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TERMS AND CONDITIONS FOR USE OF THE MULLTIPLY PLATFORM


Last Updated on Sept 18, 2025


Please read these terms and conditions ("Terms") carefully before accessing or using the Platform (defined hereinafter). These Terms, along with the Privacy Policy published on the Platform ("Privacy Policy") and other policies (as may be notified/displayed/published on the Platform), constitute the contract between the Users of this Platform, the Company, and its affiliates providing services through the Platform (collectively "Agreement"). By use of the Platform, Users agree to be bound by this Agreement as posted on the Platform from time to time. These Terms are an electronic record under applicable electronic transactions laws and evidence of consent and will not require any physical, electronic, or digital signature by the Company or Users.


1. Introduction to Mulltiply's Terms

This section establishes the foundational context of these Terms and Conditions, defining the Mulltiply Platform, its operating entities, and the comprehensive scope of the agreement that governs all user interactions.


1.1 What is Mulltiply and Who Operates It?

Mulltiply is a cutting-edge Seller-to-Buyer platform specifically designed to revolutionise sales and last-mile distribution. Its core objective is to streamline operations and significantly boost profitability for both Buyer and Seller by creating a seamless supply chain. This innovative platform serves as a vital bridge between these two distinct entities within the commercial ecosystem.

The "Platform" encompasses applications such as MulltiplyD, MulltiplyR, Mulltiply, which are readily available on major mobile platforms such as the Google Play Store and Apple App Store, or any other application or website that is owned and managed by Mulltiply Inc. These digital interfaces collectively provide the environment through which all services are rendered and transactions facilitated.

The operation of the Platform is primarily managed by two key entities. Mulltiply, Inc., a company incorporated and registered in the United States of America, with its headquarters located at 2026 Lynn Ave, Los Gatos, CA USA 95032, holds the exclusive ownership and development rights for the Mulltiply platform. Complementing this, Mulltiply Tech India Pvt Ltd with its headquarters located at 1703A, Iconic Tower, Sector 62, Noida Uttar Pradesh, India 201301 has been granted an exclusive license by Mulltiply, Inc. to market and distribute the software and its comprehensive services specifically within India. For the purposes of this Agreement, the term "Company" collectively refers to Mulltiply, Inc., Mulltiply Tech India Pvt Ltd, and any of their affiliates that provide services through the Platform.

The Company's role does not extend beyond transaction facilitation. It is limited to managing the Application and associated marketing efforts, streamlining order management, facilitating payment collections, optimising logistics, implementing smart inventory solutions, managing workforce dynamics, and providing various other incidental services. These services are designed to enable efficient transactions and comprehensive business operations between Seller and Buyer, as well as for other businesses that leverage the platform's broader management capabilities ("Services"). Mulltiply functions as a robust B2B SaaS provider, offering tools that cover the entire spectrum of business management, from sales efficiency to supply chain optimisation.


1.2 Applicability and Binding Nature of These Terms

This Agreement applies to any individual or entity upon their engagement with the Mulltiply Platform. This includes, but is not limited to, installing, downloading any applications, APKs or materials, visiting, or accessing any part of the Platform, or utilising any of its Services either as a Buyer or Seller. All such individuals or entities are collectively referred to as "Users," a term that encompasses Seller, Buyer, Merchants, and other Businesses or content contributors.

The Agreement becomes legally binding on the User and the Company from the moment the Application is downloaded, the Website is accessed, or, alternatively, on the date when any terms of this Agreement are updated and posted on the Platform with or without any notification.


1.3 Modification of Terms

The Company maintains the unilateral right to update, change, or replace any part of this Agreement with or without any notification. Such modifications will be made effective immediately upon their publication on the Platform. This provision allows Mulltiply to adapt its terms to evolving business practices, technological advancements, or changes in legal requirements.


It is the explicit responsibility of all Users to periodically review this page for any changes. A User's continued engagement with or access to the Application subsequent to the posting of any amendments signifies their full acceptance of those changes.


1.4 User Acceptance of Terms

Should a User find any terms of this Agreement unacceptable, they are strongly advised to refrain from using the Platform. Continued use of the Services, however, unequivocally signifies the User's agreement to abide by all terms of this Agreement, including any updates or modifications made over time.


Table 1: Key Definitions

To ensure clarity and precision throughout this document, particularly given Mulltiply's operational model, the following key terms are defined:

TermDefinition
PlatformCollectively refers to the Mulltiply application(s) (available on Google Play Store and Apple Store) and the website at www.mulltiply.com.
CompanyCollectively refers to Mulltiply, Inc. (US-incorporated owner and developer) and Mulltiply Tech India Pvt Ltd (exclusive licensee for India), and their affiliates providing services through the Platform.
User(s)Any person or entity installing, downloading, visiting, or accessing any part of the Platform or utilising the Services, including Seller, Buyer, Merchants, and other Businesses.
Seller(s)Registered Users of the Platform who offer products for sale to Buyer, whether by listing, advertising, or otherwise making products available on the Platform, regardless of whether an actual sale is completed. This includes Seller who provide product details, pricing, promotions, or otherwise express intent to sell through the Platform. Seller remain solely responsible for the quality, authenticity, legality, safety, and compliance of their products with all applicable laws and standards. 'Seller' include their permitted affiliates, officers, employees and agents.
Buyer(s)Registered Users of the Platform who purchase products from the Seller, or who demonstrate intent to purchase such products (including but not limited to browsing, adding items to cart, initiating an order, or engaging with offers on the Platform). 'Buyer' include their permitted affiliates, officers, employees and agents.
ServicesAll functionalities and offerings provided by Mulltiply through the Platform, including order management, payments facilitation, payment advance, discounts, offers, marketing services, returns, logistics, inventory optimisation, workforce management, and analytics.
AgreementThese Terms and Conditions, the Privacy Policy, and any other policies notified, displayed, or published on the Platform.
OrderA request placed by a Buyer for products listed by a Seller on the Platform, whether through direct purchase, addition of items to cart followed by checkout, participation in promotional offers, or any other mechanism provided on the Platform. An Order shall also include any confirmed expression of intent to buy, whether or not payment has been initiated or completed at the time of placement. All Orders are subject to acceptance, confirmation, and fulfillment by the Seller, and the Company shall bear no responsibility or liability for any failure, delay, or deficiency in such acceptance, confirmation, or fulfillment. In the case of prepaid orders, where the Buyer has already made payment for the transaction, such orders shall be treated as confirmed upon placement. However, the Seller retains the full right to cancel any order if there are valid and justifiable reasons, including but not limited to lack of inventory, non-serviceable delivery areas, or any other reasonable grounds. In the event of cancellation or denial of service for prepaid orders, the full amount paid shall be refunded to the Buyer without any deductions or charges, and such refund shall be processed within seven (7) business days of the cancellation, credited back to the original payment method. The Seller’s confirmation (or cancellation, where applicable) shall be considered final. The Company may, at its sole discretion, facilitate communication or provide limited support in dispute resolution between Buyer and Seller; however, it is under no obligation to do so, and any such facilitation shall not be construed as acceptance of liability by the Company.
User TransactionCommercial dealings and agreements conducted bilaterally between Seller and Buyer facilitated by the Platform.

Establishing these precise definitions from the outset is crucial for a platform like Mulltiply. Unlike a general consumer marketplace, the roles of "Seller" and "Buyer" are distinct and carry specific responsibilities.


2. Account Registration, Suspension, and Termination

This section details the prerequisites and conditions for establishing, maintaining, and, if necessary, terminating a user account on the Mulltiply Platform.


2.1 Account Creation Requirements

To access the comprehensive Services offered on the Mulltiply Platform, prior registration and the creation of an account are mandatory; the Company does not permit Users to avail Services without this preliminary step. Upon successful registration, Users become members, and their membership is strictly limited to the purpose of conducting legitimate business activities through the Platform, such as buying, selling, or managing operations, and is explicitly non-transferable.


2.2 User Eligibility Criteria

Access to the Services on the Platform is granted only to Users who possess the legal capacity to form binding contracts under the applicable laws of their jurisdiction (for example, the Indian Contract Act, 1872 for operations in India). Furthermore, all Users must be at least eighteen (18) years of age. This age requirement aligns with standard legal practices for contractual agreements.
The Company reserves the right to terminate a User's account or deny access to the Platform if it is discovered or brought to the Company's notice or if it is discovered that the User does not meet these fundamental eligibility criteria. By accessing or using the Platform, Users explicitly represent and warrant that they possess the legal right to do so.


2.3 Registration Information and User Consent

During the registration process, Users are required to provide accurate and valid business details, including but not limited to contact information such as a phone number and email address, PAN, GST, FSSAI, ISI, along with any other necessary particulars as appropriate and required under applicable law. The Company may, at its discretion, also request supporting documents, certifications, or licenses to verify the authenticity of the User and to establish the User’s business entity. This information and documentation are essential for establishing and maintaining the User’s profile, facilitating transactions, ensuring legal and regulatory compliance, and enabling effective communication. Failure to provide such information or documentation, or the provision of false or misleading information, may result in suspension, restriction, or termination of the User’s account at the sole discretion of the Company.

