TERMS & CONDITIONS

Rishta Mobarak Private Limited (referred to as "Company") runs a web/mobile application called  "Rishta Mobarak" (referred to as "App"), which can be found on platforms such as Google Play Store, iOS App Store, and others. Additionally, the Company operates a website at  https://rishtamobarak.com (referred to as "Website"). Collectively, the App and the Website are referred to as "the Platform." These terms and conditions (referred to as "Terms") govern the usage and access of the Platform, as well as the Services (defined below).

By using the Services, you indicate that you have read, comprehended, and agree to be bound by these Terms. It is also required that you adhere to the stipulations stated herein. If you do not consent to all of these Terms or fail to comply with the mentioned requirements, please refrain from accessing the Platform or using the Services.

These Terms establish a legally binding and enforceable contract between the Company and any User (as defined below) or end user of the Services (referred to collectively as "you"). By accepting these Terms, you confirm and warrant that: (a) you possess the full legal capacity and authority to consent to and be bound by these Terms, (b) you are at least 18 years old or older, and (c) you are a resident of Pakistan, the United States, European Union, Denmark, United Kingdom, Ireland, or the Middle East (referred to collectively as "the State"). If you are acting on behalf of an entity, organization, or any other legal entity, you further confirm and guarantee that you have the necessary power and authority to bind such entity, organization, or legal entity to these Terms.

These Terms also include our Privacy Policy, accessible at ("Privacy Policy"), as well as any internal guidelines, supplementary terms, policies, or disclaimers provided or issued by us periodically. By continuing to access or utilize the Platform, including any Services provided, you indicate your acceptance of these Terms. Furthermore, you acknowledge that the Platform is intended solely for the use of residents of the specified States. By continuing to access and use the Platform, it will be deemed that you are declaring yourself as a resident of one of the specified States.

The Company retains the right to modify these Terms by posting a new or updated version. Your continued use and/or non-deletion of the Platform will signify your agreement to such changes. Therefore, we strongly encourage you to regularly review the Terms whenever you access or use the Platform to stay informed about any modifications we may make to these Terms.

SERVICES:

The Platform aims to offer online matrimonial and matchmaking services (referred to as "Services") to all its users. By signing up on our app, you have consented to our terms and conditions, as well as our Privacy Policy. It is important to read and understand our terms and conditions of service before registering on our website. If any existing user violates our Terms or Privacy Policy, the Company retains the right to terminate or suspend their account. Please be aware that the term 'Services' encompasses any future services that we may offer or propose to provide.

ON-BOARDING:

In order to access the Services, users must create a profile or sign up on the Platform ("Profile") using their email ID and/or phone number, along with other required information. When setting up the Profile, users will need to provide certain details, including but not limited to phone numbers, display pictures, and other information related to their profession and education. It is crucial for users to provide accurate and truthful information on the Platform and refrain from sharing any immoral content or information. The minimum age requirement for using the Platform's Services is 18 years old, and there is no maximum age limit. Users are responsible for promptly updating their details on the Platform in case of any changes.

Users are solely responsible for maintaining the security and confidentiality of their username and password. If there is any unauthorized use or disclosure of the Profile or any breach of security, users must immediately notify the Company in writing at (support@rishtamobarak.com).

Users expressly agree to take full responsibility for all activities carried out through their Profile, whether related to the use of the Services or otherwise. The Company disclaims any liability for unauthorized access to a user's Profile.

By using the Services, users agree to receive communications from the Company, including information regarding recorded transactions on the Platform, payment requests, details about the Company and its Services, promotional offers and services from the Company and its partners, as well as other relevant matters concerning the Services.

Throughout the user's utilization of the Platform, Matchmakers reserves the right to terminate or disable the user's account if there are grounds to believe that the user is underage or has breached the terms and conditions or privacy policy in any manner.

KNOW YOUR CUSTOMER POLICY:

The Company may request Users to upload specific information and documents that are necessary to verify their eligibility to access certain features of the Services. This may include identification documents ("KYC Documents").

By using the Platform, the User grants authorization to the Company and any third-party service provider engaged or involved in connection with the Platform to process the KYC Documents and verify the User's eligibility. The Company's processing activities will adhere to its Privacy Policy and these Terms. It should be noted that the privacy policy of any third-party service provider involved in the processing of KYC Documents will govern their permissions.

The User acknowledges that they may be required to submit additional documents as requested by the Company or its third-party service providers. In such cases, if any supplementary information, data, or documentation ("Top-Up Documents") is necessary, the User agrees to promptly provide such Top-Up Documents upon request and authorizes the Company to process them.

