Terms and Conditions

Terms and Conditions

Welcome to Nimbovox Solution, operated by Nimbovox Solutions Private Limited. We deeply value your trust and appreciate the opportunity to serve you. In this document, the terms "We," "Our," and "Us" refer to Nimbovox Solution, while "You," "Your," and "User" refer to individuals using our services. These Terms and Conditions establish the rules and policies governing your access to and use of our Payment Solution services.

Please read these Terms and Conditions carefully before using our website. By continuing to use the site, you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use our services. We may update these terms from time to time, and your continued use of the platform constitutes acceptance of any such changes.

Agreement to Terms

By accessing or using our platform, you agree to these Terms and our Privacy Policy. If you disagree with any part, you must promptly cease using the Services.

Eligibility and Account Registration

To access our services, you must:

• Be at least 18 years old and legally capable of entering into binding contracts.
• Operate a legitimate business that complies with all applicable laws.
• Complete our KYC (Know Your Customer) verification during onboarding by providing valid business and identity documents.
• Maintain the confidentiality of your account credentials; any activity conducted through your account will be considered authorized by you unless proven otherwise.
• Understand that we reserve the right to approve or reject your application at our sole discretion.

User Obligations

As a user, you agree to:

• Provide accurate and up-to-date business and financial information.
• Use the platform solely for lawful business activities.
• Keep your login credentials and API keys confidential.
• Promptly inform us of any unauthorized access, suspected fraud, or security breaches related to your account.

Fees and Settlement

Service fees are clearly detailed in your Merchant Agreement or Dashboard. We may revise these fees with prior notice. Unless specified otherwise, all fees exclude applicable taxes, which you are responsible for remitting to the appropriate authorities. You are liable for any customer-initiated chargebacks, and refunds will be processed according to our internal timelines and policies. We reserve the right to update or modify fees at any time, with changes communicated via email or through your dashboard.

Prohibited Activities

Use of our Services for any illegal, fraudulent, or unauthorized activities is strictly prohibited. This includes, but is not limited to, the sale or distribution of narcotics, adult content, gambling services, counterfeit goods, firearms, or any products or services prohibited by law. You must not manipulate the platform, circumvent security measures, or exploit any vulnerabilities. Violations of this policy will result in immediate account suspension, fund withholding, and may lead to legal action in accordance with applicable laws.

Risk Monitoring and Fraud Management

We employ real-time transaction monitoring, AI-powered fraud detection, and automated risk scoring to safeguard both merchants and users. Transactions flagged as suspicious may be delayed, reviewed, or reversed. In confirmed cases of fraud, we reserve the right to freeze or terminate your account, with or without prior notice. You accept responsibility for any chargebacks, financial losses, or regulatory penalties arising from illegal or high-risk activities conducted through your account.

Data Privacy and Security

We prioritize the protection of your data and that of your customers. Your privacy is paramount to us. All personal and transactional information collected through our Services is handled in accordance with applicable data protection laws and our Privacy Policy. We adhere strictly to PCI-DSS standards, employing strong encryption, authentication, and access controls to secure sensitive information. By using our Services, you consent to the processing of your data for purposes including payment processing, fraud detection, technical enhancements, and legal compliance. Under no circumstances should cardholder data be stored on your systems unless explicitly allowed by current PCI regulations.

Intellectual Property

All intellectual property rights associated with the platform, including software code, interface design, brand names, trademarks, logos, written content, and user documentation, are exclusively owned by Nimbovox Solutions Private Limited or its licensors. Users are granted a limited, non-transferable, and non-sublicensable license to use the platform solely for its intended business purposes. Any duplication, modification, reverse engineering, sublicensing, or unauthorized use of any part of the platform is strictly prohibited without prior written consent. Additionally, the use of our branding or marketing materials requires explicit written approval.

Third-Party Services

Our platform may connect with external systems and third-party service providers, such as banks, payment networks, logistics providers, analytics tools, and customer relationship management platforms. We do not control these third-party services and are not liable for their performance, data handling practices, or any service interruptions. Any risks, damages, or losses resulting from your use of these integrations are your responsibility and subject to the terms and policies of the respective third parties.

Termination & Suspension

We reserve the right to suspend or terminate your access to our Services at any time if we suspect a violation of these Terms, detect suspicious activity, or are required to do so by law or regulatory authorities. Such suspension may be temporary or permanent based on the severity of the issue. Upon termination, all outstanding settlements, obligations, and dues must be settled. We may also retain your funds during the investigation or until the matter is resolved.

Dispute Resolution

In the event of any disputes, our internal support and dispute resolution team will initially strive to resolve the matter amicably. For transaction-related disputes, including chargebacks, we will collaborate with acquiring banks and card networks in accordance with relevant protocols. If the issue cannot be resolved through these means, you may pursue legal action under the governing law and jurisdiction specified below.

Limitation of Liability

To the fullest extent permitted by applicable law, Nimbovox Solution shall not be liable for any indirect, incidental, special, or consequential damages arising from the use or inability to use our Services. This includes, without limitation, loss of business, revenue, or data. We do not guarantee uninterrupted service, nor do we ensure that every transaction will be processed without errors or delays.

Indemnification

You agree to indemnify, defend, and hold harmless Nimbovox Solutions Private Limited, including its directors, employees, and affiliates, from any claims, liabilities, damages, losses, or legal expenses resulting from your use or misuse of the Services, your breach of these Terms, or any unlawful or fraudulent transactions conducted through your account.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from or relating to these Terms will be subject to the exclusive jurisdiction of the courts in India.

Force Majeure

We shall not be held responsible for any delay or failure to perform our obligations under these Terms caused by events beyond our reasonable control. Such events include, but are not limited to, natural disasters, pandemics, wars, acts of terrorism, cyberattacks, technical outages, strikes, or government-imposed restrictions.

Amendments and Modifications

We reserve the right to modify, amend, or update these Terms at any time. Significant changes will be published on our website along with an updated "Last Updated" date. Your continued use of the Services following these changes constitutes acceptance of the revised Terms. It is your responsibility to review the Terms regularly for any updates.

Severability and Waiver

If any provision of these Terms is found to be invalid or unenforceable by a court with proper jurisdiction, the remaining provisions will continue to be fully effective. Failure to enforce any provision does not waive our right to enforce it in the future.