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Abhi BNPL - Buy Now, Pay Later.

This document contains the terms and conditions (“Terms”) under which Abhi (Private) Limited (“we”, “us”, “our” or “Abhi”) provides its Service defined hereunder to our client (“you”, “your” or “Employee”).

These Terms shall be effective from the date you register an account with us, which signifies your acceptance of these Terms and continue in full force and effect indefinitely unless and until terminated according to these Terms.

Please read these Terms carefully before you start using our Services. If you do not understand anything in these Terms, you can reach out to us through communication channels indicated in these Terms. If any part of these Terms, including subsequent amendments, is not acceptable to you, kindly refrain from using or accessing our Services.

The latest version of these Terms is available on our website which can be accessed through the following link Abhi BNPL and/or our mobile application.


If not explicitly stated otherwise in the text of these Terms, terms and definitions written with capital letters shall have the following meanings, wherein words denoting singular shall include the plural and vice versa:

Abhi Salary Card – means the card subscribed by you and provided by us/Abhi for the easy access to your Earned Wage.

Account – means the account that you register with us through the App/website to gain access to our Services under these Terms.

Applicable Law – means any applicable statutes, enactments, decrees, regulations, notifications, guidelines, policies, directions, directives and orders of any governmental authority, board, or a court, in force at the relevant time in the Islamic Republic of Pakistan.

Abhi Pay Later – means the ‘buy now pay later’ services for sale & purchase transaction executed via our Marketplace, whereby you undertake to pay the price of the purchased Product in installments, by using your Earned Wage directly.

Contract – means an e-commerce transaction, which is a legally binding agreement formed between you and Abhi for the Purchase of Product sold via the Marketplace.

Credentials – means the information required to use and access you Account such as you user

ID, password, phone number tc.

Earned Wage Access (EWA) – means the early access to a portion of your accrued salary accessible to you through the App or through the Abhi Salary Card.

eCIB – means the Electronic Credit Information Bureau of Pakistan which collects and organizes data and credit history on borrowing and credit worthiness of borrowers from their respective financial institution.

Google Tracking Sheet – means as described in Clause 5.3.5 below.

Installment – means the fixed and manageable installments in which you can Purchase your desired Product from the Marketplace which at no point shall exceed four (04) installments.

Listing – means a Product page created by Abhi on the Marketplace. Listing includes description, price, and other relevant details of the Product as prescribed by the Applicable Law governing consumer protection.

Marketplace – means our App, where you can engage in an e-commercial transaction related to the Purchase of Product.

Mobile Application (App) – means an application software designed to run on your mobile device and which provides you with an access to our Services.

Merchant – means any individual or entity, which has entered into an agreement with us for offering its Products on our Marketplace.

Order – means an order placed by you though your Account for the purchase of Product listed on the Marketplace.

Product – means any tangible item offered by the Merchant for sale on the Marketplace.

Purchase – means the process of buying Products on the Marketplace, including Order placement, payment, and delivery.

Purchase Limit (Limit) – means a threshold that reflects the result of your creditworthiness evaluation conducted for the purpose of facilitating your Abhi Pay Later Purchases on the Marketplace. This limit shall be communicated to you through your Account. Abhi shall be entitled to change the limit as it deems fit from time to time at its entire discretion.

Partner Organization (Partner) – individual or entities, engaged in providing you with accompanying services (e.g., delivery, consultation and etc.) related to your Purchases (“Accompanying Services”).

SECP – means the Securities and Exchange Commission of Pakistan under which Abhi is licensed as a non-banking financial company (NBFC).

Services – means services provided to you by us, as described under Clause 4 of these Terms.


As a regulated entity, we work under specific legal laws, rules and regulations including, but not limited to:

  • Contract Act, 1872,
  • Electronic Transaction Ordinance, 2002,
  • Prevention of Electronic Crimes Act, 2016,
  • Consumer Protection Act, 2005,
  • All the NBFC-IFS regulations are laid out by the SECP,
  • All the banking, payment gateway, AML, and counter-terrorism regulations laid out by the SBP in the Branchless Banking Act of 2008,
  • and all other applicable acts of the Islamic Republic of Pakistan.

3.1. These Terms govern the terms and conditions under which you use and access our Services.

3.2. Together with the accompanying documents mentioned herein, these Terms, among other important details, provides information about our identity, terms and conditions of rendering Services, rules related to your Order and Purchase, the modification or termination of these Terms.

