These terms and conditions ("Terms of Use", "Terms of Service", or "Terms") are an electronic record published in accordance with Rule 3 of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 read with the Information Technology Act, 2000 (as amended from time to time). These Terms do not require any physical or digital signatures.

These Terms constitute a legally binding agreement between you and FinzoraPay Private Limited, a company incorporated under the laws of India, having its registered office at [Insert Office Address], India ("FinzoraPay", "we", "us", or "our"). By accessing or using the FinzoraPay platform or services, you agree to be bound by these Terms and FinzoraPay’s Privacy Policy. If you do not agree to these Terms, please refrain from using the FinzoraPay platform or services.

1. Acceptance

By using or accessing our platform or services, including signing up for an account, you confirm that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy. FinzoraPay may modify these Terms from time to time, and such modifications shall be effective immediately upon posting on the platform. Your continued use of the platform following any such changes constitutes your acceptance of the modified Terms.

2. Eligibility

You must be at least 18 years of age and capable of entering into a legally binding agreement to use the FinzoraPay platform or services. If you have been previously suspended or removed from our platform, you are not eligible to use our services again without our express written consent.

3. Definitions

• Account: Your registered user account on FinzoraPay.
• Affiliate: Any entity that directly or indirectly controls, is controlled by, or is under common control with FinzoraPay.
• Applicable Law: All applicable laws, rules, regulations, and governmental orders, including but not limited to RBI and NPCI regulations.
• FinzoraPay Platform: Includes the website [insert domain name], mobile application, APIs, and any other digital interfaces provided by FinzoraPay.
• Intellectual Property: Includes FinzoraPay’s proprietary trademarks, logos, software, documentation, processes, and other IP assets.
• Services: The financial services, payment facilitation, and related offerings provided by FinzoraPay to Users via the Platform.
• User: Any person or entity using the FinzoraPay platform or services.

4. User Responsibilities

You agree to use the FinzoraPay platform and services only for lawful purposes and in accordance with these Terms. You shall not misuse the platform, attempt to gain unauthorized access, or engage in activities that disrupt or interfere with the integrity or performance of the platform.

5. Privacy

Our collection and use of your personal data is governed by our Privacy Policy. By using the FinzoraPay platform or services, you consent to the collection, storage, and use of your information as described therein.

6. Intellectual Property

All content and materials available on the FinzoraPay platform, including but not limited to text, graphics, logos, software, and documentation, are the property of FinzoraPay or its licensors and are protected by applicable intellectual property laws. You are not permitted to copy, modify, distribute, or reproduce any part of the platform without prior written permission.

7. Limitation of Liability

To the maximum extent permitted by law, FinzoraPay shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of the platform or services. Our total liability to you for any claim shall not exceed the amount you paid (if any) for using our services.

8. Termination

FinzoraPay may suspend or terminate your access to the platform or services at its sole discretion, with or without notice, for conduct that it believes violates these Terms or is otherwise harmful to other users or FinzoraPay.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in [Insert Jurisdiction, e.g., Mumbai, Maharashtra].

10. Contact Us

If you have any questions or concerns regarding these Terms, you may contact us at [Insert Contact Email/Phone Number/Support Page Link].