By registering, Users provide explicit consent for the Company to contact them via various communication channels, including phone calls, SMS notifications, instant messages, Whatsapp, or other means, for purposes such as service updates, legal compliance, verification of information, subscription information, and promotional content. Users retain the option to 'opt out' of such communications through provided mechanisms or by contacting the support team. It is paramount that Users provide and maintain accurate, current, and complete information throughout their engagement with the Platform, as this directly impacts the Company's ability to communicate effectively.

A critical aspect of using Mulltiply's services involves the use and sharing of personal information for advertising and other related services, which the Company deems essential for the maintenance and operation of the platform. Failure to provide consent for this specific use of information may lead to the termination of services. This condition underscores that certain data sharing is not merely an optional privacy setting but a fundamental requirement for the provision of Mulltiply's services, establishing a direct link between user consent for data utilisation and continued access to the platform.


2.4 Account Suspension and Termination

The Company retains the right to suspend or terminate a User's account or their access to any part of the Services on the Application without prior notice. In such instances, Users remain fully liable for all amounts due up to and including the date of termination. This action may be taken under several circumstances:

If any information provided by the User during registration or subsequently proves to be inaccurate, not current, or incomplete.

If, in the Company's sole assessment, the User has engaged in activities that are unlawful, fraudulent, negligent, or otherwise detrimental to the Company's interests. This broad phrasing is designed to cover a range of commercial risks specific to a marketplace platform, such as non-payment, breach of commercial agreements, or misuse of the platform's business management tools

If the User has failed, or is suspected of having failed, to comply with any term or provision of this Agreement or any applicable law.

If the User is found to be non-compliant with the Fair Usage Policy outlined in Section 5 of this Agreement.

Should a violation of this Agreement give rise to criminal or civil action, the Company may, at its sole discretion, pursue such legal recourse. Furthermore, in cases of alleged fraud or other breaches of this Agreement by a User, the Company may, at its sole discretion, withhold all amounts payable to that User and impose penalties, which may be offset against any monies owed by the Company to the User with or without notice. These financial implications serve as a deterrent against non-compliance and provide the Company with recourse in instances of breach.


2.5 User Responsibilities for Account Security

The existence of an account on the Platform authenticates the User's actions. Consequently, the User bears sole responsibility for all activities conducted under their account, and all transactions initiated by such User are presumed to be for bona fide business purposes.

Users are obligated to maintain the strictest confidentiality of their user identification code, password, and any other security information provided by the Company. This information must not be disclosed to any person or entity other than the Company. This is a fundamental security measure to protect the integrity of the User's business operations on the Platform.

It is important for Users to acknowledge and agree that possessing an account on the Platform does not confer any rights beyond those specifically granted by the Company. Users have no ownership or other interest in the account itself, as all rights pertaining to the account are, and shall perpetually remain, vested in the Company.

Upon registration, Users may be provided with a password-protected or an OTP verified account and an identification. Users expressly agree to:

Maintain the confidentiality of their password and OTP, where applicable.

Assume full responsibility for all activities conducted by individuals accessing the Application through their account.

Immediately notify the Company of any unauthorised use of their account or any other breach of security that they become aware of.

Ensure they properly log out from their account at the end of each session.


2.6 KYC/AML & Sanctions Compliance

Users shall provide KYC information requested by the Company or its payment/credit partners and represent that neither they nor their beneficial owners are subject to any applicable sanctions or debarment lists. Users shall comply with anti-money-laundering, anti-bribery and anti-corruption laws. The Company may suspend or terminate Services, or block settlements, if compliance checks fail or risk thresholds are exceeded.


3. Platform Operations and Financial Terms

This section provides a detailed exposition of how transactions are processed, commercial agreements are structured, payments are managed, and specific financial incentives or charges are applied within the Mulltiply platform.


3.1 Order Placement and Fulfilment

The Mulltiply Application facilitates the placement of orders by Buyer for products listed by Seller on the Platform, subject to the terms of this Agreement. Orders placed on the Platform shall be confirmed by the respective Seller and shall not be deemed automatically confirmed unless explicitly stated. In the case of prepaid orders, where the Buyer has already made payment for the transaction, such orders shall be treated as confirmed upon placement. However, the Seller retains the full right to cancel any order if there are valid and justifiable reasons, including but not limited to lack of inventory, non-serviceable delivery areas, or any other reasonable grounds. The Company will electronically notify both the Seller and the Buyer of order confirmations, cancellations, or changes in availability and pricing, as communicated by the Seller. In the event of cancellation or denial of service for prepaid orders, the full amount paid shall be refunded to the Buyer without any deductions or charges, and such refund will initiate within 7 business days of the triggering event (cancellation/automatic refund). The Seller’s confirmation (or cancellation, where applicable) shall be considered final.

The Company’s role is strictly that of a facilitator. Mulltiply does not own, sell, or resell any products directly, nor does it control the Seller or the quality, legality, or authenticity of products offered. Its function is solely to facilitate transactions between Seller and Buyer, acting as a marketplace and providing essential business management tools. The Company makes diligent efforts to promptly update User accounts and other relevant information to ensure smooth transaction completion. Consequently, Users are required to provide current, complete, and accurate purchase and account information for all transactions conducted on the Application.

The ultimate responsibility for the listing, quality, safety, suitability, delivery, and fulfilment of orders to Buyer rests entirely with the Seller. Seller are solely accountable for ensuring compliance with all applicable laws, standards, and regulations. Any supplementary services provided by the Platform in relation to such orders—such as logistics, communication support, or payment processing—are rendered purely in the capacity of a service provider to the Seller or Buyer. Accordingly, the Platform does not establish any direct contractual relationship with the end consumer, nor does it assume any liability for the acts, omissions, or obligations of Seller. The Company may, at its sole discretion, facilitate communication or provide limited support in dispute resolution between Buyer and Seller; however, it is under no obligation to do so, and any such facilitation shall not be construed as acceptance of liability by the Company.


3.2 Commercial and Contractual Terms

All commercial and contractual terms pertaining to sales are exclusively determined and agreed upon between the Seller and the Buyer. These terms include, but are not limited to, product pricing, delivery dates, delivery periods, payment modes, methods of delivery, and product warranties. The Company does not own, control, influence, or participate in any way in the offering, negotiation, or acceptance of these commercial or contractual terms. Seller and Buyer shall be solely responsible for all obligations arising from such terms.

The Company’s role is limited strictly to providing a neutral platform to facilitate transactions, and in no event shall the Company be held responsible for product quality, delivery, warranty, pricing, payment defaults, or any disputes between Seller and Buyer. All such matters must be directly resolved between the contracting parties without any recourse to the Company


A. Returns, Refunds, and Cancellations (Seller-Governed)

• Users acknowledge that Returns, refunds and cancellations are governed solely by the applicable Seller policy and/or the commercial terms agreed between Buyer and Seller for a given order. Mulltiply does not publish or impose any platform-wide return/refund window. Buyers must contact the Seller directly to initiate a request and to obtain eligibility, timelines and procedures. Mulltiply may, at its discretion, facilitate communication but does not accept or process physical returns on behalf of Sellers and does not adjudicate eligibility.

• The Company disclaims all responsibility and liability relating to returns, refunds, product defects, or cancellations. • Refunds, where applicable, shall be processed exclusively between Seller and Buyer; the Company acts only as a facilitator of payment infrastructure and shall have no liability for such settlements.


B. Express Warranties and Limitations of Liability

• All products listed and sold on the Platform are warranted solely by the Seller. The Company provides no express or implied warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, title, or non-infringement.

• The Company disclaims all liability arising from or relating to product quality, safety, legality, authenticity, or defects.

• All legal, statutory, and regulatory compliance obligations (including but not limited to GST, FSSAI, labeling, packaging, consumer protection, licensing, and safety standards) rest solely with the Seller. The Company bears no responsibility for ensuring such compliance.

• The Company’s maximum liability, if any, for any claim under this Agreement shall be limited strictly to the amount of fees (if any) actually received by the Company from the User for the transaction giving rise to the claim. In no event shall the Company be liable for indirect, incidental, special, or consequential damages of any kind.

• Mulltiply does not determine refund eligibility or amount, and does not arbitrate return/refund disputes between Buyers and Sellers.


3.2(C) Cross-Reference. This Section shall be read with the Return & Refund Policy published on the Platform. For avoidance of doubt, the Seller’s policy governs between Buyer and Seller; these terms govern Mulltiply’s limited facilitation role.


3.3 Payment Processing and Settlement

• Users acknowledge and agree that the Company may, at the request of either the Seller or the Buyer, act solely as a payment facilitator/collection agent for transactions conducted on the Platform. This role is strictly limited to enabling payment transactions between Seller and Buyer and does not, under any circumstances, create any liability or responsibility of the Company for the underlying goods or services.

