Terms & Conditions

Must Know Information – User Agreement

This Document details all the information the Users of our personal remittance service must know and agrees to before using facilities, products and services offered by Indiapay™:

1.     IndiaPay & Indiapay is a registered brand of Thinking Minds Inc., having its Office at 533 Johnson Ferry Road, Suite 350, Marietta, GA 30068 USA. (IndiaPay is hereinafter referred to as ‘U2I’ in this document agreement).

2.     U2I owns and maintains the Website and offers you access to and use of the Website and the opportunity to avail of the Facilities, products and services displayed or offered on the Website on and subject to the Terms and Conditions set out below and elsewhere in the Website (hereinafter referred to as “T&C”).

3.     Before accessing or using the Website or availing of any of the Facilities, products or services offered on the Website, you must understand the T&C, accept and agree to abide by them.

4.     Please read & understand the T&C carefully. The access and use of the Website or availing of any of the Facilities, products or services offered on the Website means that you agree to accept and abide by the T&C.

5.     In case you do not agree to accept and abide by the T&C, do not access or use this Website or any pages thereof and do not avail of any of the Facilities,
products or services offered on or through the Website.

6.     Please note that by clicking on “SUBMIT” it will be deemed that you have read and understood the T&C and that you agree to accept and abide by them.

7.     IndiaPay may in its discretion alter, add to or delete the T&C from time to time, if required, without any prior notice.

8.     It is your responsibility to ensure that periodically on every occasion that you access or use the Website or any Facility, product or service displayed or offered on the Website that you return to this page and review the T&C for any alterations, additions or deletions. Unless otherwise specified by IndiaPay all alterations, additions and deletions shall take effect automatically and be binding on and from the day they are posted on the Site. By continuing to access or use the Website or any Facilities, products or services offered on the Website, you will be deemed to have agreed to accept and be bound by such altered, added to or deleted T&C .

9.     If you do not agree to the alterations, additions or deletions, you should discontinue accessing or using the Website or availing of any Facilities, products or services on the Website (other than those which have already been availed of by you prior to such alterations, additions or deletions).

Definitions of words used in this document

The following words and phrases used in this document shall have the meanings assigned to them hereunder, unless the context otherwise requires, –

Alerts: It means our communications relating to various notifications issued or to be issued by U2I to you from time to time

Alliance Partner: it means any Person, other than U2I, who displays content or offers any of their Facilities or services on IndiaPay™ Website.

Bank: it means U2I’s banking partner who will channelize the bank to bank fund transfer as decided from time to time with respect to the Facilities provided through the Website.

Beneficiary/ Receiver: it refers to the holder of the bank account that you designate to receive the funds through remittance payment, which can be from your bank account in your visiting or resident country to your bank account in your home country or to a receiver’s bank account in the country of the receiver.

Beneficiary account: it refers to the bank account that you designate to receive the funds through remittance payment, which can be from your bank account in your visiting or resident country to your bank account in your home country or to a receiver’s bank account in the country of the receiver.

Business day: means any day that is not a Saturday, Sunday or bank or public holiday in the locality/ country where the visitor visits the website and/or the Receiver receives the payment.

Call Centre: it means the call center which may be initiated by and/ or set up by U2I to assist users with the Facilities, products and services displayed or offered on the Website.

Customer/ User: it means a Registered User who avails or seeks to avail of any Facilities, products and services displayed or offered on the Website.

Customer Account: it means one or more accounts relating to the Customer’s position in respect of one or more Facilities, products and services displayed or offered on the Website.

Customer ID: it means the name chosen by the customer as user identification and registered by the Website which, along with the Customer Password which means the password chosen by the Customer and registered by the Website, enables the Customer to avail of Facilities and enter into transactions in respect of the Facilities offered on the website, access his Customer Accounts, register a change in address, payments, payment of dues, bill payments; and do such other acts as the Website may permit.

Cut off time: it refers to the time beyond which the Facilities, products and services displayed or offered or agreed or quoted on the Website will be provided or delivered only on the best effort basis.

Facility: it means any present and future product, service or facility displayed or offered on or through the Website only by the U2I.

Payment Account: it means the bank account or credit/ debit card account that you provide us to initiate Bank for Bank to charge for payment for your use of the Facilities, products and services displayed or offered on the Website. The Payment Account must necessarily be issued or held in your name

Payment: it means the payment of funds that you request and authorize through the Facilities, products and services displayed or offered on the Website, to process and deliver funds to the receiver and/or towards the charges for the usage of the Facilities, products and services displayed or offered on the Website.

Remittance Facility: it means the service whereby you may request the delivery of a payment from your bank account in your visiting or resident country to your bank account in your home country or to a receiver’s bank account in the country of the receiver.

T-PIN: is an abbreviation for Transactional Personal Identification Number, and means a password which may be allotted by U2I to a Customer to enable him to perform such activities as U2I may permit over the telephone through the Call Centre or otherwise.

Visitor: it means any person who accesses or visits the IndiaPay™ Website, whether or not such person has registered himself as a Registered User. The term “Visitor” includes every Registered User and Customer.

The Website: it means the all Websites presently owned & maintained by U2I like www.indiapay.com , www.IndiaPay.com, etc. and includes the pages of the Website and any applets, tools, software and content included in the Website.
You / Your: it refers to the person who accepts and agrees to the terms and conditions of this Agreement includes every Registered User and Customer.

You must also note that:
Reference to a particular gender shall be deemed to include a reference to the other genders; and
Singular shall include the plural and vice versa; and
The word “includes” should be construed as if the words “without limitation” appear thereafter.

Facilities, products and services displayed or offered on the Website:

The Website primarily facilitates the display and offering of Facilities, products and services displayed or offered by U2I and/ or by the Alliance Partners on a no-liability and no-obligation basis as regards U2I.
Information and Facilities on the Website may be displayed and offered in a phased manner at the discretion of U2I and/ or any Alliance Partner.
From time to time and in its discretion, U2I or any Alliance Partner shall have the right to introduce new information and Facilities and to add, modify, suspend or withdraw any information or Facility or the terms thereof in whole or in part without any prior notice.
If any of the Terms and Conditions is not acceptable to you or you disagree with any material on the Website, your sole and exclusive remedy is to discontinue using the Website.
This Section is an Agreement in itself and is in addition to the Terms & Conditions as stated in other sections and deals with the Remittance Facility only. It is governed by separate set of laws different from the other Terms and Conditions
This section affects your rights and you must read it carefully.
By accessing and using the Facilities, products and services displayed or offered on the Website, you accept and agree to this section.

