By registering on, accessing, browsing, downloading or using the BP Pay Platform for any general purpose or for the specific purpose of availing any BP Pay Service, You agree to be bound by the terms and conditions set forth below as well as by the service-specific terms and conditions applicable to each BP Pay Service (hereinafter collectively, the T&Cs). These T&Cs shall also include any additional or modified terms and conditions in relation to the SSOID or any additional or modified service-specific terms and conditions in relation to any BP Pay Service or any future service that may be offered by BP Pay on the BP Pay Platform. By registering on, accessing, browsing, downloading or using (as applicable) the BP Pay Platform or availing any BP Pay Service or the SSOID, You automatically and immediately agree to all the T&Cs. If at any time you do not accept or agree with any of the T&Cs or do not wish to be bound by the T&Cs, You may not access, browse or use the BP Pay Platform and immediately terminate your availing the BP Pay Services. Accepting or agreeing to the T&Cs will constitute a legal contract (hereinafter Agreement) between You, being at least 16 years of age and an individual user of the BP Pay Platform or a customer or beneficiary of the BP Pay Services, and BP Pay. All services are rendered by BP Pay through the BP Pay Platform under the brand name “BP Pay” (or any derivatives or variations thereof). Consequently, all the rights, benefits, liabilities and obligations under the T&Cs shall, as the case may be, accrue to the benefit of, or incurred by, BP Pay, regarding Your use of BP Pay’s digital services (which includes but may not be limited to prepaid recharge, online payment), the semi closed wallet service, the marketplace service or any such other services which may be added on the BP Pay Platform and which will henceforth be a BP Pay Service, from time to time. The BP Pay Services shall be used by you subject to your adherence with the T&Cs. As long as you accept and comply with these T&Cs, BP Pay grants you a personal, non-exclusive, non-transferable, limited, revocable privilege to enter and use the BP Pay Platform and/or avail the BP Pay Services.

The BP Pay Services are not available to persons under the age of 16 or to anyone previously suspended or removed by BP Pay from availing the BP Pay Services or accessing the BP Pay Platform. By accepting the T&Cs or by otherwise using the BP Pay Services on the BP Pay Platform, You represent that You are at least 16 years of age and have not been previously suspended or removed by BP Pay, or disqualified for any other reason, from availing the BP Pay Services or using the BP Pay Platform. In addition, you represent and warrant that you have the right, authority and capacity to enter into this Agreement and to abide by all the T&Cs as part of this Agreement. Finally, you shall not impersonate any person or entity, or falsely state or otherwise misrepresent your identity, age or affiliation with any person or entity. Finally, in the event of any violation of the T&Cs, BP Pay reserves the right to suspend or permanently prevent you from availing BP Pay Services or using the BP Pay Platform.

Additional terms and conditions may apply in order for You to avail specific BP Pay Services and to specific portions or features of the BP Pay Platform, including contests, promotions or other similar features, all of which terms are made a part of these T&Cs by this reference. You agree to abide by such other terms and conditions, including where applicable representing that you are of sufficient legal age to use or participate in such service or feature. If there is a conflict between these T&Cs and the terms posted for or applicable to a specific portion of the BP Pay Platform or for any BP Pay Service offered on or through the BP Pay Platform, the latter terms shall control with respect to Your use of that portion of the BP Pay Platform or the specific BP Pay Service. BP Pay may make changes to any BP Pay Services offered on the BP Pay Platform, or to the applicable terms for any such BP Pay Services, at any time, without notice. The materials on the BP Pay Platform with respect to the BP Pay Services may be out of date, and BP Pay makes no commitment to update the materials on the BP Pay Platform with respect to such BP Pay Services. The following terms also govern and apply to your use of the BP Pay Platform.

