Terms & Conditions

Terms and Conditions

Welcome to FinzioPay. These Terms and Conditions govern your use of our website and payment gateway services. By accessing or using any part of our platform, you agree to be bound by these Terms. If you do not agree, you may not use our services.

1. Definitions

FinzioPay is the payment gateway provider.
User means the individual or business using the services.
Service refers to the payment processing provided by FinzioPay.

2. User Eligibility

To use FinzioPay, you must be at least 18 years old or of legal age in your jurisdiction. You agree to provide accurate and up-to-date information during registration and use.

3. Account Registration

You are responsible for your FinzioPay account and all activity that occurs under it. Keep your login credentials secure and notify us immediately if you suspect unauthorized access.

4. KYC and Compliance

FinzioPay requires all users to complete Know Your Customer (KYC) verification in accordance with regulatory requirements. We reserve the right to request documents, verify identity, and suspend accounts for non-compliance.

5. Permitted Use

You agree to use FinzioPay only for legitimate business or personal payment processing. Prohibited activities include:

• Fraudulent transactions
• Money laundering or terrorist funding
• Illegal or high-risk goods and services

6. Fees and Charges

FinzioPay charges transaction and service fees, which are displayed during onboarding or checkout. You agree to pay applicable charges and taxes associated with your use of our services.

7. Payment Processing

Transactions processed through FinzioPay are secure and encrypted. While we strive for timely processing, we are not responsible for delays caused by banking systems, third-party providers, or force majeure.

8. Refunds and Disputes

All refund requests are subject to our Refund Policy. If a dispute arises, FinzioPay will investigate and may place a temporary hold on funds. Users are expected to cooperate with the resolution process.

9. Data Privacy

Your personal and financial data is handled with care and according to our Privacy Policy. FinzioPay complies with applicable data protection laws and never sells user data.

10. Intellectual Property

All content, branding, and software used by FinzioPay are the intellectual property of FinzioPay or its licensors. You may not reproduce, reuse, or distribute our content without permission.

11. Limitation of Liability

FinzioPay is not liable for indirect or incidental losses including:

• Delays or errors in transaction processing
• Loss of revenue or business opportunities
• Unauthorized account access

Our total liability is limited to the service fees paid for the affected transaction.

12. Suspension and Termination

FinzioPay reserves the right to suspend or terminate your account for breach of terms, non-compliance with policies, suspicious activities, or as required by law enforcement agencies.

13. Changes to Terms

These Terms may be updated periodically. We will notify users of significant changes via email or website notices. Continued use of FinzioPay indicates acceptance of revised Terms.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in [Your City], India.

15. Contact Information

For questions about these Terms and Conditions, please contact us at: finziopay@gmail.com