Terms of Use

These Terms and Conditions (“Terms”) govern your (“Merchant”, “you”, “your”) access to and use of the Platform (as defined below) and Services (as defined below), provided by Bharosepe Technology Services Private Limited, a company incorporated under the laws of India and having its registered office at #2012, 100 Ft Road, HAL 2 Stage Indiranagar Bengaluru Karnataka-560038 (“Jodo”, “we”, “us”, “our”, “Company”).

Please read these Terms carefully before accessing or using the Platform and Services. These Terms are incorporated by reference:

1. Our Privacy Policy, available at https://collect.jodo.in/privacy-policy/ (“Privacy Policy”); and
2. The terms and conditions of the Payment Partner (defined below), available at https://payu.in/online-pa-tncs/ (“Payment Partner Terms”).

Company, through its application and/or website (“Platform”), in partnership with various payment aggregators (“Payment Partners”), and subject to your acceptance of such Payment Partner Terms, facilitates your ability to accept recurring and one-off payments from your customers (“Customers”) through multiple payment instruments, including card payments, net-banking, wallets, setting up mandates, and enabling Autopay on Unified Payments Interface (“UPI”), without requiring you to implement a separate payment integration system (collectively, “Services”).

By accessing or using the Services, you acknowledge and agree to be bound by these Terms, thereby forming a binding contractual relationship between you and the Company. If you do not agree to be bound by these Terms, you must not access or use the Services.

By accepting these Terms, you also accept and agree that the Services provided through the Platform are neither a banking nor financial service, but that the Company is merely a technology facilitator enabling online payment for services rendered/ products delivered by you to the Customers through the Platform, in partnership with Payment Partners, using existing authorized banking infrastructure and payment gateway networks.

By providing such payment facility, the Company is neither acting as a trustee nor in a fiduciary capacity with respect to any Transaction (as defined below) that occurs via the Platform. At all times, the funds for Transactions will be debited directly from the Customer’s account and remitted to your account, in accordance with the Payment Partner Terms. By availing the Services, you understand that the Company is not involved in the settlement of any amounts due and payable to you from the Customers, including for any Transactions.

Your continued use of the Platform for the Services constitutes your acknowledgement that you have read, understood, and agreed to these Terms and our Privacy Policy, and that your access is conditional upon your irrevocable consent to and acceptance of all terms, conditions, and obligations contained herein (as may be amended from time to time).

A. GENERAL

These Terms are governed by the provisions of the applicable Indian laws, the rules, regulations, guidelines, and clarifications framed thereunder, including but not limited to:

1. The Indian Contract Act, 1872;
2. The Information Technology Act, 2000 (“IT Act”); and

B. ELECTRONIC RECORD

These Terms and your activity under these Terms are an electronic record as per the IT Act and these Terms, being electronically generated by a computer system, do not require any physical or digital signatures.

C. ELIGIBILITY

By using or accessing the Services you represent and warrant to the Company that you:

1. have the full legal capacity and authority to enter and be bound by these Terms and, where you are acting on behalf of a sole proprietorship, partnership, company, trust, or other legal entity, you are duly authorised to bind such entity;
2. If you are a natural person, you are at least eighteen (18) years of age;
3. are a resident of India or, in the case of a legal entity, are validly incorporated, registered, or otherwise duly established under the applicable laws of India and operating in compliance therewith; and
4. possess all requisite licenses, registrations, rights, powers, and authority necessary to enter and perform your obligations under these Terms.

If you accept or agree to these Terms on behalf of your personnel, representatives, or on behalf of an entity, organization, or any other legal person, you represent and warrant that: (i) you possess full legal authority and have obtained all necessary consents to bind such legal entity, personnel, or representatives to these Terms; and (ii) you have read and understood this Agreement and will ensure that such legal entity, personnel, and representatives accessing the Services have also read and understood these Terms. In such cases, references to “you” and “your” in these Terms shall include and apply to your personnel, representatives, and the legal entity accessing or using the Services.

D. ACCOUNT

To avail the Services, you will be required to create an account on the Platform by providing your phone number, which will be authenticated by way of a one-time password (OTP) (“Account”).

You agree to implement reasonable measures to secure access to:

1. any device associated with the email address or phone number linked to your Account; and
2. any device used to access the Platform or Services.