3.3. In addition to these Terms, your Account shall be governed by another set of terms and conditions and the use of our Services is governed by our Privacy Policy and in-App instructions.

Documents listed in this clause are collectively referred to as the “Policies” and are incorporated by reference. The Policies form a part of these Terms and in case of any conflict between these Terms and the Policies, the latter shall prevail.

3.4. By Purchasing a Product from us, you agree and confirm that you have read and understood these Terms and the Policies, and a legally binding and enforceable agreement has been created and you shall be bound by such agreement.


4.1. Our Services are designed to provide you with an e-commerce solution, which operates as such:4.1.1. through your Account you can interact with the Merchant for executing Contracts pursuant to Clause 5;

4.1.2. we will assign you with Limit to facilitate your Abhi Pay Later Purchases, which we are entitled to revise as per our discretion;

4.1.3. in our App we also provide you with access to Accompanying Services to facilitate your Purchases with us, such as delivery of Product.

4.2. Our Services are only meant for personal use. It is prohibited to use our Services for any business or commercial purposes.

4.3. Accompanying Services are offered by our Partners, which are independent service providers.

Thus, such services are governed by the terms and rules of our Partners and are applicable to

your relationship with them only.

4.4. By providing your details to us at the time of registration and pursuant to the use of Services

and the App, you hereby affirmatively consent to our use of your details for contacting you

directly in order to perform the Services, including but not limited to occasionally sending

notifications, text messages with promotional offers, service updates and reaching out to you

to survey regarding the quality of the App and Services or otherwise.

4.5. We will not offer Services other than those detailed in these Terms.


5.1. General provisions

5.1.1. This Clause 5 of these Terms provides for the provisions pertaining to the Products bought on

the Marketplace through Abhi Pay Later. You should read these conditions very carefully before

placing an Order for any Product on the Marketplace.

5.1.2. Your Order is your legal offer to purchase a Product listed on the Marketplace. The Contract for

purchase of a Product is deemed executed upon its confirmation (acceptance) by you.

5.1.3. We do not endorse, guarantee, or control the quality, safety, legality, or availability of the

Products listed on the Marketplace. Merchants are responsible for complying with all applicable

laws and regulations regarding their Products.

5.2. Listings

5.2.1. Listings and content expressed on the Marketplace shall provide you with representations on

price, quantity, stock availability, specifications, and any terms and conditions of sale.

5.2.2. The prices of the Products listed on the Marketplace are in Rupees and include all applicable

taxes. Prices in your shopping cart will always match with the most recent price indicated on the

Listings page. Please note that adding a Product to your cart does not reserve the price of the

same. We will do our best to provide accurate pricing information on the Marketplace, however

occasional errors may occur, which may result in incorrect display of prices.

5.3. Placing and processing Orders

5.3.1. By placing an Order for Products through the Service, you warrant that you are legally capable

of entering into binding contracts.

5.3.2. You can place an Order through your Account by selecting the Product on the Marketplace.

5.3.3. Your Order must be complete, accurate and shall contain all the commercial terms of the

proposed Contract. Incomplete or inaccurate Orders will not be accepted and processed by us.Mandatory commercial terms of the Order include information contained in the Listings, as well

as, without limitation, information on the mode of Products’ handover (i.e., pickup at the store

or delivery) and payment terms and etc.

5.3.4. You must be assigned with a Limit in order to place Orders for Abhi Pay Later Purchases.

5.3.5. To buy a Product through Abhi Pay Later, you shall be required to generate a request through

the App. This request shall then be populated on a ‘Google Tracking Sheet’ with relevant

information as required by Abhi, which includes the following:

(a) Unique ID (internal loan ID number to track collection);

(b) Employee Name;

(c) Mobile Number;

(d) CNIC;

(e) Organization;

(f) EWA salary;

(g) Product details;

(h) Total cost; and

(i) Monthly Installment Amount.

Once all the above mentioned details are filled on the Tracking Sheet, Abhi will run an eCIB

check on your Abhi Pay Later request.

5.3.6. Case Rejection: If the eCIB check is “Negative”, based on the relevant risk parameters, the

Risk function will Update “Negative” in the designated Risk column of the Tracking Sheet and

add comments as to why the case was rejected.

