Terms of Service.

You may use Payaam only if:

• You are legally competent to enter into a binding agreement.
• You are at least 18 years old or the age of majority under applicable law, whichever is higher.
• For a marriage governed by Indian law, the person being matched meets the legal minimum marriage age: 18 for a bride, 21 for a groom.
• You are using the Services for lawful marriage-introduction purposes.
• You provide true, accurate, current, and complete information.
• You are not prohibited from using the Services under applicable law or by Payaam.

You must not create a profile for another person unless you have authority, consent, or family permission to do so.

Payaam provides a technology platform for family-led marriage introductions.

The Services include:

• Account creation and one-time passcode login by phone
• A structured nine-step biodata profile
• Photo uploads, reviewed by Payaam before they go live
• Curated introductions, generated by a matching algorithm
• Interest, save, pass, withdraw, and response actions
• Mutual interest tracking and a shared journey view
• Text chat once interest is mutual
• Contact exchange after both sides consent
• Membership, billing, and tax invoices
• A wedding-services vendor directory under Planning
• Help, support tickets, and live support chat

Payaam deliberately does not provide a swipe deck, a public profile directory, open search, or the ability to browse strangers. Introductions are curated and progression is consent-gated at every stage.

Payaam is a technology platform, not a marriage broker or matchmaking agency. Payaam does not arrange marriages, negotiate on your behalf, verify claims made by other users beyond the checks described in these Terms, or take part in anything that happens offline.

Payaam does not guarantee marriage, engagement, compatibility, acceptance, response, or any particular outcome.

You may need an account to use the Services.

You agree to:

• Provide accurate information.
• Keep your phone number and contact details updated.
• Keep OTPs and account access secure.
• Not share account access with unauthorised persons.
• Notify Payaam if you suspect unauthorised access.
• Not create fake, duplicate, misleading, or impersonating accounts.

Payaam may suspend or terminate accounts that appear fake, abusive, fraudulent, inactive, unsafe, or in violation of these Terms.

You are responsible for all profile information, photos, biodata, preferences, messages, vendor information, and other content you submit.

You confirm that:

• Information you provide is true and not misleading.
• You have permission to provide information about another person where applicable.
• You will not upload photos or documents without proper rights.
• You will not misrepresent marital status, age, identity, education, work, income, family background, location, or other material information.
• You will update information if it changes.

Payaam may review, edit, reject, hide, or remove profile content that violates these Terms or platform policies.

Profiles, photos, verification materials, vendor listings, reports, and other content may be reviewed by Payaam.

Payaam may approve, reject, pause, suspend, or remove content or accounts if Payaam believes they:

• Are inaccurate or misleading
• Violate policy
• Contain inappropriate material
• Create safety concerns
• Infringe rights
• Appear fraudulent
• Are reported by users
• Violate applicable law

Approval by Payaam does not mean Payaam verifies every claim made by a user.

Users are responsible for doing their own due diligence before moving forward with any match.

Payaam may recommend profiles using profile details, preferences, activity, quality signals, visibility settings, and other relevant factors.

You understand that:

• Recommendations are not guarantees.
• Compatibility indicators are informational only.
• Payaam does not guarantee accuracy of user-provided information.
• Payaam does not guarantee responses, acceptance, engagement, marriage, or successful outcomes.
• Users must independently verify details before making personal, family, financial, or marriage decisions.

Payaam offers a free tier and a paid Premium membership.

Free access includes:

• Account creation and the full nine-step biodata
• Profile submission, review, and editing
• Rich but photo-veiled introduction cards in Discover
• Browsing the Planning vendor directory
• Account management and support access

Premium membership unlocks:

• Unveiled photos and the full introduction card
• Expressing interest, saving a profile, and withdrawing interest
• Viewing and responding to interest you have received
• Requesting contact exchange
• Vendor package detail, saving a vendor, and the WhatsApp handoff

Chat is not a paid feature. Once a connection reaches mutual interest, either side may open the thread and send messages regardless of membership. Contact exchange remains Premium-gated and still requires consent from both sides.

