AN INTRODUCTION

Zilch Fintech Private Limited is used by you. As such, Zilchfinpay Online Service and Products (referred to as the "Offering" in this document and excluding any offers provided by Zilchfinpay under a separate written agreement) are subject to these terms, without prejudice to any additional terms contained in the agreement for the service you wish to avail of. Zilchfinpay requires that you agree to its terms and conditions at a minimum. Zilchfinpay doesn't sell its own products or services; it links people with other companies.

ACCEPTANCE OF THE TERMS

The website's Contact Form will allow us to communicate with our customers and clients. By clicking a button or checking a box on a website, you agree to the terms. The user interface of any offering on Zilchfinpay provides this option. You must accept the terms of the offering before using it. If you don't accept the terms, you can't use the service.

ZILCHFINPAY PROVIDES THE SERVICE

We provide an online and digitally enabled payment service that allows you to process payments through various modes, such as credit cards, debit cards, and other forms of card payments. Zilchfinpay is not a bank or a non-banking financial institution. It claims or warrants that it does not provide banking or related services. The offering can only be accessed through an existing account with an institution that offers banking services.

Zilchfinpay provides APIs and other software for users, and will continuously innovate to provide the most excellent service. You acknowledge and agree that the terms and conditions of the offering Zilchfinpay may change from time to time.

If Zilchfinpay requires users to use new procedures, install new software or update the same. Zilchfinpay reserves the right to cease (permanently or temporarily) providing the offering (or any features within the offering) to you or to users in general at its sole discretion.

It is acknowledged and agreed that Zilchfinpay has the right to disable access to your account or login route, so you may be unable to access the offering, any account details, or any files contained in your account.

While Zilchfinpay may not restrict your use of the offering in any way at present, it may do so in the future if your usage hinders Zilchfinpay's ability to maintain its operations or the ability of other customers to use the offering.

If any of these features are modified, the offering is limited in use or discontinued altogether, Zilchfinpay shall not be liable for any loss or damage resulting therefrom. Zilchfinpay shall not be responsible for determining what, if any, taxes apply to the sale of Merchant's goods and services and/or payments Merchant receives in connection with Merchant's use of the Zilchfinpay Service ("Taxes"). As the Merchant, it is solely his responsibility to assess, collect, report, or remit the correct tax. Zilchfinpay cannot determine whether Taxes apply or calculate, collect, report, or remit any Taxes arising from any transaction.

USE OF THE OFFERING BY YOU

As part of the registration process for the service or your continued use of the offering, you may be required to provide information about yourself. Any information you give to Zilchfinpay during registration will be accurate, complete, and up-to-date. Zilchfinpay is not responsible for the information and data collected to process and authenticate a transaction.

Zilchfinpay can share customer/ client information with the Government or law enforcement agencies (if officially requested or required by order, notification, statute or court order) and with anyone else with the consent of the customer.

You agree not to access the offering by any means other than through the interface provided by Zilchfinpay unless you have expressly been permitted to do so in a separate agreement with Zilchfinpay. You agree that you will not engage in any activity that interferes with or disrupts the offering (or the servers and networks that connect to the offering). Zilchfinpay has not specifically authorized you to do so in a separate agreement, therefore you agree that you will not reproduce, duplicate, copy, sell, trade or resell it.

You acknowledge that Zilchfinpay is not responsible for any breach of your obligations under the Terms and for the consequences (including any loss or damage which Zilchfinpay may suffer) of such breach.

YOUR PASSWORDS AND ACCOUNT SECURITY

You agree that you shall at all times comply with the Payment Card Industry Data Security Standards (PCI-DSS). You will only use PCI-compliant service providers for the storage and transmission of Card Data, such as a cardholder's account number, expiration date, and CVV2.

All activities that occur under your account are solely your responsibility. Please do not:

1. Submit any card transaction for processing that does not arise from your sale of goods or service to a buyer customer,
2. Act as a payment intermediary or aggregator or otherwise resell Zilchfinpay 's services on behalf of any third party,
3. Send what you believe to be potentially fraudulent authorizations or fraudulent card transactions,
4. Or use Zilchfinpay Service in a manner that Visa, MasterCard or any other payment provider reasonably believes to be an abuse of the Card Network or a violation of Card Network rules.
5. If you become aware of unauthorized use of your password or your account, you agree to notify the concerned official at Zilchfinpay immediately.

