Terms & Conditions

Last Updated: February 2026

Welcome to MyLibrary ("Service"), accessible at https://mylibrary.itsdeligh.com/. By using this platform, you agree to be legally bound by these Terms & Conditions. If you do not agree, you must discontinue use immediately.

1. Nature of the Platform

MyLibrary is a technology platform designed to help users organize and initiate payments. MyLibrary is not a bank, financial institution, or custodian of funds. All transactions are executed through third-party financial institutions.

2. No Custody of Funds

At no time does MyLibrary hold or store user money. Funds move directly between users and their respective banks or payment providers.

3. User Responsibility

• You must provide accurate and complete information.
• You must be authorized to operate the linked financial account.
• You are responsible for verifying payment details before confirming.
• You must keep your login credentials secure.

4. Payment Delays

MyLibrary does not guarantee payment timelines. Delays may occur due to:

• Bank processing schedules
• Network downtime
• Compliance or verification checks
• Incorrect details entered by the user
• Technical outages beyond our control

5. Fraud Prevention

We reserve the right to monitor activity and suspend accounts if fraud or suspicious behavior is detected. Transactions may be blocked or reviewed without notice to comply with legal requirements.

6. Prohibited Use

You may not use MyLibrary for:

• Money laundering or illegal transfers
• Unauthorized collections
• Fraudulent billing or impersonation
• Any activity violating Indian laws

7. Disputes & Chargebacks

MyLibrary is not responsible for disputes between sender and recipient. All chargebacks or reversals must be handled through the respective bank or payment provider.

8. Limitation of Liability

MyLibrary shall not be liable for:

• Failed or declined transactions
• Incorrect data entered by users
• Banking system failures
• Financial losses due to delays or errors

9. Service Availability

We do not guarantee uninterrupted access. Maintenance or external failures may cause downtime.

10. Force Majeure

We are not liable for events beyond our control including natural disasters, cyber incidents, banking outages, or regulatory actions.

11. Digital Consent

All actions performed digitally on the platform constitute legally binding consent. System logs will be treated as valid proof of activity.

12. Intellectual Property

All software, design, and branding belong to MyLibrary and may not be copied or reused without permission.

13. Indemnification

You agree to indemnify MyLibrary against claims or damages arising from misuse of the Service.

14. Changes to Terms

We may modify these Terms at any time. Continued use means you accept the updated Terms.

15. Governing Law

These Terms are governed by the laws of India. All disputes shall fall under the jurisdiction of courts in Uttar Pradesh, India.

16. Contact

For any legal or support queries:

MyLibrary Administration
Email: admin@itsdeligh.com
Website: https://mylibrary.itsdeligh.com/