Remittance Facility

Subject to the relevant regulatory approvals, terms and conditions imposed while granting the necessary approvals and other terms of this Facility, this Facility, on it being made available, enables you to remit or send foreign currency from your bank account in your visiting or resident country to your bank account in your home country or to a receiver’s bank account in the country of the receiver after conversion into currency of the country where the funds are received.
IndiaPay™ Facility is a technology platform for a facility which enables remitting funds from your bank account in your visiting or resident country to your bank account in your home country or to a receiver’s bank account in the country of the receiver.
Fund transfer for the facility is offered by U2I’s banking partner, which is the remitting bank (Bank), in association with IndiaPay only provides the technology platform for recording remittance requests, order tracking and communication.
The Bank is responsible for acting on the remittance requests, collecting money in foreign currency, converting it into currency of the country where the funds are received and remitting it to the beneficiary as instructed by the remitter of funds i.e. you.
The foreign exchange conversion rate shown for the calculation on the Website is only indicative to help you to arrive at an approximate amount that the beneficiary will receive. It is in no way guarantees or represents, the foreign exchange conversation rate that will actually be applied to the foreign exchange sent by you (the remitter).
The Bank will be responsible for the conversion of currencies and will apply the foreign exchange conversation rates prevailing on the day of conversion, or other rates as per its discretion.

You should pay the foreign currency as per the instructions stated on the Website using your bank account. The Bank will remit of the funds into the beneficiary account only after it has received a confirmation that such foreign currency has been received in its account.
Thereafter, after deducting the appropriate charges/fees, the money will be transmitted by the Bank to the beneficiary account designated by you.
If it comes to the notice of U2I or the Bank that you had insufficient funds in the account from which you requested the remittance of money or you have provided wrong details of designated bank account, U2I / the Bank may cancel the requested remittance transaction and you the Customer shall bear full liability and responsibility for the same. In addition thereto, you will bear a nominal charge as decided by the Bank and/ or U2I from time to time.
In the event the above is learnt by U2I or the Bank after the receipt of the remittance by the beneficiary, you the Customer will be liable to reimburse the Bank of the amount remitted and any other charges and costs incurred by U2I and/or the Bank.
You agree to pay to the Bank such amount immediately upon the Bank’s or U2I’s demand along with interest @ 2% per month from the date of the remittance by the Bank till the receipt of funds by the Bank from you.
You also agree to pay for all costs associated with the recovery of amounts owed to the Bank, including reasonable attorney’s fees and court fees. U2I and the Bank shall also be entitled to inform any credit bureau or any other person or entity if you fail to pay/reimburse such amount or any part thereof to the Bank.
While it shall be the Bank’s endeavor to adhere to the time schedule indicated by it on the Website, U2I or the Bank will not be responsible or liable for any changes in the time schedule for execution of your instructions or remittance / credit of funds for any reason.
Nothing provided on the Website should be construed as advice of any nature and you are advised to consult professionals in this regard prior to taking any decision. Further, this Facility does not, in any way, solicit or encourage you to enter into any such transaction.
U2I or the Bank shall not, under any circumstances, be responsible for any loss suffered due to any fraud or other actions of the Customer. Further, this Facility is offered subject to the applicable laws of any other country, including the country from which the funds are to be remitted, and it shall be your responsibility to ensure that these laws are adhered to.
U2I accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of US or India. The mere fact that the Website can be accessed or used or any facility can be availed of from any country other than US or India, would not mean that the laws of such country would be applicable.
Use of the Remittance Facility does not establish a checking account or any other form of a bank account for you or the receiver.
THE REMITTANCE FACILITY DOES NOT CONSTITUTE OR CREATE A FIDUCIARY OR ESCROW CAPACITY BETWEEN YOU AND U2I OR IT’S ALLIANCE PARTNER . FUNDS HELD WHILE PROCESSING A REMITTANCE PAYMENT REQUEST ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) OR ANY OTHER GOVERNMENT AUTHORITY.
The Remittance Facility is not a funds transfer service, and your request for a remittance payment is not a payment order or any other request for a funds transfer.

Role of Bank and IndiaPay:

The Bank is only responsible for processing remittance payments you request and authorize through the Remittance Facility.
U2I is solely responsible for operating the Remittance Facility website and for responding to customer service questions you may have regarding the Remittance Facility.
U2I is not affiliated with, or controlled by, Bank. Bank is not responsible to you or any other person (i) for any acts or omissions of U2I, or (ii) for your use of the Remittance Facility website or any other services (including remittance services) that may be offered to you by U2I or by any of the service providers of U2I.

Remittance Purpose:

The customer must specify the purpose of remittance at all times.
The customer assures that all remittances booked through IndiaPay™ shall not be towards the purpose of External Commercial Borrowings (ECB), Advanced Remittance for professional services not rendered and/or capital infusion as defined by the Reserve Bank of India or defined by the regulatory body of country where the funds are received.
The Remittance Facilities, products and services displayed or offered on the Website will accept remittances for the following purposes only.

Your Bank account: Money sent from your bank account in your visiting or resident country to your bank account in your home country subject to the compliance norms & laws as defined by the Reserve Bank of India or defined by the regulatory body of country where the funds are received.

Family Maintenance: Money sent to your immediate family members back home for their day-to-day living expenses. Immediate family is defined as

Father.
Mother (including step-mother).
Son (including step-son).
Son’s wife.
Daughter including (step-daughter).
Father’s father.
Father’s mother.
Mother’s mother.
Mother’s father.
Son’s son.
Son’s son’s wife.
Son’s daughter.
Son’s daughter’s husband.
Daughter’s husband.
Daughter’s son.
Daughter’s son’s wife.
Daughter’s daughter.
Daughter’s daughter’s husband.
Brother (including step-brother).
Brother’s wife.
Sister (including step-sister).
Sister’s husband
Any Such person who acts as a guardian or caretaker for the immediate family.

Gift: Money sent to beneficiaries for special occasions or festive occasions or events like a marriage, birthday etc. Regular remittances to a beneficiary cannot be classified as a gift. Our tele-calling team may get in touch with you in case more details are required about the purpose / nature of gift.

