1. INTRODUCTION

This Payment, Escrow & Refund Policy (“Policy”) governs all financial transactions conducted on the Bourmeg Platform, including but not limited to payments, wallet operations, escrow fund handling, settlements, payouts, refunds, cancellations, penalties, and dispute resolution mechanisms.

By initiating a booking, making a payment, maintaining a wallet balance, or accepting a service request, Users expressly agree to be bound by this Policy.

This Policy applies to all Clients, Service Providers (Vendors), and any Users interacting with the Platform’s financial systems.

1.1 Nature of Platform Role

Bourmeg operates as a technology-enabled intermediary platform that facilitates transactions between Users through an integrated digital payment and escrow system.

Bourmeg:

All financial transactions are processed through third-party payment gateway partners, and Bourmeg facilitates a structured system for fund flow, control, and settlement.

1.2 Virtual Escrow System (Important Disclosure)

Bourmeg operates a virtual escrow mechanism for user experience and transaction control.

Users acknowledge that:

such systems or associated banking channels

and not a standalone regulated escrow account

eligibility

This mechanism is designed to:

1.3 Wallet System & Internal Ledger

Bourmeg provides an in-app Wallet system that reflects:

Users acknowledge that:

1.4 Fund Flow Overview

The general transaction flow on the Platform operates as follows:

1. Client makes payment → processed via payment gateway

2. Funds are reflected within the Platform under escrow status

3. Upon service completion and validation → funds are released to Vendor wallet

4. Vendor may initiate withdrawal → processed via bank/UPI

Bourmeg reserves the right to:

1.5 No Interest & Fund Usage Clarification

Users acknowledge that:

transaction processing

Users

1.6 Acceptance of Financial System Rules

By using the Platform, Users:

rules

This Policy is intended to provide transparency into Bourmeg’s financial operations while ensuring control, security, and compliance within a structured transaction environment.

2. DEFINITIONS

For the purpose of this Policy, the following terms shall have the meanings assigned to them below. These definitions are intended to ensure clarity, prevent ambiguity, and enable consistent interpretation across all financial and operational aspects of the Platform.

2.1 “Transaction”

Any financial activity conducted through the Platform, including payments, wallet deposits, fund transfers, escrow allocations, payouts, refunds, reversals, adjustments, or deductions.

2.2 “Escrow Mechanism”

A system-controlled process whereby funds paid by a Client are temporarily held in a virtual escrow state within the Platform until service completion, dispute resolution, or other conditions are met.

This does not constitute a traditional regulated escrow account.

2.3 “Virtual Escrow State”

A system-generated representation of funds under controlled holding conditions within the Platform, reflecting pending release, dispute, or validation status.

2.4 “Wallet”

An in-app digital ledger reflecting a User’s available balance, including deposits, earnings, refunds, or adjustments, subject to Platform rules.

The Wallet does not represent a bank account, deposit account, or financial instrument.

2.5 “Completion”

The confirmation of service fulfillment based on:

2.6 “Auto-Completion”

Automatic marking of a service as completed when no dispute or objection is raised within a defined time period, as determined by the Platform.

2.7 “Refund”

A reversal of funds, either partially or fully, issued to the User’s wallet or original payment method (where applicable), subject to eligibility and platform discretion.

2.8 “Partial Refund”

A refund where only a portion of the total transaction amount is returned, based on service stage, effort, or verification outcomes.

2.9 “Dispute”

Any claim, objection, or disagreement raised by a User regarding a Transaction, Service, or payment-related outcome.

2.10 “Penalty”

Any deduction, charge, or adjustment applied by the Platform due to violations, cancellations, misuse, damages, or policy breaches.

2.11 “Platform Fees”

Any charges imposed by Bourmeg, including service fees, commissions, convenience charges, or processing fees, which may vary based on category, usage, or system logic.

2.12 “Chargeback”

A reversal initiated by a bank, card issuer, or payment provider, where a User disputes a transaction outside the Platform’s system.