The User agrees and warrants to provide valid, true, complete, and up-to-date KYC Documents and Top-Up Documents. The User acknowledges that providing incorrect or misleading information would constitute a material breach of these Terms. In such instances, the User's access to certain features of the Services may be restricted or denied.

The list of required KYC Documents and Top-Up Documents may be provided to the User during the Profile creation or sign-up process, or at a later stage.

TRANSACTION INFORMATION:

Users have the option to upload Transaction Information on the Platform, which pertains to the services provided. This Transaction Information can be exchanged between the Users and the Platform via various electronic means such as phone calls, text messages, WhatsApp, email, or other relevant channels, depending on the Users' contact details on the Platform.

It is the sole responsibility of the User to provide accurate Transaction Information. The Platform and the Company will not be held liable for any transactions that are not processed or are incorrectly processed, in any manner whatsoever.

THIRD PARTY SERVICES:

The Services provided may include Third Party Services, which encompass services, content, documents, and information owned by, licensed to, or made available by a third party. The Platform may also contain links to Third Party Services. Users acknowledge that Third Party Services are the responsibility of the respective third parties, and the use of such services is solely at the Users' own risk.

The Company does not make any representations and explicitly disclaims all warranties and liabilities relating to Third Party Services, including their accuracy or completeness. Additionally, all intellectual property rights associated with Third Party Services belong to their respective third-party owners.

To facilitate payments, the Company collaborates with payment service provider (PSP) partners. Users are advised to exercise caution and refrain from intentionally or unintentionally sharing personal PINs or OTPs (One-Time Passwords) with any third party. The Company never solicits information such as PINs or OTPs via calls or any other means. The Company will not be held liable for any fraudulent activities resulting from the User's sharing of such details. Similarly, the Third Party Service providers/PSP partners will not be held liable for any fraud arising from the User's sharing of such information. In the event of any fraudulent transactions and if the User has shared their debit/credit card or relevant information, the Company may share necessary transaction details if the victim contacts the Company through appropriate channels, such as the customer support number or email (support@rishtamobarak.com).

USER RESPONSIBILITIES:

The User confirms and guarantees that all information provided through or in relation to the Services is accurate, complete, true, and correct at the time of agreeing to these Terms, and will remain so throughout their use of the Platform. The Company assumes no responsibility or liability for any loss or damage incurred by the User if the information, documentation, material, or data provided for using the Services is incorrect, incomplete, inaccurate, misleading, or if the User fails to disclose any material fact.

The User is solely responsible for ensuring compliance with applicable laws and will be held solely liable for any consequences arising from a breach of their obligations in this regard.

The User agrees to cooperate fully with the Company in defending against any legal proceedings initiated as a result of the User's breach of obligations or covenants under these Terms.

While the Company makes commercially reasonable efforts to provide Users with daily backups of their Transaction Information, Users are advised to regularly and independently save, backup, and archive such Transaction Information.

The User shall use the Services strictly in accordance with the provisions of these Terms. This includes not infringing upon any third-party proprietary rights, such as copyrights, patents, trademarks, or trade secrets. Except as expressly permitted under these Terms, the User may not use, copy, display, distribute, modify, publish, reproduce, store, transmit, post, translate, create derivative works from, or license the Services.

Furthermore, the User shall not use the Services to transmit or upload any data or material that contains viruses, trojan horses, or any other harmful computer code designed to disrupt the operation of computer software or hardware. The User shall not employ any robot, spider, automated device, or manual process to monitor or copy the Platform or Services, or engage in any activity that is harmful, harassing, defamatory, obscene, pornographic, pedophilic, libelous, invasive of privacy, hateful, racially or ethnically objectionable, encouraging money laundering or gambling, or otherwise unlawful.

The User shall not engage in systematic retrieval of content from the Platform or Services, or violate any applicable laws.

Users are responsible for conducting proper research to ensure that the services for which they send payment links comply with all applicable laws. The Company encourages Users to cross-check before generating payment links, as offering prohibited content may result in the suspension or removal of the User's account.

The User shall not use the Services to sell or supply prohibited products or services, including regulated goods, counterfeit or pirated goods infringing intellectual property rights, tobacco and cigarettes, liquor or narcotics, goods or services contrary to public interest, gambling, or non-compliance with applicable laws.

The User is solely responsible for compliance with all applicable laws, including the Anti-Money Laundering Act, 2010 and its associated rules. The Company shall not be held responsible for any claims, liability, or losses arising from the User's non-compliance with anti-money laundering laws in Pakistan.