Grants and donations: to governments and charitable institutions established by the governments or Contributions or sent to an educational institution that is part of a local board or university in country where the funds are received and where the beneficiary has studied only if such institutions have obtained appropriate permissions to receive foreign contributions under the applicable laws of the country.
Payment / Premium for life / non life insurance policies: Payments to insurance companies commercially operating in India can be routed through the website. Such payments must be favour the insurance company with the requisite policy references / details.

Education Fees: Payment of School Fees / Hostel Fees / Other Institute of Higher Education Fees. The educational institution should be part of a local board or university in country where the funds are received

Principal Repayment / EMIs / Interest on loans extended: Periodic / Bullet payments to financial institutions commercially operating in country where the funds are received. Such payments must be favoring the financial institution and must favour the loan account number or reference to which such payment pertains
Investment: Purchase of real estate – bullet / milestone payments for real estate purchase may be routed through IndiaPay™ subject to the compliance norms & laws as defined by the Reserve Bank of India or defined by the regulatory body of country where the funds are received. Our telecalling team may get in touch with you in case more details are required about the real estate investment.

You hereby undertake that by sending funds, you are not violating any exchange control laws stipulated by the Government of India and/or the Reserve Bank of India or laws of the Country from where the funds are being remitted or defined by the regulatory body of country where the funds are received.
In the event the person to whom the funds are remitted requires a Foreign Inward Remittance Certificate, or the funds are for any reason required to be redirected to another account / location, or any other additional service is required, the Bank shall levy additional charges and remit the amount after deducting such additional charges. U2I may recover an all inclusive fee in getting such changes made. U2I reserves the right to waive this fee at its own discretion. Any such request for a Foreign Inward Remittance Certificate or the return of funds will have to be communicated to IndiaPay™customer-care via email or phone.
U2I shall in no way be held responsible and/or be liable for any queries, errors, disputes or delays in messaging, money transmission, currency conversion, conversion rates offered, payment to the beneficiaries of the remittances or any other query, claim or dispute. U2I will, however, assist you in contacting the Bank to facilitate resolution of such queries, claims and disputes to the best of U2I’s ability.

The above terms and conditions are in addition to the additional terms and conditions relating to the IndiaPay™ Facility appearing elsewhere on this Website or otherwise now or hereafter agreed or deemed to be agreed by you.

U2I shall be entitled to have more than one promotional offer in existence and applicable at any given time. However a customer shall be entitled to avail of only one offer per transaction. It shall be entirely at the discretion of U2I to consider any exceptions to the above
Registration Information:

You must be at least eighteen (18) years of age, and a resident of the United States in order to use the Remittance Facility
You will be required to provide certain registration information when signing up for the Remittance Facility or when requesting a remittance payment. If you do not to provide accurate and complete information during registration, you may be prohibited from using the Remittance Facility or you may cause errors in your requested remittance payment.

You authorize Bank to request a credit report on you and to obtain information from other third parties and financial institutions regarding you, the beneficiary, or the Payment Account.

The home address that you provide when registering must be the same as the billing address for your credit card or debit card. Bank may seek to verify your registration information but is under no obligation to undertake verification.

Authority to Charge Payment Account:

By requesting a remittance payment through the Remittance Facility, you authorize Bank to charge your Payment Account for the amount of the requested remittance payment and any service fees. You understand and acknowledge that Bank has no obligation to process or complete a requested remittance payment if Bank is unable for any reason to obtain authorization or settlement of the funds from charging your Payment Account for the amount of the requested remittance payment.
You further acknowledge that the acceptance and processing of a remittance payment request by Bank are subject to the terms and conditions stated in this Agreement.
In the event that the charge to your Payment Account is subsequently returned, charged-back or canceled for any reason, and Bank has already processed your remittance payment request, you will be responsible to Bank for the amount of the remittance payment.
You agree to pay such amount, plus any applicable service fee or non-sufficient funds (NSF) fee applicable to the return, to Bank immediately upon demand.

Reliance by Bank:
When processing a remittance payment, Bank may rely on the registration information and remittance payment request information that you provide to U2I. Any errors in the information, including misidentification of beneficiary(s), incorrect or inconsistent account names and numbers, or misspellings, are your responsibility.

Execution of a Remittance Payment Request:
If your remittance payment request is received by Bank on a day that is not a business day or on a business day after an established cut-off time for processing, your remittance payment request will not be processed until the next business day. The applicable cut-off time may vary from time to time, and will be disclosed to you on the website for the Remittance Facility.

Payment of Funds to Receiver:
Bank and/or U2I-designated service providers will arrange for the delivery of the remittance payment to the beneficiary in the country of the beneficiary.
Payment will be made by means of check, by credit to a bank account. IndiaPay reserves the right to change payment method options. Bank also reserves the right to select form of payment to beneficiary.

Bank and/or U2I-designated service providers will use reasonable efforts to provide payment in form requested, but the Remittance Facility is not obligated to provide all these payment options for a specific remittance payment.
If a beneficiary cannot be located and identified, the remittance payment funds may be returned to you either by a credit to your Payment Account or by check payment, at Bank’s option after deduction of Bank’s applicable charges.
Bank reserves the right to establish identification and verification requirements for a beneficiary to receive the funds from a remittance payment.
Bank may rely, without further investigation, upon identification information or documentation provided by you or a beneficiary, including any code or identifier number of the remittance payment, when making a payment of funds to the beneficiary.
U2I/Bank shall not be liable for any error in the proper identification of the receiver. You shall be liable for the money remittance to unintended recipient with a seemingly valid identification of the intended receiver

Currency of Remittance Payment:
Remittance payments to beneficiaries are generally made in the currency of the country within which the beneficiary is located. If permitted by applicable law and the Remittance Facility, a remittance payment may be requested in U.S. Dollars.
If conversion is required, Bank and/or U2I-designated service providers will convert a U.S. dollar remittance payment to the local currency at the exchange rate for a transfer in that amount in effect at that time. Regardless of the currency transferred, the actual amount that the beneficiary receives may be reduced by charges imposed by Bank, U2I or other intermediary banks, including a service fee for currency conversion.

Permissible Remittance Payments:
You agree that you will only request a remittance payment that complies with this Agreement, applicable United States federal and state law, and applicable law in the country of the beneficiary.
You may use the Remittance Facility to send remittance payments on your own behalf.
You may not resell the Remittance Facility account access or use the Remittance Facility to make remittance payments on behalf of, or as agent for, another person.
You agree that you will not request a remittance payment that would result in a violation of the laws or regulations of the United States, including without limitation, the economic sanctions administered by the U.S. Treasury Office of Foreign Asset Control and the U.S. anti-money laundering laws.
You agree that you will provide information that Bank may request from time to time regarding your identity or the identity of the beneficiary in order for Bank to comply with any applicable laws, including anti-money laundering laws. Bank may provide information regarding you, the beneficiary and your use of the Remittance Facility to government authorities.