• These payment processing terms apply only to transactions where the payment is facilitated through the Mulltiply Platform. In cases where the Seller and Buyer have mutually agreed to settle payments outside the Platform (including but not limited to Cash on Delivery (COD), direct bank transfers, credit terms, or any other arrangement), such payments are deemed to be direct agreements between the Seller and Buyer. The Company bears no responsibility, liability, or obligation in relation to such off-platform payment arrangements.

• The payment facility provided by the Company is neither a banking nor a financial service. It functions exclusively as a facilitator through authorized third-party payment processors, and all payments received for transactions shall be credited into an escrow account managed by an independent third party. Funds shall be released from the escrow account to the Seller only upon confirmation of Proof of Delivery (POD) - “Proof of Delivery (POD)” means verifiable evidence of delivery acceptable to the Company and/or its payment processor (e.g., carrier scan with timestamp and GPS, signed delivery note, OTP-verified delivery, or equivalent digital proof).

• Settlement of payments to Seller shall be made on a T+2 basis or one (1) business day after receipt of valid Proof of Delivery, whichever is later. In case Proof of Delivery is not provided within fourteen (14) days of the order date, the transaction amount shall be automatically refunded to the Buyer, and the Company reserves the right to recover the refunded amount, applicable taxes, transaction costs, cancellation charges, and any other associated costs from the Seller.

• The Company retains the right, at its sole discretion, to initiate refunds to Buyer before the expiry of the 14-day period if it reasonably believes that the Seller has failed to process, dispatch, or fulfill the transaction.

• The Company expressly disclaims all liability in cases where the Seller fails to deliver the agreed goods/services, delivers defective products, or otherwise breaches its obligations. Any refunds made by the Company to Buyer in such cases shall not constitute an admission of liability and shall be fully recoverable from the Seller.

• All applicable taxes, duties, and levies in respect of a transaction shall be the sole responsibility of the Seller and/or Buyer. The Company does not determine, validate, or assume responsibility for the correctness or applicability of such taxes.

• Users may provide bank account details to receive refunds, settlements, or other payouts (e.g., promotional incentives, referral payments). The Company reserves the right to impose verification and security protocols for updating such details.

• The Company reserves the right, at its sole discretion, to restrict or block Cash on Delivery (COD) or any other payment methods for specific transactions, Users, or regions. Such restrictions may be imposed for fraud prevention, high-value transactions, or other commercial considerations.

• The Company’s maximum liability in respect of payment processing shall be limited to refunding the transaction amount (if applicable) to the Buyer, subject to recovery from the Seller. Under no circumstances shall the Company be liable for indirect, incidental, consequential, or punitive damages arising out of or related to payment transactions on the Platform.

• Right of Set-Off. The Company may (without notice) set-off, deduct or withhold any amounts owed by a User (including refunds issued to Buyers, chargebacks, penalties, fees, taxes, logistics charges, or indemnity amounts) from any payouts, settlements, wallet balances, incentives, or other sums payable to such User, and may place administrative holds on funds pending investigation or resolution.

• The Company and its credit partners may undertake permissible recovery and chargeback actions for unpaid amounts or fraud.


3.4 Mulltiply Service Charges

• Services offered on the Platform may incur charges. The rate and applicability of these charges are determined solely at the Company’s discretion and shall be subject to User approval at the time of placing an order, availing a service, or entering into a commercial arrangement on the Platform. The Company reserves the right to revise or introduce new service charges at any time, at its sole discretion. The applicable charges at any given time shall be those displayed on the Platform at the point of transaction or as otherwise communicated by the Company.

Charges Applicable to Seller

Seller acknowledge and agree that the Company may levy fees and charges in connection with their use of the Platform. Such charges may include, but are not limited to:
• Listing, registration, and onboarding fees for adding products or creating accounts on the Platform.
• Ongoing support or account management fees as agreed between the Seller and the Company.
• Marketing, promotional, or visibility fees for participation in campaigns, advertisements, or featured placements.
• Transaction-based commissions/take rates on each order processed through the Platform, whether agreed via written order form or in-product acceptance flow.
• Payment processing commissions or gateway fees deducted from transactions facilitated by the Platform.
• Cancellations, returns, and refund processing fees, including recovery of costs incurred by the Company when Buyer are refunded.
• Credit and financing service fees in case credit is extended to Buyer, including interest, service charges, and penalties for defaults.
• Chargeback or dispute handling fees in the event of failed transactions or customer complaints.
• Logistics or delivery facilitation fees, where the Company or its partners provide shipping or related support.
• Any other current or future charges mutually agreed or notified by the Company for services rendered to Seller.

Charges Applicable to Buyer

Buyer acknowledge and agree that the Company may levy fees and charges in connection with their use of the Platform. Such charges may include, but are not limited to:

• Delivery and logistics charges for shipment and handling of orders.
• Cancellation fees applicable when orders are canceled under specified conditions.
• Payment processing or gateway fees, including charges for using specific payment instruments.
• Credit or financing service fees, including interest, service charges, or penalties.
• Premium service charges, such as faster delivery, scheduled delivery, or additional support.
• Any future charges introduced by the Company for services availed by Buyer on the Platform.

Pre-Paid Wallet Mechanism

• The Company may provide pre-paid wallet accounts for both Seller and Buyer to facilitate payment of service charges and fees.
• Users shall be required to maintain sufficient balance in their respective pre-paid wallets for availing services.
• The Company reserves the right to deduct applicable fees, charges, commissions, penalties, or any other dues directly from the pre-paid wallet balance without requiring further authorization from the User.
• In the event that the wallet balance is insufficient, the Company may suspend certain services until the balance is replenished. The Company also reserves the right to recover outstanding dues by adjusting them against future settlements payable to the User.
• Unused wallet balances are non-refundable and may only be adjusted against future transactions or services on the Platform. Refund of wallet balances, if any, shall be at the sole discretion of the Company.
• The Company, at its sole discretion, may permit Users to make payments directly (without pre-paid wallet funding) for certain transactions or services. In such cases, the Company’s standard rights to deduct, recover, and adjust charges shall continue to apply.

• Wallet features are not a prepaid payment instrument or stored-value facility unless expressly licensed as such; features are limited to facilitating fee adjustments and settlements within the Platform. Where local laws classify wallets differently, the Company may restrict functionality to remain compliant.


3.5 Tax Compliance for Users

• The Company assumes no responsibility or obligation for any direct, indirect, or consequential tax liabilities of Users that may arise from their access to or use of the Services on the Platform. The responsibility for obtaining and maintaining all necessary registrations, enrolments, and compliance with applicable tax laws (including but not limited to Goods and Services Tax (GST) laws in India, sales tax laws in the United States, or any other jurisdiction-specific tax regulations) rests solely and exclusively with the Users, whether they are Seller or Buyer.
• The Company shall not be liable for any misstatements, omissions, fraud, or violations of applicable tax laws committed by Users. Users are solely responsible for determining and discharging their tax obligations and are strongly advised to seek independent tax and legal advice in relation to their business activities and transactions conducted through the Platform.

• For operations in India:
o If a Seller is registered as a Composition Taxpayer or an Unregistered Applicant with GST enrolment number on the GSTN Portal, their use of the Platform will be subject to specific restrictions under GST law. These restrictions include, but are not limited to, limitations on inter-state transactions, aggregate turnover thresholds, and ineligibility to claim input tax credit.
o The Company reserves the absolute right to invalidate, suspend, or block transactions initiated by any Seller who fails to comply with such restrictions or who provides inaccurate or misleading tax registration information.
o The Company may, for administrative purposes, generate bills of supply, commercial invoices, or such other documents on behalf of Seller based on the information provided. However, the accuracy, legality, and compliance of such documents shall remain the sole responsibility of the Seller.

• Non-Compliance Consequences:
o Any Seller who does not hold and maintain a valid and compliant tax registration number, as required under applicable laws, is strictly prohibited from accessing, listing, selling, or transacting on the Platform in any manner.
o The Company reserves the right to suspend, restrict, or permanently terminate the account of any User found to be in violation of applicable tax laws or providing false, invalid, or expired tax credentials.
o In the event of any investigation, penalty, or demand from a tax authority arising out of a User’s non-compliance, the entire liability shall rest with the User, and the Company reserves the right to recover from such User any costs, damages, penalties, or losses incurred as a result of such non-compliance.
o Statutory Withholding. Where required by law (including Section 194-O of the Income-tax Act, 1961 and Section 52 of the CGST Act, 2017), the Company may deduct or collect applicable TDS/TCS or other statutory withholdings on transactions and remit the same to the authorities. Any such amounts shall be deemed paid to the Seller/beneficiary to the extent of the deduction/collection.


