MontraTerms and Conditions

Use of the Montra Platform/Montra Services

Please read the following terms and conditions carefully before registering on, accessing, browsing, downloading or using the Montra website located at Montra.org, and all associated sites linked to Montra.org, or the Montra mobile application or any similar platform (hereinafter collectively referred to as , the Montra Platform) run by Montra Technology Solutions Limited (formerly ArthaFintech Limited), having its registered office at Plot 20 The Quad, Layi Yusuf Crescent, Off Admiralty Way, Lagos, Nigeria (hereinafter referred to as “ MONTRA ”) on any device and/or before availing any services offered by Montra on the Montra Platform which may include services such as funds transfer, cash transactions, recharge or bill payment, digital products, semi-closed wallet service, and marketplace service or any other service that may be offered by Montra on the Montra Platform (hereinafter individually, and collectively, referred to as theMontra Services). For the avoidance of doubt, it is clarified that these terms and conditions shall apply to all Montra Services, whether offered by MONTRA or its affiliates.

Acceptance

• By registering on, accessing, browsing, downloading or using the Montra Platform for any general purpose or for the specific purpose of availing any Montra Service, you agree to be bound by the Single-Sign-On ID (hereinafter referred to as SSOID) terms and conditions set forth below as well as by the service-specific terms and conditions applicable to each Montra Service (hereinafter collectively, referred to as the T&Cs).
• These T&Cs shall also include any additional or modified terms and conditions in relation to the SSOID or any additional or modified service-specific terms and conditions in relation to any Montra Service or any future service that may be offered by Montra on the Montra Platform.
• By registering on, accessing, browsing, downloading or using (as applicable) the Montra Platform or availing any Montra Service or the SSOID, You automatically and immediately agree to all the T&Cs. If at any time You do not accept or agree with any of the T&Cs or do not wish to be bound by the T&Cs, You may not access, browse or use the Montra Platform and immediately terminate your availing the Montra Services.
• Accepting or agreeing to the T&Cs will constitute a legal contract (hereinafter referred to as Agreement) between You and Montra. You agree that you are , being at least 18 years of age, of sound mind and with the requisite capacity to enter into this contract by using Montra Services. Alternatively, where you (the user) is not an individual, your agree that you are a corporate personality duly registered in compliance with the relevant laws of Nigeria.
• All services are rendered by Montra through the Montra Platform under the brand name “Montra” (or any derivatives or variations thereof). Consequently, all the rights, benefits, liabilities and obligations under the T&Cs shall, as the case may be, accrue to the benefit of, or incurred by,Montra, regarding Your use of Montra's digital services (which includes but may not be limited to funds transfer, cash transactions prepaid recharge, bill payment, booking movie tickets, bus tickets, hotel rooms or flight tickets), the semi closed wallet service, the marketplace service or any such other services which may be added on the Montra Platform and which will henceforth be construed as a Montra Service, from time to time.
• The Montra Services shall be used by You subject to Your adherence with the T&Cs. By using the Montra Platform, you accept wholly, these T&Cs. IfYou accept and comply with these T&Cs, Montra grants You a personal, non-exclusive, non-transferable, limited, and revocable privilege to enter and use the Montra Platform and/or avail the Montra Services.

Eligibility

• The Montra Services are not available to persons under the age of 18, persons of unsound mind, or to anyone previously suspended or removed by Montra from availing the Montra Services or accessing the Montra Platform
• By accepting the T&Cs or by otherwise using the Montra Services on the Montra Platform, You represent that You are at least 18 years of age, of sound mind, and have not been previously suspended or removed by Montra, or disqualified for any other reason, from availing the Montra Services or using the Montra Platform. In addition, You represent and warrant that You have the right, authority and capacity to enter into this Agreement and to abide by all the T&Cs as part of this Agreement.
• Furthermore, You shall not impersonate any person or entity, or falsely state or otherwise misrepresent Your identity, age or affiliation with any person or entity. Also, eligibility to use Montra Services or the Montra Platform means implies that you shall not utilise the services for fraud or other illegal purposes. Any fraud or illegal conduct perpetrated on the Montra Platform or using Montra Services is done without the consent of Montra and shall void any eligibility to use the platform or services.
• Finally, in the event of any violation of the T&Cs, Montra reserves the right to suspend or permanently prevent You from availing Montra Services or using the Montra Platform.

