TERMS AND CONDITIONS
Last updated on: 21st March, 2023
1.1. "Applicable Law" means any statute, law, regulation, ordinance, rule, judgment, notification, order, decree, by-law, permits, licences, approvals, consents, authorisations, government approvals, directives, guidelines, requirements or other government restrictions, or any similar form of decision of, or determination by, or any interpretation, policy or administration, having the force of law of any of the foregoing, by any regulatory authority, whether in effect as on the date of you agreeing to be bound by these Terms or at any time after.
1.2. "Authority" means any judicial or quasi-judicial authority or any regulatory, statutory authority of any such territory where Services are being offered.
1.3. "Beneficiary" means the Person to whose bank account the Transaction Amount is transferred by the Customer by using the Services.
1.4. "Escrow Bank" means a bank that owns and operates the escrow account.
1.5. "Services" shall mean the technology services provided by Interropac on the Platform, which enable the Customer to initiate and affect payments of Transaction Amount to the Beneficiaries through various payment modes using the necessary software protocols.
1.6. "Dashboard" means the digital platform set up by the Customer on the Platform to avail the Services.
1.7. "Top-up Amount" means the monies deposited by the Customer to the Escrow Account.
1.8. "Transaction Amount" means such monies transferred by the Customer to the Beneficiaries in relation to the Services.
1.9. "Person" includes an individual, an association, a corporation, a partnership, a joint venture, a trust, an unincorporated organisation, a joint stock company, a bank, a non-banking financial company or other entity or organisation, including a government or political subdivision, an agency or instrumentality thereof, and/or any other legal entity.
1.10. "Platform" means https://www.karboncard.com/payout
2.1. In order to avail the Services, you will be required to create an account on the Platform by setting up a username and password which will be linked to your phone number and email address ("Account").
2.2. You agree that you shall implement reasonable measures to secure access to:
a. any device associated with the email address or phone number linked to your Account with the Platform; and b. the username, password, and other login or identifying credentials to access the Platform.
2.3. You are responsible for maintaining the confidentiality of your username and password assigned during the Account registration process. You agree to immediately notify us of any disclosure or unauthorised use of your Account, or any other breach of security with respect to your Account.
2.4. You must take reasonable steps to keep your password to the Account confidential and not disclose such information to third party. It is recommended that you change your password and notify us in the case of any abnormality or unidentified action from your account.
2.5. We reserve the right to disable your access to the Account if in our reasonable opinion you are in breach of any provision of the Terms or the Applicable Law or in the event of any unauthorised access to the Account.
2.6. If you know or suspect that anyone other than you knows your password, you must cease using the same password, change your password immediately and promptly notify us as provided under clause 17.
2.7. You must ensure that you log out from your Account at the end of each session to prevent misuse of your Account.
2.8. You expressly agree and consent to be liable and accountable for all activities that take place through your Account.
2.9. You agree to receive communications from us regarding: (i) information relating to the Services availed on the Platform; (ii) Transaction Amount debited and/or credited from/into the escrow account; (iii) information about us and the Services; (iv) promotional offers and services from us and our third-party partners; and (v) any other matter in relation to the Services.
3.1. You may be required to undertake certain underwriting processes with us in order to avail the Services. In this regard, we may require you to upload documents and information ("Underwriting Documents") that may be necessary to ascertain your eligibility to avail the Services.
3.3. Further, during the Term, we reserve the right to seek any additional information, data, or documentation (collectively, "Additional Information") which may be required to determine your eligibility to avail the Services or for the continued use of Services. You agree to share such Additional Information promptly upon request, and further authorise us to process such Additional Information.
3.4. You agree and warrant to provide true, complete, and up-to-date Underwriting Documents and Additional Information. If the information provided by you, in our sole discretion, is unreliable or appears to be fraudulent or deficient, then we reserve the right to not provide you the Services on the Platform. If we discover any deficiency in the information provided by you on a later date, then we may suspend the Account you hold with us, and the Escrow Bank reserves the right to return the Top-up Amount to you; or (ii) hold on to the Top-up Amounts for further investigation.
SCOPE OF SERVICES
a. Virtual Payment Address: Upon the successful creation of an Account by the Customer, Interropac shall provide the Customer with a virtual payment address specific to the Customer. You may utilise this virtual payment address to credit the Top-up Amount to the Escrow Account. You further agree that you shall transfer the Top-up Amount only from your current account maintained with scheduled commercial bank. b. Dashboard: The Customer shall have access to the Dashboard post creation of Account. The Customer shall disburse the Transaction Amount to the Beneficiary by entering all the necessary details of its Beneficiaries on the Dashboard, in such format as may be required.
