Terms & Conditions

The short version

LyPinn is a hyper-local notice-board app, free to browse and free to use within your free-tier Connect allowance. If you want more Connects you can buy consumable Connect credit packs via Apple In-App Purchase on iOS or Google Play Billing on Android (one-time purchases, no subscriptions, 12-month expiry — details in § 15). You agree to be kind, to follow Indian law, to keep cards anonymous and non-commercial unless you're on a business account, to honour the Neighbour Pledge, and to accept that the service can be paused, throttled or shut down at our discretion. Use of LyPinn is at your own risk — we are a marketplace of intent, not a vetting service.

1. Eligibility — 18+ self-declaration

You must be at least 18 years old to use LyPinn. We do not collect a date of birth at signup. Instead, by ticking the registration checkbox you make a legally binding self-declaration that you are 18+, that you are legally competent to enter this agreement under §11 of the Indian Contract Act, 1872, and that you accept both these Terms and the Privacy Policy. Misrepresenting your age is a material breach — we will terminate the account, retain server logs as required by law, and reserve every other remedy available to us.

1a. Who operates LyPinn

LyPinn is operated by LYPINN TECHNOLOGIES PRIVATE LIMITED (the "Company"), a private limited company incorporated under the Companies Act, 2013 of India (CIN: U62099GJ2026PTC183686), with its registered office at Ahmedabad, Gujarat 380058, India. The Company is your counter-party under these Terms. "LyPinn" and the LyPinn logo are trademarks of LYPINN TECHNOLOGIES PRIVATE LIMITED; the platform, app and website content are © LYPINN TECHNOLOGIES PRIVATE LIMITED, 2026.

For legal notice, email `contact@lypinn.com`. For IT Act / DPDPA grievances, use `grievance@lypinn.com`.

2. The Neighbour Pledge

Every account-holder ticks three commitments before they can publish or connect: 1. I'll keep it kind. No harassment, slurs, hate speech, threats, or targeting of any individual or group. 2. I won't share personal information. Names, home addresses, phone numbers, financial details, anyone's identity documents — none of that belongs on a card. 3. I'll always meet in public. Any face-to-face meeting prompted by LyPinn must happen in a public, visible location during reasonable hours. Tell a friend where you're going.

Breaking the Pledge is grounds for immediate account suspension.

3. What you can publish

Allowed

• Genuine, neighbourhood-relevant cards across the supported categories — Cause (community / activism / volunteer drives), Meet Up, Service, Sports, Urgency, Social, Mystery and your private Reminders.
• A business card with truthful contact intent if you signed up as a business account.
• GNotes — a 140-character note tied to a single spot, unlocked for the recipient inside the 500 m radius. A GNote can optionally carry one attachment: a ≤15 s voice clip you recorded, a Spotify track, a YouTube video, a sticker, a one-line song lyric, or a Strava route link you choose to share. By attaching a Strava route you confirm the route is yours to share (your own activity or a public route) and that Strava's own terms govern that route's contents.
• NLocal ideas — short proposals for neighbourhood-specific product features. Ideas are voted on by verified neighbours within the same 3 km radius and reviewed by LyPinn's sub- admin moderators. Posting an idea grants LyPinn a perpetual, royalty-free licence to evaluate, prototype, ship or decline the idea inside the product — see §3a below.
• A LyPinn ID (public handle) you have claimed for your account. Your LyPinn ID is permanent and identifies you to people you've trusted via LyPinn Connect; treat it the same way you would a public username on any other social product.

Not allowed (non-exhaustive)

• Anything illegal under Indian law, including but not limited to drug sales, weapons sales, sex work, trafficking, fraud, or facilitation of crime.
• Hate speech, harassment, doxxing, impersonation, spam, repetitive cards, or content targeting minors.
• Profanity targeted at a specific person or group. Our server runs a per-language profanity filter at card-create time and rejects obvious slurs; this is a backstop, not a complete shield — you are still responsible for what you post.
• Sexually explicit content of any kind. LyPinn is strictly not a hookup app even though connections are local.
• Political campaigning, election-related solicitation, large-scale petitioning, or content that endangers the public order.
• Any content that violates the IP rights of someone else — this expressly includes attaching a Spotify track, YouTube video, song lyric or Strava route you have no right to share.
• Multi-level marketing pitches, paid promotions or referral links disguised as neighbourhood requests.

We take down offending content the moment we hear about it. Repeated violations cost you your account.

3a. NLocal — community ideas, our roadmap

When you post an idea on NLocal you confirm that you have the right to do so, that no third party's rights are infringed by the post, and that LyPinn may build (or decline to build) anything inspired by the idea without owing you compensation, credit beyond the in-product credit, or any other consideration. Sub-admin moderators with the `nlocal.moderate` permission may edit your idea for clarity, merge duplicates, change its status (under review / planned / shipped / declined), or take it down if it breaches §3 above. We act on takedowns within a reasonable time of receiving a well-formed report, and (where the law requires) within 36 hours per Rule 3(2)(b) of the Intermediary Guidelines, 2021.

4. Connects and replies

Every connect costs one connect credit (we hand out credits free of charge based on your plan). The recipient may reply once, and then the thread is locked — there is no continuous DM channel on LyPinn. Use the locked thread to exchange contact info if you want to keep talking elsewhere; that's outside LyPinn's scope.

