We deeply value the trust you place in our platform when you share your data with us. Safeguarding your information is our top priority. We leave no stone unturned in ensuring the privacy and security of your data, which is why we rigorously scrutinize every aspect of our products and services even before they launch.
Before starting your journey with our platform and making use of its wide array of services ("Services"), we kindly request that you take a moment to carefully review these comprehensive terms and conditions ("Terms of Use" / "Terms of Service" / "Terms"). The "Website Name Platform" or simply the "Platform" encompasses our website, mobile application, API, and other associated properties. This platform is owned and operated by (Website name), a company incorporated in India. These terms form a legally binding agreement governing your interaction with our platform.
Please note that these Terms complement, rather than replace, any other terms that (Website name) may introduce from time to time. In the event of any inconsistency between these terms and other terms, these terms shall take precedence. Throughout this document, "we" and "our" refer to (Website name), while "you" and "your" refer to you, our valued platform user. Together, (Website name) and the User are collectively referred to as the "Parties," with each Party being singularly addressed as a "Party."
We retain the right to make revisions to these terms, update our platform, and modify our services as needed. These changes are aimed at enhancing your experience on our platform and aligning with evolving applicable law. You have the option to discontinue using our services if you do not agree with any changes introduced by us. It's important to note that these terms are closely tied to and incorporate our privacy policy.
Your journey with us begins here, and we are committed to ensuring it's a secure and fulfilling one.
We invite you to embark on your (Website name) journey by acquainting yourself with these terms and conditions. It's essential to read them carefully. When you join our platform, you're not just signing up; you're acknowledging your understanding and agreement with these terms. You also affirm that you've reviewed and accepted our privacy policy. By registering on our platform, you're representing that you've provided us with valid credentials to verify your identity. It's important to note that should you violate these terms, we reserve the right to take actions such as imposing restrictions, suspending, or terminating your access to the platform. We may also conduct monitoring activities on the platform to bolster your account's security and enhance your overall experience.
We extend our services to all individuals possessing an email address. Our platform is designed to cater to a wide audience. However, individuals who are legally entitled (18) to enter into binding contracts as defined by the Indian Contract Act must access and utilize the platform solely. We are unable to provide services to users who have been suspended or removed from any (Website name) service.
Engaging in impersonation, making false statements, or misrepresenting one's identity, age, or affiliations is explicitly forbidden. We value authenticity and integrity within our community.
Understanding the Language of (Website name)
In our quest for clarity and transparency, we've laid out some definitions to ensure you fully comprehend the terms and phrases we use in our (Website name) Terms and Conditions. These terms are divided into various categories, such as Indian laws, financial processes, intellectual property, and more:
Applicable Laws: This encompasses any Indian statute, ordinance, rule, by-law, regulation, notification, guidelines, directions, directives, or orders issued by any government, statutory authority, board, or recognized stock exchange.
Chargeback: The service provider's user initiates the reversal of a transaction, which is known as a chargeback. This can occur for various reasons, including alleged forgery of account or card details, charges made on a hotlisted card, duplicate transactions, refunds due to transaction denial, incorrect or extra payments, or fraudulent use of personal and financial information.
Confidential Information: This term refers to any business, technical, or financial information related to (Website name) or its affiliates. It includes information connected to the arrangements outlined in these Terms and Conditions or any other document incorporating these Terms and Conditions. This information may pertain to financial and business operations, among other things.
Effective Date or Registration Date: This signifies the date when a user's account is registered on (Website name).
(Website name) Policies: This encompasses all the policies and terms and conditions associated with (Website name)'s services, including the Terms of Use, Privacy Policies, Grievance Policies, and any other terms and conditions or policies made available and updated on (Website name).
Intellectual Property: Intellectual property refers to all intellectual property associated with the performance of these Terms and Conditions or any applicable agreement. It includes software, trademarks, service marks, trade names, logos, symbols, styles, graphics, content, and more.
KYC or Know Your Customer: KYC is the process mandated by law for collecting and verifying a user's personal identification information before providing services.
