Terms of Use — milanj.money

Acceptance of terms

These Terms of Use ("Terms") govern your access to and use of the milanj.money website, dashboard, APIs, sandbox environment and any related services (collectively, the "Platform") operated by milanj.money. By accessing or using the Platform you agree to be bound by these Terms. If you do not agree, please do not use the Platform.

These Terms should be read together with our Privacy Policy, Refund & Cancellations Policy and any Order Form, partner agreement or service schedule you have signed with us. In the event of conflict, the Order Form or partner agreement prevails.

Who can use milanj.money

You may use the Platform only if all of the following are true.

You are at least eighteen (18) years of age and competent to enter into a binding contract under the Indian Contract Act 1872.

If you are acting on behalf of a business, that business is duly incorporated, registered and authorised under applicable Indian law to carry out the activities for which it uses the Platform.

You are not subject to any sanctions, debarment or restriction that would prohibit you from using payment infrastructure regulated in India.

You have provided accurate, complete and current information during onboarding and will keep that information updated for the duration of your use of the Platform.

Milanj.money may, in its sole discretion, accept or reject any application for an account, including for compliance, risk or partner-fit reasons, without obligation to provide reasons.

Your account and credentials

You are responsible for maintaining the confidentiality of your dashboard credentials, API keys and webhook secrets. You are responsible for all activity carried out under your account, whether or not you authorised it.

Notify us immediately at compliance@milanj.money if you suspect unauthorised access to your account.

Do not share credentials with third parties except under a signed partner or sub-merchant agreement that imposes equivalent security obligations.

Enable two-factor authentication where it is available on your account type.

You are responsible for ensuring that anyone who accesses the Platform through your account complies with these Terms.

Acceptable use

You may use the Platform only in accordance with these Terms and applicable Indian law. You agree that you will not:

Use the Platform to disburse funds connected with money laundering, terrorist financing, fraud, bribery or sanctions evasion.

Use the Platform for any category of activity restricted under the Prevention of Money Laundering Act 2002 ("PMLA"), Reserve Bank of India ("RBI") guidelines or milanj.money's published acceptable-use policy.

Interfere with the Platform's operation, including by attempting to bypass security controls, exceed published rate limits, scrape data, reverse-engineer APIs or introduce malicious code.

Impersonate another person or entity, misrepresent your identity or attempt to gain unauthorised access to another account.

Resell, sub-licence or white-label the Platform except under a written partner or reseller agreement signed with milanj.money.

Milanj.money may suspend or restrict access where it reasonably believes a violation has occurred or is likely to occur.

Service availability and changes

Milanj.money targets a Platform uptime of 99.9% measured monthly, excluding scheduled maintenance and events beyond our reasonable control. Enterprise service-level commitments are set out in a separate Service Level Agreement.

We may change, suspend or discontinue features of the Platform at any time. Where changes are material, we will give reasonable notice through email or a notice on the Platform. Continued use after the effective date of any change constitutes acceptance.

Fees and payment

Fees for the Services are set out in your Order Form, partner agreement or the published pricing page applicable to your tier.

All fees are exclusive of Goods and Services Tax ("GST") and other applicable levies, which will be charged additionally.

Milanj.money may revise fees on thirty (30) days' prior written notice. Continued use after the effective date constitutes acceptance of the revised fees.

Fees are payable in Indian rupees by the due date on the invoice. Overdue amounts may attract interest at 1.5% per month or the maximum rate permitted under applicable law, whichever is lower.

Fees once paid are non-refundable except as expressly set out in the Refund & Cancellations Policy.

Intellectual property

All rights, title and interest in the Platform, including all software, APIs, documentation, content and trademarks, are owned by milanj.money or its licensors. No licence is granted to you other than as expressly set out in these Terms.

You retain ownership of customer data you submit to the Platform. You grant milanj.money a non-exclusive, royalty-free, worldwide licence to use such data solely to provide and improve the Services and to comply with applicable law. We will not use your customer data for any other purpose.

Liability and disclaimers

The Platform is provided "as is." To the maximum extent permitted by applicable law, milanj.money disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement.

To the maximum extent permitted by applicable law, neither party will be liable for indirect, incidental, special, punitive or consequential damages, including loss of profit, revenue or goodwill arising out of or in connection with these Terms or use of the Platform.

Milanj.money's aggregate liability in any twelve-month period will not exceed the fees paid by you to milanj.money during the twelve months preceding the event giving rise to the claim. Nothing in these Terms limits liability for fraud, wilful misconduct or any liability that cannot be excluded under applicable law.

You agree to indemnify and hold harmless milanj.money, its officers, employees and banking partners from and against all claims, losses, damages and expenses arising from your breach of these Terms, your violation of applicable law, or your use of the Platform in an unauthorised manner.

Termination

These Terms remain in effect for as long as you have an account. Either party may terminate by giving thirty (30) days' written notice. Milanj.money may suspend or terminate access with immediate effect if it reasonably believes you have breached these Terms, violated applicable law, or pose a risk to the Platform, other users or a banking partner.

On termination, your obligations to pay accrued fees, maintain confidentiality and indemnify milanj.money survive. Milanj.money will retain records as required under applicable law, including PMLA 2002.

Governing law

These Terms are governed by the laws of India. Disputes will first be addressed through good-faith discussion. If unresolved within fifteen (15) days, the dispute will be referred to arbitration under the Arbitration and Conciliation Act 1996, by a sole arbitrator appointed by mutual agreement, seated in India and conducted in English.

Milanj.money may update these Terms from time to time. Material changes will be notified at least thirty (30) days in advance through email and a notice on the Platform. Continued use after the effective date of any revised Terms constitutes acceptance.

Questions about these Terms?

Email compliance@milanj.money. For grievances, see the Grievance Redressal page.

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