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Terms and Conditions

Please read and accept these Terms of Services carefully before using QuikWallet.

The words “QuikWallet”, “We” and “Us” refers to LivQuik Technology (India) Private Limited, a company incorporated under the laws of India and having its registered office at 709, Maker Chambers V, Nariman Point, Mumbai-400021, Maharashtra, India and corporate office at D-3123/4, Oberoi Garden Estate, Chandivali, Mumbai-400072, Maharashtra, India.

The words “you”, “your” or “yours” refer to the account holder using QuikWallet. The terms / words not defined herein shall have the same meanings as defined in the Terms & Conditions applicable to the use of LivQuik.

These Terms of Services (ToS) supplements and are in addition to, and not in derogation of, the applicable Terms & Conditions of LivQuik and will continue to be governed by regulations of Reserve Bank of India (“RBI”) on prepaid payment instruments (PPI).

These Terms & Conditions apply to all transactions involving QuikWallet and form the contract between the QuikWallet holder and LivQuik subject to which QuikWallet is issued by LivQuik Technology (India) Private Limited.

In relation to these Terms & Conditions :

  • All references to singular shall include plural and masculine gender shall include feminine gender.
  • The clause headings are only for convenience and do not affect the meaning of the relative clause.
  • If any provision hereof is held to be illegal, void or unenforceable by any court of competent jurisdiction, such provision shall be deemed to be deleted here from and the remaining Terms and Conditions shall continue in force and effect.

In this document, the following word and phrases shall have the following meanings:

  • The words “LivQuik”, “We” and “Us” refers to LivQuik Technology (India) Private Limited, a company incorporated under the laws of India and having its registered office at 709, Maker Chambers V, Nariman Point, Mumbai-400021, Maharashtra, India and corporate office at D-3123/4, Oberoi Garden Estate, Chandivali, Mumbai-400072, Maharashtra, India and includes its successors and assignors.
  • “LivQuik” shall mean LivQuik Technology (India) Private Limited, i.e., the proprietors of QuikWallet.
  • “Applicant” in relation to QuikWallet means a person who applies for and receives the QuikWallet Account from LivQuik Technology (India) Private Limited.
  • “QuikWallet Account” means the account opened in the name of an applicant and maintained by LivQuik Technology (India) Private Limited for the purpose of usage of the account as per the Terms & Conditions contained herein.
  • “QuikWallet Account Holder/ Account Holder” means an Individual / Organization who has acquired a QuikWallet Account for purchase of goods, services and remittances.
  • “QuikWallet” means a prepaid instrument issued by LivQuik to a QuikWallet Account Holder in terms hereof. It facilitates purchase of goods & services and remittances against the value stored on such instruments.
  • “Enterprise” shall mean any company, partnership firm and/or sole proprietorship firm that desire to utilize the facility of QuikWallet provided by LivQuik Technology (India) Private Limited, to its employees/consultants/distributors as the case may be.
  • “Merchant” means an establishment which has an arrangement with LivQuik to accept and honour QuikWallet, for paying consideration for sale of goods and services by the Merchant to the QuikWallet Account Holder. Merchants shall include among others, stores, shops, restaurants, transport organizations as advertised from time to time by LivQuik.
  • “Available Amount” means in relation to the QuikWallet Account, the amount available at a given point of time for use by the QuikWallet Account Holder, being a sum of amount(s) deposited in QuikWallet as reduced by (a) the amount(s) utilized by using QuikWallet for transaction(s) and (b) fees, costs and expenses as charged by LivQuik Technology (India) Private Limited.
  • “Password” means the alphanumeric string required for authenticating the use of QuikWallet on a mobile or web platform allocated by LivQuik or chosen by QuikWallet Account Holder from time to time.
  • “Transaction” means an instruction or an inquiry or communication as appearing in LivQuik’s records, given or made by QuikWallet Account Holder using QuikWallet directly or indirectly to LivQuik to effect a transaction, whether via Mobile or any other device of LivQuik or of the LivQuik’s shared network.
  • “Tariff Annexure” refers to the annexure detailing the charges applicable for services offered on the card. The charges are subject to change at the sole discretion of LivQuik Technology (India) Private Limited. However, such changes in the charges may be made only with prospective effect giving prior notice to the QuikWallet Account Holder.
  • “Escrow Account” For the safety of customer funds LivQuik has ensured that the same is transferred into an escrow account of a bank wherein LivQuik can operate account only for settling the funds with the merchants or remittance recipients. It ensures that in case LivQuik is defaulted the funds are secure and customers can claim the same from the bank by providing appropriate proofs as deemed fit by the bank. The said escrow account is managed with Kotak Mahindra Bank.
  • “Know Your Customer (KYC)” refers to the various norms, rules, laws and statutes issued by RBI from time to time under which LivQuik is required to procure personal identification details from You before any services can be delivered.
  • "Offer(s)" Vouchers, coupons, discounts or other valuable content that can be redeemed at a participating merchant.

A person desirous of availing QuikWallet should apply to LivQuik using its online or mobile platform or third party merchant platforms and accept Terms & Conditions laid out for the use of QuikWallet. A person desirous of availing QuikWallet should apply to LivQuik using its online or mobile platform or third party merchant platforms and accept Terms & Conditions laid out for the use of QuikWallet.

LivQuik shall have a right, not to consider any application, without assigning any reason.

  • You must be a resident of India and 18 years or older to use the Services. You must use the Services in India and use the Service only with Payment Instruments issued by Indian financial institutions.
  • In order to register, create and use an account, LivQuik may require that you submit certain Personal Information, including but not limited to your Name, Mobile Phone Number, E-mail Address, Date of Birth, and Permanent Account Number (PAN) to LivQuik. During the registration process, or when you access the QuikWallet Mobile Application from a phone, your phone’s device ID may be stored. You agree that the Personal Information you provide to Company upon registration and at all other times will be true, accurate, current and complete. You agree to maintain and update this Personal Information to keep the Personal Information true, accurate, and complete.
  • You hereby authorize LivQuik, directly or through third parties, to make any inquiries we consider necessary to validate your identity and/or authenticate your identity and account information. This may include asking you for further information and/or documentation about your account usage or identity, or requiring you to confirm identification by furnishing KYC documentation, ownership of your email address, telephone number or financial instruments, among others. This process is for internal verification purposes.

You hereby authorize LivQuik, directly or through third parties, to make any inquiries we consider necessary to validate your identity and/or authenticate your identity and account information. This may include asking you for further information and/or documentation about your account usage or identity, or requiring you to confirm identification by furnishing KYC documentation, ownership of your email address, telephone number or financial instruments, among others. This process is for internal verification purposes.

  • The QuikWallet Account Holder shall be responsible for the security of QuikWallet Account and ensure all steps towards safekeeping and authorized use of QuikWallet.
  • LivQuik will initially ask the customer to generate a Password for the safety of QuikWallet Account of the customer.
  • The password should only be entered where prompted by LivQuik or third party platforms to authenticate the QuikWallet Transaction.
  • The QuikWallet Account Holder shall not disclose the password to anyone verbally, or in writing nor record it elsewhere.
  • The security of the Password is very important and breach of any of the above requirement shall amount to unauthorized use of QuikWallet without the LivQuik being liable for such use.
  • The QuikWallet Account is non-transferable.

