Terms & Conditions

1. Acceptance of Terms

By accessing and using Lokamalayali.com ("Website"), you agree to comply with and be bound by these Terms & Conditions. If you do not agree with any part of these terms, you must discontinue use of the Website immediately.

2. Eligibility

You must be at least 18 years of age to use our services. By using this Website, you confirm that you are legally capable of entering into binding contracts under Indian law.

3. Services Provided

Lokamalayali.com provides digital content, advertisements, listings, promotional services, and other related services. We reserve the right to modify, suspend, or discontinue any service at any time without prior notice.

4. User Responsibilities

• You agree not to use the Website for unlawful purposes.
• You shall not attempt to gain unauthorized access to systems or networks.
• You shall not upload malicious software or harmful content.
• You are responsible for maintaining the confidentiality of your account credentials.

5. Payments and Transactions

All payments on Lokamalayali.com are securely processed through Razorpay. We do not store debit/credit card details. Payment information is handled directly by Razorpay in accordance with PCI-DSS standards.

We are not responsible for payment failures caused by banking institutions, network issues, or payment gateway disruptions.

6. Pricing and Taxes

All prices are listed in Indian Rupees (INR) unless otherwise specified. Applicable taxes including GST may be charged as per Indian law. We reserve the right to modify pricing at any time.

7. Intellectual Property Rights

All content including text, graphics, logos, images, and design elements are the intellectual property of Lokamalayali.com. Unauthorized reproduction, distribution, or copying is strictly prohibited.

8. Third-Party Links

The Website may contain links to third-party websites. We are not responsible for the content, policies, or practices of external websites.

9. Limitation of Liability

Lokamalayali.com shall not be liable for indirect, incidental, or consequential damages including loss of profits, data, or business opportunities arising from use of the Website.

10. Termination

We reserve the right to suspend or terminate user access at our sole discretion if these terms are violated.

11. Governing Law & Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Kerala, India.

12. Amendments

We may update these Terms at any time. Continued use of the Website after changes constitutes acceptance of revised Terms.