These terms and conditions ("Terms", "Agreement") are an agreement between Payly.in ("Website Operator", "us", "we" or "our") and you ("User", "You" or "Your"). This Agreement sets forth the general terms and conditions of your use of the Payly.in website and any of its products or services (collectively, "Website" or "Service" ).

1. Definitions
Payly.in is an online platform for exchanging e-currencies of various payment systems and digital assets, offering its services through a unique software interface or telegram bot for all users.

Service - Exchange, sale and purchase of digital assets, electronic and fiat currencies. The provision of the Service carried out under the control of the administrator.
User - any individual/legal entities who accepts this Agreement and uses the services provided by Payly.in.

E-currency, digital asset – the obligation between the developer of a given currency / digital asset before its User, having a certain value and expressed digitally or another asset in a digital form.
The payment system - is a software product developed by a third party. It represents a mechanism for implementing the accounting of obligations and arranging settlements between users of the payment system.
Services of Payly.in – technical assistance in conducting transactions, sale and (or) exchange of e-currencies/digital assets, including other services and information posted on this Website.

Payment – transfer of e-currency/digital assets or fiat funds using technical mechanisms of the Website.
Application/order – an expression of Users intention to use Website services by completing an electronic form, and agreeing on described and specified terms.
Partner – a person/legal entity who is providing services to the Payly.in to attract Users, with the terms described in this Agreement.
Account Verification - is the verification of the card or account ownership to its owner.
The exchange rate - is the ratio of the two currencies/digital assets/fund when exchanging them.

2. General Provisions
2.1. This Agreement regulates the relationship between the User and the Payly.in regarding the services provided to the User.
2.2. This Agreement does not override the applicable laws of the countries of registration and the location where the Website and the User operate, as well as the contractual relationship between the User and the payment system(s).
In case User is unable to use Payly.in services under the terms of the current legislation or other arrangements, the use of these services by the User is prohibited by these terms and will not be recognized.
2.3. We ensure the confidentiality of information about the User and its operations. The Service may provide this information only upon the request of authorized state bodies, officials or representatives of payment systems, provided there are reasonable grounds for doing so.
2.4. The User shall use the Service and pay for its services following the terms of this Agreement.

3. The subject of the Agreement
3.1. The subject of this Agreement is the provision of services by facilitating the sale and exchange of electronic currencies, digital assets and fiat funds, as well as other services described on the Website.
3.2. The Website offers services to all Users and does not verify the legitimacy and legality of the User's possession of electronic currencies, digital assets and (or) financial resources, therefore, does not supervise the User's operations in any of the payment systems.
3.3. Exclusively, payment systems and (or) financial institutions shall be solely responsible for the funds entrusted to them by the User. Payly.in is not a party to the Agreement between the payment system(s) and (or) the Financial Institution and the User and in no way is responsible for incorrect or improper use of the payment system's features by the User, or the abuse of the payment system functionality by the User. The mutual rights and obligations of the User and the payment system and (or) Financial Institution are regulated by their respective agreements without Payly.in participation.
3.4. Any completed transaction for the sale or exchange of electronic currencies, digital assets, or any other operation offered by the Website to the User, shall be deemed impossible to cancel or rectify. The operation cannot be cancelled or corrected by the User after it is completed.
3.5. We reserve the right to suspend or cancel application(s) if information about the User's improper possession of electronic currencies, digital assets or financial means and (or) other related information is making it impossible for Us to provide services to the User.
3.6. We reserve the right to suspend or cancel an application(s) if the User violates the terms of this Agreement and further refuse to continue serving the User without disclosing the reason for the decision.
3.7. We reserve the right to cancel the current operation and return the electronic currencies, digital assets and (or) fiat funds contributed by the User without explaining the reasons.
3.8. The User undertakes to:
– exclude any possible involvement in any illegal trade and other unauthorized transactions using the services of the Payly.in;
– exclude any possible participation in the conduct of financial fraud. Do not use the Website to create and distribute financial pyramids (Ponzi schemes), as well as to commit other acts that are contrary to the laws and regulations;
– exclude any use of the services and activities that may be related to money laundering and (or) its legalization;
3.9. We undertake to take all possible and reasonable efforts to prevent attempts of illegal trade, financial fraud and money laundering through the use of Payly.in services. The specified actions shall include in particular:
– provide all possible assistance to law enforcement authorities in the trace and capture of fraudsters engaged in illegal and money laundering activities.
– improve the Website so that its services will not be used, directly or indirectly, in activities that are against the law to combat illegal trade, financial fraud and money laundering;
– Follow the AML and KYC policies.

