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        <h1 class="text-3xl font-bold text-[#29589f] mb-2">Terms &amp; Conditions</h1>
        <p class="text-gray-400 text-sm mb-8">Last updated: <?= date('F Y') ?></p>

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            <section>
                <h2 class="text-lg font-semibold text-gray-800 mb-2">1. Acceptance of Terms</h2>
                <p>By accessing or using Etaxpay.in ("Platform"), you agree to be bound by these Terms and Conditions.
                If you do not agree to these terms, please do not use our Platform.</p>
            </section>

            <section>
                <h2 class="text-lg font-semibold text-gray-800 mb-2">2. Nature of Service</h2>
                <p>Etaxpay.in is a private facilitation platform for vehicle road tax payments and motor insurance.
                We are <strong>not affiliated with any government agency, RTO, or government body</strong>.
                We act as an intermediary to assist you in completing transactions conveniently.</p>
            </section>

            <section>
                <h2 class="text-lg font-semibold text-gray-800 mb-2">3. User Responsibilities</h2>
                <ul class="list-disc ml-6 space-y-1">
                    <li>You must provide accurate vehicle details, contact information, and payment details.</li>
                    <li>You are responsible for verifying that your payment has been applied correctly with the relevant authority.</li>
                    <li>You must not use this Platform for any unlawful or fraudulent activity.</li>
                </ul>
            </section>

            <section>
                <h2 class="text-lg font-semibold text-gray-800 mb-2">4. Payments</h2>
                <p>All payments are processed through certified payment gateways. Etaxpay.in does not store your card or bank details.
                Service charges, if applicable, are clearly disclosed before you confirm your payment.</p>
            </section>

            <section>
                <h2 class="text-lg font-semibold text-gray-800 mb-2">5. Refund Policy</h2>
                <p>Once a road tax or insurance payment is submitted and confirmed, it <strong>cannot be reversed</strong>,
                as the funds are forwarded to the relevant authority or insurer. In the event of a technical failure
                resulting in a deducted payment without confirmation, please contact us within 48 hours via WhatsApp
                or email so we can investigate and assist.</p>
            </section>

            <section>
                <h2 class="text-lg font-semibold text-gray-800 mb-2">6. Limitation of Liability</h2>
                <p>Etaxpay.in is not liable for delays or errors caused by third-party payment gateways, government
                portals, or internet connectivity issues. Our liability in any event is limited to the service
                charge paid for the specific transaction in dispute.</p>
            </section>

            <section>
                <h2 class="text-lg font-semibold text-gray-800 mb-2">7. Intellectual Property</h2>
                <p>All content on Etaxpay.in — including logos, text, and software — is owned by Etaxpay. You may not
                copy, reproduce, or distribute any part of this Platform without our written consent.</p>
            </section>

            <section>
                <h2 class="text-lg font-semibold text-gray-800 mb-2">8. Changes to Terms</h2>
                <p>We may update these Terms at any time. Continued use of the Platform after any change constitutes
                your acceptance of the new Terms.</p>
            </section>

            <section>
                <h2 class="text-lg font-semibold text-gray-800 mb-2">9. Contact</h2>
                <p>For any questions regarding these Terms, contact us at:</p>
                <ul class="mt-2 space-y-1">
                    <li><strong>WhatsApp:</strong> <a href="https://api.whatsapp.com/send/?phone=7888832046" class="text-[#29589f] hover:underline">+91 78888 32046</a></li>
                    <li><strong>Email:</strong> <a href="mailto:etaxpay@gmail.com" class="text-[#29589f] hover:underline">etaxpay@gmail.com</a></li>
                </ul>
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