3.6 Offers, Discounts, and Incentives

• The Mulltiply Platform may feature various types of marketing and promotional campaigns, which can include offers, discounts, cashback, rewards, credits, and other promotional incentives (“Mulltiply Offers”). These Offers are subject to terms and conditions determined solely by the Company and may vary for individual Users based on factors such as platform usage, transaction volume, order value, time spent on the Platform, payment method, or geographic location. The Company retains the absolute right to amend, modify, suspend, discontinue, cancel, or reject any Mulltiply Offer at any time, at its sole discretion, without prior notice or liability.
• In addition to Company-initiated promotions, product discounts and offers may also be provided directly by the Seller (“Seller Offers”). Such Seller Offers are subject to terms and conditions solely determined by the respective Seller, and the Company explicitly disclaims all responsibility and liability in connection with any Seller Offers.
• The Company may, from time to time, provide cashback incentives, credits, or rewards to Buyer for transactions completed on the Platform. The specific terms governing such incentives, including but not limited to eligibility criteria, calculation methodology, accrual timelines, redemption process, and payout procedures, shall be determined solely by the Company. Cashback, credits, or rewards shall carry a limited validity period (e.g., X months from the date of accrual), failing which they shall automatically expire and be forfeited without compensation. The Company reserves the right to change such validity periods, redemption timelines, and related rules from time to time at its sole discretion.

• General terms applicable to all Offers (whether Mulltiply Offers or Seller Offers) include, but are not limited to:
o Time-bound validity and expiration at the end of the campaign period.
o Inventory or stock-based limitations.
o Restrictions on combining multiple Offers, unless explicitly permitted.
o Non-transferability and non-exchangeability for cash or equivalents.
o Forfeiture of benefits where an order benefiting from an Offer is canceled, returned, or refunded.
o Compliance with any additional conditions published on the Platform or communicated by the Company or Seller.
• The terms governing Offers, Discounts, Cashback, or Incentives may be updated, revised, or withdrawn at any time by the Company, and continued use of the Platform shall constitute acceptance of such revised terms.


3.7 Loyalty Programs (If Applicable)

The Company reserves the right, at its sole discretion, to introduce loyalty programs or similar incentive schemes in the future. The specific terms and conditions for any such programs, including eligibility criteria, mechanisms for earning rewards, and redemption procedures, will be published separately on the Platform. These programs will be subject to the Company's full discretion, including the right to modify, suspend, or terminate the program at any time.


4. Use of the Mulltiply Platform

This section defines the general conditions governing access to and usage of the Mulltiply Platform, emphasising the Company's role as a facilitator and outlining prohibited conduct.


4.1 Platform Availability and Access

• The Company endeavours, on a best-efforts basis, to ensure that the Mulltiply Application is available continuously, 24 hours a day, 7 days a week. However, the Company makes no guarantees, warranties, or representations whatsoever regarding uninterrupted access, timeliness, error-free operation, or freedom from viruses, malware, or other harmful components. The Application is provided strictly on an “as is” and “as available” basis. The Company does not undertake to correct any defects, nor does it guarantee that defects will be corrected within any specific timeframe.
• Users acknowledge and agree that access to and use of the Application requires stable internet connectivity, compatible devices, and functional telecommunication links. All costs, risks, and responsibilities relating to internet access, mobile usage, device compatibility, or network connectivity rest solely with the User. The Company expressly disclaims any responsibility or liability for such costs, failures, or limitations under any circumstances.
• The Company does not guarantee that the Application will be compatible with all hardware, operating systems, or software configurations. Users are solely responsible for ensuring their devices and systems meet the technical requirements to access and use the Application.
• The Application is subject to continuous upgrades, maintenance, and enhancements, which may temporarily affect availability or functionality. Certain features may be added, modified, suspended, discontinued, or removed by the Company at its sole discretion, without any obligation to provide prior notice.

• The Company shall not be liable for any losses, damages, costs, or claims (whether direct, indirect, incidental, or consequential) arising out of:

o Application downtime, interruptions, or unavailability.
o Delays, errors, or defects in transmission of data.
o Incompatibility with hardware, operating systems, or third-party applications.
o Security breaches, viruses, or harmful components beyond the Company’s reasonable control.

• The Company reserves the right to restrict, suspend, or terminate access to the Application (in whole or in part) to any User at any time for reasons including, but not limited to, security concerns, maintenance requirements, non-compliance with these Terms, or any other reason deemed appropriate by the Company.


4.2 Mulltiply's Role as a Facilitator

Through its Platform, the Company functions solely as a facilitator of transactions, including those between Seller and Buyer. The Company is not responsible for any non-performance, breach, or failure of any contract entered into between Users. The Company cannot and does not guarantee that any transaction concluded on the Platform will be completed, fulfilled, or honored by either party. Mulltiply’s position is strictly that of a technology and service provider, and not a principal, guarantor, or party to any commercial contract between its Users.
The Company is not obligated to, and will not, mediate, arbitrate, or resolve disputes or disagreements that may arise between Users or with third parties. The contractual relationship for product sales, delivery, returns, refunds, and fulfillment lies exclusively between the Seller and the Buyer.
The Company does not represent any Seller or Buyer and expressly disclaims any liability for errors, omissions, misrepresentations, or inaccuracies in information provided by Users. The Company makes no warranties or representations regarding any User’s legal title, authority, product authenticity, quality, creditworthiness, or identity.

Refunds and Returns
All refunds/returns/cancellations are Seller-governed. Mulltiply does not evaluate or decide eligibility or amounts. Any involvement by Mulltiply is a pure facilitation of messaging and, where applicable, payment reversals upon Seller instruction or pursuant to a binding order. Mulltiply disclaims all liability for a Seller’s failure to honour its return/refund policy.

Shipping, Logistics, and Fulfilled by Mulltiply (FBM)
The Seller is primarily responsible for ensuring timely shipping, delivery, and logistics of goods purchased on the Platform.
Where Seller choose to avail logistics services provided by the Company or its partners, such services are provided strictly on a facilitation basis. The Seller remains solely responsible for ensuring delivery accuracy, timeliness, and compliance with applicable laws. The Company assumes no liability for loss, damage, delay, or non-delivery of goods once handed over for shipment.
Under the “Fulfilled by Mulltiply” (FBM) model, Seller may opt to store their inventory in Company-managed warehouses or facilities. Such storage and handling services are provided strictly as a logistics and warehousing service, and do not in any way transfer ownership, risk, or liability of the goods to the Company. Title, risk, and responsibility for the goods shall at all times remain with the Seller, even when stored in Company-managed facilities.
Insurance of goods in storage or transit remains the sole responsibility of the Seller. The Company shall not be liable for theft, fire, flood, damage, spoilage, delay, or any other loss of goods, unless the Seller has separately purchased and paid for insurance coverage through the Company (where available).
Any disputes, claims, or liabilities arising out of shipment, warehousing, or delivery remain between the Seller, the Buyer, and the logistics provider (where applicable).

Ownership of Goods
At no point during any transaction does the Company acquire title to, or hold any proprietary rights or interests in, the products listed or sold on the Platform.
The Company may provide warehousing, shipping, or logistics support, but this shall never be construed as the Company assuming ownership, control, or risk of loss for the goods.
The Seller remains fully liable for product quality, authenticity, safety, legal compliance, and fulfillment obligations, regardless of whether the Seller uses third-party logistics, Mulltiply-provided logistics, or the Fulfilled by Mulltiply model.
Seller who opt to use Fulfilled by Mulltiply (FBM) services, including logistics or warehousing support, shall also be bound by the FBM terms and conditions set forth in this Agreement.


4.3 Prohibited Conduct and User Compliance

Users shall not use the Platform for any fraudulent, abusive, unlawful, or unethical purposes, including but not limited to:

• Uploading, transmitting, or distributing malware, viruses, worms, trojans, or any harmful code.
• Attempting unauthorized access, hacking, scraping, probing, or testing vulnerabilities of the Platform or connected systems.
• Posting, transmitting, or sharing content that is illegal, infringing, misleading, false, offensive, defamatory, obscene, pornographic, paedophilic, libellous, slanderous, harassing, threatening, abusive, hateful, racially or ethnically objectionable, disparaging, invasive of privacy, blasphemous, or otherwise unlawful.
• Infringing upon or violating third-party rights, including intellectual property rights, publicity rights, privacy rights, or contractual rights.
• Promoting, distributing, or facilitating unauthorized or pirated copies of copyrighted material.
• Attempting to gain unauthorized access to, or exceeding authorized access to, any account, system, data, or service.
• Interfering with another User’s use or enjoyment of the Platform.
• Submitting information that is false, misleading, deceptive, or intended to impersonate another person, brand, or entity.
• Engaging in activities that threaten the unity, integrity, defense, security, or sovereignty of India (for India operations), disturb public order, harm foreign relations, or incite cognisable offences.
• Uploading or using software/programming routines designed to damage, disrupt, intercept, or exfiltrate data, systems, or communications.
• Offering, attempting to offer, or trading in items prohibited or restricted by applicable law.
• Posting or transmitting patently false or malicious information intended to harass, defraud, injure, or gain financial benefit.
• Engaging in money laundering, gambling, or activities prohibited under applicable law.