QuikWallet Validity & Use


  • QuikWallet is issued and valid only in India and is available only for Citizens of India.
  • QuikWallet shall be valid up to the Six Months from last transaction date of QuikWallet account. The account will expire after the said validity period and any balance remaining in QuikWallet account will be forfeited by LivQuik.
  • QuikWallet shall be used on online & mobile platforms either owned by LivQuik or third party merchant platforms authorized by LivQuik.
  • QuikWallet Account Holder can deposit QuikWallet into their QuikWallet Account by using multiple funding sources. These are discussed in detail in the Deposit/Load QuikWallet.
  • QuikWallet Account Holder can use his Available Amount at these aforementioned platforms for transfers, payments, balance inquiry, mini statement and withdrawals to own bank account within India.
  • QuikWallet Account Holder cannot redeem the Available Amount for cash through any LivQuik or LivQuik authorized Merchant.
  • QuikWallet is governed and will continue to be governed by regulations of RBI on prepaid payment instruments (PPI). The QuikWallet FAQ can be referred to for seeing the latest transaction and account limits imposed by RBI.
  • By using QuikWallet, the Account Holder agrees to adhere to all such guidelines and rules prescribed from time to time by LivQuik Technology (India) Private Limited and RBI or any other regulatory body.
  • The QuikWallet Account Holder shall accept full responsibility for wrongful use of QuikWallet and which is in contravention of these terms and conditions. The Account Holder shall indemnify LivQuik Technology (India) Private Limited to make good any loss, damage, interest or any other financial charges that LivQuik Technology (India) Private Limited may incur and or suffer whether directly or indirectly as a result of the Account Holder committing violations of these terms and conditions.
  • LivQuik reserves the absolute discretion and liberty to decline or honor the authorization request on the QuikWallet without assigning any reason thereof.
  • The QuikWallet Account Holder agrees that he will not use the QuikWallet Account for payment of any illegal/unlawful purchases/purposes.
  • LivQuik may at its sole discretion, utilize the services of external service providers/or agents and on such terms as required or necessary, in relation to its products/services.
  • The amount that can be deposited in the QuikWallet Account is governed by policies laid down by RBI. These involve monthly limits, transaction limits as well as balance limits on the account.
  • In addition to RBI guidelines, LivQuik at its discretion, could impose further limits on the amount of money you deposit in your account. Please see our FAQ for more details on limits. If we have authenticated your identity, we may increase your deposit limits. These limits may change from time to time on LivQuik sole discretion.
  • The QuikWallet Account Holder can use multiple funding sources for depositing money in their account. These sources could be but not limited to Credit Cards, Debit Cards, Net Banking, and Transfer from another QuikWallet Account.
  • In order to manage risk, LivQuik may limit the funding sources available for your use to fund any particular transaction. For example, we may limit your funding sources for a particular transaction to debit cards or your net banking account.
  • Each funding source will have a different dispute resolution mechanism and the relevant mechanism will be followed should your transaction turn out to be unsatisfactory.
  • LivQuik will monitor each Deposit made into your QuikWallet Account to monitor high-risk & fraudulent transactions. If your deposit is classified as a high-risk transaction or is suspected of fraud, LivQuik will place a hold on the deposit and may ask you for more information on you and your funding source. LivQuik will conduct a review and either clear or cancel the deposit. If the deposit is cleared, LivQuik will notify you and update your QuikWallet Account. Otherwise, LivQuik will cancel the deposit and the funds will be forfeited by LivQuik. The said funds will be refundable only to source account upon valid demand raised by holder of source account. LivQuik will notify you by email and/or in the account history tab of your LivQuik account if the deposit is cancelled.
  • When you make a deposit, you are liable to LivQuik for the full amount of the deposit plus any fees if the deposit is later invalidated for any reason. This means that, in addition to any other liability, you will be responsible for the amount of the deposit, plus applicable fees if you lose a claim or a chargeback, or if there is a reversal of the deposit. If the owner of the funding source of a deposit later disputes the deposit or files a claim for a chargeback, the debit or credit card issuer or the originating bank, not LivQuik, will determine whether the dispute is valid and to whom payment is due. You agree to allow LivQuik to recover any amounts due to LivQuik by debiting your QuikWallet Account balance. If there are insufficient funds in your account to cover your liability, you agree to reimburse LivQuik through other means. If LivQuik is unable to recover the funds from your primary funding source, LivQuik may attempt to contact you, LivQuik may recover the funds from your alternate funding sources, or may take other legal actions to collect the amount due, to the extent allowed by applicable law.
  • QuikWallet Account Holder can choose to transfer Available Amount to other individuals who are citizens of India, using an email address or mobile number. The recipient of the transfer may or may not be a QuikWallet Account Holder.
  • The amount that can be transferred from the QuikWallet Account is governed by policies laid down by RBI which is currently Rs 5,000/- per transaction with a monthly ceiling of Rs 25,000/-.
  • In addition to RBI guidelines, LivQuik at its discretion, could impose further limits on the amount of money you can transfer from your account. If we have authenticated your identity, we may increase your transfer limits. These limits may change from time to time on LivQuik’s sole discretion.
  • If the transfer is made to another QuikWallet Account Holder, then QuikWallet will be moved immediately from your account to the recipients account. However, if the recipient has already exhausted any RBI or LivQuik imposed limit then the transfer will not be executed and QuikWallet retained in your account.
  • QuikWallet Account Holder can choose to use Available Amount to pay merchants in exchange of some goods or services provided by the merchant.
  • The merchants who accept QuikWallet as payment will be approved by LivQuik and the list of merchants will be advertised to QuikWallet Account Holders from time to time. The list of merchants could be amended without any intimation to the QuikWallet Account Holders.
  • If the QuikWallet Account Holder is unsatisfied with the service provided by the merchant or hasn’t received goods promised by the merchant then the Account Holder can raise a dispute with LivQuik after first raising and failing to get redressal of his grievance from the concerned merchant. Any such dispute should be raised within a period of 30 days from the date of the payment.
  • LivQuik will be the sole arbitrator in these disputes between the LivQuik Account Holder and the Merchant. LivQuik will conduct an investigation within 7 working days from the receipt of the complaint. The QuikWallet Account Holder may be required to furnish further information as judged suitable by LivQuik to rule on the validity of your dispute.
  • If the dispute is found valid, the amount charged for the payment will be refunded from the merchant and credited back to source within 7 to 10 working days. However, if the dispute is ruled in the favour of the merchant then your payment will not be refunded to your QuikWallet Account.
  • If you have a dispute with one or more QuikWallet users or QuikWallet participating Merchants relating to payment, LivQuik is not responsible for any such dispute and you hereby release Company (and our officers, directors, agents, joint ventures and employees) from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes.
  • You acknowledge and agree that this Agreement is between you and LivQuik, not with any third party (including, but not limited to, Apple®, Google®, any mobile carrier, or any Merchant (as defined above)), and that Company is solely responsible for the transaction processing services. Your use of the other services may be subject to separate agreements you may enter into with your mobile device operating system provider (e.g., Apple, Google or Microsoft®), your mobile device manufacturer (e.g., Apple, Samsung®), your mobile service carrier (e.g., Airtel or Vodafone®), and other parties involved in providing your mobile device service. Merchants as defined above, third party operating system providers such as Apple, Google, and Microsoft, your phone or other mobile device manufacturer, your wireless carrier or other network provider, any other product or service provider related to your mobile device service are collectively referred to as “Covered Third Parties.” You agree to comply with all applicable third party terms of agreement when using the third party services. Company is not a party to those agreements and has no responsibility for the products and services provided by third parties.
