DISCLAIMER

Effective Date: June 2026

1. General Disclaimer

This Disclaimer governs the use of all websites, mobile applications, APIs, software platforms, products, services, content, and technologies operated by MTM Payment Services Private Limited (“MTMPay”, “Company”, “we”, “our”, or “us”).

By accessing or using any MTMPay website, application, platform, API, dashboard, service, or related offering, you acknowledge and agree to the terms of this Disclaimer.

If you do not agree with this Disclaimer, you should discontinue use of MTMPay services immediately.

2. Informational Purposes Only

All information provided through MTMPay websites, mobile applications, dashboards, APIs, documentation, marketing materials, support channels, communications, blogs, and knowledge resources is provided solely for general informational purposes.

While MTMPay makes reasonable efforts to ensure information accuracy, completeness, and timeliness, we do not guarantee that all information is accurate, complete, current, error-free, or suitable for any specific purpose.

Users should independently verify all information before relying upon it.

3. No Financial, Legal, Tax, Investment, or Professional Advice

Nothing contained within MTMPay services, websites, applications, APIs, documents, communications, or support materials constitutes:

• Financial Advice

• Investment Advice

• Tax Advice

• Legal Advice

• Accounting Advice

• Regulatory Advice

• Business Advice

• Professional Advice

Users should consult qualified professionals before making financial, legal, tax, investment, regulatory, or business decisions.

4. Technology Platform Disclaimer

MTMPay operates as a technology-enabled financial services and infrastructure platform.

Many services available through MTMPay depend upon third-party providers including:

• Banks

• Payment Aggregators

• Payment Gateways

• BBPS Participants

• NPCI Ecosystem Participants

• Verification Providers

• KYC Providers

• Government Databases

• Communication Providers

• Cloud Service Providers

• Technology Partners

• Other Service Providers

MTMPay does not control and cannot guarantee the performance, availability, accuracy, actions, or decisions of such third parties.

5. Payment and Transaction Disclaimer

Transaction processing may be affected by:

• Banking Network Outages

• NPCI Network Issues

• BBPS Downtime

• Regulatory Restrictions

• Compliance Reviews

• Technical Failures

• Connectivity Issues

• Security Checks

• Third-Party Service Interruptions

MTMPay does not guarantee that every transaction will be successfully processed, completed, settled, credited, or delivered within any specific timeframe.

Users are solely responsible for reviewing and verifying transaction details before initiating any transaction.

6. Recharge, Bill Payment, Voucher and Digital Product Disclaimer

Recharge, bill payment, gift card, voucher, and digital product services are subject to:

• Issuer Terms

• Operator Policies

• Biller Policies

• Product Restrictions

• Validity Conditions

• Partner Requirements

• Regulatory Requirements

MTMPay shall not be responsible for delays, restrictions, suspensions, denials, limitations, or actions imposed by operators, billers, issuers, merchants, service providers, or third-party partners.

7. KYC and Verification Disclaimer

Verification services including:

• PAN Verification

• Aadhaar Verification

• CKYC Verification

• Identity Verification

• Merchant Verification

• Business Verification

• Background Verification

• Other Verification Services

depend upon information obtained from users, authorized agencies, government systems, third-party providers, and external databases.

MTMPay does not guarantee the accuracy, completeness, authenticity, validity, or continued availability of such information.

Verification results should not be considered conclusive evidence for legal, regulatory, employment, financial, commercial, or business decisions.

8. API, SDK and Integration Disclaimer

MTMPay may provide:

• APIs

• SDKs

• Plugins

• Integration Services

• White Label Solutions

• Developer Tools

• Technical Documentation

• Financial Infrastructure Services

MTMPay does not guarantee:

• Continuous Availability

• Error-Free Operation

• Compatibility with All Systems

• Uninterrupted Service

• Absence of Technical Issues

Users are responsible for implementing appropriate testing, security, monitoring, backup, and compliance controls.

