Terms of Service

1. Agreement to Terms

By accessing or using any services provided by SiaPay Technologies Private Limited (CIN: U62099UP2025PTC222072), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access our services.

These Terms apply to all users, including merchants, developers, customers, and visitors to our website and applications.

2. Company Information

Legal Entity: SiaPay Technologies Private Limited
Corporate Identification Number (CIN): U62099UP2025PTC222072
Permanent Account Number (PAN): ABQCS0132B
Tax Deduction Account Number (TAN): MRTS34889B
Registered Office: Office No.537, 5th Floor, Urbtech Trade Centre, Maharishi Nagar, Sector 132, Noida, Gautambuddha Nagar, Uttar Pradesh 201304, India
Year of Incorporation: 2025

3. Services Provided

3.1 Payment & Financial Services

• Payment Gateway Solutions
• Digital Payment Processing
• Virtual Account Management
• Multi-channel Payment Integration
• Financial Technology APIs
• Transaction Management Systems

3.2 Technology Solutions

• Custom Payment Platform Development
• API Development and Integration
• Security and Compliance Solutions
• Analytics and Reporting Tools
• Enterprise Software Development
• Cloud-based Infrastructure Solutions

4. Account Registration

To use certain services, you must register for an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

5. Payment Terms

5.1 Fintech Services

• Transaction fees as per selected plan
• Settlement cycles as specified in your agreement
• Applicable taxes (GST) will be added to all charges
• Refund and chargeback policies as per our policy

5.2 Development Services

• Project-based or hourly billing as agreed
• Advance payment requirements as specified
• Milestone-based payments for large projects
• Late payment charges: 1.5% per month

6. Acceptable Use Policy

You agree not to use our services for:

• Any illegal or unauthorized purpose
• Violating any laws or regulations
• Transmitting malware or harmful code
• Interfering with service operations
• Attempting unauthorized access
• Processing prohibited transactions
• Money laundering or terrorist financing

7. Intellectual Property

7.1 Our Property

All content, features, and functionality of our services are owned by SiaPay and protected by intellectual property laws.

7.2 Your Property

You retain ownership of content you provide. You grant us a license to use your content as necessary to provide our services.

7.3 Development Work

For development services, intellectual property rights transfer upon full payment unless otherwise agreed in writing.

8. Data Protection and Privacy

Your use of our services is also governed by our Privacy Policy. We comply with:

• Information Technology Act, 2000
• Industry-standard data security practices
• Industry-standard security practices
• PCI DSS standards (compliance in progress)

9. Service Level Agreement

9.1 Uptime Commitment

We strive to maintain 99.9% uptime for our services, excluding scheduled maintenance.

9.2 Support

• Email support for all plans
• Priority support for Growth and Enterprise plans
• 24/7 support for Enterprise customers

10. Limitation of Liability

To the maximum extent permitted by law:

• Our liability is limited to the amount paid by you in the last 12 months
• We are not liable for indirect, incidental, or consequential damages
• We are not responsible for third-party services or content

11. Indemnification

You agree to indemnify and hold SiaPay harmless from any claims, damages, or expenses arising from:

• Your violation of these Terms
• Your violation of any laws or regulations
• Your use of our services
• Any content you provide

12. Termination

We may terminate or suspend your account immediately, without prior notice, for:

• Breach of these Terms
• Fraudulent or illegal activities
• Non-payment of fees
• Request by law enforcement

Upon termination, your right to use our services will cease immediately.

14. Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Noida, Uttar Pradesh, India.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or website notification. Continued use after changes constitutes acceptance.

16. Contact Information

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

18. Entire Agreement

These Terms constitute the entire agreement between you and SiaPay regarding the use of our services, superseding any prior agreements.