Terms of Service and User Agreement

We are on a mission to make the web a better place. The following terms, as well as our Policy, Terms of Service and Account Access Policy, apply to all users. Last Update: Nov 08, 2023

Welcome to a qr.index.wf, the website of INDEX PAY, a company registered under the Companies Act,2013, India having its registered office at West Bengal, hereinafter referred to as “SmartUPI” , “SmartUPI”, “SmartUPI”, ”we”, ”us”, “Company”, “1st Party”.

The user using this Website (the “Site”) and the services made available on the Site or on Applications, Tools, Plugins, Extensions, APIs published on the Site and available for distribution on registered, recognized and official 3rd party platforms, is subject to these Terms of Service (these “Terms”, “Agreement”).

INDEX PAY provides Software and services for paperless, hassle-free documentation. Software and services include but are not limited to, generation, facilitation, management and distribution of electronic signatures, storage, sharing, digitization, validation and verification of documents based on the user’s identity. (the ”Services”).

The Individual or Company that the Individual is representing, intending to use or using our Services, whether in individual capacity or representing a registered legal entity, is hereinafter referred to as “Customer”, “User”, “you”, “him/her”, “they”, “2nd Party”.

Collectively, Company and User to be hereinafter referred to as “Parties” and Each a “Party”

By using any of our Services, you agree to be bound by, and use our Services in compliance with, these Terms of Service in entirety. IF YOU DO NOT AGREE TO THESE TERMS OF SERVICE, WE ENCOURAGE YOU NOT TO PROCEED WITH USE OF OUR SERVICES.

This page will be updated whenever there is a change to the Terms. It is your responsibility to check this URL frequently to keep yourself informed aboutINDEX PAY’s Terms. The then-current version of these Terms will supersede all earlier versions. You agree that your continued use of our Services after such changes have been published to our Services will constitute your acceptance of such revised Terms.

The term "SmartUPI" name used within our services refers solely to the brand name and does not determine the nature of the business associated with it. The name is used for identification purposes and does not imply any specific type of business.

Ownership of Content

INDEX PAY doesn’t have any license for or doesn’t claim ownership rights pertaining to any documents, files submitted by you to its platform for using its Services (“Content”). These Terms do not grant us any licenses or rights to your Content except for the limited rights needed for us to provide the Services to you. Limited rights include but are not limited to copying, storing, extracting data, verifying, sharing Content for purposes of research and development, gain or otherwise, but in complete accordance withINDEX PAY’s Privacy Policy and/or applicable laws of the land, and with your full consent.

Rights & Responsibilities of the User

Rights

Responsibilities

Rights & Responsibilities of the Company

Rights

Rights

Rights & Responsibilities of the Company

License

Subject to the Terms, unless otherwise approved byINDEX PAY or it’s authorized signatories,INDEX PAY hereby grants only a limited, non-exclusive, non-transferable license to the User to use it’s Services for personal use and/or business purpose if approved by the authorized signatory of the Company the User is representing, and not for resale or distribution. Your rights to use the Services is limited to all terms & conditions set forth in the Terms. Except for your pre-existing rights and this license granted to you, we reserve all rights in and to our Services, including all related intellectual property rights. Except as otherwise explicitly provided in these Terms or as may be expressly permitted by applicable law, or as approved byINDEX PAY or it’s authorized signatories, you will not permit or authorize any third party to: (i) reproduce, modify, translate, enhance, decompile, disassemble, reverse engineer or create derivative works of any of our Services; (ii) rent, lease or sublicense access to any of our Services; or (iii) circumvent or disable any security or technological features or measures of our Services. Any rights not expressly granted herein are reserved byINDEX PAY.

Links and Third Party Content

Our Services may display, or contain links to, third party products, services, and Web sites. Any opinions, advice, statements, services, offers, or other information that constitutes part of the content expressed, authored, or made available by other users or other third parties on our Services, or which is accessible through or may be located using our Services (collectively, “Third Party Content”) are those of the respective authors or producers and not of us or our shareholders, directors, officers, employees, agents, or representatives. We do not control Third Party Content and do not guarantee the accuracy, integrity or quality of such Third Party Content. We are not responsible for the performance of, we do not endorse, and we are not responsible or liable for, any Third Party Content or any information or materials advertised in any Third Party Content. By using our Services, you may be exposed to content that is offensive, indecent, or objectionable. We are not be responsible or liable, directly or indirectly, for any damage or loss caused to you by your use of or reliance on any goods, services, or information available on or through any third party service or Third Party Content. It is your responsibility to evaluate the information, opinion, advice, or other content available on and through our Services.

INDEX PAY provides the option to link third-party merchant accounts to our service. However, we do not have control over these third-party accounts, and we are not responsible for any actions or decisions taken by the third-party merchant or any associated financial institutions. If a linked account is blocked or restricted for any reason,INDEX PAY shall not be held liable or accountable for such actions.

