the name of “Chetana Chitshaveripvt ltd” (www.chetanachits.com) connected to or mentioned on this site and the Services provided under this website. The Website contains a subscription functionality which enables users to subscribe to the services offered. The site provides Services.

These Customer Terms apply to Your access to, and use of, the website and/or its Application (whether through a computer, mobile or any electronic device), the Services, other services and all information, recommendations and other products and services provided to You on or through the Website.

1. Registration and Usage

In order to use the Services, the Subscription Services and the Website, You must:

1. Stay competent to enter into a contract under Applicable Laws, and You must provide accurate, complete, current, valid and true Data for registration
2. Use the Application solely in accordance with these terms and all Applicable Laws
3. Use the Application, Subscription Services and Services for Your sole, personal use, and not transfer, sell, sub-license or assign it to a third party;
4. Make available such information and documents which the Company may reasonably request from time to time, and promptly notify the Company of any change to any of Your Registration Data or other information provided to the Company; and
5. Use an authorised telephonic or internet network to access and use the Website. When using the Website, the Subscription Services and standard messaging charges, data charges and/or voice charges (as applicable) may be imposed by Your Device provider and the same are Your responsibility.
6. You are solely responsible for maintaining the confidentiality of Your Registration Data and Application login credentials, and will be liable for all activities and transactions.
7. You must also notify the Company immediately if You cannot access Your Account, You know of or suspect any unauthorised access or use of Your Registration Data, login details or Account, or the security of Your Account has been compromised in any manner.
8. The Company and/or any of its Third-Party Service Providers may suspend access and Service subscriptions entered into if:
   1. the Registration Data or any other information provided by You is false, or You cease to satisfy the Eligibility Requirements;
   2. the security of Your Account has been compromised in any way; or
   3. You have not complied with any of the requirements in this clause.
9. The Company and/or any of its Third-Party Service Providers may block, suspend, alter or update the Website, the Subscription Services and/or the Services at any time (including without notice):
10. As per Applicable Law; orto protect a legitimate business interest.However, You may terminate these Customer Terms in accordance with Clause 14 at any time.

2. Fees and Payment

1. In consideration of the services rendered by Chetana Chits haveripvt ltdto the User, the User shall pay to Chetana Chits haveripvt ltda fee that is agreed upon in the fee schedule defined in the agreement or Chetana Chits haveripvt ltdwebsite/app.
2. Chetana Chits haveripvt ltdshall deduct its Transaction fees plus service tax per successful Transaction, and make payment of the balance of the Transaction amount to User/ Payee’s designated bank account. All other taxes, duties or charges shall be borne and paid by User, unless otherwise agreed between the parties.
3. Chetana Chits haveripvt ltdreserves the right to alter / modify / change the discount / commission rate at its discretion. Chetana Chits haveripvt ltdalso reserves the right to forthwith revise the Transaction fee payable in the event of any revision in the rates charges by the acquiring banks or card associations or guidelines issued by the RBI from time to time.
4. It is hereby agreed and acknowledged by the parties that the Transaction fees charged by Chetana Chits haveripvt ltdin respect of a Transaction that has been confirmed shall not be returned or repaid by Chetana Chits haveripvt ltdto the User or any other person irrespective of the Transaction being rejected, charged back, refunded or disputed.
5. Payment of the Services will be facilitated by a payment gateway and/or payment processing services provider appointed by the Company.
6. You will be required to provide relevant payment details including credit/debit card details (“Card Details”) with the Payment Processor in order for the Company to process payment of the Services availed, and You hereby authorize the Payment Processor to do so.
   1. permits the Payment Processor to debit or credit the bank account or debit/credit card account associated with Your payment details;
   2. permits the Payment Processor to use Your Card Details for the processing of transactions initiated by You;
   3. will remain in effect as long as You maintain an Account (and if You delete Your Card Details or Account, Company and the Payment Processor will not be able to process any further transactions initiated by You); and
   4. is subject to any other terms and conditions of the Payment Processor specified through the Application or Services from time to time.
7. If any amount paid by You is fully or partially refundable for any reason such amounts will be credited to Your Account within 30 business days.
8. Any payment processing-related issue not caused by an error or fault with the Website must be resolved by You and the relevant Payment Processor.

3. Refund Policy

1. 1. In the event there is any claim for/ of charge back by the User for any reason whatsoever, such User shall immediately approach Chetana Chits haveripvt ltd with his/ her claim details and claim refund from Chetana Chits haveripvt ltdSuch refund (if any) shall be affected only by Chetana Chits haveripvt ltdvia payment gateway or such other means, as Chetana Chits haveripvt ltddeems appropriate.

4. Termination

1. 1. You may terminate these Customer Terms at any time by closing Your Account or leaving the Website. You can close Your Account at any time by following the instructions on the Website.
   2. The Company may terminate these Customer Terms with immediate effect upon notice to You if:
      1. It needs to do so in order to comply with any Applicable Law;
      2. You cease to satisfy the Eligibility Requirements; or
   3. Upon termination of these Customer Terms for any reason:
      1. Your rights to use the Website will cease immediately, Your registration and Your Account will cease to apply, and the Company may block Your access to the Website;
      2. The Company will charge You all amounts due and owing at the date of termination; and