CONTENT IN THE OFFERING

1. You understand that all information (such as data files, written text, computer software, or images) you may have access to as part of, or through your use of, the offering is the sole responsibility of the person from which such Content originated.
2. This includes but is not limited to advertisements and promotional material of those companies. Any content being disseminated using Zilchfinpay 's sales network or the product, service or platform may be pre-screened, reviewed, flagged, filtered, modified or refused or removed. You may not modify, rent, lease, loan, sell, distribute, copy or create derivative work based on this Content (either in whole or in part) unless you have explicitly been told that you may do so by Zilchfinpay or by the owners of that Content, in a separate agreement.
3. You agree that you are solely responsible for (and that Zilchfinpay has no responsibility to you or to any third party for) any content that you create, transmit or display while using the offering or for the consequences of your actions (including any loss or damage which Zilchfinpay may suffer) by doing so.
4. You understand that by using the offering, you may be exposed to Content of other users that you may find offensive, indecent or objectionable and that, in this respect, you use the offering at your own risk. Zilchfinpay shall not be made responsible for any objectionable content circulated on its offering by other users.
5. On noticing any such content, you must immediately bring it to the attention of Zilchfinpay officials, who will take due care to delete it from the offering.

INTELLECTUAL PROPERTY RIGHTS

You acknowledge and agree that Zilchfinpay (or Zilchfinpay 's licensors) owns all legal rights, title and interest in and to the offering, including any intellectual property rights which exist in the offering (whether those rights happen to be registered or not, and wherever in the world those rights may exist) and that you are merely a licensee of the offering. You further acknowledge that the offering may contain information designated confidential by Zilchfinpay and that you shall not disclose such information without Zilchfinpay 's prior written consent.

EXCLUSION OF WARRANTIES

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE OFFERING IS AT YOUR SOLE RISK AND THAT THE OFFERING IS PROVIDED AS IS AND AS AVAILABLE.

ZILCHFINPAY DOES NOT TELL YOU THAT:

1. YOUR USE OF THE OFFERING WILL MEET YOUR REQUIREMENTS,
2. YOUR USE OF THE OFFERING WILL BE UNINTERRUPTED, TIMELY, SECURE OR FREE FROM ERROR, INCLUDING SPECIFICALLY FROM SERVER DOWNTIME
3. ANY INFORMATION OBTAINED BY YOU AS A RESULT OF YOUR USE OF THE OFFERING WILL BE ACCURATE OR RELIABLE, AND
4. ZILCHFINPAY EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE OFFERING IS DONE AT YOUR DISCRETION AND RISK.

LIMITATION OF LIABILITIES

THE BENEFITS OF USING ZILCHFINPAY ARE NOT LIMITED TO:

ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES WHICH MAY BE INCURRED BY YOU, HOWEVER, CAUSED AND UNDER ANY THEORY OF LIABILITY. THIS SHALL INCLUDE, BUT NOT BE LIMITED TO, ANY LOSS OF PROFIT (WHETHER INCURRED DIRECTLY OR INDIRECTLY), ANY LOSS OF GOODWILL OR BUSINESS REPUTATION, ANY LOSS OF DATA SUFFERED, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR OFFERINGS, OR OTHER INTANGIBLE LOSS;

LOSSES OR DAMAGES MAY BE CALLED BY YOU, INCLUDING BUT NOT LIMITED TO:

1. ANY CHANGES WHICH ZILCHFINPAY MAY MAKE TO THE OFFERING, OR FOR ANY PERMANENT OR TEMPORARY CESSATION IN THE PROVISION OF THE OFFERING (OR ANY FEATURES WITHIN THE OFFERING);
2. THE DELETION OF, CORRUPTION OF, OR FAILURE TO STORE, ANY CONTENT AND OTHER COMMUNICATIONS DATA MAINTAINED OR TRANSMITTED BY OR THROUGH YOUR USE OF THE OFFERING;
3. YOUR FAILURE TO PROVIDE ZILCHFINPAY WITH ACCURATE ACCOUNT INFORMATION;
4. YOUR FAILURE TO KEEP YOUR PASSWORD OR ACCOUNT DETAILS SECURE AND CONFIDENTIAL;

A LIST OF OTHER CONTENT REFERENCES, LINKS, ETC.

The offering may include hyperlinks to other websites or Content or resources. Zilchfinpay is not responsible for the availability of any such external sites or resources and does not endorse any advertising, products or other materials on or available from such websites. You are not liable for any loss or damage you may incur due to the non-availability of those external site resources.

CHANGES TO THE TERMS

Zilchfinpay may make changes to the terms from time to time. The same will be communicated to you on the website of Zilchfinpay by email. If these changes are made, Zilchfinpay will ensure that the amended terms are accessible. Zilchfinpay will treat your use of the offering as your acceptance of the amended terms if you use it after the date on which the terms have been changed or after the date by which you must respond as per these terms has passed.

GENERAL LEGISLATION

Zilchfinpay is covered by these terms and conditions, but other terms may apply if specific terms are part of an agreement between you and the service provider. You may be subject to separate terms if you use other offerings, software, or goods from another company or person.

The terms and conditions governing your use of the offering include the terms governing your use of Zilchfinpay, without prejudice to any other terms that may appear in a specific contract for the service you want. A different offer, software, or good may have different terms with another company or person.

Zilchfinpay is governed by the laws of India, specifically the laws of the State of India. Zilchfinpay and you agree to refer any dispute to arbitration with three arbitrators, one selected by each party, and a third jointly selected by the two arbitrators.