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mBnk Phygital Financial Marketplace Pvt Ltd
707, Bonanza, Sahar Plaza,
Andheri Kurla Road,
Andheri East, Mumbai- 400059






    Welcome to (Platform/Mobile Application) that is absolutely owned and operated by “mBnk Phygital Financial Marketplace Pvt Ltd” a digital platform to perform various financial transactions (hereinafter referred to as “mBnk”, which expression shall unless repugnant to the context thereof, include its successors and assigns) a Company registered under the laws of India.

    If You (“You/Yourself/Subscriber/Guest”) continue to browse and use this Platform, You are agreeing to comply with and be bound by these terms and conditions of use of the Platform (“Terms of Use”), which together with our privacy policy (“Privacy Policy”) govern Platform’s relationship with You If You disagree with any part of these Terms of Use, You may not use this Platform and the Services provided through this Platform.

    For the avoidance of doubt, it is clarified that these Terms of Use shall apply to all the Services, whether offered by mBnk or its affiliates.


    “Applicable Laws” shall mean all statutes, enactments, acts of legislature or parliament, ordinances, rules, bye-laws, regulations, notifications, guidelines, policies, directions, directives and orders of any government, statutory authority, tribunal, board or court in India, including but not limited to guidelines and directions issued by RBI, IRDA, PFRDA, UIDAI and SEBI.

    “Customer(s)” shall mean any individual customers who avail the mBnk Services through User’s retail outlets or through the Platform/Mobile Application as may be applicable.

    “e-KYC” shall mean know your customer. It is a process for verifying the identity and address of the Users and Customer(s) through online mechanism as per the KYC Guidelines issued by RBI.

    “mBnk”; “us”; “we”; “our” shall mean mBnk Phygital Financial Marketplace Pvt. Ltd., a company registered under Companies Act 2013, having its office at 707-B, Bonanza, Sahar Plaza, Andheri Kurla Road, Andheri East, Mumbai 400059.

    “Services” shall mean and including but not limited to bill payments collection, Domestic Money Transfer, Bharat Bill Payment Services (BPPS), Aadhaar Enabled Payment Services (AePS), Mobile and DTH Prepaid recharges, Postpaid mobile bill payment collection, utility bills, micro-ATM/mATM, Point of Sale Device (POS) e-coupon/e-voucher recharges, Insurance (Life and Non-Life), mutual funds, loans, travel ticketing and e-activation services and any other products. offered by the Platform from time to time.

    shall mean payment transaction by a Customer processed through the Platform.

    “Platform” shall mean  and all associated sites linked to, or the web applications or the mobile application or any similar platform owned, run, operated, powered and managed by us.

    “Users” shall mean and include sales agents, super distributors, master distributors, area distributors, API partners, white label clients, distribution or channel partner in any other form or  nomenclature and retailers onboarded and with whom mBnk has business arrangements for offering their services through Platform.

    “You” or “Your” or “Yourself” refers to the Users or viewers of this Platform.


    • To be eligible for using our Service you must be 18 years of age or older and capable of entering into a legally binding contract. (as per Section 11 of The Indian Contract Act,1872 which specifies that every person is competent to contract).
    • You should have the mBnk mobile application downloaded (or logged into the web version) on your mobile device and registered with mBnk to avail Services and make payments through the mBnk mobile application.
    • You should have registered with mBnk and submitted the required information during registration and as required from time to time, enabling mBnk to activate your mobile application and provide login credential.

    Services listed on the Platform pertaining to banking, financial, insurance and any other type of services are one stop solution for Users as well as Customers.

    As a guest, any viewer can navigate and browse through the Platform without registration. However, Users must register to sell, market and distribute the Services to the Customers via Platform. At the time of registration Users shall pay the fees and charges as may be displayed on the Platform from time to time for using the Services.