Premium is currently offered at ₹1,499 per month and ₹2,999 for three months. Both figures are inclusive of 18% GST. Pricing is launch pricing and may change; the price shown to you at checkout is the price that applies to that purchase.

Payaam may change which features sit in the free or paid tier at any time.

Payments are processed by Razorpay, our payment gateway, together with your bank, card network, or UPI provider. Payaam does not process card or bank credentials itself.

Premium is a recurring subscription. Monthly membership is collected by UPI Autopay mandate, which you authorise once and which then renews automatically until you cancel. All prices are shown inclusive of 18% GST.

By making a payment, you agree to:

• Provide accurate billing information.
• Authorise the payment.
• Comply with payment provider terms.
• Pay applicable taxes, fees, and charges.
• Not use unauthorised payment methods.

Payaam does not collect or store UPI PINs, card CVV, banking passwords, or sensitive payment authentication credentials.

Payment status may depend on confirmation from the payment provider.

If a payment fails, is reversed, refunded, disputed, or flagged as fraudulent, we may suspend or restrict paid features.

You may cancel Premium at any time from Settings, then Membership. Cancelling stops the next renewal. It does not end your membership immediately: access continues until the end of the period you have already paid for, and then lapses.

Cancellation can be reversed for a short period afterwards, using the Resume option shown in the app. Once it is final, the autopay mandate is closed and cannot be reactivated, so continuing later means starting a new subscription.

Cancelling does not delete your account or your profile. If you also want your data removed, use account deletion in Settings, which is described in the Privacy Policy.

Unless required by law or stated otherwise, paid memberships are non-refundable once the period has begun, because access is granted immediately on payment.

Vendor subscriptions follow the same pattern, with proration applied when a vendor upgrades mid-period.

If you purchase through the Apple App Store or Google Play, refunds may instead be subject to Apple or Google policies.

If a payment fails, is reversed, disputed, or flagged as fraudulent, Payaam may suspend or restrict paid features.

Contact details may be shown only according to Payaam's contact exchange rules.

You agree that:

• Contact details should not be forced, extracted, scraped, or demanded.
• Contact details may be shared only after the applicable consent flow.
• You must not misuse contact details received through Payaam.
• You must not harass, threaten, spam, or repeatedly contact another user.
• You must respect a user's decision to stop communication.

Payaam may log contact exchange events for safety, audit, and dispute purposes.

You are responsible for your communications with other users.

You must not send:

• Harassing, threatening, abusive, or hateful messages
• Sexual, obscene, exploitative, or inappropriate content
• Fraudulent or misleading information
• Payment requests, scams, or investment solicitations
• Spam or promotional messages
• Personal information of others without permission
• Content that violates law or rights of others

Contact details may not be exchanged in chat before the consent flow is complete. Payaam enforces this automatically, and attempting to work around it is a breach of these Terms.

Chat is text-only.

Payaam may review messages if reported or if necessary for safety, moderation, legal compliance, or platform integrity.

A vendor holds one business profile and one subscription. The business profile, its service packages, and all uploaded media are reviewed by Payaam before they become visible to families.

The wedding-services marketplace is entirely separate from the matrimonial side of Payaam. Vendors appear only inside Planning, never inside Discover or Journey, and vendor accounts have no access to any member's matrimonial data.

Vendors agree that:

• Business information must be accurate.
• Required licences, registrations, GST details, and permissions must be maintained where applicable.
• Packages and media must not mislead families.
• Leads must be handled professionally and promptly.
• Vendor services are provided directly by the vendor, not Payaam.
• Payaam is not responsible for vendor service quality, pricing, fulfilment, cancellation, refunds, or disputes unless expressly stated.

Contact between a family and a vendor happens on WhatsApp, not on Payaam. When a family taps Chat on WhatsApp, Payaam records that a lead occurred and opens WhatsApp with a fixed, standard opening message. Payaam does not run an enquiry inbox, does not carry the conversation, and cannot see what is said, quoted, or agreed afterwards. There is therefore no on-platform response guarantee.