4b. LyPinn Connect and GNote daily limits

LyPinn Connect is an opt-in trusted-contact graph layered on top of LyPinn IDs. Sending someone a Connect request requires knowing their LyPinn ID; the recipient can accept or decline. Either side can pause incoming requests at any time from *Profile → Allow connect requests*. We do not surface your email address to anyone you've connected with — only the LyPinn ID you've chosen to make public.

Daily GNote cap. Every account starts at 1 GNote / 24 hours. You can request a higher cap from inside the app — the first request up to 10/day is auto-approved, anything above that goes to manual moderator review. The hard ceiling is 50 GNotes / day and applies to every account-holder regardless of plan. We reserve the right to lower or revoke an approved bump if we see abuse (spam, copyright violation, anything against §3 above).

Physical-gift QR (printable GNotes). You can flag a GNote as a *printable physical gift* at creation time. The GNote is held in a *deferred* state — the 24-hour clock does not start ticking until you tap Activate on the QR portrait page. Activation is one-time and irreversible: once tapped, the recipient has 24 hours to scan the printed QR and walk to the pinned spot. We do this on purpose — sending a GNote in a wrapped gift is a real-world ritual and the recipient's window should begin only when you choose. We don't refund or extend a GNote whose recipient missed the window. The QR encodes a stable LyPinn link; recipients can scan with any phone camera and, if they don't have the LyPinn app, will open a web fallback that asks them to (a) confirm the same email the GNote was addressed to, (b) enter a one-time 6-digit code we email them, and (c) share their phone's location so we can confirm they are physically near the pin. We log each step of this flow for compliance — see §2 of our Privacy Policy.

5. Reports, blocks, suspensions

Every card carries a Report menu and a Block this user option. Blocking is one-sided and instant — the blocked user's cards disappear from your feed; they can't see, connect, or interact with you. Reports flow to the moderation queue and may trigger a card takedown or account suspension. We do not promise an SLA on moderation but typically act within 24 hours of a well-formed report, and within 36 hours where Rule 3(2)(b) of the Intermediary Guidelines, 2021 applies.

6. Account closure

You can delete your account at any time from Settings → Account. We can suspend or terminate your account if you breach these Terms, the Neighbour Pledge, or applicable law; if you abuse the service in a way that harms other users; or if we are required to do so by a competent authority. We will tell you why where we lawfully can.

7. Service availability

LyPinn is offered free of charge on a best-effort basis. We do not guarantee uptime, latency, or that any specific feature will stay available. We may add, remove, or change features without notice. We may pause the service in regions affected by abuse, by request of authorities, or for maintenance. Features may also be turned off per device family or per content type via our feature flag system — in that case a clear "Not available on this device" badge appears in the UI.

7a. Per-feature opt-in

Reminders, GNotes, *Discovery — current location*, and Notify Me are all opt-in in LyPinn. All four default to OFF for every new account (the Discovery-location toggle was grandfathered to ON for accounts that existed before our 2026-05 release; the other three default OFF for everyone). You can turn any of them on or off at any time from Settings → Features (Reminders / GNotes / Discovery) or from Profile → Notify Me, and your choice takes effect immediately. Past data is preserved when you toggle off — only the ability to *add new ones*, *receive new ones*, *use your live GPS for Discover*, or *fire Notify Me pushes* is paused.

• Reminders OFF: the Reminder category disappears from Drop and Filters; existing reminders stay visible read-only.
• GNotes OFF: incoming GNotes are paused; senders are politely told you haven't enabled them; in-flight GNotes are held until you re-enable.
• Discovery — current location OFF: the Discover feed switches to a custom map pin you choose. You can only set one pin per 24 hours (the lock keeps it deliberate); when the lock expires we send a single polite push notification reminding you that you can change the pin if you'd like.
• Notify Me OFF: no keyword matching runs for your account and no Notify Me push can fire. Your saved keywords + pin are preserved so a re-enable resumes immediately. Notify Me pushes always deep-link to Discover (not to the specific matching card) — see §8 below for the disclaimer.

We don't share your opt-in choices with anyone but the sender attempting an action that needs it.

8. Disclaimers

LyPinn is a notice-board — we don't verify identity claims, we don't act as an introduction service, and we don't endorse any user, card, or activity. You meet other users at your own risk. Always meet in public. Trust your instincts. Tell someone where you're going.

Location-based reminders and GNotes (the in-app nudges that fire when you arrive at a pinned place) rely on the location and geofence services your device offers. They are a convenience, not a primary tool. Reminders run in the background only if you explicitly opt in; GNotes are foreground-only (they unlock the moment you next open LyPinn or scan the share link inside the pinned spot's radius). Notifications may be delayed, fire late, or be missed entirely depending on: GPS signal quality, your device's battery saver settings, manufacturer-specific power management (notably MIUI, ColorOS, Funtouch OS, OxygenOS, EMUI, and One UI), whether the app has been force-closed by the OS, and the granted location permissions. We do not maintain a continuously-running background location service. Do not use LyPinn reminders for time-critical or safety-critical tasks — set a separate alarm in your phone's clock app if you need a guaranteed nudge.

