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TERMS AND CONDITIONS

1. ACCEPTANCE OF TERMS

By accessing or using ApplyUPICard.life ("Website", "Service", "Platform"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Service. ApplyUPICard is a revolutionary platform connecting users with the new generation UPI Card services, offering exclusive discounts, cashback rewards, and premium banking benefits.

2. ABOUT APPLYUPICARD SERVICE

ApplyUPICard.life is an innovative financial technology platform that:

- Facilitates applications for new UPI-enabled Credit Cards
- Provides exclusive discount offers and cashback opportunities
- Connects users with premium banking partners (Axis Bank, IDFC First Bank, and others)
- Offers instant approval processes and digital-first banking solutions
- Delivers personalized financial product recommendations
- Provides 24/7 customer support and guidance

3. ELIGIBILITY AND USER REQUIREMENTS

To use our Service, you must:

- Be at least 18 years of age or the legal age of majority in your jurisdiction
- Be a resident of India with valid identification documents
- Have the legal capacity to enter into binding agreements
- Provide accurate, current, and complete information during registration
- Maintain and update your account information as required
- Comply with all applicable laws and regulations

4. UPI CARD SERVICES AND FEATURES

Our platform offers access to:

- Premium UPI-enabled Credit Cards with enhanced security features
- Exclusive cashback rates up to 5% on various categories
- Airport lounge access and travel benefits
- Instant approval processes (typically within 2 minutes)
- Zero annual fees on select card products
- Advanced fraud protection and security measures
- Reward points and loyalty programs
- Special merchant discounts and offers

5. PRIVACY AND DATA PROTECTION

- We collect and process personal information as outlined in our Privacy Policy
- Your data is protected using industry-standard security measures
- Information may be shared with banking partners for application processing
- We comply with applicable data protection laws and regulations
- Users have rights to access, modify, or delete their personal information

6. LIMITATION OF LIABILITY

- Our liability is limited to the maximum extent permitted by law
- We are not liable for indirect, incidental, or consequential damages
- Total liability shall not exceed the fees paid for our services
- Users acknowledge the inherent risks in financial applications

7. DISCLAIMER

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

- limit or exclude our or your liability for death or personal injury resulting from negligence;
- limit or exclude our or your liability for fraud or fraudulent misrepresentation;
- limit any of our or your liabilities in any way that is not permitted under applicable law; or
- exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty. To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

8. CONTACT INFORMATION

For questions, concerns, or support regarding these Terms:
Email: INFO@applyrupayupicard.life
Website: https://applyupicard.life
Customer Support: Available 24/7 through our platform
Contact Page: Contact Us