4.2. Escrow Bank: Please note that the Services are provided in partnership with the Escrow Bank.
4.3. You shall not use the Platform in any manner except as expressly permitted in these Terms. Without limiting the generality of the preceding sentence, you may not:
a. except as may be provided hereunder, copy, display, distribute, modify, publish, reproduce, store, transmit, post, translate, create any derivative works from, or licence the Platform; b. use the Platform to transmit any data or send or upload any material that contains viruses, trojan horses, worms, timebombs, keystroke loggers, spyware, adware, or any other harmful programmes or similar computer code designed to adversely affect the operation of any computer software or hardware; c. portion thereof; use any robot, spider, other automated device, or manual process to monitor or copy the Platform or Services or any portion thereof; d. engage in the systematic retrieval of content from the Platform to create or compile, directly or indirectly, a collection, compilation, database, or directory; e. use the Services in any unlawful manner, for fraudulent or malicious activities, or in any manner inconsistent with these Terms; or c. violate Applicable Laws in any manner.
5.1. Right to audit and suspend Account
a. You agree that you shall permit and facilitate us, our officers, employees, agents, advisors, auditors and other professionals to (i) inspect and audit your records available on the Dashboard, your business in general, and any activities carried in relation to the Services availed; (ii) seek information including but not limited to Underwriting Documents, copy of licence, payment and delivery proof, business records, etc; (iii) monitor your compliance with covenants, standards, terms and conditions hereunder; and (iv) perform discretionary audits. b. Further, you also reserve the right of the Authorities (i) to conduct an on-site/off-site monitoring and inspection of the arrangement under these Terms; (ii) to cause an inspection to be made on you and your books and accounts by one or more of its officers, employees, or any other persons at any time with or without notice and you undertake not to impede the Authorities in carrying out their supervisory functions and objectives. c. Interropac reserves the right to verify the details/information provided by you. In the event such information is false, Interropac reserves the right to take action against you including but not limited to suspension of your Account on the Platform. Additionally, Interrpac reserves the right to suspend your Account for any breach of the terms contained herein. d. In the event we suspect your involvement in any fraudulent activity, unauthorised activity, illegal activity, or any such activity which constitutes a breach of these Terms, you agree that we may undertake such actions against you, including but not limited to suspending your Account on the Platform. e. You agree that we reserve the right to observe, and/or track your activities on the Platform and inform any such activity undertaken by you to any Authority, which in our opinion is or is suspected to be fraudulent, unauthroised, illegal, and/or breaches the Terms in any manner. f. Further, we reserve the right to charge a penalty fee from you, for abusing our Platform, towards the charges incurred for the investigation, operational handling, and legal consultation charges.
5.2. Right to collect, store and share information
a. You agree that upon deletion of your account, we reserve the right to retain such data of yours to the extent permitted under the Applicable Law. b. We reserve the right to screen you against lists, including but not limited to blacklists, whitelists, warning lists and sanctions lists at our discretion and work with our banking partners and notify the Authorities in case of a match against any of these lists.
5.3. Right to charge Fee
The Services provided are free of cost. However, you understand that we reserve the right to levy fees in the future for a Customer to be able to access our Platform and Services. In such an event, we shall provide the Customer with a prior reasonable notice and the Customer shall have the option to discontinue the access to our Platform and Services if the Customer does not wish to continue availing our Services.
5.4. Right to withhold and/or refund the Payouts Amount
You agree and understand that Interropac shall have the right to withhold and/or initiate a refund back to the source account in respect of the Top-up Amount, if required by the Escrow Bank or any Authority or in the event the same is considered necessary by Interropac due to any fraud, negligence, misconduct, breach of Applicable Laws, or breach of the Terms by you.
CONSENT TO USE DATA
6.2. All data pertaining to the information available on the Dashboard, your Account, your usage of the Services, shall be backed up by us and you authorise us to store and share the back-ups with the Authorities, if so required.
6.3. We may use information and data pertaining to your use of the Services for analytics, trends identification, and purposes of statistics to further enhance the effectiveness of the Services and efficiency of the Platform.