Notify Me alerts are an even softer convenience — a best-effort "a card near your pinned spot mentions something like one of your keywords" ping. Matching is a hybrid of substring search, LLM-generated synonyms, and a locally-computed semantic similarity score, and is not guaranteed: you may occasionally receive a notification for a card whose meaning is only loosely related (false positive) or *not* receive one for a card that, with hindsight, you'd have wanted (false negative). Notify Me pushes always deep-link to Discover (your normal 3 km feed centred on your current location) — not to the matching card directly. If you happen to be far from your pinned spot when a match fires, the matching card may not appear in your Discover feed at all; Notify Me is the *signal* that something interesting dropped, not a guaranteed delivery of the card itself.

8a. Sponsored content

Some content on LyPinn is sponsored, meaning a third party has paid or is licensed to display it. Sponsored content is labelled Sponsored or Presented by [name].

LyPinn does not endorse the claims made by advertisers. Any transaction you enter into with a sponsor is between you and the sponsor.

Approval by LyPinn is not verification. LyPinn reviews sponsored submissions for compliance with our Advertiser Policy (no illegal content, no misleading medical claims, no prohibited categories). This review is a formatting and policy check; it is not a factual verification of the advertiser's product, service, or claims.

Reporting. Tap the Report link on any sponsored card to flag it. LyPinn reviews reports within 24 hours and may take content down without notice.

Your controls. You can turn sponsored content off entirely, or turn off any of the personalisation signals (location, keywords, posted-cards history) from Settings → Ads & sponsored content.

9. Limitation of liability

To the maximum extent permitted by law, LYPINN TECHNOLOGIES PRIVATE LIMITED and its partners, employees, officers, and sub-processors are not liable for any indirect, incidental, special, consequential, exemplary or punitive damages — including loss of profits, revenue, data, goodwill, or business opportunity — arising from or connected with your use of the service, whether in contract, tort (including negligence), or any other theory. Our total aggregate liability for all direct claims arising out of or related to the service in any twelve-month period is capped at the greater of (a) the fees you actually paid to LYPINN TECHNOLOGIES PRIVATE LIMITED in that period, or (b) ₹5,000 (five thousand Indian rupees). For unpaid individual users the cap is ₹5,000 because the service is provided free of charge. Nothing in this clause limits liability that cannot be excluded under applicable law (e.g. death or personal injury caused by our gross negligence).

9a. Indemnity from you

You agree to indemnify, defend, and hold harmless LYPINN TECHNOLOGIES PRIVATE LIMITED and its officers, partners, and sub-processors from any third-party claim, demand, loss, damages, cost, or expense (including reasonable legal fees) arising out of (a) content you posted, (b) your breach of these Terms or Community Guidelines, (c) your violation of any law, or (d) your infringement of another person's rights (including intellectual property, privacy, and publicity rights).

9b. Licence you grant to LyPinn on your content

By posting a card, sending a Connect message, sharing a GNote (including its voice recording), proposing an NLocal idea, or otherwise submitting content on LyPinn, you grant LYPINN TECHNOLOGIES PRIVATE LIMITED a non-exclusive, worldwide, royalty-free, sub-licensable, transferable licence to host, cache, store, reproduce, adapt, translate, thumbnail, publicly perform and publicly display that content, solely to the extent necessary to operate, promote, and improve the service. You retain all ownership. The licence terminates when the content itself expires or you delete your account, except for (i) copies retained by users who received it before deletion, and (ii) backup copies kept for a reasonable period to comply with law.

9c. Prohibited content and conduct

You must not use LyPinn to post, share, transmit, or otherwise make available any content that is:

• Illegal under any law that applies to you or the recipient (drug sales, weapon sales, human trafficking, money laundering, tax evasion, etc.);
• Sexually explicit, pornographic, or nudity-based, including content that depicts, solicits, or is intended for the sexual exploitation of any person;
• Child sexual abuse material (CSAM) — zero tolerance; detected or reported CSAM is preserved and reported to the National Center for Missing & Exploited Children (NCMEC) and applicable Indian authorities;
• Terrorist, extremist, or violent-organisation content — including content that promotes, recruits for, funds, or glorifies terrorism;
• Self-harm, suicide, or dangerous-behaviour content that encourages, romanticises, or provides methods for harming self or others;
• Harassment, bullying, hate speech, or threats targeted at a person or group by reference to a protected characteristic (race, ethnicity, religion, national origin, caste, sex, gender identity, sexual orientation, disability, or serious disease);
• Doxxing or private-information sharing without the consent of the affected person (home address, phone number, government ID, financial account, private correspondence);
• Impersonation of another person, business, or official body (a satire flag is required if the parody is not obvious);
• Spam, mass-marketing, scams, phishing, or misleading claims — including fake reviews, fake giveaways, pyramid or Ponzi schemes, multi-level-marketing recruitment, and "get rich quick" content;
• Regulated products without a licence — including prescription pharmaceuticals, financial products lacking SEBI/RBI approval, and gambling/betting content in jurisdictions where these are restricted;
• Malware, viruses, exploits, or automated tools that attempt to break, overload, or circumvent our anti-abuse systems;
• Content that infringes another person's copyright, trademark, patent, trade secret, or moral rights (see the DMCA section below);
• Content that misuses another person's likeness, voice, or generative-AI deepfake of them without consent.

This is a non-exhaustive list. The full and evolving list lives in our Community Guidelines at `/legal/terms#community-rules` — you agree to be bound by it. Violations may result in content removal, account suspension, permanent ban, and (for repeat or severe violations) referral to law-enforcement.

