Terms and Conditions

1. Introduction

These Terms & Conditions ("Terms") govern your use of the Shagun Direct website, event pages and related services (the "Platform"). The Platform is operated by Shagun Direct Limited ("Shagun Direct", "we", "our", "us"), a company registered in England and Wales under company number 16753269, with its registered office at 167-169 Great Portland Street, London, England W1W 5PF. You can contact us at info@shagundirect.com.

By creating an account, or by continuing past a screen that links to these Terms (for example, the guest details screen or the payment screen), you confirm that you have read, understood and agree to these Terms. If you do not agree, you must not use the Platform.

These Terms should be read together with our Privacy Notice, which explains how we handle personal information.

2. Definitions

• Couple: the person(s) who create an event page to receive gifts. The Couple's Stripe account is held in the name of one individual (the "Account Holder"), who is responsible for that Stripe account and for the Couple's use of the Platform.
• Guest: a person who opens a Couple's event link or QR code and sends a gift. Guests do not need an account.
• Gift: a voluntary monetary gift sent by a Guest to a Couple through the Platform.
• Attachment: an optional paid digital wishing card or video greeting sent with a Gift.
• Stripe: the third-party payment provider that processes payments and payouts for the Platform.
• Admin: authorised Shagun Direct staff who manage and support the Platform.

3. About the Platform

Shagun Direct is a digital gifting platform. Couples create event pages and share them by link or QR code, and Guests use those pages to send Gifts, greeting messages and optional Attachments.

Shagun Direct is a technology platform only. We are not a bank, e-money institution or regulated payment service provider. We do not hold or receive Gift funds. All payments are processed by Stripe, and Gift funds are held by Stripe in the Couple's own Stripe account until they are paid out to the Couple's bank account.

Shagun Direct acts solely as a facilitator of the Platform services. The Platform does not:

• hold customer funds;
• operate customer bank accounts;
• act as a regulated payment institution; or
• provide financial services.

Nothing in these Terms creates a banking, escrow or financial services relationship between Shagun Direct and users of the Platform.

A Gift is a transaction between the Guest and the Couple. Shagun Direct is not a party to the Gift and does not sell anything to the Guest other than optional Attachments and the platform service.

4. Eligibility

To use the Platform you must:

• be at least 18 years old;
• provide accurate, complete and up-to-date information; and
• use the Platform lawfully and in accordance with these Terms.

Couples must also be based in the United Kingdom, be able to open and maintain a Stripe account in the United Kingdom, including a UK bank account for payouts, and meet Stripe's verification requirements.

Guests may send Gifts from anywhere in the world.

We may restrict or suspend access where we reasonably believe misuse, fraud or unlawful activity may have occurred.

5. Platform Services & Features

The Platform may provide features including:

• event and wedding page creation;
• QR code and link invitations;
• digital gifting and payment through Stripe;
• free greeting text messages;
• digital wishing cards;
• video greetings;
• notifications and announcements;
• customer support tools;
• transaction history, receipts and downloads; and
• contributor statistics and rankings.

We may modify, restrict or discontinue features at any time. Where a change significantly affects Couples, we will give reasonable notice where practicable.

6. Couple Accounts

6.1 Creating an account

Couples register on the Platform with their names, email address, mobile number and password, and verify their email address. Couples can then create and manage their event page, view Gifts and messages, download transaction records and use other available features.

6.2 Stripe onboarding and verification

To receive Gifts, the Couple must connect a Stripe account to Shagun Direct. During onboarding the Couple is taken to Stripe's own pages, where Stripe collects and verifies information such as legal name, date of birth, address, identity documents and bank account details.

• This information is given directly to Stripe. Shagun Direct does not receive or store identity documents or full bank account details.
• Gifts cannot be received or paid out until Stripe has approved the account.
• Stripe may ask for further information at any time, and may restrict, suspend or close a Stripe account under its own terms. Shagun Direct cannot override Stripe's decisions.

6.3 Account security

Couples must keep their login details confidential and tell us promptly at info@shagundirect.com if they suspect unauthorised access. Couples are responsible for activity on their account.

6.4 Updating information

Some details can be updated in the dashboard. Others may require our support team. Details held by Stripe must be updated with Stripe.

