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Terms & Conditions

Effective Date: January 1, 2023

Important: By using, downloading or installing any element of the Product (as defined in Section 1 below), you indicate that you have read, understood, and agree to be bound by these Eonepay Terms of Service (“Terms”). These Terms govern your use of the Product and form a legal contract (“Agreement”) between Eonepay LSP PVT. LTD including its corporate affiliates in your local jurisdiction as applicable (“Eonepay”, “we” or “us”), and you (“Customer” or “you”).

By electronically accepting these Terms or by establishing an Eonepay account or using the Product after the Effective Date of these Terms, you consent and agree to comply with these Terms. This Agreement includes and you are consenting to:

SaaS Agreement
Privacy Notice
Eonepay’s Billing Policy
Eonepay Electronic Disclosure and Consent Policy
Payment network rules, as applicable

When you agree to these Terms and accept this Agreement, you do so on behalf of yourself and any person that you entitle or authorize to use your Eonepay account (with you, each “User” of your Eonepay account).

If you are an individual using, downloading or installing any element of the Product on behalf of a another, whether a natural person (“Individual”) or legal non-natural person or entity (an “Organization”), then you are binding the Individual or Organization to these Terms and represent and warrant that you have full power and authority to do so.

Eonepay may modify these Terms from time to time as described in Section 22 (Modifications to Terms) below.

THESE TERMS CONTAIN A MANDATORY INDIVIDUAL ARBITRATION REQUIREMENT, A CLASS ACTION WAIVER, AND A JURY TRIAL WAIVER THAT REQUIRE THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES. DETAILS APPEAR BELOW IN SECTION 23 (Governing Law, Arbitration) .

Introduction.

Thank you for using the Eonepay Product. The “Product” means (i) our suite of services and features that help you run your small business, manage customer relationships, send invoices, accept payments, improve cash flow, create an online presence, and more, (ii) our related mobile applications and software (“Software”), (iii) any Updates (defined below) and (iv) Eonepay’s standard user documentation.

EONEPAY is an API Based Technology for supply chain management. Based on a SaaS model, it is a revolutionary platform for payment and Credit platform which offers a "One Stop Shop" for the cargo industry. It provides the freight shipping industry with an integrated solution that allows customers to efficiently manage their cash and working capital while enjoying the speed of the market-leading Eonepay payment solution.

Eonepay is a Digital platform for Railways freight, freight forwarders, custom house brokers, NVOCCs and 3PL, Industry specific with flexible short-term credit facilities depending on their billing cycle which deals with centralized control on all types of Logistic Vendors from vendor registration to Delivery.

Eonepay also introduces day-to-day management of your B2B integration environment to optimize supply chain operations and improve customer service solution overview. Since, today's supply chains are becoming more global and complex, and there is a requirement to collaborate and support customers. However, supply chain leaders struggle to onboard and connect with all their trading partners and keep pace with new trading partner demands.

Eonepay is joining as both a Buyer and a Suppliers Payment Agent, enabling corporate customers to solve both payables and receivables challenges by banishing painstaking manual reconciliation, and lengthy delays in allocating cash. Eonepay is an Account-to-account Track Business Payment Services operation, providing a new range of functionality for business customers.

Your Account.

You must be at least 18 years of age to use the Product. Use of the Product may require you to create an account and register your email address and a password (“Login Credentials”). To register an Eonepay account and/or enrol as a User, you will be required to provide us with information about yourself, including but not limited to your name, address, email address and other contact or identifying information, and about your Organization, as appropriate. You will also be required to have a digital KYC verification. You agree that you are above the age of 18 years and that the information you provide to us is provided voluntarily and that it is accurate and you will keep it up-to-date at all times.

Electronic Communications.

You consent to receive notifications from Eonepay electronically and agree that all notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing or be delivered in a particular manner. You agree that you have the ability to store such electronic communications such that they remain accessible to it in an unchanged form. You agree to keep your contact information current and confidential.

Security of User Login Credentials.

Users are solely responsible for maintaining the confidentiality of Login Credentials. To the extent allowed by law, you are solely responsible for any and all actions taken using your account, including all instructions, including but not limited to any payment instructions, electronic transfer instructions, or deposit instructions provided to Eonepay, our service providers, or Payment Providers, whether authorized or not. Each User agrees to keep User Login Credentials confidential and secure, and Users will not give or make Login Credentials available, directly or indirectly, to any unauthorized individual. You acknowledge and agree that if Users allow a person to gain access to Login Credentials, with or without permission, the User is authorizing that person to use the Product, and You will be responsible for all transactions, instructions, and actions that result from such access, even if they are unauthorized.

You acknowledge and agree that our security procedures are a commercially reasonable method of verifying your identity and instructions, providing security against unauthorized transactions, unauthorized actions, and fraud, and protecting your Eonepay account.

Purpose of Use of the Product.

The Product is designed to be used for business purposes. You represent and warrant that you are not using the Product for primarily personal, family, or household purposes. It is pertinent to mention here that the Product is a B2B (Business to Business) business model and provides its services to Businesses.

Third-Party Service Providers.

You grant to Eonepay and we reserve the right to use third parties to provide or facilitate the Product as described in Section 12e. Of this Agreement.

The Product.

1. 1. Use of the Product. Subject to these Terms, including Section 8 (Usage Plans, Subscription Fees and Beta Releases) below, you may access and use the Product during the applicable Subscription Term for your internal business purposes and for the benefit of your customers, business partners or other applicable individuals (“End Customers”), in accordance with our standard user documentation. This includes the right to download and use the Software on compatible devices that you own or control, to use the Product to send to End Customers bona fide invoices, estimates and quotes (“Invoices”), to create and display a website for your business, and to manage data regarding your End Customers, all as permitted under this Agreement and your Usage Plan. You may permit your employees and agents to use the Product on your behalf, but you agree that you remain responsible for these Users’ acts, omissions, and compliance with these Terms.
  2. Restrictions. Your rights to use the Product are non-exclusive, non-transferable and non-sub licensable. You will not (or permit anyone else to): (i) rent, lease, reproduce, modify, create derivative works of, distribute or transfer the Product; (ii) use the Product for the benefit of any third party or incorporate the Product into any other product or service; (iii) circumvent mechanisms in the Product intended to limit your use; (iv) reverse engineer, disassemble, decompile, or translate the Product or attempt to derive the source code of the Software or any non-public APIs; (v) publicly disseminate information regarding the performance of the Product; (vi) access the Product to build a competitive product or service; (vii) submit any viruses, worms or other harmful code to the Product or otherwise interfere with or cause harm to the Product; (viii) seek to access information or data of other Eonepay customers; (ix) use the Product to transmit spam or other unsolicited email; or (x) use the Product except as expressly permitted herein.
  3. Reviews. The reviews feature of the Product allows End Customers and other third parties to leave reviews and ratings of the Customer. While Eonepay may allow such third parties the opportunity to revise their reviews and ratings, Eonepay itself has no obligation to remove or revise a review or rating or to allow the Customer to do so.

Usage Plans, Subscription Fees and Beta Releases.

1. 1. Usage Plans. Eonepay offers various usage plans for the Product, as described at https://eonepay.in/pricing. Your permitted scope of use – such as features available and number of Invoices and users – depends on the usage plan you select. Your specific plan will be identified in the Order Terms (as defined below).
  2. Order Terms. The set term of your subscription to the Product (“Subscription Term”), usage plan and other order details will be identified in the terms presented when you register order or pay for the Product (“Order Terms”) and as further described in our Billing Policy. These Terms incorporate the Order Terms and any URLs and Eonepay policies they reference, including the Billing Policies. Depending on how you use the Product, the Order Terms may be presented by Eonepay(e.g., through our website), by a third-party application store or marketplace (“App Marketplace”), or through the Product itself.
    1. Subscription Term. The Product is provided on a subscription basis for a set term designated in the Order Terms (“Subscription Term”). Unless renewed, the Product will revert to limited (or no) functionality upon expiration of a Subscription Term.
  3. Renewals and Other Important Terms. Renewals, subscription upgrades and other important billing terms are governed by our Billing Policy. Please review these terms carefully, including sections related to auto-renewal of your Subscription Term or monthly/annual subscription payable before the due date.
  4. Fees. You must pay all fees and taxes to Eonepay , as specified in the Order Terms and further detailed in our Billing Policy. All fees are non-refundable except as expressly specified in Section 16b. (Termination or Suspension by Eonepay), Section 22 (Modifications to Terms), the Order Terms or our Billing Policy.
  5. Free Trials. If specified in the Order Terms, Eonepay may offer you free access to the Product during a limited Subscription Term (“Free Trial”). Important: Depending on the Order Terms, at the end of your Free Trial, you will be asked to subscribe to one of the plans for the Product. Your usage plan and the fees for the Subscription Term may be specified in the Order Terms when you begin the Free Trial or may be presented when the Free Trial ends. See the Billing Policy and Order Terms for further details.
  6. Beta Releases. As part of Eonepay’s effort to expand the functionality of the Product, certain features of the Product may be made available to customers on a “beta” basis (“Beta Releases”). If Customer chooses to use a Beta Release, Customer acknowledges that the Beta Release may not be complete or fully functional and may contain bugs, errors, omissions and other problems. Eonepay does not guarantee that future versions of a Beta Release will be made available under these Terms or otherwise.
  7. Eonepay UPI. If you register for or use Eonepay UPI, (whether or not you receive payments from End Customers through the Product), the additional terms in Section 13 apply.