9d. DMCA / copyright takedown

LYPINN TECHNOLOGIES PRIVATE LIMITED respects the intellectual-property rights of others and expects the same from you. If you are a rights-holder and believe content on LyPinn infringes your copyright, send a written notice to our designated agent that includes:

1. A physical or electronic signature of the person authorised to act on behalf of the rights-holder; 2. Identification of the copyrighted work claimed to be infringed; 3. Identification of the material claimed to be infringing and its location on LyPinn (URL or card ID); 4. Your contact details (name, address, phone, email); 5. A statement that you have a good-faith belief that use of the material is not authorised by the rights-holder or the law; 6. A statement, under penalty of perjury, that the information in your notice is accurate and that you are the rights-holder or authorised to act on their behalf.

> Designated Copyright Agent — Bhavik Patel > LYPINN TECHNOLOGIES PRIVATE LIMITED > Registered office: Ahmedabad, Gujarat 380058, India > Email: `dmca@lypinn.com`

We honour the DMCA notice-and-takedown procedure under 17 U.S.C. § 512 and the analogous provisions of the Indian Copyright Act, 1957 (as amended). We may also terminate accounts of repeat infringers. If you believe your content was removed by mistake, you may file a counter-notice at the same address containing the elements set out in 17 U.S.C. § 512(g).

10. Intermediary status

LYPINN TECHNOLOGIES PRIVATE LIMITED acts as an intermediary under § 2(1)(w) of the Information Technology Act, 2000 and is entitled to safe-harbour protection under § 79 of the IT Act when third-party content is published by users. We comply with the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and have appointed a Grievance Officer (see Privacy Policy § 1) and a Nodal Officer for law-enforcement coordination. Lawful takedown notices under Rule 3(1)(d) may be sent to `grievance@lypinn.com` and will be acknowledged within 24 hours and actioned within 72 hours of receipt.

11. Governing law, jurisdiction, and dispute resolution

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) are governed by, and construed in accordance with, the laws of the Republic of India, without regard to conflict-of-laws principles.

Exclusive jurisdiction. Subject to the class-action waiver below and to any mandatory consumer-protection law of your country of residence that overrides choice-of-forum, you and LYPINN TECHNOLOGIES PRIVATE LIMITED submit to the exclusive jurisdiction of the competent courts at Ahmedabad, Gujarat, India for any dispute arising out of or in connection with these Terms.

Arbitration attempt (India). Before commencing court proceedings, the parties agree to attempt resolution by arbitration seated in Ahmedabad under the Arbitration and Conciliation Act, 1996 — sole arbitrator, English language, arbitration to conclude within six months of appointment. This clause does not prevent either party from seeking urgent injunctive relief from the Ahmedabad courts.

Class-action waiver (users in the United States). If you access LyPinn from the United States, you and LyPinn LLP each waive the right to participate in any class action, collective action, or representative proceeding against the other. Any dispute must be brought in the party's individual capacity. If this waiver is held unenforceable, the specific dispute to which it is held unenforceable shall be severed and heard in the Ahmedabad courts.

11a. Boilerplate — force majeure, severability, waiver, entire agreement

Force majeure. Neither party is liable for delay or failure to perform caused by circumstances beyond its reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, epidemics, pandemics, government orders, or failures of internet infrastructure, cloud providers, or telecommunication carriers.

Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions continue in full force and effect, and the invalid provision will be replaced with an enforceable provision that best reflects the parties' original intent.

No waiver. Failure by either party to enforce any right does not waive that right or any other right on any later occasion.

Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. LYPINN TECHNOLOGIES PRIVATE LIMITED may assign these Terms freely, including as part of a corporate reorganisation or transfer of substantially all assets.

Entire agreement. These Terms, together with the Privacy Policy, the Business Terms (where they apply to you), and any policy expressly incorporated by reference (Community Guidelines, DMCA procedure), constitute the entire agreement between you and LYPINN TECHNOLOGIES PRIVATE LIMITED concerning the service and supersede any prior agreement.

12. Changes

We update these Terms when the service changes meaningfully or when law requires. A fresh acceptance prompt will appear in-app on your next visit after any material change, and your acceptance is recorded in the consent ledger (Privacy Policy § 6). Continued use after an update, combined with your explicit acceptance in the prompt, counts as agreement to the updated Terms. If you do not accept, we will log you out of your account and re-prompt on your next sign-in.

13. Contact

For anything legal, general support, grievances, or takedown requests, contact us at:

• General support / press: `contact@lypinn.com`
• Grievance Officer (India): `grievance@lypinn.com`
• Nodal Officer (24×7 law-enforcement): `nodal@lypinn.com`
• Copyright / DMCA agent: `dmca@lypinn.com`
• EU / UK data-protection queries: `grievance@lypinn.com` (EU representative will be appointed under GDPR Art. 27 prior to material EU rollout)

> LYPINN TECHNOLOGIES PRIVATE LIMITED · Ahmedabad, Gujarat 380058, India

14. Trending Keywords (v1.1.19)

LyPinn publishes a Trending Keywords surface that aggregates the most-saved Notify Me keywords across the platform. The surface respects a k-anonymity floor of 3 distinct users per keyword. You agree that anything you save as a Notify Me keyword may, once at least three other neighbours save the same or a normalised-equivalent keyword, appear in the aggregate Trending list — without your identity, your exact location, or the original text you typed beyond the first user's representative spelling. To opt out entirely, do not save that keyword in Notify Me; removing the keyword from your account also withdraws it from your individual tally on the next snapshot tick.