You are solely responsible for maintaining the confidentiality of your Account. You agree to immediately notify us of any disclosure or unauthorised use of your Account, or any other breach of security with respect to your Account. We reserve the right to disable any password or other unique access credential in our reasonable opinion if you are in breach of any provision of these Terms.

If you know or suspect that anyone other than you knows your password, you must immediately cease using such password, change it without delay, and promptly notify us in accordance with the Notice clause below.

You expressly agree and consent to be solely liable and accountable for all activities carried out through your Account. We shall, in no manner, be held liable for any unauthorized Transactions, refund requests, or dispute requests initiated through your Account due to unauthorized access, including but not limited to hacking or other security breaches. For these Terms, (“Transaction”) means any transaction whereby a payment is made by a Customer to the Merchant through a payment instrument, including but not limited to credit cards, debit cards, and UPI, for any goods or services of the Merchant.

E. ACCESS TO THE SERVICES

1. Access to Features: The features, functionalities, and fees applicable for each Service may differ, and each Service shall made available to you in partnership with the Payment Partners on an “as-is” basis. Notwithstanding anything to the contrary, we reserve the right to enable and/or disable certain Service features for you at our sole discretion.
2. The Merchant shall be granted access to a dashboard on the Platform, through which the Merchant may input the requisite details of the Customer, strictly with the express consent of the Customer. Upon such details being provided, Jodo, in partnership with its Payment Partners, shall generate a payment link, which may be shared by the Merchant with the Customer. This functionality shall enable the Merchant to create payment mandates based solely on the Customer’s consent, which shall be obtained exclusively by the Merchant. The Company shall have no responsibility or liability for verifying or obtaining such consent.
3. Refunds, cancellations, and Customer support: The Merchant shall maintain and implement a clear, lawful, and transparent refund and cancellation policy in respect of the services and/or products offered by the Merchant. Such policy shall be readily accessible to Customers and shall comply with all applicable laws and regulations. The Merchant shall be solely responsible for handling and resolving any complaints, disputes, queries, or claims raised by Customers in relation to the services and/or products supplied by the Merchant, including but not limited to those concerning quality, delivery, pricing, refunds, or cancellations. The Merchant shall provide timely and adequate customer support to address such matters, and the Company shall bear no responsibility or liability in this regard.
4. You acknowledge and agree that we may be required to modify, suspend, or restrict the Services to comply with applicable laws. As a result, you may be unable to access or use all or any part of the Services. We shall not be liable to you for any such inability to use the Services pursuant to our compliance with applicable laws.
5. Service Availability: The availability, uptime, and performance of the Platform, including any payment-related functionalities, are dependent in part on the availability and performance of the Company’s Payment Partners. You acknowledge and agree that the Company shall not be liable for any interruption, suspension, delay, or degradation of the Services resulting from: (a) downtime or unavailability of the systems, infrastructure, or services of any Payment Partner; (b) planned maintenance or upgrades of the Platform or the systems of the Company or its Payment Partners; (c) circumstances beyond the reasonable control of the Company, including but not limited to internet or telecommunications failures, acts of God, acts of government, natural disasters, strikes, labour disputes, or other force majeure events.

6. Payment Processing: The Company has partnered with a Payment Partner to facilitate payments via the Platform. The processing of such payments will be subject to the Payment Partner Terms in addition to these Terms. The Company shall not be liable for any act, omission, error, or delay attributable to the Payment Partner. In the event of any unsuccessful payment, the amount so debited shall be credited back to the source account strictly in accordance with the Payment Partner Terms. You agree that all amounts collected by the Payment Partner in respect of Transactions shall be settled with you strictly in accordance with the Payment Partner Terms, subject to deduction of any applicable processing fees or charges levied by the Payment Partner.

   While availing any of the payment method(s) available on the Platform, we shall not be responsible for or assume any liability whatsoever in respect of any loss or damage arising directly or indirectly to you due to:

   • lack of authorisation for any Transaction(s);
   • exceeding the preset limit mutually agreed by you and your bank;
   • any payment issues arising out of the Transaction; or
   • decline of the Transaction for any other reason(s).