User Compliance Obligations

When accessing or using the Platform, Users must:
• Provide only truthful, lawful, accurate, and complete registration and account information.
• Use the Platform solely for legitimate business purposes, and not authorize unauthorized parties to access their account.
• Ensure that all content submitted is lawful, non-defamatory, non-abusive, non-obscene, non-threatening, and does not violate third-party rights.
• Possess and maintain all necessary licenses, consents, and permissions for any content uploaded or submitted, ensuring the Company may use such content without requiring further approvals or payments.
• Use the Platform in compliance with all applicable laws, including electronic transactions laws, consumer protection laws, intellectual property laws, foreign exchange regulations, tax laws, and international treaties.
• Refrain from deleting, modifying, or interfering with any Platform content, disclaimers, or proprietary notices.
• Avoid using devices, software, or routines that interfere with or disrupt the proper functioning of the Platform.
• Not impersonate another person, entity, brand, or User, nor use another User’s credentials, name, likeness, or account.
• Not engage in scanning, probing, or bypassing Platform security or authentication measures.
• Not use the Platform in any unlawful manner that harms or may harm the Company, its Users, or third parties.

Company’s Enforcement Rights

• Violation of this section may result in immediate suspension, restriction, or termination of a User’s account, without prior notice, at the Company’s sole discretion.
• The Company reserves the right to disable user IDs, passwords, or access credentials if Users are found to be in breach of this Agreement.
• The Company may take all necessary legal action, including claims for damages, indemnification, or penalties, arising out of or related to prohibited conduct.
• The Company expressly reserves the right to cooperate with law enforcement, regulators, and third parties in investigating and prosecuting violations.

Indemnity for Prohibited Conduct

Users agree to indemnify, defend, and hold harmless the Company, its affiliates, directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, penalties, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
• (a) the User’s violation of this Agreement or applicable laws;
• (b) any prohibited or unlawful conduct carried out on the Platform; or
• (c) any harm caused to the Company, other Users, or third parties due to the User’s actions or omissions.



5. Fair Usage Policy

The Company is committed to providing an optimal and fair experience for all Users on the Platform. To uphold this commitment and ensure good faith usage, the Company continuously monitors User behaviour, including order history, return/refund patterns, cancellation records, quality metrics, payment obligations, and other relevant indicators of Platform usage.

Buyer-Specific Fair Usage Obligations

Buyer are expected to use the Platform in good faith and in compliance with applicable business norms. Abusive or suspicious Buyer conduct may include, but is not limited to:
• Excessive or repeated cancellations of orders without justifiable reasons.
• Excessive or unjustified return or refund requests (where applicable to B2B transactions).
• Abuse of cashback, promotional offers, or discounts through fraudulent or manipulative behaviour.
• Refusal to accept confirmed shipments or repeated delivery rejections.
• Failure to make timely payment for confirmed orders, including cases where Seller notify the Company of Buyer defaults, non-payment, or delayed settlement of invoices (whether facilitated by Mulltiply or through integrated third-party platforms).
• Failure to repay credit availed through Mulltiply or third-party financing partners, including defaults, delays, or misuse of credit lines.
• Any other Buyer behaviour that indicates misuse of Platform features, tools, or incentives.
• Credit Recovery. Where credit/financing is provided by third-party partners or via Company-facilitated rails, the Buyer authorizes sharing of transaction/repayment data with such partners and consents to collections, reporting to bureaus/permissible registries, and recovery actions as permitted by law in the event of default.

Seller-Specific Fair Usage Obligations

Seller are expected to maintain professional, timely, and lawful conduct when transacting on the Platform. Abusive or suspicious Seller conduct may include, but is not limited to:
• Repeated cancellation of Buyer orders without valid reasons (e.g., false stock-outs, selective order refusals).
• Delays in shipment or failure to deliver within agreed timelines.
• Delivery of products that do not match listed quality, description, or regulatory standards.
• Excessive disputes, high claim ratios, or refund rates compared to other Seller on the Platform.
• Manipulation of pricing, stock, or inventory data.
• Abuse of business management tools provided by the Platform for unauthorised purposes.
• Failure to honor payment obligations to the Company, including charges, commissions, service fees, settlement adjustments, or other dues.
• Failure to return amounts already refunded to Buyer by the Company (through escrow or wallet), where such refunds are recoverable from Seller.
• Any Seller behaviour that undermines trust, quality, or the commercial framework of the Platform.

Company’s Rights and Enforcement

In the event of abuse, misuse, or non-compliance by either Buyer or Seller, the Company reserves the right to take appropriate actions at its sole discretion, including but not limited to:
• Blocking or suspending the User from transacting on the Platform (temporarily or permanently).
• Levying additional service or penalty fees.
• Discontinuing or restricting specific payment methods (e.g., credit terms, COD, wallets).
• Restricting or blocking refund and return claims.
• Withholding settlements or amounts payable until resolution of disputes.
• Reporting fraudulent or unlawful behaviour to relevant authorities.

These measures are implemented to protect the integrity of the Platform, safeguard genuine Users, and maintain trust in B2B transactions.

Conversely, Users (both Buyer and Seller) who demonstrate consistent compliance, timely performance, and high volumes of valid transactions may, at the Company’s sole discretion, be provided with additional benefits or privileges, such as improved payment terms, enhanced visibility, or access to special programs.

Indemnity for Fair Usage Violations

Users (both Buyer and Seller) expressly agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, penalties, and expenses (including legal costs) arising out of or in connection with:

• (a) the User’s abuse or misuse of the Platform;
• (b) excessive cancellations, returns, or refunds initiated in bad faith;
• (c) Seller’s cancellation of orders, delivery delays, or supply of defective/non-compliant products;
• (d) Buyer’s non-payment of confirmed orders or credit defaults, including cases facilitated through Mulltiply or third-party credit platforms;
• (e) Seller’s failure to honor financial obligations, including repayments of refunds, settlement dues, or commissions owed to the Company;
• (f) any fraudulent, unlawful, or unethical conduct; or
• (g) any loss or damage caused to other Users or third parties due to the User’s non-compliance with this Fair Usage Policy.


6. Information Accuracy and Content on Platform

This section clarifies the reliability of information displayed on the Mulltiply Platform and delineates responsibilities for all content.



6.1 General Information Accuracy

• The Company makes best efforts to ensure that information presented on the Platform is generally accurate and reliable. However, all material and content provided are for general informational purposes only and should not be solely relied upon by Users when making business, commercial, or financial decisions without consulting primary, independent, complete, or more up-to-date sources.
• A significant portion of the content on the Platform, including but not limited to product listings, pricing, specifications, availability, offers, promotions, and policies, is provided directly by Seller. Seller bear full, independent responsibility for the accuracy, completeness, legality, and reliability of all such information. The Company performs limited checks to maintain the general integrity of the Platform but does not and cannot exercise full control over all such content.
• The Company is under no obligation to continuously update, amend, or clarify information on the Platform (including but not limited to prices, availability, delivery timelines, or product specifications), except where expressly required by law. Any reliance placed by Buyer or Seller on Platform information is entirely at their own risk.
• The Platform may contain historical information, which by its nature may not be current and is provided for reference only. The Company reserves the right to modify or remove content at any time without obligation to update all information. Users are solely responsible for monitoring changes and updates to Platform information.
• From time to time, the Platform may contain typographical errors, inaccuracies, or omissions relating to product information, pricing, promotions, offers, shipping charges, transit times, or availability. The Company reserves the right to correct any such errors, inaccuracies, or omissions without prior notice.
• All information is provided strictly “as is” without any warranties of completeness, accuracy, timeliness, or results obtained from its use. The Company disclaims all warranties, express or implied, including but not limited to warranties of performance, merchantability, and fitness for a particular purpose. Users are strongly advised to conduct their own independent due diligence and business judgment before acting on Platform information.

6.2 Seller/Supplier Provided Information

• Seller are solely responsible for providing accurate, complete, and lawful information related to the products they list or sell on the Platform, including but not limited to product descriptions, specifications, pricing, availability, compliance certifications, and regulatory approvals.
• Seller shall not exaggerate, misrepresent, or overstate product attributes in a manner that could mislead Buyer or distort commercial decisions.
• Seller bear exclusive responsibility for the correctness of all product specifics, including quality, value, merchantability, safety, authenticity, and saleability of products offered or sold on the Platform.
• The Company does not endorse, verify, or guarantee the accuracy, legality, or reliability of Seller-provided information or the products themselves. Under no circumstances shall such products or related representations be the responsibility of the Company.
• While the Company reserves the right to monitor, edit, or remove Seller content that, in its sole discretion, is unlawful, misleading, or inappropriate, it is not obligated to do so. In no event shall the Company assume liability for content posted by Seller or for any claims, disputes, damages, or losses arising from the use or appearance of such content on the Platform.

6.3 Buyer Responsibility

• Buyer acknowledge and agree that reliance on Platform information is at their own risk and discretion. Buyer are expected to verify product details, specifications, and quality with Seller directly before making purchase decisions.
• The Company shall not be responsible for any losses, damages, or claims suffered by Buyer as a result of inaccurate, incomplete, or outdated information provided by Seller or other Users.
• Buyer shall use independent due diligence and commercial judgment when entering into transactions and shall not treat Platform listings or content as a substitute for primary verification.


7. Seller/Supplier Listing and Sales Obligations

This section outlines the specific legal, regulatory, tax, and operational obligations that Seller must adhere to when listing and selling products on the Mulltiply Platform.


