Welcome to Prismpath Tech, managed and operated by PRISMPATH TECHNOLOGY PRIVATE LIMITED. We value your trust and the opportunity to provide our services.

Definitions:

• “we,” “our,” “us” refer to Prismpath Tech
• “you,” “your,” “user” refer to individuals or entities using our services

These Terms outline the rules for using our services. By accessing or continuing to use our Services, you agree to these Terms. If you disagree with any part, you must stop using the Services immediately. These Terms may be updated periodically, and ongoing use constitutes acceptance of any revisions.

Acceptance of Terms

By using our Services, you confirm your agreement to these Terms along with our Privacy Policy. If you do not agree, please discontinue use of our Services immediately.

Eligibility and Account Registration

To access our Services, you must ensure:

• You are 18 years or older and legally capable of entering contracts
• Your business is legitimate and complies with applicable laws
• Completion of KYC verification with valid identification and business documents is mandatory
• You are responsible for safeguarding account credentials; all activity under your account is considered authorized unless proven otherwise
• We reserve the right to approve or reject any registration at our discretion

Scope of Services

Prismpath Tech provides digital payment solutions enabling businesses to accept payments via:

• Credit/debit cards
• UPI
• Net banking
• Digital wallets

Key features include:

• API and plugin integrations for websites, applications, and POS systems
• Payment links, QR code payments, subscription billing, and invoicing tools
• Real-time transaction tracking with settlements into verified bank accounts

We may add, modify, or discontinue Services at our discretion.

User Responsibilities

As a registered user, you must:

• Provide accurate and up-to-date business and financial information
• Use the Services only for lawful and legitimate business purposes
• Keep login credentials, API keys, and access details secure
• Notify us immediately of unauthorized access, fraud, or security breaches

Fees and Settlements

• Applicable service fees are listed in your Merchant Agreement or Dashboard
• Fees are exclusive of taxes; you are responsible for applicable taxes
• Chargebacks are your responsibility; refunds follow internal policies and timelines
• Fee revisions will be communicated in advance via email or Dashboard alerts

Restricted Activities

You are prohibited from using the Services for:

• Illegal, unauthorized, or fraudulent activities
• Transactions involving restricted goods or services (narcotics, gambling, adult content, counterfeit items, firearms, or legally banned items)
• Attempting to breach or manipulate system security

Violation consequences:

• Account suspension or termination
• Withholding of funds pending investigation
• Legal action as per applicable law

Fraud Prevention and Risk Control

We use advanced measures to protect transactions:

• Real-time transaction monitoring
• AI-based fraud detection and risk scoring

If high-risk or suspicious activity is detected:

• Transactions may be delayed, withheld, or reversed
• Accounts may be suspended or terminated without notice
• Users are liable for losses, penalties, or chargebacks due to unlawful activity

Privacy and Data Protection

We prioritize your privacy and comply with relevant data protection laws and our Privacy Policy.

• Data security measures include:
• Encryption and authentication protocols
• Restricted access controls
• Your data may be used for:
• Transaction processing
• Fraud detection and compliance
• Technical maintenance and platform improvements

Intellectual Property Rights

• All IP (software, design, content, trademarks, documentation) belongs to PRISMPATH TECHNOLOGY PRIVATE LIMITED or its licensors
• Users receive a limited, non-transferable license to use the platform for business purposes only
• Copying, modifying, reverse-engineering, sublicensing, or misusing any platform component is prohibited
• Use of branding or marketing materials requires prior written approval

Third-Party Integrations

Our Services may integrate with third-party entities (banks, payment networks, analytics providers, logistics, CRM).

• We are not responsible for third-party practices or reliability
• Losses from third-party services are governed by their own terms

Suspension and Termination

Accounts may be suspended or terminated for:

• Breach of these Terms
• Illegal, fraudulent, or unauthorized activity
• Compliance with legal or regulatory obligations

Consequences include:

• Temporary or permanent suspension
• Withholding of funds
• Requirement to clear outstanding payments

Dispute Resolution

• Disputes are first handled by our internal support and resolution team
• Transaction-related issues (e.g., chargebacks) involve coordination with banks and payment networks
• Unresolved matters may be pursued as per applicable jurisdiction

Limitation of Liability

To the fullest extent allowed by law:

• We are not liable for indirect, incidental, or consequential damages
• Liability does not include loss of profits, revenue, data, or business opportunities
• Services are not guaranteed to be uninterrupted or error-free

Indemnification

You agree to indemnify and hold harmless PRISMPATH TECHNOLOGY PRIVATE LIMITED, its employees, affiliates, and directors against claims or liabilities arising from:

• Misuse of the Services
• Breach of Terms
• Fraudulent or unlawful activity

Governing Law and Jurisdiction

• Terms governed by Indian law
• Disputes fall under the exclusive jurisdiction of Indian courts

Force Majeure

We are not liable for delays or failures caused by events beyond reasonable control, including:

• Natural disasters
• Epidemics or pandemics
• Terrorism or war
• Cyberattacks or technical failures
• Strikes or labor unrest
• Government restrictions

Amendments to Terms

• Terms may be updated at any time
• Significant changes will be posted with a “Last Updated” date
• Continued use of Services implies acceptance of revised Terms
• Users are encouraged to review Terms periodically

Severability and Waiver

• Invalid provisions do not affect remaining Terms
• Failure to enforce any right does not waive future enforcement rights

Contact Information

For questions, concerns, or legal notices regarding these Terms, contact us at prismpathtechnologypvtltd@gmail.com