BP Pay’s SSOID service offers You the convenience, after a one-time registration any BP Pay Platform, to sign on (log in) to all web pages and online platforms operated by BP Pay or its affiliates (hereinafter the Participating Platforms) with single log-in access / data, without going through a separate registration process every time. After successfully registering for the SSOID Service, the user can log-in via each Participating Platform with his SSOID access credentials. Moreover, if already logged in to one of the Participating Platforms, the user can immediately use all other Participating Platforms without additional log-in procedures (subject to the respective Participating Platform requiring further declarations). The Participating Platforms that offer the SSOID as a login feature, are visible on registration and in the user account. The number of Participating Platforms may also vary in the course of time. With regard to the contractual relationships of the users with the respective Participating Platforms, for the purposes of which BP Pay’s SSOID service is or can be used in accordance with these T&Cs, these can alternatively have their own commercial and user terms and conditions. These business or user terms and conditions are available on the respective Participating Platforms. For the respective contents of the Participating Platforms, the respective affiliate of BP Pay is solely responsible only for those content that it actually operates. For the SSOID service, these T&Cs apply exclusively, whereas for the use of the Participating Platforms, their business and user terms and conditions apply along with these T&Cs. The SSOID shall be owned and operated by Blue Planet for use on all Participating Platforms. For the use of BP Pay’s SSOID service, the user must register. Registration as a user is only allowed if the user meets the eligibility criteria as set out in these T&Cs. Each user can set up only one user account. The user is obliged to provide correct and complete information during the registration and use of the SSOID service. The login data is intended solely for personal use by the user and therefore always to be kept secret and safe. The user is not entitled to share his login details with third parties to use the SSOID service or to disclose them otherwise. The user is obliged to inform BP Pay immediately on becoming aware of and/or suspecting a case of any unauthorized use, disclosure and/or misuse of their access data or of their user account. Furthermore, the user is obliged not to use the user account of another person. Submission of the duly completed registration form by the user simply provides invitation to us to make an offer to enter into the agreement on the use of our SSOID service (hereinafter the SSOID Agreement). Our offer for the conclusion of the SSOID Agreement is then effected by the fact that BP Pay sends the user a confirmation by e mail, in which a confirmation link is included next to the user name and the password for the SSOID Service. By the user clicking on this confirmation link, the user accepts BP Pay’s offer, so that in this way the SSOID Agreement enters into force. Conclusion of the SSOID Agreement may, also be effected through other communication modes and following such processes which help achieve the same purpose as the aforementioned e-mail confirmation process. BP Pay is entitled to reject individual users without giving reasons. The user guarantees that the data submitted for their user account (and any other information that is otherwise left for BP Pay) are in all respects complete, true, accurate and not misleading. Any changes to user’s data should be promptly updated correctly in its account.

By accepting the T&Cs, You accept the following:

• BP Pay may send alerts to the mobile phone number provided by You while registering with the BP Pay Platform for the SSOID service or on any updated mobile number subsequently provided by You on the BP Pay Platform, or via e-mail or push notifications. The alerts will be received in case of SMS, only if the mobile phone is in ‘On’ mode to receive the SMS, in case of e-mail, only if the e-mail servers and e-mail ids are functional, and in case of push notifications, if the user has enabled the receipt of such notifications. If the mobile phone is in ‘Off’ mode or if the e-mail servers or ids are not functional or if the push-notifications feature has been turned off, then You may not get the alert at all or get delayed messages. BP Pay is a related third party payment aggregation platform. BP pay has the permission to use the transaction data through the platform in further upcoming marketing, promotion and other campaign and projects.
• BP Pay will make best efforts to provide alerts via SMS/e-mail/push notifications and it shall be deemed that You shall have received the information sent from BP Pay as an alert on the mobile phone number or e-mail id provided during the course of, or in relation to, using the BP Pay Platform or availing any BP Pay Services. BP Pay shall not be under any obligation to confirm the authenticity of the person(s) receiving the alert. You cannot hold BP Pay liable for non-availability of the SMS/email alert/push notifications service in any manner whatsoever.
• The SMS/e-mail alert/push notification service provided by BP Pay is an additional facility provided for your convenience and that it may be susceptible to error, omission and/or inaccuracy. In the event that you observe any error in the information provided in the alert, BP Pay shall be immediately informed about the same by you and BP Pay will make best possible efforts to rectify the error as early as possible. You shall not hold BP Pay liable for any loss, damages, claim, expense including legal cost that may be incurred/suffered by You on account of the SMS/e-mail alert/push notification facility.
• The clarity, readability, accuracy and promptness of providing the SMS/e-mail alert/push notification service depend on many factors including the infrastructure and connectivity of the service provider. BP Pay shall not be responsible for any non-delivery, delayed delivery or distortion of the alert in any way whatsoever.
• You will indemnify and hold harmless BP Pay and the SMS/e-mail service provider including its officials from any damages, claims, demands, proceedings, losses, costs, charges and expenses whatsoever including legal charges and attorney’s fees which BP Pay or the SMS/e-mail service provider may at any time incur, sustain, suffer or be subjected to as a consequence of, or arising out of, any of the following: (i) misuse by You or improper or fraudulent information provided by You; (ii) incorrect number or a number that belongs to an unrelated third party provided by You; and/or (iii) the customer receiving any message relating to the reservation number, travel itinerary information, booking confirmation, modification to a ticket, cancellation of ticket, change in bus schedule, delay, and/or rescheduling from BP Pay and/or the SMS/e-mail service provider.