  • Please note that LivQuik has opened its application programming interface (“API”), so you may be subject to agreements with third parties when using a service that was not created by LivQuik. LivQuik has no liability or responsibility for your use of these third party services.
  • QuikWallet Account Holder can choose to withdraw the Available Amount to his linked bank account.
  • QuikWallet charges for Wallet to bank account transfer is Rs.3/- upto Transaction Amount Rs.150/- & 2% on Transaction amount Rs.151/- and above.
  • QuikWallet withdrawal will be allowed after 24 hours of loading balance as per FIFO method.
  • LivQuik reserves the right to delay withdrawals while we screen for risk, or request you provide additional information to verify your identity and we may limit the amount you can withdraw until the information is verified.
  • Any withdrawal found to be suspicious will be held back and reversed into the QuikWallet Account. The Account will also be suspended for operations and no transactions will be possible on this account pending an investigation. A notification will be given to you if you are the subject of an investigation. If you are able to provide a justification for the withdrawal to the satisfaction of LivQuik, your account will be removed from suspension and you would be free to transact using your Available Amount.
  • In the case of no information being provided by you for a suspended account – the account will continue to be suspended till its validity and the amount will be forfeited as required by RBI.
  • Your QuikWallet Account will automatically expire if no transactions have been executed in your QuikWallet Account for last 6 months.
  • 30 days prior to the expiration of your account, LivQuik will intimate you through your registered e-mail and / or SMS to your registered mobile number regarding the expiry of your QuikWallet Account.
  • If no response is received within next 15 days, second reminder will be sent to you intimating you of the same of the expiry of your QuikWallet Account.
  • If no response is received within 30 days of the first reminder, any Amount Available in your QuikWallet Account shall be forfeited to LivQuik. LivQuik reserves the right to recognize the forfeited amount as income in the books of account.
  • If your account is not under suspension – you may choose to transfer the Available Amount to an individual, or make payments at an authorized merchant or withdraw it to your linked bank account.
  • If your account is under suspension and is the subject of an investigation by LivQuik – you will not be able to use the Available Amount in your account till the account is removed from suspension. If you are unable to provide proof to remove the suspension and the validity expires, the Available Amount in your account will be forfeited as deemed by RBI.
  • QuikWallet Account Holder will be liable for all Transactions and for the related charges.
  • QuikWallet Account Holder accepts that at his request and risk LivQuik has agreed to provide him the QuikWallet & accepts full responsibility for all Transactions recorded by use of his QuikWallet.
  • An instruction given by means of the QuikWallet shall be irrevocable.
  • QuikWallet Account Holder shall, in all circumstances, accept full responsibility for the use of the QuikWallet, whether or not processed with his knowledge or his authority, expressed or implied.
  • QuikWallet Account Holder irrevocably authorizes LivQuik to debit the amounts utilized by using the QuikWallet for Transactions to his QuikWallet Account.
  • QuikWallet Account Holder should hold LivQuik indemnified and harmless for its actions in good faith and in the normal course of business based on Transactions.
  • LivQuik will employ its best efforts in carrying out the Transactions but will not incur any liability either to the QuikWallet Account Holder or any other person for any reason whatsoever including for its delay or inability to carry out a Transaction or an instruction.
  • LivQuik reserves the right at any time to charge the QuikWallet Account Holder any fees/ charges for the transactions carried out by you on QuikWallet. Details of applicable fees and charges can be obtained from LivQuik Website and are subject to change from time to time.
  • Any government charges, or debits, or tax payable as a result of the use of QuikWallet shall be QuikWallet Account Holder’s responsibility.
  • Amounts due and payable by QuikWallet Account Holder, if not paid separately shall be recovered by LivQuik from the Available Amount.
  • LivQuik may at its sole discretion withdraw or suspend QuikWallet or amend any of its features without notice to the QuikWallet Account Holder.
  • LivQuik shall have discretion for not to allow the Account Holder to carry out a transaction where it has reason to believe that the use of QuikWallet is not authorized or the Transaction appears not genuine or unclear or such as to raise a doubt.
  • LivQuik Technology (India) Private Limited, at its sole discretion, reserves the right to either temporarily or permanently withdraws the privileges on the instrument and/or cancel the instrument at any time without giving any notice or assigning any reason thereof. In case of temporary withdrawal, the privileges may be reinstated by LivQuik Technology (India) Private Limited as deemed fit. However, it is made distinctly clear the withdrawal (temporarily or permanently) shall constitute automatic withdrawal of all attendant benefits, privileges and services attached to the instrument. However, the Account Holder shall continue to be fully liable for all the charges incurred on the instrument prior to such withdrawal together will all other applicable charges thereon, unless other specified by LivQuik Technology (India) Private Limited.
  • Account balances held by you are held by LivQuik in an escrow account. These funds are not used operating expenses or any other corporate purposes, and are not made available to our creditors in the event of bankruptcy. While your funds are in our custody, LivQuik will combine your funds with the funds of other users and place those pooled accounts in the escrow account in Company’s name.
  • LivQuik can operate account only for settling the funds with the merchants or remittance recipients.
  • LivQuik is not a bank. Funds held by LivQuik or its service providers in connection with the processing of transactions are not insured for the benefit of the user by the Deposit Insurance and Credit Guarantee Corporation (DICGC)or any other governmental agency.
  • It ensures that in case LivQuik is defaulted the funds are secure and customers can claim the same from the Bank by providing appropriate proofs as deemed fit by the Bank.
  • The said escrow account is managed with Kotak Mahindra Bank.
  • LivQuik reserves the right at any time to charge the QuikWallet Account Holder fees/ charges for the transactions carried out by you on QuikWallet. Details of applicable fees and charges are subject to change from time to time.
  • Any government charges, or debits, or tax payable as a result of the use of QuikWallet shall be QuikWallet Account Holder’s responsibility.
  • Amounts due and payable by QuikWallet Account Holder, if not paid separately shall be recovered by LivQuik from the Available Amount.
  • LivQuik may at its sole discretion withdraw or suspend QuikWallet or amend any of its features without notice to the QuikWallet Account Holder.
  • LivQuik shall have discretion for not to allow the Account Holder to carry out a transaction where it has reason to believe that the use of QuikWallet is not authorized or the Transaction appears not genuine or unclear or such as to raise a doubt.
  • LivQuik Technology (India) Private Limited, at its sole discretion, reserves the right to either temporarily or permanently withdraws the privileges on the instrument and/or cancel the instrument at any time without giving any notice or assigning any reason thereof. In case of temporary withdrawal, the privileges may be reinstated by LivQuik Technology (India) Private Limited as deemed fit. However, it is made distinctly clear the withdrawal (temporarily or permanently) shall constitute automatic withdrawal of all attendant benefits, privileges and services attached to the instrument. However, the Account Holder shall continue to be fully liable for all the charges incurred on the instrument prior to such withdrawal together will all other applicable charges thereon, unless other specified by LivQuik Technology (India) Private Limited.
  • Account balances held by you are held by LivQuik in an escrow account. These funds are not used operating expenses or any other corporate purposes, and are not made available to our creditors in the event of bankruptcy. While your funds are in our custody, LivQuik will combine your funds with the funds of other users and place those pooled accounts in the escrow account in Company’s name.
  • LivQuik can operate account only for settling the funds with the merchants or remittance recipients.
  • LivQuik is not a bank. Funds held by LivQuik or its service providers in connection with the processing of transactions are not insured for the benefit of the user by the Deposit Insurance and Credit Guarantee Corporation (DICGC)or any other governmental agency.
  • It ensures that in case LivQuik is defaulted the funds are secure and customers can claim the same from the Bank by providing appropriate proofs as deemed fit by the Bank.
  • The said escrow account is managed with Kotak Mahindra Bank.

