The Terms and Conditions (as may be amended from time to time, the "Agreement") is a legal contract between you, a customer, member, user, or beneficiary of this service of at least 18 years of age ("You"), and SMSdaak India Limited having its registered office at 1st Floor, A-24/9, Mohan Cooperative Industrial Estate, Mathura Road, New Delhi - 110044, India. InstantPay is a platform owned by SMSdaak India Limited (hereinafter referred to as “Company”). Company is the owner of the website www.instantpay.in and all its web and mobile applications (collectively referred to as “InstantPay”) hence all the rights, benefits, liabilities & obligations under the following terms & conditions shall accrue to the benefit of the Company. (together with its subsidiaries and other affiliates, "us", "we" or "InstantPay"), regarding your use of our services (known as "Service"). The www.instantpay.in website (known as the "Site") and Service is subject to your compliance with the terms and conditions set forth below including all exhibits.