Support and Updates.

Eonepay uses reasonable efforts to provide email, live chat and online self-help. All support is governed by Eonepay then-current support policies. Eonepay reserves the right, from time to time to update the Product (“Updates”) and/or make new applications, tools, features, or functionalities available through the Product, the use of which may be contingent upon your agreement to the additional terms and and/or service fees. All Updates are governed by these Terms unless we specify otherwise. In certain cases, we may require you to download Updates to continue to use the Product. Updates and other Product changes are made in our sole discretion; we have no liability to you for any such changes and do not guarantee that any changes will meet your needs. Eonepay reserves the right to discontinue the Service, or certain applications, tools, features or functionalities of the Service, for any reason at any time, in Eonepay’s sole discretion, without Eonepay incurring any liability to you.

Customer Data.

1. Eonepay’s Access to Customer Data. If you, any User, or End Customer submits, uploads, stores, shares, or otherwise processes your documents, information, data (“Customer Data”), you consent to Eonepay’s access and processing of your Customer Data in accordance with our Privacy Notice, this Agreement, the settings in your Eonepay account, or the features of the Product you elect to use. Eonepay reserves the right to remove or delete your Customer Data from the Product for any reason, including if your Customer Data violates this Agreement or applicable law, in Eonepay’s reasonable discretion, without incurring any liability to you. Except as otherwise provided in this Agreement, we do not claim ownership of your Customer Data. Furthermore, the Eonepay also has the discretion to delete the data after 3 months after discontinuation of service, including but not limited to the customer not paying the subscription fee.
2. Your Rights. As between Eonepay and Customer, Customer retains all of its rights to any Customer Data that Customer submits to the Product (including through Third-Party Services) or that End Customers provide to Customer through the Product.
3. Use of Customer Data. Customer grants Eonepay a worldwide, non-exclusive, royalty-free right to use, copy, store, transmit, distribute, publicly perform and display, create derivative works of and modify any Customer Data in order to provide the Product to Customer and otherwise to operate, improve and maintain the Product. This includes Eonepay’s distribution of Invoices containing Customer Data to the End Customers designated by Customer through the Product. Eonepay may use, disclose and retain Customer Data collected for you from End Customers only to provide the Product to Customer, comply with legal requirements, and exercise its rights under this Agreement and applicable law. Eonepay may use the services of subcontractors to provide the Product and permit them to exercise our rights to Customer Data. It is relevant to mention that the Data with Eonepay will be secure and the Customers will have their own login credentials.
4. Storage of Customer Data. Eonepay does not provide an archiving service. Eonepay agrees only that it will not intentionally delete Customer Data prior to termination or expiration of your Subscription Term. We expressly disclaim all other storage obligations to the extent permitted by applicable law. You are solely responsible for maintaining backups of Customer Data on your own systems. After the termination of the subscription, Eonepay will provide a backup of 3 months, subsequent to that the Customer data will automatically be deleted. Eonepay will keep all the Customer data in an encrypted format for the safety of the Customer data.
5. Compelled Disclosures. Eonepay may share Customer Data when we have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary and appropriate to: (i) satisfy any applicable law, subpoena, legal process or governmental request; (ii) enforce these Terms, including investigation of potential violations hereof; or (iii) protect against imminent harm to the Product or the rights, property or safety of Eonepay, its users or the public as required or permitted by applicable law.
6. Other Data Collection and Handling. You agree to Eonepay’s use, disclosure, and other handling of your account information (as described in Section 2), personal information in Customer Data and certain other information about your use of the Product in accordance with our Privacy Notice.

Your Responsibilities.

This Agreement incorporates the EONEPAY Privacy and Security Policy (“Privacy Policy”) which is available at: www.eonepay.in.

Customer represents, warrants and agrees that: (i) Customer’s use of the Product will comply with all applicable local, state, federal and international laws and regulations, including those relating to privacy, data security, export control and electronic commutations (“Laws”); (ii) Customer has obtained all necessary rights, releases and permissions to provide and allow the processing, use and disclosure of Customer Data by Eonepay under these Terms; (iii) neither the Customer Data nor its processing, use, or disclosure will violate any Laws, third-party rights (including intellectual property rights, rights of privacy or rights of publicity) or any applicable Customer privacy policy; and (iv) Customer will not use the Product in support of, or to further, any activities prohibited by any Laws (e.g., money laundering) or, even if not prohibited by law, for gambling, prostitution, alcohol, drug, pharmaceutical or healthcare businesses or services. When using the Service, Customer will have the option to provide certain personal or business contact information, including but not limited to, name, address, email address and telephone number (collectively, the 'Personal Data'). Customer will likely need to submit some Personal Data in order to submit transactions via the Portal. Customer agrees to:

Provide true, accurate, current, and complete Personal Data as prompted by the Service processes.
Maintain and promptly update the Personal Data to keep it accurate, current, and complete.
Maintain the security and confidentiality of any usernames, passwords and any other security or access information used by the Customer to access the Service.
Insert Personal Data only into fields clearly designated to hold personal data. Examples of such fields include Name, Phone Number, Address, etc. Eonepay will only monitor these fields as it relates to Personal Data rights and regulations. Eonepay will not monitor fields for compliance with data protection laws that are not clearly intended to contain Personal Data (for example, Cargo Description). Eonepay will disclose fields not clearly intended to contain Personal Data to third parties, such as to a Carrier, without identifying them as containing Personal Data. Such fields may also be further disclosed (including by publication or public display) to other third parties, such as in customs filings.
Refrain from impersonating any person or entity or misrepresent Customer's identity or affiliation with any person or entity, including using another person's Personal Data.
Immediately notify EONEPAY in writing if Customer becomes aware of any loss, theft or use by any other person or entity of any of its Personal Data in connection with the Service or any other breach of security that the Customer becomes aware of involving or relating to the Service.
Without limiting the foregoing, with respect to Product features that allow Customer to send electronic communications (“Third-Party Communications”), Customer represents, warrants and agrees that: (i) it will obtain the prior opt-in consent from each recipient of such communications where legally required, (ii) it will include an unsubscribe mechanism and will promptly honour such opt-out requests where legally required, and (iii) it will not use the Product for spam or any other abusive or annoying communication. You acknowledge that you are solely responsible for the content of such Third-Party Communications and agree to indemnify, defend, and hold us harmless from and against all claims, losses, expenses, damages, and costs (including attorney’s fees and costs) arising out of such Third-Party Communications.

Prohibited Uses. Except in the specific fields designated by Eonepay, Customer agrees not to submit to the Product any PAN numbers, bank account numbers or credit or debit card numbers. In addition, Customer agrees not to include in any Invoices or otherwise submit to the Product any of the following: (i) patient, medical or other protected health information regulated by any applicable laws, rules or regulations, including the including personal data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric data, or data concerning an individual’s sex life or sexual orientation (iii) Aadhar Card numbers or similar; (iii) driver’s license numbers or governmental identification card numbers; (iv) other information subject to regulation or protection under specific; or (v) any data similar to the above protected under foreign or domestic laws (collectively, “Prohibited Data”). Customer further agrees not to use the Product for activities where use or failure of the Product could lead to death, personal injury or environmental damage, including life support systems, emergency services, nuclear facilities, autonomous vehicles or air traffic control (“High Risk Activities”). Customer acknowledges that the Product is not intended to meet any legal obligations for Prohibited Data or High Risk Activities, and that Eonepay is not a Business Associate. Notwithstanding anything else in these Terms, Customer acknowledges that Eonepay has no liability for Prohibited Data or use of the Product for High Risk Activities. Eonepay does not allow its services to be used to promote hate, violence, or other forms of intolerance that are discriminatory.
Responsibility for Customer Data. Eonepay takes no responsibility and assumes no liability for any Customer Data, and Customer is solely responsible for Customer Data and the consequences of its use even though Eonepay assures that the customer data will be kept in an encrypted format.
Customer Indemnity. Customer will indemnify, defend (at Eonepay’s request) and hold harmless Eonepay and its affiliates and their respective employees, agents, officers, directors and other customers (collectively, the “ Eonepay Parties”) from and against any and all claims, costs, damages, losses, liabilities and expenses (including reasonable attorneys’ fees) arising out of or in connection with (i) any Customer Data, (ii) Customer’s negligence, misconduct or breach or alleged breach of these Terms, or (iii) any Customer business, service, product or offering used in connection with the Product and (iv) Customer’s relationships or disputes with any third parties in connection with such business, service, product or offering, including End Customers, Payment Partners, or Capital or Lending Partners. Customer may not settle or compromise any matter subject to this paragraph without the prior written consent of Eonepay, which it may withhold in its sole discretion. Eonepay, along with any affected Eonepay Party, may appoint their own counsel and participate in and control the defence, compromise and settlement of any such matter, even where Eonepay has invoked its right to defence under this paragraph.
Third-Party Services. Third-Party Services are not considered part of the Product. “Third-Party Service” means any platform, add-on, service or product that you elect to use, integrate or enable for use with or through the Product, including but not limited to accounting software, Payment Partners and Capital or Lending Partners (as defined below). Use of Third-Party Services is subject to your agreement with the relevant provider and not these Terms, except that these Terms require you to comply with your agreement with the relevant provider. Eonepay does not control and has no liability for Third-Party Services, including their security, functionality, operation, availability or interoperability or how the Third-Party Services or their providers use Customer Data. If you choose to enable a Third-Party Service with the Product, Eonepay may access and exchange Customer Data with the Third-Party Service, including as further described in these Terms (See Section 13 (Eonepay UPI) and Section 14 (Third Party Capital and Lending Partners)).

