Welcome to Wegofin Digital - Your Trusted Payment Gateway

We understand the immense trust you place in our platform when you entrust us with your data. Safeguarding your information is our utmost priority. We leave no stone unturned in ensuring the privacy and security of your data, which is why we rigorously scrutinize every aspect of our products and services, even before they launch.

Before embarking on your journey with our platform and making use of its wide array of services ("Services"), we kindly request that you take a moment to carefully review these comprehensive terms and conditions ("Terms of Use" / "Terms of Service" / "Terms"). The "Website Name Platform" or simply the "Platform" encompasses our website, mobile application, API, and other associated properties. This platform is owned and operated by Wegofin Digital, a company incorporated in India. These Terms are not just words; they form a legally binding agreement governing your interaction with our platform.

Please bear in mind that these Terms complement, rather than replace, any other terms that Wegofin Digital may introduce from time to time. In the event of any inconsistency between these Terms and other terms, these Terms shall take precedence. Throughout this document, "we" and "our" refer to Wegofin Digital, while "you" and "your" refer to you, our valued platform user. Together, Wegofin Digital and the User are collectively referred to as the "Parties," with each Party being singularly addressed as a "Party."

We retain the right to make revisions to these Terms, update our Platform, and modify our Services as needed. These changes are aimed at enhancing your experience on our Platform and aligning with evolving Applicable Law. If any change introduced by us is not agreeable to you, you have the option to discontinue using our Services. It's important to note that these Terms are closely tied to and incorporate our Privacy Policy.

We extend our services to all individuals possessing an email address and an Indian mobile phone number. Our Platform is designed to cater to a wide audience. However, it's vital that the Platform is accessed and utilized solely by individuals who are legally (18) to enter into binding contracts as defined by the Indian Contract Act. We are unable to provide services to users who have been suspended or removed from any Wegofin Digital service.

Impersonation, false statements, or misrepresentation of identity, age, or affiliations are strictly prohibited. We value authenticity and integrity within our community.

Understanding the Language of Wegofin Digital

In our quest for clarity and transparency, we've laid out some definitions to ensure you fully comprehend the terms and phrases we use in our Wegofin Digital Terms and Conditions. These terms are divided into various categories, such as Indian laws, financial processes, intellectual property, and more.

Applicable Laws : This encompasses any Indian statute, ordinance, rule, by-law, regulation, notification, guidelines, directions, directives, or orders issued by any government, statutory authority, board, or recognized stock exchange.

Chargeback : A Chargeback is the reversal of a transaction made by a Service Provider's User. This can occur for various reasons, including alleged forgery of account or card details, charges made on a hotlisted card, duplicate transactions, refunds due to transaction denial, incorrect or extra payments, or fraudulent use of personal and financial information.

Confidential Information : This term refers to any business, technical, or financial information related to Wegofin Digital or its affiliates. It includes information connected to the arrangements outlined in these Terms and Conditions or any other document incorporating these Terms and Conditions. This information may pertain to financial and business operations, among other things.

Effective Date or Registration Date : This signifies the date when a User's Account is registered on Wegofin Digital.

Wegofin Digital Policies : This encompasses all the policies and terms and conditions associated with Wegofin Digital's services, including the Terms of Use, Privacy Policies, Grievance Policies, and any other terms and conditions or policies made available and updated on Wegofin Digital.

Intellectual Property : Intellectual Property refers to all intellectual property associated with the performance of these Terms and Conditions or any applicable agreement. It includes software, trademarks, service marks, trade names, logos, symbols, styles, graphics, content, and more.

KYC or Know Your Customer : KYC is the process mandated by law for collecting and verifying a User's personal identification information before providing services.

Services : Services encompass all offerings available to Users through the Wegofin Digital Platform. These services can include banking services, non-banking services, and other similar offerings provided directly or through Merchants.

Service Provider : A Service Provider is any banking or non-banking entity with which Wegofin Digital has entered into an agreement, directly or indirectly, to facilitate transactions between the entity and its clients.

Users : Users refer to anyone utilizing the Wegofin Digital Platform to access Wegofin Digital's services. This term includes all types of entities, including corporations, partnerships, limited liability partnerships, and more.

Your Account with Wegofin Digital, through which our services are rendered, is identified by your cell phone number and email. We strongly advise you to choose a secure password to protect your Account. Never share or write down your password. It's important to note that Wegofin Digital or its Service Providers will never request your Account password or any other private information. If you suspect any compromise of your Account's security, promptly change your password and hold Wegofin Digital harmless from any resulting liabilities.