7.1 Compliance with Applicable Laws and Taxes
• Seller, in addition to adhering to this Agreement, are legally bound by all applicable laws, regulations, and government requirements in the jurisdiction(s) in which they operate and where their products are sold. This includes, but is not limited to:

o Consumer protection laws.
o Legal metrology and packaging/labelling regulations.
o Product-specific regulations (e.g., food, beverages, drugs, electronics, personal care, hazardous materials).
o Import/export laws and foreign trade compliance (where applicable).
o Environmental, health, and safety regulations.
o All direct and indirect tax laws (e.g., GST, VAT, sales tax, excise, customs duties, etc.) including timely registration, collection, deposit, and reporting of taxes.

• Seller are solely responsible for:

o Ensuring accurate invoicing, tax registration numbers, and compliance with GST or equivalent laws.

o Remitting all applicable taxes, levies, and duties arising from transactions conducted via the Platform.

o Indemnifying the Company against any claims, penalties, liabilities, or losses arising from the Seller’s non-compliance with tax or legal obligations.

• The Company shall not be responsible in any manner for a Seller’s failure to comply with applicable laws or tax requirements. Any reliance by Buyer on the Seller’s representations shall be at their own risk.

7.2 Listing Representations and Warranties

By listing products for sale on the Platform, Seller explicitly represent and warrant that:

1. They possess the full legal capacity, authority, permits, and licences to sell or list the products.
2. The listed products:
o Do not infringe upon intellectual property rights, trade secrets, or proprietary rights of any third party.
o Comply fully with all quality, authenticity, safety, and regulatory requirements.
o Accurately reflect descriptions, specifications, and claims made in listings.
3. They will not use images, branding, or content belonging to third parties without express consent.
4. They accept full responsibility for the correctness, accuracy, merchantability, and fitness for purpose of all products listed or sold through the Platform.

7.3 Liability and Indemnity

• Seller bear sole responsibility for the quality, legality, safety, packaging, labelling, authenticity, saleability, and compliance of their products and listings.
• The Company does not endorse, verify, or guarantee the Seller’s products, claims, or representations.
• Seller shall indemnify and hold harmless the Company, its affiliates, and agents from any claims, losses, damages, penalties, or costs (including legal fees) arising from:

o Misrepresentation or inaccuracy in product information.
o Breach of tax obligations or regulatory requirements.
o Infringement of third-party rights.
o Defective, unsafe, counterfeit, expired, or non-compliant products.


8. User Data, Privacy, and Third-Party Integrations

This section addresses the handling of User information in connection with Mulltiply’s Privacy Policy and clarifies the role of third-party tools, service providers, and external links.



8.1 Data Collection, Usage, and Privacy

• The Company collects and processes various types of User information, both personal and non-personal, to facilitate essential Platform operations. This includes account registration, order placement, product listing, payment processing, logistics facilitation, credit and financing services, and business management features such as ledger management, inventory optimization, and workforce management.
• For complete details on data collection, storage, transfer, and usage practices, Users must refer to the Privacy Policy, available on the Platform. This includes information provided directly by Users (e.g., names, email addresses, phone numbers, payment details), non-personal information (e.g., web beacons, log data, cookies), and automatically tracked data (e.g., Google Analytics, SDKs, location data, and usage patterns).
• By downloading or using the Company’s services, Users expressly consent to the collection, storage, transfer, and processing of their data by the Company and its third-party service providers. This includes data gathered automatically (e.g., SDKs, analytics, cookies, log files, usage patterns), and data shared with or obtained from external partners, affiliates, and aggregators.
• User data is governed by the laws of the Company’s country of incorporation, irrespective of the User’s physical location.
• The Company may request permissions to access certain User device features (e.g., contacts, messaging, storage, or location services) for proper functioning of the Platform. Refusal of permissions deemed essential may limit or prevent access to certain services.
• The Company adopts reasonable technical and organizational measures to safeguard User data, but does not guarantee absolute security. In the event of a data breach, the Company will notify affected Users in accordance with applicable law.
• Processing Necessity Certain processing (including fraud prevention, payments, logistics facilitation and service communications) is necessary to provide the Services. Marketing uses are subject to User consent where required by applicable law; Users may withdraw such consent at any time without affecting Service-necessary processing. Users who withhold or withdraw such consent acknowledge that their access may be restricted or terminated.

8.2 Third-Party Tools, Services, and Links

• The Platform integrates with and provides access to various third-party service providers, including but not limited to:

o Payment service providers and gateways (for order payments, refunds, credit settlements, and escrow services).
o Credit and financing partners (for Buyer/Seller loans, BNPL, credit scoring, collections, and recoveries).
o Logistics and delivery partners (for shipping, warehousing, fulfilment, and Proof of Delivery services).
o Analytics, marketing, accounting, and compliance tools (for operational efficiency and reporting).

• Users acknowledge and agree that all such third-party services are provided strictly on an “as is” and “as available” basis, without warranties or representations of any kind from the Company. The Company does not control, endorse, or guarantee the performance, accuracy, safety, legality, or reliability of these services.

• Liability Disclaimer:

o The Company is not liable for any loss, damage, delay, misdelivery, payment failure, credit denial, default, interest, penalty, or service disruption arising from or relating to third-party logistics, payment, credit, or financing partners.
o Any disputes, claims, or issues relating to such services must be resolved directly between the User and the relevant third-party provider.
o Users are strongly advised to review the terms, conditions, and privacy policies of such providers before availing their services.
• Links on the Platform may direct Users to third-party websites or resources. The Company is not responsible for monitoring, evaluating, or warranting the content, accuracy, products, or services offered on such websites. All transactions or engagements with third parties are at the User’s sole risk.


9. Intellectual Property Rights

This section defines the ownership of intellectual property associated with Mulltiply and outlines the procedures for addressing claims of infringement.



9.1 Mulltiply’s Intellectual Property

• The name “Mulltiply”, along with all associated logos, icons, designs, trade dress, whether registered or unregistered, constitutes the exclusive intellectual property of the Company. These rights are protected under applicable copyright, trademark, trade secret, and intellectual property laws.
• Unauthorized use, reproduction, adaptation, modification, reverse engineering, distribution, or publication of these assets by Users is strictly prohibited. Users may not alter digital or paper copies of materials downloaded from the Platform, nor may they use illustrations, photographs, videos, or graphics independent of accompanying text.
• Any commercial or derivative use of Platform materials requires a prior, explicit, written license from the Company. All rights not expressly granted to Users under this Agreement are reserved by the Company.
• The Platform and its software may include security components designed to protect digital content and proprietary systems. Users agree not to override, disable, tamper with, or interfere in any way with such components, including usage rules established by the Company or its partners.

9.2 Handling of Intellectual Property Infringement Claims

• Any intellectual property, trademark, or proprietary right belonging to a Seller or User remains their sole property. The Company does not claim ownership of such third-party rights.
• The Company reserves the right, in its sole discretion, to remove, suspend, or restrict any listing, material, content, or photo if it reasonably believes such content:

o (a) infringes third-party rights.
o (b) is unlawful, misleading, or inappropriate.
o (c) exposes the Company to liability; or
o (d) otherwise violates this Agreement.

• In cases of alleged infringement, the Company may, at its discretion, suspend or terminate the relevant User/Seller account. Users agree that the Company shall bear no liability for consequential, incidental, or other damages arising from such action.
• Users acknowledge and agree that the Company does not act as an arbitrator or judge in intellectual property disputes. The Company cannot verify whether a Seller has the legal right to sell a product. The responsibility for ensuring proper rights, licenses, and authorizations rests solely with the Seller.
• Seller expressly indemnify and hold harmless the Company from any claims, liabilities, damages, penalties, or costs (including legal fees) arising from intellectual property infringement connected to their listings, content, or products.
• Removal of a product or listing by the Company shall not be construed as an admission of infringement, endorsement of any claim, or guarantee of legality. Similarly, the decision not to remove a listing shall not be construed as confirmation of non-infringement.
• Users are strongly encouraged to report suspected infringements. The Company may, but is not obligated to, cooperate with investigations, regulators, or third parties regarding alleged intellectual property violations.


10. Disclaimers and Limitation of Liabilities

This section limits the Company’s legal and financial exposure, clearly outlining the circumstances under which Mulltiply bears no liability.



10.1 General Platform and Service Disclaimers

• To the maximum extent permitted by law, the Company, its affiliates, officers, directors, employees, and agents shall not be liable to any User (including Buyer and Seller) or any third party for:

o Any direct, indirect, incidental, punitive, special, or consequential damages.
o Losses of revenue, profits, goodwill, business opportunity, anticipated savings, or data.
o Losses or damages arising out of the use of, inability to use, or reliance upon the Platform, whether based on contract, negligence, strict liability, or any other legal theory.

• This limitation applies even if the Company has been advised of the possibility of such damages, and regardless of whether the claim arises from errors, omissions, interruptions, defects, delays, viruses, data loss, unauthorized access, or system failures.
• Users bear sole responsibility for:

o The use of the Platform.
o Any damage to their systems, devices, or networks.
o Any loss of data arising from downloading, uploading, or interacting with Platform content.