4. Payly.in Services
4.1. The Website offers its services according to the schedule specified on this Website.
4.2. The User orders services by submitting a request through the Website (https://Payly.in).
4.3. Management of the purchase-sale or exchange process as well as obtaining information about the status of the Users order is done through an appropriate user interface located on the Website.
4.4. By using the Website services, User confirms that he/she lawfully owns and manages financial fiat funds, electronic currency, digital assets involved in the relevant payment.
4.5. Organized p2p Exchange Service between Electronic Currency Users, digital assets or fiat funds.
4.5.1. The User undertakes to transfer electronic or fiat currency, digital assets at the rate specified in the application. The Service to control transfer to the User, electronic or fiat currency corresponding to the application, the digital asset calculated at the rate and per the tariffs of the Service.
4.5.2. The amount of the Service rate is reflected in the application and is confirmed by the User on one of the user interface pages when the application is being filled.
4.5.3. The Service shall ensure the controls of the electronic or fiat currency, digital assets to the User when the electronic or fiat currency is debited from the transfer account to the relevant payment system, which is recorded in the transaction history of the corresponding payment system.

5. Additional terms of Payly.in Services
The exchange is a 100% safe and secure process.

The working hours is between 9:30 am to 9:00 pm everyday( excluding sunday ).During working hours the processing time is maximum 6hrs.

The exchange agency will not be responsible for the amount debited by your bank for tax and other services. You should pay the amount you wish to exchange including the tax your bank may hold.

We are not responsible for any losses caused due to any misuse of the agency by yourself.

Payly.in is the branch we have no other websites. We sell on these one site. Beware of other fraudulent and scammer websites on our names. We do not take responsibility on your loss of amount using similar sites which may use similar names with different domains such as (.in . edu .org etc)

6. Cost of services. Exchange rates.
6.1. Tariffs and rates are determined by the Service Administrator and published on the Website. The Service Administrator has the right to change the Service tariffs without further notifying User.
6.2. In addition to the established prices, the User also reimburses all additional costs for mailings and other charges, incurred in connection with the Service business relationship.

7. Taxation
7.1. Service is not a tax agent for the User and will not notify the User of its tax costs. The User undertakes independently pay all taxes required under the tax laws of his/her country of residence.
7.2. If the Service is required by law to pay taxes for the User or to cover debts arising from the User's refusal to pay taxes, the User agrees to reimburse the Service for any such payments.