Eonepay, Banking, Debit Card, Bank Transfers, and Card Payments.

1. General. Certain Third-Party Services may be used with the Product to allow you to receive payments from your End Customers for Invoices you generate through the Product or to use other financial services (“ Eonepay UPI”) or other Payment Gateways. The payments are processed and financial services are provided through Payment Partners. If you use Eonepay UPI such as – eonepay@hdfcbank, Eonepay may share certain and reasonable Customer Data and other information about you, your business, or your Customers with the Payment Partners and related integration partners, as described in our Privacy Policy, and Eonepay may further handle the information as Customer Data under these Terms and our Privacy Notice. For clarity, your relationship with any Payment Partner (including their use of your information) is governed by your separate agreement or terms with the Payment Partner, not by these Terms.
2. Your Responsibilities. Any purchase or payment is solely between you and the End Customer; the Eonepay Parties are not party to your transactions and assume no liability or responsibility for your products, services or offerings. The Eonepay Parties are not your bank, agent, or trustee or otherwise involved in the flow of funds or payments. Any payment dispute must be resolved between you and the End Customer.
3. Eonepay Banking Services. Eonepay partners with third-party Units to provide eligible Customers with including but not limited to payment gateways, bank transfers, and the ability to establish a wallet account with the Bank (“Bank Wallet Account”) to store funds through Debit Cards, UPI, Credit Cards etc. Bank Wallet Accounts provide Customers with certain features and functionality, including but not limited to, withdrawing funds using a debit card and transferring funds out of the Bank Account, collectively (“Banking Services”).

To establish an account with the Bank to enable banking services, you will need to enter into certain additional agreements with the Bank (“Banking Agreements”). These Banking Agreements will be provided to you by the Bank should you choose to open a Bank Wallet Account. The Banking Agreements will be between you and the Bank. In the event of any inconsistency between these Terms and the Banking Agreements, these Terms will govern the relationship between you and Eonepay, and the Banking Agreements will govern the relationship between you and the Bank.

If you establish a Bank Account under the Bank’s wallet Account Agreement, Eonepay will be responsible for the following, which are subject to these Terms and Eonepay’s Privacy Policy : (i) providing the interface for the Bank Account and related functionality within the Eonepay app and website, subject to the proper functioning of the Bank’s interconnected systems, (ii) placing certain disclaimers and disclosures related to the Bank Account and Bank Account-powered transactions in the Eonepay app and website, (iii) administering your login access to the Bank Account through the Eonepay app and website, and (iv) providing first-line customer support for certain matters, subject to the Bank’s cooperation and authority to override Eonepay’s support decisions.

1. 1. Chargeback Fees: For every Chargeback, you will be charged a non-refundable fee. Card Payment Fees charged for executing the original Card Payment will not be refunded in part or in whole to you if the Card Payment is made subject to a Chargeback or refund.
  2. Wallet Card Payment Fees: Eonepay charges you Wallet Card Payment Fees for each Wallet Card Subscription payment you make through the Eonepay Bank Wallet. As a service to our Customers, we offer a feature that allows you to add Wallet Card Payment Fees to the invoices that you send to your End Customers. If you elect to turn on this feature, you must first accept the associated terms, which will be presented to you within the Product. By accepting those terms and turning on this feature, you will be able to include Card Payment Fees on the invoices that you send to your End Customers through the Product. You are solely and completely responsible for complying with any and all laws related to passing these Card Payment Fees to your customers. By allowing you to turn on this feature, Eonepay is not making any determination, recommendation, or judgment whatsoever about whether it is legal for you to pass Card Payment Fees to your customers. Eonepay will not be liable or responsible in any way for your compliance with applicable laws, and you will be solely liable for any and all penalties, fees, or other consequences of violating any applicable laws by turning on this feature.

1. Disputes. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE EONEPAY PARTIES MAKE NO WARRANTY AND ASSUME NO RESPONSIBILITY OR LIABILITY FOR ANY DISPUTES, CHARGEBACKS, OVERCHARGES, DELAYED PAYMENTS, INSUFFICIENT FUNDS, EXPIRED CARDS, CIRCUMSTANCES BEYOND OUR CONTROL (INCLUDING WITHOUT LIMITATION POWER OUTAGES, SERVICE INTERRUPTIONS OR OTHERWISE), OR OTHER ISSUES RELATING TO TRANSACTIONS MADE THROUGH OTHER SERVICES OFFERED BY THE RELEVANT THIRD-PARTY SERVICES.

Disputes can arise from both authorized and unauthorized transactions. Eonepay is not responsible for or liable to you for authorized and completed charges or payments that are later the subject of a Chargeback, dispute, refund, or reversal, which are submitted without authorization or in error, or violate any laws.

You are immediately responsible to us for all Chargebacks, disputes, refunds, reversals, or returns regardless of the reason, timing, or method of payment. In many but not all cases, you may have the ability to challenge a Chargeback or dispute by submitting evidence to us. We may request additional information to provide to Third-Party Services to assist you in contesting the Chargeback or dispute, but we cannot guarantee that your challenge will be successful. You agree to provide any documents that Eonepay requests regarding challenging a Chargeback within the timeframe requested by Eonepay. Third-Party Services may deny your challenge for any reason they deem appropriate. Where a challenge is entirely or partially successful, a Third-Party Service may credit funds associated with the Charge that is the subject of the Dispute (or a portion thereof) to your appropriate account.

Third Party Capital and Lending Partners.

Eonepay has relationships with certain Third-Party Service Providers (“Capital or Lending Partners”) that may provide Customers (and their End Customers, as permitted) with offers for data, working capital, loans, lines of credit, merchant cash advances, invoice factoring or the like (“Capital or Loans”). These offers may be presented through the Product or separately, and unless you opt-out, Eonepay may share certain information about you with the Capital or Lending Partners, as described in our Privacy Notice. Any Capital or Loans will be provided by the Capital or Lending Partners, subject to a separate agreement or terms between you and them. Eonepay is not a lender or broker and does not provide Capital or Loans or make credit decisions. WITHOUT LIMITING SECTION 17 (DISCLAIMER OF WARRANTIES) OR SECTION 18 (LIMITATION OF LIABILITIES) BELOW, EONEPAY HAS NO LIABILITY FOR THE CAPITAL OR LENDING PARTNERS, THEIR ACTS OR OMISSIONS, OR ANY CAPITAL OR CREDIT LINE FOR INVOICE FINANCE S (OR CREDIT DECISIONS) OF THE CAPITAL OR LENDING PARTNERS.

Ownership.

Eonepay and its licensors retain all right, title, and interest (including all intellectual property rights) in and to the Product and any and all related and underlying technology and documentation. Customer is obtaining only a limited usage right to the Product, regardless of use of words like “purchase”, “sale” or similar terms. If Customer submits any comments, suggestions or other feedback regarding the Product, Eonepay may freely exploit it (including as part of the Product) without restriction on account of intellectual property rights or otherwise.

Termination and Suspension.

These Terms will continue until terminated.

1. 1. Termination by Customer. You may terminate these Terms at any time by ceasing all use of the Product and deleting any Software and then emailing a clear notice of termination to legal@eonepay.in, which must be sent from the email address you previously have provided to us, if any.
  2. Termination or Suspension by Eonepay. Eonepay may terminate or suspend these Terms if Customer fails to cure any material breach within fifteen (15) days after written notice, except that Eonepay may terminate or suspend these Terms immediately, in our sole discretion, as a result of Customer’s breach of the express obligations under Sections 7b. (Restrictions), 12 (Your Responsibilities) or 13 (Eonepay UPI) or to prevent harm to the Product or other customers. In addition, for Free Trials and Beta Releases, Eonepay may terminate or suspend these Terms at any time for any or no reason. Further, if Eonepay ceases to offer the Product, or if Eonepay’s right or ability to offer the Product is restricted, suspended or terminated (whether pursuant to Laws or by App Marketplaces or other third parties), Eonepay may immediately terminate or suspend these Terms and you will receive a prorated refund of any fees paid for the unused portion of your Subscription Term.
  3. Effect of Termination. Upon termination of these Terms, your right to the Product will automatically terminate and you must cease using the Product and delete any Software. Following termination, you will have no further access to any Customer Data in the Product and Eonepay may delete all Customer Data in its possession along with any Instant Website or other material at any time unless prohibited by applicable law. You will delete all Confidential Information (or return it to Eonepay) upon any termination of these Terms or request by Eonepay. The following will survive termination: Section 7b (Restrictions), Sections 11f (Aggregate/Anonymous Data) through 11h (Other Data Collection and Handling), Section 12 (Your Responsibilities), the disclaimers in Sections 13 (Eonepay IndusInd Bank wallet account) and 14 (Third Party Capital and Lending Partners), and Sections 15 (Ownership) through 24 (General Terms) and Section 18 (Limitation of Liabilities) and Section 21 (Confidential Information) and Section 23 (Governing Law, Arbitration, and Class Action/Jury Trial Waiver). The effect of termination of these Terms on your relationship with Third-Party Services is a matter to be resolved between you and the Third-Party Services, but in any case, you will no longer have access to the Product.

