Terms & Conditions of Usage

As a client who is interested in taking therapy sessions there are certain terms of usage and conduct that you are automatically bound to. You are suggested to do a read through and familiarise yourselves.

This document is an agreement as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and user agreement for access or usage of www.therappo.com website.

  • The "Company" refers to ExperteasePrivate Limited. and its affiliates.
  • The "website" or "portal" refers to www.therappo.com: This portal is run and managed by ExperteasePrivate Limited, Mumbai, India, providing the online portal for patients to seek counselling and mental health advice/therapy from Mental health practionioners/therapists/Counsellors registered on this portal in accordance with the terms of Therapist Sign up agreement.
  • "User" refers to any person using this online portal. The term “User” also includes therapists and patients who has registered on the portal. However, in the terms of use wherever “user” is used it applies to both above mentioned parties, and where the terms “therapist” or “user” are used, the said clause applies only to the mentioned party.
  • "Therapist" refers to the medical health practitioners signing up online on the portal www.therappo.com
  • "Therapy" refers to services provided by the therapists on the portal.
Your use of a ExperteasePrivate Limited websites {including www.therappo.com(hereinafter referred to as "the Website/the portal") and its related sites, services and tools} is governed by the following terms and conditions as applicable to the Website and the general principles for other websites of our subsidiaries and international affiliates. This Terms of Use for the Website shall come into effect on hours India Standard Time 2nd July, 2016 ("Terms of Use"). You are contracting with Expertease Private Limited, a company incorporated with registered office at Expertease Platforms , ZNation Lab, 32 Corporate Avenue,7th Floor, B-Wing, Off Mahakali Caves Rd, Andheri (E) ,Mumbai - 400069, Maharashtra, India. These terms and conditions constitute your binding obligations towards these respective contracting entities (hereinafter individually and collectively referred to as “therappo.com”).

For the purpose of the User Agreement, Registered User / Guest User and wherever the context so require ‘You’ shall mean any natural or legal person who is above 18 years of age and who has agreed to become a member of the Website by providing Registration Data (as defined hereinafter) while registering on the Website as Registered User / Guest User using the computer systems of the Website and accepted this electronic version / electronic record of the User Agreement and has provided unique identification details ("Email ID" and "Password") to become Registered User or have been identified as Guest User. As a new Registered User/ Guest User, this User Agreement shall be effective and binding upon your ‘acceptance’. 'Acceptance' shall mean your affirmative action in clicking on 'check box' and on the 'Register' as provided on the registration page or such other actions that implies your acceptance. If you do not agree or are not willing to be bound by the terms and conditions of use of the Website (User Agreement), please do not click on the "check box " and on the ”Register” button button and do not seek to obtain access to or otherwise use the Website.


The Company may amend this User Agreement and/or www.therappo.comRules and Policies at any time without any prior written notice to you. The revised version will be effective at the timeTherappo.composts it on the Website. It is your responsibility to review this User Agreement periodically for updates / changes. Your continued use of the Website following the posting of changes will mean that You accept and agree to the revisions.
By impliedly or expressly accepting this User Agreement, You also accept and agree to be bound by Therappo.com Privacy Policy.

General Provisions:

The portal strongly advises you not to test the site with false requests, as it will put you at substantial personal legal risk. It is an offence to use a false name, other false personal information. Willfully entering erroneous or fictitious requests may result in prosecution by the portal.
Please be aware that even if you do not give the portal your real name, your Web browser transmits a unique address to us, which can be used by law enforcement officials to identify you. Your ip address is traceable.
  1. Membership Eligibility

  2. Use of the Website is available only to persons who can form legally binding contracts under Indian Contract Act, 1872. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents are not eligible to use the Website. www.therappo.com reserves the right to terminate your membership and refuse to provide you with access to the Website if it is brought to www.therappo.com’s notice or if it is discovered that you are under the age of 18 years.
  3. Your Account and Registration Obligations