• The Company makes no warranties or representations, express or implied, regarding the accuracy, completeness, timeliness, merchantability, fitness for purpose, or reliability of the Platform or any content thereon. All use of the Platform is strictly on an “as is” and “as available” basis.
• Seller bear sole responsibility for the accuracy, compliance, and lawfulness of their product listings and sales. The Company shall not be liable for any claims, losses, or damages arising from:

o The use, misuse, or illegal use of Seller products.
o Defective, expired, counterfeit, unsafe, or mislabelled goods.
• Aggregate Cap. To the maximum extent permitted by law, the Company’s aggregate liability for all claims in any rolling twelve (12)-month period shall not exceed the total fees actually paid by the User to the Company for the Services giving rise to such claims during that period.

10.2 Disclaimers for Advertisements

• Advertisements displayed on the Platform are provided solely for informational purposes. The Company does not create, control, endorse, or guarantee the accuracy, legality, or reliability of any advertisement or third-party promotional content.
• Any correspondence, dealings, or transactions by Users with advertisers, including payment, delivery, or reliance upon representations, are solely between the User and the advertiser. The Company bears no responsibility or liability for any loss, damage, or claims resulting from such dealings.
• Advertisers are independent third parties. The Company does not represent or warrant that:

o Advertisements comply with applicable laws.
o Advertised products/services are safe, reliable, or suitable.
o Discounts, offers, or promotions are accurate, current, or available.

• Links provided through advertisements may redirect Users to third-party websites. The Company has no control over such websites and bears no liability for their content, products, or services. Access to such websites is strictly at the User’s own risk.
• Users shall not hold the Company liable for any claims, damages, or losses relating to:

o Advertisement content, representations, or omissions.
o Products/services promoted by advertisers.
o Misleading or unlawful advertising practices.
o The discontinuation, withdrawal, or modification of offers and promotions.
10.3 Force Majeure Events

• The Company shall not be liable for any delay, interruption, suspension, failure, or damages of any kind, whether direct or indirect, arising out of or in connection with force majeure events or circumstances beyond its reasonable control.
• Force majeure events include, but are not limited to: labour disputes (real or potential), strikes, lockouts, governmental actions or restrictions, war, terrorism, sabotage, civil unrest, demonstrations, natural disasters (fire, storm, earthquake, flood, explosion), epidemics or pandemics, failures or outages of internet, electricity, telecommunications, or hosting services, failure of third-party service providers (including logistics, payment, or credit partners), acts of God, or any other unforeseen events or circumstances making performance impracticable.
• In the event of a force majeure or other event beyond the Company’s control, the Company shall be entitled, at its sole discretion, to suspend, delay, restrict, or terminate access to the Platform (in whole or in part) without liability and without prior notice, until such time as the Company deems fit.
• Users acknowledge and agree that the Company shall bear no liability for losses, costs, damages, or claims incurred by Buyer, Seller, or third parties due to such force majeure events, including (but not limited to) delays in transactions, settlements, deliveries, payments, refunds, or services.

10.4 User Indemnification

• Users (including Buyer, Seller, and their representatives) shall fully indemnify, defend, and hold harmless the Company, its parent, subsidiaries, affiliates, officers, directors, shareholders, employees, agents, licensors, contractors, subcontractors, service providers, and partners from and against any and all losses, liabilities, claims, suits, demands, actions, damages, penalties, interest, costs, expenses (including reasonable legal and statutory fees) arising out of, relating to, or in connection with:

1. The User’s breach of this Agreement or failure to comply with applicable policies, rules, or guidelines.
2. Any third-party claims resulting from or connected to the User’s use of the Platform, including (but not limited to) claims by:
 End customers of Buyer.
 Logistics partners of Seller.
 Credit/financing partners or payment providers.
 Governmental or regulatory authorities.
3. Violation of third-party rights by the User, including intellectual property rights, publicity rights, trade secrets, privacy rights, or proprietary rights.
4. Violation of applicable laws or regulations, including (but not limited to) tax laws, consumer protection laws, export/import restrictions, or data protection laws.
5. User-provided content, listings, or transactions that are illegal, infringing, misleading, inaccurate, or non-compliant.
6. Product liability claims relating to unsafe, defective, counterfeit, expired, or mislabelled goods listed or sold by Seller.
• This indemnity is intended to be interpreted broadly to cover Mulltiply’s entire B2B ecosystem, including claims that may originate deeper in the supply chain (e.g., a Buyer’s customer or a Seller’s downstream distributor/logistics partner).
• The Company shall not, under any circumstances, be liable for indirect, incidental, consequential, punitive, or exemplary damages, or for any losses arising from disputes between Users and third parties.
• Users agree to fully cooperate with the Company in the defense of any claim and to not settle any claim without the Company’s prior written consent.

Table 2: Service-Specific Responsibilities Matrix

This matrix clearly delineates the roles and responsibilities of Mulltiply (Company), Seller, and Buyer across key operational areas, reinforcing Mulltiply's role as a facilitator and limiting its liability.

Table 2: Service-Specific Responsibilities Matrix

This matrix clearly delineates the roles and responsibilities of Mulltiply (Company), Seller, and Buyer across key operational areas, reinforcing Mulltiply's role as a facilitator and limiting its liability.

Area of ResponsibilityMulltiply (Company)SellerBuyer
Platform OperationProvides and maintains the platform; facilitates transactions, communication, and business management tools.Uses platform to list products, manage orders, track payments, and access business management features.Uses platform to browse products, place orders, make payments, and manage business operations.
Product InformationDisplays Seller-provided information; reserves right to monitor/remove; expressly disclaims accuracy and liability.Solely responsible for accuracy, legality, completeness, labelling, packaging, and compliance of product information.Relies on Seller-provided information; responsible for conducting due diligence on product suitability.
Commercial Terms (Price, Delivery, Warranty)Does not determine or advise on commercial terms; only facilitates their communication.Solely responsible for setting prices, warranties, delivery timelines, and other commercial terms with Buyer.Solely responsible for agreeing to Seller's commercial terms; accepts risk of reliance on Seller's representations.
Order Placement & FulfillmentFacilitates order processing and provides notifications; may provide optional logistics/"Fulfilled by Mulltiply" warehousing but without liability for delays, losses, or logistics failures.Solely responsible for accepting, confirming, fulfilling, and delivering orders; bears risk for delays, cancellations, quality, and logistics failures.Solely responsible for placing correct orders, receiving deliveries, and handling onward fulfillment to end-customers (if applicable).
Payment Processing & SettlementActs only as a facilitator/payment agent via escrow with third-party processors; not a bank or fiduciary; disclaims liability except as explicitly stated (refunds, chargebacks).Receives payments for confirmed orders via facilitator service; subject to deductions (fees, commissions, taxes, penalties, chargebacks).Makes payments via facilitator service; liable for non-payment or failed credit recovery.
Refunds, Returns & CancellationsFacilitates process in accordance with Seller policy; refunds prepaid orders if Seller fails to deliver or POD not confirmed; may deduct charges from Seller.Solely responsible for handling return/refund/cancellation obligations under law or commercial agreement.Responsible for initiating return/refund requests within Seller's policy timelines; liable for misuse of return policy.
Tax ComplianceNot liable for User's tax obligations; only facilitates exchange of tax-related information.Solely responsible for GST, TDS, customs duties, levies, returns, and all tax registrations.Solely responsible for GST, TDS, customs duties, levies, returns, and all tax registrations.
Data Accuracy & ComplianceCollects, processes, and stores data per Privacy Policy; not liable for accuracy of User-provided information.Responsible for providing and maintaining updated, truthful, and accurate business details.Responsible for providing and maintaining updated, truthful, and accurate business details.
Intellectual Property (IP)Owns Mulltiply brand and platform content; may remove infringing listings; disclaims arbitration role in IP disputes.Solely responsible for ensuring products/listings do not infringe third-party IP or proprietary rights.Solely responsible for ensuring use of platform does not infringe third-party IP or proprietary rights.
IndemnificationProtected by Mulltiply; recovers costs, penalties, and damages; and legal fees from Users for their misuse, breach, or non-compliance.Must indemnify Mulltiply for claims from Buyer, regulators, IP owners, or logistics/payment service providers.Must indemnify Mulltiply for claims from Seller, regulators, IP owners, or misuse of platform.
Force MajeureMay suspend/delay services without liability; entitled to terminate or modify services during prolonged events.Still responsible for legal compliance and product obligations unless prevented by force majeure.Still responsible for payments and obligations unless prevented by force majeure.

This Responsibility Matrix unequivocally delineates the division of rights, duties, and liabilities among Mulltiply (in its capacity strictly as a facilitator), Seller, and Buyer across critical operational areas. For a complex B2B platform such as Mulltiply, this structured allocation of accountability is essential to ensure clarity of obligations, prevent overlap of responsibility, and mitigate disputes.