The personal information you provide during your interactions with Wegofin Digital, as well as information collected by Merchants and Digital Channels in the course of these Terms of Use or any Applicable Agreement, is governed by Wegofin Digital's Privacy Policy.

For the sake of security, Wegofin Digital reserves the right to reclaim inactive Accounts without prior notice. An Account is considered inactive if a User hasn't logged in for more than six months or hasn't engaged in any transactions.

The Wegofin Digital services and the Site may contain references or links to other websites or services (referred to as "Reference Sites") for your convenience. It's important to note that Wegofin Digital does not endorse these Reference Sites or the content, resources, goods, or services they offer.

Your interactions or transactions with Reference Sites are solely between you and the Reference Site. Any dealings with Reference Sites, including the information, materials, products, and services they provide, are at your own risk.

By accepting this Agreement, you consent to the following communication practices.

Wegofin Digital may send you transactional or non-transactional business communications via SMS, Email, or Push notifications while fulfilling your requests or servicing your Account. Even if you opt out of marketing communications, Wegofin Digital may continue sending transactional and critical communications.

When you utilize the Wegofin Digital Platform or any Services, we will make every effort to provide alerts, and it will be assumed that you have received the information we supply. We are not responsible for verifying the identity of the recipient of our notifications, and we are not liable for any non-availability of notification services.

We prioritize transparency and responsibility. Please carefully consider the following to understand the boundaries of our liability.

No Consequential or Indirect Damages.

We want to be clear that Wegofin Digital, its directors, agents, officers, and employees shall not be held responsible for any special, indirect, incidental, consequential, punitive, or exemplary damages incurred by Users. This includes but is not limited to, missed business opportunities, lost revenues, anticipated profit loss, and any other financial or non-financial losses or damages resulting from or related to:

• Any agreements made between Users and Wegofin Digital.
• The use of Wegofin Digital services or the Site, as well as any Reference Sites.
• The ability or inability to use Wegofin Digital services or the Site, even if we or our authorized representatives have advised of such potential damages.
• Unauthorized access or alterations to data or transmissions.
• Any transactions involving third parties or conduct by third parties.
• Infringement of another's rights.
• The use of counterfeit or stolen cards or devices.
• Transactions related to fraudulent electronic funds.

Please note that Wegofin Digital reserves the right to reverse any transaction at our sole discretion, subject to approval by the service provider. In any case, if a court of law determines that Wegofin Digital or its directors, officers, or employees must indemnify a User, our liability shall not exceed the amount paid by the User (if any) for using the specific portion of the Site or Wegofin Digital services that led to the complaint.

At Wegofin Digital, we prioritize the security of your account and transactions. To ensure this, you agree to comply with the provisions of the Information Technology Act, 2000, and its statutory rules, as well as all relevant laws, rules, and regulations. These include those related to data security, management, storage, sharing, and protection.

You, as the User, affirm and certify that you will not engage in any illegal or unethical behavior. Furthermore, you guarantee that any financial data or information received by you will be stored in a system located solely in India. This data should encompass complete end-to-end transaction details and information collected, carried, or processed as part of the message or payment instructions. Additionally, you understand and accept that account balances held by Users on the Wegofin Digital Platform are non-interest bearing and may be forfeited if left unused for more than 365 days.

You, the User, make the following representations and commitments

You have had ample opportunity to review and assess the performance of the Applicable Agreement, including its financial implications and risks. If Wegofin Digital becomes aware of any violation or potential violation of these Terms of Use or any circumstances that could harm Wegofin Digital's reputation, you will cooperate fully in addressing and rectifying the situation.

You are responsible for obtaining all necessary consents and approvals from regulatory or governmental authorities, including any required consent from customers for data transfer to the User and/or the Wegofin Digital Platform, as per Applicable Law.

You will strictly adhere to the Privacy Policy and all Applicable Laws governing your duties under the Applicable Agreement. This includes compliance with data protection, security, anti-piracy measures, and regulatory directives related to payment data. You will also maintain all required registrations under Applicable Law for Wegofin Digital.

Without prior written consent from Wegofin Digital, you will not use any unauthorized methods, including deep-linking, page scraping, robots, spiders, or other automatic or manual processes, to access, acquire, copy, or monitor any part of the Wegofin Digital Platform. You will not attempt to circumvent the navigational structure or presentation of the platform.

You will not engage in any unauthorized access attempts, such as hacking or password mining, to gain access to any part of the Platform, other connected systems or networks, servers, computers, or services offered through the Platform.