  4. If you use the Website as Registered User, you are responsible for maintaining the confidentiality of your Email ID and Password. If you use the Website as a Guest User you are responsible for maintaining the confidentiality of your email ID and cell number and for restricting access to your computer, computer system and computer network, and you are responsible for all activities that occur under your Email ID and Password , email id and cell number as the case may be. Also as a User, you shall ensure the physical security and possession of your cell phone. You agree, inter alia, to: (a) Provide true, accurate, current and complete information about yourself as prompted by www.therappo.com's registration form or any other information provided by You (such information being the "Registration Data") (b) Maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete or www.therappo.com has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with the User Agreement, www.therappo.com has the right to indefinitely suspend or terminate or block access of your membership with the Website and refuse to provide you with access to the Website.
  5. Electronic Communications

  6. When You use the Website or send emails or other data, information or communication to www.therappo.com, You agree and understand that You are communicating with Therappothrough electronic records and You consent to receive communications via electronic records from Therappoperiodically and as and when required. Therappowill communicate with You by email or electronic records on the www.therappo.comWebsite which will be deemed adequate service of notice / electronic record.
    Therappo in pursuance of requisite registrations with TRAI is entitled to contact you on the mobile number provided by you by means of sms and phone calls. The User expressly agrees to receive such communication from the portal on its mobile number.
  7. Fees, Payment and Services

  8. Membership for patients on the Website is free. Therappodoes not charge any fee for browsing on the Website. In particular, Therappomay at its sole discretion introduce new services and modify some or all of the existing services offered on the Website. In such an event Therapporeserves the right to introduce fees for the new services offered or amend/introduce fees for existing services, as the case may be. Unless otherwise stated, all fees shall be quoted in Indian Rupees and be payable to the Company within such time as specified in the invoice. In the event that the portal introduces a fee for registration by patients then the following shall also be binding on the users:
    1. Taxes:
    2. You are responsible for paying all fees associated with the use of the Website and you agree to bear any and all applicable taxes, charges, cesses etc. levied there on.
    3. Nonpayment:
    4. www.therappo.comreserves the right to issue a warning, temporarily /indefinitely suspend or terminate your membership of the Website and refuse to provide you with access to the Website in case of non-payment of fees by you to www.therappo.com. www.therappo.com also reserves the right to take legal action in case of non-payment of fees by you to www.therappo.com.
    In case of therapists who are registered with Therappo, they have in accordance with the terms and conditions of the Therapist/Doctor’s agreement have agreed to pay the registration fees and other charges as applicable. The therapy booking is complete only after the patient makes payment of the fees for the therapy session as per the fees charged and displayed by the therapist. The said payment is to be made by the patient online to Therappo through the payment gateway on the portal. The membership for patients on the portal is free but therapy sessions are chargeable as per the fees charged by therapists. Therappo shall in accordance with the terms of the Doctor’s registration agreement deduct its commission for each session and the amount of fees post such deduction shall be transferred by therappo to the therapists on the 15th day of each month. Patient can book an appointment up to 3 months in advance. At time of booking patient shallhave facility to choose a doctor by his choice and Doctor’s availability is predefined by calendar on the portal.
  9. Covenants by therappo:

    1. Therappo is not responsible for any non-performance or breach of any contract. Therappocannot and does not guarantee that the concerned Therapists will perform any transaction concluded through the Website. Therapposhall not and is not required to mediate or resolve any dispute or disagreement between Therapists and Patients.
    2. Therappodoes not make any representation or Warranty as to the on the Website. In particular, www.therappo.comdoes not implicitly or explicitly support or endorse the sale or purchase treatment specifics offered by therapists on the portal.
    3. Therappoaccepts no liability for any errors or omissions, whether on behalf of itself or third parties or Therapists or patients .
    4. The Website is a venue through which Users can reach a larger base of Therapists to seek help in case of mental health related issues.
    5. You release and indemnify Therappoand/or any of its officers and representatives from any cost, damage, liability or other consequence of any of the actions of the Therapist registered on the Website and specifically waive any claims that you may have in this behalf under any applicable law. Notwithstanding its reasonable efforts in that behalf, Therappocannot control the information provided by therapists which is made available on the Website. You may find therapist's information to be offensive, harmful, inaccurate, or deceptive. Please use caution and practice safey when using the Website.
  10. Privacy

