Welcome to FINFLAREON, owned and managed by FLAREON INNOVATIONS PRIVATE LIMITED. We appreciate your trust and the opportunity to provide our services through this platform.

Definitions

• “we,” “our,” “us” – refers to FINFLAREON.
• “you,” “your,” “user” – refers to individuals or entities using our services.

These Terms outline the rules and conditions for using our services. By accessing or continuing to use the Services, you acknowledge and accept these Terms. If you do not agree with any part, you must stop using the Services immediately. Updates to these Terms may occur periodically, and continued use implies acceptance of the latest version.

Acceptance of Terms

By using our Services, you confirm acceptance of these Terms along with our Privacy Policy. If you disagree with them, please refrain from accessing or using our platform.

Eligibility and Account Registration

To access our Services, users must ensure:

• You are 18 years or older and legally capable of entering binding agreements.
• Your business or entity is legitimate and compliant with all applicable laws.
• Completion of KYC verification with valid identity and business documents is mandatory.
• You are responsible for keeping account credentials confidential; all actions under your account are considered authorized unless proven otherwise.
• We reserve the right to approve, decline, or terminate registrations at our discretion.

Scope of Services

FINFLAREON provides digital payment solutions allowing businesses to receive payments via:

• Credit/Debit Cards
• UPI
• Net Banking
• Digital Wallets

Key Functionalities Include:

• API and plugin integration for websites, apps, and POS systems
• Payment links, QR code payments, subscription billing, and invoicing tools
• Real-time transaction monitoring and settlement to verified bank accounts

We may add, modify, or discontinue Services without prior notice.

User Responsibilities

As a registered user, you must:

• Provide accurate and up-to-date business, financial, and contact information
• Use Services solely for lawful, legitimate business purposes
• Maintain strict confidentiality of login credentials, API keys, and access permissions
• Report unauthorized access, suspected fraud, or data breaches immediately

Fees and Settlements

• Applicable service fees are listed in your Merchant Agreement or Dashboard
• Fees exclude taxes; users are responsible for applicable taxes
• Chargebacks are the merchant’s responsibility; refunds follow internal policies and timelines
• Any fee changes will be communicated in advance via email or Dashboard notifications

Restricted Activities

Users are prohibited from:

• Engaging in illegal, unauthorized, or fraudulent activities
• Conducting transactions for restricted goods or services (narcotics, gambling, adult content, counterfeit items, firearms, or banned items)
• Attempting to hack or compromise system security

Consequences of Violation:

• Temporary or permanent account suspension
• Withholding of funds pending investigation
• Legal action as per applicable law

Fraud Prevention and Risk Management

We employ advanced systems to protect transactions:

• Real-time monitoring of transactions
• AI-based fraud detection, scoring, and risk analysis

If suspicious activity is detected:

• Transactions may be delayed, withheld, or reversed
• Accounts may be suspended or permanently closed without prior notice
• Users remain liable for any losses, penalties, or chargebacks arising from unlawful actions

Privacy and Data Protection

We prioritize your privacy and comply with all relevant regulations:

Security Measures:

• Encryption and authentication protocols
• Restricted access for authorized personnel only

Data Usage:

• Transaction processing
• Fraud detection and compliance
• Platform maintenance, updates, and performance improvements

Intellectual Property Rights

• All intellectual property (software, design, trademarks, content, documentation) belongs to FLAREON INNOVATIONS PRIVATE LIMITED or its licensors
• Users receive a limited, non-transferable license to use the platform for business purposes only
• Copying, modifying, reverse-engineering, sublicensing, or misuse is strictly prohibited
• Use of branding, trademarks, or marketing materials requires prior written approval

Third-Party Integrations

• Services may integrate with third-party entities (banks, payment networks, analytics providers, logistics, CRM systems)
• We are not responsible for third-party practices, reliability, or disputes
• Losses or issues with third-party services are governed by their own terms and conditions

Suspension and Termination

Accounts may be suspended or terminated for:

• Breach of Terms
• Involvement in illegal, fraudulent, or unauthorized activity
• Compliance with legal or regulatory orders

Possible Outcomes:

• Temporary or permanent suspension of services
• Withholding of funds until resolution
• Obligation to settle pending payments

Dispute Resolution

• Disputes are initially handled by our internal support team
• Transaction-related issues (e.g., chargebacks) involve coordination with banks and payment networks
• Unresolved matters may proceed as per applicable jurisdiction

Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, or consequential damages
• Liability does not include loss of profits, revenue, data, or business opportunities
• Services are not guaranteed to be uninterrupted or error-free

Indemnification

You agree to indemnify and hold harmless FLAREON INNOVATIONS PRIVATE LIMITED, its employees, affiliates, and directors against claims or liabilities arising from:

• Misuse of Services
• Breach of Terms
• Fraudulent, unlawful, or negligent conduct

Governing Law and Jurisdiction

• Terms are governed by Indian law
• Disputes fall under the exclusive jurisdiction of Indian courts

Force Majeure

We are not responsible for delays or non-performance caused by events beyond our control, including:

• Natural disasters
• Epidemics or pandemics
• Terrorist acts or war
• Cyberattacks or technical failures
• Strikes, labor unrest, or government restrictions

Amendments to Terms

• Terms may be updated at any time
• Major changes will be reflected with a “Last Updated” date
• Continued use implies acceptance of revised Terms
• Users are encouraged to review these Terms periodically

Severability and Waiver

• Invalid provisions do not affect the enforceability of remaining Terms
• Failure to enforce a right does not constitute a waiver of future enforcement rights

Contact Information

For questions, feedback, or legal communications regarding these Terms, contact us at (mention email).