Terms & Conditions

Welcome to Payos.in ("Website", "Platform", "Payos", "we", "our", or "us"), owned and operated by Payosphere Technologies Private Limited.

By accessing or using Payos.in, you agree to comply with and be bound by these Terms & Conditions. If you do not agree with these Terms, please do not use our website or services.

1. Company Information

Company Name: Payosphere Technologies Private Limited

Registered Office:

Unit No. 1408, 14th Floor,
Vishwa Plan S Business Park,
Nerul East, Navi Mumbai – 400706, Maharashtra, India.

Website: https://payos.in

Customer Support: +91 83695 22990

Email: payospheretech1010@gmail.com

2. Eligibility

You must be at least 18 years of age to use our services.

By using this website, you represent that:

• You are legally capable of entering into a binding agreement.
• All information provided by you is accurate and complete.
• You will use the website only for lawful purposes.

3. Services

Payos.in provides astrology-related services, including but not limited to:

• Daily Horoscope
• Kundli Generation
• Birth Chart Analysis
• Panchang
• Numerology
• Astrology Reports
• Compatibility Reports
• Zodiac Information
• Festival & Muhurat Information
• Other astrology-related digital services

We reserve the right to modify, suspend, or discontinue any service without prior notice.

4. User Responsibilities

You agree that you will:

• Provide accurate information while using our services.
• Keep your login credentials confidential.
• Not misuse or interfere with the website.
• Not upload malicious software, viruses, or harmful content.
• Not attempt unauthorized access to our systems.
• Not use the website for unlawful or fraudulent activities.

5. Astrology Disclaimer

Astrology is based on traditional beliefs, calculations, and interpretations.

All horoscopes, Kundli reports, numerology reports, compatibility reports, predictions, remedies, and related content available on Payos.in are provided for informational, educational, spiritual, and entertainment purposes only.

Payosphere Technologies Private Limited does not guarantee the accuracy, completeness, or outcome of any prediction.

Users should not rely solely on astrology when making medical, legal, financial, investment, employment, business, marriage, or other important life decisions.

Any decisions made based on astrology reports are entirely at the user's own discretion and risk.

6. Payments

Certain services on Payos.in may require payment.

By purchasing any paid service, you agree that:

• Prices are displayed in Indian Rupees (INR), unless otherwise specified.
• Payments are processed through authorized third-party payment gateways.
• You are responsible for providing valid payment information.
• We reserve the right to refuse or cancel any order if fraudulent activity is suspected.

7. Refund Policy

Due to the digital nature of astrology reports and services, payments are generally non-refundable once the report has been generated, delivered, or the service has commenced.

Refunds, if applicable, will be governed by our Refund Policy and applicable laws.

8. Intellectual Property

All content available on Payos.in, including but not limited to:

• Logos
• Design
• Graphics
• Text
• Software
• Horoscope Content
• Kundli Reports
• Images
• Icons
• Videos
• Source Code

is the exclusive property of Payosphere Technologies Private Limited or its licensors and is protected by applicable intellectual property laws.

No content may be copied, reproduced, distributed, or modified without prior written permission.

9. User Content

If you submit reviews, feedback, comments, or suggestions, you grant us a non-exclusive, royalty-free, worldwide license to use, reproduce, publish, and display such content for improving our services.

You remain responsible for any content submitted by you.

10. Privacy

Your use of Payos.in is also governed by our Privacy Policy.

Please review our Privacy Policy to understand how we collect and process your personal information.

11. Third-Party Services

Our website may contain links to third-party websites, payment gateways, advertisements, or external services.

We do not control and are not responsible for the content, policies, or practices of such third-party websites.

12. Limitation of Liability

To the maximum extent permitted by law, Payosphere Technologies Private Limited shall not be liable for:

• Any indirect, incidental, or consequential damages.
• Financial losses.
• Loss of business or profits.
• Emotional distress.
• Decisions taken based on astrology reports.
• Website interruptions or temporary unavailability.
• Errors caused by third-party services.

Your use of the website is entirely at your own risk.

13. Indemnification

You agree to indemnify and hold harmless Payosphere Technologies Private Limited, its directors, employees, affiliates, and partners from any claims, damages, liabilities, costs, or expenses arising out of:

• Your misuse of the website.
• Violation of these Terms.
• Violation of any applicable law.
• Infringement of any third-party rights.

14. Suspension or Termination

We reserve the right to suspend, restrict, or terminate your access to the website without prior notice if:

• You violate these Terms.
• Fraudulent activity is detected.
• Required by law.
• Website security is compromised.

15. Force Majeure

We shall not be responsible for any delay or failure in performance caused by events beyond our reasonable control, including natural disasters, internet outages, government actions, cyber-attacks, strikes, or other unforeseen circumstances.

16. Changes to Terms

We reserve the right to update or modify these Terms & Conditions at any time.

Changes become effective immediately upon publication on this page. Continued use of the website constitutes acceptance of the revised Terms.

17. Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of India.

Any disputes arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the competent courts located in Navi Mumbai, Maharashtra, India.

18. Contact Information

For any questions regarding these Terms & Conditions, please contact:

Payosphere Technologies Private Limited

Registered Office:
Unit No. 1408, 14th Floor,
Vishwa Plan S Business Park,
Nerul East, Navi Mumbai – 400706, Maharashtra, India.

Website: https://payos.in

Customer Support: +91 83695 22990

Email: payospheretech1010@gmail.com