9. Third-Party Links Disclaimer

MTMPay websites and applications may contain links to third-party websites, products, services, applications, or resources.

MTMPay does not endorse, control, guarantee, or accept responsibility for such third-party resources.

Access to third-party services is entirely at the user’s own risk.

10. Service Availability Disclaimer

Services may be modified, restricted, suspended, interrupted, or discontinued at any time due to:

• Maintenance Activities

• Security Incidents

• Regulatory Requirements

• Banking Partner Requirements

• Risk Management Decisions

• Technical Issues

• Force Majeure Events

MTMPay makes no guarantee regarding uninterrupted availability of any service.

11. Digital Financial Products Disclaimer

MTMPay may introduce additional:

• Financial Products

• Payment Services

• Banking Services

• Verification Services

• Technology Services

• APIs

• SDKs

• Merchant Services

• Enterprise Services

• Digital Products

• Value-Added Services

in the future.

Unless otherwise expressly stated, all such products and services shall be governed by this Disclaimer and other applicable MTMPay policies.

12. Security Disclaimer

MTMPay implements commercially reasonable administrative, technical, and organizational safeguards designed to protect information and systems.

However, no platform, application, website, network, API, communication channel, or electronic transmission can be guaranteed to be completely secure.

Users acknowledge and accept the inherent risks associated with internet-based services and digital transactions.

13. No Warranty Disclaimer

All MTMPay services are provided on an “AS IS” and “AS AVAILABLE” basis.

MTMPay makes no representations, warranties, guarantees, or conditions, whether express, implied, statutory, or otherwise, regarding:

• Availability

• Reliability

• Accuracy

• Performance

• Merchantability

• Fitness for a Particular Purpose

• Non-Infringement

• Compatibility

to the maximum extent permitted by applicable law.

14. Limitation of Liability

To the maximum extent permitted by applicable law, MTMPay, its directors, officers, employees, affiliates, partners, licensors, agents, and service providers shall not be liable for:

• Direct Losses

• Indirect Losses

• Consequential Damages

• Special Damages

• Punitive Damages

• Loss of Revenue

• Loss of Profits

• Loss of Goodwill

• Business Interruption

• Data Loss

• Service Interruptions

regardless of the legal theory upon which a claim is based.

15. External Events and Force Majeure

MTMPay shall not be liable for delays, interruptions, failures, or losses caused by events beyond its reasonable control, including:

• Natural Disasters

• Floods

• Fires

• Earthquakes

• Epidemics

• Pandemics

• Government Actions

• Court Orders

• Regulatory Directives

• Internet Failures

• Telecom Failures

• Power Outages

• Cyberattacks

• Banking Infrastructure Failures

• Labor Disputes

• Other Force Majeure Events

16. Regulatory Compliance Disclaimer

Certain MTMPay services may be subject to:

• RBI Regulations

• NPCI Guidelines

• AML Requirements

• KYC Requirements

• Government Regulations

• Banking Partner Policies

• Regulatory Directives

MTMPay reserves the right to modify, suspend, restrict, discontinue, or impose additional requirements on any service to comply with such obligations.

17. Changes to this Disclaimer

MTMPay reserves the right to modify or update this Disclaimer at any time without prior notice.

Updated versions will be published on this page together with the revised effective date.

Continued use of MTMPay services after publication of changes constitutes acceptance of the revised Disclaimer.

18. Contact Information

MTM Payment Services Private Limited

Website: https://mtmpay.in

Support Email: support@mtmpay.in

General Email: info@mtmpay.in

Grievance Officer: info@mtmpay.in

Privacy Policy:
https://mtmpay.in/privacy-policy/

Terms of Use:
https://mtmpay.in/term-of-use/

Account Deletion Policy:
https://mtmpay.in/account-deletion/

Registered Office:

51/1952, Ekta Campus,
Ashwani Nagar, Sunder Nagar,
Raipur, Chhattisgarh – 492001, India

Phone: 0771-2293000

Customer Support: 022-69646426