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20. Communication intermediary & safe harbour

LyPinn positions itself as a communication intermediary — a specialised discussion board that lets neighbours discover each other and pay a small fee to unlock a message. We are not a marketplace, an employer, an escrow, or a rating service. This section spells out the boundary in plain English so that neither you nor us are surprised later.

20.1 We are a pure communication utility

LyPinn is a pure communication utility. You act entirely at your own risk when you post a card, send a Connect, or accept a reply. LyPinn does not vet skills, does not curate through paid placement, does not resolve disputes, and does not stand behind the outcome of any conversation you start on the platform. Every user must accept this section before viewing or posting requirements — the Register / Accept button on the sign-up screen is the acceptance mechanism.

20.2 The "ID verified" badge — exact scope

When a user submits a valid government ID that our KYC vendor approves, we render an emerald `Verified` badge next to their name and on their cards. Tapping or hovering the badge always surfaces the same disclaimer:

> *This badge only means the user has submitted a valid government ID to verify their identity. It does not verify their skills, character, or background.*

The badge is a proof-of-real-person signal — nothing more. It does not certify that the user is qualified to perform any service, that their claims about experience are accurate, or that they have any licences that a regulated trade would otherwise require. You remain responsible for your own due diligence before hiring, paying, or meeting anyone you connect with through LyPinn.

20.3 Connect fees are for communication access — not outcome

Some flows on LyPinn (for example a business or provider paying to unlock a message to a lead) require you to spend Connect credits. The fee is paid to LyPinn strictly for the intent to connect and the communication access it unlocks. The fee is not a purchase of the underlying service; it is not an escrow deposit; and it is not tied in any way to whether the recipient replies, whether a deal is struck, whether payment changes hands offline, or whether the recipient turns out to be who you hoped they were. Connect fees are non-refundable regardless of the transaction outcome. The only refund windows are those explicitly listed elsewhere in these Terms (billing error, duplicate charge, or accidental double-tap within 10 seconds) and are triggered on our side; they never depend on your counter-party's behaviour.

20.4 Complete separation from offline payments

LyPinn is entirely blind to any financial arrangement you make with another user off-platform. We do not accept payments on their behalf, we do not hold funds in escrow, we do not generate invoices, and we do not observe the payment method, amount, or timing. As a direct consequence:

• We do not offer refunds for money you paid to another user offline, no matter how the deal ended.
• We do not run a dispute-resolution service for offline transactions. We will not weigh evidence, hear both sides, or attempt mediation.
• We do not indemnify losses. If a counter-party fails to deliver, delivers something different, or disappears, that is a matter between you and them (and, where relevant, the consumer forums / civil courts / criminal authorities). Reporting them to us so we can remove their account is the only intervention we can offer.

This separation is a feature, not a bug — it keeps LyPinn out of the escrow / payment-aggregator regulatory perimeter and protects both parties from having to disclose commercial detail to us.

20.5 No ratings, no reviews, no algorithmic curation

LyPinn deliberately does not run a formal star-rating system, a review feed, or algorithmic "top-rated professional" lists. Cards surface based on physical proximity, recency and language, plus the neighbour's explicit filters. We do not rank you against your peers; we do not weight paid placements above organic cards; and we do not curate you into or out of anyone's feed based on our opinion of your work. LyPinn is a raw, unfiltered communication feed — closer to a neighbourhood WhatsApp group than to a review site.

20.6 Your obligation to report — how our safe harbour stays intact

Because we do not moderate every post proactively, safe-harbour immunity under §79 of the Information Technology Act, 2000 depends on both parties cooperating. Every card, comment, Connect message and profile carries a visible "Report" affordance. If you see illegal activity (offering illegal substances, un-licenced medical procedures, financial pyramid schemes, child-safety violations, doxxing, fraud, etc.) you agree to:

1. Report it inside the app, using the Report button on the offending surface (Report Card / Report User / Report Message). The report opens a ticket that our administrator team is contractually bound to review within the time-frame required by the IT Rules, 2021. 2. Not act as vigilante. Threatening, harassing or exposing another user in retaliation for suspected wrongdoing is itself a Community Rules violation and will get your account suspended in parallel.

In return, LyPinn commits that any post flagged for illegal activity will be reviewed and, where the report is credible, taken down promptly. We publish a monthly transparency report of takedowns in the Grievance Officer section.

20.7 KYC hard-ban — one government ID, one account for life

If your account is terminated for scamming, fraud, illegal solicitation, doxxing, or any other severe breach of these Terms, the hash of the government ID that verified your account will be added to LyPinn's ban list. That specific ID will be blocked from ever re-verifying a new LyPinn account. The ban is applied to the ID hash — we do not retain the raw number — so we cannot lift it by "forgetting" you; the block survives account deletion, phone-number changes, and email changes. If you believe you were banned in error, contact the Grievance Officer (§9 of this document) within 30 days of the termination email — an admin will review the ticket and, if the ban is reversed, remove the ID hash from the list.

20.8 Constructive knowledge — what triggers our intervention

If our automated systems, keyword classifiers, or human administrators observe posts that appear to solicit or organise illegal activity, we will act on them without waiting for a user report. This is called "constructive knowledge" in Indian intermediary case law, and being proactive about it is part of what keeps our safe-harbour shield strong. Removal in these cases is a Terms enforcement action, not a censorship action; the user whose card was removed will receive a notice in-app naming the offending clause of these Terms.