  11. We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent and we only use your information as described in the Privacy Policy. We view protection of users' privacy as a very important community principle. We understand clearly that you and Your Personal Information is one of our most important assets. We store and process Your Information on computers that are protected by physical as well as reasonable technological security measures and procedures in accordance with Information Technology Act 2000 and rules there under. Our current Privacy Policy is available at Privacy Policy. If you object to your Information being transferred or used in this way please do not use the Website.
    1. Your Consent:
    2. By using the Website and/or by providing your information, you consent to the collection and use of the information you disclose on the Website by www.therappo.comin accordance with www.therappo.comPrivacy Policy. By using the functionality of the portal you hereby agree to the portal’s privacy policy and terms & conditions, whereby the portal is authorized to maintain a record of your session data, timing and create an analysis report which shall be provided free of cost to therapists. We do not maintain records of the video content of the sessions. The portal shall ensure the privacy and security of such data to the best of its ability, and the user agrees to such data being used for third party analytics and data analytics by the portal for varied purposes.
  12. Breach

  13. Without limiting other remedies, www.therappo.commay limit your activity, immediately remove your information, immediately temporarily/indefinitely suspend or terminate or block your membership, and/or refuse to provide you with access to the Website in the event, but not limited to:
    1. If you breach the User Agreement or Privacy Policy or the terms and conditions of the Website
    2. If Therappois unable to verify or authenticate any information you provide
    3. If it is believed that your actions may cause legal liability for you, other Users orTherappo.
    The portal may at any time at its sole discretion reinstate suspended Users. A User that has been suspended or blocked may not register or attempt to register with Therappo or use the Website in any manner whatsoever until such time that such User is reinstated. Notwithstanding the foregoing, if you breach the Therms of Use or the documents it incorporates by reference, Therapporeserves the right to recover any amounts due and owing by you to Therappoto take strict legal action including but not limited to a referral to the appropriate police or other authorities for initiating criminal or other proceedings against you. The above mentioned clause applies to both patients and therapists.
  14. Disclaimer

  15. Use of the services is not for emergencies. If you think you have a medical or mental health emergency, or if at any time you are concerned about your care or treatment, please go to the nearest hospital or healthcare provider.

    The website is not a suicide helpline platform. If you are considering or contemplating suicide or feel that you are a danger to yourself or to others, you may discontinue use of the services immediately at your discretion and please notify appropriate police or emergency medical personnel. If you are thinking about suicide, immediately call a suicide prevention helpline such as AASRA (91-22-27546669).
  16. Warranty

  17. The, site and its services, including all the content, functions, materials and information made available by the Company or therapistson or accessed through the site or the services, are provided on an "as is" and "as available" basis without representations or warranties of any kind whatsoever by the Company, express or implied, including without limitation, non-infringement, merchantability or fitness for a particular purpose. The portal does not warrant that the products, services or the functions, features or content of the site will be timely, accurate, secure, uninterrupted or error free, or that defects will be corrected. We make no warranty that the, site or services will meet users' requirements or expectations, and expressly disclaim any warranties or guarantees. If you are dissatisfied with the site or any services, your sole remedy is to discontinue using the site and the services.
  18. Limitation of Liability

  19. In no event shall the Company be held liable for any damages of any kind arising out of
    1. any injury to any person or property caused by the therapy provided by a registered Therapist.
    2. defects in such therapy on any theory of liability
    3. any other issues arising out of therapy.
    4. In addition, in no event shall we be liable for any special, incidental or consequential damages that are directly or indirectly related to the use of, or the inability to use, the services, the site or its content, including without limitation, loss of revenue or anticipated profits or lost business or damage to health/mental peace even if Therappo.com or an authorized representative thereof has been advised of the possibility of such damages. After you have contacted a Therapist through the portal, the company is acting only as an intermediary and not as a Hospital or Clinic or Therapist in itself.
  20. Intellectual Property

  21. The copyright or any other Intellectual Property Rights subsisting or which subsequently subsists in all documents, drawings, specifications, designs, programmes, photos or any other material prepared by the users and displayed on the portal whether readable by humans or by machines shall belong tothe Company absolutely and they shall not be reproduced or disclosed or used in their original or translated form by the users without the Company's written consent for any purpose other than that for which they were furnished.
  22. Monitoring

  23. The User agrees that the Company has the right, but not the obligation, to monitor at any time, for any reason at its sole discretion, all material and content on the portal. The Company reserves the right at all times to edit disclose or refuse to post any material or information or request removal of or remove any material or information from the portal.
  24. Indemnity