Services: Services encompass all offerings available to users through the (Website name) platform. These services can include banking services, non-banking services, and other similar offerings provided directly or through merchants.
Service Provider: A service provider is any banking or non-banking entity with which (Website name) has entered into an agreement, directly or indirectly, to facilitate transactions between the entity and its clients.
Users: Users refer to anyone utilizing the (Website name) Platform to access (Website name)'s services. This term includes all types of entities, including corporations, partnerships, limited liability partnerships, and more.
These general terms and conditions are here to guide your journey while using the services provided by (Website name). We believe in transparency and mutual understanding, so let's delve into the key aspects:
To ensure a seamless experience, users commit to providing truthful, accurate, current, and complete information during registration and at all other times when interacting with (Website name).
Your account with (Website name), through which our services are rendered, is identified by your cell phone number and email. We strongly advise you to choose a secure password to protect your account. Never share or write down your password. It's important to note that (Website name) or its service providers will never request your account password or any other private information. If you suspect any compromise of your account's security, promptly change your password and hold (Website name) harmless from any resulting liabilities.
For the sake of security, (Website name) reserves the right to reclaim inactive accounts without prior notice. An account is considered inactive if a user hasn't logged in for more than six months or hasn't engaged in any transactions.
The (Website name) services and the site may contain references or links to other websites or services (referred to as "Reference Sites") for your convenience. It's important to note that (Website name) does not endorse these reference sites or the content, resources, goods, or services they offer.
Your interactions or transactions with reference sites are solely between you and the reference site. Any dealings with reference sites, including the information, materials, products, and services they provide, are at your own risk.
By accepting this Agreement, you consent to the following communication practices (Website name) may send you transactional or non-transactional business communications via SMS, Email, or Push notifications while fulfilling your requests or servicing your account. Even if you opt out of marketing communications, (Website name) may continue sending transactional and critical communications.
When you utilize the (Website name) platform or any services, we will make every effort to provide alerts, and it will be assumed that you have received the information we supply. We are not responsible for verifying the identity of the recipient of our notifications, and we are not liable for any non-availability of notification services.
We prioritize transparency and responsibility. Please carefully consider the following to understand the boundaries of our liability No Consequential or Indirect Damages. We want to make it clear that (Website name), its directors, agents, officers, and employees shall not be held responsible for any special, indirect, incidental, consequential, punitive, or exemplary damages incurred by users. This includes, but is not limited to, missed business opportunities, lost revenues, anticipated profit loss, and any other financial or non-financial losses or damages resulting from or related to:
Any agreements made between users and (Website name). The use of (Website name) services or the site, as well as any reference sites,. The ability or inability to use (Website name) services or the site, even if we or our authorized representatives have been advised of such potential damages. Unauthorized access or alterations to data or transmissions. Any transactions involving third parties or conduct by third parties. Infringement of another's rights. The use of counterfeit or stolen cards or devices. Transactions related to fraudulent electronic funds. Please note that (Website name) reserves the right to reverse any transaction at our sole discretion, subject to approval by the service provider. If a court requires (Website name) or its directors, officers, or employees to indemnify a user, our liability will be limited to the amount paid by the user (if any) for the specific portion of the site or (Website name) services related to the complaint.
Our offering of products and services, along with our pricing structure, is based on the warranties, disclaimers, and limitations of liability outlined here. These provisions represent a fair allocation of risk between users and (Website name), and they are crucial to the agreement between (Website name) and users. Without these safeguards, we would not be able to provide our services to users on a sustainable economic basis.
Please be aware that (Website name) and its Service Providers may decline the authentication and/or authorization of transactions for various reasons, including but not limited to Insufficient funds, Incorrect authentication details provided, Expired card/bank account. Risk management concerns, Suspicion of fraudulent transactions, Sale of restricted or banned items, Use of compromised cards or bank account numbers, Use of banned/blacklisted cards or bank account numbers.
As part of our commitment to security, (Website name) and/or the Service Providers may, at our sole discretion, block specific card numbers, account numbers, groups of cards, or transactions, either permanently or temporarily. We may also employ various risk mitigation measures, such as blocking specific IP addresses, devices, or geographical locations, to protect our platform and users.
