Terms and Conditions

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Introduction

Welcome to our [Website Name]! The terms "We," "Us," and "[Website Name]" refer to the [Company Name]. By using our services, you agree to comply with and be bound by the following Terms and Conditions. Our platform provides a wide range of payment solutions designed to facilitate secure and efficient transactions for businesses in India. These terms govern your use of our services, including payments, payment gateway, payment links, payment pages, QR codes, instant settlements, smart collect, banking, current account, vendor payments, payouts & payout links, API banking, tax payment, and escrow services. Please read these terms carefully to understand your rights and obligations.

Definitions

In these Terms and Conditions, the following definitions apply:

"We," "Us," "Our" refers to the payment gateway service provider.

"You," "Your," "User" refers to the individual or entity using our services.

"Services" refers to the various payment solutions offered by us, including but not limited to payments, payment gateway, payment links, payment pages, QR codes, instant settlements, smart collect, banking, current account, vendor payments, payouts & payout links, API banking, tax payment, and escrow.

"Account" refers to the user account created to access our services.

"Transaction" refers to any payment or transfer of funds conducted through our platform.

"Third-Party Service Providers" refers to external partners who assist us in delivering our services.

Acceptance of Terms

By accessing and using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services. We reserve the right to modify these terms at any time, and any changes will be effective immediately upon posting on our website. It is your responsibility to review these terms periodically to stay informed of any updates. Your continued use of our services constitutes your acceptance of any changes to the Terms and Conditions.

User Eligibility

To use our services, you must be at least 18 years old and capable of entering into legally binding agreements. By registering for an account, you represent and warrant that you meet these eligibility requirements. If you are using our services on behalf of a business or other entity, you further represent and warrant that you have the authority to bind that entity to these Terms and Conditions.

Account Registration and Responsibilities

To access our services, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to comply with these obligations.

Services Provided

We offer a variety of payment solutions designed to facilitate secure and efficient transactions for businesses in India. Our services include payment processing, payment gateway, payment links, payment pages, QR codes, instant settlements, smart collect, banking, current account services, vendor payments, payouts & payout links, API banking, tax payment, and escrow. Detailed descriptions of each service are available on our website, and we reserve the right to modify, suspend, or discontinue any service at any time without notice.

Payment and Fees

By using our services, you agree to pay any applicable fees as outlined on our website and in your service agreement. Fees may include charges for transaction processing, service subscriptions, and other related services. All fees are non-refundable unless otherwise stated. We reserve the right to change our fees at any time, and any fee changes will be effective immediately upon posting on our website. It is your responsibility to review the fee structure periodically to stay informed of any updates. Your continued use of our services constitutes your acceptance of the current fees.

Transaction Processing

Our platform facilitates the processing of transactions between you and your customers. By using our services, you authorize us to process transactions on your behalf. It is your responsibility to ensure that all transaction details provided are accurate and complete. We are not liable for any loss or damage arising from incorrect or incomplete transaction information. We reserve the right to refuse or reverse any transaction that we suspect is unauthorized, fraudulent, or in violation of these Terms and Conditions. All transactions are subject to our processing timelines, which may vary depending on the nature of the transaction and the payment method used.

Use of Payment Links and QR Codes

We provide payment links and QR codes as convenient tools to facilitate customer payments. You are responsible for generating and sharing these links and codes with your customers. By using our payment links and QR codes, you agree to use them solely for legitimate transactions and in accordance with these Terms and Conditions. We are not responsible for any misuse or unauthorized use of payment links and QR codes. Additionally, you agree to promptly inform us of any issues or discrepancies related to payments made through these tools. Unauthorized or fraudulent use of payment links and QR codes may result in the suspension or termination of your account.

Instant Settlements and Smart Collect

Our instant settlements and smart collect services are designed to provide you with rapid access to funds from your transactions. By enabling these services, you agree to our processing timelines and any associated fees as outlined on our website. We strive to ensure that funds are settled into your account as quickly as possible, but we do not guarantee specific settlement times. Any delays or issues related to instant settlements and smart collect will be addressed promptly, and we will work to resolve them in a timely manner. You are responsible for monitoring your account and ensuring the accuracy of the funds received. If you notice any discrepancies, you must notify us immediately.