7.1. You represent and warrant that all information that you provide on the Platform or in relation to the Services is complete, true, and correct on the date of agreeing to these Terms and shall continue to be complete, true, and correct while you avail the Services.
7.2. During the Term and thereafter, you agree that you will not disparage us or any of our affiliates in any way which could adversely affect our or any of our affiliates' goodwill, reputation and business relationships with the public generally, or with any of our customers, suppliers or employees.
7.3. You shall extend all cooperation to us, in our defence of any proceedings that may be initiated against us due to a breach of your obligations or covenants under these Terms.
7.4. You agree that you shall promptly, and in no event in later than 3 days from the date of change, provide us details regarding any changes in the ownership/control/management, business type, legal name, contact information, bank account, and any other changes that would affect the provision of Services.
7.5. By agreeing to these Terms, you assert that you are not in the business on selling goods and services mentioned under Schedule I. In case you do, you shall not be qualified to avail the Services.
7.6. You further agree that you shall not use the Services in relation to the activities mentioned under Schedule I.
7.7. You agree that you shall conduct reasonable due diligence of the Beneficiaries.
7.8. You agree that you shall not display the virtual payment address on any other platform in a manner which:
a. portrays or suggest Interropac's endorsement, association, approval with any person, product, services etc b. is illegal; or c. may cause, either intentional or unintentionally, damage or harm to our reputation or goodwill.
REPRESENTATIONS AND WARRANTIES
8.1. You hereby represent and warrant that:
a. You are duly incorporated or established under the laws of India and have all the requisite power and authority to own and operate your business. b. The execution and performance of these Terms has been authorized by all necessary corporate actions. c. The use of the Services, including the transfer of Top-up Amount shall not be in contravention of Applicable Laws, including but not limited to all applicable anti-bribery and anti-corruption laws and Prevention of Money Laundering Act, 2002. d. You are not engaged and shall not engage in undertaking any business mentioned under Schedule I.
9.1. You understand that Interropac is merely a technology player and is not responsible for initiating debits of Transaction Amount from the escrow account and accordingly, the Customer shall not hold Interropac responsible for any delays or non-settlement in this regard.
9.2. The Services and other products, information, materials, and services provided by Interropac are provided "as is". Interropac specifically disclaims all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and all warranties arising from course of dealing, usage, or trade practice in respect to the same. Without limiting the foregoing, Interropac makes no warranty of any kind that the Services or any products or results of the use thereof, will meet your or other persons' requirements, operate without interruption, achieve any intended result, be compatible or work with any software, systems, or other services, be secure, accurate, complete, free of harmful code or error free.
9.3. The Customer agrees that it shall be the Customer's sole responsibility to ensure the correctness of any communication, information, instruction or any other inputs which is required to use the Service. Interropac shall not be liable in the event the instructions provided on the Dashboard are incorrect and the Transaction Amount is not credited to the bank account of the concerned Beneficiary.
9.4. You understand that you, are solely liable to maintain Transaction Amounts in the escrow account in order to avail the Services.
9.5. You understand that we shall in no manner be held liable for any unauthorised use of the Service through your Account due to unauthorised access including but not limited to hacking and security breaches.
9.6. You understand and agree that we do not accept any responsibility or liability for any loss or damage that you may suffer or incur if any information, documentation, material, or data provided to avail the Services is incorrect, incomplete, inaccurate, or misleading, or if you fail to disclose any material fact.
ADDRESSAL OF GRIEVANCES
10.1. If the Merchant has any questions or complaints regarding the Services, you may directly reach out to us through the modes provided at firstname.lastname@example.org
11.1. All rights, title, and interest in and to the Platform and Services, including all intellectual property rights arising out of the Platform and Services (including text, graphics, software, photographs and other images, videos, sound, trademarks, and logos), are owned by or otherwise licensed to us. Subject to compliance with these Terms, we grant you a non-exclusive, non-transferable, non-sub licensable, royalty-free, revocable, and limited licence to use the Platform in accordance with these Terms.
11.2. We may request you to submit suggestions and other feedback, including bug reports and vulnerability disclosures, relating to the Services from time to time ("Feedback"). We may freely use, copy, disclose, publish, display, distribute, and exploit the Feedback we receive from you, without any payment of royalty, acknowledgement, prior consent, or any other form of restriction arising out of your intellectual property rights.
11.3. Except as stated in these Terms, nothing in these Terms should be construed as conferring any right in or license to our or any third-party's intellectual property rights.