5.3.7. Case Approval: If the eCIB check is “Positive”, based on the relevant risk parameters, the Risk

function will update “Positive” in the designated risk column of the Tracking Sheet.

5.3.8. Order Confirmation: Upon approval from Abhi, the designated customer support officer

(“Officer”) shall call you and confirm the Order. The Officer will attempt to call you three (03)

times during peak hours.

(a) Order Cancellation: If you decide to cancel your Abhi Pay Later request during the

confirmation call, customer support shall enter “Order Cancelled” in the “Order Confirmation”

column on the Tracking Sheet and the Officer shall reject the Order on the App. You shall also

have two (02) working days to cancel your request after placing your Order and before the

Risk (eCIB approval). If you are unresponsive and do not receive any of the three calls from

our Officer, then the Order will be cancelled automatically.

(b) Order Acceptance: If the Order is accepted by you, the Officer will confirm and/or add the

order details and the delivery address or self-pick up of Product; and enter “Order Approved”

in the “Order Confirmation” column on Tracking Sheet and the Officer shall approve the Order

on the App. As soon as the Order is approved, the first Installment of the Product shall be

deducted from your EWA balance.

5.3.9. Please note that Order confirmation is conditioned on the successful payment of the initial

Installment from your EWA balance. If for any reason the payment of the initially Installment

amount becomes impossible your Order will be declined immediately.

5.3.10. Please note that delivery estimates are determined by the Merchant and we do not make any

representations and guarantees as per their accuracy and your reliance upon them. The

Merchant holds responsibility for delivering Orders or ensuring they are picked up once all relevant details and proof of payment is provided. Once an Order has been successfully handed

over to you, the Merchant shall inform us of the same and an Officer shall call you to confirm if

you have received the Product and the Tracking Sheet shall be updated accordingly.

5.3.11. You will be provided with a receipt through your Account containing all the relevant information

regarding your Purchase. The payment/Installment schedule (“Payment Schedule”) will be

provided through your Account.

5.3.12. We retain the right to cancel any Order in case of mispricing, Product’s unavailability and other

similar cases, regardless of whether the Order was confirmed and/or payment was processed.

Additionally, we reserve the right to refuse or cancel your Order if fraud or an unauthorized or

illegal transaction is suspected.

5.4. Payments

5.4.1. Payments under the Contract shall be executed by you in Installments as specified in the

Payment Schedule for your Abhi Pay Later Purchase.

5.4.2. Payments shall be made exclusively through cashless transactions by using your EWA

Balance/Abhi Salary Card.

5.4.3. You agree that recurring (automatic) payments for the Installments shall be deducted by us from

your EWA balance. Thus, you acknowledge and authorize us to deduct the Installments on due

dates agreed in the Payment Schedule.

5.4.4. You understand that we reserve the right to revise the prices at any time prior to accepting an

Order. The prices quoted may be revised by us subsequent to accepting an Order in the event

of any occurrence effecting delivery caused be governmental action, variation in custom duties,

increased shipping charges, higher foreign exchange costs and any other matter beyond our

control. In that event, you will have the right to cancel your order.

5.4.5. Please note in respect of your Abhi Pay Later Purchase you will not be able to unlink your Abhi

Salary Card until full and proper discharge of your payment obligations under your Abhi Pay

Later Purchase.

5.4.6. Any third-party fees, charges and costs associated with your Contract shall be borne solely by


5.5. Return, exchange and refund

5.5.1. There shall be no return, exchange and refund of the Product once an Order has been confirmed.

5.6. Undelivered Orders

5.6.1. The Merchant and/or the Partner, as applicable, shall make two (02) attempts to deliver the

Order. In case an Order is not picked up or is unsuccessful in delivery, the Order shall be sent

to our head office in Karachi and you will remain bound to pay the Installments as per policy.

5.6.2. In the event you call customer support to claim your Product/Order, you shall be directed to pick

it up from our office by the respective Officer.

5.6.3. The Merchant is the one responsible for the delivery of the Products and in the event of any

delay, theft, misplacement or loss of the Order, we shall not be responsible. You shall be provided

assistance from our end as much as possible and you shall be directed to handle the matter

directly with the Merchant.