2.13 “Fraudulent Activity”

Any action including but not limited to:

2.14 “Settlement”

The process of releasing funds from escrow to a Vendor’s wallet following completion, verification, or dispute resolution.

2.15 “Withdrawal”

The transfer of funds from a User’s wallet to their registered bank account or UPI, subject to eligibility, verification, and processing timelines.

2.16 “Negative Adjustment”

A deduction applied to future wallet credits where a User has outstanding penalties or dues that could not be immediately recovered due to insufficient balance.

2.17 “Processing Time”

The indicative time required to complete a financial action such as payout, refund, or withdrawal, which may vary depending on banking systems, verification, or external factors.

2.18 “System Rules”

Automated logic, algorithms, or conditions defined by Bourmeg that govern transaction flow, completion status, escrow release, fraud detection, and financial operations.

2.19 “Platform Discretion”

The authority of Bourmeg to make final decisions regarding financial actions, including but not limited to refunds, penalties, dispute outcomes, and fund handling, based on internal policies, analysis, and risk assessment.

2.20 “Third-Party Payment Partner”

Any RBI-authorized payment gateway, banking partner, or financial service provider used to process transactions, hold funds, or execute payouts.

All definitions provided herein shall be interpreted broadly to ensure maximum protection of platform operations and shall include any variations or equivalent functionalities, whether currently implemented or introduced in the future.

3. PAYMENT TERMS

All payments on the Bourmeg Platform shall be governed by the rules and conditions set forth in this section. Users agree to strictly adhere to these terms while conducting any financial transaction.

3.1 Mandatory Platform Payments

All payments for services must be made exclusively through the Platform.

Users agree that:

transactions

Violation of this clause may result in:

3.2 Payment Obligation

Users agree to pay the full amount displayed at the time of booking, including:

Once a payment is initiated or confirmed:

3.3 Platform Fees & Non-Refundability

Bourmeg may charge:

Users acknowledge that:

refund status, unless explicitly stated otherwise

3.4 Payment Processing & Third-Party Systems

All payments are processed through third-party payment partners.

Bourmeg shall not be responsible for:

3.5 Chargeback & Payment Reversal Protection

Users agree not to initiate chargebacks or payment reversals outside the Platform without valid justification.

In case of a chargeback:

Repeated or fraudulent chargebacks may result in:

3.6 Payment Verification & Risk Control

Bourmeg reserves the right to:

Transactions may be:

Based on risk analysis and system rules.

3.7 Auto-Debit & Adjustments

Users authorize Bourmeg to:

Such deductions may occur without prior notice in cases involving:

3.8 No Guarantee of Service Outcome

Users acknowledge that:

3.9 Currency & Jurisdiction

All transactions shall be conducted in Indian Rupees (INR), unless otherwise specified. Users agree that:

frameworks

3.10 Future Payment Features

Bourmeg may introduce additional payment features, including but not limited to:

Continued use of the Platform shall constitute acceptance of such features and their associated terms.

Bourmeg reserves full authority over payment processing, validation, adjustment, and control mechanisms to ensure secure, fair, and compliant financial operations.

4. ESCROW MECHANISM (VIRTUAL FUND HOLDING SYSTEM)

Bourmeg operates a structured virtual escrow mechanism to regulate the flow, holding, and release of funds between Users.

This system is designed to enhance transaction security, ensure service validation, and enable dispute resolution.

4.1 Nature of Escrow System

Users acknowledge that:

channels

internal transaction logic

This mechanism ensures:

4.2 Fund Holding & Allocation

Upon successful payment:

Users acknowledge that:

payment channels

Bourmeg reserves the right to:

4.3 Conditions for Fund Release

Funds shall be released from escrow to the Vendor wallet upon fulfillment of any of the following conditions:

4.4 Auto-Release Mechanism

If the Client fails to respond within the specified time:

Users acknowledge that:

4.5 Exception Handling & Fund Holding

Bourmeg reserves the right to delay or hold fund release in cases including:

The duration of such holding:

4.6 Platform Control Over Escrow

Bourmeg retains full authority to:

Such actions may be taken:

4.7 No Ownership Transfer Before Release

Users acknowledge that:

4.8 Dispute Impact on Escrow

In case of a dispute:

Bourmeg’s decision in such cases shall be final and binding.