Rejection of Remittance Payment Request:
Bank may reject your request for a remittance payment, or impose a dollar limitation on your remittance payment, without cause or prior notice to you.
Without limiting the foregoing, Bank may suspend, delay or reject your remittance payment request:
a)     if the dollar value of one or more of your remittance payment requests exceed any transfer limits established for the Remittance Facility;
b)     if Bank is unable to charge your Payment Account for the amount of the requested remittance payment and related fees;
c)     if your request is incomplete or unclear;
d)     if Bank is unable to confirm your identity or verify any registration or beneficiary information; or
e)     if Bank and/or U2I-designated service providers are unable to fulfill your request for any reason.
You understand and agree that if your request for a remittance payment is rejected for any reason, you will be informed of the rejection during your next online session, by electronic mail, or by any other reasonable means of notice including appropriate message below the status column on the payment tracker displayed on the website.

Service Fees and Charges:
You authorize U2I/ Bank to charge your Payment Account for any applicable service fees and charges for your use of the remittance service in accordance with the Remittance Facility fee schedule in effect at the time you make a remittance payment request.
You acknowledge and agree that Bank and/or U2I-designated service providers involved in processing a remittance payment may charge a currency conversion fee for converting the U.S. dollar payment to the local currency.
The fee for this currency conversion may vary. You may obtain more information on the applicable currency conversion fee on the Remittance Facility website.

Delays or Non-Execution of Remittance Payment Request:
You agree that U2I / Bank shall not be responsible for any delay, failure to execute, or mis-execution of your remittance payment request due to circumstances beyond U2I / Bank’s reasonable control, whether caused by strikes, power failures, equipment malfunctions, acts or omissions of any intermediary bank, war, riots, governmental or court orders, work stoppages or similar occurrences or circumstances.
You further agree that that U2I / Bank may refuse to process or delay processing any request if it would violate any guideline, rule, policy or regulation of any government authority or funds transfer system.
THE REMITTANCE FACILITY IS PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS. NEITHER BANK NOR U2I MAKES ANY WARRANTIES, EXPRESS OR IMPLIED WITH RESPECT TO THE REMITTANCE FACILITY.

Refund:
If you request the cancellation and refund of a previously requested remittance payment, U2I / Bank are under no obligation to process or honor such a request.
Further, if U2I/ Bank are not able to process the remittance due to incorrect account number or insufficient details, U2I/Bank would return the funds to the remitter, within 60 days from the date of remittance, after exhausting all the possible ways of initiating the remittance to the intended beneficiary.
In either of the events, where U2I / Bank does refund a previously requested remittance payment, the amount of funds that is returned to you may be less than you originally paid for the remittance payment because of service charges and difference in exchange rates.
Your returned funds will be in the same currency in which the transaction was initiated by converting the payout currency to your home currency at a conversion rate prevailing on the date of such return.
U2I / Bank shall not be liable to you for any loss resulting from U2I / Bank’s inability to cancel or refund a remittance payment.
If U2I / Bank determine to refund remittance payment funds to you, these funds may be returned to you either by a credit to your Payment Account or by check payment, at U2I / Bank’s option.

Limitation of Liability:
Bank will use commercially reasonable efforts to complete the remittance payment to the beneficiary pursuant to your instructions.
If remittance payment is delayed or erroneously executed as a result of U2I / Bank’s error or negligence, U2I / Bank’s sole obligation to you is to correct the error or to refund the amount of the requested remittance payment and applicable Bank fees and charges.
IN NO EVENT SHALL BANK OR U2I BE RESPONSIBLE FOR ANY PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH A REMITTANCE PAYMENT OR THE REMITTANCE FACILITY.
In any event, an action or proceeding by you to enforce any obligation, duty or right arising under the Agreement must be commenced within ninety (90) days from the date of your tranaction.
In no event shall U2I / Bank’s liability ever exceed the amount of the remittance payment.
The foregoing shall constitute U2I / Bank’s entire liability and your exclusive remedy.

Indemnity:
In consideration of the agreement by Bank to provide you with the Remittance Facility, you agree to indemnify and hold U2I / Bank harmless from and against any and all claims, suits, judgments, executions, liabilities, losses, damages, costs, and expenses – including reasonable attorney’s fees – in connection with or arising out of
(i)   your use of the Remittance Facility,
(ii)  your breach of this Agreement, or
(iii) Bank acting upon your request for a remittance payment pursuant to this Agreement.
You agree to defend, indemnify and hold U2I, its directors, officers, employees, Affiliates Partners, and Content and Service Providers harmless from any and all claims, liabilities, damages, costs, expenses and proceedings, including reasonable attorneys’ fees, arising in any way from your use of the Website or the placement or transmission of any message, information, software or other materials through the Website by you or users of your ID and password or related to any violation of the Terms and Conditions by you or users of your of your ID and password, and any claims dispute or differences between you and any Supplier

Arbitration of Disputes:
You understand and agree that U2I / Bank may require any dispute arising from your use of the Remittance Facility be resolved by binding arbitration. Bank may designate an arbitrator or arbitration panel located in Atlanta, state of Georgia. Decisions of any arbitration process shall be binding on you.

Amendments:
You agree that Bank and/or U2I reserve the right to change (amend, add to, or delete) the terms and conditions of this Agreement. Unless otherwise required by law, U2I or Bank may amend this Agreement without prior notice to you.

Electronic Communications:
In order to use the Remittance Facility, you consent to receive and accept this Agreement, any amendment to this Agreement, and all notices relating to the Remittance Facility by means of electronic (email and website posting) communications.
In the event any change to this Agreement requires prior notice to you, Bank or U2I will notify you by email, at the email address that you provided with registering for the Remittance Facility, of the amended Agreement or will provide you with a link in such email to where you may view the revised or amended Agreement.
A record of each remittance payment will be made available to you by Bank or by U2I electronically at the Remittance Facility website or by email.
You acknowledge and agree that in order to use the Remittance Facility you must have a monitor and computer equipped with at least: an Internet browser with 128 bit encryption and either a printer or a disk drive or other electronic storage device.
You agree that if you remove your consent to receive electronic communications, Bank will terminate your use of the Remittance Facility. You further acknowledge and agree that all email notices sent to you regarding the status of remittance payment request are only service messages, and will not be considered an official record of Bank or U2I with respect the remittance payment requested through the Remittance Facility.
In the event of a conflict, the official records of the Bank will control over any service messages.