_Section 20 added under safe-harbor-v1 on 3 March 2026._

21. Company posture — pure digital intermediary; third-party pass-through

This section restates, at the highest level, the legal character of the entity that operates LyPinn and of every relationship it has with you. It is aligned to the Objects Clause of the Memorandum of Association of LYPINN TECHNOLOGIES PRIVATE LIMITED, the company that operates the LyPinn platform (see § 1a). In case of any inconsistency between this § 21 and any earlier section that describes the platform in more product-flavoured language, the wording of this § 21 shall prevail for the purpose of characterising the relationship between you and the operator.

21.1 Nature of the platform

The operator provides a purely technology-enabled digital intermediary platform that facilitates introductions and initial communications between two or more independent users who voluntarily elect to interact with one another through the platform. The platform functions solely as a neutral conduit and technology layer; the operator is and shall remain an "intermediary" within the meaning of § 2(1)(w) of the Information Technology Act, 2000 and is entitled to safe-harbour under § 79 of that Act.

21.2 Off-platform interaction — principal to principal

Once an introduction has been initiated through the platform, all subsequent communication, dealings, negotiations, transactions, arrangements, meetings and interactions between the connected users occur outside the platform and are undertaken by such users on a principal-to-principal basis, entirely at their own risk and responsibility. The operator has no visibility, control or oversight over any off-platform interaction, and makes no representation, warranty or guarantee in respect of any such interaction, the conduct of any user, the outcome of any communication, or any consequence (including any loss, harm, claim, dispute, liability, cost or damage of any nature) arising from it.

You are solely responsible for evaluating the identity, credentials, intentions and conduct of any other user with whom you choose to interact off-platform, and for taking such precautions as you consider appropriate before doing so.

21.3 No service delivery, no endorsement, no rating mechanism

The operator does not supply, deliver, provide, guarantee, endorse, warrant, curate, rank, recommend, review, rate, verify the outcome of, or otherwise participate in any goods, services, transactions or arrangements that any users may agree upon or exchange amongst themselves following an introduction made through the platform.

The platform does not operate any rating, ranking, review, reputation, feedback, endorsement or scoring mechanism in respect of users, transactions or interactions occurring on or through the platform. Any user-interface element (such as an "ID verified" badge — see § 20.2) reflects only the completion of a third-party verification step and does not constitute any endorsement, warranty or rating by the operator. No content, listing, notification, communication trigger or user-interface element shall be construed as an offer, recommendation, solicitation, advice or invitation by the operator in respect of any goods or services.

21.4 Trigger mediums — digital or physical

The platform may enable users to initiate an introduction request through a variety of digital or physical trigger mediums, including machine-readable codes, optically scannable identifiers, printed identifiers, physical cards, tags, stickers, tokens, labels, wearable items, uniform resource locators, deep links, application programming interfaces, geolocation triggers, or any other digital or physical identifier or trigger mechanism (each a "Trigger Medium").

A Trigger Medium is solely a technological or physical trigger for a communication request. The provision, possession, scanning, activation or use of a Trigger Medium does not, of itself, create any service relationship between the operator and any user, nor any warranty or obligation on the operator in respect of the substance of any communication or interaction that may follow.

21.5 Third-party verification, KYC and business checks — pass-through only

Where any identity verification, Know-Your-Customer check, anti-money-laundering check, Goods and Services Tax registration verification, business identity verification, corporate identity verification, permanent account number verification, bank-account verification or similar check is required or requested in connection with your use of the platform, such check is conducted exclusively by duly licensed or authorised third-party service providers engaged by the operator on a pass-through basis.

The operator does not store, retain, control or process any personally identifiable identity document, biometric data, KYC record or verification-source document. All such data and records remain at all times under the sole custody, control and responsibility of the concerned licensed third-party service provider. The operator receives from that provider only a pass / fail verification outcome (and, where applicable, a masked or reference identifier) for the limited purpose of gating access to specific platform features.

Your relationship with any such third-party verification service provider is governed by the terms and privacy policy of that provider. The operator is not responsible for the acts, omissions, availability, accuracy or data-handling practices of any such provider.

21.6 Payments — licensed third-party processors

All payments to or through the platform (including subscription fees, activation fees, access fees, listing fees, facilitation fees, technology-usage fees, refunds and settlements) are processed exclusively through payment aggregators, payment gateways, banks and other financial-service providers duly licensed and authorised by the Reserve Bank of India or the relevant competent authority.

The operator does not itself hold, custody or handle customer funds in any manner requiring a payment-aggregator licence. All customer funds and payment credentials remain at all times with the licensed payment-service provider. The operator's role in respect of any payment is limited to instructing the licensed provider and receiving a status confirmation from it.

21.7 Precedence

This § 21 is intended to be read together with § 8 (Disclaimers), § 9 (Limitation of liability), § 10 (Intermediary status) and § 20 (Communication intermediary & safe harbour). Nothing in this § 21 dilutes any protection those sections afford the operator; where this § 21 provides a stricter or clearer characterisation of the operator's role, that stricter or clearer characterisation applies.