    Any User individual applying in personal capacity or representing/owning an entity can register to the Platform via website link or through sign-up provision on a web-portal. You can also download the mobile application via android play store to register and create an account. You are required to provide personal and business ownership details while registering on the Platform. In case you are an individual or applying in personal capacity, you will require to provide information including but not limited to full name, address, gender, date of birth, passport size photo, mobile number, email ID, proof of address (Aadhar Card/Pan Card). In case you are representing or owning an entity, you will require to provide name of entity, address, business document number, shop/office photograph, PAN number, TAN number, GST number etc. while registering on the Platform. Such prescribed documents of identity and address shall be furnished as a part of eKYC. The information provided by You shall be subject to verification procedure conducted by the Platform in order to check the authenticity, fulfilment of all subscription norms, procedures and documentation. On successful completion of verification, your entity will be valid and live on the Platform. Also, you will obtain unique merchant ID for successful and valid creation of an entity on the Platform.

    You agree that at the time of registration, the information provided by You shall always be accurate, correct and complete. You shall be responsible for maintaining the confidentiality of Your account and password and You agree to accept responsibility for all activities that occur under Your account.

    In the event you share them with any person or entity other than you or a third party accesses your account details and passwords by virtue of any security lapse or breach within your web/mobile device, you fully understand the risks/costs associated with sharing/hacking of such confidential information and agree not to held Platform responsible /liable for any unethical/illegal transactions or activities carried out by the person in possession of your account details and password. You shall provide any additional information as required by the Platform from time -to- time. We also reserve the right to refuse registration or delete accounts at our sole discretion. You agree to abide by all Applicable Laws and regulations and are solely responsible for all acts or omissions committed by You. You must not set up an account on behalf of another individual or entity unless You are authorized to do so. You shall promptly update the email address listed in connection with Your account to keep it accurate so that we can contact. Platform will not ask you to share your debit card/credit card number, CVV, expiry date, pin, password, OTP, login id etc. with anyone and any act so done would be entirely at your sole responsibility and mBnk absolves itself of any indemnification as a result of this act.

    Compliance: You shall be responsible to strictly comply with laws, rules and regulations, policies and guidelines issued by concerned authorities including but not limited to Reserve Bank of India, SEBI, Insurance Regulatory & Development Authority etc. as may be applicable from time to time in force. You shall conform to and shall not deviate in any manner from the plans, processes, specifications and guidelines as supplied/defined by us from time to time.


    • Through this Platform, we provide Services to Customers related to -
      • Mobile and DTH Recharges
      • Domestic Money Transfer
      • Bharat Bill Payment Service (BBPS)
      • Aadhaar Enabled Payment Service (AePS)
      • Micro ATM/mATM
      • Point of Sale Device (POS)
      • Mutual Funds, Insurance – Life, General and Health
      • All types of Loans
      • Pre-paid cards
      • Any other product/service to be listed on the Platform in future
    • Users are required to provide Services to Customers thereby promoting and expanding business of mBnk.
    • mBnk may discontinue or revise any or all other aspects of the Services at its sole discretion.
    • mBnk retains all its rights in relation to the Services being listed/de-listed on the Platform.