8. Guarantees and responsibility of the parties
8.1. The Service provides its services on an "as is" basis as they are described on the Service website pages and do not offer any additional warranty.
8.2. The Service ensures control over the fulfilment of its obligations to the User only to the extent that the User entrusts the Service with the amount for a sale or exchange transaction.
8.3. The Service will do its best but does not guarantee that its services will be available 24 hours a day, seven days a week. The Service shall not be liable for any loss, loss of profits or other expenses incurred to the User as a result of the inability to connect to the Website and the Websites services.
8.4. The Service shall not be liable for any loss, unearned profits and other expenses incurred to the User as a result of delays, mistakes or failures in making bank payments or electronic transfers.
8.5. The Service shall not be liable for any loss, loss of profits or other expenses of the User, arising out of User's false expectations regarding the Service tariffs, exchange rates, the transactions profitability and other subjective factors.
8.6. The Service shall not be responsible or liable for any loss resulting from the inadequate exchange due to incorrectly specified details in processing the User's application by the User and shall not be obliged to compensate for any loss or take actions to refund such funds.
8.7. The User guarantees compensation for any loss to the Service in cases where the claim(s) are directly or indirectly related to the User's use of the Service.
8.8. The User guarantees that he/she is the owner or has legitimate reasons to dispose of the amounts used in his/her transactions.
8.9. The User undertakes not to mislead the communication flows associated with the Service operation.
8.10. The User acknowledges that the content of the Service's Website is protected by property rights, intellectual property and copyright laws. Unauthorized use of this content is illegal.
8.11. The User guarantees not to participate in any fraudulent schemes and have no claims to the Service in the event of a payment.
8.12. The User undertakes not to abuse referral and partner programs of the Service, neither systematically intentionally create unpaid applications.
8.13. When making a payment, the User must indicate the reference number in the payment form while making payment precisely as instructed. In the absence of reference, the Service reserves the right to initiate a refund procedure. In case of suspected fraudulent origin of the payment, a refund can be made through the payment system support service and may take up to 10 days.
8.14. The Service prohibits exchanges if three or more persons involved in the same transaction. Service is not responsible for the actions of these individuals after receiving funds from the exchange service. Only conduct transactions with wallets and accounts that you have full access to.
8.15. Payments from family member's or third party accounts/cards are not allowed.

9. Accounts and membership
9.1. You must be at least 18 years of age to use this Website. By using this Website and by agreeing to this Agreement, you guarantee and represent that you are at least 18 years of age.
9.2. If you create an account on the Website, you are responsible for maintaining the security of your account, and you are fully responsible for all activities that occur under the account and any other actions taken in connection with it.
9.3. We may, but have no obligation to, monitor and review new accounts before you may sign in and use our Services.
9.4. Providing false contact information of any kind may result in the termination of your account.
9.5. You must immediately notify us of any unauthorized uses of your account or any other security breaches.
9.6. We (Payly.in) will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions.
9.7. We may suspend, disable, or delete your account (or any part thereof) if we determine that you have violated any provision of this Agreement or that your conduct or content would tend to damage our reputation and goodwill.
9.8. If we delete your account for the previous reasons, you may not re-register for Payly.in services. We may block your email and IP address to prevent further registration.

ATTENTION: Payly.in does not accept registrations from individuals or companies based in the United States of America, also from countries with limited FATF. That includes the US and FATF restricted country nationals living abroad. If you fall into the said category or if you are US or FATF restricted countries resident, please do not register an account with us and make absolutely no exchange altogether.

10. Affiliate and links to other websites
10.1. Although this Website may link to other websites, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked website, unless explicitly stated here.
10.2. Some of the links on the Website may be "affiliate links". It means if you click on the link and purchase an item, the Website Operator will receive an affiliate commission.
10.3. We are not responsible for monitoring or evaluating, and we do not warrant the offerings of, any businesses or individuals or the content of their websites.
10.4. We do not assume any responsibility or liability for the actions, products, services, and content of any other third-parties.
10.5. You should carefully review the legal statements and other conditions of use of any website which you access through a link from this Website. Your linking to any other off-site websites is at your own risk.

11. Force Majeure
11.1. Neither the User nor the Service will be liable to each other for delays or failure to fulfil their obligations arising from the occurrence of force majeure circumstances, including natural disasters, fire, flood, terrorist acts, power shifts, civil unrest, and the non-operation of payment systems, Systems power supply, communication networks and Internet service providers.

