Unless otherwise stated, Spay Fintech Pvt. Ltd. and/or its licensors own the intellectual property rights for all content on Spay. All rights are reserved. You may access this content for personal use, subject to the restrictions outlined in these terms and conditions. You must not:

• Republish material from Spay


• Sell, rent, or sub-license material from Spay


• Reproduce, duplicate, or copy material from Spay


• Redistribute content from Spay


This Agreement is effective from the date of your acceptance. Our Terms and Conditions were created with assistance from the Free Terms and Conditions Generator. Certain sections of this website allow users to post and exchange opinions and information. Spay Fintech Pvt. Ltd. does not filter, edit, publish, or review comments prior to their appearance on the website. Comments reflect the views and opinions of the individual posting them and do not necessarily represent those of Spay Fintech Pvt. Ltd., its agents, or affiliates. To the fullest extent permitted by applicable law, Spay Fintech Pvt. Ltd. shall not be liable for any comments or for any liability, damages, or expenses arising from the use or posting of comments on this website. Spay Fintech Pvt. Ltd. reserves the right to monitor all comments and to remove any that are deemed inappropriate, offensive, or in violation of these Terms and Conditions. You warrant and represent that:
• You are entitled to post the comments on our website and possess all necessary licenses and consents to do so;


• The comments do not infringe on any intellectual property rights, including but not limited to copyright, patent, or trademark of any third party;


• The comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material that invades privacy;


• The comments will not be used to solicit or promote business or present commercial activities or unlawful activity.


You grant Spay Fintech Pvt. Ltd. a non-exclusive license to use, reproduce, edit, and authorize others to use, reproduce, and edit any of your comments in any form, format, or media.

The following organizations may link to our website without prior written approval:

• Government agencies


• >Search engines


• News organizations


• Online directory distributors, in the same manner as they link to other listed businesses


• System-wide accredited businesses, excluding soliciting non-profit organizations, charity shopping malls, and charity fundraising groups



These organizations may link to our homepage, publications, or other website information as long as the link: (a) is not misleading; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products/services; and (c) fits within the context of the linking party’s site. We may consider and approve link requests from the following types of organizations:

• Well-known consumer and/or business information sources


• Dot-com community sites


• Associations or groups representing charities


• Online directory distributors


• Internet portals


• Accounting, law, and consulting firms


• Educational institutions and trade associations



We will approve link requests from these organizations if we determine that: (a) the link does not negatively affect our reputation or that of our accredited businesses; (b) the organization has no negative history with us; (c) the visibility gained from the hyperlink compensates for the absence of Spay Fintech Pvt. Ltd.; and (d) the link is relevant within the context of general resource information. These organizations may link to our homepage as long as the link: (a) is not misleading; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products/services; and (c) is contextually appropriate within the linking party’s site. If you are one of the organizations mentioned above and wish to link to our website, please notify us via email at Spay Fintech Pvt. Ltd. Include your name, organization name, contact information, the URL of your site, a list of URLs from which you intend to link to our website, and a list of URLs on our site to which you would like to link. Please allow 2-3 weeks for a response. Approved organizations may hyperlink to our website in the following ways:

• By using our corporate name


• By using the specific URL being linked to


• By using any other descriptive text that accurately represents our website within the context of the linking party’s content


• The use of Spay Fintech Pvt. Ltd.’s logo or other artwork for linking purposes is prohibited without a trademark license agreement.


• Online directory distributors