Governing Law:
This Agreement (Section) shall be governed by federal law of the United States of America and, where not in conflict with or preempted by such federal law, the laws of the state of Georgia, as applicable, without regard to conflict of law principles.

Use of Information; Privacy Policy:
Bank may use and disclose to third parties (including to U2I and/or U2I-designated service providers) your registration information and remittance payment information in order to process a requested remittance payment, to validate your registration information, to resolve a dispute, to enforce Bank’s rights and for any other purposes permitted by law.

Agreement to Terms and Conditions:
By clicking “I Agree”, you acknowledge that you have read, understood, accept and agree to the terms and conditions of this Agreement. You also confirm that you are able to print or download a copy of this Agreement. (Section)

REGISTRATION INFORMATION (IDS AND PASSWORDS) AND SECRECY:
Only limited access to the Website is available to non-registered Visitors. Non-registered Visitors may not be permitted to avail of the Facilities. In order to obtain increased access to the Website and in order to avail of the Facilities you are required to register on the Website as a Registered User.
You agree:-

to provide true, accurate, current and complete information about yourself as prompted by the registration form on the Website, and
to maintain and update this information from time to time and to keep it true, accurate, current and complete at all times.
You shall indemnify U2I for any losses caused to U2I due to any information provided by you to U2I being untrue, inaccurate, not current or incomplete in any respect, and U2I shall not be responsible for any losses sustained by you due to any information provided by you to U2I being untrue, inaccurate, not current or incomplete in any respect.

If any information provided by you is untrue, inaccurate, not current or incomplete, U2I has the right to terminate your registration and refuse you access to or use of the Website or any Facilities.

Subject to the other Terms and Conditions, upon registration as a Registered User the Website will register your Registered User ID and Registered User Password; and upon registration as a Customer the Website will register your Customer ID and Customer Password.
You will be solely and absolutely responsible for maintaining the secrecy and confidentiality of all your IDs and passwords (which term includes T-PINs) and you will be fully and absolutely responsible and liable for all transactions and activities that occur under your ID and password including any unauthorized use or misuse of your ID and/or password.

You will be responsible and liable if any third party gains access to the Website or any Facility through the use of your ID or password, and you hereby agree to indemnify U2I and hold U2I harmless against any liability, costs, damages, claims, suits and proceedings based upon or relating to such unauthorized access and use.
Without prejudice to the aforesaid, you agree to:

immediately notify U2I via e-mail and Registered Post AD, or through the Call Centre, of any suspected loss, theft, unauthorized usage of the ID or password, any other breach of security, or any receipt by you of confirmation of a transaction, fund or securities transfer or other activity which you did not authorize; or any inaccurate information in your account balances, securities positions or transaction history and
ensure that you logout from your account at the end of each session.

Any transaction or activity pursuant to use of your ID or Password shall be deemed to be your transaction or activity and U2I shall have no obligation to verify the authenticity of any such transaction or activity.
U2I shall not be responsible for any mistake or error made by you in keying in the transaction or activity as to the nature of the transaction / activity, with respect to any facts or figures or otherwise.
If you forget your ID, you can send a written request to U2I at the address provided on the Website giving your date of birth and transaction details satisfactory to U2I. On U2I being satisfied of your identity (which satisfaction shall be entirely at the discretion of U2I), U2I shall send the ID to your e-mail address registered with U2I.
You shall be responsible for continuing to maintain this e-mail address. U2I shall not be liable if it declines to furnish the ID by reason of it not being satisfied as to your identity.

If you forget your password, you can send an e-mail (or such other message as U2I may specify) to U2I at the address provided on the Website giving your ID and date of birth and such other information, if any, as U2I may require. On U2I being satisfied of your identity (which satisfaction shall be entirely at the discretion of U2I), U2I shall send the password to your e-mail address registered with U2I. You shall be responsible for continuing to maintain this e-mail address. U2I shall not be liable if it declines to furnish the password by reason of it not being satisfied as to your identity.
If you forget your password, U2I may, subject to verification and satisfaction as stated above, instead of sending you your password, generate a new password for you which shall be communicated to you at the e-mail address provided by you. For your security reasons you must change this password as soon as it is received by you, and until then this password shall be deemed to be your password and you will be responsible and liable for all transactions pursuant thereto.
Upon generation of the new password, U2I shall discontinue the use of the old password. However, you shall be responsible and liable for all transactions that are carried out by the use of the old Password, till the time of discontinuation of the old ID or password.
Notwithstanding anything stated elsewhere in the Terms and Conditions, and despite correct use of your ID and password, U2I shall be entitled in its sole discretion (but shall not be bound) to seek offline and/or additional written or other confirmation from you of any instruction, transaction or activity as U2I may deem fit.
In the event that the certifying authorities and other infrastructure contemplated under the Information Technology Act, 2000 or any other law for the time being in force, for ensuring secure electronic records and secure digital signatures is notified by the concerned authorities and the infrastructure to enable the same is in place, U2I shall have the right to require you to communicate instructions and authorize and execute transactions and other activities by means of such secure electronic records and secure digital signatures in addition to, or in place of, the use of password(s).

CONDUCT OF VISTORS, REGISTERED USERS AND CUSTOMERS:
You shall not:

restrict or inhibit any other person from accessing, using and enjoying the Website or the Facilities;
use the Website for any purpose that is unlawful under the applicable jurisdiction or not permitted by the Terms and Conditions;
modify, copy, distribute, reproduce, transmit, display, perform, publish, upload, post, license, create derivative works from, transfer or sell any information, designs, logos, trademarks, software, Facilities, products or services obtained on or through the Website, except as permitted by the copyright owner or other right holder thereof; the Website being copyrighted under the relevant laws;

post or transmit any unlawful, fraudulent, libelous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable information or statement of any kind including, without limitation, any information or statement constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability, or otherwise violate any local, state, national, foreign or other law;
post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial communication (except as otherwise expressly permitted by U2I) or engage in spamming or flooding;
post or transmit any information or software which contains a virus, trojan horse, worm, malware or any other component or script that may be harmful to the Websites, U2I and/ or any of the Alliance Partners. ;

