1. Introduction
• Overview of Terms: These Terms and Conditions (“Terms”) govern your access to and use of the website gyftcard.online (“Site”) and all services provided by POSTMAC VENTURES PVT LTD (“Post Money,” “we,” “us,” or “our”). By accessing or using our Site and services, you agree to comply with and be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.
• Purpose of Terms: This document aims to clarify your rights and obligations when using our services, ensuring a clear understanding of your relationship with Post Money.

2. Definitions
• “User”: Refers to any individual, business, or entity that accesses or uses our Site or services. This includes customers, visitors, and anyone who interacts with our platform.
• “Services”: Encompasses all financial products, tools, and services offered by Post Money, including but not limited to cash flow management, financing solutions, and payment processing.

3. Eligibility
• Age Requirement: You must be at least 18 years old to use our services. By using our services, you represent and warrant that you are of legal age and have the capacity to enter into a binding contract.
• Business Authorization: If you are using our services on behalf of a business entity, you represent that you have the authority to bind that business to these Terms, and all references to “you” shall include that business.

4. Account Registration
• Account Creation: In order to access certain services, you may be required to create an account. During the registration process, you agree to provide accurate, current, and complete information about yourself and to update such information as necessary to keep it accurate, current, and complete.
• Account Security: You are responsible for maintaining the confidentiality of your account credentials, including your password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. Post Money will not be liable for any loss or damage arising from your failure to comply with these security obligations.

5. User Responsibilities
• Compliance with Laws: You agree to use our services only for lawful purposes and in accordance with these Terms. You shall comply with all applicable laws, statutes, ordinances, and regulations regarding your use of our services.
• Prohibited Activities: You agree not to engage in any activities that could harm our Site, services, or other users. Prohibited activities include, but are not limited to, the following:
• Attempting to gain unauthorized access to our systems or networks.
• Engaging in any conduct that restricts or inhibits anyone’s use or enjoyment of our services.
• Transmitting any advertisements or promotional materials, including “junk mail,” “chain letters,” or other forms of solicitation.
• Impersonating any person or entity, or misrepresenting your affiliation with any person or entity.

6. Services Description
• Overview of Services: Post Money provides a range of financial products and services designed to assist businesses in managing their cash flow and meeting their financial needs. These services may include:

      • Early Settlement Systems

      • Invoice Tracking

      • Purchase Order Financing

      • Working Capital Solutions

    • Service Availability: While we strive to provide uninterrupted access to our services, we do not guarantee that our services will be available at all times. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

    7. Fees and Payment
    • Service Fees: Certain services may incur fees, which will be clearly stated before you engage in any transaction. By using our services, you agree to pay any applicable fees as outlined in our fee schedule.
    • Payment Terms: Payments must be made in accordance with the terms specified during the transaction process. You agree to provide accurate billing information and to promptly update any changes to such information.

    8. Refund and Cancellation Policy
    • Refunds: Refunds for any fees paid for our services will be processed in accordance with our refund policy. This policy will be communicated to you at the time of the transaction. • Cancellation Rights: Users may have the right to cancel services under specific conditions. The process for cancellation will be clearly defined within the service description or during the transaction process.

    9. Intellectual Property Rights
    • Ownership of Content: All content, trademarks, and intellectual property on our Site, including but not limited to text, graphics, logos, and software, are owned by Post Money or licensed to us. You acknowledge that these materials are protected by applicable intellectual property laws.
    • Restrictions on Use: You are prohibited from using any content from our Site for commercial purposes without our prior written consent. This includes copying, distributing, or reproducing any materials.

    10. User Content
    • User Contributions: If you submit or post any content on our Site, including reviews, comments, or feedback, you grant us a non-exclusive, royalty-free, perpetual, and worldwide license to use, modify, and publish that content for any purpose.
    • Content Responsibility: You are solely responsible for any content you submit. You agree not to submit any content that is defamatory, obscene, infringing, or violates any third-party rights.

    11. Third-Party Links
    • External Links: Our Site may contain links to third-party websites. These links are provided for your convenience and do not signify our endorsement of those sites. We have no control over the content of these external sites and are not responsible for their practices.

    • User Discretion: You access third-party sites at your own risk, and we recommend reviewing their terms and conditions and privacy policies before engaging with them.

    12. Limitation of Liability
    • Disclaimer of Liability: To the fullest extent permitted by law, Post Money shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our Site or services, even if we have been advised of the possibility of such damages.
    • Maximum Liability: Our total liability to you for any claims arising out of these Terms shall not exceed the total fees paid by you for the services in question.

