Welcome to Exotic Informative, operated by EXOTIC INFORMATIVE PRIVATE LIMITED. We appreciate the confidence you place in us and are committed to delivering secure and reliable services. Throughout this document, references to “We,” “Us,” or “Our” denote Exotic Informative, while “You,” “Your,” or “User” refer to any individual or entity accessing or using our services. These Terms and Conditions establish the legally binding rules that govern your interaction with and use of our digital payment processing platform.

We strongly encourage you to review these Terms carefully prior to accessing our website or services. By continuing to use the platform, you confirm that you understand and agree to comply with the terms set forth herein. If you do not accept any portion of these Terms, you must immediately discontinue use of our services. These Terms may be revised from time to time, and continued usage following such updates will be deemed acceptance of the revised provisions.

Acceptance of Terms

By accessing, registering, or using our platform in any manner, you acknowledge and agree to be bound by these Terms along with our Privacy Policy. If you disagree with any clause, you are required to cease all use of the Services without delay.

Eligibility and Account Setup

To be eligible to use our Services, you must satisfy the following conditions:

• You must be at least 18 years of age and legally capable of entering into enforceable agreements.
• You must operate a lawful business entity that adheres to all applicable rules, regulations, and statutory requirements.
• As part of our onboarding procedure, you are required to complete identity and business verification by submitting authentic documentation under our KYC process.
• You bear full responsibility for safeguarding your account credentials. Any activity carried out through your account shall be treated as authorized by you unless proven otherwise.
• We retain the unrestricted right to approve, deny, or revoke access to our Services at our sole discretion.

Nature of Services

Exotic Informative offers digital transaction processing solutions that allow merchants to receive payments from customers using multiple electronic payment methods, including UPI-based transfers, online banking options, and digital wallet solutions. Our platform provides technical integration resources such as APIs, extensions, and system connectors for websites, mobile applications, and point-of-sale environments. Additional offerings may include payment links, recurring billing, invoicing tools, QR-based transactions, and detailed transaction analytics. Funds collected through the platform are settled into your registered bank account. We may enhance, alter, suspend, or discontinue any part of the Services without prior notice.

User Responsibilities

By using our Services, you agree to:

• Submit truthful, complete, and up-to-date business, banking, and contact information.
• Utilize the platform solely for legitimate and lawful commercial activities.
• Keep all login credentials, security keys, and access tokens confidential at all times.
• Promptly inform us of any suspected unauthorized access, misuse, fraud, or security breach related to your account.

Charges and Fund Settlement

Service-related charges are specified within your Merchant Agreement or visible on your dashboard. We reserve the right to modify pricing structures with prior notification. All charges are exclusive of applicable taxes unless explicitly stated. You are solely responsible for calculating, reporting, and remitting any taxes to the appropriate authorities. You will also be accountable for customer-initiated charge disputes, and any refunds shall be processed in accordance with our internal procedures and timelines. Fee revisions may be communicated through email notifications or dashboard alerts.

Restricted Usage

You are expressly forbidden from using our Services for unlawful, deceptive, or unauthorized activities. Prohibited use includes, but is not limited to, transactions involving illegal substances, adult-oriented material, wagering activities, counterfeit goods, weapons, or any items restricted under applicable laws. You must not attempt to interfere with platform operations, bypass protective mechanisms, or exploit technical weaknesses. Violations may result in immediate suspension, retention of funds, and legal action as permitted by law.

Risk Control and Fraud Prevention

We employ advanced transaction surveillance mechanisms, automated risk evaluation systems, and intelligent fraud detection technologies to safeguard platform integrity. Transactions identified as suspicious may be delayed, reviewed, reversed, or blocked. In instances of verified fraudulent or high-risk behavior, we may restrict, suspend, or permanently disable your account without prior notice. You agree to bear responsibility for any losses, disputes, penalties, or regulatory consequences arising from non-compliant or illicit activity conducted through your account.

Data Protection and Information Security

Protecting merchant and customer information is a core priority for us. All personal, business, and transactional data collected through our Services is processed in accordance with applicable data protection regulations and our Privacy Policy. We implement strong encryption protocols, authentication controls, and system safeguards to protect sensitive information. You authorize us to process your data for transaction execution, fraud monitoring, system optimization, compliance obligations, and legal requirements. You must not retain or store customer card-related information on your own systems unless expressly permitted under prevailing security regulations.

Intellectual Property Rights

All rights related to the platform, including software architecture, visual interfaces, brand assets, trademarks, logos, written materials, and technical documentation, are owned exclusively by EXOTIC INFORMATIVE PRIVATE LIMITED or its licensors. You are granted a restricted, revocable, non-transferable license to use the platform solely for its intended commercial purpose. Any copying, modification, reverse engineering, redistribution, or unauthorized commercial use is strictly prohibited. Use of our branding or promotional assets requires prior written approval.

External Integrations

Our Services may interface with third-party providers such as financial institutions, settlement partners, analytics platforms, or business management tools. We do not control these external services and disclaim responsibility for their availability, functionality, or data handling practices. Any reliance on third-party integrations is undertaken at your own risk and subject to the respective provider’s terms and conditions.

Suspension and Termination

We may temporarily or permanently suspend your access to the Services if we determine that you have breached these Terms, engaged in questionable conduct, or if required by legal or regulatory directives. Depending on the nature of the violation, access restrictions may be immediate and without notice. Upon termination, all outstanding balances, liabilities, and obligations must be settled. We may retain funds during investigations or until disputes are resolved.

Dispute Handling

In the event of disagreements or complaints, our internal support and resolution team will initially attempt to address the matter in good faith. Transaction-related disputes will be managed in coordination with relevant banking and settlement partners in accordance with established procedures. If a resolution cannot be reached, legal remedies may be pursued as per the governing law and jurisdiction stated below.

Limitation of Responsibility

To the maximum extent allowed by law, Exotic Informative shall not be responsible for any indirect, incidental, special, or consequential losses arising from your use or inability to use the Services. This includes losses related to revenue, data, reputation, or business continuity. We do not warrant uninterrupted availability or error-free transaction processing.

Indemnity

You agree to fully indemnify and hold harmless EXOTIC INFORMATIVE PRIVATE LIMITED, including its officers, employees, partners, and affiliates, from any claims, damages, costs, liabilities, or legal expenses resulting from your breach of these Terms, misuse of the Services, or any unlawful or fraudulent activity conducted through your account.

Applicable Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any legal proceedings arising from or related to these Terms shall fall under the exclusive jurisdiction of the courts within India.

Uncontrollable Events

We shall not be liable for delays or failures in performance caused by circumstances beyond our reasonable control. Such circumstances may include natural calamities, public health emergencies, armed conflicts, cyber incidents, system failures, labor disputes, or governmental actions.

Revisions to Terms

We reserve the right to revise, modify, or replace these Terms at any time. Updated versions will be published on our website along with a revised “Last Updated” date. Continued use of the Services after such changes indicates your acceptance of the updated Terms. You are encouraged to review this page periodically.

Severability and Non-Waiver

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full effect. Our failure to enforce any right or provision shall not constitute a waiver of such right in the future.

Contact Details

For questions, concerns, grievances, or legal correspondence related to these Terms, please contact us at (mention email).