The Terms and Conditions contained herein shall apply to any person (“User”) using the services of Shubham Housing Development Finance Company Ltd. (Shubham) for making online payments through an online payment gateway service (“Service”) offered by TechProcess Payment Services Ltd., through Shubham’s website i.e. shubham.co. Each User is therefore deemed to have read and accepted these Terms and Conditions.

A. Privacy Policy

Shubham respects and protects the privacy of the individuals that access the information and use the services provided through them. Individually identifiable information about the User is not wilfully disclosed to any third party without first receiving the User's permission, as covered in this Privacy Policy.

This Privacy Policy describes Shubham's treatment of personally identifiable information that Shubham collects when the User is on Shubham's website. Shubham does not collect any unique information about the User (such as the User's name, email address, age, gender, etc.) except when the User specifically and knowingly provides such information on the Website. Like any business interested in offering the highest quality of service to clients, Shubham may, from time to time, send email and other communication to the User to tell them about the various services, features, functionality, and content offered by Shubham's website or seek voluntary information from you.

Please be aware, however, that Shubham will release specific personal information about the User if required to do so in the following circumstances:

  1. i.In order to comply with any valid legal process such as a warrant, statute, or court order, or
  2. ii. If any of the User's actions on Shubham's website violate the Terms of Service or any of Shubham's guidelines for specific services, or
  3. iii.To protect or defend Shubham's legal rights or property, the Shubham's site, or Shubham's Users; or
  4. iv.To investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the security, integrity of Shubham's website/offerings.

B. General Terms and Conditions for Online-Payments

However, the User agrees that under no circumstances shall the Payment Gateway Service Provider be held responsible for such fraudulent/duplicate transactions, and hence no claims should be raised to the Payment Gateway Service Provider. No communication received by the Payment Service Provider(s) in this regard shall be entertained by the Payment Service Provider(s).

C. Limitation of Liability

D. Miscellaneous Conditions:

E. Debit/Credit Card, Bank Account Details

F. Personal Information

G. Payment Gateway Disclaimer

The Service is provided in order to facilitate access to view and pay online. Shubham or the Payment Service Provider(s) do not make any representation of any kind, express or implied, as to the operation of the Payment Gateway other than what is specified in the Website for this purpose. By accepting/ agreeing to these Terms and Conditions, the User expressly agrees that his/ her use of the aforesaid online payment Service is entirely at own risk and responsibility of the User.