Disclaimer of Warranties.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PRODUCT IS PROVIDED “AS IS” AND THE EONEPAY PARTIES AND THEIR LICENSORS EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND, INCLUDING ANY WARRANTY OF NON-INFRINGEMENT, TITLE, FITNESS FOR A PARTICULAR PURPOSE, FUNCTIONALITY OR MERCHANTABILITY, WHETHER EXPRESS, IMPLIED OR STATUTORY.

THE PRODUCT IS NOT INTENDED TO PROVIDE PROFESSIONAL ACCOUNTING, TAX OR OTHER ADVICE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: (A) THE EONEPAY PARTIES EXPRESSLY DISCLAIM ANY WARRANTY THAT USE OF THE PRODUCT WILL ENSURE YOUR COMPLIANCE WITH ANY ACCOUNTING STANDARDS OR LEGAL OR REGULATORY OBLIGATIONS OR THAT THE RESULTS OF THE PRODUCT WILL BE ACCURATE OR SUFFICIENT FOR YOUR PURPOSES, (B) THERE IS NO WARRANTY THAT THE PRODUCT WILL BE ERROR FREE, THAT ACCESS WILL BE CONTINUOUS OR UNINTERRUPTED, THAT ANY INFORMATION PROVIDED OR USED WITH THE PRODUCT WILL BE SECURE, ACCURATE, COMPLETE OR TIMELY, OR THAT ANY CUSTOMER DATA WILL BE PRESERVED OR MAINTAINED WITHOUT LOSS, AND (C) THE EONEPAYPARTIES SHALL NOT BE LIABLE FOR ANY PRODUCT FAILURES OR OTHER PROBLEMS INHERENT IN USE OF THE INTERNET AND ELECTRONIC COMMUNICATIONS OR OTHER SYSTEMS OUTSIDE THE REASONABLE CONTROL OF EONEPAY. YOU MAY HAVE OTHER STATUTORY RIGHTS; HOWEVER, THE DURATION OF STATUTORILY REQUIRED WARRANTIES, IF ANY, WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Limitation of Liabilities.

1. 1. Consequential Damages Waiver and Liability Cap. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE EONEPAY PARTIES OR THEIR LICENSORS BE LIABLE TO YOU OR TO ANY THIRD PARTY (I) FOR ANY LOST PROFITS, LOSS OF USE, LOST DATA, INTERRUPTION OF BUSINESS, FAILURE OF SECURITY MECHANISMS OR ANY SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES OF ANY KIND, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES OR (II) IN ANY EVENT, FOR AMOUNTS EXCEEDING THE GREATER OF (A) THE AMOUNT PAID OR PAYABLE BY CUSTOMER TO EONEPAYIN THE PRIOR SIX (6) MONTH PERIOD OR (B) ONE HUNDRED DOLLARS (US$100).
  2. Nature of Limitations. Customer acknowledges that the foregoing limitations are an essential element of these Terms and a reasonable allocation of risk between the parties, and that in the absence of such limitations the pricing and other provisions in these Terms would be substantially different. The waivers and limitations in this Section 18 apply regardless of the form of action, whether in contract, tort (including negligence), strict liability or otherwise and will survive and apply even if any limited remedy in this Agreement fails of its essential purpose.
  3. In addition to and without limiting the scope of the "Limits on liability" section in our Terms, you agree that we are not responsible for the actions, services, content or data of third parties and you release us, our directors, officers, employees and agents from any claims and damages, known or unknown, arising out of or in any way connected with any claim that you have against any such third parties.

Operated from the INDIA.

The Product is controlled and operated from facilities in the INDIA and other locations and may involve transmission of data or utilization of third-party services globally. Eonepay makes no representations that the Product is appropriate or available for use outside INDIA. Those who access or use the Product from other jurisdictions do so at their own volition and all users are entirely responsible for compliance with all Laws

Consumer Law.

Notwithstanding any other provision of these Terms, If Customer is a Consumer (as defined in Schedule 2 of the Competition and Consumer Act 2010 (Cth) and the corresponding provisions of the INDIA Consumer Law/The Consumer Protection Act (“INDIAN Consumer Law”)):

Sections 17 (Disclaimer of Warranties) and 18 (Limitation of Liabilities) do not apply to any liability of Eonepay to comply with an applicable consumer guarantee under the INDIAN Consumer Law.
Subject to subpart (3) below, the liability of Eonepay for any liability, loss, cost or damage, however caused (including by the negligence of Eonepay), suffered or incurred by Customer because of a failure to comply with a consumer guarantee is limited to Eonepay (at its election):
1. resupplying the services; or
2. paying the cost of having the services supplied again;
Subpart (2) applies to the extent that it is fair or reasonable for Eonepay to do so under the INDIAN Consumer Law. It poses no obligation or guarantee on Eonepay to do the same.

Confidential Information.

In connection with access to the Product, Customer may receive access to confidential or proprietary information of Eonepay (“Confidential Information”). Confidential Information includes the Software, all non-public elements of the Product and any performance information regarding the Product. Confidential Information excludes information that Customer already lawfully knew or that becomes public through no fault of Customer. Customer will (a) use a reasonable degree of care to protect all Confidential Information, (b) not use Confidential Information except in support of its authorized use of the Product and (c) not disclose Confidential Information except to employees and agents with a legitimate need to know and who have agreed in writing to keep it confidential. Customer may also disclose Confidential Information to the extent required by law after reasonable notice to Eonepay and cooperation to obtain confidential treatment. Unauthorized disclosure of Confidential Information may cause harm not compensable by damages, and Eonepay may seek injunctive or equitable relief in a court of competent jurisdiction, without posting a bond, to protect its Confidential Information.

Modifications to Terms.

Eonepay may modify these Terms (including Product pricing and plans) from time to time, with notice given to you by email or through the Product. If you have a Free Trial or are using Beta Releases, then any modifications will become effective immediately, and if you disagree with the modifications, your exclusive remedy is to terminate these Terms. You must notify Eonepay within fifteen (15) days of notice of the modifications that you do not agree to such changes (or thirty (30) days with respect to changes to Section 23), and Eonepay (at its option and as your exclusive remedy) may either: (i) permit you to continue under the prior version of these Terms until your next subscription expiration or renewal date (after which the modified Terms will apply) or (ii) allow you to terminate these Terms and receive a prorated refund of any fees paid to Eonepay for the unused portion of Eonepay fees for your Subscription Term, not including any fees for Third-Party Services, for which the effect of termination is between you and such Third Party Services. Upon any changes to these Terms, you may be required to click to agree to the modified Terms in order to continue using the Product, and in any event your failure to terminate the Terms pursuant to Section 16a. before the modifications take effect constitutes your acceptance of the modifications. As an exception to these rules regarding changes to these Terms, (x) if we make changes to the Billing Policy, the version of the Billing Policy in effect at the time of your most recent purchase (or renewal) shall apply to that usage plan, and (y) any changes to our Privacy Notice will automatically become effective upon posting as described in the Privacy Notice.

Governing Law, Arbitration, and Class Action/Jury Trial Waiver

1. Governing Law. These Terms will be construed in accordance with the laws of the State of New Delhi, India without reference to its choice of law The State courts located in the New Delhi, will be the exclusive venue for any claim or dispute between the parties and the parties hereby consent to the personal jurisdiction of those courts for such purposes, unless you and Eonepay agree otherwise. The prevailing party in any dispute under these Terms will be entitled to its own costs of filing, administrative, arbitrator and reasonable attorneys’ fees.

1. Arbitration. You and Eonepay and its affiliates agree In case of any dispute, the parties involved shall make all reasonable efforts to resolve the dispute through amicable discussion within 60 days. If Parties are unsuccessful to resolve the dispute amicably, then such dispute or claim arising out of or in connection with the Terms or any Program-specific terms shared with you, including any question regarding its existence, validity or termination, shall be referred to arbitration under the Arbitration and Conciliation Act, 1996, as amended (“Act”) before a sole arbitrator to be appointed by Atharva Legal LLP. The proceedings shall be conducted in English and the seat for arbitration shall be New Delhi.
2. This Section 23 is intended to be interpreted broadly and governs any and all disputes between us including but not limited to claims arising out of or relating to any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory; claims that arose before these Terms or any prior agreement (including, but not limited to, claims related to advertising); and claims that may arise after the termination of these Terms (collectively, “Claims”). The only disputes excluded from this broad prohibition are the litigation of certain claims regarding intellectual property rights and small court claims, as provided below.