4.9 System Representation Disclaimer

Users understand that:

Accordingly, Users agree not to interpret escrow display as a direct reflection of segregated or independently held funds.

Bourmeg’s escrow mechanism is designed to balance user protection with operational control, ensuring secure and fair transaction handling while maintaining flexibility to manage risks and disputes.

5. VENDOR PAYOUT POLICY

This section governs the release, processing, and transfer of funds from the Platform to Vendors following service completion and settlement.

5.1 Payout Eligibility

Vendors shall be eligible for payout only after:

Bourmeg reserves the right to verify transactions before enabling payout.

5.2 Payout Methods

Payouts shall be processed through:

Vendors are responsible for providing:

Bourmeg shall not be responsible for failed payouts due to incorrect details provided by the Vendor.

5.3 Payout Cycle

Standard payout timeline:

Users acknowledge that:

5.4 Payout Delays & Restrictions

Bourmeg reserves the right to delay, restrict, or suspend payouts in cases including:

Such delays may continue until:

5.5 No Guaranteed Instant Settlement

While faster payouts may be processed in certain cases:

5.6 Deductions & Adjustments

Before payout, Bourmeg may deduct:

Users authorize such deductions without requiring separate approval.

5.7 Failed or Reversed Payouts

In case of payout failure:

Bourmeg shall not be liable for:

5.8 Withdrawal Control & Limits

Bourmeg may impose:

Such limits may vary based on:

5.9 No Ownership Until Successful Transfer

Funds shall be considered successfully paid only when:

Until then:

5.10 Platform Discretion & Authority

Bourmeg retains full authority to:

Such decisions shall be based on internal policies, risk assessment, and system rules, and shall be final.

Bourmeg ensures that payouts are processed in a structured and secure manner while maintaining necessary safeguards to prevent fraud, ensure compliance, and protect platform integrity.

6. CANCELLATION POLICY

This section governs the rules, conditions, and consequences associated with the cancellation of services on the Bourmeg Platform.

6.1 Right to Cancel

Users may request cancellation of a service subject to:

Bourmeg reserves the right to approve, reject, or conditionally process any cancellation request.

6.2 Cancellation Stages

Cancellation requests shall be evaluated based on the stage of the service, including:

Different rules and charges may apply at each stage.

6.3 Cancellation Charges

Bourmeg may impose cancellation charges based on:

Users acknowledge that:

6.4 Non-Refundable Components

Regardless of cancellation timing, the following shall generally be non-refundable:

Unless explicitly stated otherwise by the Platform.

6.5 Vendor Compensation

In cases where:

Bourmeg may:

6.6 Platform-Initiated Cancellation

Bourmeg reserves the right to cancel any service in cases including:

In such cases:

6.7 Repeated or Abusive Cancellations

Users engaging in:

May face:

6.8 Auto-Cancellation

Bourmeg may automatically cancel bookings in cases such as:

6.9 No Guarantee of Full Refund

Users acknowledge that:

6.10 Platform Discretion

All cancellation requests shall be subject to:

Bourmeg’s decision regarding cancellations, applicable charges, and outcomes shall be final and binding.

Bourmeg aims to maintain a fair and balanced cancellation system that protects both Clients and Vendors while preventing misuse and operational inefficiencies.

7. REFUND POLICY

This section governs the eligibility, processing, limitations, and control mechanisms related to refunds on the Bourmeg Platform.

7.1 Refund Eligibility

Refunds may be considered only under specific circumstances, including:

All refund requests shall be subject to:

7.2 Refund Decision Framework

Refund decisions are made through a structured process involving:

Users acknowledge that:

7.3 No Automatic Refunds

Bourmeg does not guarantee refunds in any scenario.