Other Terms and Conditions

• Additional terms and conditions may apply in order for You to avail specific Montra Services and to specific portions or features of the Montra Platform, including contests, promotions or other similar features, all of which terms are made a part of these T&Cs by this reference.
• You agree to abide by such other terms and conditions, including where applicable representing that You are of sufficient legal age to use or participate in such service or feature. If there is a conflict between these T&Cs and the terms posted for or applicable to a specific portion of the Montra Platform or for any Montra Service offered on or through the Montra Platform, the latter terms shall control with respect to Your use of that portion of the Montra Platform or the specific Montra Service.
• Montra may make changes to any Montra Services offered on the Montra Platform, or to the applicable terms for any such Montra Services, at any time, without notice. The materials on the Montra Platform with respect to the Montra Services may be out of date, and Montra makes no commitment to update the materials on the Montra Platform with respect to such Montra Services.
• The following terms also govern and apply to Your use of the Montra Platform, and they are incorporated herein by this reference.

SSOID Service, Participating Platforms

• Montra’s SSOID service offers You the convenience, after a one-time registration on any Montra Platform, to sign on (log in) to all web pages and online platforms operated by Montra or its affiliates (hereinafter referred to as the Participating Platforms) with single log-in access / data, without going through a separate registration process every time.
• After successfully registering for the SSOID Service, the user can log-in via each Participating Platform with thier SSOID access credentials. Moreover, if already logged in to one of the Participating Platforms, the user can immediately use all other Participating Platforms without additional log-in procedures (subject to the respective Participating Platform requiring further declarations).
• The Participating Platforms that offer the SSOID as a login feature, are visible on registration and in the user account. The number of Participating Platforms may also vary in the course of time. With regard to the contractual relationships of the users with the respective Participating Platforms, for the purposes of which Montra’s SSOID service is or can be used in accordance with these T&Cs, these can alternatively have their own commercial and user terms and conditions. These business or user terms and conditions are available on the respective Participating Platforms. For the respective contents of the Participating Platforms, the respective affiliate of Montra is solely responsible only for those content that it actually operates.
• For the SSOID service, these T&Cs apply exclusively, whereas for the use of the Participating Platforms, their business and user terms and conditions apply along with these T&Cs.
• The SSOID shall be owned and operated by Montra for use on all Participating Platforms.
• For the use of Montra’s SSOID service, the user must register. Registration as a user is only allowed if the user meets the eligibility criteria as set out in these T&Cs. Each user can set up only one user account. The user is obliged to provide correct and complete information during the registration and use of the SSOID service. The login data is intended solely for personal use by the user and therefore always to be kept secret and safe. The user is not entitled to share (and is discouraged from sharing) his login details with third parties to use the SSOID service or to disclose them otherwise. The user is obliged to inform Montra immediately on becoming aware of and/or suspecting a case of any unauthorized use, disclosure and/or misuse of their access data or of their user account. Furthermore, the user is obliged not to use the user account of another person. Submission of the duly completed registration form by the user simply provides invitation to us to make an offer to enter into the agreement on the use of our SSOID service (hereinafter referred to as the SSOID Agreement).
• Our offer for the conclusion of the SSOID Agreement is then effected by the fact that Montra sends the user a confirmation by e-mail, in which a confirmation link is included next to the user name and the password for the SSOID Service. By the user clicking on this confirmation link, the user accepts Montra’s offer, so that in this way the SSOID Agreement enters into force.
• Conclusion of the SSOID Agreement may, also be effected through other communication modes and following such processes which help achieve the same purpose as the aforementioned e-mail confirmation process.
• Montra is entitled to reject individual users without giving reasons.
• The user guarantees that the data submitted for their user account (and any other information that is otherwise left for Montra) are in all respects complete, true, accurate and not misleading. Any changes to the user’s data should be promptly updated correctly in its account.
• If the mobile phone number or e-mail address provided by You to Montra Platform for the SSOID service is transferred/surrendered/deactivated due to any reason, it shall be your responsibility to contact Montra and have the number/email address duly updated in Montra records before it is transferred/surrendered/deactivated. In the event of any failure to have the updatingpromptly request a data update or to follow up on such update duly raised with Montra, Montra shall not be liable for any misuse of Your account.