    • The Services are subject to the limitation of these Terms of Use. The Services are also subject to Platform’s Privacy Policy and agreements executed between mBnk and respective Users as may be applicable.
    • mBnk does not provide any mobile operator services or banking services directly and is only a platform to list the service providers offering  the Services  which are ultimately provided by telecommunications service providers, financial institutions, insurance companies, or by other distributors or aggregators of such entities (“Authorities”). mBnk is not a warrantor, insurer, or guarantor of Services to be provided by the Authorities.
    • You are required to submit such documents as may be requested from mBnk from time to time and provide assistance for conducting due diligence on the Users.
    • You understand and acknowledge that, verification regarding e-KYC of the Customers as per Applicable Law/ RBI Guidelines and procedure is your responsibility. You are required to ensure that your agent/retailers/personnel need to collect KYC documents as per RBI guidelines for every Customer before registering for availing the Services. You are also needed to ensure and keep in safe custody documents of every Customers and provide information whenever required by mBnk.
    • You are required to furnish to mBnk, the list of agents/retailers/personnel along with their KYC details taken at the time of their on-boarding, upon such demand made by mBnk to that effect.
    • You agree to ensure that all the transactions with the Customer shall be carried online and shall be accounted for and the Distributor / the agent(s) shall not carry out any offline Transactions.
    • You are required to provide assistance in case of any fraud prevention, investigation or other process / proceedings as may be necessary from time to time.
    • You need to create awareness about the Services and take proactive steps to inform Customer on aspects like charges (as applicable), terms and conditions of Service offered and grievance redressal mechanism.
    • You are required to furnish instant confirmation of payment made/success of transaction via a payment receipt/confirmation message to the Customers, as the case may be. The receipt could be in physical or electronic form (SMS / email etc.) or as per Applicable Laws.
    • You are required to segregate, keep and maintain separately all information, documents, registers, trading accounts, training / maintenance logs and records pertaining to the Services provided by you and/or your agents/retailers/personnel, also hold the same in trust and required to make available for inspection/audit from time to time to mBnk, its other service providers or any statutory authority. The rights of mBnk as specified in this Agreement shall also accrue to and be exercisable by its service providers, Reserve Bank of India or persons authorized by RBI.
    • You need to ensure that your representatives / the agent(s) always carry and have access to the necessary devices, hardware, software, and support facilities which would together enable Transactions to happen in a cost effective, secure and Customer friendly manner.
    • You need to comply and ensure compliance by all your agents/ retailer/personnel  with all statutory and/or business guidelines prescribed by MBNK from time to time with respect to display / disclose / promotion of Services, charges and conditions.
    • You are required to maintain the brand image of mBnk, its affiliates and service providers and comply with all direction and guidelines issued in respect of the brand and not do anything to tarnish, spoil or reduce the goodwill of mBnk, its affiliates and service providers.
    • You shall not make any alteration, modification and changes in their system / the distributor application which is likely to have an adverse impact on the functioning of mBnk API and the processing of the Services, without prior written consent of mBnk.
    • You and your respective agents need to adhere at all times the transaction value limit / daily transaction limit and cash requirements, if any, as specified by Platform.
    • You understand that, correct information pertaining to transaction type, payment identifiers, etc. need to be sent through Platform or any other mode to Platform or respective service provider. You understand and acknowledge that you will be solely responsible for any claims, demands, disputes, fines or losses incurred due to or arising in connection with supply of any incorrect information sent by you or your agent.
    • You are required to ensure that the agents/retailers/personnel will at all times observe proper ethics and transparency in all its actions in the course of provisions of the Services and not in any circumstances, take any action or make any statement that may mislead the Customers.
    • You are required to ensure that the Services are not used by agent(s) or Customers for money laundering and it is in compliance with Anti-Money Laundering laws, including but not limited to Prevention of Money Laundering Act, 2002 and the rules and regulations made under it.
    • You agree to ensure that the agents/retailers/personnel will not charge over and above the approved schedule of charges as prescribed by Platform from time to time for each Service.
    • You are required to identify suspicious agents/personnel(s) who may be committing fraud, and carry out further necessary investigation to confirm the event of fraud.
    • In case of confirmation of fraudulent activity by an agent/ personnel(s), you need to provide a notice and enter into discussions with mBnk immediately to determine suitable course of action and follow process as per our policy.
    • In such scenario, you need to provide relevant documents and maintain a record of all action(s) against fraudulent transactions and communicate the same to Platform.
    • You need to co-ordinate with local authorities in case of any fraud committed by its own agents or personnel(s), as the case may be.
    • In the event of a fraud committed by agent or personnel(s), you agree that mBnk may choose to terminate the relationship as per the provisions of the agreement entered between you and mBnk. You understand that, mBnk shall not be held responsible for the fraudulent activities conducted by you or your respective its agents or personnel(s).
    • You are required to promptly notify Platform, in the event there is an error in Platform’s connection with you/your agent, due to which you are unable to process the Transactions for any other reason whatsoever.
    • You are required to obtain necessary insurance at your own cost, covering the liabilities and risk with respect to the Services under the agreement entered between you and mBnk.

    We reserve the right at any time, to charge you, for the registration or activation of Service(s) offered through the Platform and/or any fees/charges for the use of service(s) or transactions carried out by you on the Platform. We also reserve the right to charge you for any type of hardware device including but not limited to mATM, mPOS, biometric authentication device, class 3 digital signature dongles, Smart PoS machines/PoS terminals, batteries etc procured from mBnk. Such device costs / registration fees / activation fees/security deposit / rentals / usage / transaction fees are subject to any changes in mBnk’s company policy and changes by the service providers / manufacturers / suppliers / aggregators / banks.  Any Government charges, duty, or tax payable as a result of the use of the Service of mBnk through Platform shall be your responsibility. You agree and authorize mBnk to charge and/or recover all types of aforesaid charges related to the buying or maintenance of external hardware devices/registration/activation/use of the Services on the Platform from your mobile wallet, wherever applicable.


