AGREEMENT This agreement ("user agreement") incorporates the User Terms and Conditions for the website, www.docswallet.com ("docswallet")to provide services to the person (s) ("the User") intending to use docswallet’s e-verify or e-submit services or for uploading documents on docswallet websites or using any other interface channels of docswallet which includes its sales persons, offices, call centers, advertisements, information campaigns etc. I n this Agreement, This Website User Agreement governs your use of this website and the relationship between you and the website, www.docswallet.com owned by Tharakan Web Innovations Pvt. Ltd. (Company). Docswallet reserves the right to update or change this Agreement at any time and for any reason without notice to you, and you agree that by continuing to use this Website after we make any changes to this Agreement, that you are bound by the then current version of this Agreement. Your act of visiting or using this Website has the same legal force and effect as a written contract with your written signature. You further agree that you will not challenge the validity, enforceability or admissibility of this Agreement on the grounds that you agreed to it electronically. You also agree that you have had an opportunity to print a copy of this Agreement for your records. Both User and docswallet are individually referred to as ‘party’ and collectively referred to as ‘parties’. COGNIZANCE OF THIS AGREEMENT The Users visiting the website or availing any services indicated therein from docswallet shall be deemed to have read, understood and expressly accepted the terms and conditions of this agreement, which shall govern the use of this Website, any desired transaction or provision of any services by docswallet for all purposes, and shall be binding on the User. All rights and liabilities of the User and/or docswallet with respect to any services to be provided by docswallet shall be restricted to the scope of this agreement. Docswallet reserves the right, in its sole discretion, to terminate the access to any or all docswallet websites or its other sales channels and the related services or any portion thereof at any time, without notice, for general maintenance or for any reason what so ever. Docswallet shall not be responsible for any losses suffered by the User or any consequent CLAIMS FOR DAMAGES ARISING ON THIS ACCOUNT Additionally, the Verifier or Downloader itself may provide terms and guidelines that govern particular features, offers or the operating rules and policies applicable to each Service. The User shall be responsible for ensuring compliance with the terms and guidelines or operating rules and policies of the Verifier or Downloader with whom the User elects to deal, including terms and conditions set forth in a Verifier or Downloader terms and conditions. Docswallet’s Services are offered to the User conditioned on acceptance without modification of any of the terms, conditions and notices contained in this Agreement, as may be applicable from time to time. For the removal of doubts, it is clarified that availing of the Services by the User constitutes an acknowledgement and acceptance by the User of this Agreement. If the User does not agree with any part of such terms, conditions and notices, the User must not avail Docswallet’s Services. In the event that any of the terms, conditions, and notices contained herein conflict with the Additional Terms or other terms and guidelines contained within any other docswallet document, then the terms and conditions specified herein shall prevail. LIABILITY DAMAGES In no event shall the Company and/or the Website or any of its Contractors or Agents be liable to you for any damages (including, without limitation, incidental and consequential damages, lost profits, or damages resulting from lost data or business interruption) resulting from your use or inability to use this website or the content, or any of the services provided therein, whether based on warranty, contract, equity, tort, statute or any other legal provision, and whether or not we are advised of the possibility of such damages or claims. You further agree that in no event shall the Company and/or the Website or any of its Contractors or Agents of the Company and/or website, be liable to you for any damages (including, without limitation, incidental and consequential damages, lost profits, or damages) resulting from the use or misuse of any information provided by you. You further understand that docswallet has no control over how any information that you provide to third party linked sites are used. You further agree that in no event shall the Company and/or the Website or any of its Contractors or Agents of the Company and/or website, be liable to you for any damages (including, without limitation, incidental and consequential damages, lost profits, or damages) for the non-fulfillment of any offer or services requested to be performed by you on this Website. THIRD PARTY ACCOUNT INFORMATION By using the Account Access service in docswallet’s websites, the User authorizes docswallet and its agents to access third party sites, including that of Banks and other payment gateways, designated by them or on their behalf for retrieving requested information. USER ID & PASSWORD While registering, the User will choose a password and is responsible for maintaining the confidentiality of the password and the account. The User is fully responsible for all activities that occur while using their password or account. It is the duty of the User to notify docswallet immediately in writing of any unauthorized use of their password or account or any other breach of security. Docswallet will not be liable for any loss that may be incurred by the User as a result of unauthorized use of his password or account, either with or without his knowledge. The User shall not use anyone else’s password at any time FEES PAYMENT AND REFUND Docswallet reserves the right to charge listing fees for certain listings, as well as transaction fees for certain transactions using the services provided by docswallet. Docswallet further reserves the right to alter any and all fees from time to time, without notice. The User shall be completely responsible for all charges, fees, duties, taxes, and assessments arising out of the use of the services. In case, there is a short charging by docswallet for listing, services or transaction fee or any other fee or service because of any technical or other reason, it reserves the right to deduct/charge/claim the balance subsequent to the transaction at its own discretion. The balance amount shall be an acknowledged debt due and payable to docswallet by the User and the User shall make such payment within seven days of receipt of any such demand from docswallet. In the rare possibilities of the verification not getting confirmed for any reason whatsoever, we will process the refund and intimate you of the same. Docswallet.com is not under any obligation to make a re-verification request in lieu of or to compensate/ replace the unconfirmed verification. All subsequent further verifications will be treated as new transactions with no reference to the earlier unconfirmed verification. docswallet shall be liable solely for refund of such amount and shall not in any manner be liable to pay any compensation for any loss suffered on any account whatsoever by the User on account of non-confirmation of the transaction. If you are not satisfied for any reason, you may request a refund within 30 days provided the electronic document verification or submission process has not been completed. Refunds will be processed within 15 days, once the refund process has been initiated. Completed electronic document verification or submissions are non-refundable. Delay in providing service by the verifiers shall not be considered for non-satisfaction of service. CONFIDENTIALITY Any information which is specifically mentioned by docswallet as Confidential shall be maintained confidentially by the user and shall not be disclosed unless as required by law or to serve the purpose of this agreement and the obligations of both the parties therein. USAGE OF THE MOBILE NUMBER OF THE USER BY DOCSWALLET docswallet may send verification confirmations, submission information, cancellation, payment confirmation, refund status or any such other information relevant for the transaction, via SMS or by voice call on the contact number given by the User at the time of booking; docswallet may also contact the User by voice call, SMS or email in case the User couldn’t or hasn’t concluded docswallet services, for any reason what so ever, to know the preference of the User for concluding the services and also to help the User for the same. The User hereby unconditionally consents that such communications via SMS and/ or voice call by docswallet is (a) upon the request and authorization of the User, (b) ‘transactional’ and not an ‘unsolicited commercial communication’ as per the guidelines of Telecom Regulation Authority of India (TRAI) and (c) in compliance with the relevant guidelines of TRAI or such other authority in India and abroad. The User will indemnify docswallet against all types of losses and damages incurred by docswallet due to any action taken by TRAI, Access Providers (as per TRAI regulations) or any other authority due to any erroneous complaint raised by the User on docswallet with respect to the intimations mentioned above or due to a wrong number or email id being provided by the User for any reason whatsoever. ONUS OF THE USER Docswallet.com regularly reviews its adherence to this Privacy Policy. Should a concern arise about adherence to this privacy policy, please feel free to contact us. If Docswallet.com receives formal written complaints regarding privacy, it is the company’s policy to contact the complaining user regarding his or her concerns.