There is no bidding or auction. Vendors publish fixed, structured packages; they do not compete on price inside Payaam.

Payaam may approve, reject, pause, suspend, or remove a vendor profile, a package, or any uploaded media.

Vendor subscriptions include a higher tier that gives a vendor priority placement within the Planning directory. It is a subscription tier, not an advertising product. Payaam does not sell advertising and does not run banner ads.

Featured placement does not guarantee:

• Leads
• Bookings
• Revenue
• Ranking permanence
• Exclusive visibility
• A specific number of views or taps

Payaam may label a vendor as featured where that tier applies.

You agree not to:

• Use Payaam for unlawful purposes
• Create fake or misleading profiles
• Impersonate another person
• Misrepresent identity, age, marital status, education, work, income, family, or location
• Upload content you do not have rights to
• Harass, threaten, abuse, stalk, or exploit others
• Scrape, crawl, copy, or extract platform data
• Reverse engineer or interfere with the Services
• Circumvent paywalls, visibility controls, contact gates, or security systems
• Use the Services for commercial solicitation unless approved as a vendor
• Share another user's profile, photos, contact details, or private messages outside the platform without permission
• Upload malware, spam, or harmful code
• Attempt to access admin, vendor, or user accounts without authorisation
• Use Payaam to promote illegal, discriminatory, hateful, sexually explicit, or harmful content

Users may report or block other users.

Payaam may investigate reports and take action, including:

• Warning a user
• Removing content
• Limiting visibility
• Pausing matching
• Restricting features
• Suspending or terminating accounts
• Reporting unlawful activity to authorities where required
• Preserving records for investigation

Payaam is not obligated to disclose investigation details or enforcement reasoning.

Payaam admins, moderators, and support staff may access user, vendor, payment, communication, and activity information only as needed for:

• Support
• Debugging
• Moderation
• Profile review
• Vendor review
• Payment support
• Fraud prevention
• Safety investigation
• Legal compliance
• Platform operations

Admin access is role-based: a staff member can reach only the areas their role allows. Sensitive actions, including profile decisions, refunds, and any use of the view-as-user support tool, are recorded in an audit log.

Payaam staff do not read chat messages routinely. Message content is accessed only when a conversation is reported, or where required for a safety investigation or by law.

Payaam owns or licenses all rights in the Services, including:

• Software
• Design
• UI
• Logos
• Brand assets
• Content
• Databases
• Workflows
• Algorithms
• Documentation
• Website materials

You may not copy, modify, reproduce, distribute, reverse engineer, or create derivative works from Payaam without written permission.

Subject to these Terms, Payaam grants you a limited, revocable, non-exclusive, non-transferable licence to use the Services for personal, lawful marriage-introduction purposes or approved vendor purposes.

This licence ends when your account is terminated or your access is revoked.

You retain ownership of content you submit, subject to rights you grant to Payaam.

You grant Payaam a worldwide, non-exclusive, royalty-free licence to host, store, process, display, reproduce, adapt, moderate, transmit, and use your content to:

• Provide the Services
• Display your profile according to visibility rules
• Process matches and interests
• Provide support
• Operate vendor listings
• Improve platform functionality
• Enforce safety and moderation policies
• Comply with law

You confirm you have the rights and permissions necessary to submit such content.

The Privacy Policy explains how Payaam collects, uses, discloses, retains, and protects personal information.

The Services rely on these categories of third party:

• Razorpay, our payment gateway, for payments, subscriptions, and UPI Autopay mandates
• An SMS provider, for delivering one-time passcodes
• A cloud database and file-storage provider, for your profile data and photos
• A push-notification provider, for app notifications
• An email delivery provider, for transactional email
• PostHog, our product analytics provider, used only if you accept analytics cookies
• An error-monitoring provider, with personal information removed before anything is sent
• Cloud hosting and content-delivery providers
• WhatsApp, when you choose to contact a vendor
• The Apple App Store and Google Play, where you install the app

If you need the identity of a specific provider in order to exercise a data-protection right, write to support and we will provide it.