    13. Indemnification
    • User Indemnification: You agree to indemnify, defend, and hold harmless Post Money, its affiliates, and employees from any claims, losses, or damages, including legal fees, arising from your use of our services or violation of these Terms.
    • Cooperation in Defense: We reserve the right to assume the exclusive defense of any matter for which you are required to indemnify us, and you agree to cooperate with us in that defense.

    14. Termination
    • Termination Rights: We reserve the right to suspend or terminate your account and access to our services at our sole discretion, without notice, if you violate these Terms or if we believe that your conduct poses a risk to the integrity of our services.
    • Effects of Termination: Upon termination, your right to use our services will immediately cease, and you will remain liable for any fees or obligations incurred prior to termination. We may also delete any content associated with your account.

    15. Dispute Resolution
    • Governing Law: These Terms shall be governed by and construed in accordance with the laws of Gurgaon District Court. You agree that any disputes arising from these Terms will be subject to the exclusive jurisdiction of the courts located in Gurgaon.
    • Arbitration Agreement: Any disputes arising out of or relating to these Terms or your use of our services shall be resolved through binding arbitration, in accordance with the rules of the Gurugram Arbitration Council (GAC- Ombudsman) and not in court. The arbitration will be conducted in Gurgaon, and you waive your right to a jury trial.

    16. Force Majeure
    • Non-Liability for Delays: Post Money shall not be liable for any failure to perform its obligations under these Terms due to circumstances beyond its reasonable control, including but not limited to acts of God, war, terrorism, labor disputes, or technical failures.
    • Notification of Force Majeure: In the event of such a delay, we will notify you as soon as possible and will work diligently to resume our services.

    17. Modification of Terms
    • Right to Change Terms: We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our Site. We will notify you of significant changes through appropriate means.
    • User Responsibility to Review Changes: It is your responsibility to review these Terms periodically for any updates or changes. Your continued use of our services after changes

    constitute your acceptance of the modified Terms.

    18. Privacy Policy
    • Integration with Privacy Policy: Your use of our services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using our services, you acknowledge that you have read and understood our Privacy Policy. • User Agreement to Privacy Practices: You consent to our collection and use of personal information as described in our Privacy Policy.

    19. No Waiver
    • No Waiver of Rights: Our failure to enforce any provision of these Terms shall not be deemed a waiver of that provision or any other provision of these Terms. Any waiver must be in writing and signed by an authorized representative of Post Money.
    • Continued Obligation: Any waiver of a breach of these Terms shall not be construed as a waiver of any subsequent breach or of any other provision in these Terms.

    20. Entire Agreement
    • Complete Understanding: These Terms constitute the entire agreement between you and Post Money regarding your use of our Site and services, superseding any prior agreements, understandings, or representations, whether written or oral.
    • Severability: If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

    21. Assignment
    • Right to Assign: Post Money may assign or transfer these Terms, in whole or in part, without notice to you. You may not assign or transfer these Terms or any of your rights or obligations under them without our prior written consent.
    • Binding Effect: These Terms shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

    22. Third-Party Beneficiaries
    • No Third-Party Beneficiaries: These Terms do not and are not intended to confer any rights or remedies upon any person other than you and Post Money.

    23. Communication
    • Electronic Communications: By using our services, you consent to receive electronic communications from us. We will communicate with you via email or by posting notices on our Site.
    • Notice Requirements: For any legal notices, you must contact us using the contact information provided in these Terms.

    24. User Feedback
    • Encouragement of Feedback: We encourage users to provide feedback, suggestions, or ideas regarding our services. By submitting feedback, you grant Post Money the right to use your feedback for any purpose without any compensation or acknowledgment.
    • No Obligation to Implement Feedback: While we appreciate your input, we are not obligated to implement any suggestions or changes based on your feedback.

    25. Security

    • Security Measures: We take reasonable measures to protect your information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

    • User Responsibility: You are responsible for safeguarding your account information and ensuring the confidentiality of your password.

    26. Compliance with Export Laws
    • Export Restrictions: You agree to comply with all applicable export control laws and regulations in your use of our services. You shall not export, re-export, or transfer any services or technology in violation of any applicable laws.

