Terms of Use

Effective Date: July 24, 2025

The following terms and conditions (“Terms of Use”) govern your access to and use of the website https://collect.jodo.in, including all associated pages, products, software, API keys, features, content, and services—whether accessed via web or mobile application—collectively referred to as the “Platform”. The Platform is owned and operated by Bharosepe Technology Services Private Limited, a company incorporated under the laws of India (“Jodo”, “Company”, “We”, or “Us”).

Any person accessing, browsing, or using the Platform—whether or not such person avails of any of the services offered on it (“Services”)—shall be deemed a “User”, “Merchant”, “Seller”, “Client”, or “You”, as the context may require. By doing so, You are presumed to have read, understood, and unconditionally accepted these Terms of Use (including the Privacy Policy made available on the Platform). These Terms, along with all other applicable policies, notices, and guidelines issued by the Company from time to time (collectively, the “Policies”), form a binding and enforceable agreement between You and Jodo. These Terms do not modify or override any other separate written agreement You may have with Jodo for other products or services.

THE USER UNDERSTANDS AND UNCONDITIONALLY ACKNOWLEDGES THAT EVEN IF THE USER IS PERMITTED TO INITIATE OR EXECUTE TRANSACTIONS ON THE PLATFORM OPERATED BY JODO, ANY FUNDS COLLECTED THROUGH SUCH TRANSACTIONS SHALL NOT BE SETTLED TO THE USER’S ACCOUNT UNTIL THE USER HAS COMPLETED THE REQUIRED KNOW-YOUR-CUSTOMER (KYC) OBLIGATIONS IN ACCORDANCE WITH THE RESERVE BANK OF INDIA’S KYC GUIDELINES (“RBI KYC GUIDELINES”). FURTHER, IF THE USER FAILS TO COMPLETE THE KYC PROCESS TO THE SATISFACTION OF JODO, JODO RESERVES THE RIGHT TO WITHHOLD OR CANCEL ANY PENDING SETTLEMENTS AND MAY, AT ITS SOLE DISCRETION, REVERSE THE FUNDS TO THE ORIGINAL SOURCE ACCOUNT FROM WHICH THE PAYMENT WAS INITIATED.

Please read the terms set out hereunder carefully before agreeing to the same. If you do not agree to these Terms of Use (including any referenced policies or guidelines), please immediately terminate your use of the Website. You can accept the Terms of Use by:

Clicking to accept or agree to the Terms of Use, where this option is made available to you by Jodo in the User interface for any particular Service; or
Accessing, testing or actually using the Services. In this case, you understand and agree that Jodo will treat your use of the Services as acceptance of the Terms of Use from that point onwards.

For the purpose of these Terms of Use, wherever the context so requires, the term “User” shall mean and include any natural or legal person who has agreed to these Terms of Use on behalf of itself or any other legal entity.

It is clarified that the Privacy Policy (that is provided separately), form an integral part of these Terms of Use and should be read contemporaneously with the Terms of Use. Illegality or unenforceability of one or more provisions of these Terms of Use shall not affect the legality and enforceability of the other terms of the Terms of Use. For avoidance of doubt, if any of the provisions becomes void or unenforceable, the rest of the provisions of these Terms of Use shall be binding upon the User.

The Terms of Use may be revised or altered by us at our sole discretion at any time without any prior intimation to the User. The latest Terms of Use will be posted here. Any such changes by Jodo will be effective immediately. By continuing to use this Website or to access the Services / usage of our Services after changes are made, you agree to be bound by the revised/ amended Terms of Use and such amendments shall supersede all other terms of use previously accepted by the User. You are solely responsible for understanding and complying with all applicable laws of your specific jurisdiction, including but not limited to the provisions of the RBI Guidelines on Regulation of Payment Aggregators and Payment Gateways, Payment and Settlement Systems Act, 2007, Prevention of Money Laundering Act, 2002, Know Your Customer (KYC) / Anti-Money Laundering (AML) / Combating Financing of Terrorism (CFT) guidelines issued by the Department of Regulation, RBI (the “KYC GUIDELINES”) etc., that may be applicable to you in connection with your business and use of our Services.

1. Eligibility

To access or use the Platform, You must:

Be at least 18 years of age and legally competent to contract under Indian law.
Be a resident of India and hold a valid Indian mobile number and bank account.
Not be barred from using the Platform under any applicable laws or regulations.
Institutional or business users must be registered in accordance with Indian laws and authorized to act on behalf of the entity.

