Terms

Welcome to [Your Company Name]. By accessing or using our payment gateway services (“Services”), you agree to these Terms & Conditions. Please read them carefully before using our platform.

1. Acceptance of Terms

By using our payment gateway, you confirm that you:

• Are at least 18 years old or have legal capacity to enter into a contract.
• Agree to abide by these Terms & Conditions, our Privacy Policy, and all applicable laws.

2. Services Provided

Our payment gateway enables businesses and individuals to process secure online transactions using cards, UPI, net banking, and wallets.

We reserve the right to modify, suspend, or discontinue any feature of the Services at any time with prior notice.

3. User Responsibilities

You agree to:

• Provide accurate and complete registration and transaction details.
• Maintain the confidentiality of your account credentials.
• Use the Services only for lawful transactions.
• Not engage in fraud, money laundering, or prohibited activities.

4. Prohibited Activities

You must not use our payment gateway for:

• Illegal goods or services.
• Gambling, betting, or lottery transactions (unless legally permitted).
• Money laundering or terrorist financing.
• Any activity prohibited under RBI, NPCI, or applicable laws.

5. Fees & Charges

• We may charge transaction fees, setup charges, or subscription fees as per your plan.
• All applicable taxes (GST, etc.) shall be borne by the user.

6. Transaction & Settlement

• Transactions processed via our gateway are subject to approval by banks and payment networks.
• Settlement timelines depend on banking partners and may vary.
• We are not liable for delays caused by banks, system outages, or force majeure events.

7. Refunds & Chargebacks

• Refunds (if applicable) must be initiated by the merchant (seller).
• Chargebacks raised by customers will be handled as per card network and bank rules.
• We reserve the right to recover disputed amounts from the merchant’s account.

8. Limitation of Liability

We are not liable for:

• Losses due to incorrect transaction details entered by you.
• Delays or failures caused by third-party service providers (banks, networks).
• Any indirect, incidental, or consequential damages.

Our total liability shall not exceed the transaction fee charged for the disputed transaction.

9. Data Privacy

We process your data as per our Privacy Policy. By using our services, you consent to such processing.

10. Termination

We may suspend or terminate your access if you:

• Breach these Terms.
• Engage in fraudulent or prohibited activities.
• Fail to pay applicable fees.

11. Governing Law & Dispute Resolution

• These Terms shall be governed by the laws of India.
• Disputes shall be subject to the exclusive jurisdiction of the courts in [Your City/State].
• We encourage amicable settlement before escalating to legal proceedings.

12. Updates to Terms

We may update these Terms & Conditions periodically. Continued use of our Services after updates constitutes your acceptance.

13. Contact Us

For any queries or concerns regarding these Terms & Conditions, please reach us at:

📧 Email: [support@yourcompany.com]
📞 Phone: [+91-XXXXXXXXXX]
🏢 Address: [Your Business Address]