7. Verification of Merchants and Compliance with Payment Partner Terms: You may be required to undertake certain verification processes with the Payment Partner to avail the Services. In this regard, the Payment Partner may require you to upload documents and information, including KYC documents (“Documents”) that may be necessary to ascertain your eligibility to avail the Services. You authorise the Payment Partner to process the Documents and ascertain your eligibility as per the Payment Partner Terms. You acknowledge and agree that such processing may be subject to additional terms of service if any third party engaged by the Payment Partner processes such information.

   We reserve the right to seek any additional information, data, or documentation, independently or on the instruction of the Payment Partner (collectively, “Additional Information”), that may be required to determine your eligibility to avail the Services or for your continued use of the Services. You agree to provide such Additional Information promptly upon request and further authorise us and/or the Payment Partner to process such Additional Information.

   You represent and warrant that all Documents and Additional Information provided by you are true, complete, and up-to-date. If the information provided is unreliable, fraudulent, or deficient in any respect, we and/or the Payment Partner reserve the right to refuse to provide the Services to you. If any deficiency in such information is discovered at a later stage, we may suspend your Account and the Payment Partner may, at its sole discretion:

   • settle all pending Transaction amounts with you, subject to applicable deductions;
   • return the pending Transaction amounts to the respective Customers; or
   • hold the pending Transaction amounts pending further investigation.
8. Audit Rights: The Merchant agrees that the Company and/or its Payment Partners shall have the right, upon reasonable notice, to audit, inspect, and examine the Merchant’s books, records, systems, and other documents, whether in physical or electronic form, relating to the Services or any Transactions. Such audits may be conducted to verify compliance with these Terms, applicable laws, and the requirements of the Company’s Payment Partners. The Merchant shall provide full cooperation, access, and assistance during any such audit and shall promptly rectify any deficiencies identified as a result thereof. If any audit reveals adverse findings, including but not limited to non-compliance with these Terms, applicable laws, or Payment Partner requirements, the Company and/or its Payment Partners may, at their sole discretion and without prior notice, suspend or terminate the Merchant’s access to the Services, in whole or in part.
9. Fees: The Company charges a fee, such as an annual subscription fee and a transaction fee, for provision of Services, which is updated on the Platform from time to time at Company’s sole discretion (“Fee”). The Company will raise a GST invoice for such Fee. The Company retains the right to revise the Fee from time to time in its sole discretion by updating the Fee on the Platform. Your use of the Services and Platform following any modification to the Fee shall be deemed to be your acceptance of such revised Fee. Such Fee is exclusive of applicable goods and services tax (“GST”), and is deducted and settled by the Payment Partner directly to the Company, at the time of Payment Partner’s settlement to the Merchant. All Fee shall be payable in Indian Rupees. The Fee charged by the Company is set out in Annexure A to these Terms.
10. In availing the Services, You, irrevocably and unconditionally confirm that: (i) Payment Partners may reject authorisation of Transactions placed by Customers for any reason including but not limited to risk management, suspicion of fraudulent, illegal transactions, selling of banned items, use of compromised cards, use of blacklisted/banned cards or pursuant to applicable laws or any instructions from (or contained in) any guidelines or instructions by or through RBI and/ or the Payment Partners; (ii) as a part of risk management activities, Payment Partners reserve the right to limit or restrict transaction size, amount and/or monthly volumes at any time in accordance with guidelines issued by RBI or any governmental authority and such limitations or restrictions may be imposed for, amongst others limits/restrictions on number of purchases which may be charged on an individual authorised card or net banking account during any time period, rejection of Customer charge from Customers with prior history of questionable charges and unusual monetary value of transactions; and (iii) as a security measure, Payment Partner may block any card number, account numbers, group of cards or transactions from any specific blocked or blacklisted Customer cards, accounts, groups of IP addresses, devices or geographic locations as Payment Partner may deem fit at its sole discretion including, without limitation, taking or imposing further risk mitigation measures.