2. Legal Nature and Electronic Agreement

These Terms are governed by the Information Technology Act, 2000 and relevant rules. This electronic record does not require any physical or digital signature.

3. Changes to Terms

We may revise these Terms at any time. Updates will be posted on the Platform with a new “Effective Date.” Continued use after changes constitutes Your acceptance of the revised Terms.

4. User Responsibilities

You agree to:

Provide accurate, complete, and updated information when requested by Jodo.
Use the Platform only for lawful and authorized purposes.
Maintain confidentiality of Your login credentials.
Immediately report any unauthorized use of Your account or data breaches.
Comply with all applicable laws, including those related to digital payments, data protection, and financial services.

You must not:

Use the Platform to conduct illegal, fraudulent, or unauthorized transactions.
Impersonate another person or entity or misrepresent Your affiliation.
Interfere with or attempt to circumvent Platform security features.

5. Platform Access & Restrictions

Subject to these Terms, Jodo grants You a limited, non-exclusive, non-transferable, revocable license to use the Platform. You may not:

Copy, modify, distribute, reverse engineer, or decompile the Platform or any part thereof.
Use automated tools to access, scrape, or download Platform content without written consent.
Access the Platform in a manner that could damage, disable, or impair our systems.

6. Intellectual Property

All intellectual property rights, including trademarks, logos, designs, text, graphics, and software used on or through the Platform are the property of Jodo or its licensors. Nothing in these Terms shall grant You any right to use any of our intellectual property without express prior written consent.

7. Know Your Customer (KYC) & Compliance

Jodo may collect Know Your Customer (KYC) documents or other regulatory data from You. You agree to cooperate in furnishing required documentation and information as per RBI guidelines or other applicable laws. Services may be suspended until KYC is completed.

8. Third-Party Services

The Platform may integrate or rely on services provided by third parties, including but not limited to payment gateways, banking institutions, and verification providers. Your interaction with any such third party is governed by their terms and privacy policies. Jodo shall not be liable for any loss or damage caused by such third parties.

9. Account Security

You are solely responsible for:

Securing access to Your account.
Any activity conducted through Your account, whether authorized or not.
Notifying Jodo promptly in the event of a suspected or actual security breach.

Jodo will not be responsible for any loss or damages resulting from compromised account access due to Your failure to maintain security.

10. Fees & Charges

Jodo reserves the right to apply transaction, service, or processing fees. You will be informed of any applicable charges at the time of use. Jodo may also deduct any statutory charges or applicable taxes as required by law.

11. Refunds and Cancellations

Refunds, where applicable, are governed by the policies of the respective merchants or institutions. Jodo only facilitates payment processing and does not determine refund eligibility. Refunds or adjustments due to duplicate or erroneous transactions are subject to verification and applicable terms.

12. Disclaimers

You agree that the Platform and Services are provided on an “AS IS” and “AS AVAILABLE” basis. Jodo disclaims all warranties, express or implied, including but not limited to:

Accuracy, completeness, or reliability of content.
Uninterrupted, secure, or error-free operation of the Platform.
Performance or timeliness of third-party services or integrations.
Use of the Platform is at Your sole risk.

13. Limitation of Liability

To the fullest extent permitted by law - Jodo shall not be liable for any indirect, incidental, special, punitive, or consequential damages.

14. Termination

Jodo may suspend, limit, or terminate Your access to the Platform at any time, with or without cause or notice, especially in cases of suspected fraud, breach of Terms, or regulatory obligation.
You may discontinue use of the Platform at any time. However, data related to Your account may be retained for regulatory and audit purposes.

15. Indemnification

You agree to indemnify, defend, and hold harmless Jodo, its affiliates, employees, and partners from any loss, damage, claim, or liability (including legal fees) arising from:

Your use or misuse of the Platform.
Breach of these Terms.
Violation of applicable laws or third-party rights.

16. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India.
Any disputes shall be subject to binding arbitration under the Arbitration and Conciliation Act, 1996.
The seat and venue of arbitration shall be Bangalore, Karnataka.
Subject to arbitration, courts in Bangalore shall have exclusive jurisdiction.

17. Miscellaneous

If any provision is deemed unlawful or unenforceable, it shall be severed, and the remaining Terms shall remain in full force.
No delay or failure in exercising any right shall constitute a waiver.
These Terms constitute the entire agreement between You and Jodo regarding the Platform.

18. Contact Us

For support, complaints, or queries regarding these Terms:

📧 Email: support@jodopay.com

🌐 Website: https://collect.jodo.in