You are looking at the sandbox / test-mode build of KulPay's hosted checkout. The link you followed reads "Terms" — but this build does not host any real account terms-of-service document and nothing on this page constitutes a contract between you and a account or between you and KulPay.
Do not enter real card numbers, real phone numbers, real bank account details, or any real personal data into the sandbox. Anything submitted here is held in the gateway's in-memory store for the lifetime of the process and is discarded on restart.
For the actual Terms of Service that apply to a real charge, follow the link the account publishes on their own website or in their checkout — not this sandbox page. If you reached this page from what you believed was a real checkout flow, stop and contact the account directly through a channel you trust.
For the production KulPay gateway's terms of service, see https://kulpay.pavulla.com/legal/terms (or the per-region equivalent your account agreement lists).