_Section 21 added on 18 February 2026 to align the platform Terms with the Memorandum of Association of LYPINN TECHNOLOGIES PRIVATE LIMITED (Objects Clause, MOA v1)._

22. Payments — Razorpay (web / Android-web)

Card, UPI, netbanking and wallet payments made on the LyPinn web app and Android web-checkout are processed by Razorpay Software Private Limited ("Razorpay") in Razorpay's own PCI-DSS Level 1 environment. LyPinn never sees or stores full card numbers, CVV, UPI PINs or netbanking passwords — those elements are collected and tokenised directly by Razorpay. LyPinn stores only the tokenised reference, last-4 digits, card brand / network / issuer, and the order + payment status for reconciliation, receipts and support.

If you tick "Save this card / instrument" at checkout, Razorpay stores an instrument token on your behalf under the RBI network-tokenisation framework. You can revoke that token at any time from Settings → Billing → Saved instruments.

All chargebacks and disputes are handled through Razorpay's dispute panel; you must still raise a support ticket with LyPinn first (see the Refund & Cancellation Policy). Refunds are same-instrument only and are credited back through Razorpay within 5 – 7 working days of initiation.

23. In-app purchases — Apple StoreKit & Google Play Billing

iOS. Purchases made inside the LyPinn iOS app go through Apple StoreKit and are billed by Apple to the Apple ID linked to your device. Prices displayed inside the iOS app are the final all-in prices set on the App Store for your region, inclusive of any applicable tax that Apple applies. Refund requests for iOS in-app purchases must be raised with Apple at `https://reportaproblem.apple.com` — LyPinn cannot process them.

Android. Purchases made inside the LyPinn Android app go through Google Play Billing and are billed by Google to the Google account linked to your device. Prices displayed inside the Android app are the final all-in prices set on Google Play for your region. Refunds within 48 hours can be requested at Play Store → Order history → Request refund; older refunds are considered by LyPinn on the terms in the Refund & Cancellation Policy and, if approved, processed back through Google Play.

Cross-platform entitlements. Credits, unlocks and licences bought on one platform (web / iOS / Android) can be used across all platforms on the same LyPinn account. Refunds always route back to the store that originally processed the payment. Use Settings → Billing → Restore purchases to re-sync entitlements on a new device.

See the standalone Refund & Cancellation Policy at `https://lypinn.com/legal/refund` for the full refund procedure, cooling-off window, and grievance-officer contact.

Free-to-use LyPinn communication cards. Connects sent to the following card types are always free and never consume a paid Connect credit from your wallet: (a) LyPinn Team broadcasts (system announcements from LyPinn to your feed); (b) LyPinn zero-state cards (feed-filler cards owned by the LyPinn Team ghost account when your local feed is quiet); and (c) Command-Centre (CC) placeholder cards (venue-owned reply-to cards, IDs beginning `ccph_`). This is a technical guarantee — the credit-consume path is skipped server-side for these card kinds — not a promotional offer.

_§ 22 and § 23 added on 5 March 2026 (v28 — Razorpay + StoreKit + Play Billing coverage; Ahmedabad jurisdiction unchanged); system-card free-connect clause added 9 March 2026 (v29 — auditor-visible confirmation of the always-free communication path)._

24. Verification is identity-only — LyPinn does not endorse

Where a user, affiliate, aggregator, sponsor or business account displays a "KYC Verified" badge on their profile or on any card they drop, the badge confirms one thing and one thing only: that the person's identity has been confirmed by our licensed KYC provider — Surepass Technologies Pvt. Ltd. — (typically via Aadhaar, PAN and, for business accounts, GSTIN look-up).

The KYC Verified badge is NOT, in whole or in part:

• an endorsement, recommendation or vouching by LyPinn of the person, their character, their offering, their product, their service, their price, their claims, or the safety, legality, quality or fitness-for-purpose of anything they post;
• a guarantee that any transaction, meeting, service, response or delivery arising from the connection will occur, be honest, be safe, or be lawful;
• a warranty of the truthfulness of the content on the card, the availability of the offer, the location claim, the price quoted, or the time-window offered;
• a substitute for the user's own due diligence, background checking, professional-licence check, safety precaution, written contract or in-person verification before acting on the card.

Posters (people who drop cards) and Connectors (people who respond to those cards) each use LyPinn at their sole discretion and risk. LyPinn provides a communication + discovery intermediary layer only (see § 10 Intermediary status, § 20 Communication intermediary & safe harbour, and § 21 Company posture — pure digital intermediary). Any obligation, agreement, exchange of value, service delivery, meeting or contract that arises between two users of LyPinn is strictly between those two users and is not a transaction with LyPinn.

By using LyPinn — whether to post cards or to respond to them — you acknowledge that:

• You will independently judge whether it is safe, legal and prudent to act on any card or connect with any other user;
• LyPinn's verification badges reduce impersonation and bot risk but do not remove your obligation to exercise judgement;
• LyPinn is not a party to any deal, service, meeting or transaction that arises from the platform and disclaims liability for outcomes of such deals to the maximum extent permitted under Indian law (see § 8 Disclaimers and § 9 Limitation of liability).

This § 24 is read together with §§ 8, 9, 10, 20 and 21 and, where any protection they afford LyPinn is broader than this § 24, the broader protection prevails.

_§ 24 added 5 March 2026 — identity-verification-only disclaimer; user-discretion + no-endorsement clarification._

25. Payment disputes, chargebacks & credit lockdown

LyPinn uses one-time Connect credits as its digital currency. Every purchase is idempotent, refundable via the mechanisms described in the Refund & Cancellation Policy, and matched to a verified LyPinn account. If you dispute a payment — whether through Razorpay, Apple StoreKit, Google Play Billing, or via a chargeback with your card issuer — the following applies.