These Terms and Conditions and/or the Transactions shall be governed by Indian law and all courts in Mumbai shall have the exclusive jurisdiction as regards any claims or matters arising out of the use of QuikWallet.


THIS LIVQUIK USER AGREEMENT ("AGREEMENT") IS A CONTRACT BETWEEN YOU ("YOU" OR "USER") AND LIVQUIK TECHNOLOGY (INDIA) PVT. LTD. THIS AGREEMENT GOVERNS YOUR USE OF LIVQUIK'S MOBILE PAYMENT AND DIGITAL WALLET APPLICATION AND ALL RELATED SERVICES (COLLECTIVELY "QUIKWALLET"). TO USE QUIKWALLET, YOU MUST: (1) BE AT LEAST EIGHTEEN YEARS OLD AND A CITIZEN OR LEGAL RESIDENT OF INDIA; (2) READ, AGREE WITH, AND ACCEPT ALL THE TERMS AND CONDITIONS OF THIS AGREEMENT; AND (3) COMMUNICATE YOUR ACCEPTANCE OF THIS AGREEMENT BY CLICKING ON THE "REGISTER" BUTTON. IF YOU DO NOT CLICK ON THE "REGISTER" BUTTON, YOU WILL NOT BE ABLE TO USE THE QUIKWALLET APPLICATION ("APPLICATION") OR ACCESS QUIKWALLET. YOUR USE OF QUIKWALLET ALSO COMMUNICATES YOUR ACCEPTANCE OF THIS AGREEMENT, AS IT MAY BE MODIFIED FROM TIME TO TIME. THIS AGREEMENT INCLUDES THE PROVISIONS BELOW AND THE PROVISIONS OF LIVQUIK'S PRIVACY POLICY ("PRIVACY POLICY") AND E-SIGN POLICY ("E-SIGN POLICY"), BOTH OF WHICH ARE POSTED AT LIVQUIK'S WEBSITE WWW.QUIKWALLET.COM ("LIVQUIK'S WEBSITE"). THEREFORE, WHEN YOU ACCEPT THIS AGREEMENT, YOU ALSO ACCEPT LIVQUIK'S PRIVACY POLICY AND LIVQUIK'S E-SIGN POLICY. THE TERMS "YOU" AND "USER" ARE USED INTERCHANGEABLY IN THIS AGREEMENT, AND THE TERM "QUIKWALLET" INCLUDES THE "APPLICATION."

LivQuik reserves the right to modify this Agreement and the Privacy Policy, and any other applicable LivQuik agreements or policies relating to QuikWallet at any time in its sole and absolute discretion by posting the modifications on LivQuik's Website. Your use of QuikWallet after the posting of any modification on Quik's Website constitutes your acceptance of the modification. It is your responsibility to visit Quik's Website on a regular basis to obtain the latest updates of this Agreement, including the Privacy Policy. You can always find the most recent, updated versions of this Agreement and the Privacy Policy on LivQuik's Website.

QuikWallet consists of LivQuik's proprietary computer software, including the Application, and all software, tools, technology, documentation, components, and Internet-based services, including access to LivQuik's Website, that LivQuik supplies in connection with delivery of its mobile payment and related services to you. LivQuik reserves the right, in its sole and absolute discretion, to upgrade, add, delete, or modify features of QuikWallet at any time and from time to time, without notice.

QuikWallet allows you to store on LivQuik's host servers credit, debit, rewards, and other card information associated with card issuers that accept mobile payments via QuikWallet ("Card Issuers"). You then can access this information via a compatible smartphone or other compatible mobile device ("Mobile Device") for point of sale transactions with selected providers of goods and services that accept mobile payments via QuikWallet within India. LivQuik does not represent that all Mobile Devices are compatible with QuikWallet or that QuikWallet will function with all carriers of wireless services. Not all issuers of debit, credit, and other cards accept payments with QuikWallet, and not all sellers of goods and services accept QuikWallet. Payment with QuikWallet is available only at certain locations and only with certain compatible Mobile Devices. LivQuik reserves the right, in its sole and absolute discretion, to add or delete Card Issuers, Vendors, compatible Mobile Devices, and locations that accept QuikWallet at any time.

Payments you make with your Mobile Device ("Mobile Payments") are processed via electronic communication among sellers of the goods and services that you purchase that accept payment with QuikWallet ("Vendors"), Card Issuers, and the payment service providers and processors (collectively "Payment Processors") that process transactions for the Vendors and the Card Issuers. QuikWallet provides you with access to your card information and a means of communication among you, Vendors, Card Issuers, and Payment Processors. LivQuik is an independent contractor for all purposes of the QuikWallet services that it provides to you.

When you initiate a Mobile Payment to a Vendor, you authorize the Vendor, the Card Issuer, and the Payment Processor to implement the entire transaction, and you ultimately will receive a bill or other statement from the Vendor or the Card Issuer. You are responsible for all Mobile Payments that you make with QuikWallet.

LivQuik is not a bank, and it does not offer banking services as defined by the Reserve Bank of India.

LivQuik also does not offer money service business services as defined by the RBI.

LivQuik is not responsible for any of the products or services that you purchase or rewards or other incentives that you earn using a credit, debit, or rewards card that you access with QuikWallet. LivQuik is an independent contractor for all purposes of the QuikWallet services that it provides to you. Complaints regarding products, services, and rewards and incentives programs must be directed to the Vendor and, in the case of complaints regarding rewards, you may have recourse to the Card Issuer or another third party involved in providing or administering the rewards program. You also may have certain refund, reversal, chargeback, or other rights with respect to the Card Issuer pursuant to your agreement with the Card Issuer or under applicable law.

You are responsible for all payments, fees, interest, penalties, and similar charges relating to your credit and debit cards and your purchases with QuikWallet. You must comply with the terms and conditions of your agreements with your Card Issuers and, if applicable, the card networks and associations with which they are associated (collectively "Networks"). You are responsible for all fees and charges imposed by your Internet and Mobile Device service providers and compliance with the terms and conditions of your agreements with them. LivQuik urges you to retain the originals of all of your credit, debit, gift, rewards, and other cards in a safe place, such as a safe or other secure location at home or in a bank safe deposit box, because the occasion may arise when it is necessary or desirable to have an original of one or more of your Cards.

When you open a QuikWallet account, you must provide LivQuik with certain personally identifiable information ("Personal Information"). Personal Information may include the following: your name and e-mail address; your mailing address; your Internet browser type and Internet Protocol address; your credit, debit, rewards, and other card information [which may include your card permanent account number (PAN), card issuer, card type (e.g., Visa), card expiration date, card security code, name of card holder, and card billing address]; your date of birth; your Aadhaar number; a password that you create; and a personal identification number that you create (PIN). When you use QuikWallet, some of the Personal Information described in the preceding sentence, as well as other information relating to your transaction that also may be Personal Information, including the date, amount, and location of the transaction, will be shared among LivQuik, Vendors, Card Issuers, and Payment Processors. You must keep your Personal Information up to date. LivQuik, Vendors, and Card Issuers also may use QuikWallet to offer you promotions, incentives, contests, rewards, credits, and coupons. By opening a QuikWallet account, and each time you use QuikWallet, you consent to the sharing of your Personal Information as described in this Agreement (including the Privacy Policy) and authorize LivQuik to retain your Personal Information to comply with regulatory requirements and the requirements of Vendors, Card Issuers, Payment Processors, and the Networks.

When you open a QuikWallet account, and each time that you use or access QuikWallet, you represent and warrant to Quik that
(1) you are at least 18 years old,
(2) you are a citizen or a legal resident of India,
(3) all Personal Information that you have provided to LivQuik is complete and accurate in all material respects, You may not use QuikWallet if you are a resident of a country embargoed by India or are a foreign person or entity embargoed, blocked, or denied entry or other privileges by any governmental authority or agency of India.

