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$page_title = 'Terms of Use – 98Pay Educational Site';
$page_desc = 'Terms of Use for 98pay.in.net. Educational content about 98Pay; no financial advice; independent of the live application operator.';
$canonical_url = canonical('terms.php');
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?>

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    <h1>Terms of Use</h1>
    <p>Please read before using 98pay.in.net.</p>
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    <p><em>Last updated: November 2026</em></p>

    <h2>1. Educational purpose</h2>
    <p>98pay.in.net provides educational and SEO-oriented information about the 98Pay platform (searched as 98Pay, 98Paylogin, 98Payapk, 98payapp, etc.). Content is for general information only and does not constitute financial, investment or legal advice.</p>

    <h2>2. No affiliation as operator</h2>
    <p>This site is not operated by the live 98Pay application team as a customer-support portal. Screenshots, balances, team stats and order examples are illustrative. Official product terms are those of the application itself.</p>

    <h2>3. Your responsibility</h2>
    <ul>
      <li>Verify every download and login link yourself.</li>
      <li>Comply with Indian law and tax rules applicable to your activity.</li>
      <li>Do not use this site to promote scams, malware or unauthorized clones.</li>
    </ul>

    <h2>4. Intellectual property</h2>
    <p>Text and layout of 98pay.in.net are provided for legitimate educational use. Do not copy the site wholesale to another domain while replacing official links with malicious targets.</p>

    <h2>5. Limitation of liability</h2>
    <p>To the fullest extent permitted by law, operators of this educational site are not liable for losses arising from use of third-party apps, deposits, team recruitment or reliance on screenshots that may become outdated.</p>

    <h2>6. External services</h2>
    <p>Register/login links and Telegram are third-party services. Their terms apply when you leave 98pay.in.net.</p>

    <h2>7. Changes</h2>
    <p>Terms may be updated. The date above will be revised when material changes occur.</p>

    <p>Related: <a href="disclaimer.php">Disclaimer</a> · <a href="privacy_policy.php">Privacy Policy</a> · <a href="user_safety.php">User Safety</a></p>
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