7. Stripe Payment Services

Payment processing and payouts are provided by Stripe. By connecting a Stripe account to Shagun Direct, the Couple agrees to be bound by the Stripe Services Agreement and the Stripe Connected Account Agreement, as updated by Stripe from time to time (together, the "Stripe Terms"). Stripe processes personal information in accordance with the Stripe Privacy Policy.

As a condition of Shagun Direct enabling payments through Stripe, the Couple agrees to provide accurate and complete information, and authorises Shagun Direct to share it, and transaction information related to their use of Stripe's services, with Stripe.

7.1 Card details

Guests enter their card details directly into Stripe's secure card form. Card details are sent only to Stripe. Shagun Direct never receives or stores full card numbers, CVC codes, expiry dates or other sensitive banking credentials.

7.2 Payment failures

Shagun Direct is not responsible for:

• failed transactions;
• payment processing delays;
• card issuer refusals;
• outages at Stripe or other third-party payment providers; or
• banking interruptions outside our reasonable control.

8. Fees

All fees are paid by the Guest, on top of the Gift. The Couple receives the full Gift amount.

8.1 Platform fee

3% of the Gift amount. The platform fee is not charged on Attachment fees.

8.2 Attachment fees (optional)

Guests may add one Attachment per Gift (a wishing card or a video greeting, not both):

• Digital wishing card: £1.00
• Video greeting uploaded from the Guest's own device (maximum 25MB): £2.00

A greeting text message can be added free of charge.

8.3 Payment processing fee

Stripe charges a fee for processing each card payment. The fee depends on the card used. For standard UK cards it is currently 1.5% + 20p of the total paid. Non-UK cards and some commercial or premium cards cost more. The exact processing fee for the Guest's card is calculated after the card details are entered and is shown on the payment summary before the Guest presses Pay, and on the receipt.

8.4 Price display

All prices are in pounds sterling (GBP). The amount first shown on the gift screen is a subtotal of the Gift and any Attachment. The platform fee, the payment processing fee and the grand total are shown on the payment summary before the Guest confirms payment. The Guest is not charged until they press Pay.

Guests can pay by debit or credit card, such as Visa, Mastercard or American Express. If the Guest's card is in a currency other than GBP, the Guest's card issuer may convert the amount and charge its own foreign exchange or overseas transaction fees. These fees are set by the card issuer, are not part of our fees, and cannot be refunded by us.

8.5 Worked example

A Guest sends a £100 Gift with a wishing card, using a standard UK card:

8.6 Changes to fees

We may change our fees for future transactions by updating these Terms and the Platform. Changes do not affect Gifts already made.

9. Payouts to Couples

• Automatic payout: Stripe pays Gifts out to the Couple's bank account automatically, normally within 7 days of the Gift. There is no payout fee.
• Early payout: at the Couple's request, Shagun Direct may trigger a standard payout, which normally arrives within about 2 days. There is no payout fee.
• Instant payout: at the Couple's request, Shagun Direct may trigger an instant payout. An instant payout fee of 1% of the payout amount (or Stripe's minimum instant payout fee, if higher) is deducted from the payout. For example, an instant payout of a £100 balance pays £99.
• Payouts are made in pounds sterling (GBP) and only to the Couple's own UK bank account, as verified by Stripe.
• Payout times are estimates. They depend on Stripe and the banks involved, and may be delayed by weekends, bank holidays or Stripe's checks.
• Gifts that have been paid out, including by early or instant payout, can no longer be refunded to the Guest under section 11.

10. Guests

• Guests are not required to create an account. Guests reach a Couple's page through a QR code, a direct link or an event invitation.
• Guests are responsible for making sure they are on the correct Couple's page and for entering the correct Gift amount before paying.
• By continuing past the guest details screen, the Guest agrees to these Terms. Our Privacy Notice explains how we use the Guest's information.
• The Guest's name, greeting message, Gift amount and any Attachment are shared with the Couple. The Guest's email address and mobile number are not shared with the Couple.
• Gifts are voluntary personal gifts. They are not payments for goods or services and must not be used for any commercial or unlawful purpose.