LivQuik hereby grants you a personal, revocable, non-exclusive, non-transferable, limited license ("License") to use QuikWallet (which includes the Application) for personal use on a computer, tablet or Mobile Device in accordance with and subject to all the terms and conditions contained in this Agreement. LivQuik reserves all rights not expressly granted to you in this Agreement. Your use of QuikWallet is strictly limited to use of your computer or Mobile Device for the purpose of accessing your credit card, debit, or rewards card information to make or review mobile payments ("Mobile Payments") for goods and services with those credit, debit, rewards, and similar cards for which you activate access via QuikWallet. You may not use the License or QuikWallet for any other purpose. Any other use of the License or QuikWallet is strictly prohibited, and you may not sublicense or otherwise grant any third party permission to use QuikWallet on your behalf or on behalf of such third party or any other party. You shall not copy, publish, reproduce, alter, modify, adapt, create derivative works from, sell, license, distribute, share, publicly display, republish, upload, post, transmit, decompile, decipher, or reverse engineer QuikWallet or any information or material that is a component of or otherwise associated with QuikWallet, which information and material includes the intellectual property of Quik described in the following paragraph. You shall not attempt to work around, bypass, or circumvent any of the technical features or aspects of QuikWallet.

LivQuik Technology (India) Private Limited., QuikWallet, the LivQuik and QuikWallet logos, the graphics, icons, and the scripts used in connection with QuikWallet on your computer or Mobile Device, LivQuik's & QuikWallet's Website, or elsewhere are trade dress, service marks, trademarks, or registered trademarks of LivQuik Technology (India) Private Limited., QuikWallet, LivQuik's Website, and their contents, features, and related software are protected by trade dress, copyright, service mark, trademark, patent, trade secret, and other laws, and by international treaties, the laws of India and other nations, and other intellectual property protections. LivQuik reserves all present and future intellectual property rights throughout the world, and the License granted to you pursuant to this Agreement only permits you to use QuikWallet in strict compliance with all the terms and conditions of this Agreement. LivQuik's reserved intellectual property rights include, without limitation, the following: all patent, trademark, service mark, trade secret, and trade dress rights; all copyrights; all mask work rights, rights of publicity, and moral rights; and all associated goodwill.

When you open a QuikWallet account, you must provide LivQuik with Personal Information. When you use QuikWallet, some of this Personal Information, and additional Personal Information relating to your transactions, will be disclosed to and shared among LivQuik, Vendors, Card Issuers, Payment Processors, and third parties contracted by or otherwise affiliated with LivQuik that provide products or services that are necessary or desirable to assure the performance and functionality of QuikWallet (collectively "LivQuik Contractors").

LivQuik has expended considerable time, effort, and resources, and implemented technical and organizational measures, to maintain the security of your Personal Information. However, LivQuik cannot and does not guarantee that your Personal Information is impervious to all breaches of security through interception, hacking, or other means. Operation of QuikWallet, LivQuik's host servers, and communication and other links among LivQuik, Vendors, Card Issuers, and Card Processors may be interfered with by numerous factors beyond LivQuik's or their control.

Vendors, Card Issuers, and Payment Processors cannot process a Mobile Payment without identifying certain Personal Information, including name, card type, card permanent account number, card expiration date, card security code, transaction details, transaction authorization code, and billing address. By opening a QuikWallet account and by using QuikWallet, you consent to the transmission of Personal Information to LivQuik and authorize LivQuik and its agents to receive, record, store, and process your Personal Information and permit Vendors, Card Issuers, Payment Processors, and LivQuik Contractors access to it as reasonably necessary or desirable to facilitate Mobile Payments and to maintain and improve the services that QuikWallet provides. You also authorize Vendors, Card Issuers, Payment Processors, and LivQuik Contractors to receive, record, store, and process your Personal Information as reasonably necessary or desirable to facilitate Mobile Payments and to maintain and improve the services that QuikWallet provides.

The scope and use of your Personal Information by LivQuik are described in and subject to the terms and conditions of this Agreement and LivQuik's Privacy Policy, which forms an integral part of this Agreement. LivQuik's use of your Personal Information is subject to the Privacy Policy. As provided in the Privacy Policy, you cannot opt-out of the disclosure or sharing of Personal Information that is necessary or desirable for the functionality of QuikWallet, but you may have the right to opt-out of the disclosure or sharing of Personal Information for marketing purposes. Please find the most recent version of LivQuik's Privacy Policy here. Card Issuers, and some Vendors, will have their own privacy policies regarding your Personal Information. LivQuik has no responsibility for those policies.

Under no circumstance shall you use QuikWallet for any purpose other than to facilitate an authorized Mobile Payment. You shall not access or use QuikWallet in any manner that
(1) is unauthorized, deceptive, fraudulent, or unlawful, or that gives rise to civil liability,
(2) uses technology or any other means to improperly access or monitor LivQuik or any Vendor, Card Issuer, Payment Processor, or LivQuik Contractor,
(3) uses technology or any other means to improperly access, monitor, or use any material or data or proprietary or confidential information of LivQuik, any Vendor, Card Issuer, Payment Processor, or LivQuik Contractor, or any party that uses the services of LivQuik or any Vendor, Card Provider, Payment Processor, or LivQuik Contractor, (4) uses any automated system, such as "robots," "spiders," "scrapers," or "offline readers" to (a) improperly access or monitor LivQuik or any Vendor, Card Issuer, Payment Processor, or LivQuik Contractor, or any party that uses the services of LivQuik or any Vendor, Card Provider, Payment Processor, or LivQuik Contractor, or (b) improperly access, monitor, or use any material or data or proprietary or confidential information of LivQuik or any Vendor, Card Issuer, Payment Processor, or LivQuik Contractor, or any party that uses the services of LivQuik or any Vendor, Card Provider, Payment Processor, or LivQuik Contractor, (5) attempts to introduce spam, viruses, worms, Trojan horses, or any other computer codes, files, or programs that damage, disable, overburden, interrupt, impair, limit, or interfere with the functionality of any computer or telecommunications software, hardware, or network, including QuikWallet, (6) attempts to gain unauthorized access to LivQuik's host servers, computer networks, or user or merchant accounts, (7) attempts to damage, disable, overburden, interrupt, impair, limit, or interfere with LivQuik's servers or networks, (8) attempts to modify the code or functionality of QuikWallet, or (9) violates this Agreement.

You agree not to use QuikWallet to make Mobile Payments for any of the following purposes or in connection with any of the following transactions: (1) any illegal activity; (2) infomercial purchases; (3) internet, mail order, or telephone order prescriptions or services (where fulfillment of medication is performed with an internet or telephone consultation, absent a physical visit with a physician, including re-importation of pharmaceuticals from foreign countries); (4) prepaid phone cards or phone services; (5) sales of money-orders or foreign currency by non-financial institutions; (6) betting, including lottery tickets, casino gaming chips, off-track betting, wagers at races, and gambling establishments; (7) financial institutions offering manual or automated cash disbursements; (8) bill payment services; (9) wire transfer money orders; (10) drug paraphernalia; (11) internet, mail order, or telephone order cigarette, tobacco, or wine or liquor purchases; (12) adult entertainment oriented products or services, including internet, telephone, and printed material; (13) hate products and occult materials; (14) escort services; (15) internet, mail order, or telephone order firearm or weapon purchases; (16) airline tickets and services; (17) cruise line tickets and services; (18) collection agency services; (19) credit counseling or repair agencies or debt elimination or reduction services; (20) credit protection or identity theft protection services; (21) direct marketing or continuity or subscription offers or services; (22) multi-level marketing products or services; (23) telemarketing purchases; (24) multi-level marketing program purchases; (25) buyers or membership club purchases; (26) bankruptcy attorney services; (27) purchases from financial institutions offering merchandise and services; and (28) purchases outside of the United States.