Communication Policy

By accepting the T&Cs, You accept the following:

• Montra may send alerts to the mobile phone number provided by You (while registering with the Montra Platform for the SSOID service or on any updated mobile number subsequently provided by You on the Montra Platform), or via e-mail or push notifications. The alerts will be received in case of SMS, only if the mobile phone is in ‘On’ mode to receive the SMS, in case of e-mail, only if the e-mail servers and e-mail ids are functional, and in case of push notifications, if the user has enabled the receipt of such notifications. If the mobile phone is in ‘Off’ mode or if the e-mail servers or IiDds are not functional or if the push-notifications feature has been turned off, then You may not get the alert at all or get delayed messages.
• Montra will make best efforts to provide alerts via SMS/e-mail/push notifications and it shall be deemed that You must have received the information sent from Montra as an alert on the mobile phone number or e-mail ID provided during the course of, or in relation to, using the Montra Platform or availing any Montra Services. Montra shall not be under any obligation to confirm the authenticity of the person(s) receiving the alert. You cannot hold Montra liable for non-availability of the SMS/email alert/push notifications service in any manner whatsoever.
• You authorize Montra to contact You and communicate with You for any Montra Service or Offer(s). Montra may use third party service providers to send alerts or communicate with You. You authorize Montra and Montra Entities to override the DND settings to reach out to You over calls, SMS, emails and any other mode of communication.
• The SMS/e-mail alert/push notification service provided by Montra is an additional facility provided for Your convenience and that it may be susceptible to error, omission and/or inaccuracy. In the event that You observe any error in the information provided in the alert, Montra shall be immediately informed about the same by You and Montra will make best possible efforts to rectify the error as early as possible. You shall not hold Montra liable for any loss, damages, claim, expense including legal cost that may be incurred/suffered by You on account of the SMS/e-mail alert/push notification facility.
• The clarity, readability, accuracy and promptness of providing the SMS/e-mail alert/push notification service depend on many factors including the infrastructure and connectivity of the service provider. Montra shall not be responsible for any non-delivery, delayed delivery or distortion of the alert in any way whatsoever.
• You will indemnify and hold harmless Montra and the SMS/e-mail service provider including its officials from any damages, claims, demands, proceedings, losses, costs, charges and expenses whatsoever including legal charges and attorney’s fees which Montra or the SMS/e-mail service provider may at any time incur, sustain, suffer or be subjected to as a consequence of, or arising out of, any of the following:
  1. Misuse by You or improper or fraudulent information provided by You.
  2. Incorrect phone number or a phone number that belongs to an unrelated third party provided by You.
  3. The customer receiving any message relating to the reservation number, travel itinerary information, booking confirmation, modification to a ticket, cancellation of ticket, change in bus schedule, delay, and/or rescheduling from Montra and/or the SMS/e-mail service provider.

Use of Montra Platform

You understand that except for information, products or services clearly indicated as being supplied by Montra, we do not operate, control, or endorse any information, products or services on the Internet in anyway. You also understand that Montra cannot and does not guarantee or warrant that files available for download through the Montra Platform will be free of viruses, worms or other code that may be damaging. You are responsible for implementing procedures to satisfy Your particular requirements of Internet security and for accuracy of data input and output.

Prohibited Conduct

By accessing or using the Montra Platform or by availing Montra Services, You agree not to:

• Violate the T&Cs;
• Impersonate any person or entity; falsely claim or otherwise misrepresent Your affiliation with any person or entity; or access the accounts of others without permission; forge another person's digital signature;, misrepresent the source, identity, or content of information transmitted via the Montra Services; perform any other similar fraudulent activity or otherwise avail Montra Services with what we reasonably believe to be potentially fraudulent funds.
• Infringe our or any third party's intellectual property rights, rights of publicity or privacy.
• The following terms also govern and apply to Your use of the Montra Platform, and they are incorporated herein by this reference.
• Use the Montra Services if You are under the age of 18 years without a parental sponsor or, in any event, use the Montra Services if You are under the age of 13 years old even with a parental sponsor and in accordance contravention of with applicable law.
• Post or transmit any message, data, image or program which is pornographic, vulgar or offensive in nature.
• Refuse to cooperate in an investigation or provide confirmation of Your identity or any other information provide by You to Montra.
• Remove, circumvent, disable, damage or otherwise interfere with security-related features of the Montra Services and the Montra Platform or features that enforce limitations on the use of the Montra Services or the Montra Platform.
• Reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of as regards Montra Services or th eMontra Platform or any part thereof, except and only to the extent this is expressly permissible by applicable law.
• Use the Montra Services or the Montra Platform in any manner that could damage, disable, overburden, or impair it, including, without limitation, using the Montra Services or the Montra Platform in an automated manner.
• Modify, adapt, translate or create derivative works based upon the Montra Services and the Montra Platform or any part thereof, except and only to the extent that that this is permissible by applicable law.
• Intentionally interfere with or damage operation of the Montra Services or the Montra Platform or any other user's enjoyment of it, by any means, including uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code or file with contaminating or destructive features.
• Use any robot, spider, other automatic device, or manual process to monitor or copy the Montra Platform without prior written permission.
• Interfere or disrupt the Montra Platform, or networks connected to the Montra Platform.
• Take any action that imposes an unreasonably or disproportionately large load on Montra's infrastructure/network.
• Use any device, software or routine to bypass the Montra Platform's robot exclusion headers, or interfere or attempt to interfere, with the Montra Services.
• Forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through the Montra Platform or to manipulate Your presence on the Montra Platform.
• Sell the Montra Services, information, or software associated with or derived from it.
• Use the facilities and capabilities of the Montra Platform to conduct any activity or solicit the performance of any illegal activity or other activity which infringes the rights of others.
• Breach this Agreement, the SSOID Agreement or any other agreement or policy as may be applicable pursuant to the T&Cs.
• Provide false, inaccurate or misleading information.
• Use the Montra Platform to collect or obtain personal information, including without limitation, financial information, about other users of the Montra Platform, except and only as expressly provided in the T&Cs.
• Avail Montra Services with what Montra reasonably believes to be potentially fraudulent funds, or pay for any services on Montra Platform with funds obtained from illegal transactions.
• Knowingly use the Montra Services in a manner that results in or may result in complaints, disputes, reversals, chargebacks, fees, fines, penalties and other liability to Montra, a third party or You.
• Use the Montra Services in a manner that Montra or any payment card network reasonably believe to be an abuse of the payment card system or a violation of payment card network rules.
• Take any action that may cause Montra to lose any of the Montra Services from its service providers or lose any of its recharge partners or business partners, including mobile operators or telecom companies, payment processors or other suppliers.
• Send automated request of any kind to the Montra Platform without express permission in advance from Montra.

Termination; Agreement Violations

You agree that Montra, in its sole discretion, for any or no reason, and without penalty, may suspend or terminate Your account (or any part thereof) or Your use of the Montra Services/Montra Platform and remove and discard on the Montra Platform all or any part of Your account, Your user profile, or Your recipient profile, including Your SSOID, at any time. Montra may also in its sole discretion and at any time discontinue providing access to the Montra Services, or any part thereof, with or without notice. You agree that any termination of Your access to the Montra Services/Montra Platform or any account You may have or portion thereof may be effected without prior notice, and You agree that Montra will not be liable to You or any third party for any such termination or interruption. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies Montra may have at law or in equity. Upon termination for any reason, You agree to immediately stop using the Montra Services/Montra Platform.

Limitation of Liability and Damages

Indemnification

You agree to indemnify, save, and hold Montra / Artha Fintech, its affiliates, employees, officers, directors and partners harmless from any and all claims, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to:

1. Your use or misuse of the Montra Services or of the Montra Platform;
2. Any violation by You of this Agreement or the SSOID Agreement; or
3. Any breach of the representations, warranties, and covenants made by You herein. Montra reserves the right, at Your expense, to assume the exclusive defense and control of any matter for which You are required to indemnify Montra, including rights to settle, and You agree to cooperate with Montra's defense and settlement of these claims. Montra will use reasonable efforts to notify You of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of this Agreement.