You understand that except for information, products or services clearly indicated as being supplied by BP Pay, we do not operate, control, or endorse any information, products or services on the Internet in anyway. You also understand that BP Pay cannot and does not guarantee or warrant that files available for download through the BP Pay Platform will be free of viruses, worms or other code that may be damaging. You are responsible for implementing procedures to satisfy your particular requirements of Internet security and for accuracy of data input and output.

By accessing or using the BP Pay Platform or by availing BP Pay Services, You agree not to:

• violate the T&Cs;
• impersonate any person or entity, falsely claim or otherwise misrepresent Your affiliation with any person or entity, or access the accounts of others without permission, forge another person’s digital signature, misrepresent the source, identity, or content of information transmitted via the BP Pay Services, perform any other similar fraudulent activity or otherwise avail BP Pay Services with what we reasonably believe to be potentially fraudulent funds;
• infringe our or any third party’s intellectual property rights, rights of publicity or privacy;
• use the BP Pay Services if You are under the age of 16 years without a parental sponsor or, in any event, use the BP Pay Services if You are under the age of 13 years old even with a parental sponsor and in accordance with applicable law;
• post or transmit any message which is libelous, defamatory or which discloses private or personal matters concerning any person;
• post or transmit any message, data, image or program which is pornographic, vulgar or offensive in nature;
• refuse to cooperate in an investigation or provide confirmation of Your identity or any other information provide by You to BP Pay;
• remove, circumvent, disable, damage or otherwise interfere with security-related features of the BP Pay Services and the BP Pay Platform or features that enforce limitations on the use of the BP Pay Services or the BP Pay Platform;
• reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of as regards BP Pay Services or BP Pay Platform or any part thereof, except and only to the extent this is expressly permissible by applicable law;
• use the BP Pay Services or the BP Pay Platform in any manner that could damage, disable, overburden, or impair it, including, without limitation, using the BP Pay Services or the BP Pay Platform in an automated manner;
• modify, adapt, translate or create derivative works based upon the BP Pay Services and the BP Pay Platform or any part thereof, except and only to the extent that that this is permissible by applicable law;
• intentionally interfere with or damage operation of the BP Pay Services or the BP Pay Platform or any other user’s enjoyment of it, by any means, including uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code or file with contaminating or destructive features;
• interfere or disrupt the BP Pay Platform or networks connected to the BP Pay Platform;
• take any action that imposes an unreasonably or disproportionately large load on BP Pay’s infrastructure/network;
• use any device, software or routine to bypass the BP Pay Platform’s robot exclusion headers, or interfere or attempt to interfere, with the BP Pay Services;
• forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through the BP Pay Platform or to manipulate Your presence on the BP Pay Platform;
• sell the BP Pay Services, information, or software associated with or derived from it;
• use the facilities and capabilities of the BP Pay Platform to conduct any activity or solicit the performance of any illegal activity or other activity which infringes the rights of others;
• breach this Agreement, the SSOID Agreement or any other agreement or policy as may be applicable pursuant to the T&Cs;
• provide false, inaccurate or misleading information;
• use the BP Pay Platform to collect or obtain personal information, including without limitation, financial information, about other users of the BP Pay Platform, except and only as expressly provided in the T&Cs;
• avail BP Pay Services with what BP Pay reasonably believes to be potentially fraudulent funds;
• use the BP Pay Services in a manner that results in or may result in complaints, disputes, reversals, chargebacks, fees, fines, penalties and other liability to BP Pay, or You;
• use the BP Pay Services in a manner that BP Pay or any payment card network reasonably believe to be an abuse of the payment card system or a violation of payment card network rules;
• take any action that may cause BP Pay to lose any of the BP Pay Services from its service providers or lose any of its recharge partners or business partners, including mobile operators or telecom companies, payment processors or other suppliers;
• Send automated request of any kind to the BP Pay Platform without express permission in advance from BP Pay.