If any of the activities or transactions described above occurs, LivQuik shall have the right, in its sole and absolute discretion and without prior notice, to suspend or terminate your License to use QuikWallet, but LivQuik shall have no obligation to do so and LivQuik shall not be responsible for any failure or delay in doing so or taking any other action.

Nothing contained in this Agreement or the Privacy Policy supersedes or limits your obligations under any agreement you may have with a Card Issuer, including obligations regarding granting permission to third parties to use your credit, debit, or rewards card, and you shall comply at all times with those obligations. If you grant permission to another person to use QuikWallet to access your stored credit, debit, or rewards card information in violation of this Agreement or your agreement with a Card Issuer, you do so at your own risk. The granting of such permission shall not relieve you of your responsibilities under this Agreement, and the person to whom you have granted permission also shall be bound by this Agreement. If we believe that a Mobile Payment or other use of QuikWallet violates this Agreement or any applicable law or regulation, we may decline to process the Mobile Payment or otherwise suspend your use of QuikWallet without prior notice. In the case of a reasonable suspicion that you are using QuikWallet for an illegal purpose, you acknowledge and agree that we may share information regarding you and your use of QuikWallet with law enforcement authorities.

You shall immediately notify LivQuik and the applicable Card Issuer of any inaccurate, unauthorized, or fraudulent Mobile Payment transaction or any breach of security (such as use of your PIN). Do not share your PIN. You are responsible for all transactions made in whole or in part via your QuikWallet account. LivQuik shall not be responsible for any losses arising out of the loss or theft of Personal Information or from inaccurate, unauthorized, or fraudulent Mobile Payment transactions. Your liability for inaccurate, unauthorized, or fraudulent Mobile Payment transactions is governed by your agreement with the applicable Card Issuer. Your sole remedy against LivQuik with respect to any inaccurate, unauthorized, or fraudulent Mobile Payment transaction is to terminate this Agreement and not make any further Mobile Payments using QuikWallet.

You agree that LivQuik may provide notices and disclosures required by law and other information to you regarding QuikWallet and this Agreement (including the Privacy Policy and the E-Sign Policy) by posting it on LivQuik's Website or by sending you an e-mail at the e-mail address you use in connection with your QuikWallet account. Upon your acceptance of this Agreement, you confirm that you have read, understood, and accepted LivQuik's Privacy Policy. Notices and disclosures posted on QuikWallet's or LivQuik's Website or e-mailed to you shall be deemed effective 24 hours after posting or e-mailing. It is your responsibility to visit QuikWallet's and/or LivQuik's Website on a regular basis to obtain notices, disclosures, and the latest updates of this Agreement, including the Privacy Policy and the E-Sign Policy. It also is your responsibility to update your Personal Information as it may change from time to time, including your e-mail address. You agree that electronic notices and disclosures have the same meaning and effect as if provided in a paper format. You acknowledge your understanding that email messages may not be secure, may contain computer viruses or other defects, may not be accurately replicated on other systems, or may be intercepted, deleted or interfered with without the knowledge of the sender or the intended recipient. LivQuik makes no warranties in relation to these matters.

LIVQUIK IS PROVIDING QUIKWALLET TO USER ON AN "AS IS" AND "AS AVAILABLE" BASIS AND WITHOUT ANY EXPRESS, IMPLIED, OR STATUTORY WARRANTY. USER ASSUMES THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF QUIKWALLET. WRITTEN OR ORAL ADVICE OR INFORMATION THAT YOU MAY OBTAIN FROM LIVQUIK THROUGH QUIKWALLET OR LIVQUIK'S WEBSITE, INCLUDING THROUGH COMMUNICATION WITH LIVQUIK'S CUSTOMER SUPPORT DEPARTMENT, DO NOT CREATE ANY EXPRESS OR IMPLIED WARRANTIES. QUIK'S ONLY WARRANTIES AND OTHER OBLIGATIONS TO USER ARE CONTAINED IN AND ARE LIMITED BY THIS AGREEMENT.

ANY MATERIAL DOWNLOADED OR OTHERWISE RECEIVED THROUGH QUIKWALLET OR LIVQUIK'S WEBSITE IS DONE AT YOUR OWN DISCRETION AND RISK, AND YOU ALONE ARE RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER, MOBILE DEVICE, OR STORED DATA AS A RESULT OF SUCH DOWNLOADING OR RECEIPT OR USE OF QUIKWALLET OR LIVQUIK'S WEBSITE, INCLUDING ALL REPAIR AND REPLACEMENT COSTS. LIVQUIK DOES NOT WARRANT, GUARANTEE, ENDORSE, OR ASSUME RESPONSIBILITY FOR ANY GOODS OR SERVICES ADVERTISED, OFFERED, OR SOLD BY A THIRD PARTY THROUGH QUIKWALLET OR QUIK'S WEBSITE, WHETHER DONE DIRECTLY OR THROUGH BANNERS OR BY MEANS OF A HYPERLINK TO ANOTHER WEBSITE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LIVQUIK SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, LIVQUIK DOES NOT WARRANT OR GUARANTEE THAT (1) QUIKWALLET WILL OPERATE ON AN UNINTERRUPTED BASIS OR BE AVAILABLE AT ALL TIMES AND ALL PLACES OF BUSINESS, OR (2) THE SECURITY OF YOUR PERSONAL INFORMATION WILL NOT BE BREACHED, OR (3) PERSONAL INFORMATION OR OTHER DATA TRANSMITTED OR STORED IN CONNECTION WITH QUIKWALLET (INCLUDING AS PART OF A MOBILE PAYMENT TRANSACTION) WILL BE SUCCESSFULLY, ACCURATELY, OR SECURELY TRANSMITTED OR STORED, OR (4) QUIKWALLET IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR (5) GOODS AND SERVICES PROVIDED BY THIRD PARTIES WILL BE OF THE NATURE OR QUALITY REPRESENTED BY THE PROVIDER OR REQUIRED BY LAW.

YOU ACKNOWLEDGE AND AGREE THAT ALL OF THE DISCLAIMERS OF WARRANTY CONTAINED IN THE PRECEDING PARAGRAPHS OF THIS "DISCLAIMER OF WARRANTIES" SECTION OF THIS AGREEMENT ARE FUNDAMENTAL ELEMENTS OF THIS AGREEMENT AND THAT LIVQUIK WOULD NOT PROVIDE QUIKWALLET OR ACCESS TO LIVQUIK'S WEBSITE TO YOU WITHOUT THEM.