5.7. Resignation and/or Organization Disablement

5.7.1. If you have resigned/terminated from your relevant organization and received the Order as well,

then all remaining Installments shall be included in your final settlement invoice that is sent to

your organization. If for some reason your payroll amount is not sufficient to settle the remaining

installment amount , then you shall be directly liable to pay the remaining balance. Fully

dispensing of your liability shall be necessary if you wish to continue using the device.

5.7.2. If we are unable to recover payment from your final settlement amount as mentioned above,

then you are directly liable to pay the full remaining amount of the Product. In this case you will

be required to to make a full payment to Abhi’s account details as follows:

Bank Name: MCB Islamic

Account Number: 11004874970023

Account Title: Abhi PVT LTD – ABH019

5.7.3. If an organization, where you are employed, has active Installment payer(s), is made inactive

from our end due to non-repayment of their EWA balance and not enabled for more than ten

(10) days after they are due or we have terminated our services with the organization, we shall

contact and ask you to make a balloon payment as per clause 5.7.4 below.

5.7.4. In order to continue using the device in the event you resign, are terminated or your organization

becomes inactive you shall be required to make a balloon payment of the remaining Installments.

If you refuse to do so, we shall lock your device through “DataCultr”. For more information on

DataCultr, please click here.


6.1. Our Privacy Policy

6.1.1. We process your personal data in accordance with our Privacy Policy and as described in these

Terms. Our Privacy Policy will always be accessible through the App and through our website.

6.1.2. You are required to signify your consent to our Privacy Policy during the Account registration

process. If you are not comfortable with how we handle your personal data, as explained in the

Privacy Policy, you should not use our Services.

6.1.3. Where relevant, you may be required to confirm your consent and authorization for processing

your personal data for each operation to be conducted in respect of the same, in addition to your

consent given at the time of Account registration.

6.2. Intellectual property

6.2.1. Our App and Services, along with their content, text, graphics, logos, and images, as well as all

other intellectual property, including, copyrights, patents, database rights, trademarks, and

service marks, are either owned by us, our affiliates, and our Partners engaged in providing you

with the Supplementary Services. We and/or such Partners and other third parties, retain all

rights, title, and interest in all these objects of intellectual property.

6.2.2. Nothing in these Terms will function to transfer or assign any of our or third-party’s intellectual

property rights existing as at the date we entered into these Terms and any intellectual property

rights which are created or developed during the term of these Terms or otherwise.

6.2.3. In consideration of you agreeing to abide by the terms of these Terms, we grant you a limited,

non-exclusive, revocable, non-transferable and non-sublicensable right to use the App on your

device solely for accessing our Services and for no other purpose whatsoever. You are authorized

solely to view and to retain a copy of the pages of the App for your own personal use.

6.2.4. You are prohibited from:

(a) reverse engineering, disassembling, copying, modifying, tampering with, attempting to

derive the source code of, creating derivative works of our App or any content present


(b) engaging in any data mining, data extracting, or any similar activity, in relation to our App; and

(c) removing or altering any copyright, trademark or other proprietary notice or legend

displayed on the App.

6.2.5. In order to keep the App up-to-date, we may update it at any time without giving a notice to

you in this regard.

6.3. Risk and Liability

6.3.1 You acknowledge and agree that you shall be assuming full risk of conducting any transaction in

connection with the Products and Merchants, including risks of liability or harm of any kind in

connection with subsequent activity of any kind that are the subject of transactions using the

App. Such risks shall include, but are not limited to, misrepresentations of the Products offered

or displayed on the App which may violate or may be asserted to violate your rights and the risk

that you may incur costs of defense or other costs in connection with assertion of your rights,

or in connection with any claims by any party that they are entitled to defense or indemnification

in relation to assertions of rights, demands or claims by third party rights claimants. All of the

foregoing risks are hereafter referred to as “transaction risks”. You agree that we shall not be

liable or responsible for any damages, claims, liabilities, costs, harms, inconveniences, business

disruptions or expenditures of any kind that may arise a result of or in connection with any

transaction risks.

6.4. Language and communications

6.4.1. You hereby acknowledge and agree that our Services and communications, including with

respect to the conclusion of these Terms, will be provided in English. We may, at our option,

provide the Services, Terms, Policies and communications in another language in addition to

English. In case of a conflict between the interpretation of the communications, Terms, Policies

in English and another language, the interpretation in English will prevail.