11. Refunds

11.1 How to request a refund

A Guest who wants a Gift refunded must email info@shagundirect.com within 48 hours of the payment, giving their name, the Couple's name, the amount and the date of the Gift. We will review the request within 2 working days.

11.2 When a refund is possible

A refund can only be made if the Gift has not yet been paid out to the Couple's bank account. Once a Gift has been paid out (see section 9), we cannot refund it. The Guest may contact the Couple directly.

11.3 What is refunded

If a refund is approved, the Gift amount is refunded to the Guest's original payment card. The platform fee, any Attachment fee and the payment processing fee are not refunded.

11.4 Full refunds

The Guest will receive a full refund of everything they paid, including all fees, where the payment was:

• a duplicate payment for the same Gift;
• the result of a technical error on the Platform (for example, the wrong amount was charged, or a paid Attachment was not delivered); or
• made fraudulently or without the cardholder's authorisation.

11.5 Couple's authorisation

Gifts are held in the Couple's Stripe account. The Couple authorises Shagun Direct to refund, from the Couple's Stripe balance, any Gift that qualifies for a refund under this section.

11.6 Your legal rights

Nothing in this section affects a consumer's legal rights.

12. Chargebacks and Payment Disputes

If a Guest disputes a payment with their bank or card issuer (a "chargeback"), the dispute is handled by Stripe under the Stripe Terms.

• Each Gift is paid into the Couple's own Stripe account. The Couple is responsible for chargebacks, including the disputed amount and any dispute fee charged by Stripe, even if the Gift has already been paid out.
• Shagun Direct is not responsible for chargebacks.
• Shagun Direct may, on request, give the Couple transaction records it holds (such as the Guest's name, the receipt and the time of payment) to help the Couple respond to a dispute.

13. Wishing Cards and Video Greetings

• Attachments are optional digital content, delivered to the Couple immediately after payment.
• By choosing an Attachment and pressing Pay, the Guest asks for immediate delivery and understands that the Attachment cannot be cancelled or refunded once delivered, except where it was faulty or not delivered (see section 11.4).
• Guests must only upload videos they have the right to share and which comply with section 15. Videos must not exceed 25MB.
• Video greetings are shared only with the Couple. They are stored for up to 60 days and then automatically deleted. Couples should download any videos they wish to keep within that period.

14. Account Deactivation and Deletion

14.1 Deactivation by Shagun Direct

We may suspend or deactivate an account where suspicious, abusive or unlawful activity is identified (see section 22).

14.2 Automatic deactivation

A Couple account is automatically deactivated 60 days after the account was created. If a payout is made in the 7 days before the account is due to be deactivated, the account stays active until 7 days after that payout. Each further payout in that period keeps the account active until 7 days after it.

Examples: with no recent payout, the account is deactivated on day 60. With a payout on day 59, it is deactivated on day 66. With a further payout on day 62, it is deactivated on day 69.

14.3 Notice and extension

We will notify the Couple before the account is deactivated. To keep the account active, the Couple can email info@shagundirect.com before the deactivation date, and we will extend it by 7 days.

14.4 Effect of deactivation

When an account is deactivated:

• the Couple's event link and QR code stop working, and Guests can no longer send Gifts;
• the Couple can no longer log in; and
• the Couple's Stripe account is not affected. Any remaining balance will still be paid out by Stripe.

Couples should download their transaction history, messages and videos before deactivation.

14.5 Reactivation

A Couple can ask our support team to reactivate their account at any time within 12 months of deactivation.

14.6 Permanent deletion

12 months after deactivation, the account and its data are permanently deleted and cannot be recovered. Transaction records are kept for 6 years, as required by UK tax and accounting law. Couples cannot delete their account themselves through the Platform. A Couple may ask us by email to delete their account earlier. See our Privacy Notice for details.

15. User Content & Conduct

You must not use the Platform to:

• upload or send content that is unlawful, abusive, threatening, misleading, offensive, harmful or defamatory;
• infringe anyone's intellectual property or privacy rights;
• send spam, or commit fraud or money laundering;
• receive payment for goods or services, or for any purpose other than genuine personal gifts;
• create event pages for other people, or impersonate anyone; or
• interfere with, reverse-engineer or attack the Platform.