Third-party services are governed by their own terms and privacy policies. Payaam is not responsible for third-party acts, omissions, downtime, pricing, errors, or policies.

If you download Payaam through Apple App Store or Google Play, your use may also be subject to Apple or Google terms.

Apple and Google are not responsible for Payaam's services, support, content, claims, or disputes except as required by their own terms.

The Services are provided on an "as is" and "as available" basis.

To the fullest extent permitted by law, Payaam does not guarantee:

• That the Services will always be available
• That recommendations will be accurate
• That user information is always truthful
• That a match will respond or accept
• That any interaction will lead to engagement or marriage
• That vendor services will meet expectations
• That all errors or issues will be corrected immediately
• That the Services will be uninterrupted, secure, or error-free

You are responsible for your decisions, interactions, meetings, payments to vendors, and offline communications.

To the fullest extent permitted by law, Payaam and its officers, directors, employees, contractors, affiliates, service providers, and agents will not be liable for:

• Indirect, incidental, special, consequential, exemplary, or punitive damages
• Loss of profits, revenue, data, goodwill, or opportunity
• User conduct
• Vendor conduct
• Offline meetings or interactions
• Incorrect user-provided information
• Payment provider errors
• Service interruptions
• Unauthorised access despite reasonable safeguards
• Outcomes of matches, proposals, engagements, marriages, or vendor transactions

Where liability cannot be excluded under law, Payaam's liability will be limited to the amount paid by you to Payaam in the three months before the claim, or INR 5,000, whichever is lower.

You agree to indemnify and hold harmless Payaam, its affiliates, staff, contractors, service providers, and partners from claims, losses, damages, liabilities, penalties, costs, and expenses arising from:

• Your use of the Services
• Your content or profile information
• Your communications with users or vendors
• Your violation of these Terms
• Your violation of law
• Your infringement of third-party rights
• Your misuse of contact details
• Your fraud, misrepresentation, or misconduct

Payaam may suspend or terminate your account or access if:

• You violate these Terms
• Your information appears false or misleading
• You misuse the platform
• You harass or harm users
• You fail payment obligations
• You attempt to bypass access controls
• You create safety, legal, or reputational risk
• Required by law
• Payaam discontinues the Services

You may stop using the Services or delete your account at any time from Settings. Deletion is not immediate: your account enters a 30-day recovery period during which signing in restores it. After 30 days the deletion is finalised, your profile and photos are erased, and it cannot be undone. If you have an active subscription, deleting your account also schedules its cancellation.

Certain provisions will survive termination, including payment obligations, content licences where necessary, disclaimers, limitation of liability, indemnity, dispute provisions, and legal compliance provisions.

Payaam may add, remove, modify, suspend, or discontinue any part of the Services at any time.

Payaam may change:

• Features
• Pricing
• Membership plans
• Access rules
• Matching logic
• Vendor packages
• Support workflows
• App design
• Availability

Payaam will provide notice where required by law.

Payaam may update these Terms from time to time.

When Payaam updates them, the "Last Updated" date will be revised. For material changes, Payaam may notify you through the app, website, email, or another appropriate method.

Your continued use of the Services after the updated Terms become effective means you accept the updated Terms.

These Terms are governed by the laws of India.

Subject to applicable law, the courts located in Hyderabad, Telangana will have exclusive jurisdiction over disputes arising from these Terms or the Services.

If you have a dispute or complaint, please contact Payaam first at:

Support: support@payaam.in

Payaam will try to resolve the issue in good faith.

For consumer complaints, payment disputes, privacy grievances, or other statutory remedies, you may also have rights under applicable Indian laws.

For legal, user safety, or privacy grievances:

Support: support@payaam.in

The IT Intermediary Rules, 2021 include due diligence and grievance-redressal requirements for intermediaries, with additional obligations depending on the nature and scale of the platform.

Payaam Support: support@payaam.in