Disclaimer; No Warranties

To the fullest extent permissible pursuant to applicable law, Montra and its third-party partners disclaim all warranties or guarantees – whether statutory, express or implied – including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. No advice or information, whether oral or written, obtained by You from Montra or through the Montra Services or the Montra Platform will create any warranty or guarantee other than those expressly stated herein. For the purposes of this Disclaimer, You expressly acknowledge that as used in this section, the term “Montra” includes Montra’s officers, directors, employees and duly authorised agents. You acknowledge that Montra is a reseller of mobile recharges and is not liable for any third party (telecom companies, mobile operators or suppliers) obligations due to rates, quality and all other instances, whether to any such telecom companies’ subscribers or otherwise. You expressly agree that use of the Montra Services on the Montra Platform is at Your sole risk. It is Your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the site or on the Internet generally. Montra does not warrant that the Montra Services will be uninterrupted or error-free or that defects in the site will be corrected. The Montra Services and the Montra Platform and any data, information, third party software, reference sites, services, or software made available in conjunction with or through the services and the site are provided on an “as is” and “as available,” “with all faults” basis and without warranties or representations of any kind either express or implied. Montra, and its partners do not warrant that the data, Montra software, functions, or any other information offered on or through the Montra Services/Montra Platform or any reference sites/platforms/apps/services will be uninterrupted, or free of errors, viruses or other harmful components and do not warrant that any of the foregoing will be corrected. Montra and its licensors, and partners do not warrant or make any representations regarding the use or the results of the use of the Montra Services/Montra Platform or any reference sites/platforms/apps/services in terms of correctness, accuracy, reliability, or otherwise. You understand and agree that You use, access, download, or otherwise obtain information, materials, or data through the Montra Services/Montra Platform or any reference sites/platforms/apps/services at Your own discretion and risk and that You will be solely responsible for any damage to Your property (including Your computer system and mobile device or any other equipment) or loss of data that results from the download or use of such material or data. We do not authorize anyone to make any warranty on our behalf and You should not rely on any such statement. This paragraph shall survive termination of this Agreement. In no event will Montra be liable for any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the Montra Platform.

Ownership; Proprietary Rights

The Montra Services and the Montra Platform are owned and operated by Montra. The visual interfaces, graphics, design, compilation, information, computer code (including source code and object code), products, software, services, and all other elements of the Montra Services and the Montra Platform provided by Montra (hereafter Materials) are protected by Nigerian copyright, trade dress, patent, and trademark laws, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. As between You and Montra, all Materials, trademarks, service marks, and trade names contained on the Montra Platform are the property of Montra. You agree not to remove, obscure, or alter Montra or any third party’s copyright, patent, trademark, or other proprietary rights notices affixed to or contained within or accessed in conjunction with or through the Montra Services/Montra Platform. Except as expressly authorized by Montra, You agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the Materials. Montra reserves all rights not expressly granted in this Agreement. If You have comments regarding the Montra Services and/or the Montra Platform or ideas on how to improve it, please contact customer service. Please note that by doing so, You hereby irrevocably assign to Montra, and shall assign to Montra, all rights, title and interests in and to all ideas and suggestions and any and all worldwide intellectual property rights associated therewith. You agree to perform such acts and execute such documents as may be reasonably necessary to perfect the foregoing rights.

Modification of this Agreement

Montra reserves the right to change, modify, add, or remove portions of this Agreement (each, a change and collectively, changes) at any time by posting notification on the Montra Platform or otherwise communicating the notification to You. The changes will become effective, and shall be deemed accepted by You, 24 hours after the initial posting and shall apply immediately on a going-forward basis with respect to Your use of the Montra Platform, availing the Montra Services or for payment transactions initiated after the posting date. If You do not agree with any such change, Your sole and exclusive remedy is to terminate Your use of the Montra Services/Montra Platform. For certain changes, Montra may be required under applicable law to give You advance notice, and Montra will comply with such requirements.Your continued use of the Montra Platform following the posting of changes will mean that You accept and agree to the changes.

Notice

Montra may provide You with notices and communications by e-mail, SMS, push notifications, regular mail or postings on the Montra Platform or by any other reasonable means. Except as otherwise set forth herein, notice to Montra must be sent by courier or registered mail to Montra Technology Solutions Ltd(formerly Artha FintechLimited), Unit 6, First Floor, 20 The Quad, Admiralty Road, Lekki Phase 1, Lagos, Nigeria.

Waiver

The failure of Montra to exercise or enforce any right or provision of this Agreement will not constitute a waiver of such right or provision. Any waiver of any provision of this Agreement will be effective only if in writing and signed by Montra.