You agree that BP Pay, in its sole discretion, for any or no reason, and without penalty, may suspend or terminate Your account (or any part thereof) or Your use of the BP Pay Services/BP Pay Platform and remove and discard on the BP Pay Platform all or any part of Your account, Your user profile, or Your recipient profile, including Your SSOID, at any time. BP Pay may also in its sole discretion and at any time discontinue providing access to the BP Pay Services, or any part thereof, with or without notice. You agree that any termination of your access to the BP Pay Services/BP Pay Platform or any account you may have or portion thereof may be effected without prior notice, and you agree that BP Pay will not be liable to you or any third party for any such termination or interruption. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies BP Pay may have at law or in equity. Upon termination for any reason, you agree to immediately stop using the BP Pay Services/BP Pay Platform.

In no event, BP Pay or its contractors, agents, licensors, partners or suppliers will be liable to You for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation lost business opportunities, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) arising out of or relating to: (I) this Agreement; (ii) the SSOID Agreement; (iii) the BP Pay Services, the BP Pay Platform or any reference site/app/platform/service; or (iv) Your use or inability to use the BP Pay Services, the BP Pay Platform (including any and all materials) or any reference sites/app/platform/service, even if BP Pay or a BP Pay authorized representative has been advised of the possibility of such damages. In no event, BP Pay directors, employees, agents, will be liable to You for any damages, liabilities, losses, and causes of action arising out of or relating to: (I) this Agreement; (ii) the SSOID Agreement; (iii) the BP Pay Services, the BP Pay Platform or any reference site/app/platform/service; or (iv) Your use or inability to use the BP Pay services, the BP Pay Platform (including any and all materials) or any reference sites/app/platform/service; or (v) any other interactions with BP Pay, however caused and whether arising in contract, tort including negligence, warranty or otherwise, beyond or in excess of the amount paid by You, if any, for using the portion of the BP Pay Service or the BP Pay Platform giving rise to the cause of action. You acknowledge and agree that BP Pay has offered its products and services, set its prices, and entered into this Agreement in reliance upon the warranty disclaimers and the limitations of liability set forth herein, that the warranty disclaimers and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between You and BP Pay, and that the warranty disclaimers and the limitations of liability set forth herein form an essential basis of the bargain between You and BP Pay. BP Pay would not be able to provide the services to you on an economically reasonable basis without these limitations. Applicable law may not completely allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitations or exclusions will apply to you subject to applicable law. In such cases, BP Pay’s liability will be limited to the fullest extent permitted by applicable law. This paragraph shall survive the termination of this Agreement.

You agree to indemnify, save, and hold BP Pay, its affiliates,  employees, officers, directors, , and partners harmless from any and all claims, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to: (i) Your use or misuse of the BP Pay Services or of the BP Pay Platform; (ii) any violation by You of this Agreement or the SSOID Agreement; or (iii) any breach of the representations, warranties, and covenants made by You herein. BP Pay reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify BP Pay, including rights to settle, and you agree to cooperate with BP Pay’s defense and settlement of these claims. BP Pay will use reasonable efforts to notify you of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of this Agreement.

To the fullest extent permissible pursuant to applicable law, BP Pay and its third-party partners, disclaim all warranties or guarantees – whether statutory, express or implied – including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. No advice or information, whether oral or written, obtained by You from BP Pay or through the BP Pay Services or the BP Pay Platform will create any warranty or guarantee other than those expressly stated herein. For the purposes of this Disclaimer, You expressly acknowledge that as used in this section, the term “BP Pay” includes BP Pay’s officers, directors, employees, You acknowledge that BP Pay is a reseller of mobile recharges and is not liable for any third party (telecom companies, mobile operators or suppliers) obligations due to rates, quality and all other instances, whether to any such telecom companies’ subscribers or otherwise. You expressly agree that use of the BP Pay Services on the BP Pay Platform is at your sole risk. It is your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the site or on the Internet generally. BP Pay does not warrant that the BP Pay Services will be uninterrupted or error-free or that defects in the site will be corrected. The BP Pay Services and the BP Pay Platform and any data, information, third party software, reference sites, services, or software made available in conjunction with or through the services and the site are provided on an “as is” and “as available,” “with all faults” basis and without warranties or representations of any kind either express or implied. BP Pay, and its partners do not warrant that the data, BP Pay software, functions, or any other information offered on or through the BP Pay Services/BP Pay Platform or any reference sites/platforms/apps/services will be uninterrupted, or free of errors, viruses or other harmful components and do not warrant that any of the foregoing will be corrected. BP Pay and its licensors, and partners do not warrant or make any representations regarding the use or the results of the use of the BP Pay Services/BP Pay Platform or any reference sites/platforms/apps/services in terms of correctness, accuracy, reliability, or otherwise. You understand and agree that You use, access, download, or otherwise obtain information, materials, or data through the BP Pay Services/BP Pay Platform or any reference sites/platforms/apps/services at Your own discretion and risk and that You will be solely responsible for any damage to Your property (including Your computer system and mobile device or any other equipment) or loss of data that results from the download or use of such material or data. We do not authorize anyone to make any warranty on our behalf and you should not rely on any such statement. This paragraph shall survive termination of this Agreement. In no event will BP Pay be liable for any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the BP Pay Platform.

