Terms of Use


The Terms and Conditions contained herein shall apply to any person (“User”) using the services of Cellugen Biotech Pvt. Ltd. for making online payments through an online payment gateway service (“Service”) offered by TechProcess Payment Services Ltd., through Cellugen Biotech Pvt. Ltd. websites i.e. mycord.com, mycord mobile app, elixcell.com. Each User is therefore deemed to have read, fully understood and accepted these Terms and Conditions without any reservations of any kind.. 

A. Privacy Policy

At Mycord, we value the sensitive and private nature of the personal information you provide us over the Internet. Our Privacy Policy provides complete information about how we treat your personal information, as well as the steps we take to protect your privacy. We understand that by using the Mycord website, you consent to our use of information collected on this website/app in accordance with the terms of this Privacy Policy. Please read through the Mycord Privacy Policy and if you do not agree with any term here, please do not provide any personal information on this site. However, if you choose not to provide personal information, you may not be able to take advantage of all the features on this site such as requesting additional information, e-mailing us or enrolling online, Newsletter subscription, book free appointments.

Information Protection

One can be assured that we will use the personal information that you provide only for the purposes indicated to you when you provided it. The information collected on this website/app allows us to provide the services and/or information you are requesting. For instance, we collect personal information in order to respond to requests for more information (eg. subscribe to our newsletter, signup for updates, Sending your cord blood reports, pregnancy tips update etc…)

How We Use Your Infromation

Mycord will not disclose, sell, rent, loan or exchange your personal information to any other individual, organization or entity except to the extent necessary to provide the information or services you have requested, unless you are first notified and expressly agree to it, required to share with third-party business partners related to cord blood banking services such as payment update SMS, payment reminder SMS, courier companies for sample transit SMS, etc or as otherwise required by law or regulation.

If you become a Mycord client, we will share some or all of the information you provide with our business partners in order to facilitate the services you have selected. For example, Mycord will notify your doctor and your hospital that you will be preserving your newborn’s cord blood with Mycord. We will share some of your contact information with our courier services to facilitate the pick-up and transport of your cord blood unit, sending Analytical reports of the Processed cord blood units.

As a general rule, we will not disclose your personal information to an unrelated third party for any purpose not related to the services we offer, without first getting your express consent.


All information provided in the Mycord website/app is for informatory purposes only and is not intended as personal medical advice. Always seek the advice of a qualified Physician, when looking for instant confirmation or any kind of doubt.

In addition to information that you submit voluntarily, we also collect some information automatically – about your browser type, operating system, IP address, the domain and host from which you access the Internet, locations, the date and time you arrived at our site, how long you spent on the site /app, and the pages that you visited – to help us measure the performance of our site/ App.

Please be assured that this information will be used and analyzed only in the aggregate and will not be used to identify any individual visitor.

