Terms & Conditions

Acceptance of these Terms

These Terms and Conditions (“Terms”) form a binding agreement between you and InstaLock (“InstaLock”, “we”, “us” or “our”) concerning your use of our website, software applications, dashboards, APIs, support channels and other services that we make available from time to time (collectively, the “Services”). By accessing the website, creating an account, accepting an invitation, installing or using an InstaLock application, registering a financed device, initiating an activation, or otherwise using any part of the Services, you confirm that you have read, understood and agree to these Terms.

If you use the Services on behalf of a distributor, retailer, finance partner, employer, organisation or other legal entity, you represent that you have authority to accept these Terms for that entity. In that case, “you” includes both you and the entity. If you do not agree with these Terms, or if you do not have the required authority, you must not use the Services.

Additional commercial terms, order forms, partner agreements, product schedules, operating procedures or service-level commitments may apply to authorised distributors, retailers or enterprise customers. If an expressly agreed written document conflicts with these general Terms, the written document will control only for the subject matter covered by it.

Nature of the Services

InstaLock provides a technology platform intended to support the management and protection of eligible devices supplied or financed through authorised business channels. Depending on your role and the configuration selected by an authorised partner, the Services may include retailer onboarding, customer registration, device enrolment, EMI-plan visibility, activation management, payment-status notifications, inventory information, network analytics, remote policy management, device-status information and completion or release workflows.

InstaLock is a technology service provider. Unless separately stated in a written agreement, we are not a bank, non-banking financial company, lender, credit bureau, payment system operator, debt-collection agency or seller of the underlying device. Any finance agreement, repayment obligation, interest, charge, refund, warranty, return, exchange or dispute concerning a device purchase is primarily between the customer and the relevant seller, lender, finance provider or payment service provider.

Features may differ by device model, operating-system version, business partner, location, integration, plan or applicable law. We may improve, modify, suspend or discontinue a feature when reasonably necessary for security, compliance, maintenance, product development or commercial reasons. We will use reasonable efforts to provide advance notice of a material change where practical.

Eligibility and authorised access

You must be legally competent to enter into a contract under applicable law to use the Services in your own name. If you are under eighteen years of age, you may use the Services only through a parent, lawful guardian or another person authorised under applicable law and the relevant finance arrangement. Business users must be duly authorised by their organisation.

Distributor and Retailer App access is limited to approved partners and their authorised personnel. We may request business-registration records, identity information, contact details, authorisation documents, store information, tax details or other verification material before activating or continuing access. You agree that all information supplied will be accurate, current and complete. We may refuse, limit or revoke access where verification is incomplete, information appears misleading, or continued access creates a security, legal or operational risk.

Accounts, credentials and security

You are responsible for maintaining the confidentiality of your login credentials, one-time passwords, device access, recovery methods and other authentication information. You must not share an individual account, allow unauthorised access or use another person’s credentials. Business administrators are responsible for assigning appropriate roles, promptly removing former personnel and reviewing access permissions.

You agree to notify us immediately if you suspect an account compromise, unauthorised activation, incorrect device registration, credential loss, suspicious transaction or security incident. We may require identity or business verification before restoring access. You remain responsible for activity performed through your account until you notify us, except to the extent that responsibility cannot lawfully be assigned to you.

You must maintain compatible, secure devices and current software. Rooted, jailbroken, modified, infected or otherwise compromised devices may not be supported. You must not disable security controls, obscure device identifiers, interfere with logging or attempt to bypass authentication or policy enforcement.

Device enrolment and EMI Locker protection

An eligible device may be enrolled only with valid authority and accurate customer, device and finance information. Retailers and other authorised partners must obtain all notices, permissions, acknowledgements or consents required by their agreements and applicable law before registering a customer or activating protection. Device identifiers, finance-plan details and customer information must be checked carefully before submission.

EMI Locker is intended to implement configured device-protection policies connected with an authorised finance journey. The exact behaviour may depend on the partner’s instructions, payment information received from relevant systems, network availability, device compatibility and technical conditions. A status displayed in an app is informational and may be subject to processing delays, partner data or reconciliation.