6.4.2. We will send you any and all communications and information related to our Services and your

Account, including but not limited to: (a) to these Terms (Policies) and any amendments,

modifications or supplements to it; (b) notifications and confirmations pertaining to the status

of your Orders, terms of your Contract with Merchant (including Payment Schedule), etc.; (c)

customer service communications; and (d) any other disclosures, notices, notifications,

demands and communications provided in connection with the Services, including those

mentioned under these Terms or otherwise required by Applicable Law (“Communications”) in

electronic format and through our website, email, App or SMS.

6.4.3. A Communication sent to you is considered as received by you:

 within 24 hours after it being posted on our websites

 withing 24 hours, in case sent by email

 immediately, in case sent by in-App notification or SMS

6.4.4. You hereby acknowledge and agree: (a) to receive Communications from us in an electronic

format and that any such Communications shared electronically satisfy any legal requirement

that such communications would satisfy if it were in physical form or sent by traditional mail;

(b) that it is your responsibility to ensure that you regularly review your email, your Account,

SMS and our website to review Communications delivered through those means and that we are

not liable for any losses caused as a consequence of failing to do so.

6.4.5. You agree to keep your phone number (including any additional contact numbers) and email

address, provided during your Account registration up-to-date and immediately notify us if there

are any changes. Delivery of any Communication to your phone number, email address or App

as specified on records maintained by us shall be deemed valid and effective delivery.

6.4.6. You can contact us through the following communication channels: email: [ ];

 telephone: [ ]; and

 support facility on App

6.4.7. If, and where required by the Applicable Law, certain communication must be exchanged in a

written form and dispatched physically by mail or courier.

6.5. Limitation of liability

6.5.1. Nothing in these Terms shall exclude or limit our liability to you where it would be unlawful to

do so.

6.5.2. We shall not be held responsible for any of your errors or disputes arising with the Merchant. In the event of any errors or disputes, beyond our control, we encourage you to directly contact the Merchant to seek resolution and recourse.


6.5.3. We will not be liable for the Orders placed via your Account in the following instances:

(a) if you have engaged in illegal or fraudulent activity;

(b) if you have intentionally or with gross negligence compromised the security of your Account

or failed to comply with the security requirements outlined in these Terms;

(c) if you do not promptly notify us of any loss or unauthorized use of your Credentials or other

security measures that could potentially compromise the security of your Account.

6.5.4. We will not be liable for any harm, damage or losses you may suffer if we cannot perform our obligations under these Terms due to circumstances out of our control, including:

(a) Force Majeure events;

(b) any legal or regulatory requirements;

(c) suspension of our Services resulting from maintenance and upgrades to our systems or the

systems of our Partners;

(d) suspension of your Account; and

(e) malicious attack on our systems and servers.

6.5.5. We will not be liable for any harm, damage or losses you may suffer due to a virus, spyware, scareware, Trojan horses, worms or other malware or harmful material that may infect the device you use to access our Services.

6.5.6. We will not be liable to you for any harm, damage or loss to you arising from the acts or omissions of any third parties, including our Partners. Your relationships with these third parties and Partners are independent of these Terms. You can seek recourse for such acts or omissions by directly contacting such third parties or Partners.

6.5.7. Our Services are only meant for personal use. It is prohibited to use our Services for any business or commercial purpose. We will not be liable to you for any harm, damage or loss to you arising from the use of our Services for such purposes, including any loss of profit, loss of business, business interruption, or loss of business opportunity.

6.5.8. We will not be liable to you for any harm, damage or loss to you arising from any act or omission that is in breach of these Terms or violates the Applicable Law.

6.5.9. Our App is an independent platform, and may include links to third-party websites we do not operate or control. These links are for your convenience and for information only. If you decide to leave the App and access such websites, you do so at your own risk. We are not in any way responsible for any situation related to such third parties and are not responsible for any failure related to the third parties’ products or product model, mark, reliability, adequacy, originality, availability or legality. As such, we will not be liable to you for any harm, damage or loss to you arising from you visiting any such websites.