In the interest of risk management, (Website name) and/or the service providers may impose limitations on the size, amount, and/or monthly volume of transactions at any time. Our decisions in this regard will be based on multiple factors, and the final call will be ours alone.
Here's how we handle such situations: User Notification and Documentation If we receive a report from the bank regarding a fraudulent transaction, we will promptly notify the user. To assist in resolving the issue, the user must provide all relevant documents and information related to the transaction associated with the chargeback within one (1) day. We can extend this period if the bank requires it.
The user agrees and acknowledges these procedures. Insufficient Documentation If the user is unable to provide the required chargeback documents to the satisfaction of the bank, the bank may instruct us to reverse the debit associated with the chargeback. This means that the chargeback amount will be credited back to the customer's payment instrument. During the resolution process, we may suspend the settlement of the disputed amount or withhold the value of the transaction.
If the user has already paid for the fraudulent transaction, any disputes will follow guidelines from regulators or service providers.
Users understand and accept their responsibility for fines, penalties, and charges imposed by banks, card networks, and government authorities in connection with unauthorized transactions.
The user acknowledges that, if necessary, we may incur charges due to chargebacks. If the transaction amounts available are insufficient to cover the chargeback amount, we may issue a debit note requesting reimbursement from the user. The user must reimburse the chargeback amount within three (3) working days of receiving the debit note.
Both parties agree that any payment instructions for transactions accepted by the user, as per the terms herein, are the user's responsibility and liability. This includes cases where the user approves transactions exceeding their account balance or credit limit. The user approves a fraudulent transaction.
As a payment processing facilitator, (Website name) is not liable for unauthorized transactions or chargeback claims by customers, including those conducted by third parties infringing on others' rights.Users are responsible for ensuring their security during online or other transactions.
While (Website name) will assist users in resolving any queries related to the services, we shall not be held responsible for disputes or inquiries concerning customer payments to the website. Users are encouraged to take the necessary precautions while conducting transactions and maintaining the security of their accounts. At (Website name), we are committed to safeguarding your transactions and providing support when needed.
At (Website name), we prioritize the security of your account and transactions. To ensure this, you agree to comply with the provisions of the Information Technology Act, 2000, and its statutory rules, as well as all relevant laws, rules, and regulations. These include those related to data security, management, storage, sharing, and protection.
You, as the User, affirm and certify that you will not engage in any illegal or unethical behavior. Furthermore, you guarantee that any financial data or information received by you will be stored in a system located solely in India. This data should encompass complete end-to-end transaction details and information collected, carried, or processed as part of the message or payment instructions. Additionally, you understand and accept that account balances held by users on the (Website name) platform are non-interest-bearing and may be forfeited if left unused for more than 365 days.
You, the user, make the following representations and commitments:
You have had ample opportunity to review and assess the performance of the applicable agreement, including its financial implications and risks. If (Website name) becomes aware of any violation or potential violation of these Terms of Use or any circumstances that could harm (Website name)'s reputation, you will cooperate fully in addressing and rectifying the situation. You are responsible for obtaining all necessary consents and approvals from regulatory or governmental authorities, including any required consent from customers for data transfer to the user and/or the (Website name) platform, as per applicable law. You will strictly adhere to the privacy policy and all applicable laws governing your duties under the applicable agreement. This includes compliance with data protection, security, anti-piracy measures, and regulatory directives related to payment data. You will also maintain all required registrations under the applicable law for (Website name). Without prior written consent from (Website name), you will not use any unauthorized methods, including deep-linking, page scraping, robots, spiders, or other automatic or manual processes, to access, acquire, copy, or monitor any part of the (Website name) Platform. You will not attempt to circumvent the navigational structure or presentation of the platform. You will not engage in any unauthorized access attempts, such as hacking or password mining, to gain access to any part of the platform, other connected systems or networks, servers, computers, or services offered through the platform. At (Website name), we are committed to maintaining the integrity and security of our platform, and we appreciate your cooperation in adhering to these principles.
