Terms and conditions

We would like to welcome you to HRUTI TECHNOLOGIES PRIVATE LIMITED ("we", "our," or "us"). The following terms and conditions govern your access to and use of Finpay Swift. The use of this website constitutes your agreement to comply with these terms and conditions. If you would like to use our services, please take a moment to review our terms and conditions carefully.

The Finpay Swift (referred to as the "Offering" in this document and excluding any offers provided by Finpay Swift under a separate written agreement) are subject to the following conditions, without affecting any other states included in the contract for the service you wish to use. At the very least, you must accept the terms and conditions of Finpay Swift. Finpay Swift connects users with other businesses rather than offering their goods or services.

Before making use of the offering, you must agree to its terms. You cannot use the service if you do not agree to the conditions.

ACCEPTANCE OF TERMS

Before using Finpay Swift, please carefully read these terms, including any annexures and links herein, along with our Privacy Policy. Your use of our website and services signifies your acceptance of these terms. If you do not agree with any part of these terms, please refrain from using our website.

USER REGISTRATION AND RESPONSIBILITIES

To use "Finpay Swift," you must be at least 18 years old and capable of entering into binding contracts as per applicable laws. Safeguard your login details and account information. You are accountable for all activities on the website using your account:

• Provide accurate and current information about yourself. If any information is inaccurate or incomplete, we may suspend or terminate your account.
• By using the website, you agree to be contacted for product/service offers via various means, including phone, SMS, email, or other digital channels.
• You authorize "Finpay Swift" to contact you for follow-up calls regarding services and for offering other products or services from third parties.
• You agree that "Finpay Swift" may share your information with partner banks, financial institutions, and other third parties as required for providing services.
• For payments and transactions, you agree to comply with Know-Your-Customer (KYC) requirements and applicable laws.
• Before using the services, you must provide necessary KYC documents for due diligence.
• "Finpay Swift" may request additional KYC documents as per its discretion or legal requirements.
• You are responsible for after-sales services, payment, and other obligations related to your products or services.
• You may receive communications regarding your personal information, and you consent to the processing of such information.
• Agree not to use the website for unlawful purposes, and comply with local laws.

Finpay Swift SERVICE

We offer a digitally enabled online payment solution that allows you to process payments using several different payment methods, including credit cards, debit cards, and other types of card payments. Neither a bank nor a non-banking financial organization exists at Finpay Swift. It asserts or guarantees that it doesn't offer banking or related services. Only those with an account with a business that provides banking services can access the product.

It is understood and recognized that Finpay Swift has the right to disable access to your account or login route, preventing you from accessing the offering, any account information, or any files stored in your account.

Even though Finpay Swift might not currently limit how you use the provided, it might come in the future if your usage interferes with how well Finpay Swift can continue to run or how easily other users can access the offering.

Finpay Swift shall not be liable for any loss or damage resulting from the modification of any of these characteristics, the limitation of the use of the offering, or the discontinuation of the offering altogether. No responsibility is assumed by Finpay Swift for determining whether taxes, if any, are due on the sale of the products and services provided by the Merchant or on any payments the Merchant receives in connection with the use of the Finpay Swift Service by the Merchant ("Taxes"). Finpay Swift Need help to ascertain whether taxes are due, compute, collect, record, or send any transaction taxes.

THIRD-PARTY LINKS AND OFFERS

When you explore "Finpay Swift," you might come across links to other websites or resources. We want you to know that we don't have control over these third-party sites, and we can't vouch for their availability or endorse their content. Finpay Swift is not responsible for any content, advertising, products, or materials on these external sites. If you decide to use or rely on any such content, goods, or services from these sites, it's at your own risk. Finpay Swift won't be held responsible for any damage or loss caused by or in connection with these third-party resources. Your interactions with third parties through the website are entirely your responsibility, and Finpay Swift won't be liable for any acts, omissions, errors, or any other consequences resulting from these interactions.

UTILIZE YOUR OFFERING

You could be asked for personal information as part of the service registration process or as a condition to continue using the offering. You agree to provide true, complete, and current information when registering with Finpay Swift. The information and data gathered to process and authenticate a transaction are not the responsibility of Finpay Swift.

Whenever requested or mandated by official order, notification, statute, or court order, Finpay Swift may disclose customer/client information to the government, law enforcement authorities, and anyone else with the customer's consent.

You consent to only using the interface made available by Finpay Swift to access the offering unless you have been specifically permitted to do so in a separate agreement with Finpay Swift. You promise not to take any action that obstructs or interferes with the offering (or the servers and networks that connect to the offering). You agree that you won't copy, replicate, sell, trade, or resell it unless Finpay Swift expressly permits you to do so in a separate agreement.

You alone are accountable for any actions taken using your account. Please avoid:

Every card transaction that does not result from selling goods or services to a client should be submitted for processing. Perform any other reselling of Finpay Swift services on behalf of any third party, act as a payment middleman or aggregator, Submit any authorizations or card transactions that may be fraudulent. Or utilize the Finpay Swift Service in a way that Visa, MasterCard, or any other payment processor logically deems to abuse the Card Network or a violation of the Card Network policies. You undertake to contact the relevant official at Finpay Swift as soon as you learn of any unauthorized use of your password or account.