Dispute Resolution

If any dispute, controversy or claim arises under this Agreement or in relation to any Montra Service or the Montra Platform, including any question regarding the existence, validity or termination of this Agreement or T&Cs (hereinafter referred to as Dispute), the parties shall use all reasonable endeavours to resolve such Dispute amicably. If the parties are unable to resolve the Dispute amicably within 30 days of the notice of such Dispute, Montra may elect to resolve any Dispute by a binding arbitration in accordance with the provisions of theNigerian Arbitration and Mediation Act 2023 (the “New Act”). Either You or Montra may seek any interim or preliminary relief from a court of competent jurisdiction inLagos, Nigeria necessary to protect the rights or the property belonging to You or Montra (or any of our agents, suppliers, and subcontractors), pending the completion of arbitration. The seat of any such arbitration shall be Lagos, Nigeria. Any arbitration shall be confidential, and neither You nor Montra may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcing the arbitration award. All administrative fees and expenses of arbitration will be divided equally between You and Montra. In all arbitrations, each party will bear the expense of its own lawyers and preparation. This paragraph shall survive termination of this Agreement.

Governing Law and Forum for Disputes

Subject to the Dispute Resolution section above, You agree that any claim or recourse You may have against Montra must be resolved by a court having jurisdiction in Lagos, Nigeria. You agree to submit to the personal jurisdiction of the courts located within Lagos, for the purpose of litigating all such claims or disputes. This Agreement shall be governed by Nigerian law. This paragraph shall survive termination of this Agreement.

Severability

If any provision of this Agreement is held to be unlawful, void, invalid or otherwise unenforceable, then that provision will be limited or eliminated from this Agreement to the minimum extent required, and the remaining provisions will remain valid and enforceable.

Survival

Upon termination of this Agreement, any provision which, by its nature or express terms should survive, will survive such termination or expiration as applied to transfers and relationship prior to such termination or expiration.

Headings

The heading references herein are for convenience purposes only and they do not constitute a part of these T&Cs and will not be deemed to limit or affect any of the provisions hereof.

Entire Agreement

This Agreement is the entire agreement between You and Montra relating to the subject matter hereof and this Agreement will not be modified except by a change to this Agreement made by Montra in accordance with the terms of this Agreement.

Bill Payments and Digital Products Terms & Conditions

Please read the following terms and conditions carefully before registering on, accessing, browsing, downloading or using the Montra website located at Montra.org, and all associated sites linked to org Montra.org, or the Montra mobile application or any similar platform (hereinafter collectively, the Montra Platform) run by Montra Technology Solutions Ltd (Formerly Artha Fintech Limited), having its registered office at Unit 6, First Floor, 20 The Quad, Admiralty Road, Lekki Phase 1, Lagos, Nigeria (hereinafter collectively, Artha Fintechor Montra) on any device and/or before availing any travel, recharge or bill payment or digital products related services offered by Montra on the Montra Platform (hereinafter, individually Montra Digital Service and collectively, the Montra Digital Services).

Digital Services

Montra offers on the Montra Platform certain digital products such as purchase of movie tickets, bus tickets, hotel reservations, flight tickets, tickets to amusement or theme parks, coupon redemption services etc. Further, Montra may facilitate on its Platform, services from its related entities such as the purchase of prepaid recharges for mobile,toll and data card etc.

Montra offers on the Montra Platform certain digital products such as purchase of movie tickets, bus tickets, hotel reservations, flight tickets, tickets to amusement or theme parks, coupon redemption services etc. Further, Montra may facilitate on its Platform, services from its related entities such as the purchase of prepaid recharges for mobile,toll and data card etc.

The terms ‘Agreement’ or ‘T&Cs’ mentioned herein below includes the terms and conditions in relation to digital products set out below, bill payments, the SSOID terms and conditions as well as other service-specific terms and conditions in relation to Montra Services or Montra Platform.

For various facilities and technology features made available on Montra Platform, please note that Montra will be entitled to charge convenience fee from you. For e.g. for adding money using the Montra Platform to the wallet offered by MontraTechnology Solutions Ltd.