    In case of any dispute, You can raise ticket on the Platform or via inbound call centre/ Email/ WhatsApp Chat which is handled by support and back office team. mBnk’s back office team will accept such complaints, handle query resolution, revert to the complaint originator via available means within reasonable timelines and endeavor to provide best suitable solution.


    Platform reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Services and the Platform (or any part thereof) with or without notice. Further, the Platform reserves the right to change these Terms of Use at any time. Platform will display updated Terms of Use on the next login which needs to be accepted by the Users in order to continue the usage of the Platform. Continued use of the Platform after any such changes shall constitute Your consent to be bound by such changes.


    In case of any issue, you are required to raise a ticket or email at  by explaining the issue in detailed. If the issue is identified, the customer service team will provide a refund after deducting requisite amount from the total amount of transaction. You shall provide feedback on the Services in within 3 (Three) days from the date of transaction. In case there is no feedback within period mentioned above, it shall be deemed as duly accepted by you.

    You understand, acknowledge and agree that, Platform consists real time transaction system. Therefore, on confirmation of Transaction, the amount will be transferred to the respective service provider and Platform is not the owner of the funds. In such cases, refund is subject to verification, confirmation and receiving amount from such service provider.

    In case You provided wrong information and due to which wrong Services are availed, You shall not be eligible to receive refund.


    You represent, warrant, and agree that no Content or Details shared by You with Platform (“Your Content”), violates or infringes upon the rights of any third party, including any patent, copyright, trademark, privacy, publicity, or other personal or proprietary rights, breaches or conflicts with any obligation, such as a confidentiality obligation, or contains libelous, defamatory, or otherwise unlawful material.

    You grant us a personal, limited, revocable, non-transferable and non-exclusive right to use the content and details including but not limited to Trademarks, Service Marks, logos etc. submitted by You for providing the listing, You also grant us the right (i) to display your content and details on the Platform (ii) promote or distribute it for the access of other Customers.

    You agree that You are solely responsible for your Content made available by You through the Platform including but not limited to any liabilities arising out of any third-party infringement claims.

    We reserve the right to screen, refuse to post, remove or edit Your content at any time and for any or no reason in our absolute and sole discretion without prior notice, although we have no duty to do so or to monitor any public forum. If we elect to screen Your Content, there may be a delay in posting of such content in a public forum to allow for a review process. If we have questions about Your Content including, without limitation, the copyright, we may contact You for further information including, for example, to verify that You own the copyright or otherwise obtain necessary permission to post the material.


    This Platform may contain links to other platforms owned and operated by third parties and or government entities. We might provide links to government websites for information or KYC: e.g. UIDAI, UPI who are not related to the Platform (“Linked Platforms”). The Linked Platforms are not under the control of Platform and Platform is not responsible for the content of any Linked Platforms or any hyperlink contained in a Linked Platform and makes no representation or warranty with respect to the content of any such third-party sites.

    Platform provides these links to You for convenience only and the inclusion of any link does not imply any endorsement of the Linked Platform by Platform. Your link to any such Linked Platform is entirely at Your own risk. Platform is not a party to any transaction between You and a Linked Platform. Your use of a Linked Platform is subject to the terms and conditions of that site.

    The Platform may also contain third party advertisements, if any. The display of such advertisements does not in any way imply an endorsement or recommendation of the relevant advertiser. Platform accepts no responsibility for any interaction between You and the relevant third party and is released from any liability arising out of or in any way connected with such interaction.


    You agree not to engage in any of the following activities:

    Violating laws and rights:

    You shall not (a) use the Platform for any illegal purpose or in violation of any local, state, national, or international laws, (b) violate or encourage others to violate any right of or obligation to a third party, including but not limited to, by infringing, misappropriating, or violating intellectual property, confidentiality, or privacy rights.


    You shall not use the Platform, or any information provided through the Platform for the transmission of advertising or promotional materials, including junk mail, spam, chain letters, or any other form of unsolicited or unwelcome solicitation.