By using our service, you agree to indemnify, protect, and hold harmless (Website name), its affiliates, contractors, employees, officers, directors, agents, and third-party suppliers, licensors, and partners from any claims, demands, actions, or suits brought against (Website name) and against all losses, damages, liabilities, costs, charges, and expenses arising from or related to:
You agree to assist (Website name) in defending and settling such claims, and (Website name) will make reasonable efforts to inform you when aware of any claim, action, or proceeding covered by this indemnity.
(Website name) and its officers, directors, employees, and agents disclaim all express or implied warranties to the fullest extent permitted by applicable law. This includes implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. Any advice or information obtained from (Website name) or through its services or the site does not create any warranty not expressly stated herein. (Website name) does not authorize anyone to make warranties on its behalf, and users should not rely on any such claims.
Users acknowledge that (Website name) acts as a reseller and is not responsible for the obligations of third-party suppliers. Users are responsible for assessing the accuracy, completeness, and use of any views, advice, products, or other information offered via the site or on the internet in general. (Website name) does not guarantee the continuous availability of its services, freedom from errors, viruses, or other harmful components, or the resolution of any such flaws. (Website name) services, the site, and all related data and information are provided "as is" and "as available," "with all faults," without any express or implied warranties or representations.
(Website name) and/or its third-party licensors own and operate the site and its services. Various elements of (Website name)'s services and the site are protected by applicable law, including visual interfaces, graphics, designs, compilations, information, computer code, products, software, services, and other elements. Users acknowledge that (Website name) owns all materials and intellectual property, along with its licensors and suppliers.
Users agree not to remove, obscure, or alter copyright, patent, trademark, or other proprietary rights notices on (Website name)'s services. Users shall not sell, license, distribute, copy, modify, publicly display or perform, transmit, publish, edit, adapt, create derivative works from, or engage in any other unauthorized use of (Website name)'s materials or intellectual property.
Under the terms of this agreement, neither party acquires any rights or interests in the intellectual property of the other party. Parties shall not reverse-engineer or disassemble each other's intellectual property, nor allow others to do so.
(Website name) reserves the right to change, modify, add, or remove these Terms of Use at any time by posting a notice on the site or otherwise notifying users. These changes apply immediately to payment transactions initiated after the initial posting date and are considered accepted by users after 24 hours. If you disagree with any modification, your sole remedy is to terminate your use of the services.
Users must maintain the confidentiality of confidential information. Users agree to protect sensitive information with the same security and care as their own confidential information and to use it only in connection with the relevant transaction. Users acknowledge the sensitivity and confidentiality of maintaining customer data and transaction records and agree not to breach these obligations.
(Website name) reserves the right to suspend or terminate your access to the (Website name) Platform and Services without prior notice under the following conditions:
Termination shall not prejudice any other remedies available to (Website name).
These Terms of Use are governed by the laws of India, without regard to conflict of law principles, and are under the exclusive jurisdiction of Indian courts.
(Website name) shall not be liable for failing to perform its duties under these Terms of Use due to events beyond its reasonable control. In such cases, (Website name) will notify you in writing, and its performance obligations will be extended accordingly.
Severability: If any provision of these Terms of Use is deemed unlawful, void, or invalid, it will be limited or eliminated to the minimum extent necessary, while the remaining provisions will remain in effect.
You can expect to receive important notices and communications from (Website name) through various channels, such as email, regular mail, posts on our website(s), or any other reasonable means. It's essential that you maintain up-to-date contact information to ensure you receive these important communications. You acknowledge and consent that any notices, disclosures, agreements, or other communications that we deliver to you electronically will fulfill any legal obligation that requires written form.
We're here to help! If you have any questions, concerns, or feedback regarding these Terms of Use, please feel free to contact us at [provide contact details or Email id].
Thank you for choosing (Website name). We look forward to serving you and ensuring a secure, efficient, and rewarding experience!
We empower businesses and individuals to navigate the world of finance effortlessly, ensuring a reliable and innovative payment experience for everyone.
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