You must not activate, lock, restrict, release, remove or otherwise change device protection without lawful and contractual authority. Partners must maintain appropriate support and escalation processes for customers who report payment discrepancies, device changes, technical errors, emergencies or wrongful restrictions. InstaLock may pause an instruction where we reasonably suspect error, fraud, abuse, security risk or lack of authority.

Users must not factory-reset, flash, root, tamper with, reverse engineer, conceal, transfer or resell an enrolled device in a manner intended to defeat protection. A customer should contact the authorised retailer or finance provider before changing ownership, replacing a device, making major software changes or transferring the associated finance arrangement.

Payments, EMI information and third parties

Payment amounts, due dates, outstanding balances, repayment progress and similar information may originate from a retailer, distributor, finance provider, lender, payment gateway or another integrated third party. Although we aim to display received information accurately, the relevant finance agreement and the records of the authorised finance provider will ordinarily determine the actual amount due.

Any payment facility made available through or linked from the Services may be operated by a third-party payment provider. Its terms, fees, processing timelines and privacy practices may apply. InstaLock does not control a bank’s or payment provider’s approval, decline, reversal or settlement decision. If a payment appears missing or incorrect, you should retain evidence of payment and promptly contact the relevant partner and InstaLock support.

Fees payable by a distributor, retailer or enterprise customer for using the Services will be governed by the applicable order form or commercial agreement. Unless required by law or expressly agreed in writing, fees already earned for a completed billing period are non-refundable. Taxes will be charged where applicable.

Acceptable use and prohibited conduct

You may use the Services only for lawful, authorised business or personal purposes consistent with these Terms. You must not use the Services to harass, threaten, deceive or unlawfully restrict any person; register a device without authority; submit false KYC, finance, customer or device information; impersonate another person; facilitate fraud or unauthorised collection; or violate consumer, privacy, cybersecurity, intellectual-property or other applicable laws.

You must not copy, sell, sublicense or commercially exploit the Services except under an authorised partner agreement. You must not scrape the Services, introduce malware, overload infrastructure, probe for vulnerabilities, bypass rate limits, access non-public systems, derive source code, interfere with another account or use automated tools without our written permission. Security research must be conducted only through a programme expressly approved by InstaLock.

We may investigate suspected misuse and preserve relevant records. Where appropriate and legally permitted, we may cooperate with affected partners, payment providers, regulators or law-enforcement authorities. Nothing in these Terms requires us to disclose information where disclosure is prohibited by law.

Intellectual property and licence

The Services, including software, interface designs, text, graphics, trademarks, logos, databases, workflows and documentation, are owned by or licensed to InstaLock and protected by applicable intellectual-property laws. Subject to these Terms and any partner agreement, we grant you a limited, revocable, non-exclusive, non-transferable and non-sublicensable right to access and use the Services for their intended purpose.

You retain ownership of content that you lawfully submit. You grant InstaLock a limited right to host, process, transmit, reproduce and display that content only as reasonably necessary to operate, secure, support and improve the Services, comply with law and fulfil our contractual responsibilities. Feedback or suggestions may be used by us without restriction or payment, provided we do not identify you publicly without permission.

Privacy, records and communications

Our processing of personal data is governed by our applicable privacy notices, partner arrangements and law. Depending on the Service and your role, information may include identity and contact details, business records, device identifiers, account activity, finance-plan references, support communications, security logs and technical information. Business partners must collect and share personal data only with a lawful basis, appropriate notice and necessary authorisation.

We use reasonable administrative, technical and organisational safeguards. However, no internet service or storage system is completely secure, and we cannot promise absolute security. You should use strong credentials, protect devices, review communications carefully and report suspected incidents promptly.

You agree to receive operational communications necessary to provide the Services, such as authentication messages, activation confirmations, payment-status alerts, security notices, service updates and support responses. Promotional communications will be handled in accordance with applicable consent and opt-out requirements. Electronic records and acceptance methods may be used to administer the relationship, subject to applicable law.

Availability, support and updates

We aim to keep the Services available and reliable, but uninterrupted access is not guaranteed. Availability may be affected by maintenance, upgrades, telecom networks, power, cloud providers, third-party integrations, device conditions, cyber incidents, governmental action or events outside our reasonable control. We may perform urgent maintenance without advance notice where needed to protect users or systems.

