{"success":true,"data":{"title":"Terms & Conditions","content":"Last updated: [DATE]\n\n1. ACCEPTANCE OF TERMS\nBy creating an account or using the RezoPay app (\"App\"), operated by\n[COMPANY NAME] (\"we\", \"us\"), you agree to these Terms & Conditions.\n\n2. SERVICES OFFERED\nRezoPay allows you to recharge mobile\/DTH\/FASTag and pay utility bills\n(electricity, water, gas, etc.) through registered BBPS billers. Payments\nare made directly via UPI - RezoPay does not hold or store customer funds\nin any wallet.\n\n3. ACCOUNT REGISTRATION\nYou must register using a valid Indian mobile number and verify it via\nOTP. You are responsible for keeping your account access secure.\n\n4. COMMISSION & REFERRAL DISCOUNTS\nCommission rates and referral rewards are set by RezoPay and may change\nat any time. They apply only to the calculation of your final payable\namount and do not constitute a withdrawable balance or wallet.\n\n5. PAYMENTS\nAll payments are made via UPI Intent directly to RezoPay's payment\ncollection account. Transaction success is confirmed only after backend\nverification with the payment provider - a debit from your bank does not\nby itself guarantee service completion; refer to our Refund Policy.\n\n6. LIMITATION OF LIABILITY\nRezoPay is not liable for delays or failures caused by third-party\ntelecom operators, billers, or payment networks beyond our control.\n\n7. ACCOUNT SUSPENSION\nWe may suspend or terminate accounts found to be engaged in fraud, abuse\nof the referral system, or violation of these terms.\n\n8. CHANGES TO TERMS\nWe may update these terms from time to time. Continued use of the App\nafter changes constitutes acceptance.\n\n9. CONTACT\nFor questions about these terms, contact [SUPPORT EMAIL].\n\n---\nThis document is a starting template and must be reviewed by a qualified\nlawyer before publishing, particularly regarding RBI\/PPI compliance for\npayment-facilitation apps in India."}}