1. Overview of Services

Siinpay is a digital payment gateway that enables businesses to:

1. Accept online and offline payments
2. Generate Quick Pay links and QR codes
3. Track transactions and settlements
4. View real-time reports
5. Integrate with eCommerce or mobile platforms

2. Account Registration

To use Siinpay, you must:

1. Be at least 18 years old
2. Operate a legally registered business or provide accurate KYC documentation
3. Provide complete and truthful information during sign-up

We reserve the right to suspend or terminate accounts that provide false information or engage in prohibited activities.

3. Use of Platform

You agree to use Siinpay only for lawful business transactions. You must not:

1. Use the Platform for any illegal, fraudulent, or misleading purposes
2. Attempt to bypass security or authentication measures
3. Use the system to process prohibited goods/services (e.g., narcotics, gambling, or adult content without proper licensing)

4. Fees and Settlements

1. Siinpay charges transaction fees as clearly stated during onboarding or on our pricing page.
2. Settlement cycles (daily, weekly, or custom) are based on your business settings.
3. Payouts are subject to bank processing times and verification procedures.

5. Payment Processing & Disputes

1. All transactions processed through Siinpay are subject to verification.
2. In case of chargebacks or disputes, Siinpay will work with relevant parties to investigate and resolve.
3. Siinpay is not liable for any losses caused by customer fraud, unauthorized transactions, or third-party platform errors.

6. Data Security & Privacy

1. We use industry-standard encryption and secure storage to protect your data.
2. You agree to comply with all relevant data protection laws (such as GDPR, PCI-DSS).
3. For more details, refer to our Privacy Policy.

7. Intellectual Property

All content, software, branding, and features of the Siinpay platform are the property of Siinpay or its licensors. You may not reproduce or distribute any part of the service without our written permission.

8. Termination

Siinpay may suspend or terminate your account if:

1. You breach these Terms
2. You engage in suspicious or unauthorized activity
3. You fail to comply with legal or regulatory obligations

Upon termination, any pending settlements may be delayed for further review.

9. Disclaimer of Warranties

Siinpay is provided “as is” and “as available.” We make no guarantees about:

1. Uptime or performance of the platform
2. Accuracy or completeness of data
3. Suitability for your business needs

You use the platform at your own risk.

10. Limitation of Liability

To the extent permitted by law, Siinpay is not liable for:

1. Any indirect or consequential damages
2. Loss of profits, revenue, or business
3. Unauthorized access or data breaches beyond our reasonable control

Our total liability is limited to the fees you’ve paid us in the last 30 days.

11. Modifications

We may revise these Terms at any time. Changes will be posted on our website or app. Continued use of the platform after updates means you accept the revised Terms.

12. Governing Law

These Terms are governed by the laws of [Insert Jurisdiction, e.g., India]. Any legal disputes must be resolved in courts located in [Insert City or State].

13. Contact Us

If you have any questions, please contact:

Email: support@siinpay.com
Website: www.siinpay.com