post, publish, transmit, reproduce, distribute or in any way exploit any information, software or other material obtained from or through the Website for commercial purposes (other than as expressly permitted by the provider of such information, software or other material);
attempt to decompile or reverse engineer any of the software, script, codes or other information available on or through the Website.
You will not make any attempt to hack into the Website or otherwise attempt to subvert any firewall or other security measure of the Website and if you become aware of any shortcoming in the security on the Website you shall forthwith inform U2I of the same in writing.
If the Website contains bulletin boards, chat rooms, access to mailing lists or other message or communication facilities (collectively, “Forums”), you agree to use the Forums only to send and receive messages and material that are proper and related to the particular Forum.
You shall use any software provided on, by or through the Website only for the purposes for which it has been provided to you and for no other purpose.
It is hereby clearly specified that this Agreement is between IndiaPay™ and Remitter and the beneficiary shall not have any right whatsoever against IndiaPay™.
IndiaPay™ will communicate with the Remitter and shall not be liable to revert to any query of the beneficiary. The Remitter hereby agrees to keep IndiaPay™ indemnified and harmless against any action of the beneficiary against IndiaPay™.

OTHER TERMS:
The user agrees that U2I might, at times, contact him/ her either through phone, email or other means of communication with the intention of explaining benefits of, or working of, or promotions currently running on the various products and services provided by U2I.

U2I shall not be under any duty to assess any instruction or transaction given or entered into by you on and/or through the Website for any prudence or propriety or otherwise.

U2I shall be entitled, in its sole and absolute discretion, to refuse to comply with all or any of your instructions without assigning any reason.
You cannot cancel any instructions once provided, save and except as specifically detailed on the Website. Additionally, when you place a request to cancel an instruction or a transaction that has been authorized by you, such cancellation is not guaranteed by U2I. Such instruction or transaction will only be cancelled if your request for cancellation is received and acted upon before the instruction or transaction has been executed.

U2I and the Alliance Partners shall have the right to verify any information provided by you and in cases where you need to specifically authorize U2I and its alliance partners to verify any information, you hereby authorize U2I and the Alliance Partners to verify any such information provided by you.

U2I shall endeavor to take reasonable measures, which may include encryption, to ensure that your personal information is not disclosed to any person except to U2I, Alliance Partners, Service Providers, and/or other persons to whom the information may be provided as per U2I’s Privacy Policy and other persons specified by you. However, the Internet is an open system and U2I cannot, and does not, guarantee that the personal information which you furnish will not be intercepted and/or decrypted and/or accessed by others.

U2I, the Alliance Partners and Service Providers shall not be liable or responsible should any confidential or other information provided by or pertaining to you (included
credit card numbers, bank account numbers, passwords, personal identification numbers, IDs, transaction details, etc.) be intercepted and/or subsequently used by such third parties..

REWARD POINTS:
Any scheme for awarding or securing reward points or other rewards or prizes (by whatever name called) is available only to Persons who are eligible for the same under the rules of the concerned scheme and the applicable laws of US, India and the country of the beneficiary. You are therefore required to verify that you are eligible before participating in any such scheme.

U2I is not responsible or liable for the performance, quality or any other aspect of any rewards, prizes or items manufactured or supplied by third parties against any redemption of the points or otherwise pursuant to such scheme, and your recourse for the same will be only against the persons who have manufactured or supplied the same.

Eligibility of Rewards points, awarded as per IndiaPay™ Policy, is exclusive. This cannot be clubbed with any existing offer, unless otherwise specified explicitly.
U2I will ask credit reference agency to perform your identification check. This will involve asking you certain questions and checking your answers against your credit file.
You agree that we may use Personal information provided by you in order to conduct appropriate anti fraud checks. Personal Information that you provide may be disclosed to a credit reference or fraud prevention agency, which may keep a record of that information.

DISCLAIMERS:
U2I OPERATES AND OFFERS THE WEBSITE STRICTLY ON A NO-LIABILITY BASIS AND UNDER NO CIRCUMSTANCES SHALL U2I BE LIABLE FOR ANY DAMAGES WHATSOEVER WHETHER SUCH DAMAGES ARE DIRECT, INDIRECT, INCIDENTAL CONSEQUENTIAL AND IRRESPECTIVE OF WHETHER ANY CLAIM IS BASED ON LOSS OF REVENUE, INVESTMENT, PRODUCTION, GOODWILL, PROFIT, INTERRUPTION OF BUSINESS OR ANY OTHER LOSS OF ANY CHARACTER OR NATURE WHATSOEVER AND WHETHER SUSTAINED BY YOU OR ANY OTHER PERSON.
Access and use of the Website and the Facilities is entirely at your own risk.
The Website, including any content or information on it, any related or linked site and all Facilities, products and services displayed, provided, availed of, licensed or purchased on, through or via the Website are provided “as is,” without any representation or warranty of any kind, either express or implied, including without limitation, any representation or warranty for accuracy, continuity, uninterrupted access, timeliness, sequence, quality, performance, fitness for any particular purpose or completeness. Specifically, U2I disclaims any and all warranties including, but not limited to:
any warranties concerning the availability, accuracy, usefulness, or correctness, currency or completeness of information, Facilities, products or services and
any warranties of title, warranty of non-infringement, freedom from computer virus, warranties of merchantability or fitness for a particular purpose, other than those warranties which are incapable of exclusion, restriction or modification under the laws applicable to the Terms and Conditions.
U2I has not verified and shall not be liable or responsible for any content or other information on the Website or on web-sites linked to or with U2I.
U2I does not, in any way, certify or warrant the performance, operation, content or availability of the Website or such other websites.
Although U2I adopts security measures which it considers appropriate for the Website, it does not assure or guarantee that no person will overcome or subvert the security measures and gain unauthorized access to the Website or any Customer Accounts. U2I shall not be responsible or liable
if any unauthorized person hacks into or gains access to the Website, any Facility or your accounts; and you shall be liable and responsible for the same.
This disclaimer of liability applies also to any damage or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortuous behavior, negligence, or under any other cause of action.
The information and views contained herein are based on information available and believed to be correct to the best of our knowledge. Although due care has been exercised to verify the accuracy of the information, neither U2I nor its information suppliers assume responsibility for the accuracy or for any loss arising out of any information contained herein. This is neither a solicitation to invest in any product nor to avail of a particular service.
U2I does not warrant or make any representations regarding the use or the results of the use of any product, service and /or Facility in terms of its compatibility, correctness, accuracy, reliability or otherwise.
You assume total responsibility and risk for your access and use of the Website, all site-related services and all Facilities, products and services mentioned or advertised on or accessed or availed on or through the Website.

