These Payment Terms & Conditions (“Terms”) govern all payments made for access to the back-office software, mobile applications, platforms, websites, and related products and services (“Services”) provided by REDVision Global Technologies (“Company”, “we”, “our”, “us”).

By proceeding with payment, you acknowledge that you have read, understood, and agreed to be bound by these Terms. These Terms constitute an electronic record under the Information Technology Act, 2000 and do not require physical or digital signatures.

1. Payment Methods

Payments may be made through:

• UPI
• Net Banking
• Debit/Credit Cards
• or any other payment mode made available on our platform

All payments are processed through authorised third-party payment gateways and RBI-regulated banks in accordance with applicable RBI guidelines. We do not store your card, UPI or net banking credentials. All sensitive payment data is directly processed by the payment gateway.

2. Pricing, Taxes & TDS

All fees are payable in Indian Rupees (INR). Applicable GST and statutory taxes shall be levied as per law. Pricing may be revised for future subscriptions/renewals. Active subscriptions remain valid at the price for the subscribed term.

3. Subscription / License Nature

Payments relate to:

• subscription fees
• renewal fees
• onboarding/setup/implementation charges
• service charges

The subscription grants a limited, non-exclusive, non-transferable, revocable license to use the Services during the subscription term, subject to compliance with these Terms.

4. Cancellation Policy

Once paid, subscription/license fees are non-cancellable. Setup, onboarding, and implementation charges are strictly non-refundable. Nothing in this clause limits any statutory consumer rights applicable under law.

5. Refund Policy

All payments made for our software, mobile apps, services, subscriptions, renewals, setup or feature charges are non-refundable in all cases.

• change of mind
• non-use of services
• dissatisfaction with features or performance
• partial use of the subscription period
• termination initiated by the user
• delay or failure attributable to the bank/payment gateway/internet/third parties
• Requests made after activation or onboarding

Before purchasing, users may request a free product demo. Users can avail multiple demos to fully understand the product before making payment. Once payment is completed, no refund shall be provided for any reason whatsoever.

6. Failed or Unsuccessful Transactions

If money is debited from your account but the transaction fails, remains pending or is rejected:

• the amount will be automatically reversed to the same payment source
• reversal timelines are governed by the bank/payment gateway (generally 5–7 working days)
• we do not control these timelines

7. Payment Gateway Disclaimer

Payments are processed via independent third-party payment gateways. We shall not be liable for:

• failed or delayed transactions
• duplicate charges
• technical issues at bank/gateway end
• data breach or PCI-DSS failure at gateway level

8. Non-Payment / Delay in Payment

In case of:

• non-payment
• charge failure
• cheque bounce
• repeated defaults

We may suspend or terminate access to Services without further notice. Reactivation may require:

• payment of outstanding dues
• applicable penalties
• reactivation charges (if applicable)

9. Chargebacks and Payment Disputes

You agree to first notify us of any transaction dispute before initiating a chargeback. Raising a chargeback for validly delivered Services shall constitute breach of contract.

We reserve the right to:

• recover chargeback penalties
• payment gateway fees
• legal and recovery costs
• suspend Services during investigation

10. User Declarations & Responsibility

You confirm that:

• the payment instrument belongs to you / you are authorised to use it
• information furnished is accurate and complete
• funds used are legitimate and lawfully obtained

You agree to indemnify us against losses arising out of misuse of payment instruments. You further confirm that payments do not constitute proceeds of crime under PMLA, 2002.

11. Service Availability, Warranty & Disclaimer

Services are provided on an “as is” and “as available” basis. We do not warrant that Services will be:

• uninterrupted
• error-free
• virus-free
• compatible with every device or browser

12. Force Majeure

We shall not be liable for delay or failure caused by events beyond reasonable control including:

• natural calamities
• pandemic/epidemic
• strikes or labour disputes
• government action or regulation
• war or civil unrest
• power/infrastructure outages
• third-party service failure

13. Invoices and Records

Invoices/receipts will be issued electronically to the registered email ID or made available within the platform or shared with you directly.

14. Data Protection & Privacy (DPDP Act Compliance)

We comply with the Digital Personal Data Protection Act, 2023.

• Personal data shall be processed lawfully and for specified purposes
• With appropriate notice and consent
• With rights to access, correction, and grievance redressal

15. Relationship Disclaimer

Nothing in these Terms shall be deemed to constitute a partnership, employment, principal-agent, or fiduciary relationship between the parties.

16. Governing Law, Dispute Resolution & Jurisdiction

These Terms are governed by the laws of India. Any dispute shall first be attempted to be resolved amicably. Failing which, disputes shall be referred to arbitration under the Arbitration and Conciliation Act, 1996:

• seat & venue: Indore, Madhya Pradesh
• language: English
• arbitrator: Sole arbitrator mutually appointed

Subject to the arbitration clause, courts at Indore, Madhya Pradesh shall have exclusive jurisdiction, subject to applicable consumer protection laws.

17. Changes to Terms

We may modify these Terms at any time. Material changes will be communicated through website updates, email, or in-app notification. Continued use of Services after such changes constitutes acceptance.

18. Severability

If any provision is held invalid, the remaining provisions shall continue in full force and effect.

19. Survival

Clauses relating to license, intellectual property, payment obligations, refunds, limitation of liability, dispute resolution, indemnity, and jurisdiction shall survive termination.

FinTech & Mutual Fund Disclaimer

REDVision Global Technologies is a technology service provider offering back-office software and fintech solutions.

• We do not collect or handle investors’ mutual fund transaction monies
• We do not execute transactions
• We do not hold investor funds

We are not responsible for losses arising from investment transactions executed outside our control systems.