General Terms and Conditions for Online-Payments

  1. Once a User has fully understood and accepted these Terms and Conditions, he/ she may register and avail the Services. A User may either register on Mycord’ website or by any other manner as may be specified by Mycord from time to time.
  2. Mycord’ rights, obligations, undertakings shall be subject to the laws in force in India, as well as any directives/ procedures of Government of India, and nothing contained in these Terms and Conditions shall be in derogation of Mycord’ right to comply with any law enforcement agencies request or requirements relating to any User’s use of the website or information provided to or gathered by Mycord with respect to such use. Each User accepts and agrees that the provision of details of his/ her use of the Website to regulators or police or to any other third party in order to resolve disputes or complaints which relate to the Website shall be at the absolute discretion of Mycord.
  3. If any part of these Terms and Conditions are determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth herein, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms and Conditions shall continue in effect.
  4. These Terms and Conditions constitute the entire agreement between the User and Mycord. These Terms and Conditions supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the User and Mycord. A printed version of these Terms and Conditions and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms and Conditions to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
  5. The entries in the books of Mycord and/or the Payment Service Providers kept in the ordinary course of business of Mycord and/or the Payment Service Providers with regard to transactions covered under these Terms and Conditions and matters therein appearing shall be binding on the User and shall be conclusive proof of the genuineness and accuracy of the transaction.
  6. Refund for Charge Back Transaction: In the event, there is any genuine and legitimate claim for/ of the chargeback by the User for any reason whatsoever, such User shall immediately approach Mycord with his/ her claim details and may claim a refund from Mycord alone. Such refund (if any and subject to verification, confirmation, and discretion of the company) shall be affected only by Mycord via payment gateway or by means of a demand draft or such other means as Mycord deems appropriate. No claims for refund/ chargeback shall be made by any User to the Payment Service Provider(s) and in the event, such claim is made it shall not be entertained.
  7. In these Terms and Conditions, the term “Charge Back” shall mean, approved and settled credit card or net banking purchase transaction(s) which are at any time refused, debited or charged back to merchant account (and shall also include similar debits to Payment Service Provider’s accounts, if any) by the acquiring bank or credit card company for any reason whatsoever, together with the bank fees, penalties and other charges incidental thereto.
  8. Refund for fraudulent/duplicate transaction(s): The User shall directly contact Mycord for any fraudulent transaction(s) on account of misuse of Card/ Bank details by a fraudulent individual/party and such issues shall be suitably addressed by Mycord alone in line with their policies and rules.

Server Slow Down/Session Timeout: In case the Website or Payment Service Provider’s webpage, that is linked to the Website, is experiencing any server related issues like ‘slow down’ or ‘failure’ or ‘session timeout’, the User shall, before initiating the second payment,, check whether his/her Bank Account has been debited or not and accordingly resort to one of the following options:i. In case the Bank Account appears to be debited, ensure that he/ she does not make the payment twice and immediately thereafter contact Mycord via e-mail or any other mode of contact as provided by Mycord to confirm payment.ii. In case the Bank Account is not debited, the User may initiate a fresh transaction to make payment. However, the User agrees that under no circumstances the Payment Gateway Service Provider shall be held responsible for such fraudulent/duplicate transactions and hence no claims should be raised to Payment Gateway Service Provider No communication received by the Payment Service Provider(s) in this regards shall be entertained by the Payment Service Provider(s)

Limitation of Liability

  1. Mycord has made this Service available to the User as a matter of convenience. Mycord expressly disclaims any claim or liability arising out of the provision of this Service. The User agrees and acknowledges that he/ she shall be solely responsible for his/ her conduct and that Mycord reserves the right to terminate the rights to use of the Service immediately without giving any prior notice thereof.
  2. Mycord and/or the Payment Service Providers shall not be liable for any inaccuracy, error or delay in, or omission of (a) any data, information or message, or (b) the transmission or delivery of any such data, information or message; or (c) any loss or damage arising from or occasioned by any such inaccuracy, error, delay or omission, non-performance or interruption in any such data, information or message. Under no circumstances shall the Mycord and/or the Payment Service Providers, its employees, directors, and its third-party agents involved in processing, delivering or managing the Services, be liable for any direct, indirect, incidental, special or consequential damages, or any damages whatsoever, including punitive or exemplary arising out of or in any way connected with the provision of or any inadequacy or deficiency in the provision of the Services or resulting from unauthorized access or alteration of transmissions of data or arising from suspension or termination of the Services.
  3. Mycord and the Payment Service Provider(s) assume no liability whatsoever for any monetary or other damage suffered by the User on account of i. The delay, failure, interruption, or corruption of any data or other information transmitted in connection with the use of the Payment Gateway or Services in connection thereto; and/ or ii. Any interruption or errors in the operation of the Payment Gateway.
  4. The User shall indemnify and hold harmless the Payment Service Provider(s) and Mycord and their respective officers, directors, agents, and employees, from any claim or demand, or actions arising out of or in connection with the utilization of the Services.
  5. The User agrees that Mycord or any of its employees will not be held liable by the User for any loss or damages arising from your use of, or reliance upon the information contained on the Website, or any failure to comply with these Terms and Conditions where such failure is due to circumstance beyond Mycord’ reasonable control.