The User acknowledges and agrees that the essence and purpose of the Platform is to connect individuals for the purpose of marriage only. The Platform is not intended to be used as a dating platform. If any User is found using the Platform for activities other than matrimonial purposes, the User will be immediately removed from the Platform without notice.

INTELLECTUAL PROPERTY:

All rights, title, and interest in the Platform and Services, including the intellectual property rights associated with them, are owned by the Company or lawfully licensed to the Company. The User is granted a non-exclusive, non-transferable, non-sub licensable, royalty-free, revocable, and limited license to use the Platform and Services in accordance with these Terms and any written instructions provided by the Company.

The User must understand that all content and materials displayed on the Platform are protected under applicable intellectual property laws of Pakistan and the United States of America. The User may not use or reproduce such content without prior written permission from the Company.

The Company reserves the right to use, copy, disclose, publish, display, and distribute any content provided by the User without the need for payment of royalties, acknowledgment, or prior consent, and without any other form of restriction based on the User's intellectual property rights.

Unless expressly stated in these Terms, nothing in these Terms grants the User any rights or licenses to the intellectual property of the Company or any third party.

The content of the Platform, including text and images, is copyright-protected and owned by the Company, unless otherwise noted. The User may not use, sell, license, copy, or reproduce the content, in whole or in part, in any manner, form, or media, without the prior written consent of the Company.

TERM AND TERMINATION:

These Terms will remain in effect unless terminated as described below.

The Company has the right to immediately and at its sole discretion terminate a User's access to or use of the Services, or any part thereof, if the User violates or breaches any of its obligations, responsibilities, or agreements under these Terms.

Upon termination, these Terms will be terminated, except for clauses that expressly state or are intended to survive termination or expiration.

Regardless of anything stated in these Terms, upon termination of a User's access to or use of the Services, any outstanding amounts or unpaid fees related to the User's use of or access to the Services will become immediately due and payable.

DISCLAIMERS AND WARRANTIES:

Your use of the Services is solely at your own risk.

You acknowledge and agree that the Company is not involved in providing, granting, or disbursing any financial products. The Company will not be held responsible for any claims or damages suffered by Users, their customers, or any other person or party, directly or indirectly related to or arising from such transactions, including any payments made by the User using the payment link generated through the Platform. You also agree to retain proof of sale documentation (electronically or physically) for each payment link generated.

To the extent permitted by applicable law, the Services are provided on an "as is" and "as available" basis. The Company does not guarantee uninterrupted or error-free operation of the Services, nor does it warrant that the functions provided will meet your specific requirements.

To the fullest extent permitted by applicable law, the Company expressly disclaims all warranties, whether express or implied, arising from the Services.

By using the Services, you accept full responsibility for any consequences that may arise, and you expressly acknowledge and agree that the Company shall have no liability in relation to such consequences.

To the fullest extent permitted by law, the Company, its affiliates, and related parties disclaim all liability for any loss or damage arising from: (i) your use of, inability to use, or availability or unavailability of the Services, including Third-Party Services; (ii) any defects, interruptions, or delays in the operation or transmission of information to, from, or through the Services; communication failures; theft; destruction; or unauthorized access to the Company's records, programs, services, servers, or other infrastructure related to the Services; or (iii) any failure of the Services to remain operational for any period of time.

Notwithstanding anything to the contrary, neither the Company nor any of its affiliates or related parties shall be liable to you or any third party for any indirect, incidental, special, or consequential damages, or any loss of revenue or profits, directly or indirectly related to these Terms or the Services. To the maximum extent permitted by law, you agree to waive, release, discharge, and hold harmless the Company, its affiliated and subsidiary companies, its parent companies, and each of their directors, officers, employees, and agents from any and all claims, losses, damages, liabilities, expenses, and causes of action arising from the Services.

Please note that Matchmakers currently does not act as a payment aggregator or payment gateway. It enables payments for users through third-party payment service providers. Any charges imposed by Matchmakers are service charges. If you require an invoice for these charges, please email us at (support@rishtamobarak.com).

INDEMNITY:

You are responsible for indemnifying, defending (at the Company's option), and holding harmless the Company, its parent companies, subsidiaries, affiliates, and their officers, associates, successors, assigns, licensors, employees, directors, agents, and representatives from and against any claims, demands, lawsuits, legal proceedings, losses, liabilities, damages, and costs (including, without limitation, all damages, liabilities, settlements, costs, and attorneys' fees) arising from or related to your access to the Services, use of the Services, violation of these Terms, or any infringement by any third party who may use your account with the Company, of these Terms.