F. REFUND AND CHARGEBACKS

1. Refunds: All payments with respect to refunds shall be solely your responsibility, and the Company shall not be liable for any claims, disputes, penalties, costs, or expenses which may arise in connection with such refunds to you or to the Customer. You agree to process returns of, and provide refunds and adjustments for Transactions, in accordance with the instructions issued by Payment Partners. Payment Partner shall not be liable to process any refund initiated in the event of insufficient funds. Merchant acknowledges that no refund in relation to a Transaction shall be processed by the Payment Partner after a period of 180 (one hundred and eighty) days from the date of the Transaction. In connection with enabling refunds, the Merchant shall (i) maintain a fair refund, cancellation or adjustment policy in accordance with its type/line of business; (b) disclose its refund/ cancellation policy to Customers at the time of undertaking the Transaction; (c) not accept cash or any other item of value for refund of a Transaction made through any payment mechanism. The Merchant must further ensure that any amount of refund/adjustment must include any associated taxes required to be refunded and cannot exceed the amount shown as the total on the original sale, except by the exact amount required to be reimbursed to the Customer for postage (if any) that the Customer has paid toward return of any product in connection with any Transaction.
2. Chargebacks: You shall be solely responsible for all chargebacks initiated by Customers or their issuing banks/card networks, including any associated fines, penalties, costs, or fees imposed by payment partners, card schemes, or financial institutions. The Company shall have no liability whatsoever in respect of any chargeback and shall be entitled to recover from you the full amount of any chargeback together with any associated costs incurred by the Company.
3. Pre-Funded Reserve Requirement: In the event of excessive chargebacks, refunds, Customer complaints, suspicious transactions, or any other ground that the Payment Partner deems fit in its sole discretion, the Merchant may be required to maintain a pre-funded reserve with the Payment Partner in such amount and manner as may be determined by the Payment Partner. Failure by the Merchant to maintain such pre-funded reserve may result in the Company denying the Services and/or the Payment Partner limiting Transactions, suspending or stopping any functionality, or denying any of its services to the Merchant, in whole or in part, at its discretion.

G. PROHIBITED ACTIVITIES

You shall not, directly or indirectly, engage in any of the following activities while accessing or using the Services:

1. Linking our Platform on any other website, application, or platform in any manner that:

   • portrays, suggests, or implies our endorsement, association, or approval of any person, product, or service, unless our prior written consent has been obtained;
   • is illegal or promotes unlawful activity; or
   • causes, whether intentionally or unintentionally, damage to or has the potential to harm our reputation or goodwill.
2. Using the Services for any purpose or in any manner that violates applicable laws, regulations, or third-party rights.
3. Engaging in fraudulent Transactions, misrepresentation, or identity theft.
4. Promoting or selling any products or services that are illegal, unsafe, counterfeit, infringing, or otherwise restricted under applicable laws or Payment Partner Terms.
5. Uploading or transmitting any viruses, malware, or harmful code.
6. Engaging in activities that disrupt, damage, interfere with, or impair the operation of the Platform or Payment Partner systems.
7. Using Services to conduct high-risk or unusual Transactions inconsistent with your business profile.
8. Attempting to bypass or circumvent security controls, authentication systems, or payment verification procedures.
9. Collecting, storing, or processing personal information of any individual in violation of applicable privacy laws.
10. Scraping, mining, or harvesting data from the Platform without our prior written consent.
11. Falsely implying any partnership, endorsement, or affiliation with us without prior written consent.
12. Using our trademarks, logos, or brand identifiers in an unauthorised manner.
13. Reverse engineering, decompiling, or otherwise attempting to extract the source code of the Platform.

H. DISCLAIMER

You acknowledge and agree that we do not, in any manner whatsoever, endorse you, your business, or the products or services offered by you. Your use of Services is at your sole risk and is provided on an “as is” and “as available” basis without any warranty or condition, express, implied or statutory.

To the fullest extent permitted by law, the Company makes no representation or warranty of any kind whatsoever for the content, materials, information and/or functions available through the Services, or for any breach of security associated with the transmission of information (including sensitive information) through the Platform.

Any reliance on the material or information made available through the Platform/Services is at your own risk. We do not warrant that the Services will be uninterrupted, timely, secure, or error-free, or that any errors will be corrected. We do not warrant that the results obtained from use of Services will be accurate or reliable.