Refund eligibility depends on:

7.4 Non-Refundable Components

The following amounts shall not be refunded under normal circumstances:

Even in cases of cancellation or dispute, these components may be retained by the Platform.

7.5 Partial Refunds

Bourmeg may issue partial refunds where:

The percentage of refund shall be determined at the sole discretion of the Platform.

7.6 Refund Mode

Refunds shall generally be credited to:

Direct refund to the original payment method:

7.7 Refund Processing Time

Refund processing timelines may vary based on:

Users acknowledge that:

7.8 Refund Denial

Bourmeg reserves the right to deny refunds in cases including:

7.9 Abuse Prevention

Users engaging in:

May face:

7.10 Final Authority

All refund decisions shall be:

Bourmeg’s decision regarding refunds shall be final and binding, and Users agree not to dispute such decisions outside the Platform without valid legal grounds.

Bourmeg aims to maintain a fair refund system while protecting the Platform and its Users from misuse, fraud, and unjustified financial losses.

8. DISPUTE-BASED PAYMENT HANDLING

This section governs the handling, control, and distribution of funds in cases where a dispute is raised between Users regarding a transaction or service.

8.1 Initiation of Dispute

A dispute may be raised by a User in cases including:

Disputes must be raised within the time limits defined by the Platform.

8.2 Immediate Impact on Funds

Upon initiation of a dispute:

8.3 Investigation Process

Disputes shall be evaluated through a structured multi-layer process:

Bourmeg may request additional:

8.4 Evidence & User Responsibility

Users are responsible for providing:

Failure to provide sufficient evidence may result in:

8.5 Platform Authority & Decision Making

All dispute decisions shall be made:

Bourmeg reserves the right to:

All decisions shall be final and binding.

8.6 Fund Allocation Outcomes

Post resolution, the Platform may:

Allocation shall be based on:

8.7 Timeframe & Delays

Dispute resolution timelines:

Users acknowledge that:

8.8 Misuse & Fraudulent Disputes

Users engaging in:

May face:

8.9 Platform Rights During Dispute

During an active dispute, Bourmeg may:

Such actions may be taken:

8.10 No External Override

Users agree that:

restrictions

8.11 Finality & Enforcement

Once a dispute decision is made:

Bourmeg shall not be liable for:

Bourmeg’s dispute handling system is designed to ensure fairness while maintaining strict control over financial flows, preventing misuse, and protecting the integrity of the Platform.

9. COMMISSION & PLATFORM FEES

This section defines the structure, applicability, and control mechanisms related to commissions, service charges, and platform fees imposed by Bourmeg.

9.1 Nature of Charges

Bourmeg may charge various types of fees, including but not limited to:

Such charges may be applied to:

9.2 Dynamic Pricing & Commission Model

Users acknowledge that:

algorithms

Bourmeg reserves the right to:

9.3 Automatic Deduction

All applicable fees shall be:

Users authorize Bourmeg to:

9.4 Non-Refundability of Fees

All platform fees, commissions, and applicable taxes shall be:

This applies even if:

Unless explicitly stated otherwise by the Platform.

9.5 Fee Transparency

Where applicable:

However, Users acknowledge that:

visible in real-time

9.6 Promotional & Conditional Pricing

Bourmeg may offer:

Such offers:

9.7 Tax Handling

Applicable taxes shall be:

Users are responsible for:

9.8 Adjustment & Recalculation Rights

Bourmeg reserves the right to:

Such adjustments may result in:

9.9 Vendor Earnings Clarification

Vendors acknowledge that:

9.10 Platform Discretion

Bourmeg retains full authority to:

All decisions regarding fees and commissions shall be final and binding.

Bourmeg’s commission and fee structure is designed to support platform operations, growth, and sustainability while maintaining flexibility to adapt to market conditions and user behavior.

10. FRAUD PREVENTION & PENALTIES

Bourmeg maintains a strict zero-tolerance policy towards fraud, misuse, and any activity that compromises the integrity, security, or fairness of the Platform.