APPLICABLE LAW MAY NOT PERMIT SOME OR ALL OF THE FOREGOING DISCLAIMERS OF WARRANTY, SO SOME OR ALL OF THEM MAY NOT APPLY TO YOU. YOU MAY HAVE OTHER RIGHTS, WHICH VARY FROM STATE TO STATE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT, INCLUDING, WITHOUT LIMITATION, A NEGLIGENT ACT OR A NEGLIGENT OMISSION OR FAILURE TO ACT, SHALL LIVQUIK OR ANY OF ITS SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, AFFILIATES, OR CONTRACTORS BE RESPONSIBLE OR LIABLE TO USER OR ANY THIRD PARTY (1) BASED ON THE USE OR PERFORMANCE OF QUIKWALLET OR LIVQUIK'S WEBSITE, INCLUDING PERFORMANCE OF A MOBILE PAYMENT TRANSACTION THAT INVOLVES THE USE OF QUIKWALLET AT ANY STAGE OF A MOBILE PAYMENT TRANSACTION; OR (2) FOR ANY INTERRUPTION, UNAVAILABILITY, OR CESSATION OF QUIKWALLET SERVICE OR LIVQUIK'S WEBSITE; OR (3) BASED ON A BREACH OF SECURITY OR UNAUTHORIZED ACCESS TO LIVQUIK'S SERVERS OR ANY PERSONAL INFORMATION OR OTHER DATA STORED ON LIVQUIK'S SERVERS; OR (4) BASED ON A BREACH OF SECURITY OR UNAUTHORIZED ACCESS TO YOUR COMPUTER OR MOBILE DEVICE OR ANY PERSONAL INFORMATION OR OTHER DATA STORED ON THEM; OR (5) FOR THE NATURE OR QUALITY OF A GOOD OR SERVICE THAT YOU PURCHASE WITH QUIKWALLET OR OTHERWISE THROUGH LIVQUIK'S WEBSITE; OR (6) FOR PERSONAL INJURY OR PROPERTY DAMAGE OF ANY KIND WHATSOEVER THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO QUIKWALLET OR LIVQUIK'S WEBSITE; OR (7) FOR ANY BUGS, VIRUSES, TROJAN HORSES, WORMS, OR SIMILAR OR RELATED MALWARE THAT A THIRD PARTY MAY TRANSMIT VIA QUIKWALLET OR LIVQUIK'S WEBSITE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LIVQUIK OR ANY OF ITS SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, AFFILIATES, OR CONTRACTORS BE RESPONSIBLE OR LIABLE TO USER OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY (PUNITIVE) DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR ANY OF THE FOLLOWING: LOSS OF GOODWILL; LOSS OF PROFITS; LOSS, THEFT, OR CORRUPTION OF PERSONAL INFORMATION OR OTHER DATA; LOSS OF USE OR OTHER INTANGIBLE LOSSES; THE INABILITY TO USE QUIKWALLET OR LIVQUIK'S WEBSITE; OR COMPUTER OR MOBILE DEVICE FAILURE OR MALFUNCTION.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL USER OR ANY THIRD PARTY BE ENTITLED TO ANY REMEDY FOR DAMAGES OTHER THAN DIRECT, ACTUAL DAMAGES, THE TOTAL AGGREGATE AMOUNT OF WHICH DAMAGES SHALL NOT EXCEED INR 50, REGARDLESS OF WHETHER THE DAMAGES ARE BASED ON BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), STATUTE, OR ANY OTHER BASIS.

YOU ACKNOWLEDGE AND AGREE THAT ALL OF THE LIMITATIONS CONTAINED IN THE PRECEDING PARAGRAPHS OF THIS "LIMITATION OF LIABILITIES" SECTION OF THIS AGREEMENT (1) ARE FUNDAMENTAL ELEMENTS OF THIS AGREEMENT AND THAT LIVQUIK WOULD NOT PROVIDE QUIKWALLET OR ACCESS TO QUIK'S WEBSITE TO YOU WITHOUT THEM, AND (2) APPLY REGARDLESS OF WHETHER THE REMEDY SOUGHT IS BASED ON BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), STATUTE, OR OTHERWISE.

APPLICABLE LAW MAY NOT PERMIT SOME OR ALL OF THE FOREGOING LIMITATIONS OF LIABILITY, SO SOME OR ALL OF THEM MAY NOT APPLY TO YOU. YOU MAY HAVE OTHER RIGHTS, WHICH VARY FROM STATE TO STATE.

To the maximum extent permitted by applicable law, upon demand by LivQuik, User shall indemnify, defend, and hold LivQuik and its shareholders, officers, directors, employees, agents, representatives, contractors, and affiliates, and their respective owners, shareholders, officers, directors, managers, employees, agents, representatives, and contractors free and forever harmless from and against any and all claims, demands, actions, causes of action, damages, liabilities, judgments, costs, expenses (including attorneys' and other professionals' fees), interest, taxes, fines, and penalties that arise from or relate to User's actual or alleged (a) misuse of QuikWallet, (b) violation of this Agreement, (c) breach of any representation or warranty of User in this Agreement, (d) violation of the rights of any third party, or (e) violation of any applicable federal, state, or foreign law or regulation. LivQuik reserves the right to assume the exclusive defense and control of any matter subject to indemnification by User, in which event User shall cooperate with LivQuik in the defense of the matter and pay all costs and expenses LivQuik incurs in such defense, including attorneys' fees and other professionals' fees.

If you have a claim, demand, complaint, controversy, or dispute of any kind whatsoever that relates to or arises from this Agreement, QuikWallet, or the relationship between us (each, a "Dispute"), please contact our Customer Support Department by e-mail at support@livquik.com and we will do our best to resolve the Dispute with you. However, please recall that, as this Agreement states in several places, LivQuik is not responsible for the acts or failures to act of third parties or for products and services provided by third parties. If you have a complaint about a product, you must contact the Vendor and, perhaps, the distributor or manufacturer. If you have a dispute regarding a credit card bill, you must contact your Card Issuer and, perhaps, the Vendor. If you have a complaint or dispute regarding loyalty points or other rewards, you must contact the applicable Vendor or Card Issuer. LivQuik has no responsibility for such matters, and the term "Dispute" does not include third-party complaints or disputes with third parties.

If LivQuik has a claim, demand, complaint, controversy, or dispute of any kind whatsoever with you that relates to or arises from this Agreement, QuikWallet, or the relationship between us, LivQuik's claim, demand, complaint, or dispute shall be deemed a "Dispute" and, before initiating arbitration on the terms and conditions set forth in Section 14 below, LivQuik first shall contact you and attempt to resolve the Dispute on an informal basis.

The term "Dispute" includes claims, demands, complaints, controversies, and disputes of every kind and nature whatsoever, including those based on contract, tort, statute, law, equity, or any other legal theory.

Summary: In the unlikely event that, after contacting our Customer Support Department to resolve a Dispute with LivQuik on the informal basis contemplated by Section 13 above, the Dispute remains unresolved, you and LivQuik agree to resolve the Dispute through binding arbitration by the Indian Council of Arbitration ("ICA"). If LivQuik has a Dispute with you that it has not been able to resolve on the informal basis contemplated by Section 13, LivQuik also agrees to resolve the Dispute through binding arbitration by the ICA.

Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or a jury, generally permits less discovery than is available in a court proceeding, and the arbitrator's decision or award is subject to very limited court review. The arbitrator can award the same damages and relief that a judge or other court official could award if a Dispute relating to or arising from this Agreement were the subject of a court proceeding. However, arbitration under this Agreement will be on an individual basis. That is, we agree that class arbitrations, class actions, private attorney general actions, and other group or collective actions are not permitted under this Agreement.

If you initiate arbitration of a Dispute that is not frivolous, LivQuik will pay all filing, administration, and arbitrator fees, regardless of whether the arbitrator decides in favour of you or LivQuik. If, however, the arbitrator decides that either the substance of your Dispute or the relief you sought is frivolous or brought for an improper purpose, then the payment of all such fees will be governed by the applicable rules of the ICA. The arbitrator may award attorneys' fees and costs in accordance with applicable law, but LivQuik agrees that it shall not be entitled to attorneys' fees, even if the arbitrator decides in favour of LivQuik, unless the arbitrator determines that either the substance of your Dispute or the relief you sought is frivolous or brought for an improper purpose, in which case the payment of attorneys' fees shall be governed by the applicable rules of the ICA.