    27. Contact Information
    • Inquiries and Concerns: If you have any questions, concerns, or complaints about these Terms or our services, please contact us at:
    — Legal Name: POSTMAC VENTURES PVT LTD
    — Address: 3rd Floor, Orchid Centre, Rapid Metro Station, near IILM Institute, next to Sector 54, Sector 53, Gurugram, Haryana 122022
    — Email: connect@gyftcard.online

      28. No Responsibility for User Content
      • User-Generated Content: Post Money does not control or endorse any content posted by users. We are not responsible for any user-generated content and disclaim any liability for such content.
      • Right to Monitor: We reserve the right to monitor, review, and remove any user-generated content that violates these Terms or is otherwise objectionable.

      29. Data Protection
      • Commitment to Data Privacy: Post Money is committed to protecting your personal information in accordance with applicable data protection laws. Our Privacy Policy outlines how we collect, use, and protect your data.
      • User Rights: Depending on your jurisdiction, you may have certain rights regarding your personal data, including the right to access, rectify, or erase your information.

      30. Changes to Services
      • Right to Modify Services: We reserve the right to modify or discontinue any services, in whole or in part, at any time without prior notice. This includes changing features, pricing, and availability of our services.
      • No Liability for Changes: We are not liable for any damages resulting from changes to our services, including the discontinuation of any service or feature.

      31. Service Interruptions
      • Acknowledgment of Potential Interruptions: You acknowledge that our services may be subject to interruptions for various reasons, including maintenance, upgrades, or technical issues. While we strive to minimize disruptions, we cannot guarantee uninterrupted access.
      • Notification of Scheduled Maintenance: Whenever possible, we will provide notice of scheduled maintenance or service interruptions to minimize the impact on users.

      32. Advertising and Promotions
      • Promotional Communications: By providing your contact information, you agree to receive promotional materials from Post Money. You can opt out of these communications at any time by following the unsubscribe instructions included in the emails.
      • Third-Party Advertising: Our Site may feature third-party advertisements or promotional content. We do not endorse the products or services offered by third parties, and we are not responsible for the accuracy of such advertisements.

      33. Cookies and Tracking Technologies
      • Use of Cookies: Our Site uses cookies and similar tracking technologies to enhance user experience, analyze website performance, and deliver personalized content. By using our Site, you consent to our use of cookies.
      • Managing Cookie Preferences: You can control cookie preferences through your browser settings. However, disabling cookies may limit your ability to access certain features of our Site.

      34. Electronic Signatures
      • Legal Validity of Electronic Signatures: You agree that any electronic signature or consent provided in connection with our services shall have the same legal effect as a handwritten signature.
      • Acknowledgment of Electronic Transactions: You acknowledge that you are entering into a legally binding agreement through electronic transactions.

      35. Community Guidelines
      • User Conduct Expectations: We strive to maintain a respectful and positive environment on our Site. You agree to engage with other users in a manner that is respectful and constructive. Harassment, hate speech, or any abusive behavior is strictly prohibited.
      • Reporting Violations: If you encounter content that violates these guidelines, please report it to us using the contact information provided in these Terms.

      36. No Partnership or Agency
      • Independent Relationship: Nothing in these Terms shall be construed as creating a partnership, joint venture, or agency relationship between you and Post Money. You agree that no agency, partnership, or employment relationship exists between you and Post Money.
      • No Authority to Bind: Neither party has the authority to bind the other in any respect without prior written consent.

      37. Feedback and Reviews
      • Encouragement of User Feedback: We value user feedback and encourage you to share your thoughts and experiences with our services. Your feedback helps us improve and tailor our offerings.
      • Ownership of Feedback: By submitting feedback or reviews, you grant Post Money the right to use your feedback for marketing and promotional purposes without any compensation to you.

      38. Children’s Privacy

      • Policy on Children: Our services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children. If we become aware of any such information, we will take steps to delete it from our records.
      • Parental Consent Required: If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

      39. Changes to Terms and Conditions
      • Right to Modify Terms: We reserve the right to amend these Terms at any time. Significant changes will be communicated to users via email or notifications on our Site.
      • Responsibility to Review Changes: It is your responsibility to review these Terms periodically for any updates or changes. Your continued use of our services after changes constitute your acceptance of the modified Terms.

      40. Final Provisions
      • Non-Transferability: These Terms and any rights granted hereunder may not be transferred or assigned by you without our prior written consent. We may assign these Terms or any rights or obligations under them without restriction.
      • Contact Information for Inquiries: If you have any questions or concerns regarding these Terms, please reach out to us at:
      Legal Name:  POSTMAC VENTURES PVT LTD
      Address: 3rd Floor, Orchid Centre, Rapid Metro Station, near IILM Institute, next to Sector 54, Sector 53, Gurugram, Haryana 122022
      Email: connect@gyftcard.online