10.1 Definition of Fraudulent Activity

Fraudulent activity includes, but is not limited to:

10.2 Detection Mechanisms

Bourmeg employs multiple methods to detect suspicious behavior, including:

10.3 Immediate Preventive Actions

Upon detection or suspicion of fraudulent activity, Bourmeg may:

Such actions may be taken:

10.4 Investigation & Verification

Bourmeg may:

Failure to cooperate may result in:

10.5 Penalties & Financial Adjustments

If fraud or misuse is confirmed, Bourmeg may:

10.6 Multiple Account Abuse

Users found operating multiple accounts for unfair advantage may face:

10.7 No Permanent Fund Seizure (Clarification)

Bourmeg does not permanently retain User funds.

However:

10.8 Chargeback & External Disputes

Users initiating fraudulent or unjustified chargebacks may face:

10.9 Platform Discretion & Authority

All actions under this section shall be:

Bourmeg retains full authority to:

All decisions shall be final and binding.

10.10 Legal Action

In severe cases, Bourmeg reserves the right to:

Bourmeg’s fraud prevention system is designed to protect Users, ensure fair transactions, and maintain a secure and trustworthy platform environment.

11. CHARGEBACK & PAYMENT REVERSAL HANDLING

This section governs the handling of chargebacks, payment reversals, and external disputes initiated through banks, card networks, or payment service providers.

11.1 Definition of Chargeback

A “Chargeback” refers to:

11.2 User Obligation

Users agree that:

11.3 Immediate Actions on Chargeback

Upon notification of a chargeback:

11.4 Recovery of Funds

Bourmeg reserves the right to:

11.5 Liability Limitation

Bourmeg shall not be liable for:

11.6 Evidence Submission

Bourmeg may:

Users acknowledge that:

11.7 Penalties for Misuse

Users engaging in:

May face:

11.8 No Guarantee of Reversal Outcome

Users acknowledge that:

11.9 Platform Discretion

Bourmeg retains full authority to:

All such decisions shall be final and binding.

Bourmeg aims to protect its financial ecosystem by actively managing chargebacks and minimizing risks associated with external payment disputes.

12. ANTI-MONEY LAUNDERING (AML) & FINANCIAL INTEGRITY

Bourmeg is committed to maintaining a secure and compliant financial ecosystem and strictly prohibits the use of its Platform for money laundering, terrorist financing, fraud, or any illegal financial activity.

12.1 Prohibited Activities

Users shall not use the Platform for:

12.2 Monitoring & Detection

Bourmeg may implement:

To detect:

12.3 KYC & Verification

Bourmeg may require Users to:

Failure to comply may result in:

12.4 Transaction Limits & Controls

Bourmeg reserves the right to:

12.5 Fund Freezing & Investigation

In case of suspected illegal activity, Bourmeg may:

Such actions may be taken:

12.6 Reporting to Authorities

Where required or deemed necessary, Bourmeg may:

12.7 No Liability for Compliance Actions

Bourmeg shall not be liable for:

12.8 User Responsibility

Users are responsible for:

12.9 Platform Discretion

Bourmeg retains full authority to:

All decisions under this section shall be final and binding.

Bourmeg’s AML framework is designed to prevent misuse of the Platform for illegal financial activities while ensuring regulatory compliance and maintaining a trustworthy transaction environment.

13. TAXES & LEGAL COMPLIANCE

This section governs the applicability, responsibility, and handling of taxes and legal obligations related to transactions conducted on the Bourmeg Platform.

13.1 Applicability of Taxes

All transactions on the Platform may be subject to applicable taxes, including but not limited to:

13.2 User Responsibility

Users acknowledge that:

obligations

Bourmeg does not provide tax advisory services.

13.3 Tax Deduction & Collection

Bourmeg may, where required by law:

Such deductions may include:

13.4 Invoice & Documentation

Bourmeg may:

However:

13.5 Vendor Classification & Compliance

Vendors using the Platform acknowledge that:

applicable

Bourmeg shall not be responsible for:

13.6 Regulatory Compliance

Bourmeg shall operate in accordance with:

Bourmeg may:

To align with evolving legal standards.