Shagun Direct may:

• remove content;
• restrict accounts;
• suspend or terminate users; and
• investigate suspected misuse.

16. Contributor Visibility & Display Names

Guests ("contributors") provide a name and may add a greeting message. These are visible to the relevant Couple, to authorised Admins, and within the Couple's contributor ranking and statistics features.

• The Couple can see each Guest's name, greeting message, Gift amount and any Attachment, including in the Couple's contributor ranking and statistics features. The Couple cannot see a Guest's email address or mobile number.
• Authorised Admins may access account and transaction information to operate the Platform, provide support, investigate fraud or misuse, and meet legal obligations.
• Admins cannot see card details and cannot withdraw or redirect funds held in a Couple's Stripe account. They can only trigger payouts to the Couple's own bank account (section 9) and process refunds under section 11.
• Card details submitted through Stripe are handled separately by Stripe under its own policies and regulatory requirements.

17. Messaging, Notifications & Communications

The Platform provides transactional notifications, support communications and operational announcements. By using the Platform, you agree that these may be sent electronically.

We send service messages, including verification codes, password resets, payment confirmations, receipts, deactivation notices, security alerts and support replies. These are part of the service and cannot be switched off while an account is active. We do not send marketing messages. If we introduce them in future, we will only send them with your consent, in line with privacy and marketing laws, and you will be able to opt out at any time. Service messages may still be sent where needed to run the Platform or your account.

18. Tax

Couples are responsible for any tax obligations that may arise from Gifts they receive. Shagun Direct does not provide tax advice.

19. Intellectual Property

All Platform content, branding, logos, wishing card designs, software and materials are owned by or licensed to Shagun Direct. You may not copy, reproduce, redistribute, modify or exploit them without our written permission. You keep ownership of content you upload, such as messages, photos and videos. You give us a limited licence to store and display it only to provide the Platform.

20. Platform Availability

We aim to keep the Platform available but do not guarantee uninterrupted or error-free operation. The Platform may occasionally be unavailable because of:

• maintenance;
• technical issues;
• third-party provider failures;
• system upgrades; or
• events outside our reasonable control.

21. Limitation of Liability

• Nothing in these Terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be limited or excluded by law.
• If you are a consumer, you have legal rights, and nothing in these Terms affects them.
• To the fullest extent permitted by law, we are not liable for: indirect or consequential losses; losses that were not reasonably foreseeable; loss of profits, revenue or goodwill; payment provider failures; delays or interruptions in services; user-generated content; unauthorised access caused by third parties; or the acts or omissions of Stripe, banks, card issuers or other third parties.
• Subject to the above, our total liability to you in connection with the Platform is limited to the total fees paid to Shagun Direct in connection with the transaction or account concerned in the 12 months before the claim arose.

22. Suspension and Termination

We may suspend, restrict or remove access to the Platform, or remove an event page, where we reasonably believe that:

• fraud or suspicious activity has occurred;
• these Terms have been breached;
• unlawful conduct is suspected; or
• the Platform is being misused.

Suspension or termination may take place without prior notice where reasonably necessary. Where appropriate, we will tell you the reason. Stripe may separately restrict or close a Stripe account under the Stripe Terms.

23. Privacy

Use of the Platform is also governed by our Privacy Notice. Personal data is processed in connection with Platform functionality, support, payment processing and communications. Where Stripe processes payment-related information, that processing is also subject to the Stripe Terms and the Stripe Privacy Policy.

24. Changes to These Terms

We may update these Terms from time to time. We will post the updated version on the Platform with a new "Last updated" date. For material changes, we will notify Couples by email or in the dashboard before the changes take effect. If you do not agree to the updated Terms, you should stop using the Platform. Changes do not apply to Gifts made before they take effect.

25. Complaints

If you have a complaint, please contact us at info@shagundirect.com, or through the dashboard support feature if you are a Couple. We aim to respond within one business day.

26. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales. The courts of England and Wales have jurisdiction, except that if you are a consumer living in Scotland or Northern Ireland, you may also bring proceedings in your local courts.

27. Contact

Shagun Direct Limited, 167-169 Great Portland Street, London, England W1W 5PF

Email: info@shagundirect.com

Couples can also contact us through the support feature in the dashboard.