For any dispute with Eonepay or its affiliates, you agree to first contact us at care@eonepay.in and legal@eonepay.in and attempt to resolve the dispute with us amicably. With the exception of claims regarding intellectual property rights, the parties agree to use their best efforts to settle any dispute, claim, question, or disagreement directly through consultation, and a reasonable attempt to conduct good-faith negotiations shall be a condition to either party initiating a lawsuit or arbitration.

In the unlikely event that Eonepay and its affiliates have not been able to resolve a dispute with you after sixty (60) days, we each agree to resolve any Claims by binding arbitration by a sole Arbitrator appointed by ATHARVA Legal LLP, under the Streamlined Arbitration Rules and Procedures, excluding any rules or procedures governing or permitting class or representative actions.

The Arbitration will be conducted in New Delhi and the Seat and Venue of the Arbitration will be New Delhi, unless you and Eonepay agree otherwise, and (ii) each party will be responsible for paying ATHARVA Legal LLP the costs and fees for filing, administrative and arbitrator fees in accordance with ATHARVA Legal LLP’s rules, and (iii) each party will also be responsible for their own attorneys’ fees.

Except as set forth in Section 23, the arbitrator, and not any federal, state or local court or agency, shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability or formation of these Terms, including, but not limited to any claim that all or any part of these Terms are void or voidable, whether a claim is subject to arbitration, and any dispute regarding the payment of ATHARVA Legal LLP, administrative or arbitrator fees (including the timing of such payments and remedies for non-payment). The arbitrator shall be empowered to grant whatever relief would be available in a court under law or in equity. The parties agree that the arbitrator may allow the filing of dispositive motions if they are likely to efficiently resolve or narrow issues in dispute. The arbitrator’s award shall be written, and binding on the parties and may be entered as a judgment in any court of competent jurisdiction. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration.

Any arbitration demand or counterclaim asserted by either party must contain sufficient information to provide fair notice to the other party of the asserting party’s identity, the claims being asserted, and the factual allegations on which they are based. The arbitrator and/or ATHARVA may require amendment of any demand or counterclaim that does not satisfy these requirements. The arbitrator has the right to impose sanctions in accordance with ATHARVA Rule 24 for any claims the arbitrator determines to be frivolous or improper (under the standard set forth Rule of Civil Procedure ).

The parties agree that ATHARVA has discretion to modify the amount or timing of any administrative or arbitration fees due under ATHARVA’ Rules where it deems appropriate, provided that such modification does not increase the costs to you, and you waive any objection to such fee modification. The parties also agree that a good-faith challenge by either party to the fees imposed by ATHARVA does not constitute a default, waiver, or breach of this Section 23 while such challenge remains pending before ATHARVA, the arbitrator, and/or a court of competent jurisdiction.

The parties understand that, absent this mandatory provision, they would have the right to sue in court. They further understand that, in some instances, the costs of arbitration could exceed the costs of litigation and the right to discovery may be more limited in arbitration than in court.

Notwithstanding the parties’ decision to resolve all disputes through arbitration, either party may bring an action in state or federal court to protect its intellectual property rights (“intellectual property rights” means patents, copyrights, moral rights, trademarks, and trade secrets, but not privacy or publicity rights).

30-Day Right to Opt Out. Subject to the rest of this paragraph, you have the right to opt-out and not be bound by the arbitration and class action waiver provisions set forth above by sending written notice of your decision to opt-out to the following address: Eonepay, Email: legal@eonepay.in. The notice must be sent within 30 days of the effective date of these Terms or your first use of the Product, whichever is later, otherwise you shall be bound to arbitrate disputes in accordance with the terms of those paragraphs. If you opt out of these arbitration provisions, Eonepay also will not be bound by them.

General.

1. Contract Mechanism and Interpretation. These Terms constitute the entire agreement between you and Eonepay and any of its affiliates related to the Product and supersede any prior or contemporaneous agreements relating to the Product. If any provision of these Terms is held unenforceable, that provision will be enforced to the extent permissible by law and the remaining provisions will remain in full force. No provision of these Terms will be deemed waived unless the waiver is in writing and signed by Eonepay. Except as set forth in Section 22 (Modifications to Terms), all amendments to these Terms must be in writing and signed by both parties. In these Terms headings are for convenience only and “including” and similar terms will be construed without limitation.
2. Assignment; Eonepay Affiliates. You may not assign or transfer these Terms or any rights hereunder, and any attempted assignment or transfer in violation of the foregoing will be void. Eonepay may freely assign or transfer its rights or obligations hereunder at its sole discretion. These Terms will bind and inure to the benefit of each party’s permitted successors and assigns. Eonepay may permit its corporate affiliates (including Eonepay,) and its agents and contractors to exercise its rights and perform its obligations under these Terms. Without limiting the foregoing, all limitations of liability and disclaimers in these Terms, including Section 17 (Disclaimer of Warranties) and 18 (Limitation of Liabilities), also extend to Eonepay’s corporate affiliates.
3. Eonepay Contact Information. If you have any questions, complaints or claims regarding the Product, please contact:

Eonepay LSP PVT. LTD at Email: legal@eonepay.in

1. Notices to You. We may send notices to your email on file or through the Product. All notices are effective upon delivery.
2. Publicity. Eonepay may use Customer’s name, logo and marks on Eonepay’s customer lists and marketing materials.
3. Open Source Software. The Product may contain or be provided with components licensed under “open source” software licenses (“OSS”). and may update the list from time to time as our usage of OSS changes. To the extent required by the applicable OSS license, the terms of such licenses will apply in lieu of the terms of these Terms with respect to such OSS.
4. Government Users. The Product includes commercial computer software and commercial computer software documentation. If the user or licensee of the Product is an agency, department, or other entity of the INDIAN Government, the use, duplication, reproduction, release, modification, disclosure, or transfer of the Product or any related documentation of any kind, including technical data and manuals, is restricted by a license agreement or by these Terms in accordance with The Product was developed fully at private expense. All other use is prohibited.
5. Force Majeure. Eonepay and its affiliates and their respective employees, agents, officers, and directors will not be liable to Customer in any way whatsoever for any failure or delay in performance of any of its obligations under these terms arising out of any event or circumstance beyond the reasonable control of Eonepay, including a strike, blockade, pandemic, war, act of terrorism, riot, Internet or utility failures, refusal of government license or natural disaster or any other event not within EONEPAY 's reasonable control. EONEPAY shall not be responsible for damage or other problems caused by any unauthorised change to these Terms made by way of hacking or cracking this page/Portal.

Electronic Disclosure and Consent

In this agreement, "we," "us," and "our" mean Eonepay LSP PVT. LTD. "You" and "your" refer to the business entity applying for a Subscription account (“Account”). "Communications" means any disclosures, notices, agreements, fee schedules, privacy policies, statements, records, documents, and other information we provide to you, or that you sign and submit or agree to at our request, that relate to your Subscription Account Agreement (“ Account Agreement”).

By accepting this agreement, you agree that you are willing and able to receive Communications in electronic form, and consent to receive Communications in electronic form. If you do not give your consent to receive Communications in electronic and not paper form, you may not open an Account. If you withdraw your consent to electronic Communications at any point after providing consent hereunder, we reserve the right to terminate your Account.

Delivery Methods

We will deliver Communications to you electronically, either through the Eonepay website, https://www.eonepay.in ("Website"); the Eonepay mobile app ( App"); text or SMS messages; electronic mail; or other electronic channels. If we do not deliver Communications to you through the above manners, we will tell you where you can go to receive such Communications.

We may be required by law to deliver certain Communications to you on paper even though you have consented to receive it electronically.

Hardware and Software Requirements

To receive and retain electronic Communications from us, you will need the following:

A computer or mobile device with an operating system that supports everything below;
An internet connection;
A current version of a web browser that we support, including: Edge version 42 or higher, Firefox version 62 or higher, Safari version 12 or higher, or Chrome version 69 or higher;
A hard drive or other method of storing data;
A valid, active email address; and
A current version of a program that displays PDF files.

We may update these requirements periodically in order to maintain our ability to provide electronic Communications; if these requirements change in a substantial way, we will notify you of the changes.

Updating Contact Information

It is your responsibility to maintain accurate and current contact information so that we may send you electronic Communications. You can update your email address and other contact information by logging into your online account on Eonepay App, in the Account section, or by emailing us at care@eonepay.in

Requesting Paper Copies

We may choose to make paper copies of certain electronic Communications available upon request, but assume no obligation to do so. You may obtain a paper copy of an electronic Communication by printing it or by requesting we mail a paper copy. You may make requests for paper copies by emailing us at care@eonepay.in

Communications in Writing

We are required by law to give you certain information in writing. All Communications delivered to you in either electronic or paper format will be taken as information delivered "in writing."

Withdrawing Consent

You have the right to withdraw your consent to this agreement at any time. Withdrawing consent may result in the closure of your Account. If your Account is closed, we will return any funds in your Account in accordance with the Account Agreement. You may withdraw consent by emailing us at care@eonepay.in

BILLING POLICY

Eonepay will invoice Customer based on the terms of your Service Order for any particular Service. If no invoice terms are specified in such Service Order, Eonepay will invoice as follows: (i) for monthly, annual, or other recurring or subscription charges: annually in advance; (ii) for one-time charges: immediately upon order; and (iii) for Services that are priced on the amount of Transacted Containers: monthly in arrears. Any subscription fee will not be refundable.