Arbitration Agreement: The following provisions shall apply to arbitration under this User Agreement:

(a) To the maximum extent permitted by law, you and LivQuik agree to resolve any and all Disputes that have not been resolved through the informal process contemplated by Section 13 above by submitting the unresolved Dispute to binding arbitration by the Indian Council of Arbitration (www.icaindia.co.in) in accordance with its Commercial Arbitration Rules and the Supplementary Procedures for Consumer-Related Disputes (collectively, the "Rules"). Except as otherwise specifically provided in this Agreement, the arbitration shall be conducted in accordance with the Rules (including the Optional Rules for Emergency Measures of Protection), and judgment on the arbitrator's award may be entered in any appropriate court that has jurisdiction;

(b) You may access the Rules, which are subject to change by the ICA from time to time, at www.icaindia.co.in. You or LivQuik may initiate arbitration of a Dispute in the manner provided for in the Rules, except that you or LivQuik, as applicable, must commence arbitration within one (1) year after the occurrence of the event or the act or the failure to act on which the Dispute is based;

(c) There shall be a single arbitrator, and you and LivQuik must agree upon the arbitrator within the time period and in the manner provided by the Rules. If you and LivQuik are unable to agree upon an arbitrator, the ICA shall select the arbitrator in accordance with the Rules. The arbitrator shall have at least ten (10) years of experience as an arbitrator and shall be knowledgeable of the specific subject matter of the Dispute. Unless you and LivQuik agree otherwise, the arbitration shall be conducted in the City of Mumbai, State of Maharashtra.

(c) There shall be a single arbitrator, and you and LivQuik must agree upon the arbitrator within the time period and in the manner provided by the Rules. If you and LivQuik are unable to agree upon an arbitrator, the ICA shall select the arbitrator in accordance with the Rules. The arbitrator shall have at least ten (10) years of experience as an arbitrator and shall be knowledgeable of the specific subject matter of the Dispute. Unless you and LivQuik agree otherwise, the arbitration shall be conducted in the City of Mumbai, State of Maharashtra.

(d) As provided in the Rules, you or LivQuik may seek interim measures (such as a temporary injunction), or in separate judicial proceeding limited to temporary, interim relief. The arbitrator shall have the discretion and authority to order such depositions as the arbitrator considers necessary for a full and fair exploration of the issues the Dispute presents, consistent with the nature of an arbitration proceeding conducted in accordance with the Rules;

(e) The arbitrator shall issue a reasoned written explanation of the legal and factual basis of the arbitrator's award that is sufficient to explain the essential findings and conclusions on which the award is based. The arbitrator's award shall be final and binding, and it may be entered as a judgment in any appropriate court that has jurisdiction. LivQuik shall pay all filing, administration, and arbitrator fees, regardless of whether the arbitrator decides in favour of you or LivQuik, unless the arbitrator determines that either the substance of your Dispute or the relief you sought is frivolous or brought for an improper purpose, in which case the payment of all such fees will be governed by the Rules. The arbitrator may award attorneys' fees and costs in accordance with applicable law, but LivQuik agrees that it shall not be entitled to attorneys' fees, even if the arbitrator decides in favour of LivQuik, unless the arbitrator determines that either the substance of your Dispute or the relief you sought is frivolous or brought for an improper purpose, in which case the payment of attorneys' fees shall be governed by the Rules;

(f) YOU AND QUIK AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS MEMBER, OR REPRESENTATIVE OF ANY PURPORTED CLASS OR OTHER GROUP IN A CLASS ACTION, PRIVATE ATTORNEY GENERAL, OR OTHER REPRESENTATIVE OR COLLECTIVE PROCEEDING. FURTHER, UNLESS YOU AND LIVQUIK AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE, CLASS, OR COLLECTIVE PROCEEDING. IF THIS SPECIFIC PROVISION IS FOUND TO BE UNENFORCEABLE, THEN THE ENTIRETY OF THE ARBITRATION AGREEMENT PROVIDED FOR IN THIS SECTION 14 SHALL BE NULL AND VOID. IF ANY OTHER PROVISION OF THIS SECTION 14 IS FOUND TO BE UNENFORCEABLE, IT SHALL BE SEVERED AND THE REMAINING ARBITRATION PROVISIONS SHALL BE ENFORCED (BUT IN NO CASE SHALL THERE BE A CLASS ARBITRATION OR SIMILAR PROCEEDING);

(g) YOU AND LIVQUIK ACKNOWLEDGE AND AGREE THAT, BY AGREEING TO RESOLVE DISPUTES BETWEEN US THROUGH ARBITRATION, EACH OF US IS WAIVING THE RIGHT TO A TRIAL BY JURY; AND

(h) This Agreement evidences a transaction in interstate commerce. The arbitration provisions of this Agreement shall survive termination of this Agreement. For purposes of this Agreement, the term "LivQuik." And "QuikWallet" includes its shareholders, officers, directors, employees, agents, representatives, contractors, and affiliates.

You may terminate this Agreement at any time for any reason or no reason by closing your QuikWallet account. If you wish to do so, contact LivQuik's Customer Support Department by you may contact LivQuik by e-mail at support@livquik.com. LivQuik may terminate this Agreement and close your QuikWallet account, or suspend your QuikWallet account, at any time for any reason or no reason upon notice to you. Extended inactivity may result in a suspension or termination of this Agreement and your License. If you or LivQuik terminate this Agreement, your License also is terminated and you must discontinue all use of QuikWallet. Upon termination, LivQuik may, but is not obligated to, delete your Personal Information and other information relating to you and your account. Federal or state law may require that LivQuik maintain information for a number of years for regulatory or law enforcement purposes. Rules of the Networks also may require record retention for extended periods.

Upon termination of this Agreement by you or LivQuik, provisions of this Agreement that reasonably must remain in effect to enforce or to accomplish the intent of this Agreement shall survive termination. These surviving provisions include, without limitation, the provisions of this Agreement concerning collection and sharing of Personal Information (Section 4), representations and warranties (Section 5), intellectual property protection (Section 6), disclaimer of warranties (Section 10), limitation of liability and damages (Section 11), indemnification (Section 12), informal dispute resolution and arbitration (Sections 13 and 14), governing law, jurisdiction, and venue (Section 16), and the miscellaneous provisions contained in Section 18. Termination shall not affect any obligations that you may have to third parties, such as the obligation to pay for completed Mobile Payments. You shall not be entitled to any compensation, reimbursement, or damages in the event LivQuik terminates this Agreement or suspends your QuikWallet account, which it may do for any reason or no reason.

This Agreement is governed by the laws of India and the city of Mumbai, user consents to the exclusive jurisdiction of the courts in Mumbai, in the event of any legal proceeding relating to or arising from this Agreement or QuikWallet in connection with any matter that is not subject to binding arbitration as provided above in this Agreement. The preceding sentence shall not constitute a waiver of the parties' agreement that, to the maximum extent permitted by law, all complaints and disputes between them shall be resolved by binding arbitration.

If you need to communicate with LivQuik for any reason, such as for technical support, to resolve a Dispute, to close you QuikWallet account, or to opt-out of the sharing of Personal Information regarding which you have the right to opt-out, contact LivQuik's Customer Support Department by e-mail at support@livquik.com.

This Agreement (including the Privacy Policy), as modified from time to time as provided in this Agreement, constitutes the entire agreement between User and LivQuik, and there are no oral or written agreements or understandings or representations and warranties between the parties except as expressly set forth in this Agreement. In the event of any conflict between the provisions of this Agreement (which includes the Privacy Policy) and any other LivQuik agreement or policy, the provisions of this Agreement shall control. No waiver of any provision of this Agreement shall constitute a continuing waiver or a waiver of any other provision of this Agreement. No provision of this Agreement is intended to be for the benefit of or enforceable by any third party. Except as provided in subsection (f) of Section 14 of this Agreement (which is entitled "Disputes and Binding Arbitration"), if any provision of this Agreement is for any reason declared invalid or unenforceable by reason of the laws of the India, the validity of any of the remaining provisions shall not be affected and such remaining provisions shall remain in full force and effect as if User and LivQuik had entered into this Agreement without the invalidated provision.