The BP Pay Services and the BP Pay Platform are owned and operated by BP Pay. The visual interfaces, graphics, design, compilation, information, computer code (including source code and object code), products, software, services, and all other elements of the BP Pay Services and the BP Pay Platform provided by BP Pay (hereafter Materials) are protected by Myanmar copyright, trade dress, patent, and trademark laws, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. As between You and BP Pay, all Materials, trademarks, service marks, and trade names contained on the BP Pay Platform are the property of BP Pay. You agree not to remove, obscure, or alter BP Pay or any third party’s copyright, patent, trademark, or other proprietary rights notices affixed to or contained within or accessed in conjunction with or through the BP Pay Services/BP Pay Platform. Except as expressly authorized by BP Pay, You agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the Materials. BP Pay reserves all rights not expressly granted in this Agreement. If you have comments regarding the BP Pay Services and/or the BP Pay Platform or ideas on how to improve it, please contact customer service. Please note that by doing so, you hereby irrevocably assign to BP Pay, and shall assign to BP Pay, all rights, title and interests in and to all ideas and suggestions and any and all worldwide intellectual property rights associated therewith. You agree to perform such acts and execute such documents as may be reasonably necessary to perfect the foregoing rights.

BP Pay reserves the right to change, modify, add, or remove portions of this Agreement (each, a change and collectively, changes) at any time by posting notification on the BP Pay Platform or otherwise communicating the notification to you. The changes will become effective, and shall be deemed accepted by you, 24 hours after the initial posting and shall apply immediately on a going-forward basis with respect to your use of the BP Pay Platform, availing the BP Pay Services or for payment transactions initiated after the posting date. If you do not agree with any such change, your sole and exclusive remedy is to terminate your use of the BP Pay Services/BP Pay Platform. For certain changes, BP Pay may be required under applicable law to give you advance notice, and BP Pay will comply with such requirements. Your continued use of the BP Pay Platform following the posting of changes will mean that you accept and agree to the changes.

BP Pay may provide you with notices and communications by e-mail, SMS, push notifications, regular mail or postings on the BP Pay Platform or by any other reasonable means. Except as otherwise set forth herein, notice to BP Pay must be sent by courier or registered mail to Blue Planet.

The failure of BP Pay to exercise or enforce any right or provision of this Agreement will not constitute a waiver of such right or provision. Any waiver of any provision of this Agreement will be effective only if in writing and signed by BP Pay.

If any dispute, controversy or claim arises under this Agreement or in relation to any BP Pay Service or the BP Pay Platform, including any question regarding the existence, validity or termination of this Agreement or T&Cs (hereinafter Dispute), the parties shall use all reasonable endeavors to resolve such Dispute amicably. If the parties are unable to resolve the Dispute amicably within 30 days of the notice of such Dispute, BP Pay may elect to resolve any Dispute by a binding arbitration in accordance with the provisions of the Myanmar Arbitration & Conciliation Act, 1996 (hereinafter Act). Such Dispute shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The Dispute shall be resolved by a sole arbitrator, appointed in accordance with the Act. The seat of the arbitration shall be Yangon and the language of this arbitration shall be English. Either You or BP Pay may seek any interim or preliminary relief from a court of competent jurisdiction in Yangon necessary to protect the rights or the property belonging to you or BP Pay (or any of our agents, suppliers, and subcontractors), pending the completion of arbitration. Any arbitration shall be confidential, and neither you nor BP Pay may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcing the arbitration award. All administrative fees and expenses of arbitration will be divided equally between you and BP Pay. In all arbitrations, each party will bear the expense of its own lawyers and preparation. This paragraph shall survive termination of this Agreement.