  25. You shall indemnify and hold harmless the Company and (as applicable) portal's parent, subsidiaries, affiliates, third-parties and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of your breach of the User Agreement, the portal's Terms of Use, or your violation of any law, rules or regulations or the rights of a third party.
  26. General

  27. None of the provisions of the User Agreement shall be deemed to constitute a partnership or agency between you and the portal and you shall have no authority to bind the portal in any manner whatsoever. Except as explicitly stated otherwise, any notices shall be sent by you by postal mail to ExperteasePrivate Limited Attn: Legal Department, at Expertease Platforms , ZNation Lab, 32 Corporate Avenue,7th Floor, B-Wing, Off Mahakali Caves Rd, Andheri (E) ,Mumbai - 400069, Maharashtra. In the case of Legal notice sent by the Company to you, to the address provided at time of registration or to the email address you provide to us during the registration process. Notice shall be deemed given 24 hours after email is sent, unless the sending party is notified that the email address is invalid. Alternatively, we may give you notice by certified mail, postage prepaid and return receipt requested, to the address provided to us during the registration process. In such case, notice shall be deemed given 3 days after the date of mailing. If any clause of the Terms of Use shall be deemed invalid, void or for any reason unenforceable, such clause shall be deemed severable and shall not affect the validity and enforceability of the remaining clauses of the User Agreement. This Agreement sets forth the entire understanding and agreement between You and the Company with respect to the subject matter hereof. In the portal's sole discretion, the portal maytransfer its rights and obligations (also known as “assign”) under this Agreement without your prior express consent, provided that the Company assigns the Agreement on the same terms or terms that are no less advantageous to You. The Company holds the right to destroy all records of therapy sessions and other connected documents after 90 days of booking therapy after the therapy service has been availed of .
  28. Notifications

  29. You will be required to enter a valid phone number and email address while placing an order on the portal. By registering your phone number with us, you consent to be contacted by the portal via phone calls and / or SMS notifications, in case of any therapy session related updates. The user hereby unconditionally consents such intimation via SMS by the Company in accordance with the "Do not disturb" guidelines of Telecom Regulatory Authority of India (TRAI) or such other authority in India. As a website member you will also receive updates from us about Services & Promotional Offers, special offers via your Email id registered with us. However, you may choose at any time to no longer receive these types of e - mail messages. Please see our How-to-Unsubscribe for details.
  30. Disputes Resolutions

  31. Generally, transactions are conducted smoothly on the portal. However there may be some cases where both the users may face issues. AtTherappo, we have a Dispute Resolution process in order to resolve disputes between users.
    1. 'Dispute' can be defined as a disagreement between a patient and therapist in connection with a transaction on the Website. Disputes are filed as a result of a disagreement between the users. Disputes arise out of an issue that is raised by either party not being completely satisfied with the resolution of their complaint/issue.
    2. How is a 'dispute' resolved?
    3. Whenever there is a disagreement, the users can write to grievance@therappo.com in order to raise a dispute. Disputes can be raised at a particular transaction level for any therapy service availed through the portal. The session details of the therapy should be shared by the user in the said email. When the User raises a dispute, then the portal will try to mediate and resolve the dispute between both the parties. If the dispute is resolved in favor of the User, a refund is provided if necessary. The Company is not responsible or obligated to settle user disputes and is doing the same out of their own volition.
    4. Grievance Officer
    5. In accordance with Information Technology Act 2000 and rules made there under, the name and contact details of the Grievance Officer is published herewith: Email- grievance@therappo.com.
  32. Force Majeure

