Terms and Conditions

This document constitutes an electronic record under the Information Technology Act, 2000, and any relevant amendments concerning electronic records in various statutes under applicable Indian laws. This electronic record is generated by a computer system and does not require any physical or digital signatures.

This document is published under Rule 3(1) of the Information Technology (Intermediaries guidelines) Rules, 2011, which mandates the publishing of rules, regulations, privacy policy, and terms for access or usage of the Ishifo.com website.

The domain name Ishifo.com (referred to as the ‘Website’) is owned by Akya Retail Private Limited, a company incorporated under the Companies Act, 1956, with its registered office at 19, Ishifo Tower, Kamaraj Road, Bangalore, Bengaluru Urban (hereinafter referred to as “Ishifo”).

Your usage of the Website, services, mobile application, and tools are governed by the following terms and conditions (‘Terms of Use’) as applicable. If you engage in transactions on the Website, you shall be subject to the policies applicable to the Website for such transactions. By using the Website, you are contracting with Ishifo, and these terms and conditions, including the policies, constitute your binding obligations with Ishifo.

Membership Eligibility

The use of the Website is available only to individuals who can form legally binding contracts under the Indian Contract Act, 1872. Persons deemed ‘incompetent to contract’ under the Indian Contract Act, 1872, including minors, un-discharged insolvents, etc., are not eligible to use the Website. If you are a minor (under the age of 18 years), you shall not register as a User of the Website or transact on it. Minors may only use or transact on the website under the supervision of a legal guardian or parent. Ishifo reserves the right to terminate your membership and/or refuse access to the Website if it is discovered that you are under 18 years of age or ineligible to execute any legal document independently.

Your Account and Registration Obligations

By using the Website, you are responsible for maintaining the confidentiality of your Display Name and Password. You agree that any information provided by you shall be accurate, current, and complete. Ishifo reserves the right to suspend, terminate, or block access to your membership if the provided information is found to be untrue, inaccurate, incomplete, or not under these Terms of Use.

Communications

When you use the Website or communicate with us via email or other means, you consent to receive communications from Ishifo electronically. We may communicate with you via SMS, email, voice calls, or any other mode of communication, electronic or otherwise. Your Registration Data and email ID or account details provided through third-party websites will be considered your ‘designated electronic address’ for communication purposes.

Privacy

Ishifo collects, stores, processes, and uses your information by our Privacy Policy. By using the Website or providing your information, you consent to the collection and use of your information by Ishifo under Ishifo’s Privacy Policy.

Use of the Website

You agree not to host, display, upload, modify, publish, transmit, update, or share any information that: a) Belongs to another person without proper authorization; b) Is harmful, harassing, defamatory, obscene, violent, offensive, or unlawful in any manner; c) Misleads or solicits personal information from others; d) Infringes upon or violates any third party’s rights, including intellectual property rights; e) Attempts to gain unauthorized access to the Website or its systems; f) Contains viruses, malware, or other harmful components.

You agree not to use any automated tools or methods to access or interfere with the Website’s functionality or security. You also agree not to make any negative or defamatory statements about Ishifo or engage in any activity that may harm Ishifo’s reputation or goodwill.

Disclaimer of Warranties and Liability

Ishifo and its suppliers, affiliates, and service providers provide the Website and services on an “as-is” basis and without any warranty or condition, express, implied, or statutory. You agree that your use of the Website is at your own risk. Ishifo does not warrant that the Website, its servers, or any communication sent from us are free of viruses or errors.

Payment

While using any payment method available on the Website, Ishifo shall not be liable for any loss or damage arising directly or indirectly due to:

• Lack of authorization for any transaction;
• Exceeding the agreed-upon transaction limits;
• Payment issues arising from transactions;
• Declined transactions for any reason.

All payments made on the Website shall be in Indian Rupees, and Ishifo uses third-party service providers to facilitate payments. Ishifo is not responsible for any issues between you and these service providers.

Compliance with Laws

These Terms of Use shall be governed by and construed under the laws of India. The courts at Bangalore shall have exclusive jurisdiction for resolving any disputes arising from the use of the Website.

For any grievances related to your personal sensitive information governed by the Company Privacy Policy, please contact our Grievance Officer, Shivam Gautam, at support@ishifo.com.

General

The provisions of these Terms of Use do not constitute a partnership or agency between you and Ishifo. Ishifo reserves the right to transfer its rights and obligations under this Agreement without your prior consent.

If any clause of these Terms of Use is deemed invalid or unenforceable, the remaining clauses shall remain valid and enforceable. These Terms of Use constitute the entire understanding and agreement between you and Ishifo regarding the subject matter herein.

Limitation of Liability

In no event shall Ishifo be liable for any special, incidental, indirect, or consequential damages arising from these Terms of Use.