BHIM UPI logo : The BHIM UPI logo displayed on theINDEX PAY website is a trademark and intellectual property of the National Payments Corporation of India (NPCI).INDEX PAY is not affiliated with or endorsed by NPCI in any way. The BHIM UPI logo is used on theINDEX PAY website solely for informational purposes to indicate compatibility with UPI-enabled apps and services.

Consent for Communication

The User agrees that in order to use the Site and/or Services, he/she needs to provide certain consent as published by the Company on the Site from time to time. Such consent may include consent to receive communication regarding User activity, Transactions, Fees, Verification, Promotional communication etc by any and all mode of communication as deemed apt by the Company. The User can opt-out, unsubscribe of any Promotional communication at any point. However, the User agrees the User can not opt-out of any form of Communication that is required for the Company to deliver the Services. By providing such consent, the User agrees to not to file any complaint, legal suit, case with any Regulatory Authority and/or Legal body regarding receiving such communication from the Company or its Licensors and/or Third Party Software providers. The User further agrees that such communication can be sent to him/her by the Company at any time of the day via. Any and all mode of communication as deemed appropriate and necessary by the Company and will supercede all prior “Do-Not-Disturb” service as the User may have activated at that point. Suspension of Services

Privacy Policy

The Privacy Policy shall be read in conjunction with the Terms, is governed by the Terms and updated by the Company in the event of a change in the Company’s Privacy Policy. The Privacy Policy shall be made available by the Company for the User’s perusal at qr.index.wf/policy . It is the User’s responsibility to check qr.index.wf/policy to stay informed about the current Privacy Policy of the Company

Feedback

We may provide you with a mechanism to provide feedback, suggestions, and ideas, if you choose, about our Services (“Feedback”). You agree that we may, in our sole discretion, use the Feedback you provide to us in any way, including in future enhancements and modifications to our Services. You hereby grant to us and our assigns a perpetual, worldwide, fully transferable, sublicensable, irrevocable, royalty free license to use, reproduce, modify, create derivative works from, distribute, and display the Feedback in any manner for any purpose, in any media, software, or technology of any kind now existing or developed in the future, without any obligation to provide attribution or compensation to you or any third party.

Representation, Warranties and Covenants

DISCLAIMER OF WARRANTIES

YOUR USE OF THE SERVICES AND THE SERVICE CONTENT IS AT YOUR SOLE RISK. THE SERVICES AND THE SERVICE CONTENT EACH ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR SUPPLIERS AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THE COMPREHENSIVENESS, CORRECTNESS, LEGALITY, OR ACCURACY OF THE SERVICE OR SERVICE CONTENT OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR FREE.. ANY MATERIAL THAT YOU ACCESS OR OBTAIN THROUGH OUR SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY MATERIAL THROUGH OUR SERVICES. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH OR FROM OUR SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED BY US.

DISCLAIMER

LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR SUPPLIERS AND LICENSORS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES), RESULTING FROM YOUR USE OF OUR SERVICES AND SERVICE CONTENT. UNDER NO CIRCUMSTANCES WILL THE TOTAL LIABILITY OF US AND OUR SUPPLIERS AND LICENSORS OF ALL KINDS ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES AND SERVICE CONTENT (INCLUDING BUT NOT LIMITED TO WARRANTY CLAIMS), REGARDLESS OF THE FORUM AND REGARDLESS OF WHETHER ANY ACTION OR CLAIM IS BASED ON CONTRACT, TORT, OR OTHERWISE, EXCEED THE AMOUNTS, IF ANY, THAT YOU HAVE PAID TO US FOR YOUR USE OF THE SERVICES AND SERVICE CONTENT.

SERVICE LIMITATIONS

INDEX PAY OFFERS A DYNAMIC QR CODE GENERATION SERVICE AND FACILITATES THE ACCEPTANCE OF PAYMENTS THROUGH VARIOUS UPI-ENABLED APPS. HOWEVER, WE DO NOT PROVIDE PAYMENT GATEWAY SERVICES, AND WE ARE NOT INVOLVED IN THE PAYMENT PROCESSING OR FUND SETTLEMENT BETWEEN THE CUSTOMER AND THE MERCHANT. WE ARE NOT RESPONSIBLE FOR ANY ISSUES, DISPUTES, OR FINANCIAL TRANSACTIONS THAT MAY OCCUR BETWEEN THE PARTIES INVOLVED.

INDEMNITY

You will indemnify and hold us, our suppliers and licensors, and our respective subsidiaries, affiliates, officers, agents, employees, representatives, and assigns harmless from any costs, damages, expenses, and liability caused by your use of the Services and Service Content, your violation of these Terms, or your violation of any rights of a third party through use of the Services or Service Content.

Term of Agreement

The term of this Agreement will be coterminous with the period of a single usage or multiple usages, either intermittent or continuous, of the Company’s Site and/or Services by the User.

MISCELLANEOUS