11.4. You must not use any part of the content on our Platform for commercial purposes without obtaining a licence to do so from us or our licensors. If you print, copy, or download any information from our Platform in breach of these Terms, your right to use our Platform will cease immediately, and you must, at our option, return or destroy any copies of the materials you have made.
11.5. Interropac reserves the right to ban you in the event you infringe, violate or misappropriate the intellectual property rights of Interropac or any other third party, while using the Platform.
12.1. You shall indemnify, defend at Interropac's option, and hold Interropac, its affiliates, and their officers, associates, successors, assigns, licensors, employees, directors, agents, and representatives, harmless from and against any direct or indirect losses, actions, damages, penalties, cost and expenses, claim, demand, lawsuits, judicial proceeding, (including, without limitation, from all damages, liabilities, settlements, costs and attorneys' fees) arising from or relating to:
a. acts, commissions or omissions, errors, misrepresentations, misconduct, negligence, fraud, forgery, dishonesty, violation attributable to you and/or your personnel/agents/representatives, or any third party who may use your Account, your access to the Platform, use of the Services, violation of these Terms or any infringement of these Terms; b. contravention of Applicable Law or industry practice applicable to you; or c. any claim from any Authority or any third party as a result of any action or inaction on your part, including but not limited to, breach of these Terms or any acts committed beyond the scope of these Terms.
LIMITATION OF LIABILITY
13.1. Notwithstanding anything to the contrary contained herein, neither Interropac nor any of its affiliates or related parties shall have any liability to you or any third party for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under, directly or indirectly, or relating, in any manner whatsoever, to these Terms, including any action taken by any Authority. To the maximum extent permitted by law, you agree to waive, release, discharge, and hold harmless Interropac, its affiliates, subsidiaries, parent company, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of your use of the Platform or the Services.
You hereby agree and understand that without prejudice to any other rights or remedies Interropac may have, you agree and confirm that Interropac shall have the right to set-off by whatever means the whole or any part of your liability to Interropac under these Terms against the Top-up Amount maintained in the Escrow Account. You agree that Interropac may exercise the right of set-off at any time and shall intimate to you of the same. In the event such set-off does not fully reimburse Interropac for the liability owed, you shall be under a liability to pay Interropac a sum equal to any shortfall thereof.
15.1. These Terms shall remain in effect as long as you continue to access the Platform, avail the Services, or maintain an Account on the Platform.
16.1. Notwithstanding other legal remedies that may be available to you, we may at our sole discretion, limit your access or activity (either temporarily or indefinitely), or suspend or terminate your Account or refuse to provide you with access to the Platform and the Services, without providing you with notice or cause, for any reason including but not limited to the occurrence of the following events:
a. breach of your obligations, covenants, representation under the Terms; b. breach of Applicable Law; or c. upon the request of Authorities.
16.2. Upon termination under Clause 15.1:
a. you shall not be permitted to use the Platform; and b. these Terms shall terminate, except for those clauses that are intended to survive termination or expiry, including clauses 5.1, 12, 13, 19 and 20. All your rights and obligations that arise prior to termination shall also survive.
16.3. Notwithstanding anything to the contrary contained in the Terms, upon termination of your access to or use of the Platform and Services, the Top-up Amounts in the escrow account shall be payable in accordance with the instructions received from the Escrow Bank or any Authority.
INTERROPAC MAY MAKE CHANGES TO THE PLATFORM
17.1. We reserve the right to make changes to these Terms and Conditions and the Platform. As a Customer, you are required to review these Terms each time you use the Platform or Services. Your use of the Platform and Services will be governed by these Terms as amended from time to time. If at any point such amendments are not acceptable to you, we advise you to cease using the Platform and/or the Services at such time.
17.2. We also reserve the right to suspend or withdraw or restrict the availability of all or any part of our Platform for business and operational reasons. We do not guarantee that our Platform will always be available or be uninterrupted.
The Services may include services, content, documents, and information owned by, licensed to, or otherwise made available by a third-party ("Third-Party Services"), and may also include links to Third-Party Services. You understand and acknowledge that Third-Party Services are the responsibility of the third-party that created or provided it and acknowledge that use of such Third-Party Services is solely at your own risk.
