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These Terms & Conditions ("Terms") govern your use of our website and services. By accessing or using our platform, you agree to comply with these Terms. If you do not agree, please do not use our services.

1. Definitions

• "Company" refers to MH40
• "User" refers to any individual using our website or services
• "Services" refers to all products, features, and offerings provided

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement under applicable Indian laws to use our services.

3. User Responsibilities

• Provide accurate and complete information
• Do not use the platform for illegal or unauthorized purposes
• Maintain confidentiality of your account credentials
• Comply with all applicable laws and regulations

4. Payments & Transactions

All payments are processed through secure third-party payment gateways such as Razorpay, in compliance with Reserve Bank of India (RBI) guidelines.

• We do not store your card or banking details
• Payments are subject to authorization by your bank
• Failed transactions will be handled as per bank/payment gateway policies

5. Refund & Cancellation

Refunds and cancellations are governed by our Refund Policy. Any eligible refunds will be processed through the original payment method within a reasonable time, as per RBI norms.

6. Compliance with RBI Guidelines

We adhere to all applicable regulations issued by the Reserve Bank of India (RBI), including digital payment security, data protection, and transaction transparency.

• Secure payment processing systems are used
• No sensitive financial data is stored on our servers
• Transaction records are maintained as required by law

7. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of the Company and protected by applicable laws. Unauthorized use is strictly prohibited.

8. Limitation of Liability

We are not liable for any indirect, incidental, or consequential damages arising from the use of our services. We do not guarantee uninterrupted or error-free operation.

9. Third-Party Services

Our platform may include third-party services (e.g., payment gateways). We are not responsible for their performance or policies.

10. Termination

We reserve the right to suspend or terminate your access if you violate these Terms or engage in unlawful activities.

11. Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in Maharashtra.

12. Changes to Terms

We may update these Terms from time to time. Continued use of the platform indicates acceptance of the updated Terms.

13. Contact Us

• Email: mh4t.2025@gmail.com
• Phone: +91 98765 43210
• Address: Nagpur, Maharashtra 440001