You acknowledge that any warranty that is provided in connection with any of the Facilities, products or services described on the Website are provided solely by the owner, advertiser, manufacturer, provider or supplier of that Facility, product or service, and not by U2I or the Website (except where U2I is expressly stated to be owner, advertiser, manufacturer, provider and supplier thereof).

U2I shall not be liable to you or any other third party for any direct, indirect, incidental, special, exemplary, punitive, consequential or other damages (including without limitation loss of profits, loss or corruption of data, loss of goodwill, work stoppage, computer failure or malfunction, or interruption of business) under any contract, negligence, strict liability or other law or theory arising out of or in connection with the Website, or any Facilities, products or services mentioned or advertised on or accessed or availed on or through the Website or any contract or transaction entered into or executed in pursuance thereof (however arising, including negligence) or resulting from the use of or inability to use, access or avail of the Website, any Facility, service or product or out of any breach of any warranty.
If any disclaimers or limitation of liability in the Terms and Conditions are held to be unenforceable, the maximum liability of U2I (or the concerned Affiliate Partner or Service Provider, as the case may be) to you shall not exceed the amount of fees paid by you for the Facilities, products or services that you have ordered or availed of on or through the Website.

Delays in the Transactions and Non-Liability for Damages: While U2I shall endeavor that your instructions and your transactions pursuant to Facilities provided by U2I are communicated, carried out and/or performed promptly, U2I does not guarantee that any instructions will definitely be communicated or carried out or that any transactions will definitely be performed; and U2I shall not be responsible for any delay in communicating, carrying out or performance of any instructions or transactions due to any reason whatsoever, including by reason of failure of operational systems for reasons including but not limited to virus attacks, natural calamity, floods, fire and other natural disasters, legal restraints, faults in the telecommunication network or network failure, software or hardware error, labour problem, strike or any other reason beyond the control of U2I.

U2I shall not be responsible for your inability to access the Website or any use or misuse of the Website.
Any search results displayed by or on the Website are automated and cannot be screened. Accordingly, U2I assumes no responsibility for the accuracy or otherwise of any search results or of the content of any site included in the search results or otherwise linked to the Website.
U2I shall not be responsible for any unauthorized interception of e-mail to or from you or U2I. or any other Alliance Partner or Service Provider
To the extent possible, the disclaimers, limitations on liability and indemnities available to U2I under the Terms and Conditions shall mutatis mutandis extend and be available also to the Alliance Partners and Service Providers and its / their respective directors, officers, employees, agents, successors, assigns, consultants, sponsors, affiliates, content providers and everyone involved in creating, producing, delivering or managing the Website (or any part thereof) or any Facility. However this clause shall not protect the aforesaid Persons or extend to their obligations and liability to U2I or U2I’s claims against them.
A possibility exists that the Website could include inaccuracies or errors. Additionally, a possibility exists that unauthorized additions, deletions or alterations could be made by third parties to the Website. Although U2I and its Service Providers attempt to ensure the integrity of the Website, they make no guarantee whatsoever as to its sequence, timeliness, completeness, correctness or accuracy. In the event that such an inaccuracy or incompleteness arises, please inform U2I so that it can be corrected.

Links from the Web Site: Clicking on certain portions or links within the Web Site might take you to other websites without any intimation or indication of doing or having done so.
The linked Websites may not be under the control of U2I and U2I assumes no responsibility whatsoever for such other websites whether as to content, availability, performance or otherwise.

U2I also does not represent or warrant that these links shall operate satisfactorily. U2I provides these links only as a convenience and links to external web sites do not constitute an endorsement by U2I of such other sites, the sponsors of such sites or the content, products, advertising or other materials presented on or by such sites.
U2I shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the access or use of such other websites or reliance on or availing of any content, goods or services available on or through such other sites.
The links on the Website may take you to other sites or to other locations within the Website where other facilities are provided. U2I shall not be responsible or liable with regard to any such facilities available on such linked sites, non-U2I web sites, and any other web site which may be linked to or from the U2I site.

PROPRIETARY AND INTELLECTUAL PROPERTY RIGHTS:

U2I is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing on the Website (except those which are marked otherwise)., and is the copyright owner or licensee of the content and/or information on the Website including but not limited to any text, images, illustrations, audio clips, video clips and screens appearing on the Website (except those which are marked otherwise).
All rights on the Website are reserved and you may not download and/or save a copy of the Website or any part thereof including any of the screens or part thereof and/or reproduce, store it in a retrieval system or transmit it in any form or by any means – electronic, electrostatic, magnetic tape, mechanical printing, photocopying, recording or otherwise including the right of translation in any language without the express permission of U2I (except as otherwise provided on the Website or in the Terms and Conditions for any purpose) or use it in any manner that is likely to cause confusion or deception among persons or in any manner disparages or discredits U2I or Alliance Partners or Service Providers,.
However, you may print a copy of the information on this Site for your personal use or records. This Site is for your personal use. If you make other use of this Site, except as otherwise provided above, you may violate copyright and other laws of India and other countries, and may be subject to penalties.
U2I, the Alliance Partners and/or the Service Providers do not grant any license or other authorization or user of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property by placing them on the Website.

TERMINATION:

Termination by U2I/Website:

You acknowledge and agree that U2I may, without notice, suspend or terminate your ID, password or account or deny you access to all or part of the Website or any Facilities without prior notice if you engage in any conduct or activities that U2I in its sole discretion believes violate any of the Terms and Conditions, violate the rights of U2I, or is otherwise inappropriate for continued access, or learns of your death, bankruptcy or lack of legal capacity or of circumstances which impact your credit worthiness (which shall be determined at the sole discretion of U2I) or for any other reason which U2I/ Bank thinks fit and proper.
You acknowledge and agree that U2I may in its sole discretion deny you access through U2I to any materials stored on the Internet, or to access third party services, Facilities, merchandise or information on the Internet through the Website, and U2I shall have no responsibility to notify you or third-party providers of Facilities, services, merchandise or information nor any responsibility for any consequences resulting from lack of notification.

Termination by You:
You may request for termination of this Facility at any time by giving a written notice of at least 15 days to U2I. The termination shall take effect on the completion of the fifteenth day from the date of receipt of the notice by U2I, Provided however that you will remain responsible for any transactions entered into by you and all obligations incurred by you until the time of such termination.