Customer shall pay all invoices when due as set forth in the applicable Service Order and all such payments shall be in advance.

Customer shall raise all invoice disputes within 24 hours days of the time of the invoice; otherwise Customer waives any right to dispute. In order for a dispute to be valid, Customer must include a detailed description of the disputed items, the reason for the dispute, and the requested resolution of the dispute. For any disputed invoice, Customer shall pay all undisputed amounts when due and then promptly cooperate with Eonepay to investigate and resolve the disputed amount.

In addition to Eonepay’s right to terminate this Agreement, in whole or in part, based on non-payment by Customer, Eonepay may, after notice to Customer limit or suspend Customer’s access to any or all Services, in whole or in part, until Customer’s account is made current.

Unless expressly set forth otherwise, all fees charged or invoiced by Eonepay are in Indian rupees and all payments due by Customer shall be paid in INR in a manner acceptable to Eonepay.

Eonepay may modify pricing for any Services upon 30 days’ notice to the Customer. During such notice period, the Customer may choose to continue the Services, terminate its use of the Services and any other applicable Service Order as they deem fit according to this Terms of Service.

Using the payment details you provide on www.eonepay.in (for purchases made on the web directly through to process payments for the Invoice of subscription fees displayed in your account or previously agreed upon (“Subscription Fees”), we will use the payment details you provide to us on our website for purchases made on the web directly through www.eonepay.in, through Google Play, or through the Apple App Store (as applicable). Subscription Fees may not include all value added, sales, transaction, and other taxes; levies; duties; and similar governmental assessments of any nature (“Taxes”) which shall be payable by you in addition to the Subscription Fees, and payment for Taxes shall be taken together with the Subscription Fees. Any terms not defined in this Billing Policy have the meaning provided in the Terms of Service.

PAYMENT ON DUE DATE/AUTO-RENEWAL

If you purchase a subscription, you are subscribing to a subscription model where you are supposed to pay monthly/annually before the due date as stipulated in the Billing Policy of Eonepay. There is an option of clearing the dues monthly/annually or the customer can apply for automatically renewing subscription requiring recurring payments at the stated frequency (e.g., monthly annually) until you cancel your subscription. When you purchase a subscription, you must provide accurate and complete information for a valid payment method (Eonepay Bank Wallet) that you are authorized to use—this information may be collected and processed by a third-party app store or platform. If you purchase a subscription, you will be charged your first Subscription Fee and any applicable Taxes or additional fees on the date you purchase your subscription. Your subscription will automatically continue at the interval that you select, either monthly or annually, and you will continue to be charged at the then-current price (including any applicable Taxes) on the first day or as before the due date stipulated in the Billing Policy of each new subscription period, unless prior to the end of the current subscription period: (a) you terminate your account; (b) you cancel your subscription (as described below); (c) we decline to renew your subscription; or (d) this Billing Policy or the Terms of Service are otherwise properly terminated as expressly permitted herein. The subscription fee is non-refundable except as expressly set forth in this Billing Policy or in accordance with applicable law. If any subscription fee is not paid in a timely manner, or your transaction cannot be processed, we reserve the right to suspend, disable, cancel or terminate your access to the Product or cancel your subscription. You will be responsible for paying all past due amounts and our service provider may process payments using the current payment details that you provide on our websites (for purchases made on the web directly through www.eonepay.in), Google Play, or the Apple App Store (as applicable).

Web purchases: Subscription purchases made on the web directly through our websites (including www.eonepay.in) can be paid monthly/annually or can be automatically set for auto-renewal. You may enable or disable auto-renewal at any time by following instructions on this support page. You authorize us and/or our payment processor to store your Payment Method for the purpose of the auto-renewal transaction, and you authorize us (without notice to you, unless required by law) to collect the then-applicable Subscription Fees and any and all applicable Taxes, fees, and charges at the start of each subscription period. By agreeing to this Billing Policy and our Terms of Service, you agree to be bound by our payment processor’s applicable terms and conditions. Any breach of those terms will be treated as a breach of this Billing Policy.

Google Play and Apple App Store purchases: For subscription purchases made through Google Play and the Apple App Store, Eonepay does not control the auto-renewal settings for subscription payments. You will need to review your Google Play or App Store account to view whether your subscription is set to auto-renewal at the end of your current subscription term. You can follow the instructions on this support page to access this information on Google Play or the App Store, and to enable or disable auto-renewal for purchases made through Google Play or the App Store (which must be done directly with Google Play or the App Store, as applicable).

Should you elect to disable auto-renewal, your subscription will terminate at the end of the billing If you would like to use a different Payment Method or if there is a change in Payment Method, please update your information accordingly. It is your responsibility to keep your contact information and payment information current and updated. We may share your Payment Method information with payment processors or others necessary to authorize or execute your payment. We may also utilize one or more methods to obtain updated information about your Payment Methods to allow its continued use in the event you fail to keep your payment information current and updated.

CANCELLATION

Should you elect to cancel your subscription or disable auto-renewal, your subscription will terminate at the end of the billing period for which you have paid. If you elect to terminate your subscription or disable auto-renew for that subscription after our limited refund window (see below), you will not be eligible for refunds for any time remaining in your most current subscription term. You remain responsible for any uncollected amounts.

Subscription Fees and account charges are fully earned upon payment and there are no refunds, credits, exchanges, or other compensation for Subscription Fees or other account charges for partially used months or years, as applicable, except as set forth in this Billing Policy. If a payment is not successfully settled in a timely manner due to expiration of your Payment Method, insufficient funds, Eonepay’s or our service provider’s inability to process your transaction using the Payment Method on file, or otherwise, you must promptly provide a new eligible Payment Method or bring the balance current, or we may suspend your subscription or account and disable your access to the Product until we have successfully charged a valid Payment Method.

Except as otherwise provided in the Refund section below, when you cancel a subscription, you cancel only future charges associated with your subscription. You may initiate your cancellation at any time, but the cancellation will become effective at the end of your current subscription period. If you purchased a subscription on the web, in order to avoid future charges, you must cancel your subscription prior to the end of your current subscription period.

If you purchased a subscription through Google Play or the Apple App Store, in order to avoid future charges, you must cancel your subscription at least 24 hours prior to the end of your current subscription period. Subscriptions purchased through a third party app store or platform may be cancelled as described on this support page.

TERMINATION

We may terminate your subscription or free trial at our sole discretion and without any notice. If we cancel your subscription, we may give you a pro-rated refund based on the amount of time remaining that you cannot use; provided, however, that we will not be obligated to grant you a refund if we terminate your account or your subscription because we determine, in our sole discretion, that your actions or your use of the Product violate the Terms of Service, any applicable law, or has harmed another user.

DISCOUNTS

Eonepay may, from time to time, offer discounted fees for certain subscriptions during a specific promotional period. Unless otherwise noted, the discounted fee will be available for the promotional period identified, after which the full Subscription Fee will apply going forward. We reserve the right to withdraw or deactivate any discounted Subscription Fees for any reason at any time. A discount for a subscription may only be used for the first period of your first Eonepay subscription. If your subscription is ever terminated for any reason or you otherwise purchase another Eonepay subscription, you shall not be eligible for a discounted subscription. Discounted fees may also be subject to other conditions as indicated at the time of purchase.

UPGRADING AND DOWNGRADING SUBSCRIPTIONS

Web/App purchases: For subscription purchases made on the web directly through our websites/Application(including https://www.eonepay.in), if you upgrade, downgrade, or change the billing frequency (e.g., monthly or annual) for your subscription before your current term expires, on the date of purchase, we will (i) terminate your current subscription, (ii) provide a pro-rata refund based on the amount of time remaining in your then-current billing period, and (iii) begin your newly purchased subscription. For your newly purchased subscription, your auto-renewal setting will be set to “renew” on the upgraded plan. This means that for monthly plans, your subscription will automatically renew one month from that date you upgrade, downgrade or change the billing frequency of your subscription, at the upgraded or downgraded subscription rate; for annual plans, your subscription will automatically renew one year from that upgrade date, at the upgraded subscription rate. You may enable or disable auto-renewal at any time by following instructions on this support page.

CHANGES

We may change the subscription terms or Subscription Fees at any time on a going forward basis in our sole discretion. If the pricing for your subscription increases, we will notify you, and provide you an opportunity to change your subscription before applying those changes to your account or charging you in connection with an automatic renewal. We may choose in our sole discretion to add, modify, or remove benefits and features from a subscription. Your continued use of the Product after the changes become effective will constitute your acceptance of the changes. If you do not wish to continue subscribing with the new Subscription Fees or features, you may cancel your subscription. If you accept the new subscription, its terms and conditions will apply for that renewal and all renewals going forward

REFUNDS

EXCEPT AS OTHERWISE STATED HEREIN OR REQUIRED BY APPLICABLE LAW, YOUR SUBSCRIPTION FEE/ONE TIME FEE IS NONREFUNDABLE and if you cancel your subscription, you will not receive any refund and you will continue to have access to your subscription benefits at least until the end of your current subscription period. We reserve the right to issue refunds, credits, or discounts at our sole discretion. If we issue a refund, credit, or discount, we are under no obligation to issue the same or similar refund in the future. Eonepay may, in its sole discretion, offer customers 30 days from the date of initial purchase (i.e. the first subscription purchase made for a particular Eonepay account) to request a full refund of the subscription price listed at the time of purchase.