By expressly setting out the boundaries of responsibility, the Matrix reinforces Mulltiply’s limited liability position and makes clear that Seller and Buyer retain full and exclusive responsibility for their respective legal, commercial, and operational obligations. This framework ensures that Mulltiply cannot be construed as a principal to transactions conducted on the Platform and that all parties are placed on clear notice of their roles, thereby reducing ambiguity and safeguarding the Company against potential claims or misinterpretations.



11. Communication and Grievance Redressal

11.1 Contacting Mulltiply

All queries, concerns, or issues regarding this Agreement must be directed exclusively to [email protected]

11.2 Consumer Protection Compliance

As per the Consumer Protection (E-Commerce) Rules, 2020, the following details are provided:
• Legal name of entity: Mulltiply Tech India Pvt Ltd
• Address: 1703A, Iconic Corenthum Tower, Sec 62, Noida, UP, India 201301
• Website: https://www.mulltiply.com/
• Email: [email protected]
• Nodal Officer: Harsh Gupta

11.3 Communication with Users

• Notices sent by courier, certified mail, facsimile, or email to the last correspondence details provided by the User will be deemed delivered.
• Alternatively, notices posted on a publicly accessible section of the Platform shall be deemed effective upon publication.
• Users are responsible for ensuring their contact details are current and accurate.
• Notices posted on the Platform’s “Legal/Notices” page constitute constructive notice to all Users 48 hours after posting.

11.4 Security Advisories

• The Company warns Users against fraudulent calls, messages, or impersonations.
• Authorised representatives of the Company will never demand money for prizes or request sensitive data such as PINs, CVVs, or OTPs.
• Users must only respond to communications from the official mulltiply.com domain.

11.5 Confidentiality of Calls

All calls with the Company may be monitored and recorded for quality, compliance, and training. By engaging, Users consent to such monitoring and recording.


12. Dispute Resolution

• The Company is a facilitator only and shall not mediate disputes between Buyer, Seller, or third parties.
• All disputes arising from or related to the Platform shall be resolved exclusively through binding arbitration, excluding judicial courts.

12.1 Arbitration Rules

• Conducted by an independent online arbitration service provider empanelled by the Company (currently CADRE ODR, Bengaluru).
• A sole arbitrator shall be appointed in accordance with the provider’s rules.
• Arbitration governed by the Arbitration and Conciliation Act, 1996.
• Seat and venue: New Delhi, India.
• Costs borne equally by both parties unless directed otherwise.
• The arbitrator’s decision is final and binding.
• Language & Confidentiality. The language of arbitration shall be English. The existence of, and all submissions, evidence and awards in, any arbitration shall be confidential.
• Interim Relief. Notwithstanding this clause, the Company may seek interim or injunctive relief before courts in New Delhi to protect its rights, IP, data, or the Platform.
12.2 Frivolous Claims Safeguard

If a User initiates a claim, complaint, or arbitration in bad faith or for frivolous purposes, the Company reserves the right to:

• Recover from the User all associated legal costs, attorney fees, arbitration fees, and expenses.
• Suspend or terminate the User’s account and restrict further access to the Platform.
• The arbitrator may award fee-shifting and sanctions for dilatory, bad-faith, or vexatious conduct.
By using the Platform, Users expressly agree to this dispute resolution mechanism.


13. Miscellaneous Legal Provisions

13.1 Governing Law and Jurisdiction

This Agreement is governed by Indian law. The courts of New Delhi have exclusive jurisdiction for all applications related to arbitration or enforcement.13.2 Assignment of Rights

The Company may assign, novate, or transfer its rights and obligations under this Agreement without notice. Users cannot assign their rights without the Company’s written consent.

13.3 Non-Waiver

Failure of the Company to enforce any provision shall not constitute a waiver. Waivers must be explicit and in writing.

13.4 International Access

The Platform is controlled from the United States. Users accessing from outside must comply with local laws at their sole risk and indemnify the Company from liability.

13.5 Modifications and Service Changes

The Company reserves the right to add, modify, suspend, or discontinue Platform features or services at its discretion without prior notice. Services previously free may become chargeable. The Company shall not be liable for any modification or discontinuation.

13.6 Survival

Sections relating to fees, taxes, intellectual property, confidentiality, disclaimers, limitation of liability, set-off, governing law, dispute resolution/arbitration, and indemnities shall survive termination or expiry of this Agreement.

13.7 Order of Precedence

In the event of any conflict, the following order shall prevail: (i) product-specific addenda (e.g., FBM Addendum), (ii) these Terms, (iii) policies referenced herein (including the Privacy Policy), and (iv) FAQs or support articles. For avoidance of doubt, these Terms are governed by the laws specified in §13.1, irrespective of the country from which the Platform is accessed.

13.8 No Agency

Nothing creates agency, partnership, joint venture, employment, or fiduciary relationship between the Company and any User.

13.9 Severability

If any provision is invalid, the remainder remains effective; the provision will be modified to the minimum extent necessary to be enforceable.

13.10 Export Controls & Sanctions

Users shall not use the Platform in violation of export control, trade, or sanctions laws and represent they are not in a sanctioned jurisdiction or otherwise a prohibited party.

13.11 Entire Agreement

This Agreement is the entire agreement between the parties regarding its subject matter and supersedes prior understandings.


Fulfilled by Mulltiply (FBM) Addendum

This Fulfilled by Mulltiply (FBM) Addendum (“Addendum”) forms an integral part of and is subject to the Seller Agreement and Terms & Conditions between Mulltiply Inc. (“Company”) and the Seller (“Seller”). By opting to use the FBM services, the Seller agrees to be bound by the terms set out herein.

1. Scope of FBM Services

1.1 Under FBM, Seller may elect to store their products in Company-managed warehouses or facilities.
1.2 The Company will provide storage, handling, packaging, and logistics facilitation services (“FBM Services”) for such products.
1.3 The Company is acting strictly as a service provider for warehousing and logistics and is not a principal, guarantor, or co-Seller of the goods.

2. Ownership and Risk

2.1 Title, ownership, and risk of loss or damage to the products shall at all times remain with the Seller.
2.2 The Company does not acquire, assume, or hold any proprietary rights, title, or interest in the goods stored or handled under FBM.
2.3 Seller acknowledges and agrees that the Company does not act as an insurer of the goods.

3. Insurance of Goods

3.1 The Seller shall remain solely responsible for obtaining and maintaining adequate insurance coverage for products stored in or in transit through FBM facilities.
3.2 Unless separately purchased and confirmed through the Company in writing, the Company shall have no liability for theft, fire, flood, spoilage, delay, or any other loss of goods.

4. Logistics and Delivery

4.1 Where FBM is used for fulfillment, the Company may arrange transportation and delivery through its own or third-party logistics providers.
4.2 The Seller remains solely responsible for ensuring that goods comply with quality, authenticity, packaging, labeling, and all applicable laws prior to storage or shipment.
4.3 Any disputes, delays, damage, or losses during transportation shall be resolved directly between the Seller and the logistics provider, without liability on the Company.

5. Returns and Refunds

5.1 Any Buyer returns shall be governed by the Seller’s return and refund policies.
5.2 Returned products, if routed back to FBM facilities, will be received and stored as-is, without any obligation on the Company to inspect, refurbish, or resell such products.
5.3 All costs associated with returns, including handling, shipping, and disposal, shall be borne exclusively by the Seller.

6. Service Fees and Deductions

6.1 The Seller agrees to pay the Company applicable storage fees, handling fees, logistics charges, and any other charges as communicated by the Company from time to time.
6.2 The Company reserves the right to deduct such fees from the Seller’s settlements, pre-paid wallet, or any amounts otherwise payable to the Seller.

7. Indemnification

7.1 The Seller agrees to fully indemnify and hold harmless the Company, its affiliates, directors, officers, employees, and agents from any claims, damages, losses, liabilities, or expenses (including legal costs) arising out of or connected with:

(a) product quality, authenticity, or compliance.
(b) non-fulfillment or breach of obligations to Buyer;
(c) damage, loss, or theft of goods while in FBM storage or transit.
(d) returns, refunds, or disputes with Buyer or logistics providers.

8. Company’s Rights

8.1 The Company reserves the right to reject, suspend, or discontinue FBM services for any Seller or product at its sole discretion.
8.2 Non-Compliant or Abandoned Goods - If products (a) are illegal, unsafe, defective, expired, counterfeit, hazardous, or mislabelled, or (b) remain unclaimed or unsold beyond [X] months, the Company may (after reasonable notice where practicable) return, quarantine, remediate, or dispose of the products at Seller’s cost in a commercially reasonable manner and in compliance with applicable law, without liability to the Company.

9. Limitation of Liability

9.1 The Company’s maximum liability under this Addendum shall be limited to the amount of fees actually paid by the Seller to the Company for FBM services in the [preceding 3 months].
9.2 In no event shall the Company be liable for indirect, incidental, consequential, or punitive damages, including lost profits, arising out of FBM services.

10. Governing Terms

This Addendum shall be read in conjunction with the Seller Agreement and Terms & Conditions. In the event of conflict, the provisions of this Addendum shall prevail with respect to FBM services.