13.7 Data Sharing for Compliance

Where required by law, Bourmeg may:

13.8 No Liability for Tax Disputes

Bourmeg shall not be liable for:

13.9 Platform Discretion

Bourmeg retains the right to:

Based on regulatory changes or operational needs.

Bourmeg aims to maintain a compliant financial environment while ensuring clarity of responsibilities and minimizing legal risk for the Platform.

13. LIMITATION OF LIABILITY

To the maximum extent permitted by law:

Bourmeg is not liable for indirect or consequential losses Bourmeg is not responsible for service quality, delays, or disputes between Users beyond platform control. Platform liability is limited to the transaction value or commission earned (whichever is lower)

14. WALLET TERMS

This section governs the usage, control, limitations, and operational rules of the in-platform Wallet provided by Bourmeg.

14.1 Nature of Wallet

The Wallet is:

Users acknowledge that:

14.2 Wallet Usage

Users may use the Wallet to:

Wallet balance:

14.3 Wallet Balance Control

Bourmeg reserves the right to:

Such actions may be performed:

14.4 Wallet Freeze & Restrictions

Bourmeg may freeze or restrict wallet access in cases including:

During such period:

14.5 Expiry & Inactivity (Future Provision)

Bourmeg reserves the right to:

Such provisions may be implemented:

14.6 No Interest on Wallet Balance

Users acknowledge that:

14.7 Negative Balance & Recovery

While the Platform does not actively maintain negative balances:

Bourmeg reserves the right to:

14.8 Withdrawal Conditions

Wallet withdrawal is subject to:

Bourmeg may:

14.9 System Errors & Corrections

In case of:

Bourmeg reserves the right to:

14.10 Non-Transferability

Wallet balances:

Unless explicitly allowed by the Platform.

14.11 Platform Discretion

Bourmeg retains full authority to:

All decisions shall be final and binding.

The Wallet system is designed to facilitate smooth financial operations within the Platform while ensuring security, control, and compliance.

15. LIMITATION OF LIABILITY

This section defines the extent to which Bourmeg shall be liable for any losses, damages, or claims arising from the use of the Platform.

15.1 Platform as an Intermediary

Bourmeg operates solely as an intermediary platform connecting Clients and Vendors.

Users acknowledge that:

15.2 No Warranty of Services

Bourmeg makes no warranties or guarantees regarding:

All services are provided by independent Vendors.

15.3 Limitation of Financial Liability

To the maximum extent permitted by law:

Under no circumstances shall Bourmeg be liable for:

15.4 No Liability for User Actions

Bourmeg shall not be liable for:

15.5 Payment & Financial Systems

Bourmeg shall not be liable for:

15.6 Platform Availability

Bourmeg does not guarantee:

Downtime due to:

Shall not create liability.

15.7 Data & Security Risks

While reasonable measures are taken:

Users acknowledge that:

15.8 Dispute Outcomes

Bourmeg shall not be liable for:

15.9 Maximum Extent of Protection

All limitations in this section shall apply:

15.10 Platform Discretion

Bourmeg retains full authority to:

All decisions shall be final and binding.

This section is intended to protect Bourmeg from excessive liability while ensuring that Users understand the inherent risks associated with platform-based transactions.

16. FORCE MAJEURE

Bourmeg shall not be held liable for any failure, delay, interruption, or inability to perform its obligations due to events beyond its reasonable control.

16.1 Definition of Force Majeure Events

Force Majeure events include, but are not limited to:

16.2 Impact on Services

In the event of a Force Majeure situation:

Users acknowledge that:

16.3 Suspension of Obligations

During a Force Majeure event:

16.4 No Liability

Bourmeg shall not be liable for:

16.5 Recovery & Resumption

Bourmeg shall make reasonable efforts to:

However:

16.6 Platform Discretion

Bourmeg retains the right to:

All decisions shall be final and binding.