Subject to the Dispute Resolution section above, you agree that any claim or dispute you may have against BP Pay must be resolved by a court having jurisdiction in Yangon, Myanmar. You agree to submit to the personal jurisdiction of the courts located within Yangon, Myanmar, for the purpose of litigating all such claims or disputes. This Agreement shall be governed by Myanmar law. This paragraph shall survive termination of this Agreement.

If any provision of this Agreement is held to be unlawful, void, invalid or otherwise unenforceable, then that provision will be limited or eliminated from this Agreement to the minimum extent required, and the remaining provisions will remain valid and enforceable.

Upon termination of this Agreement, any provision which, by its nature or express terms should survive, will survive such termination or expiration as applied to transfers and relationship prior to such termination or expiration.

The heading references herein are for convenience purposes only and they do not constitute a part of these T&Cs and will not be deemed to limit or affect any of the provisions hereof.

This Agreement is the entire agreement between You and BP Pay relating to the subject matter hereof and this Agreement will not be modified except by a change to this Agreement made by BP Pay in accordance with the terms of this Agreement.

Please read the following terms and conditions carefully before registering on, accessing, browsing, downloading or using the BP Pay website located at BP Pay.com, and all associated sites linked to BP Pay.com, or the BP Pay mobile application or any similar platform (hereinafter collectively, the BP Pay Platform) run by Blue Planet Communications Limited, having its registered office at No.148 Corner of Pyay Road and A-One Street, Mayangone Township, Yangon, Myanmar – (hereinafter collectively, Blue Planet or BP Pay) on any device and/or before availing any travel, recharge or bill payment or digital products related services offered by BP Pay on the BP Pay Platform (hereinafter, individually BP Pay Digital Service and collectively, the BP Pay Digital Services).

The BP Pay Digital Services are not available to persons under the age of 16 or to anyone previously suspended or removed by BP Pay from availing the BP Pay Digital Services or accessing the BP Pay Platform. By accepting the T&Cs or by otherwise using the BP Pay Digital Services on the BP Pay Platform, You represent that You are at least 16 years of age and have not been previously suspended or removed by BP Pay, or disqualified for any other reason, from availing the BP Pay Bill Payment and Digital Goods Services or using the BP Pay Platform. In addition, you represent and warrant that you have the right, authority and capacity to enter into this Agreement and to abide by all the T&Cs as part of this Agreement. Finally, you shall not impersonate any person or entity, or falsely state or otherwise misrepresent your identity, age or affiliation with any person or entity. Finally, in the event of any violation of the T&Cs, BP Pay reserves the right to suspend or permanently prevent you from availing BP Pay Digital Services or using the BP Pay Platform.

BP Pay facilitates the payment of certain bills through the BP Pay Platform with respect to certain services offered by BP Pay business partners who have partnered with BP Pay to enable their bills to be paid through the BP Pay Platform. Please see the relevant links on the BP Pay Platform for more information on BP Pay’s bill payment service. Further, BP Pay also offers certain digital products which facilitate the purchase of prepaid recharges for mobile, DTH, toll and data card as well as purchase of movie tickets, bus tickets, hotel reservations, flight tickets and purchase of tickets to amusement or theme parks, etc. Other digital products available on the BP Pay Platform also include coupon redemption services. The terms and conditions in relation to bill payments and digital products are set out below. The terms and conditions in relation to bill payments and digital products set out below are applicable to and binding on you in conjunction with the SSOID terms and conditions already accepted by you. Each SSOID term or condition is applicable to and binding on you, or any of your activities on the BP Pay Platform, even if such term or condition is not specifically reproduced herein below. The terms ‘Agreement’ or ‘T&Cs’ mentioned herein below includes the terms and conditions in relation to bill payments and digital products set out below and the SSOID terms and conditions as well as other service-specific terms and conditions in relation to BP Pay Services or BP Pay Platform.