To the fullest extent permitted by law, we expressly disclaim:

1. all warranties of merchantability, fitness for a particular purpose, title, and non-infringement with respect to the Services/Platform;
2. any liability for any loss of data, loss of business, loss of goodwill, or loss of profits, whether direct, indirect, incidental, or consequential, arising out of your use of or inability to use the Services;
3. any responsibility for the acts, omissions, errors, representations, warranties, breaches, or negligence of any third parties (including Payment Partners) or for any personal injury, death, property damage, or other damages or expenses resulting therefrom;
4. any responsibility for the quality, safety, legality, or fitness of any goods or services that you may buy, sell, or receive through the Services;
5. any assurance that the Platform, Services, or any associated systems, networks, or servers are free of viruses, malware, or other harmful components;
6. any responsibility for unauthorised access to or use of your Account, data, or information unless such access is solely and directly attributable to our gross negligence or willful misconduct;
7. any liability or responsibility for ensuring that your use of the Services, your business operations, and the goods or services you offer comply with all applicable laws, rules, regulations, and governmental orders, it being expressly agreed that you shall be solely responsible for obtaining all licenses, approvals, and permissions as may be required under applicable law;
8. any liability for any damages, interests, claims, or other consequences resulting from the non-processing or delay in processing of any Transaction, where such non-processing or delay is due to circumstances beyond the Company’s reasonable control; and
9. any liability for the delivery, non-delivery, quality, quantity, condition, or timeliness of any goods or services purchased by a Customer, it being clarified that such matters shall be governed solely by the independent contract or arrangement between you (as Merchant) and the Customer.

I. INDEMNITY

Merchant hereby agrees to indemnify, defend, and hold harmless the Company, its affiliates, directors, officers, employees, agents, and representatives (collectively, the “Indemnified Parties”) from and against all losses, liabilities, claims, demands, damages, costs, expenses (including reasonable legal fees and expenses), penalties, interest, and judgments, whether direct or indirect, arising out of or in connection with:

1. Any breach of these Terms, the Payment Partner Terms, or any applicable laws, rules, regulations, or governmental orders by you, your affiliates, employees, contractors, or agents.
2. Any claim relating to the goods or services offered, sold, or supplied by you, including without limitation, claims relating to quality, quantity, safety, legality, condition, description, delivery, or non-delivery thereof.
3. Any claim, penalty, or liability arising out of non-processing, delay in processing, or erroneous processing of any Transaction, except to the extent such non-processing, delay, or error is solely and directly attributable to the Company’s gross negligence or willful misconduct.
4. Any claim made by a Customer, Payment Partner, bank, governmental authority, or any other third party in relation to a Transaction, your use of the Services, or your business operations.
5. Any unauthorised access, breach of data security, or compromise of Customer information attributable to you, your systems, or any third party engaged by you.
6. Any claim that the goods, services, content, or materials provided or used by you infringe or misappropriate any intellectual property rights or other proprietary rights of a third party.
7. Any refunds or disputes for Transactions;
8. Any chargebacks (whether successful or not) and any related costs, penalties, or fees;

J. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, in no event shall the Company, its affiliates, directors, officers, employees, agents, or representatives be liable to you or to any third party for:

1. Indirect Losses: any indirect, incidental, special, consequential, exemplary, or punitive damages, including without limitation loss of profits, loss of revenue, loss of goodwill, loss of data, or business interruption, whether arising in contract, tort (including negligence), strict liability, or otherwise, even if advised of the possibility of such damages; and

2. Transaction related Losses: any loss, damage, interest, claim, cost, or expense arising out of or in connection with:

   • non-processing, delay in processing, or erroneous processing of any Transaction;
   • delivery, non-delivery, quality, condition, legality, or performance of any goods or services offered by you; or
   • any act or omission of the Payment Partner, bank, Customer, or any third party, except to the extent such loss is solely and directly caused by the Company’s gross negligence or willful misconduct.
3. Non-availability of the Services

Notwithstanding anything to the contrary contained herein, the Company’s maximum aggregate liability, whether in contract, tort (including negligence), strict liability, or otherwise, for all claims arising under or in connection with these Terms or the Services shall not exceed the Fee or INR 5,000 (Indian Rupees Five Thousand only), whichever is lower.

K. INTELLECTUAL PROPERTY

The Services, whether individually or as a collective work and/or compilation, and the Platform are protected by applicable copyright laws, international conventions, and other intellectual property laws of the territory in which the Services are provided. All rights, title, and interest in and to the Services or the Platform, including but not limited to any software, code, design, text, graphics, logos, interfaces, and other materials, are and shall remain the exclusive property of the Company and/or its licensors.