Miscellaneous Conditions:

  1. Any waiver of any rights available to Mycord under these Terms and Conditions shall not mean that those rights are automatically waived.
  2. The User agrees, understands and confirms that his/ her personal data including without limitation details relating to debit card/ credit card transmitted over the Internet may be susceptible to misuse, hacking, theft and/ or fraud and that Mycord or the Payment Service Provider(s) have no control over such matters.
  3. Although all reasonable care has been taken towards guarding against unauthorized use of any information transmitted by the User, Mycord does not represent and/or confirm and/or guarantee that the use of the Services provided by/ through it will not result in theft and/or misuse, abuse etc. of unauthorized use of data over the Internet.
  4. Mycord, the Payment Service Provider(s) and its affiliates and associates shall not be liable, at any time, for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information etc. contained on the Website.
  5. The User may be required to create his/ her own User ID and Password in order to register and/ or use the Services provided by Mycord on the Website. By accepting these Terms and Conditions the User aggress that his/ her User ID and Password are very important pieces of information and it shall be the User’s own responsibility to keep them secure and confidential. In furtherance hereof, the User agrees to; i. Choose a new password, whenever required for security reasons. ii. Keep his/ her User ID & Password strictly confidential. iii. Be responsible for any transactions made by User under such User ID and Password.

The User is hereby informed that Mycord will never ask the User for the User’s password in an unsolicited phone call or in an unsolicited email. The User is hereby required to sign out of his/ her Mycord account on the Website and close the web browser window every time diligently when the transaction(s) have been completed and/or he does not wish to continue with the same for any reason whatsoever. This is to ensure that others cannot access the User’s personal information and correspondence when the User happens to share a computer with someone else or is using a computer in a public place like a library or Internet cafe.

Debit/Credit Card, Bank Account Details

  1. The User agrees that the debit/credit card details provided by him/ her for use of the aforesaid Service(s) must be correct and accurate and that the User shall not use a debit/ credit card, that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The User further agrees and undertakes to provide correct and valid debit/credit card details.

The User may pay his/ her fees to Mycord by using a debit/credit card or through online banking account. The User warrants agree and confirm that when he/ she initiates a payment transaction and/or issues an online payment instruction and provides his/ her card/bank details: i. The User is fully and lawfully entitled to use such credit/debit card, bank account for such transactions; ii. The User is responsible to ensure that the card/ bank account details provided by him/ her are accurate; iii. The User is authorizing a debit of the nominated card/ bank account for the payment of course fees selected by such User along with the applicable Fees.iv. The User is responsible to ensure sufficient credit is available on the nominated card/ bank account at the time of making the payment to permit the payment of the dues payable or the bill(s) selected by the User inclusive of the applicable Fee.

Personal Information

  1. The User agrees that, to the extent required or permitted by law, Mycord and/ or the Payment Service Provider(s) may also collect, use and disclose personal information in connection with security-related or law enforcement investigations or in the course of cooperating with authorities or complying with legal requirements.
  2. The User agrees that any communication sent by the User vide e-mail shall imply release of information therein/ therewith to Mycord The User agrees to be contacted via e-mail on such emails initiated by him/ her.
  3. In addition to the information already in the possession of Mycord and/ or the Payment Service Provider(s), Mycord may have collected similar information from the User in the past. By entering the Website the User consents to the terms of Mycord information privacy policy and to Mycord continued use of previously collected information. By submitting the User’s personal information to Mycord the User will be treated as having given his/her permission for the processing of the User’s personal data as set out herein.
  4. The User acknowledges and agrees that his/ her information will be managed in accordance with the laws for the time in force.

Payment Gateway Disclaimer 

The Service is provided in order to facilitate access to view and pay online. Mycord or the Payment Service Provider(s) do not make any representation of any kind, express or implied, as to the operation of the Payment Gateway other than what is specified in the Website for this purpose. By accepting/ agreeing to these Terms and Conditions, the User expressly agrees that his/ her use of the aforesaid online payment Service is entirely at own risk and responsibility of the User.


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