1. Acceptance of Terms

By accessing or using the UPI payment services ("Services") provided by [Your Brand Name], you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to all terms, you must immediately cease using our Services.

2. Service Description

[Your Brand Name] provides a comprehensive payment suite including:

• Unified Payments Interface (UPI) processing
• Merchant account onboarding and management
• Secure payment gateway integration APIs
• Real-time transaction reporting and analytics dashboards

All operations are strictly governed by the Reserve Bank of India (RBI) guidelines and NPCI regulations.

3. Account Registration

To qualify for and maintain an active account, you agree to:

• Provide completely accurate, current, and verifiable registration details.
• Be at least 18 years of age and possess the legal capacity to enter into contracts.
• Hold explicit legal authority to bind your business entity (applicable to merchants).
• Successfully complete all required Know Your Customer (KYC) and Anti-Money Laundering (AML) verifications.

Account security and credential confidentiality remain your sole responsibility.

4. Prohibited Activities

Users and merchants are strictly prohibited from:

• Utilizing the infrastructure for illegal operations or restricted business categories.
• Probing, scanning, or attempting to bypass platform security measures.
• Engaging in, facilitating, or ignoring fraudulent or unauthorized transactions.
• Deploying automated scrapers, bots, or extraction scripts on our network interfaces.

5. Transaction Processing

All system transactions are processed subject to:

• Standard limits established dynamically by RBI and NPCI network architectures.
• Automated fraud risk mitigation matrices and internal security holds.
• Banking hour clearing windows and general network availability constraints.

[Your Brand Name] assumes no liability for failed transfers caused directly by incorrect payment credentials entered by users.

6. Fees and Settlement Structures

Our standard platform fee tiering balances accessibility with network resilience:

• Standard UPI Traffic: 0% transaction fees (unless custom commercial contracts apply).
• Chargeback Processing: ₹200 processing assessment fee per verified dispute.
• Premium Value-Add Features: Priced dynamically according to your active panel subscription.

Platform pricing schedules may be adjusted with a mandatory 30 days prior digital notification notice.

7. Merchant Payout Schedules

Merchant settlement protocols operate under the following defaults:

• Standard Rolling Payouts: T+1 business days following successful capture.
• Minimum Settlement Floor: ₹500 required cumulative balance before generation.
• Destination Restrictions: Settlements deploy exclusively to validated commercial bank accounts.

8. Resolution of Disputes

When resolving financial discrepancies, parties must adhere to the following sequence:

1. Attempt direct good-faith reconciliation with the merchant entity first.
2. Escalate unresolved items directly via your platform dashboard within 60 calendar days of origin.
3. Submit comprehensive documentary evidence including system reference logs.
4. Accept mediated determinations made by our compliance team as definitive.

9. Limitations of Liability

Our operational liability ceiling is bounded explicitly:

• Direct damages are capped max up to the localized transaction volume amount in question.
• Claims require definitive proof of gross systemic negligence on our immediate part.

We disclaim responsibility for banking rail blackouts, force majeure events, or indirect business profit losses.

10. Account Suspension & Termination

We maintain the authority to freeze or terminate access routes:

• For active breaches of these terms or documented suspicious traffic profiles.
• Upon receipt of directive orders from legal, judicial, or RBI banking regulators.
• Following 12 consecutive months of absolute merchant profile dormancy.

You may gracefully close your operations profile at any time by providing a 30-day written notice request.

11. Governing Law & Jurisdiction

These terms and all downstream system relationships are interpreted strictly under the laws of the Republic of India. Any unresolved formal legal disputes remain localized to the exclusive jurisdiction of the competent courts within [Your City], India.

12. Amendments

We review and update these parameters to match current compliance architectures. Continued systemic operations following active edits imply complete validation of the modified terms.

13. Legal Contact Desk

Direct all inquiries regarding your compliance footprint to:

Email: legal@pay.garudhub.in
Corporate Address: [Your Registered Office Address]
Compliance Hotline: +91 XXXXXXXXXX