As a Merchant with a registered Account on the Platform, you are granted a limited, non-exclusive, non-transferable, revocable right to use the Services strictly in accordance with these Terms. You shall not, without prior written consent from the Company:

1. modify, adapt, translate, reverse engineer, decompile, disassemble, or create derivative works from the Services;
2. publish, transmit, participate in the transfer or sale of, reproduce, distribute, perform, display, or otherwise exploit the Services, in whole or in part; or
3. remove, obscure, or alter any copyright, trademark, or other proprietary rights notices contained in or associated with the Services.

When you upload, submit, or post any content to the Platform, you grant the Company an irrevocable, perpetual, royalty-free, worldwide, non-exclusive, sublicensable licence to copy, display, transmit, review, reproduce, store, archive, and otherwise use such content for the purposes of providing and improving the Services.

L. SUSPENSION AND TERMINATION

Notwithstanding any other legal remedies available to us, we may, at our sole discretion, limit your access or activity (whether temporarily or indefinitely), suspend or terminate your Account, or refuse to provide you with access to the Platform and/or the Services, without any prior notice and without assigning any reasons whatsoever, including but not limited to, the occurrence of the following events:

1. breach of any obligations, covenants, representations, or warranties under these Terms;
2. failure to make payment for Transactions, repayment obligations, or engagement in any fraudulent or unlawful payment activity.

All rights and obligations of the parties that have accrued before the effective date of termination shall survive such termination.

Notwithstanding anything to the contrary contained herein, upon termination of your access to or use of the Platform and/or the Services:

1. all amounts or monies outstanding and payable by you to any Customer; and
2. all amounts receivable by the Merchant from any Customer,

shall continue to be payable in accordance with these Terms and/or the applicable Payment Partner Terms, as the case may be.

M. THIRD-PARTY SERVICES

The Services may incorporate, interoperate with, or otherwise make available services, content, documents, software, and/or information that are owned by, licensed to, or otherwise provided by a third party (“Third-Party Services”), and may also include links or access to such Third-Party Services. You acknowledge and agree that:

1. Third-Party Services are the sole responsibility of the third party that created, owns, or provides them;
2. The Company has no control over, and does not endorse, recommend, or make any representations or warranties in respect of such Third-Party Services; and
3. Use of any Third-Party Services is entirely at your own risk.

The Company expressly disclaims all warranties, representations, and liabilities, whether express, implied, or statutory, in connection with Third-Party Services, including without limitation, warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, reliability, security, or availability.

Your use of Third-Party Services shall be governed solely by the applicable terms and conditions, privacy policies, and other contractual provisions of the relevant third-party provider, and you are responsible for reviewing and complying with the same.

All intellectual property rights in and to the Third-Party Services (including without limitation, trademarks, service marks, logos, and copyrighted material) are the exclusive property of their respective owners. No rights in such intellectual property are granted to you by virtue of your access to or use of the Services.

The Company shall have no liability whatsoever for:

1. any loss, damage, claim, or expense suffered by you arising from or in connection with your use of or reliance on any Third-Party Services; or
2. any interruption, suspension, modification, withdrawal, or discontinuation of any Third-Party Services.

N. USE OF DATA

The Company may collect, use, process, and analyse information and data relating to your use of the Services for analytics, trend identification, statistical purposes, and to improve the effectiveness and efficiency of the Services and the Platform.

Such information and data may also be used to provide you with notifications, updates, alerts, promotional offers, and other communications relating to Transactions or the Services. All analytics, statistics, reports, and other derivative works created from such data, and all intellectual property rights therein, shall be the sole and exclusive property of the Company.

If you provide any feedback, suggestions, ideas, or recommendations (“Feedback”) regarding the Services or the Platform, you acknowledge and agree that:

1. such Feedback shall become the sole and exclusive property of the Company;
2. The Company shall have the unrestricted right to use, reproduce, disclose, modify, adapt, and exploit such Feedback without any obligation to compensate you; and
3. The Company may use such Feedback to enhance, develop, or improve the Services, the Platform, or the overall customer experience.

O. DATA PROTECTION

You are solely responsible for ensuring that your collection, storage, processing, and use of any personally identifiable information or personal financial information relating to a Customer or end-user of your products or services (collectively, “Personal Data”) is in strict compliance with:

1. all applicable laws and regulations;
2. your agreements with your card acquiring bank or payment partners;
3. your publicly disclosed privacy policy; and
4. any other applicable rules, codes, or standards.