6.6. Indemnity

6.6.1. You agree to promptly defend, fully indemnify and hold us harmless from and against any and all liabilities incurred or suffered by us or any of our affiliates and associates (as well as their respective shareholders, directors, officers and employees), including but not limited to, losses, damages, liabilities, expenses, costs and reasonable legal, accounting and other fees arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to:

(a) your use of, or conduct in connection with, the App or our Services;

(b) your actual or alleged breach of these Terms, our Policies or the terms and policies of Merchants and of our Partners;

(c) your actual or alleged violation of any Applicable Law, or the rights of any third party;

(d) any false, inaccurate or misleading information you provide to us, in the course of providing you the Services; and

(e) any breach by you of any of the representations, warranties and undertakings you have made under these Terms.

6.6.2. You hereby expressly release us, our affiliates and associates (as well as their respective shareholders, directors, officers and employees) from any cost, damage, liability or other consequence of any of the actions or inactions of the Merchants, our Partners or other service providers and specifically waive any claims or demands that you may have in this behalf under any agreement or the Applicable Law.

6.7. Representation and warranties

6.7.1. We make no representation or warranty that the App and our Services will meet your requirements, be available at any particular time or location, function in an uninterrupted manner or be secure or that any defects or errors will be corrected. You assume full responsibility and risk of loss resulting from your use of our App and Services. No conditions, warranties or other terms (including any implied terms as to satisfactory quality, fitness for purpose or conformance with description) apply to the Services except to the extent that they are expressly set out in these Terms.

6.7.2. You shall have access to our Services 24 hours / 7 days, except for any planned or unexpected shutdowns during operating and non-operating hours. Such planned or unexpected shutdowns may also take place at our Partners’ end. You acknowledge that such shutdowns may result in either partial or no access to our Services.

6.7.3. We provide no guarantees, warranties or representation either explicitly or implicitly, about the Products and Supplementary Services offered through the Marketplace. This includes any implied terms related to the quality, suitability for a specific purpose, or adherence to the product or services description. We are not responsible for any mistakes or omissions, whether made by Merchants or our Partners, and we disclaim any liability in such cases.

6.7.4. It is important to understand that we cannot be held accountable for any instances of unsatisfactory or delayed service performance, as well as any damages or delays caused by Products that are out of stock, unavailable, or placed on backorder.

6.8. Changes and amendments

6.8.1. We reserve the right to amend, replace, supplement, or delete (“Changes”) any provision of these Terms or any document which form part of it, including but not limited to our Policies, at any time at our sole discretion.

6.8.2. The updated version of these Terms (including Policies) shall be considered effective from the time they are posted in the App or our website. You are advised to regularly check these Terms and Policies to stay updated.

6.8.3. If you continue to use the App even after the Changes are introduced, then it will constitute as your acceptance of revised/changed Terms and Policies. If you do not agree to the new Changes, in whole or in part, please stop using the App and availing our Services.

6.9. Independent Contractors

6.9.1. Nothing in these Terms gives rise to the formation of a partnership or agency relationship between you and us.

6.9.2. Neither party is authorized to act as an agent for the other, or to commit or undertake any obligations on behalf of the other party, and neither party shall represent itself as possessing such authority.

6.10. Waiver

6.11.1 Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

6.11. Assignment

6.11.1. You shall not transfer or assign any rights, obligations, or privileges that you have under these Terms.

6.11.2. We may transfer, assign, and/or novate these Terms and/or any of our rights under these Terms at any time without your consent. We will notify you if we plan to do so.

6.12. Governing Law

6.12.1. The terms of these Terms are governed by the Applicable Law. This means that these Terms and any dispute or claim arising out of or in connection with it will be governed by the Applicable Law.

6.12.2. You hereby acknowledge and agree that the courts of the Karachi will have exclusive jurisdiction over any dispute arising from or in connection with these Terms.

6.13. Force Majeure

6.13.1. We shall not be liable for any delay, interruption, or failure to perform any obligations under these Terms due to events or circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, strikes, labor disputes, government actions, or any other events beyond our control.

6.13.2. In the event of a force majeure event, we will make reasonable efforts to mitigate the impact and resume normal operations as soon as reasonably practicable, however under no circumstances shall we be held liable for any delay or failure or disruption of the Services delivered through the App resulting directly or indirectly from force majeure events, as listed above.

6.14. Parties

6.14.1. These Terms is between you and us. No other individuals or entities shall be entitled to enforce any of its provisions.

6.15. Severability

6.15.1. If any provision of these Terms is held invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions will not be affected or impaired in any way and shall remain in full force.