Terms & Conditions

Effective 25 September 2026 · Last updated 25 September 2026

These terms and conditions apply to the LetzPay Locker Android application and the LetzPay Locker dashboard hosted at https://l.letzshop.co.in (together, the "Service"), provided by LetzPay Locker (referred to as "we", "us", "our").

By downloading, installing, creating an account for or otherwise using the Service, you agree to these terms. If you do not agree, do not use the Service. Please read them carefully, together with our Privacy Policy, which explains how we handle personal data.

Questions? Contact emi.letzshop1@gmail.com.

1. What the Service is

LetzPay Locker lets a seller, dealer or administrator record customers and EMI (installment) plans, send payment reminders, and — where the customer's Android phone has the app installed — keep that device consistent with the payment schedule through Android device administration (a lock screen, restrictions and related controls), including after a reset.

The Service is a record-keeping and device-management tool. It is not a lender, a bank, an NBFC or a payment processor, and it does not give financial advice.

2. Eligibility and accounts

• The Service is for use by businesses and adults acting for a business. You must be at least 18 and legally able to enter a contract.
• You must give accurate information when creating an account and keep it up to date.
• You are responsible for keeping your username, password, dealer code and retailer code confidential, and for all activity under your account. Tell us at emi.letzshop1@gmail.com immediately if you believe they have been compromised.
• Dealers may create retailer accounts and assign enrolment keys; retailers may create and manage their own customers. You will not use an account to access data you are not authorised to see.

3. Customer devices, consent and restrictions

• Before installing the app on a customer's phone, the seller must obtain the customer's informed consent to the enrolment, the device restrictions and this policy, and must give the customer a copy of the Privacy Policy and these terms.
• The customer must tick the consent checkbox on the linking screen. Enrolling a device without the buyer's consent is not permitted.
• While enrolled, the app acts as Android Device Owner and may block factory reset, safe boot, date/time changes and uninstall, suspend the Settings launcher or other apps, show a lock screen with the seller's message, set or clear the lock-screen password through Android's own confirmation, reboot the device and arm Factory Reset Protection.
• Emergency calls always remain available, including while the device is locked. The dialler is never blocked.
• All restrictions are cleared when the seller releases the device; the app can then be uninstalled normally.

4. Financing arrangements are between you and your customer

The price, interest rate, tenure, EMI amount, due dates and grace period are entered by the seller. The Service simply stores them, calculates the schedule, sends reminders and enforces the lock timing derived from them.

• The seller is responsible for the accuracy of those figures and for the lawfulness of the agreement with the buyer.
• We are not a party to that agreement, do not verify it, and are not responsible for disputes between seller and buyer, including any claim about payment, pricing or interest.
• Marking an installment "paid" is an entry made by the seller; it is not an independently verified payment confirmation.

5. Payments

Payment links in the Service open your chosen payment provider's page (for example a UPI or gateway page). Payments are made directly to that provider and to the seller's own account. We do not collect, hold, process or refund money, and we never see card numbers, UPI PINs or bank credentials. Any fees, refunds and settlements are governed by your agreement with that provider.

6. Acceptable use

You will not, and will not help another person to:

• Reverse engineer, decompile, modify, translate or create derivative works from the app, or remove trademarks or copyright notices
• Circumvent, disable or tamper with the device-administration, lock, anti-reset or Factory Reset Protection features, or sell a financed device before it is released
• Use the Service for any unlawful, fraudulent, harassing, deceptive or infringing purpose, or to track a person without a lawful basis and proper consent
• Interfere with or disrupt the Service, probe or breach security, or access another person's account without authorisation
• Resell, sublicense or commercially exploit the Service except as agreed in writing with us

7. Intellectual property

The Service, including its name, logo, app, source code, documentation and databases, and all trademarks and copyrights in them, remains the property of LetzPay Locker or its licensors. Unauthorised copying, modification, distribution or republication is prohibited. If you send us feedback or suggestions, you grant us the right to use them without obligation or compensation.

8. Third-party services and your device

The Service depends on third parties (our hosting provider, Google Firebase Cloud Messaging and Play services, Twilio, GreenAPI, OpenStreetMap and your payment provider), each operating under its own terms. Their availability is outside our control.

You are responsible for your internet connection, mobile data and any SMS/WhatsApp charges for reminders, and for keeping the enrolled phone charged and connected. Because the app restricts certain device functions during the financing term, some features of your phone may be unavailable until the device is released.

9. Fees

The core Service is currently provided without charge for use within your own business. If we introduce charges for any part of the Service, we will give you reasonable advance notice. Continuing to use the Service after such notice means you accept the applicable charges.

10. Availability, changes and termination

• We may modify, suspend or discontinue any part of the Service (including for maintenance or security) with as much notice as is reasonable in the circumstances.
• We may suspend or close your account if you breach these terms, if required by law, or if the Service is discontinued.
• On termination you must stop using the Service. Provisions that by their nature should survive (including intellectual property, disclaimers, liability limits and governing law) survive termination.

11. Disclaimer

The Service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the Service will be uninterrupted, error-free or secure, that device locks will prevent every loss, or that the Service will be compatible with every device or Android version. You use it at your own risk.

12. Limitation of liability

To the maximum extent permitted by applicable law, we and our directors, employees and partners will not be liable for any indirect, incidental, special, consequential or punitive damages, or for loss of profits, data, goodwill or business opportunity, arising out of or in connection with the Service or these terms — including lost or damaged devices, missed payments, device lockouts, unavailability of the Service or actions taken on an enrolled device. Our total aggregate liability for any claim is limited to the amount you paid us for the Service in the twelve months before the claim (or, if you have paid nothing, one hundred Indian rupees).

13. Indemnity

You agree to indemnify and hold us harmless from claims, losses and expenses (including reasonable legal fees) arising from your use of the Service, your breach of these terms, your financing arrangements with customers, or your failure to obtain the consents required by law.

14. Privacy

Our Privacy Policy explains how we collect and handle personal data and is incorporated into these terms by reference.

15. Governing law and disputes

These terms are governed by the laws of India. Any dispute is subject to the exclusive jurisdiction of the courts of competent jurisdiction in India. Before filing a claim, please contact emi.letzshop1@gmail.com and let us try to resolve it amicably within 30 days.

16. Changes to these terms

We may update these terms from time to time. The current version and its effective date are published at https://l.letzshop.co.in/terms-and-conditions. If you continue to use the Service after an update, you accept the revised terms.

17. Contact

LetzPay Locker Email: emi.letzshop1@gmail.com Dashboard: https://l.letzshop.co.in