Terms and Conditions

1. User Agreement

ZYBERIC SOLUTIONS PRIVATE LIMITED ("we," "us," or "our") is the one who runs Zyberic solutions and we aspire to offer a swift and secure experience for our users ("you," or "your"). By using our services, you agree to comply with all terms outlined on this page. The agreement forms a legal understanding between you and the company. You are advised to read these terms carefully before proceeding. Continued use of our services indicates your full acceptance of these conditions. If you disagree with any part, please refrain from using the platform.

2. Account Registration

To access our services, users must complete a valid registration process. All information provided must be accurate, current, and complete. Users are responsible for maintaining the confidentiality of their login credentials. Any activity carried out through the account will be considered authorized by the registered user. The company reserves the right to reject or terminate accounts at its discretion.

3. Authorized Users

Only individuals with valid access credentials may use the services under a registered account. The account holder is responsible for all activities conducted through their account. Unauthorized access or usage is strictly prohibited. Any suspected misuse must be reported immediately. The company holds the right to suspend access if unauthorized use is detected.

4. Services Overview

We provide a range of digital financial technology services designed to facilitate seamless, secure, and scalable financial operations. By accessing or using any of our services, you acknowledge and agree to be bound by the general terms related to the scope and nature of the services offered.

1. Payments Infrastructure

   Our payments infrastructure services enable businesses and institutions to process and manage digital transactions efficiently. This includes, but is not limited to:

   • Payment Gateway: Facilitates secure online payment acceptance through various digital channels.
   • Payout Solutions: Enables bulk disbursements and instant transfers to multiple recipients.
   • UPI Switch: Supports the routing, processing, and management of UPI-based transactions.
   • Card Issuing & Acquiring Switch: Offers infrastructure for issuing and acquiring card-based payments.
   • AEPS, DMT & BBPS: Supports Aadhaar-enabled transactions, domestic money transfers, and bill payment services through regulated digital systems.
2. Banking & Finance Solutions

   We offer digital tools and platforms that enhance banking operations and financial workflows, including:

   • Connected Banking: Integration tools for seamless connection between banking systems and financial platforms.
   • Expense Management: Streamlines business expense tracking, reporting, and reimbursement processes.
   • Reconciliation Solutions: Automates the reconciliation of financial records and settlements across channels.
3. Card Systems

   We support card-based ecosystems through:

   • Card Management System: Offers tools for issuing, managing, and monitoring cards across their lifecycle.
   • Card Issuing & Acquiring Switch: Provides the backend infrastructure to facilitate card issuance and merchant acquiring processes.
4. Security & Risk Management

   We incorporate robust security protocols and risk mitigation systems to protect all stakeholders:

   • Fraud Risk Management: Monitors, detects, and prevents unauthorized or suspicious transactions.
   • Hardware Security Module (HSM): Provides secure encryption, storage, and transaction signing for sensitive financial data.
5. Marketplace & Commerce Solutions

   We facilitate digital commerce and marketplace integration through interoperable platforms:

   • ONDC Marketplace Enablement: Provides infrastructure and services that connect buyers and sellers through open digital networks.

5. Fees and Charges

Fees applicable to transactions and services will be clearly communicated. Charges may vary based on the nature of use and will be deducted as agreed. Users are responsible for reviewing the pricing structure before initiating transactions. Continued usage implies acceptance of any applicable charges. The company may revise its fee structure with appropriate updates.

6. Payment Processing

Transactions are processed through secure channels as per the applicable regulatory framework. Users must ensure sufficient balance for successful payments. Failed transactions due to user error will not be reimbursed. The company acts as an intermediary and does not hold responsibility for delays caused by external factors. Refunds, where applicable, will be subject to internal review.

7. Security Measures

We employ standard protocols to protect user data and transaction details. Despite strict measures, users must practice caution while using the platform. Any suspicious activity should be reported without delay. The company continuously monitors systems to detect and prevent threats. User cooperation is vital in maintaining a secure environment.

8. User Responsibilities

Users must ensure all submitted details are accurate and not misleading. Compliance with all applicable rules and these terms is required. Misuse of services will lead to penalties or account suspension. Prompt reporting of unauthorized use is mandatory. Users agree to bear full accountability for their actions on the platform.

9. Prohibited Activities

Illegal, deceptive, or unauthorized transactions are strictly forbidden. Users must not attempt to interfere with the system's functionality. Activities that compromise platform integrity will result in immediate termination. Impersonation, spamming, or hacking is not tolerated. The company reserves the right to take legal action when required.

10. Intellectual Property Rights

All platform content, including logos and interface elements, is protected by intellectual property laws. Users may not copy, reproduce, or distribute any part without written permission. Unauthorized use will lead to legal consequences. The platform grants no ownership rights through service usage. All rights remain with the company.

11. Data Security

We prioritize the protection of all user data through encryption and access control methods. Regular audits are conducted to maintain system integrity. Users should avoid sharing sensitive data unnecessarily. While efforts are made to prevent breaches, no system is entirely immune. Cooperation from users helps in reinforcing overall security.

12. Privacy Policy

We collect limited user information required to provide our services effectively. This data is handled with strict confidentiality. Users may access the privacy policy to understand how their data is used. No personal data is sold or disclosed without valid consent or legal obligation. We commit to ethical data practices at all times.

13. Termination

The company may suspend or terminate accounts for violations of these terms. Users may also choose to deactivate their accounts at any time. Upon termination, access to services will be withdrawn. Any pending transactions will be handled as per existing guidelines. Terms concerning liability and rights will remain enforceable after termination.

14. Limitation of Liability

The company is not liable for indirect or incidental damages arising from service use. Users understand that digital platforms carry inherent risks. We do not guarantee uninterrupted access at all times. Liability is limited to the extent permitted by applicable laws. The user agrees to use the platform at their own discretion.

15. Indemnification

Users agree to indemnify and hold the company harmless from any claims arising from misuse. This includes legal costs, liabilities, or third-party actions resulting from user conduct. The clause applies even after termination of services. Prompt cooperation during investigations is expected. This ensures protection of the platform’s integrity.

16. Force Majeure

We are not responsible for failures caused by events beyond reasonable control. This includes natural disasters, network outages, and legal restrictions. Service disruption due to such events does not imply negligence. Users agree to hold the company harmless during such occurrences. Normal operations will resume once the event subsides.

17. Governing Law

All terms are governed under Indian laws. Any disputes will be subject to the appropriate legal frameworks. Users agree to comply with such laws at all times. No provision here overrides mandatory statutory regulations. Legal clarity ensures mutual understanding and fair application.

18. Dispute Resolution

We aim to resolve disputes promptly through mutual discussion and formal channels. If unresolved, matters may be escalated to legal forums as permitted. Users are encouraged to raise concerns directly through the support section. Clear documentation of grievances is advised. The platform values fair and transparent resolution processes.

19. Modification of Terms

The company reserves the right to update these terms without prior notice. Changes will be effective once posted on the platform. Users are encouraged to review them periodically. Continued use implies acceptance of the modified terms. Any significant changes will be highlighted for user clarity.

20. Contact Information

For queries related to these terms, users may reach out via email at (mention email). We strive to respond within reasonable timeframes. Users should provide relevant details for faster resolution. Our team is committed to assisting with all valid concerns.