19.1. Severability - If any provision of these Terms is determined by any court or other competent authority to be unlawful or unenforceable, the other provisions of these Terms will continue to be in effect. If any unlawful or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue to be in effect (unless that would contradict the clear intention of the clause, in which case the entirety of the relevant provision will be deemed to be deleted).
19.2. Waiver - No failure or delay in exercising any right, power, or privilege hereunder shall operate as a waiver thereof nor shall any single or partial exercise of any right, power, or privilege preclude any other or further exercise thereof or the exercise of any other right, power, or privilege. Every right or remedy herein conferred upon or reserved to either party shall be cumulative and shall be in addition to every right and remedy existing in law or equity or by statute and the pursuit of any one right or remedy shall not be construed as an election.
19.3. Assignment - You shall not licence, sell, transfer, or assign your rights, obligations, or covenants under these Terms in any manner without Interropacʼs prior written consent. Interropac may grant (subject to any conditions it deems appropriate) or withhold this consent at its sole discretion. Interropac may assign its rights to any of its affiliates, subsidiaries, or parent company, or to any successor in interest of any business associated with the Services without any prior notice to you.
19.4. Force Majeure - You agree that we shall not be liable for any breach of these Terms if such breach is caused by an event that is unforeseeable and beyond our reasonable control (such as, depending on the circumstances, unavailability of any communication system, breach or virus in our system, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, unauthorized access to computer data and storage devices, computer crashes and regulatory or government actions ("Force Majeure Event"). In such circumstances, we will be entitled to a reasonable extension of time to perform our obligations and shall take commercially reasonable methods to inform you of the Force Majeure Event and use all reasonable endeavors to mitigate the effects of the Force Majeure Event.
19.5. Notices - All notices, requests, demands, and determinations for Interropac under these Terms (other than routine operational communications) shall be sent to No. 326, Slate House, 2nd Floor, 1st Stage, Binnammangala, Indiranagar, Bangalore, Karnataka- 560038.
19.6. Third Party Rights -- No third party shall have any rights to enforce any terms contained herein.
19.7. Translations -- Interropac may provide you with translated versions of these Terms solely to assist you with understanding these Terms in greater detail. The English version of these Terms shall be controlling in all respects. In the event of any inconsistency between the English version of these Terms and any translated version, the terms of the English version shall prevail.
GOVERNING LAWS AND JURISDICTION
20.1. These Terms shall be governed by and construed in accordance with the laws of India and any dispute concerning these Terms shall be subject to the exclusive jurisdiction of courts at Bangalore, India.
20.2. Any dispute or claim arising out of or in connection with or relating to these Terms or their breach, termination, or invalidity hereof shall be referred to and finally resolved by arbitration in Bengaluru in accordance with the Arbitration and Conciliation Act, 1996 for the time being in force, which rules are deemed to be incorporated by reference in this clause 20.2.
20.3. Within 30 days of the issue of a notice of dispute, Interropac and you shall mutually agree on the appointment of a sole arbitrator. If such mutual agreement is not arrived at within the aforesaid 30 days' period, Interropac and you shall appoint such sole arbitrator in accordance with the Arbitration and Conciliation Act, 1996.
20.4. The seat of arbitration shall be Bengaluru and the arbitration proceedings shall be conducted in the English language.
20.5. We/You agree to keep the arbitration confidential and not disclose to any person, other than those necessary to the proceedings, any information, transcripts, or award unless required to do so by law. The decision of the arbitrator shall be final and binding on us/you hereto.
20.6. We/You hereto agree that consent for resolution of dispute through arbitration shall not preclude or restrain you/us from seeking suitable injunctive relief in appropriate circumstances from courts in Bengaluru.
20.7. The cost of arbitration shall be borne in the manner and by us/you as determined by the arbitrators. In the meantime, we/you shall bear our/your own cost for the arbitration which shall be reimbursed as per the directions in the arbitral award.
