1. Introduction

Welcome to Common Kerala ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your access to and use of the Common Kerala website, services, applications, and content (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use our Services.

2. Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this requirement and have the legal capacity to enter into these Terms.

3. User Accounts

3.1 Registration

To access certain features of our Services, you may need to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

4. Payment Terms

4.1 Payment Processing

We use PayTabs as our payment gateway provider. By making a payment through our Services, you agree to comply with PayTabs' terms and conditions in addition to these Terms.

4.2 Payment Authorization

When you provide your payment information, you authorize us and PayTabs to charge the amount due for your transaction to the payment method you specified.

4.3 Payment Security

All payment information is encrypted and processed securely through PayTabs' payment system. We do not store your complete credit card information on our servers.

4.4 Pricing and Taxes

All prices listed on our Services are in Indian Rupees (INR) unless otherwise specified. Prices may include applicable taxes, which will be displayed before checkout.

4.5 Refunds and Cancellations

Refund and cancellation policies vary depending on the specific service or product purchased. Please refer to the specific terms for each service or product before making a purchase. All refunds will be processed through the original payment method.

5. Acceptable Use Policy

5.1 Prohibited Activities

You agree not to:

• Use our Services for any illegal purpose or in violation of any applicable laws
• Infringe on the intellectual property rights of others
• Attempt to gain unauthorized access to any part of our Services
• Engage in any activity that disrupts or interferes with our Services
• Submit false or misleading information
• Attempt to reverse engineer, decompile, or disassemble any aspect of our Services
• Use our Services to distribute malware or other harmful code
• Conduct fraudulent transactions or activities

5.2 Suspension and Termination

We reserve the right to suspend or terminate your access to our Services if we determine, in our sole discretion, that you have violated these Terms.

6. Content and Intellectual Property

6.1 Our Content

All content provided through our Services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, is the property of Common Kerala or its content suppliers and is protected by Indian and international copyright, trademark, and other intellectual property laws.

6.2 User Content

By submitting, posting, or displaying content on or through our Services, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute such content in connection with providing our Services.

7. Privacy Policy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and disclose information about you. By using our Services, you agree to the collection, use, and disclosure of your information as described in our Privacy Policy.

8. Disclaimers and Limitations of Liability

8.1 Disclaimers

Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

8.2 Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Common Kerala, its affiliates, or their respective officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Services.

9. Indemnification

You agree to indemnify, defend, and hold harmless Common Kerala, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that arise from or relate to your use or misuse of our Services or violation of these Terms.

10. Modifications to the Terms

We reserve the right to modify these Terms at any time. If we make material changes to these Terms, we will provide notice through our Services or by other means. Your continued use of our Services after such notification constitutes your acceptance of the modified Terms.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in Kerala, India.

12. PayTabs Specific Terms

12.1 Payment Verification

All transactions processed through PayTabs may be subject to verification and authorization by PayTabs and the relevant financial institutions. We reserve the right to cancel or refuse any transaction that fails such verification.

12.2 Chargebacks and Disputes

In case of chargebacks or payment disputes, we follow PayTabs' dispute resolution process. You agree to provide all necessary information to resolve such disputes.

12.3 Currency Conversion

If your payment method is denominated in a currency different from INR, PayTabs will convert the payment amount at a rate determined by PayTabs or the relevant financial institution. Additional fees may apply for currency conversion.

12.4 Payment Data Storage

PayTabs stores and processes payment information in accordance with the Payment Card Industry Data Security Standard (PCI DSS). By using our Services, you authorize the collection, storage, and use of your payment information in accordance with PayTabs' privacy policy and these Terms.

13. Contact Information

If you have any questions or concerns about these Terms, please contact us at:

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

15. Entire Agreement

These Terms constitute the entire agreement between you and Common Kerala regarding our Services and supersede any prior agreements or understandings.