Terms and Conditions

Last Updated: September 15, 2023

Welcome to DjCardPay! These Terms and Conditions govern your use of our credit card bill assistance services. Please read them carefully before using our services.

1. Acceptance of Terms

By accessing or using DjCardPay's services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.

2. Services Description

DjCardPay provides credit card bill payment assistance services, including:

• Payment of credit card bills before due dates
• Calculation of potential savings from avoiding late fees
• Educational resources about credit card management
• Credit score maintenance guidance

Our service charges a fee as disclosed during the registration process.

3. User Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have a valid Indian credit card
• Provide accurate and complete information during registration
• Be capable of entering into legally binding contracts

4. User Responsibilities

As a user of DjCardPay, you agree to:

• Provide accurate information about your credit card bills
• Ensure sufficient funds are available for our service fee
• Notify us of any changes to your credit card information
• Maintain the security of your account credentials
• Use our services only for lawful purposes

5. Fees and Payment

Our service fee structure is as follows:

• We charge X% of the bill amount as a service fee
• Fees are disclosed before confirming any transaction
• Payment must be made in advance of bill payment
• All fees are non-refundable once service is rendered

6. Limitation of Liability

DjCardPay shall not be liable for:

• Any errors or delays in credit card bill payments caused by banks or payment processors
• Incorrect information provided by users
• Technical issues beyond our reasonable control
• Changes in bank policies or fee structures
• Any indirect, incidental, or consequential damages

Our total liability for any claim related to our services shall not exceed the service fee paid for that transaction.

7. Disclaimer of Warranties

Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied. DjCardPay does not guarantee that:

• The service will meet all your requirements
• The service will be uninterrupted, timely, or error-free
• Any specific results will be obtained from using the service

8. Intellectual Property

All content on the DjCardPay website and platform, including text, graphics, logos, and software, is the property of DjCardPay and protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our explicit permission.

9. Privacy Policy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our services, you consent to our collection and use of your information as described in our Privacy Policy.

10. Termination

We may terminate or suspend your account at our sole discretion without notice for conduct that we believe violates these Terms and Conditions or is harmful to other users, us, or third parties, or for any other reason.

11. Changes to Terms

DjCardPay reserves the right to modify these Terms and Conditions at any time. We will provide notice of significant changes through our website or via email. Continued use of our services after changes constitutes acceptance of the modified terms.

12. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any disputes relating to these terms shall be subject to the exclusive jurisdiction of the courts of Pune, Maharashtra.

13. Contact Information

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