Support will be provided through the channels and hours communicated for the relevant Service or partner plan. Response times are targets unless a separate signed service-level agreement states otherwise. You agree to install required updates where older software may create security, compatibility or performance risks.

Disclaimers and limitation of liability

To the maximum extent permitted by applicable law, the Services are provided on an “as available” basis. We do not guarantee that every device, finance product or third-party system will be compatible; that information supplied by third parties will always be complete or current; or that the Services will be uninterrupted or error-free. Nothing in these Terms excludes warranties, rights or remedies that cannot lawfully be excluded.

InstaLock is not responsible for the underlying sale, product quality, manufacturer warranty, lending decision, finance terms, payment-provider services, retailer conduct or a partner’s unauthorised or incorrect instruction. Each party remains responsible for its own acts, omissions, legal duties, customer communications and contractual commitments.

To the maximum extent permitted by law, InstaLock will not be liable for indirect, incidental, special, exemplary, punitive or consequential loss, or for lost profits, revenue, goodwill, business opportunity or data, arising from the Services. Where liability cannot be excluded, our aggregate liability relating to the Services will be limited to the amount paid to InstaLock for the affected Service during the three months immediately preceding the event giving rise to the claim, unless a written commercial agreement states a different limit or applicable law requires otherwise.

Partner responsibility and indemnity

To the extent permitted by law, a business user agrees to defend, indemnify and hold harmless InstaLock and its personnel from third-party claims, losses, penalties and reasonable costs arising from that business user’s unlawful conduct, unauthorised device action, inaccurate submission, breach of these Terms, violation of another person’s rights, or failure to provide required customer notices or obtain required authority. This obligation does not apply to the extent a claim was caused by InstaLock’s own breach, negligence or wilful misconduct.

Suspension and termination

You may stop using the Services at any time, subject to outstanding obligations under any finance, device, partner or commercial agreement. Deleting an application does not automatically cancel a finance arrangement, remove a valid device-protection policy or settle an outstanding payment.

We may restrict, suspend or terminate access if you materially breach these Terms, misuse the Services, create a security or legal risk, fail verification, do not pay agreed fees, or if access must be restricted to comply with law or an authorised partner instruction. Where reasonable, we will provide notice and an opportunity to remedy the issue. We may act immediately where delay could cause harm, fraud, unauthorised access or legal exposure.

Upon termination, the licence granted under these Terms ends. Provisions concerning payments, intellectual property, privacy, disclaimers, liability, indemnity, disputes and other provisions that by their nature should survive will remain effective.

Changes to these Terms

We may update these Terms to reflect changes in the Services, law, security practices or business operations. The revised version will be posted with a new “Last updated” date. If a change materially affects your rights or obligations, we will use reasonable efforts to provide additional notice through the website, app, account notification or registered contact details. Continued use after the effective date of revised Terms constitutes acceptance, except where applicable law requires another form of consent.

Governing law and disputes

These Terms are governed by the laws of India, without regard to conflict-of-law principles. Before commencing formal proceedings, you and InstaLock agree to make a good-faith attempt to resolve a dispute through written notice and reasonable discussion for at least thirty days. Nothing prevents either party from seeking urgent interim relief where necessary to protect systems, confidential information, intellectual property or users.

Subject to any mandatory consumer forum or other jurisdiction that cannot legally be excluded, the courts of competent jurisdiction in Gautam Buddha Nagar, Uttar Pradesh will have jurisdiction over disputes arising from these Terms or the Services.

General provisions

If any provision of these Terms is held invalid or unenforceable, it will be interpreted or limited to the minimum extent necessary, and the remaining provisions will continue in effect. A failure to enforce a provision is not a waiver. You may not assign your rights or obligations without our prior written consent; we may assign these Terms as part of a merger, restructuring, sale of business or transfer to an affiliate, subject to applicable law.

These Terms, together with applicable privacy notices and expressly incorporated written agreements, form the entire agreement regarding their subject matter. Headings are for convenience only. Words such as “including” mean “including without limitation”. Notices may be delivered electronically to the registered contact details, through an in-app message or by publication where legally permitted.