Terms & conditions.

These terms govern your use of PayLap("the platform") and any investment opportunities listed here. By creating an account, browsing properties, or booking a plot, you agree to these terms in full.

PayLap is operated as a private investment platform. We are not a bank, broker, or registered financial advisor. Investments here are not deposits and are subject to risks tied to underlying real-estate developers.

To use PayLap, you must:

• Be 18 years or older.
• Be a resident of India with a valid government-issued identity proof.
• Have a verified bank account in your own name for withdrawals.
• Successfully complete the KYC process before booking any plot.

PayLap reserves the right to refuse service to any individual at its sole discretion, particularly where compliance, fraud, or risk concerns are flagged.

Each plot booking is a private investment contract between the investor and the underlying developer, facilitated by PayLap. The interest rate at booking is locked for the duration of the chosen plan and is not affected by future rate changes.

Maturity and accrual

Interest accrues daily from the moment your payment is approved. At maturity (the end of the chosen plan duration), principal plus accrued interest is credited to yourPayLap wallet automatically.

Risk disclosure

Returns are committed at booking but are not guaranteed by any government regulator. Capital is exposed to project-execution risk associated with the underlying developer. You acknowledge this risk before completing any booking.

Payments to PayLap are processed manually via UPI or NEFT to a verified bank account. You are responsible for ensuring receipts are accurate and uploaded promptly.

Withdrawals are processed to your KYC-verified bank account within one working day of request approval. Withdrawal requests for unmatured investments are reviewed case-by-case and may be declined or processed with forfeiture of accrued interest.

KYC is mandatory before any booking can be completed. You agree to provide truthful, current, and complete identity and address information. PayLap performs manual verification and may request additional documents at any time.

Submission of false or misleading information is grounds for immediate account termination and forfeiture of pending withdrawals, in addition to any legal remedies available to PayLap.

You agree not to:

• Use the platform for any unlawful purpose.
• Attempt to access another investor's account or data.
• Reverse-engineer, scrape, or interfere with platform services.
• Misrepresent yourself or transact on behalf of someone else.

To the maximum extent permitted by Indian law, PayLap and its operators shall not be liable for indirect, incidental, special, or consequential damages arising from your use of the platform or any investment outcome.

Total cumulative liability shall not exceed the value of fees, if any, paid by you toPayLap in the twelve months preceding the claim.

PayLap may update these terms from time to time. Material changes are notified to registered users. Continued use of the platform after a change constitutes acceptance.

For questions about these terms, contact support@paylap.in.