BP Pay is only a reseller of digital products. BP Pay does not provide mobile operator services and is only a reseller of prepaid mobile recharge services which are ultimately provided by telecommunications service providers (hereafter Telco or Telcos) or by other distributors or aggregators of such Telcos. BP Pay is not a warrantor, insurer, or guarantor of the services to be provided by the Telcos. Prepaid mobile recharge sold by BP Pay to you is sold without recourse against BP Pay for any breach of contract by the Telcos. Any disputes regarding the quality, minutes provided, cost, expiration, or other terms of the mobile prepaid recharge purchased must be handled directly between You (or the recipient of the recharge) and the Telco. The terms and conditions set out in this section are applicable, mutatis mutandis, to other prepaid recharge products available on the BP Pay Platform including prepaid recharges in relation to DTH, data card and toll tags as well as to other prepaid recharge products that may be offered on the BP Pay Platform. BP Pay will not be responsible for any failure on the part of any of its recharge partners in effecting a recharge.

All sales of prepaid recharge on the BP Pay Platform are final with no refund or exchange permitted. You are responsible for the mobile number for which you purchase the prepaid recharge and all charges that result from those purchases. You are also responsible for the information relating to data card and toll-tag recharge and all charges that result from those purchases. BP Pay is not responsible for any purchase of prepaid recharge for an incorrect mobile number or incorrect toll or data card information. However, if in a transaction performed by You on the BP Pay Platform, money has been charged to Your card or bank account and a recharge is not delivered within 24 hours of the completion of the transaction, then You shall inform us by sending an e mail to our customer services e mail address mentioned on the ‘Contact Us’ page on the BP Pay Platform. Please include in the e-mail the following details – the mobile number, operator name, recharge value, transaction date and order number. BP Pay will investigate the incident and, if it is found that money was indeed charged to your card or bank account without delivery of the recharge, then you will be refunded the money within 21 working days from the date of receipt of your e mail. All refunds will be credited to your semi- closed wallet. You can trigger a request in Your BP Pay wallet to transfer the money from Your BP Pay wallet back to source. It will take 3-21 working days for the money to show in your bank account depending on your bank’s policy.

In order to use the bill payments service or any other BP Pay Service, You will need to obtain access to the World Wide Web or the Internet, either on a computer or on any other device that can access web-based content, and You will also need to pay any service fees associated with such access. In addition, you must have all equipment necessary to make such connection to the World Wide Web or the Internet, including a computer and a modem or any other set of access devices. BP Pay and/or the BP Pay business partner (including BP Pay’s bill payment partners) reserve the right to charge and recover from you, such fees for availing the service as the case may be. These charges shall be effective from the time when they are posted on the BP Pay Platform or on the BP Pay business partner’s channel/portal/website through which you are availing the specific service. You are bound by such revisions and should therefore visit the BP Pay Platform or check with the BP Pay business partner’s channel/portal/website through which you are availing the specific service in order to review the applicable fees which may vary from time to time. In the event that you stop or seek a reversal of the payment instructions as may have been submitted, BP Pay shall be entitled to charge and recover from you and you shall be liable to pay such charges to the bill payment service provider as may be decided by BP Pay. These charges shall be charged on to your designated payment account or in any other manner as may be decided by BP Pay. BP Pay offers a convenient and secure way to make payments towards identified biller(s) using a valid payment account. Depending upon the BP Pay business partner through whom the specific service is availed by You (i) the specific features of the service may differ; (ii) the number of billers available over the service may differ; (iii) the type and range of payment accounts that can be used to issue a payment instructions may differ; (iv) the modes/devices over which the service can be accessed may differ; and (v) the charges, fees for availing the service or any aspect of the service may differ. Specific details related to these aspects would be available with the BP Pay business partner on their channel/portal/website over which the service is being availed. From time to time, BP Pay, at its sole discretion, can add to or delete from such list of billers or types of payment accounts that can be used in respect of making payments to a biller. The type and range of payment accounts that can be used for making payments may differ for each biller depending on biller specifications. There may be additional fees/charge when using certain types of payment accounts in respect of a biller. The terms upon which a payment can be made to a biller can differ depending on whether a card or a bank account is used to issue the payment instruction. Further, depending on the specific facilities allowed by a BP Pay business partner, payments to a biller can be made either (a) by issuing a payment instruction for an online debit/charge to a payment account or (b) by scheduling an automated debit to a payment account. In using the bill payment service, you agree to:

• provide true, accurate, current and complete information about Yourself (“Registration Data”), Your payment account details (“Payment Data”), Your biller details (“Biller Data”); and
• Maintain and promptly update the Registration Data, Payment Data and Biller Data to keep it true, accurate, current and complete at all times. If You provide any information that is untrue, inaccurate, not current or incomplete, or BP Pay has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, BP Pay has the right to suspend or terminate Your account and refuse any and all current or future use of the BP Pay Services/BP Pay Platform (or any portion thereof). The term biller includes telecom operators. BP Pay assumes no responsibility and shall incur no liability if it is unable to affect any payment instruction(s) on the payment date owing to any one or more of the following circumstances:
• If the payment instruction(s) issued by You is/are incomplete, inaccurate, invalid and delayed;
• If Your bank or the National Clearing Centre refuses or delays honoring the payment instruction(s);
• If payment is not processed by biller upon receipt;
• Circumstances beyond the control of BP Pay (including, but not limited to, fire, flood, natural disasters, bank strikes, power failure, systems failure like computer or telephone lines breakdown due to an unforeseeable cause or interference from an outside force). In case the bill payment is not effected for any reason, you will be intimated about the failed payment by an e-mail. Once a User has accepted these Terms and Conditions, he/ she may register and avail the Services. In these Terms and Conditions, the term “Charge Back” shall mean, approved and settled credit card or net banking purchase transaction(s) which are at any time refused, debited or charged back to merchant account (and shall also include similar debits to Payment Service Provider's accounts, if any) by the acquiring bank or credit card company for any reason whatsoever, together with the bank fees, penalties and other charges incidental thereto. Server Slow Down/Session Timeout: In case the Website or Payment Service Provider’s webpage, that is linked to the Website, is experiencing any server related issues like ‘slow down’ or ‘failure’ or ‘session timeout’, the User shall, before initiating the second payment,, check whether his/her Bank Account has been debited or not and accordingly resort to one of the following options: **In case the Bank Account appears to be debited, ensure that he/ she does not make the payment twice and immediately thereafter contact the Institute via e-mail or any other mode of contact as provided by the Institute to confirm payment. **In case the Bank Account is not debited, the User may initiate a fresh transaction to make payment. **However, the User agrees that under no circumstances the Payment Gateway Service Provider shall be held responsible for such fraudulent/duplicate transactions and hence no claims should be raised to Payment Gateway Service Provider No communication received by the Payment Service Provider(s) in this regards shall be entertained by the Payment Service Provider(s). The User agrees, understands and confirms that his/ her personal data including without limitation details relating to debit card/ credit card transmitted over the Internet may be susceptible to misuse, hacking, theft and/ or fraud and that the Institute or the Payment Service Provider(s) have no control over such matters. The User will be required to login his/ her own User ID and Password, given by the Institute in order to register and/ or use the Services provided by Institute on the Website. By accepting these Terms and Conditions the User aggress that his/ her User ID and Password are very important pieces of information and it shall be the User’s own responsibility to keep them secure and confidential. The User agrees that the debit/credit card details provided by him/ her for use of the aforesaid Service(s) must be correct and accurate and that the User shall not use a debit/ credit card, that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The User further agrees and undertakes to provide correct and valid debit/credit card details. The User may pay his/ her fees to the Institute by using a debit/credit card or through online banking account. The User warrants, agrees and confirms that when he/ she initiates a payment transaction and/or issues an online payment instruction and provides his/ her card / bank details. The User may need to pay One Time Setup Fee (OTC) and all payment fee shall be made in advance before the whole Technical Integration and Operation Procedures are started. Cash transfer process will take minimum one week and within office day. If customer choose Visa/Master Card Payment and it can be late for minimum one week duration due to communication with Visa/Master Team. Once the User will be registered and paid the Fee through online Payment Gateway. He/She will not be able to cancel the transaction in any circumstances. No Payment will be refunded to the User. In the event there is any claim for/ of charge back by the User for any reason whatsoever, such User shall immediately approach the Institute with his/ her claim details and claim refund from the Institute alone. Such refund (if any) shall be effected only by the Institute via payment gateway or any other means as the Institute deems appropriate. No claims for refund/ charge back shall be made by any User to the Payment Service Provider(s) and in the event such claim is made it shall not be entertained. The User shall directly contact the Institute for any fraudulent transaction(s) on account of misuse of Card/ Bank details by a fraudulent individual/party and such issues shall be suitably addressed by the Institute alone in line with their policies and rules.