  33. The Company will not be responsible for any loss or damage/delay direct or consequential, caused due to incorrect user details provided on the portal by the user , any act of God, such as accidents, any natural calamity, war, riot, commotion, strike, Local/Political Disruptions, Air / Rail / Road Disruptions / Delay or any other cause whatsoever beyond the control of the Company. No claim for loss / damage / delay will be entertained by the Company in such events.
    1. The company shall not be liable for any consequential or special damages or loss (including loss of income, profits, reputation, use of contents or loss of any opportunity) or other indirect loss arising from the loss, damage, delay, even if company had knowledge that such damages or loss might arise. The company shall not liable if your therapy session or any part of it is incomplete, damaged, delayed or more delivered or not delivered at all as a result of ACT OF GOD, FORCE MAJEURE, which shall include war, accident, acts of public enemies, strikes, embargoes, perils of the air, local disputes, civil commotions, National or local disruption in air or ground transportation networks.
    2. Therapy requests once placed cannot be cancelled or changed.
    3. While the Company ensures best quality services, it is not responsible if the quality if the quality of the service does not match the expectation of the recipient.
    4. The User is bound to above terms and conditions once he/she places the booking of the therapy. The user should read the above terms and place the booking/registration with the portal only if they are acceptable by him/her. The user explicitly agrees that the portal is only an intermediary and not responsible for any of the services displayed or provided through the portal.
  34. License and Website Access

  35. General:The portal grants you a limited license to access and make personal use of this website and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of the portal . No license for commercial sale: This license does not include any resale or commercial use of this website or its content; any collection and use of any product listing, description, or pricing; copying of account information for the benefit of another merchant; or any use of data mining, or similar data gathering and extraction tools. No reproduction: This website or any portion of this website may not be reproduced, duplicated, copies, sold, visited, or otherwise exploited for any commercial purpose without express written consent of the portal. No framing: You may not frame or utilize framing technologies to enclose any trademark, logo, or other proprietary information ( including images, text, page layout, or form) of the portal and its affiliates without the express written consent. Metatags: You may not use any metatags or any other 'hidden text' utilizing the portal's name or trademarks without the express written consent of the portal. Any unauthorized use terminates the permission or license granted by the portal.
  36. Intellectual Property Rights

  37. Copyright Protection :All content included on this site, such as text, graphics, logos, button icons, audio clips, digital downloads, data compilations and software, is the property of the Company or its affiliate sites and protected by the Indian Copyright law. The compilation of all the content on this site is the exclusive property of the Company and protected by Indian Copyright law. All software used in this site is the property of the Company and is protected under the Indian Copyright law. Trademarks:
    1. Protected Marks:Therappo, www.therappo.com&logo design, www.therappo.comand other marks indicated on this website are registered trademarks ofExperteasePrivate Limited.
    2. Protected Graphics: All portal graphics, logos, page headers, button icons, scripts and service names are trademarks or trade address of the Company. The company's trademarks and trade address may not be used in connections with any product or service that is not of the Company. All other trademarks not owned by the company or its affiliates that appear on the portal or its affiliate sites are the property of their respective owners, who may or may not be affiliated with, connected to, associated with the Company or its affiliates. The Companydoes not, in any way, claim ownership or right over the Trademarks, Brands and Company Names used at this site, which are owned by their respective owners/companies. References to these products and company trademarks are used solely for the purpose of identifying the products supplied at this site.
  38. Therapy Sessions

  39. Each booked session is of 45 minutes between patient and therapist, the session booking has 24 hour cycle that is
    • Morning Session (4 A.M. - 12 P.M.)
    • Afternoon Session (12 P.M – 8 P.M.)
    • Night Session (8 P.M. – 4 A.M.)
    Two Hours before the session therapist will be intimated by the portal of the same in the nature of a reminder. Appointment confirmation shall be sent to patients via email and sms on the registered mobile number and email id. The portal shall not be sending any intimation via telephonic calls.
  40. Ratings for Therapist

  41. The portal has feature for Rating therapists which can be done only by patients who have taken online treatment by the said therapists. The ratings are to ensure a good level of service being provided by the therapists and a mechanism to gauge customer satisfaction.
  42. Refund and Cancellation