    You shall not use the Platform in any manner that could disable, overburden, damage, or impair the Platform, or interfere with any other party’s use and enjoyment of the Platform; including by (a) uploading or otherwise disseminating any virus, adware, spyware, worm or other malicious code, or (b) interfering with or disrupting any network, equipment, or server connected to or used to provide any of the Services on the Platform, or violating any regulation, policy, or procedure of any network, equipment, or server.

    Harming others:

    You shall not share or transmit Content or details that are harmful, offensive, obscene, abusive, invasive of privacy, defamatory, hateful or otherwise discriminatory, false or misleading, or incites an illegal act. You shall not intimidate or harass another through the Platforms; and, You may not post or transmit any personally identifiable information about persons without obtaining such persons express permission to so through the Platform.

    Impersonation or unauthorized access:

    You shall not impersonate another person or entity or misrepresent Your affiliation with a person or entity when using the Platform. You shall not use or attempt to use another’s account or personal information; and, You shall not attempt to gain unauthorized access to the Platform, or the computer systems or networks connected to the Platform, through hacking password mining or any other means.


    You shall ensure that the security of the Platform is not violated, harmed or compromised in any manner including by (i) accessing data not intended for you or logging into a server or account which you are not authorized to access, (ii) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization, (iii) attempt to interfere with the service, host or network, including without limitation, via means of submitting a virus to the Platform, overloading, flooding or crashing the Platform, (iv) sending unsolicited electronic emails, including promotions or advertising of products or services.

    Violation of any system or network security may result in civil or criminal liability. We shall have the right to investigate such occurrences involving violations and will have the right to involve and cooperate with law enforcement agencies in prosecuting you if you are involved in such violations.


    You expressly acknowledge and agree that use of the Platform and the provision of the Services is entirely at Your own risk and that the Platform and the listing of Services therein are provided on an "as is" basis, without any warranties of any kind. All express and implied warranties, including, without limitation, the warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights are expressly disclaimed to the fullest extent permitted by law. To the fullest extent permitted by law, mBnk, its officers, partners, employees, and agents disclaim all warranties, express or implied, in connection with the Platform, the listing, your provision of Services and Customers use thereof. mBnk makes no warranties or representations that:

    • the content shared on the Platform or any third party platforms linked to the Platform are accurate or complete,
    • The Platform will meet your requirements,
    • The Platform will be available on an uninterrupted, timely, secure, or error-free basis,
    • The results that may be obtained from the use of the Platform will be accurate or reliable.

    We may occasionally for brief periods suspend the operations of the Platform for maintenance, updations or support work as we may deem appropriate. We are not liable for any inconvenience, loss or damages that may be caused to you during such periods of suspension.

    We shall not be or responsible for any -

    • errors, mistakes, or inaccuracies of content;
    • personal injury or property damage, of any nature whatsoever, resulting from Your access to and use of the Platform;
    • any unauthorized access to or use of our servers and/or any and all personal information and/or financial information stored therein;
    • any interruption or cessation of transmission to or from the Platform;
    • any bugs, viruses, trojan horses, or the like which may be transmitted to or through the Platform by any third party, and/or;
    • any errors or omissions in any content or for any loss or damage of any kind incurred as a result of the use of any content posted, emailed, communicated, transmitted, or otherwise made available via the Platform. Platform does not warrant, endorse, guarantee, or assume responsibility for any Service advertised or offered through the Platform or any hyperlinked platform or featured in any banner or other advertising.

    In no event shall mBnk, its officers, partners, employees, or agents, be liable for direct, indirect, incidental, special, punitive, consequential or exemplary damages (even if mBnk has been advised of the possibility of such damages), resulting from any aspect of Your use of the Platform, including without limitation whether the damages arise from use or misuse of the Platform, from inability to use the Platform, or the interruption, suspension, modification, alteration, or termination of the Platform. Such limitation of liability shall also apply with respect to damages incurred by reason of Services or rendered through or advertised in connection with the Platform or any links on the Platform, as well as by reason of any information, opinions or advice received through or advertised in connection with the Platform or any links on the Platform. These limitations shall apply to the fullest extent permitted by law. You specifically acknowledge and agree that mBnk shall not be liable for user details or content or defamatory, offensive, or illegal conduct of any user or third party and that the risk of harm or damage from the foregoing rests entirely with You.