This section ensures that Bourmeg is protected from liability arising out of circumstances beyond its control while maintaining operational flexibility during unforeseen events.

17. PLATFORM CONTROL & AUTHORITY

This section establishes Bourmeg’s overarching authority to manage, control, and regulate all aspects of the Platform, its systems, users, and transactions.

17.1 Absolute Operational Control

Bourmeg retains full control over:

17.2 Right to Restrict or Suspend

Bourmeg may, at its sole discretion:

Such actions may be taken:

17.3 Financial Control Authority

Bourmeg reserves the right to:

17.4 System Rules & Automation

Users acknowledge that:

17.5 Policy Enforcement

Bourmeg has the authority to:

17.6 No Obligation to Provide Reason

Bourmeg is not obligated to:

17.7 Binding Nature of Decisions

All decisions made by Bourmeg:

17.8 Modification of System Behavior

Bourmeg may:

At any time based on operational or compliance needs.

17.9 Protection of Platform Integrity

All actions taken under this section aim to:

Bourmeg maintains full authority to operate and regulate the Platform to ensure stability, security, and compliance, and Users agree to abide by all such decisions and controls.

18. POLICY MODIFICATIONS (UPDATES & CHANGES)

Bourmeg reserves the right to modify, update, or revise this Policy at any time to reflect changes in operations, legal requirements, or platform functionality.

18.1 Right to Modify

Bourmeg may:

At its sole discretion.

18.2 Effective Date of Changes

All changes shall become effective:

18.3 User Responsibility

Users are responsible for:

Continued use of the Platform after any changes:

18.4 No Individual Notification Guarantee

Bourmeg may, but is not obligated to:

Updates may be communicated through:

18.5 Retroactive Application (Where Permitted)

Where legally permissible, Bourmeg may:

18.6 Conflict Resolution

In case of any conflict:

18.7 Platform Discretion

Bourmeg retains full authority to:

All decisions shall be final and binding. This section ensures that Bourmeg can continuously evolve its policies and operations in response to changing conditions, technologies, and regulatory requirements.

19. CONTACT INFORMATION

For any queries, concerns, complaints, or legal communications related to this Policy or financial transactions on the Platform, Users may contact Bourmeg through the following channels:

19.1 General Support

For general inquiries, assistance, or support requests:

19.2 Financial & Payment Queries

For issues related to payments, refunds, wallet, or transactions:

19.3 Legal & Compliance Contact

For legal notices, regulatory queries, or compliance-related matters:

19.4 Grievance Officer (India Compliance)

In accordance with applicable Indian laws, Users may contact the designated Grievance Officer:

19.5 Response Time & Limitations

Bourmeg shall make reasonable efforts to respond to queries within a reasonable timeframe.

However:

19.6 Communication Validity

Users acknowledge that:

19.7 Updates to Contact Information

Bourmeg reserves the right to:

Users are responsible for referring to the latest information available on the Platform.

This section ensures that Users have clear and structured communication channels while maintaining control over official interactions and legal correspondence.

20. FINAL ACKNOWLEDGEMENT

By accessing, registering, or using the Bourmeg Platform, Users acknowledge and agree to the following:

20.1 Acceptance of Policy

Users confirm that:

20.2 Binding Agreement

This Policy constitutes a legally binding agreement between:

Users agree to comply with all applicable provisions while using the Platform.

20.3 Consent to Platform Rules

Users acknowledge that:

policies

and binding

20.4 Assumption of Risk

Users agree that:

third-party interactions

20.5 Continued Usage as Acceptance

Users understand that:

20.6 Waiver of Claims

To the maximum extent permitted by law, Users agree to:

20.7 Entire Agreement

This Policy, along with other applicable terms and policies, constitutes:

20.8 Enforceability

If any provision of this Policy is found to be invalid or unenforceable:

By using the Platform, Users confirm their full acceptance of this Policy and agree to abide by all its terms without exception.