Refund Policy

All sales of prepaid recharge on the Montra Platform are final with no refund or exchange permitted. You are responsible for the mobile number or bills payment account number for which You purchase the prepaid recharge and all charges that result from those purchases. You are also responsible for the information relating to data card and toll-tag recharge and all charges that result from those purchases. Montra is not responsible for any purchase of prepaid recharge for an incorrect mobile number or bills payment account number or incorrect toll or data card information. However, if in a transaction performed by You on the Montra Platform, money has been charged to Your card or bank account and a recharge is not delivered within 24 hours of the completion of the transaction, then You shall inform us by sending an e mail to our customer services e-mail address mentioned on the ‘Contact Us’ page on the Montra Platform. Please include in the e-mail the following details – the mobile number (or bills payment account number or data card or toll-tag information), operator name, recharge value, transaction date and order number. Montra will investigate the incident and, if it is found that money was indeed charged to Your card or bank account without delivery of the recharge, then You will be refunded the money within 21 working days from the date of receipt of Your e-mail. All refunds will be credited to Your Montra wallet. You can trigger a request in Your Montra wallet to transfer the money from Your Montra wallet back to source. It will take 3-21 working days for the money to show in Your bank account depending on Your bank’s policy.

Bill Payements

In order to use the bill payments service or any other Montra Service, You will need to obtain access to the World Wide Web or the Internet, either on a computer or on any other device that can access web-based content, and You will also need to pay any service fees associated with such access. In addition, You must have all equipment necessary to make such connection to the World Wide Web or the Internet, including a computer and a modem or any other set of access devices. Montra and/or the Montra business partner (including Montra’s bill payment partners) reserve the right to charge and recover from You, such fees for availing the service as the case may be. These charges shall be effective from the time when they are posted on the Montra Platform or on the Montra business partner’s channel/portal/website through which You are availing the specific service. You are bound by such revisions and should therefore visit the Montra Platform or check with the Montra business partner’s channel/portal/website through which You are availing the specific service in order to review the applicable fees which may vary from time to time. In the event that You stop or seek a reversal of the payment instructions as may have been submitted, Montra shall be entitled to charge and recover from You and You shall be liable to pay such charges to the bill payment service provider as may be decided by Montra. These charges shall be charged on to Your designated payment account or in any other manner as may be decided by Montra. Montra offers a convenient and secure way to make payments towards identified biller(s) using a valid payment account. Depending upon the Montra business partner through whom the specific service is availed by You

1. The specific features of the service may differ.
2. The number of billers available over the service may differ.
3. The type and range of payment accounts that can be used to issue a payment instructions may differ.
4. The modes/devices over which the service can be accessed may differ.
5. The charges, fees for availing the service or any aspect of the service may differ. Specific details related to these aspects would be available with the Montra business partner on their channel/portal/website over which the service is being availed. From time to time, Montra, at its sole discretion, can add to or delete from such list of billers or types of payment accounts that can be used in respect of making payments to a biller. The type and range of payment accounts that can be used for making payments may differ for each biller depending on biller specifications. There may be additional fees/charge when using certain types of payment accounts in respect of a biller. The terms upon which a payment can be made to a biller can differ depending on whether a card or a bank account is used to issue the payment instruction. Further, depending on the specific facilities allowed by a Montra business partner, payments to a biller can be made either:
   1. By issuing a payment instruction for an online debit/charge to a payment account or
   2. By scheduling an automated debit to a payment account. In using the bill payment service, You agree to:

• Provide true, accurate, current and complete information about Yourself (“RegistrationData”), Your payment account details (“PaymentData”), Your biller details (“BillerData”); and
• Maintain and promptly update the Registration Data, Payment Data and Biller Data to keep it true, accurate, current and complete at all times. If You provide any information that is untrue, inaccurate, not current or incomplete, or Montra has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Montra has the right to suspend or terminate Your account and refuse any and all current or future use of the Montra Services/Montra Platform (or any portion thereof). The term biller includes telecom operators.

Montra assumes no responsibility and shall incur no liability if it is unable to eaffect any payment instruction(s) on the payment date owing to any one or more of the following circumstances:

• If the payment instruction(s) issued by You is/are incomplete, inaccurate, invalid and delayed;
• If the payment account has insufficient funds/limits to cover for the amount as mentioned in the payment instruction(s);
• If the funds available in the payment account are under any encumbrance or charge;
• If Your bank or the National Clearing Centre refuses or delays honouring the payment instruction(s);
• If payment is not processed by biller upon receipt;
• Circumstances beyond the control of Montra (including, but not limited to, fire, flood, natural disasters, bank strikes, power failure, systems failure like computer or telephone lines breakdown due to an unforeseeable cause or interference from an outside force).

In case the bill payment is not effected for any reason, You will be intimated about the failed payment by an e-mail.