    You agree to indemnify us and hold us harmless from and against all losses, expenses, damages claims and costs including reasonable attorneys' fees, arising out of or relating to –

    • Your violation of any rights of any other person in connection with the Platform;
    • infringement of any third-party intellectual property rights;
    • any breach of the terms and conditions of this Terms of Use;
    • breach or violation of Applicable Laws and regulations committed by You;
    • your misuse or unauthorized use of the Platform or its content and material.

    In case of any dispute, You hereby release the Platform, its officers, it partners, employees, agents and successors from any and all claims, demands and damages (actual and consequential) of every kind or nature, known or unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way related to such disputes.


    The Platform is committed to responsibly handle the information and data we collect through the Platform in compliance with our Privacy Policy. Please refer to our Privacy Policy. The data provided by the Users shall be kept with the administrator of the Platform and may be used subject to terms of Privacy Policy.


    All content on this Platform is either our exclusive property or that of our licensors/service providers. All the software, text, images, graphics, logos, trademarks, video and audio used on this Platform belongs to us or our licensors/ service providers. No material from this Platform shall be copied, modified, reproduced, republished, uploaded, transmitted, posted or distributed in any form without our prior written permission. Unauthorized use of the content or materials appearing on this Platform may violate copyright, trademark and other applicable laws, and could result in criminal or civil penalties. The trademark and logo displayed on the Platform is the property of mBnk Phygital Financial Marketplace Pvt. Ltd. Our trademark or logo shall not be used in any manner without our prior written consent. No permission or license (whether express or implied) is hereby granted regarding the use of any such trademarks, get-up, product names, logos or titles, and such use may constitute infringement of the holder's rights. All rights not expressly granted herein are reserved.


    If the Platform is used or accessed from anyplace outside India, it is entirely at your own risk. The Platform makes no representation that its contents and other features are available or otherwise suitable for use outside India.

    We reserve the right to terminate your access to the Platform at any time without notice to you for any reason (including, but not limited to, your violation of these Terms of Use) or for no reason. We do not represent that we will or we are required to either actively monitor such behavior or to provide such notice to you.

    Our right to terminate your access is in addition to all other legal or equitable remedies available to us, which rights are fully and expressly reserved by us. Upon termination of this Agreement for any reason, you shall cease to use or further access any of the Platform’s content or Services and be liable for any unauthorized attempts to do so through any means.

    Survival: The disclaimer of warranties, the limitation of liability, indemnity and the jurisdiction and Applicable Law provisions shall survive any termination.


    Governing Laws and Jurisdiction: These Terms of Use are governed by and construed according to the laws of India, the acceptance of the Terms of Use shall be deemed to have been given at Mumbai, Maharashtra and the courts in Mumbai shall have exclusive jurisdiction to entertain any proceedings in any way relating to or concerning these Terms of Use or any rights, duties, obligations or liabilities arising there under to the exclusion of all other courts in India.

    Force Majeure: Without limiting the foregoing, under no circumstances shall the Platform is held liable for any damage or loss caused to you, due to usage of the Platform or deficiency in performance of Services resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, internet failures, computer equipment failures including hacking, unauthorized access to computer data and storage device, system failure, virus, attacks, bugs, computer crashes, breach of security and encryption, telecommunication equipment failures, software failures, machinery breakdown, technology breakdown, strikes, government regulations, epidemics, floods, storms, electrical failure, civil disturbances, riots and any other reason beyond reasonable control of the Platform or the Users.

    Assignment: We may assign any or all of its rights and obligations under this Agreement to any party without the prior consent of or notice to you.

    No waiver: The Platform’s failure to insist on or enforce strict performance of any of the terms of these Terms of Use shall not be construed as a waiver of any provision or right.

    Severability: If any part of these Terms of Use is held to be invalid or unenforceable by any law or regulation or final determination of a competent court or tribunal, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

    No agency relationship: You agree that no joint venture, employment, or agency relationship exists between You and the Platform as a result of these Terms of Use or from Your use of the Platform or listing.

    Entire Agreement: These Terms of Use and Privacy Policy constitute the entire agreement between You and the Platform relating to this subject matter and supersede any and all prior communications and/or agreements between You and the Platform relating to this subject matter.