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  1. INTRODUCTION
    These Terms and Conditions (“Terms”) constitute a legally binding agreement between Argentor Patera Technologies Private Limited, a company incorporated under the Companies Act, 2013, having its registered office in India (“Company”, “LabhX”, “We”, “Us”, “Our”), and the user (“You”, “User”).
    This document is an electronic record under the Information Technology Act, 2000 and does not require physical or digital signatures.
    By accessing or using the LabhX mobile application or website (“Platform”), You agree to be bound by these Terms. If You do not agree, please do not use the Platform.
  2. DEFINITIONS
    “Platform” means the LabhX mobile application and website.“Digital Gold Services” means buying, selling, storing, transferring or redeeming digital gold.“Bullion Partner” means Augmont GoldTech Private Limited.“Customer Gold” means gold purchased and owned by the User.“Custodian” means vaulting service providers appointed by Augmont.
  3. ELIGIBILITY
    You represent and warrant that:
    You are 18 years or older
    You are legally capable of entering a binding contract
    All information and KYC documents provided by You are true and accurate
    You are not impersonating any other individual or entity
  4. NATURE OF LABHX SERVICES
    LabhX is only a technology platform and facilitator.
    LabhX does not sell gold
    LabhX does not store gold
    LabhX does not guarantee returns, prices, liquidity, or performance
    All Digital Gold Services are provided through Augmont
    Ownership of Customer Gold always remains solely with the User.
  5. ROLE OF AUGMONT
    Augmont is the bullion provider for Digital Gold Services.
    Augmont is responsible for pricing, execution, vaulting, delivery, and insurance.
    Augmont’s Terms & Conditions (“Augmont T&Cs”) are incorporated by reference.In case of conflict, Augmont T&Cs shall prevail
  6. ACCOUNT REGISTRATION & KYC
    Registration and KYC are mandatory under applicable AML and PMLA laws,LabhX may suspend or terminate accounts if KYC fails or is incomplete,You agree to keep Your account details updated
  7. PRICING, ORDERS & EXECUTION
    Prices displayed are indicative and market-linked
    Orders are binding only upon successful payment
    Orders may be rejected due to technical, regulatory or risk reasons
    Refunds, if applicable, are governed by Augmont T&Cs
  8. STORAGE OF GOLD
    Customer Gold is stored in insured vaults through Augmont
    Storage terms are governed by Augmont
    Storage charges may apply after free periods, if any
  9. DELIVERY OF GOLD
    Physical delivery is optional and chargeable
    Valid address and identity proof are mandatory
    Failed delivery and re-shipping costs shall be borne by the User
  10. AUTO-INVEST / UPI AUTOPAY
    Auto-invest is optional
    Mandates can be paused or cancelled anytime
    Cancellation can also be done through the User’s UPI app
    LabhX is not liable for bank-side or UPI failures
  11. TAXES
    All applicable taxes are borne solely by the User
    LabhX does not provide tax advice
  12. REFUNDS & CANCELLATION
    Digital Gold purchases cannot be cancelled once confirmed
    Refunds apply only for failed or rejected transactions
    Refunds are subject to Augmont T&Cs
  13. INTELLECTUAL PROPERTY
    All Platform content, software, trademarks and branding belong to Argentor Patera Technologies Private Limited.
  14. LIMITATION OF LIABILITY
    Services are provided “AS IS” and “AS AVAILABLE”.
    LabhX shall not be liable for:
    Market volatility or losses
    Custodian or bullion partner failures
    System outages or cyber incidents
    Force majeure events
    Maximum liability, if any, shall not exceed the platform fee earned by LabhX for the relevant transaction.
  15. INDEMNITY
    You agree to indemnify LabhX against all claims arising from:
    Breach of these Terms
    Fraud, misuse or violation of laws
  16. FORCE MAJEURE
    Neither party shall be liable for delays or failures caused by events beyond reasonable control.
  17. TERMINATION
    LabhX may suspend or terminate access without notice where required by law or risk controls.
  18. GOVERNING LAW & JURISDICTION
    These Terms shall be governed by Indian law. Courts at Bengaluru, Karnataka shall have exclusive jurisdiction.