    1. All bookings made by a patient are non-refundable and bookings once made online cannot be cancelled.
    2. Booking can be altered/rescheduled by a client by written intimation via email to info@therappo.com. Therappo will issue a credit note (or e-coupon) in email format and the same will be used by therappo staff to do an offline booking as per the client’ chosen date and time which will be intimated to Client in writing via email. The said E-coupon must be used by the Client within 3 months from the date of its issue failing which the coupon shall stand null and void and no refund request will be entertained by Therappo in respect of the said booking.
    3. No reschedule requests in case of bookings shall be entertained 48 hours before the booked appointment.
    4. In the event of a client not being present for a booked appointment, till 15 minutes after the scheduled session has started then it will be treated as a no-show and the client agrees that the entire payment shall be forfeited and no refund will be given. No-show will trigger if 15 minutes have passed before a client has clicked on the START button for video session. In the case of such No-show, the counsellor will be paid full payment of their fee for his/her appointment.
    5. In the event of a counselor not being present for a booked appointment, till 15 minutes after the scheduled session has started then it will be treated as a no-show at the counselor's end. In such a case:
      1. The client will be given a credit note/coupon for the entire payment and it can be used with the same therapist for a later session (a ‘reschedule’ coupon). The new session booking will be done by Therappo team offline via email. No-show will trigger if 15 minutes have passed before a counselor has clicked on the START button for video session.
      2. A penalty fee of Rs 200 will be levied on the counselor in case of such no-shows. The same will be deducted from the monthly billing due to a counselor OR the same will be deducted from the annual fee or refundable deposit as the case may be.
    6. If both Client and therapist are not present for the session, then client would get no refund and a penalty as stated above would be levied on the Counsellor.
    7. In the event where both therapist and client are logged into a video session (even for a few seconds) and they are unable to complete at least 25 minutes of the session because they face technical issues (like internet connectivity issues at one end) then :
      1. For technical issues that occur at the counselor's end, the client will receive a reschedule coupon and the counselor will treated as a no-show, and a penalty will be levied on the counselor.
      2. For technical issues occuring at client's end, the client will be treated as no-show and no payment will be refunded to client. The therapist will receive full payment for that session.
      3. If BOTH face technical issues then the session will be treated as ‘complete’ and no payment will be refunded or rescheduled to client and therapist will not receive the payment for that session.
      4. If either party faces technical problem, but they manage to do more than 25 minutes of the session then the session will be treated as ‘complete’ and no payment will be refunded or rescheduled to client and therapist won’t receive the payment for that session.
    8. In the event that sessions cannot be done or cannot be completed because Therappo “website” servers are facing issues, then clients will be given reschedule coupons and Therappo will coordinate the rescheduling manually with counselors.
    9. If counselor raises an offline reschedule request for whatever reason, then a re-schedule fee of Rs.300 will be levied on the counselor and only on written acceptance (by email) will Therappo proceed to contact the client and carry out the rescheduling. If the client refuses, then a refund will be given to the client and both reschedule and no-show levies will be charged to the counselor (Rs 300+200=Rs.500). A therapist will be blacklisted if he raises such a request more than 5 times. Blacklisting in this context means that they will have to pay an upfront fee of Rs. 2000 more above the original registration fee. Removing a therapist from the blacklist is at the sole discretion of Therappo.
    10. In the event a client requests a reschedule, but wishes to change to another counselor then a flat Rs. 350 will be charged and this rescheduling will be done offline by Therappo staff.
    11. In the case of client complaint regarding misconduct or dissatisfaction or misbehavior by a counselor during a session, the case will be reviewed offline and a decision to allow re-schedule and/or charge a penalty on counselor will be taken. Therappo will decide the same based on their internal dispute resolution mechanism. The client has to make such complaint in writing via email to info@therappo.com
    12. In the case of counsellor complaint regarding misconduct or dissatisfaction or misbehavior by a client during a session, the case will be reviewed offline and a decision to charge a penalty on client or blacklisting client will be taken. The counsellor has to make such complaint in writing via email to info@therappo.com
    13. In the event of any other cases not included above the refund shall be solely determined by Therappo and both client and therapist agree to be bound by the decision of Therappo and not dispute the same.
  43. Arbitration

  44. If any dispute arises between you and the Company during your use of the Website or thereafter, in connection with the validity, interpretation, implementation or alleged breach of any provision of the User Agreement, the dispute shall be referred to a sole Arbitrator who shall be an independent and neutral third party identified by the Company. The place of arbitration shall be Mumbai. The Arbitration & Conciliation Act, 1996, shall govern the arbitration proceedings. The arbitration proceedings shall be in the English language.
  45. Governing Law

  46. The User Agreement or the documents they incorporate by reference shall be governed and construed in accordance with the laws of India.
    This document is an electronic record in terms of Information Technology Act, 2000 and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.