12. Prohibited uses
12.1. In addition to other terms as outlined in the Agreement, you are prohibited from using the Website or its Content:
(a) for any unlawful purpose;
(b) to solicit others to perform or participate in any illegal acts;
(c) to violate any international, national, provincial or state regulations, rules, laws, or local laws;
(d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others;
(e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;
(f) to submit false or misleading information;
(g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or any related website, other websites, or the Internet;
(h) to collect or track the personal information of others;
(i) to spam, phish, pharm, pretext, spider, crawl, or scrape;
(j) for any obscene or immoral purpose; or
(k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet.
12.2. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

13. Intellectual property rights
13.1. This Agreement does not transfer to you any intellectual property owned by Website Operator or third-parties, and all rights, titles, and interests in and to such property will remain (as between the parties) solely with Website Operator.
13.2. payment system logo or icon used on Payly.in is for indication/information purpose only and is the property of their respective owners. The use of these trademarks, brands and (or) names does not indicate endorsement of the property by us, nor vice versa.
13.3. Your use of our Website and its services grants you no right or license to reproduce or otherwise use any Website Operator or third-party trademarks.

14. Limitation of liability
14.1. The Website Operators its affiliates, officers, directors, employees, agents, suppliers or licensors shall to the fullest extent permitted by applicable law, in no event be liable to any person for any indirect, incidental, special, punitive, cover or consequential damages (including, without limitation, damages for lost profits, revenue, sale, goodwill, use of the content, business impact, business interruption, loss of anticipated savings, loss of business opportunity), in any case, or under any liability theory, including, without limitation, contract, tort, warranty, breach of statutory duty, negligence or otherwise, even if Website Operator has been advised as to the possibility of such damages or could have foreseen such damages.
14.2. To the maximum extent permitted by applicable law, the aggregated liability of Website Operator and its affiliates, officers, employees, agents, suppliers and licensing service providers, related to the services will be limited to no more than one dollar or any amount You paid in cash to the Website Operator. The limitations and exclusions also apply if this remedy does not fully compensate you for any losses or fails of its essential purpose.

15. Indemnification
You agree to indemnify and hold Website Operator and its affiliates, directors, officers, employees, and agents harmless from and against any liabilities, losses, damages or costs, including reasonable attorneys' fees, incurred in connection with or arising out of any third-party allegations, claims, actions, disputes or demands asserted against any of them as a result of or relating to your content, your use of the Website or Services or any your willful misconduct.

16. Severability
16.1. All rights and restrictions contained in this Agreement may be exercised and shall be applied and bound only to the extent that they do not violate any applicable law, and are intended to be limited to the extent necessary so that they will not render this Agreement illegal, invalid or unenforceable.
16.2. If any provision, portion of terms of this Agreement shall be held to be unlawful, invalid or unenforceable by a court of competent jurisdiction, the parties intend that the remaining provisions or portions thereof shall constitute their agreement concerning the subject matter hereof. All such remaining provisions or portions thereof shall remain in full force and effect.

17. Dispute resolution
17.1. The formation, interpretation, performance of this Agreement and any disputes arising out of it shall be governed by the substantive and procedural laws without concern to its rules on conflicts or choice of law and, to the extent applicable.
17.2. The exclusive jurisdiction and venue for actions related to the subject matter hereof shall be the state and administrative courts located in the location of business registration, and you hereby submit to the personal jurisdiction of such courts.
17.3. You hereby wave any right to a jury trial in any proceeding under or in connection with this Agreement.
17.4. The United Nations Convention on Contracts for the International Sale of Goods does not apply to this Agreement.

18. Changes and amendments
18.1. We reserve the right to modify this Agreement or its policies related to Website or its services at any time, effective upon posting the updated version of this Agreement on the Website.
When we do, we will revise the updated date at the top of this page.
18.2. Your continued use of the Website after any such changes shall constitute your consent to such changes.

19. Acceptance of these terms
19.1. You acknowledge that you have read this Agreement and agree to all its terms and conditions.
19.2. By using the Website or its services, you agree to be bound by this Agreement.
19.3. If you do not agree to abide by the terms of this Agreement, you are not authorized to use or access the Website and its services.