25.1 Automatic lockdown on dispute open. From the moment LyPinn receives notice of a dispute, chargeback, or reversal request tied to your account, we may place the account under a "payment-dispute lockdown". While the lockdown is active you cannot buy new Connect credits and cannot spend any existing credits to Connect on other users' cards. You may continue to log in, view your feed, receive Connects from others and reply to threads other users initiate. This is a preservation measure — it prevents disputed funds from being drained while the case is still open.

25.2 What we tell you. When you attempt a blocked action, we display a plain-language message that says "There's an ongoing payment dispute on your account, so purchases and outbound Connects are paused. We'll notify you as soon as it's resolved." We do not disclose the case number, the counter-party's name, or any other party's evidence.

25.3 How disputes are resolved. LyPinn co-operates in good faith with the acquiring bank (Razorpay), Apple, Google, and — where applicable — your card issuer. Timelines are governed by the vendor's rules (typically 7–45 days). If the vendor rules in your favour, we lift the lockdown, revoke any credits tied to the reversed payment, and send you a confirmation email. If the vendor rules in LyPinn's favour after production of the signed KYC evidence and Connect logs required by RBI, Apple or Google, we may:

1. Lift the lockdown and let you continue as normal; or

2. Permanently suspend or terminate your account where the dispute was found to be fraudulent, filed in bad faith, or part of a pattern of abusive chargebacks. In such cases we may also share the case record with the vendor's abuse team, as their terms require. The choice between these outcomes is ours to make in good faith after reviewing the case.

25.4 Retention & audit. LyPinn keeps a record of every dispute — including the raised timestamp, resolution timestamp, outcome, and any admin notes — for at least seven (7) years or the period mandated by RBI / DPDPA, whichever is longer. You may request a copy of your own record via the DPDPA export flow.

25.5 Right to raise a dispute. Nothing in § 25 removes your statutory right to file a chargeback, approach the National Consumer Helpline, or complain to the Grievance Officer named in the Privacy Policy. The lockdown is not a penalty for filing — it is a mechanical preservation of the disputed funds while the process runs.

_§ 25 added 7 March 2026 — payment-dispute lockdown; automatic credit-purchase + outbound-Connect pause during vendor review; permanent-suspension lever on adverse chargeback ruling._

_Last updated: 7 March 2026 — v30 (§ 25 payment-dispute lockdown; automatic-refund via Razorpay `refund.processed`, Apple ASSNv2 REFUND/REVOKE, Play RTDN voidedPurchaseNotification; daily purchase cap of ₹5 000 per user per rolling 24 h). Previous: v29, 5 March 2026 (§ 24 KYC-verification-is-identity-only, no endorsement; § 22 Razorpay + § 23 StoreKit / Play Billing added earlier same day). Earlier: v27, 18 February 2026 (§ 21 Company posture — pure digital intermediary and third-party pass-through, MOA-aligned); v26, 12 July 2026 (LYPINN TECHNOLOGIES PRIVATE LIMITED entity, user-content licence, DMCA takedown, prohibited-content list, expanded liability cap, class-action waiver for US users, force-majeure boilerplate, Nodal Officer contact); safe-harbor-v1 section added 3 March 2026._

15. Marketing campaigns + lead forms (added 2026-02)

15.1 Campaign landing pages (`lypinn.com/l/<slug>`)

LyPinn-branded single-page forms we send paid traffic to from Meta, Google, and influencer partners. By submitting the form you:

• Create a LyPinn user account keyed on your email (or

re-attach to an existing one). We send a magic sign-in link to the email you provided; tapping it signs you into the app with no password needed.

• Post a Discover card on your behalf — your free-text

(up to 140 chars) becomes a public, hyper-local request visible to neighbours in your city. The card expires in 24 hours.

• Agree to be contacted by LyPinn via that email about your

specific request and about related platform updates. You can unsubscribe from marketing via the footer of every email.

• Explicitly consent to our data handling as described in

`/legal/privacy §13`.

15.2 Meta Lead Ads (Instant Forms)

If you submit a Meta Instant Form that targets LyPinn, the same flow as §15.1 applies: user created, Discover card posted, welcome email sent. The data pipeline is documented in `/legal/privacy §13.1`.

15.3 Influencer attribution

If you install the LyPinn app after tapping an influencer's link, we record the influencer's campaign ID + install timestamp via Apple's AdServices (iOS) or Google Play's Install Referrer (Android) so we can calculate the influencer's referral payout. The attribution data is anonymised and retained for 90 days — see `/legal/privacy §13.3`.

15.4 Your rights on landing-page / lead-ad data

• Delete your account from *Settings → Delete my data* — this

cascades through every collection that touched your submission (user, Discover card, verification events, meta_leadgen_ingest, landing_submissions). See `/legal/privacy §13.5`.

• Request a data export (DPDPA §11(2) / GDPR Art 15) from

*Settings → Export my data*.

• Opt out of marketing follow-ups via the Unsubscribe link in

any LyPinn email.

15.5 Landing-page submissions are NOT contracts for services

A landing-page submission is a request for help from the community — not an order placed with LyPinn. LyPinn is a discovery and connection platform; any service engagement that results from a Discover reply is a direct arrangement between you and the other LyPinn user. See §4 (platform liability).

Last updated: 10/8/2026