21.1. If you have any questions, complaints, or claims with respect to the Services, you may contact us at email@example.com
i. Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery and other media, escort or prostitution services);
ii. Alcohol or goods which includes Alcohol content or any other alcoholic beverages such as beer, liquor, wine, or champagne;
iii. Body parts which includes organs or other body parts including blood and other bodily fluids;
iv. Bulk marketing tools which includes email lists, software, or other products enabling unsolicited email messages (spam);
v. Cable descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free;
vi. Child pornography which includes pornographic materials involving minors;
vii. Copyright unlocking devices which includes Mod chips or other devices designed to circumvent copyright protection;
viii. Copyrighted media which includes unauthorized copies of books, music, movies, and other licensed or protected materials;
ix. Copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software;
x. Counterfeit and unauthorized goods which includes replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association; fake autographs, counterfeit stamps, and other potentially unauthorized goods;
xi. Drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs like salvia and magic mushrooms;
xii. Drug test circumvention aids which includes drug cleansing shakes, urine test additives, and related items;
xiii. Endangered species which includes plants, animals or other organisms (including product derivatives) in danger of extinction;
xiv. Gaming/gambling which includes lottery tickets, sports bets, memberships/ enrolment in online gambling sites, and related content;
xv. Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles;
xvi. Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property;
xvii. Illegal goods which includes materials, products, or information promoting illegal goods or enabling illegal acts;
xviii. Miracle cures which includes unsubstantiated cures, remedies or other items marketed as quick health fixes;
xix. Offensive goods which includes literature, products or other materials that: a) Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors b) Encourage or incite violent acts c) Promote intolerance or hatred;
xx. Offensive goods, crime scene photos or items, such as personal belongings, associated with criminals;
xxi. Prescription drugs or herbal drugs or any kind of online pharmacies which includes drugs or other products requiring a prescription by a licensed medical practitioner;
xxii. Pyrotechnic devices and hazardous materials which includes fireworks and related goods; toxic, flammable, and radioactive materials and substances;
xxiii. Regulated goods which includes air bags, batteries containing mercury, Freon or similar substances/refrigerants, chemical/industrial solvents, government uniforms, car titles, license plates, police badges and law enforcement equipment, lock-picking devices, pesticides, postage meters, recalled items, slot machines, surveillance equipment, goods regulated by government or other agency specifications;
xxiv. Securities which includes stocks, bonds, or related financial products;
xxv. Tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, electronic cigarettes and related products;
xxvi. Traffic devices which includes radar detectors/jammers, license plate covers, traffic signal changers, and related products;
xxvii. Weapons which includes firearms, ammunition, knives, brass knuckles, gun parts, and other armaments;
xxviii. Wholesale currency which includes discounted currencies or currency exchanges;
xxix. Live animals;
xxx. Multi-Level Marketing collection fees;
xxxi. Matrix sites or sites using a matrix scheme approach;
xxxii. Work-at-home information;
xxxiii. Drop-shipped merchandise;
xxxiv. Overseas foreign exchange trading;
xxxv. Any product or service which is not in compliance with all applicable laws and regulations whether federal, state, local or international including the laws of US;
xxxvi. Remote Access Technical Support;
xxxvii. Illegal weapons, Product violating someone's privacy, providing or creating computer viruses;
xxxviii. Product that tries to gain unauthorized access or exceeds the scope of authorized access to the Website, profiles, blogs, communities, account information, bulletins, friend requests, or other areas of the Website, or solicits passwords or personal identifying information for commercial or unlawful purposes from other users on the Website;
xxxix. Interferes with another's use and enjoyment of the Website;
xl. Threatens the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any offence or prevents investigation of any offence or is insulting any other nation;
xli. Shall, directly or indirectly, offer or attempt to offer trade or attempt to trade in any item which is prohibited or restricted in any manner under the provisions of any applicable law, rule, regulation or guideline for the time being in force;
xlii. Shall create liability for us or cause us to lose (in whole or part) the services of our Internet Service Provider ("ISPs") or other suppliers.
xliii. Web Hosting;
xliv. Financial Consultants;
xlv. Resume writing and Recruitment services
xlvi. Fortune tellers/Astrology;
xlvii. Credit repair or protection or restoration;
xlviii. Dating/Matrimonial services;
l. Auction houses;
li. Real Estate agents/brokers;
lii. Prepaid cards;
liii. Adoption of children and babies;
liv. Code that carries out any "denial of service" or any other harmful attacks on application or internet service;
lv. Inappropriate, illegal or otherwise prohibited communication to any newsgroup, mailing list, chat facility, or other internet forum;
lvi. Disruption, placing unreasonable burdens or excessive loads on, interfere with or attempt to make or attempt any unauthorized access to the Store (as defined in GMAS Terms) of any other User;
lvii. Antisocial, disruptive, or destructive acts, including "flaming," "spamming," "flooding," "trolling," and "briefing" as those terms are commonly understood and used on the internet;
lviii. Block chain and digital payment systems such as Bitcoins.