GOVERNING LAW & JURISDICTION:

The Website, the Terms and Conditions, all transactions entered into on or through the Website and the relationship between you and U2I shall be governed by and construed in accordance with the laws of US and India and no other nation, without regard to the laws relating to conflicts of law.
Transactions shall be subject to all applicable laws including notifications, rules, bye-laws, regulations, procedures and guidelines issued by the Government and other relevant regulatory authorities

You and U2I agree that all claims, differences and disputes arising under or in connection with or pursuant to the Website, the Terms and Conditions, any transactions entered into on or through the Website or the relationship between you and U2I shall be subject to the exclusive jurisdiction of the competent courts located in the city of Atlanta, State of Georgia and you hereby accede to and accept the jurisdiction of such courts. Provided that, notwithstanding what is stated above, if U2I so thinks fit U2I may institute proceedings against you in any other court or tribunal having jurisdiction.

U2I accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of US/ India. The mere fact that the Website can be accessed or used or any facility can be availed of in a country other than US/India would not mean that the laws of such country would be applicable.
Subject to the other Terms and Conditions and applicable law, the Website and the Facilities are offered to one & all. Provided however, that the Facilities are not available to any foreign residents in foreign jurisdictions where the Website or Facilities cannot be offered without prior legal or regulatory compliance.
It shall be the sole responsibility of foreign residents in foreign jurisdictions to verify whether the Website and the Facilities can be accessed and utilized in their respective jurisdictions.

The Facilities do not constitute an offer or a solicitation of an offer to sell, buy, provide or procure any shares, securities or other instruments, products or services to or from any person in any jurisdiction where it is unlawful to make such an offer or solicitation.
The Website and/or Facilities or services which are part of the Facility are not intended to be in any form of an investment advertisement, investment guidance or investment information and has not been registered under any securities law of any jurisdiction, Indian or foreign, and is only for the information of any person in any jurisdiction where it may be lawful to offer such a service. Further, no information on the Website is to be construed as a representation with respect to shares, securities or other investments, regarding the legality of an investment therein under the respective applicable investment or similar laws or the laws or regulations of any person or entity accessing this Website.

NO WAIVER:
The failure or delay of U2I to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision. No waiver on the part of U2I shall be valid unless it is in writing signed by or on behalf of U2I. A waiver of any right or provision by U2I on a particular occasion shall not prevent U2I from enforcing such right or provision on a subsequent occasion.

SEVERABILITY:
If any provision of the Terms and Conditions shall be held to be invalid or unenforceable by reason of any law or any rule, order, judgment, decree, award or decision of any court, tribunal or regulatory or self-regulatory agency or body, such invalidity or unenforceability shall attach only to such provision or condition, and you, U2I, the court, tribunal or regulatory or self-regulatory agency or body should endeavor to give effect to the parties’ intentions as reflected in the provision to the extent possible,.
The validity of the remaining provisions and conditions shall not be affected thereby and these Terms shall be carried out as if any such invalid or unenforceable provision or condition was not contained herein.

LIMITATION:
Notwithstanding any statute or law to the contrary, but to the extent permitted by law, any claim or cause of action arising out of or related to access or use of the Website or any Facility or the Terms and Conditions must be filed within three (3) months after such claim or cause of action arose failing which it shall be forever barred.

NOTICES:

U2I may give notice to you by e-mail, letter, telephone or any other means as U2I may deem fit to the address last given by you.
Notices under the Terms and Conditions may be given to U2I by you in writing by delivering them by hand or by sending them by post to U2I’s address mentioned on the Website.

U2I may, but shall not be bound to, act upon notices and instructions given by you to U2I by e-mail, letter, telephone or any other means as U2I may deem fit.
U2I shall not be responsible if the electronic communication is ‘bounced back’. You agree that in such condition it shall still be considered a valid notice.
In addition, U2I may (but shall not be bound to) also publish notices of general nature, which are applicable to all Visitors, Registered Users or Customers in a newspaper circulating in respective countries or on its Website. Such notices will have the same effect as a notice served individually to each Visitor, Registered User or Customer (including you).

Documents which may be sent by electronic communication between the parties may be in the form of an electronic mail, an electronic mail attachment, or in the form of an available download from the Website U2I shall be deemed to have duly communicated and delivered any communication or document to you.
If such communication or document is sent via electronic mail (e-mail) to the e-mail address provided by you to U2I. U2I shall also be entitled to act on the basis of any instructions received or purported to be received by U2I from you by e-mail or other electronic means or via the internet. U2I shall also be entitled (but not bound) to act upon fax instructions and communications

MISCELLANEOUS:

The clause headings in the Terms and Conditions are only for convenience and do not affect the meaning of any provision and shall not be taken into account in interpreting or limiting the scope of the provisions of the Terms and the Conditions.
U2I may sub-contract or employ agents to carry out any functions or services relating to the Website or any of its obligations under the Terms and Conditions.
U2I may from time to time send by e-mail or otherwise, information relating to products and services offered by it or the Alliance Partners or any other entities, the Facilities, general information related to financial and other services, advertisements of various products and services etc. to you.
You must at your own cost: (a) provide for your own access to the World Wide Web and pay any service fees, telephone charges and online service usage associated with such access, and (b) provide all equipment necessary for you to make such connection to the World Wide Web, including a computer and modem.
The content presented at the Website may vary depending upon your browser limitations.

NRE Transfers to India:
NRE Transfers will be allowed only if:

It is to your own personal and valid NRE Account in India.
Your KYC (Know Your Customer) details have been verified & approved by U2I.
Remitter name as registered with IndiaPay™ & the name of the beneficiary holding the NRE account exactly match.
NRE Account details in India are correctly entered on IndiaPay™.
Delivery mode will be “Account Credit”.
The conditions stated in these Terms and Conditions are in addition to the other terms and conditions stated elsewhere in the Website. In particular, and without prejudice to the above, these Terms and Conditions are in addition to the terms, conditions, procedures and agreements applicable in respect of each Facility which are stated at the appropriate places in respect of each Facility or in the agreements to be entered into between U2I and you / the concerned parties in respect of each Facility.
BY ACCESSING AND / OR USING THIS WEBSITE OR PORTION / PAGE THEREOF AND / OR ANY FACILITIES YOU AGREE TO THE TERMS AND CONDITIONS.