CONSENT TO USE DATA:

You acknowledge and agree that the Company, along with any third-party service providers it engages, may collect and utilize your information, technical data, and related information in accordance with its Privacy Policy.

The Company may analyze the information and data regarding your use of the Services for the purpose of generating insights, identifying trends, and conducting statistical analysis to improve the effectiveness and efficiency of the Platform.

In compliance with applicable laws, the Company may be legally required to disclose User data to law enforcement agencies, government entities, or related bodies in connection with criminal proceedings. You understand and consent that in such cases, the Company has the right to share the requested data with the relevant agencies or bodies.

MAINTENANCE OF RECORDS:

You are responsible for independently maintaining records of all payment transactions conducted on the Platform, including physical copies or any other appropriate means. The Company reserves the right to request copies of these records for its own purposes, including record-keeping.

FEES/CHARGES:

The Company retains the right to impose a convenience fee for the provision of its Services. Failure to make the required payment may result in the denial of access to the Services.

MODIFICATION:

The Company retains the right to add, modify, or discontinue the Services, either temporarily or permanently, at any time and for any reason. The Company shall not be held liable for any such additions, modifications, suspensions, or discontinuations of the Services.

JURISDICTION, GOVERNING LAWS, AND DISPUTE RESOLUTION:

These Terms shall be governed by and interpreted in accordance with the laws of Pakistan. Any disputes, conflicts, or differences arising from these Terms or the use of the Services shall be subject to arbitration in Lahore, Pakistan. The arbitration shall be conducted in accordance with the Arbitration Act, 1940, which is deemed to be incorporated by reference in this provision. The arbitration panel shall consist of 1 (one) arbitrator appointed by the Company. The arbitration proceedings shall be conducted in English. The parties involved in the arbitration shall maintain confidentiality and shall not disclose the details of the arbitration, except on a need-to-know basis or to legal advisors, unless required by law. The decision of the arbitrator shall be final and binding on all parties. Each party shall bear its own costs related to the arbitration. The exclusive jurisdiction for any matters related to these Terms or the Services shall be the courts in Lahore.

MISCELLANEOUS PROVISIONS:

Modification - The Company reserves the right to modify these Terms at any time and may add new or additional terms or conditions for the use of the Services. Any modifications and additional terms will be communicated to you. Unless expressly rejected (in which case these Terms will terminate), they will take immediate effect and become part of these Terms. If you refuse to accept such changes, these Terms will be terminated.

Severability - If any provision of these Terms is found to be unlawful or unenforceable by a court or competent authority, the other provisions will remain in effect. If any unlawful or unenforceable provision would be lawful or enforceable if a part of it is deleted, that part will be considered deleted, and the remaining portion of the provision will continue in effect (unless deleting that part contradicts the clear intention of the clause, in which case the entire relevant provision will be considered deleted).

Assignment - You are not allowed to license, sell, transfer, or assign your rights, obligations, or covenants under these Terms without the prior written consent of the Company. The Company may grant or withhold this consent at its sole discretion and subject to any conditions it deems appropriate. The Company may assign its rights to any of its affiliates, subsidiaries, parent companies, or to any successor in interest of any business associated with the Services without prior notice to you.

Notices - All notices, requests, demands, and determinations for the Company under these Terms (excluding routine operational communications) should be sent to (feedback@rishtamobarak.com).

Third Party Rights - No third party shall have the right to enforce any terms contained in these Terms.

Translations - The Company may provide you with translated versions of these Terms to help you understand them better. The English version of these Terms will prevail in all respects. In case of any inconsistency between the English version and any translated version, the terms of the English version will be binding.

REFUND/CANCELLATION:

Cancellation - Once a transaction is initiated, it cannot be cancelled. If the User has entered the wrong number/VPA ID, the Company will not be held liable for the transaction.

Real-time Transactions - All transactions are processed in real-time. If there is any delay in the completion of the transaction, the User can contact the support team of Matchmakers at (support@rishtamobarak.com) after a cool-off period of 30 minutes.

Debit/Credit Card - If the User encounters any issues related to transactions involving Debit/Credit cards, it is necessary to report the matter to the Company's call center.

*The Company will respond and try to resolve the issue in the given escalation matrix as per the Company’s internal processes and policies.*
*All refunds will be processed by following the validation of the transaction from case to case basis in the given legal framework.*