CONTENT OF THE OFFERING

You acknowledge that any data files, text, software, or images you may access as part of, or via your use of, the offering are the sole property of, and belong to, the person from whom such Content originated.

This includes—but is not restricted to—their commercials and marketing materials. Any content disseminated through the product, service, platform, or sales network of Finpay Swift may be pre-screened, reviewed, flagged, filtered, amended, refused, or removed. Unless expressly permitted by Finpay Swift or the owners of that Content, in a separate agreement, you may not alter, rent, lease, loan, sell, distribute, copy, or create a derivative work based on this Content (in whole or in part).

You acknowledge that any content you produce, transmit, or display while using the offering is completely your responsibility and that Finpay Swift has no liability to you or any third person as a result of such actions (including any loss or damage that Finpay Swift may sustain).

By using the offering, you might be exposed to user-generated content that you might find objectionable, offensive, or indecent. As a result, you use the offering at your own risk. Any abusive material other users share on the website's offering is not the responsibility of the Finpay Swift.

If you come across any such content, you must bring it to the attention of Finpay Swift officials as soon as possible, and they will take the necessary steps to remove it from the offering.

RIGHTS TO INTELLECTUAL PROPERTY

You acknowledge and agree that Finpay Swift owns all legal rights, title, and interest in and to the offering, including any intellectual property rights that may exist in the offering (whether those rights happen to be registered or not, and wherever in the world those rights may exist). You acknowledge and agree that you are only the offering's licensee. Furthermore, you agree that the offering might contain information marked as confidential by Finpay Swift and that you must obtain that website's prior written approval before disclosing any such information.

AVOIDANCE OF WARRANTIES

YOU FULLY 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.

YOUR USE OF THE SERVICE WILL BE TO YOUR NEEDS, UNINTERRUPTED, PROMPT, SECURE, OR ERROR-FREE, SPECIFICALLY FREE FROM SERVER DOWNTIME. ANY INFORMATION OBTAINED BY YOU AS A RESULT OF YOUR USE OF THE OFFERING WILL BE ACCURATE OR RELIABLE, AND Finpay Swift 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. YOU DO SO AT YOUR DISCRETION AND RISK IF YOU DOWNLOAD ANY MATERIAL OR OBTAIN IT IN ANY OTHER WAY VIA THE OFFERING.

The advantages of using Finpay Swift include, but are not limited to:

ANY DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY THAT YOU MAY SUFFER, REGARDLESS OF HOW CAUSED OR BASED ON WHAT TYPE OF LIABILITY. THIS SHALL COVER ANY LOSS OF PROFIT (WHETHER INCURRED DIRECTLY OR INDIRECTLY), ANY LOSS OF GOODWILL OR BUSINESS REPUTATION, ANY LOSS OF DATA SUFFERED, THE COST OF OBTAINING SUBSTITUTE GOODS OR SERVICES, OR ANY OTHER INTANGIBLE LOSS;

LOSSES OR DAMAGES, INCLUDING BUT NOT LIMITED TO THE FOLLOWING:

The deletion, corruption, or failure to store any content or other communications data maintained or transmitted by or through your use of the offering; your failure to provide Finpay Swift with accurate account information; your failure to keep your password or account details secure. Any changes that Finpay Swift may make to the offering or for any permanent or temporary cessation in the provision of the offering (or any features within the offering).

The offering may have links to other websites, content, or resources. Finpay Swift disclaims all liability and responsibility for any errors or omissions in the content, operation, or accessibility of any such external websites or resources and does not support their inclusion. If the materials from the external site are unavailable, you are not responsible for any loss or harm you could sustain.

GENERAL LEGISLATION

Finpay Swift, but they may not apply if different words are included in an agreement between you and the service provider. Additional terms can bind you if you use other services, software, or products from a different business or individual.

In addition to any further terms that might be included in a specific contract for the service you want, the terms and conditions regulating your use of the offering also apply to your use of Finpay Swift. Other businesses or people may have additional time for a different deal, piece of software, or product.

The laws of India, especially those of the State of India, apply to Finpay Swift. You and Finpay Swift agree to submit any disputes to arbitration before three arbitrators—one chosen jointly by the two arbitrators and one selected by each party—to be resolved.

TERMINATION

The right to terminate your use of the services provided by Finpay Swift exists if you do not agree with any changes made to these terms. We reserve the right to suspend or terminate your access to our services if you violate these terms.

FORCE MAJEURE

Life is unpredictable, and sometimes events beyond our control can affect the services provided by Finpay Swift. If our ability to perform services on the website is hindered by things like labor disputes, natural disasters, pandemics, severe weather, hacking incidents, or government actions, we'll be excused from performing during that period. This doesn't mean we're breaching our obligations or taking legal responsibility; it's just a recognition that certain events can make it difficult or impossible for us to provide services temporarily. We'll do our best to navigate these situations, and your understanding is appreciated.

GOVERNING LAW

Our terms are governed by the laws of India, and any disputes arising out of or in connection with these terms will be subject to the exclusive jurisdiction of the courts of India.

REVISIONS TO THE TERMS

The terms may occasionally be modified by Finpay Swift. You will be notified of the same by email on the website of Finpay Swift. If such changes are made, Finpay Swift shall take reasonable steps to make the modified terms easily available. If you use the offering after the times have changed or after the date, you must react by these terms have passed, Finpay Swift will treat your usage as acceptance of the modified terms.