Personal Data may be used solely for the purposes of processing the relevant Transaction and carrying out associated post-Transaction activities (including chargebacks), unless the Customer has provided their express, informed, and verifiable consent for any other specified use.

Without prejudice to the foregoing, you agree to:

1. provide clear, accurate, and complete disclosures to Customers/end-users regarding the collection, use, storage, and disclosure of Personal Data, including by maintaining and making available a current and accessible privacy policy;
2. implement and maintain appropriate administrative, technical, and physical safeguards to protect Personal Data from unauthorized access, use, or disclosure;
3. comply at all times with applicable privacy and data protection laws in respect of any collection, use, storage, or disclosure of Personal Data; and
4. immediately cease any collection, use, or disclosure of Personal Data upon a Customer/end-user’s withdrawal of consent, and promptly notify the Company of any such withdrawal where it impacts Personal Data previously shared with the Company.

Transmission and Storage Restrictions: You shall not transmit any Personal Data in connection with the Services or any Transaction unless such transmission is protected by strong encryption and security measures in line with industry best practices. You are expressly prohibited from storing any payment data of Customers, whether or not you are PCI-DSS compliant, unless expressly permitted under applicable law. Where such storage is permitted, you must ensure compliance with all applicable legal, regulatory, and industry standards at all times.

P. MISCELLANEOUS

1. Severability: If any provision of these Terms is held by a court or other competent authority to be unlawful or unenforceable, such provision shall be deemed severed to the extent necessary, and the remainder of these Terms shall remain valid and enforceable. If the unlawful or unenforceable portion can be made lawful by deletion or modification, it shall be so deleted or modified, unless doing so would defeat the clear intention of the provision, in which case the entire provision shall be deemed deleted.
2. Waiver: No failure or delay by the Company in exercising any right, power, or remedy under these Terms shall operate as a waiver thereof, nor shall any single or partial exercise of such right or remedy preclude any other or further exercise thereof or of any other right, power, or remedy. All rights and remedies provided herein are cumulative and in addition to those available at law, in equity, or under statute.
3. Assignment: You shall not assign, transfer, sublicense, or otherwise dispose of your rights, obligations, or covenants under these Terms without our prior written consent, which we may grant or withhold at our sole discretion. We may assign or transfer our rights and obligations under these Terms to any of our affiliates, subsidiaries, parent company, or any successor in interest to our business, without prior notice to you.
4. Force Majeure: We shall not be liable for any failure or delay in the performance of our obligations under these Terms due to any cause beyond our reasonable control, including but not limited to: the unavailability or breakdown of communication systems, network failures, cyber-attacks, sabotage, fire, flood, explosion, natural disasters, civil unrest, strikes or industrial disputes, riots, acts of war, governmental actions, or regulatory restrictions or unavailability of the Third-Party Services or services of the Payment Partners (“Force Majeure Event”). In such cases, we shall be entitled to a reasonable extension of time to perform our obligations, will make commercially reasonable efforts to notify you of the Force Majeure Event, and shall take reasonable steps to mitigate its impact.
5. Notices: All notices, requests, demands, and other non-routine communications to us under these Terms shall be sent to:
   collect@jodopay.com
6. Third-Party Rights: No person other than the parties to these Terms shall have any right to enforce any provision contained herein.

Q. GRIEVANCE REDRESSAL

We are committed to addressing all queries, concerns, and/or complaints that a Merchant may have with respect to the Platform and the Services provided thereon. For any such queries or complaints, you may contact us at collect@jodopay.com.

For any queries, complaints, or disputes relating to Transactions, associated payment methods, or other ancillary matters, you may contact the relevant Payment Partner directly at nodalofficer@payu.in.

If, in our reasonable opinion or in the opinion of the Payment Partner, your Account is associated with a significantly high volume of disputes, we and/or the Payment Partner reserve the right to:

1. suspend or restrict your access to the Platform or the Services; and/or
2. require you to maintain and implement a reserve or other security measures as may be solely determined by the Payment Partner.

R. GOVERNING LAW AND JURISDICTION

These Terms shall be governed by and construed in accordance with the laws of India and any dispute concerning these Terms shall be subject to the exclusive jurisdiction of courts at Bengaluru, India.

ANNEXURE A

FEE PAYMENT PLANS (UPDATED AS ON 30 JULY 2026)

• Transaction Fee = 1% of transaction amount + GST