Regardless of the duration of your initial subscription (monthly or annual), no refunds are provided if your request for refund is made more than 30 days after the date of initial purchase (i.e. the first subscription purchase made for your Eonepay account). No refunds are offered for any subsequent subscription periods, renewals, additional purchases, or upgrades to the initial subscription made on your Eonepay account. Please visit our support page for help initiating a refund request.

To make payment for any Program or to purchase any services or products offered by Eonepay through the Platform, you must have internet access and a current valid accepted payment method as indicated during sign-up ("Payment Method"). Eonepay does not store any of your credit card information or such other information restricted by the Reserve Bank of India (RBI) for processing payment and has partnered with payment gateways for the payment towards the services. By using a third-party payment provider, you agree to abide by the terms of such a payment provider. You agree that in case Eonepay’s third-party payment provider stores any such information, Eonepay will not be responsible for such storage, and it will be solely at your discretion to allow the third party to store such information. Any loss of such information or any loss incurred by you due to the usage of such information will be solely a loss incurred by you, and Eonepay is in no way liable for any such losses and is neither responsible to reimburse / make good such losses in any manner whatsoever. You also agree to pay the applicable fees for the payments made through the Platform.

In any case whatsoever, no refund will be made for any undue delay in the delivery of the shipment.

The user will be eligible to request for a refund if the payment has been made for delivery of the shipment and the shipment has not been processed even through the first leg of the supply chain (“first mile”) and is still at the first pick-up location. Once the shipment leaves for the first mile, no refund will be given.

In any case of deficiency of service, refund shall be adjudged depending on the facts of such deficiency and the refund amount shall be adjudged on the basis of such facts. In no case such refund amount will be more than the amount paid for the delivery of such shipment.

ELECTRONIC COMMUNICATIONS

Without limiting the foregoing, you consent to the use of email to receive notices of activation and renewal of, and changes to, your subscription. To withdraw that consent, you must cancel your subscription. To request a free paper copy of those notices, or to update our records with your contact information, please contact us as described at the end of our Privacy Policy, and make sure your contact information is up to date in your account. To view and retain an electronic copy of your renewal notices, you will need (i) a device (such as a computer or mobile phone) with Internet access account, and (ii) email account you can access from the device, along with a browser or other software that can display the emails, and (iii) either a printer or storage space on such device. These Billing Policy still will apply if you withdraw the consent mentioned above.

Privacy Notice

Effective Date: January 1, 2023

At Eonepay, LSP Pvt. Ltd. ., we, along with our affiliates, and successors ,(“Eonepay”, “we”, “us”), respect the privacy rights of our online visitors (“users”), customers of our Service (“Customers”) and their actual and potential end customers (“End Customers”) (collectively with Customers and other users, “you” or “your”). We recognize the importance of protecting the information we collect about you.

This Privacy Notice applies to our websites, applications, promotions, products, and services (collectively, the “Services”), including all those that link to this Privacy Notice, and describes how Eonepay collects, uses, shares, transfers, stores, retains, or otherwise processes your Personal Information. If an End Customer receives an invoice from one of our Customers and then comes to our website or application, or an actual or potential End Customer otherwise interacts with the Service, then the actual or potential End Customer is also subject to this Privacy Notice. This Privacy Notice also applies to any surveys, rewards, promotions, sweepstakes, contests, referrals, or other marketing activities conducted by Eonepay or in connection with the Services (collectively “Eonepay Marketing”).

Please remember that our Customers are small businesses who may have their own privacy practices. This Privacy Notice does not apply to any third party websites or services that Eonepay does not own or control.

As used in this Privacy Notice, personal information means any information that relates to an identified or identifiable individual, and can include information about how you engage with our Services (e.g. device information, IP address). Capitalized terms not defined in this Privacy Notice have the meanings given to them in Eonepay’s Terms of Service.

Eonepay will share your information only as described in this Privacy Notice, or as permitted by law. Eonepay will not sell, lease, rent, or trade your personal information to any third party for that party’s marketing or promotional purposes, unless you give your consent.

By continuing to use the Service or participating in Eonepay Marketing after being provided with this Privacy Notice, you consent to Eonepay’s policies and practices as described herein. If you do not agree with this Privacy Notice, please do not access our Services or otherwise interact with our business.

This Privacy Notice explains:

Sources and Types of Information We Collect About You

We collect your personal information from you directly, through your use of the Eonepay Services and/or participation in Eonepay Marketing, and from third parties.

Identification information When you sign up for an Eonepay account or otherwise correspond with us , we collect contact and identifying information, including but not limited to your first and last name, phone number, e-mail address, billing address, PAN Card Number, Aadhar Card government-issued identification (natural persons), and business information, including company name and address, formation documents, business license, tax documents, phone number and business email address. For service improvement, security, dispute resolution and training purposes we may monitor and record your communications with us (including email and telephone) in accordance with applicable laws.

Law requires financial institutions, including money services businesses like Eonepay, to obtain, verify, and record information that identifies every customer. When you use the Services, in addition to collecting your name, address, date of birth, and other information that will allow us to identify you, we may also ask to see your driver’s license or other forms of identifying documents, such as business related documents. We will let you know if additional information is required.

Financial Information We collect payment card and billing information, including associated expiration billing address and expiration date and when you sign up for a paid Service.. Further details regarding personal financial information collected in connection with payments (including name on a credit card, cardholder postal code, the last four digits of a credit card number and certain other transaction information) is described in Section 7 (How We Store and Protect Your Information).

Information from imported contacts. If you choose to import contacts from your email account, including to invite those contacts to use the Services, we will collect the username and password for the linked email account, as well as the contact information for your contacts. We will only use this information for the purposes for which it is shared by you.

Promotions, Surveys and Feedback. We collect information about you when you choose to participate in surveys, rewards, promotions, sweepstakes, contests, events, referrals, or other Eonepay Marketing or when you provide feedback about Eonepay Services.

Information about your customers. We may collect information from you about your customers (“End Customers”), including but not limited to name, address, email address, phone number, TIN, and financial information, based on your use of the Service and payment instructions.

We may collect the following types of information from your use of the Eonepay Service or website:

Device and Service Use Information. Anytime you use the Services (even if you are not registered for our Services), we may collect information about how you access or use the Services or input data. This information may include unique device identifiers, IP addresses, device or browser type, operating system, and device or browser preferences. For additional information about how we collect and use this information, see Section 2 (Our Use of Cookies and Other Third Party Technologies).

Inferences. We may derive inferences about you from the information we have collected (e.g. we may infer your geographic location from the IP address of device).

We may collect the following types of information from service providers or other third parties:

Information collected from social media. We may receive information about you when you interact with our Services through various social media, for example, by logging in through or “liking” us on Facebook or “following” us on Twitter. The types of information we receive depends on your privacy settings with the particular social network. You should always review, and, if necessary, adjust your privacy settings on third party websites, mobile applications and services before linking or connecting them to our Services.

Identify verification. We collect information about you from third parties as required and permitted by law, including but not limited to the purposes of verifying your identity and/or complying with anti-money laundering and anti-terrorism financing laws, “know your customer” regulations,

Compliance and fraud. We collect information about you from third parties for purposes of fraud detection and prevention, in connection with certain types of investigations, or as otherwise permitted by law to ensure the safety and security of the Service.

Address and organization information. We collect information about you or your business from commercially available sources to ensure your account information, for example your address, is accurate and up-to-date.

Marketing. We collect information about current and prospective users of the Services from third party services, including but not limited to lead generation services and providers of customer and lead data, as well as enriched data about visitors to our website, all as permitted by law.

Our Use of Cookies and Other Third Party Technologies

Eonepay and our authorized third-party service providers may use cookies and similar third party tracking technologies to collect certain types of personal information when you use our Services, visit our website, or visit websites that offer our Services. The information collected with these technologies helps us personalize your experience, enable content, measure the effect of our ads, prevent fraud, and enhance the security of our website and the Services.

You can disable or decline some, but not all cookies, because our website and Services rely on certain cookies to function properly. Some web browsers have an optional setting called “Do Not Track” (DNT) that allows you to opt-out of being tracked by advertisers and some third parties. Because many features of our website and Services cannot function without tracking data, we do not currently respond to global DNT settings.

How We Use the Information We Collect About You

To register your account. When you create an Eonepay account or enrol as an Eonepay account user, we use the information that we collect about you, including any identifying information or financial information, for purposes related to the review, establishment, provision, administration, maintenance, and monitoring of your Eonepay account or your use of the Services. We also use this information to verify your identity and your eligibility to use the Services, and to comply with applicable law.

To provide the Eonepay service. We use the information that we collect about you, together with information that you provide about your End Customers and the content that you upload to the Services to provide the Services to you in accordance with your instructions and Eonepay account settings and choices. We also use your information to process payments requested by you and to provide you with transaction history and account information. We also use your information to provide, maintain and improve the Services to you and your actual and potential End Customers.

