Terms and Conditions

These Terms and Conditions govern your use of the Setlo platform.
By accessing or using the app, you agree to these terms in full. Please read them carefully.

Effective Date: 20.06.2026

Please read these terms and conditions prior to using the products and services offered. By using the product, you agree to be legally bound by the terms and conditions and privacy policy and terms of services (including without limitation all disclaimers, exclusion of warranties and limitations of liability contained therein).

ACCEPTANCE OF TERMS

By accessing or using the Platform, You agree to be bound by these Terms & Conditions.

  • •If You do not agree, You must immediately discontinue use

NATURE OF PLATFORM

Setlo operates solely as a facilitation platform.

  • •Provides tools to organize, record, and coordinate obligations
  • •Enables structured communication and interaction
  • •Does not act as a financial institution
  • •Does not provide lending, credit, or guarantee services
  • •Does not enforce or guarantee outcomes

USER REPRESENTATIONS AND WARRANTIES

You represent and warrant that:

  • •All information provided is accurate and complete
  • •You have legal capacity to enter into these Terms
  • •You will use the Platform in good faith
  • •You will not engage in fraudulent or unlawful activity

USER OBLIGATIONS

Users shall not:

  • •Misrepresent obligations or information
  • •Use the Platform for unlawful purposes
  • •Interfere with system integrity
  • •Attempt to reverse engineer or exploit the Platform

CONSENT-BASED INTERACTIONS

All actions and outcomes on the Platform are based on voluntary participation and acknowledgement by Users.

  • •Setlo does not compel or enforce any outcome

FEES AND PAYMENT TERMS

Fees are charged only upon successful completion of services.

  • •All fees are disclosed prior to confirmation
  • •By proceeding, Users agree to the applicable fee

CANCELLATION AND REFUND POLICY

The following terms apply to cancellations and refunds:

  • •Users may discontinue use at any time before completion
  • •No fees are charged if services are not completed
  • •No refunds after successful completion of services
  • •Refunds may be considered for technical failures, duplicate charges, or unauthorized transactions
  • •All refunds are at the sole discretion of Setlo
  • •No partial refunds for partially completed processes or user discontinuation

LIMITATION OF LIABILITY

To the maximum extent permitted by law:

  • •Setlo is not liable for indirect or consequential damages
  • •Not liable for losses from user disputes
  • •Not liable for third-party dependent outcomes
  • •Not liable for errors due to incorrect user data
  • •Total liability limited to the amount paid for the service

INDEMNIFICATION

Users agree to indemnify and hold harmless Setlo from liabilities arising from:

  • •Breach of these Terms
  • •Misuse of the Platform
  • •Violation of applicable laws

TERMINATION

We reserve the right to suspend or terminate access under certain conditions.

  • •Violation of Terms
  • •Suspected fraudulent activity
  • •System abuse

INTELLECTUAL PROPERTY

All content and systems on the Platform are the exclusive property of Setlo.

  • •Unauthorized use is strictly prohibited

GOVERNING LAW AND JURISDICTION

These Terms shall be governed by the laws of India.

  • •Courts located in [Insert City] shall have exclusive jurisdiction

FORCE MAJEURE

Setlo shall not be liable for failure due to events beyond reasonable control.

  • •Natural disasters
  • •Network failures
  • •Government actions

MODIFICATIONS

We reserve the right to update these Terms at any time.

  • •Continued use constitutes acceptance of updates

DATA PROTECTION ACKNOWLEDGEMENT

By using the Platform, You:

  • •Acknowledge that Personal Data is processed as per the Privacy Policy
  • •Confirm that You have read and understood the Privacy Policy
  • •Provide consent for lawful processing under applicable law

USER OBLIGATIONS REGARDING DATA

You agree to:

  • •Not upload or share Personal Data of others without lawful basis
  • •Ensure accuracy of any data provided
  • •Indemnify Setlo against misuse of third-party data

LIMITATION ON DATA LIABILITY

Setlo shall not be liable for:

  • •Personal Data shared voluntarily by Users
  • •Data disclosed due to User negligence
  • •Inaccuracies in User-provided data

For any legal or support queries, please reach out to:

info@setlo.in