Vendor Payments and Payouts

Our platform enables seamless vendor payments and payouts, ensuring timely and accurate disbursements. By using our vendor payment services, you authorize us to process payments to your vendors on your behalf. You are responsible for providing accurate vendor details and payment instructions. We are not liable for any loss or damage resulting from incorrect or incomplete information provided by you. We reserve the right to suspend or terminate vendor payment services if we suspect any fraudulent or unauthorized activity. All vendor payments and payouts are subject to our processing timelines and any applicable fees as outlined on our website.

API Banking Services

Our API banking services allow you to integrate our payment solutions directly into your applications and systems. By utilizing our API banking services, you agree to comply with our API documentation and usage guidelines. You are responsible for the security and confidentiality of your API credentials and for any activities conducted through your API integration. Unauthorized use of our APIs will result in immediate suspension or termination of access. We reserve the right to modify or discontinue API services at any time without prior notice. Any changes to the API will be communicated through our developer portal or website.

Tax Payment Services

We offer tax payment services to facilitate the payment of various taxes directly from your account. By using our tax payment services, you authorize us to process tax payments on your behalf. You are responsible for ensuring that all tax information and payment details provided are accurate and complete. We are not liable for any penalties, interest, or other charges resulting from incorrect or late tax payments. Our tax payment services are subject to our processing timelines and any applicable fees as outlined on our website. It is your responsibility to review and comply with all relevant tax laws and regulations.

Escrow Services

Our escrow services provide a secure way to manage transactions between buyers and sellers. By using our escrow services, you agree to our escrow terms and conditions, which govern the release of funds upon the completion of agreed-upon conditions. You are responsible for providing accurate and complete transaction details and for complying with the terms of the escrow agreement. We are not liable for any loss or damage resulting from disputes between parties or from incorrect or incomplete information provided by you. Our escrow services are subject to our processing timelines and any applicable fees as outlined on our website. In the event of a dispute, we will work to resolve the issue in accordance with our dispute resolution procedures.

Data Privacy and Security

We are committed to protecting your data and ensuring the security of our services. By using our platform, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy. We employ industry-standard security measures to safeguard your data from unauthorized access, alteration, or disclosure. However, you acknowledge that no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security. It is your responsibility to use secure methods to access our services and to keep your account information confidential. If you suspect any security breach, you must notify us immediately.

User Obligations and Prohibited Activities

As a user of our services, you agree to comply with all applicable laws and regulations. You are prohibited from engaging in any activity that is illegal, fraudulent, or harmful to our platform or other users. Prohibited activities include, but are not limited to, unauthorized access or use of our services, distributing malware or other harmful code, and engaging in any form of harassment or abuse. You are responsible for all actions taken under your account and must ensure that your use of our services does not violate any terms or conditions. We reserve the right to suspend or terminate your account if you engage in any prohibited activities.

Limitation of Liability

To the maximum extent permitted by law, our liability to you for any claim related to the use of our services is limited to the amount of fees you have paid to us in the six months preceding the claim. We are not liable for any indirect, incidental, special, or consequential damages, including, but not limited to, loss of profits, data loss, or business interruption. Our services are provided on an "as is" and "as available" basis, and we make no warranties, express or implied, regarding the reliability, accuracy, or completeness of our services. You use our services at your own risk.

Termination of Services

We reserve the right to terminate or suspend your access to our services at any time, with or without notice, for any reason, including, but not limited to, your breach of these Terms and Conditions. Upon termination, your right to use our services will immediately cease, and you must discontinue all use of our services. Any provisions of these Terms and Conditions that by their nature should survive termination will do so, including, but not limited to, provisions regarding limitation of liability, governing law, and dispute resolution. We are not liable for any loss or damage resulting from the termination of your access to our services.

Governing Law and Dispute Resolution

These Terms and Conditions are governed by and construed in accordance with the laws of India. Any disputes arising out of or related to these Terms and Conditions or your use of our services will be resolved through binding arbitration in accordance with the Arbitration and Conciliation Act, 1996. The arbitration will be conducted in English, and the place of arbitration will be India. Any judgments on the arbitration award may be entered in any court having jurisdiction. You agree to submit to the exclusive jurisdiction of the courts in India, for the resolution of any disputes not subject to arbitration.

Contact Information

If you have any questions or concerns about these Terms and Conditions, please contact us at:

[Insert Contact Email]

We are here to assist you and address any issues you may have regarding our services.