To provide customer support. We use your information to process and respond to your requests or inquiries, and to provide you with customer service, technical support, or software updates.

To diagnose or fix technology problems. We use your information to secure and protect the integrity of our network, help diagnose and troubleshoot potential hardware malfunctions, and otherwise ensure proper functioning of our Service.

To detect fraud. We use your information to detect and control unauthorized use or abuse of our Services and our other products and services, or otherwise detect, investigate or prevent activities that may violate our policies or be illegal.

To defend and/or prosecute legal claims. We may use your information to prosecute and/or defend a court, arbitration or similar legal proceeding, or to respond to lawful requests by public authorities (including national security or law enforcement requirements).

For research and development. We may use your information to analyze trends, administer or optimize the Services, monitor usage or traffic patterns (including to better understand how you use the Services), develop new products, features and technologies that benefit our customers and the public.

To communicate with you about the Services. We use your information to communicate directly with you, including by e-mail, SMS, push notification or phone, to send you transactional communications, respond to your questions, requests or comments, provide customer support, provide technical notices, updates, security alerts, and administrative messages. We will also communicate with the customers through the Application and the Call Centre.

To serve ads. We may use your information to deliver advertising to you, including to help advertisers and publishers serve and manage ads on the Service or on third party sites, and to tailor ads based on your interests and browsing history (please see Section 2 (Our Use of Cookies and Other Third Party Technologies) and Section 5 below (Your Choices about Your Information for additional information related to such advertising and your related controls).

With your consent. We use information about you where you have given us consent to do so for a specific purpose not listed above. As one example, we may publish testimonials or featured customer stories to promote the Services, with your permission.

Other legitimate business purposes. We may use the information that we collect about you as required or permitted by law. Such uses include but are not limited to compliance with anti-money laundering and anti-terrorism financing laws, “know your customer” regulations,

How We Share the Information We Collect About You (Privacy)

Within our corporate family. We may share your information within our Eonepay LSP Pvt. Ltd. and any subsidiaries and affiliates of Eonepay LSP Pvt. Ltd.

With our service providers. We may share your information with our service providers that perform services on our behalf, as needed to carry out their work for us, which may include providers of services for identifying and serving targeted advertisements, content or service fulfilment, or providing analytic, archival, auditing, accounting, legal, business consulting, banking, payment, delivery, data processing, data analysis, research, investigation, marketing, website or other technology services;

With your authorized third parties. At your direction, we may share your information with your third party vendors, service providers or agents.

With our Payment Partners. We may share your information with our Payment Partners and related integration partners. In this case, we may provide the Payment Partners with certain information about the your business(es) and use of the Services for use by the Payment Partners, and the Payment Partners will collect or otherwise receive personal information about End Customers, all subject to the Payment Partners’ own privacy policies and terms. The Payment Partners may use this information for: (i) processing payments; (ii) underwriting; (iii) preparing internal reports to manage their business; (iv) data analytics, developing and analyzing data metrics, anonymizing personal data and other analysis purposes, and to publish in aggregated form the results of such analyses; (v) evaluating risk and providing fraud screening services to Eonepay or third parties, including through risk and fraud modeling; (vi) processing and/or resolving chargebacks or other disputes; (vii) complying with applicable legal requirements and assisting law enforcement agencies by responding to requests for disclosure of personal data in accordance with local laws; and (vii) any other purpose for which the relevant individual’s consent has been provided.

With our Customers for whom you are their actual or potential End Customer in the context of the Service. For example, as an End Customer, we may share certain information about you with the Customer, such as whether you have opened an invoice or made a payment.

With our other partners. We may share your information with our Capital or Lending Partners (described in Section 14 of our Terms of Service), who may use it to provide you with opportunities for Capital or Loans in accordance with their own separate agreement or terms with you (which may be displayed through the Service or separately).

In connection with corporate transactions. We may share your information with other parties in connection with a company transaction, such as a merger, sale of company assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business by another company or third party or in the event of a bankruptcy or related or similar proceedings.

For compliance and harm prevention. We may share your information if we have a good faith belief that disclosure of such information is reasonably necessary to: (i) satisfy any law, legal process, or governmental request; (ii) enforce our Terms of Service, including investigation of potential violations thereof; or (iii) protect against fraud, imminent harm to the Service or the rights, property or safety of Eonepay, our users or the public as required or permitted by law.

Aggregated and Anonymized Data. We may share aggregated or anonymized data with third parties for other purposes. Such information is not Personal Information as it does not identify you individually, but may include usage, viewing and technical information we collected through our technology. If we are required under any applicable law to treat such information as Personal Information, then we will only disclose it as described above. Otherwise we may disclose such information for any reason.

Your Choices and Privacy Rights

End Customers should contact the relevant Customer with any requests regarding their information.

Managing your account. When you sign up for an Eonepay account, you will create an account profile. You have options for managing your account information and communication preferences within your account. You can update certain account information and communication preferences at any time by logging into your account and changing your account settings. If you have any questions about reviewing or modifying your account information, you can contact us directly at the address provided in Section 12 (How to Contact Us).

Managing marketing communications. We will honour your request to opt out from receiving marketing communications from us. You can unsubscribe from promotional emails by clicking on the “unsubscribe link” provided in such communications. You can also stop receiving communications from us by emailing us an opt-out request at care@eonepay.in.

We make every effort to promptly process all unsubscribe requests. You may not, however, opt out of Service-related communications (e.g., account verification, purchase and billing confirmations and reminders, changes/updates to features of the Service, technical and security notices) unless you terminate your account.

How Long We Keep the Information We Collect About You

Retention periods can vary significantly based on the type of information we collect and how it is used. Eonepay’s retention periods are based on criteria that include our ability to provide you with the Service or administer your Eonepay account, legally mandated retention periods, pending or potential litigation, our intellectual property or ownership rights, contract requirements, operational directives or needs, and historical archiving.

How We Store and Protect the Information We Collect About You

Eonepay uses commercially reasonable physical, technical, and organizational measures to help protect the confidentiality, integrity and security of all information collected through the Services. However, no security system is impenetrable and we cannot guarantee the security of our systems 100%. In the event that any information under our control is compromised as a result of a breach of security, Eonepay will take reasonable steps to investigate the situation and where appropriate, notify those individuals or customers whose information may have been compromised and take other steps, in accordance with any applicable laws and regulations.

Password Security: Your passwords are an important element of our security scheme, and as such, you are responsible for maintaining the confidentiality of your password and account, and are fully responsible for all activities that occur under the password or account. You must report any misuse or compromise of your password to Eonepay at the contact address provided in Section 13 (How to Contact Us) as soon as they become aware of any such misuse or compromise.

Links to other web sites and services

Our Services may integrate with or contain links to other third party websites and services. We are not responsible for the practices employed by third party websites or services embedded in, linked to, or linked from the Services. Your interactions with any third party website or service are subject to that third party’s own rules and policies. You are responsible for examining third party websites’ privacy policies and for making your own decisions regarding the accuracy, reliability and correctness of material and information found.

Eonepay’s Intellectual Property Rights

Eonepay logos, trademarks and service marks that may appear on the Platform and in the Program (“Eonepay Marks”) are the property of Eonepay and are protected under Indian laws. All other trademarks, service marks and logos used on the Platforms, Online Courses or Programs, with or without attribution, are the trademarks, service marks or logos of their respective owners. In addition, elements of the Platforms are protected by applicable Indian and international intellectual property laws and may not be copied, reproduced, downloaded or distributed in any way in whole or in part without the express written consent of Eonepay.

As a condition of accessing the Platforms and/or using the Programs, you agree not to (a) reproduce, duplicate, copy, sell, resell or exploit for any commercial purpose any Content (“Content” means any and all information and data, which may include but not be limited to text, software, scripts, graphics, maps, photos, sounds, music, videos, logos, offers, advertisements, interactive features and other materials) or any portion of it thereof, other than as expressly allowed under these Terms; and (b) use the EONEPAY Marks or the name, trademarks, service marks, or other materials of any Service Partner in connection with, or to transmit, any unsolicited communications or emails or for any other unauthorised purpose.

Third party Intellectual Property

EONEPAY respects third-party intellectual property rights and actively supports protection of all third-party intellectual property including copyrights and trademarks. It is our policy to expeditiously respond to clear notices of alleged infringement of Intellectual Property Rights. If we receive proper notification of infringement, our response to such notices will include removing or disabling access to material claimed to be the subject of infringing activity.

If you believe that your product or other work has been misrepresented or used in a way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please provide us a description of the product, work or other intellectual property that you claim has been misrepresented or infringed and a description of where the material that you claim is misrepresenting or infringing your product, work or other intellectual property is located on the Platform/Program along with a statement by you that you have a good faith belief that the disputed use is not authorised by the owner of the product, work, copyright or intellectual property, or its agent, or applicable laws.

How to Contact Us

If you have any questions or otherwise need to contact us in connection with this Privacy Notice or the Service, you can reach our customer support portal or our Privacy Team at legal@eonepay.in, care@eonepay.in or contact us at:

Terms & Condition

Terms & Conditions

+91-11-45128999

info@eonepay.in