Terms of service

1. Introduction

This document is an electronic record in terms of the Information Technology Act, 2000 and rules thereunder as applicable and amended from time to time, including the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021. This electronic record is generated by an electronic system and does not require any physical or digital signatures.

M/s. Jaikalki Technology Private Limited ("Company," "we," "us," or "our") operates htpps://gurutvapay.com ("Platform"), a payment processing service provider. We are committed to safeguarding the privacy of our users ("User," "you," or "your"). This Privacy Policy outlines how we collect, use, disclose, and protect your personal information. By accessing or using our Platform, you consent to the practices described in this policy.

2. Definitions

• "Platform" refers to GurutvaPay.com, including all its services, features, and content.
  
• "User" refers to any individual or entity accessing or using the Platform.
  
• "Services" encompass all offerings provided by the Platform, including payment processing and related services.
  

3. Eligibility

By using our Platform, you represent and warrant that:

• You are at least 18 years old and capable of entering into legally binding agreements.
• You have not been previously suspended or removed from using our Services.
• Your use of the Platform does not violate any applicable laws or regulations.

4. User Obligations

As a User, you agree to:

• Provide accurate, current, and complete information during registration and maintain the accuracy of such information.
• Use the Platform solely for lawful purposes and in compliance with all applicable laws and regulations.
• Maintain the confidentiality of your account credentials and be responsible for all activities under your account.
• Notify us immediately of any unauthorized use of your account or any other security breaches.

5. Prohibited Activities

Users are strictly prohibited from:

• Engaging in fraudulent, deceptive, or misleading activities.
• Using the Platform for any illegal purposes, including but not limited to money laundering, gambling, or activities not permitted by Indian law.
• Transmitting any viruses, malware, or other harmful code.
• Interfering with or disrupting the integrity or performance of the Platform.
• Attempting to gain unauthorized access to any part of the Platform or its related systems.

6. Services

6.1 Payment Processing

We provide payment processing services to facilitate transactions between Users and their customers. Our Services exclude transactions related to money laundering, gambling, cryptocurrency, and any business not permitted by Indian law.

6.2 Service Fees

Users may be subject to service fees as outlined in our fee schedule. We reserve the right to modify these fees with prior notice.

6.3 Transaction Limits

We may impose transaction limits based on regulatory requirements and our internal policies. Users will be notified of such limits as applicable.

7. User Registration and Account

1. Registration Process

To access certain features of our Platform, Users must complete the registration process by providing:

• Full name
• Mobile number
• Email address
• Residential and business address
• Personal details
• KYC documents (e.g., PAN Card, Aadhaar Card, GST Registration)

2. Account Security

Users are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account. We are not liable for any loss or damage arising from unauthorized use of your account.

8. Data Privacy

We are committed to protecting your privacy. Our Privacy Policy outlines how we collect, use, and protect your information. By using our Platform, you consent to the collection and use of your information as described in our Privacy Policy.

9. Intellectual Property

All content, trademarks, logos, and other intellectual property displayed on the Platform are the property of the Company or its licensors. Users are prohibited from using any intellectual property without prior written consent from the Company.

10. Limitation of Liability

To the fullest extent permitted by law:

• The Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.
• The Company's total liability arising out of or in connection with these Terms shall not exceed the amount paid by the User to the Company for the use of the Services.

11. Indemnification

Users agree to indemnify and hold harmless the Company, its affiliates, officers, agents, and employees from any claims, liabilities, damages, losses, and expenses arising out of or in connection with:

• User's use of the Platform.
• User's violation of these Terms.
• User's violation of any rights of another party.

12. Termination

1. By the User

Users may terminate their account at any time by contacting our support team.

2. By the Company

We reserve the right to suspend or terminate a User's access to the Platform without prior notice if:

• The User violates these Terms.
• The User engages in fraudulent or illegal activities.
• Required by law or regulatory authorities.

13. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Thane, Maharashtra.

14. Amendments

We may amend these Terms from time to time. Users will be notified of any significant changes, and continued use of the Platform after such changes constitutes acceptance of the new Terms.

15. Contact Us

For any questions or concerns regarding these Terms, please contact us at:

• contact@gurutvapay.com
• Address: Sh N B1/A Grd Flr Mahavir Ngr, Deepak Hospital, Mira Road, Thane, Maharashtra, 401107

By using our Platform, you acknowledge that you have read, understood, and agree to this Privacy Policy.