At Wegofin Digital, we are committed to maintaining the integrity and security of our platform, and we appreciate your cooperation in adhering to these principles.

By using our service, you agree to indemnify, protect, and hold harmless Wegofin Digital, its affiliates, contractors, employees, officers, directors, agents, and third-party suppliers, licensors, and partners from any claims, demands, actions, or suits brought against Wegofin Digital and against all losses, damages, liabilities, costs, charges, and expenses arising from or related to:

• Your misuse of the Site/application or the services provided by Wegofin Digital.
• Violation of the Terms of Use or Applicable Agreement.
• Breach of the representations, warranties, and covenants contained in these Terms of Use or Applicable Agreement.
• Violation of any Applicable Law leading to claims, legal notices, or quasi-legal proceedings involving Wegofin Digital by anyone, including governmental authorities.
• Failure to obtain any required statutory or regulatory approvals to fulfill your obligations with Wegofin Digital.
• Any liability, claims, damages, costs, or expenses incurred due to your actions or violations under Section 269ST of the Income Tax Act, 1961, when acting as a collection agent for the Company.

Wegofin Digital retains the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify Wegofin Digital. You agree to assist Wegofin Digital in defending and settling such claims, and Wegofin Digital will make reasonable efforts to inform you when aware of any claim, action, or proceeding covered by this indemnity.

Wegofin Digital and its officers, directors, employees, and agents disclaim all express or implied warranties to the fullest extent permitted by Applicable Law. This includes implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. Any advice or Information obtained from Wegofin Digital or through its services or the Site does not create any warranty not expressly stated herein. Wegofin Digital does not authorize anyone to make warranties on its behalf, and Users should not rely on any such claims.

Users acknowledge that Wegofin Digital acts as a reseller and is not responsible for the obligations of third-party suppliers. Users are responsible for assessing the accuracy, completeness, and use of any views, advice, products, or other information offered via the Site or on the internet in general. Wegofin Digital does not guarantee the continuous availability of its services, freedom from errors, viruses, or other harmful components, or the resolution of any such flaws. Wegofin Digital services, the Site, and all related data and Information are provided "as is" and "as available," "with all faults," without any express or implied warranties or representations.

Wegofin Digital and/or its third-party licensors own and operate the Site and its services. Various elements of Wegofin Digital's services and the Site are protected by Applicable Law, including visual interfaces, graphics, designs, compilations, information, computer code, products, software, services, and other elements. Users acknowledge that Wegofin Digital owns all Materials and Intellectual Property, along with its licensors and suppliers.

Users agree not to remove, obscure, or alter copyright, patent, trademark, or other proprietary rights notices on Wegofin Digital's services. Users shall not sell, license, distribute, copy, modify, publicly display or perform, transmit, publish, edit, adapt, create derivative works from, or engage in any other unauthorized use of Wegofin Digital's Materials or Intellectual Property.

Under the terms of this Agreement, neither Party acquires any rights or interests in the Intellectual Property of the other Party. Parties shall not reverse-engineer or disassemble each other's Intellectual Property, nor allow others to do so.

Wegofin Digital reserves the right to change, modify, add, or remove these Terms of Use at any time by posting a notice on the Site or otherwise notifying Users. These changes apply immediately to payment transactions initiated after the initial posting date and are considered accepted by Users after 24 hours. If you disagree with any modification, your sole remedy is to terminate your use of the Services.

Users must maintain the confidentiality of Confidential Information. Users agree to protect Sensitive Information with the same security and care as their own confidential Information and to use it only in connection with the relevant Transaction. Users acknowledge the sensitivity and confidentiality of maintaining customer data and transaction records and agree not to breach these obligations.

Wegofin Digital reserves the right to suspend or terminate your access to the Wegofin Digital Platform and Services without prior notice if :

• You violate these Terms of Use or any Wegofin Digital policies.
• You engage in restricted, illegal, fraudulent, or abusive activities.
• Wegofin Digital has reason to believe that the Information you provided is incomplete, inaccurate, or false.
• Termination shall not prejudice any other remedies available to Wegofin Digital.

These Terms of Use are governed by the laws of India, without regard to conflict of law principles, and are under the exclusive jurisdiction of Indian courts.

Wegofin Digital shall not be liable for failing to perform its duties under these Terms of Use due to events beyond its reasonable control. In such cases, Wegofin Digital will notify you in writing, and its performance obligations will be extended accordingly. If the delay exceeds ninety days, either Party may terminate the unperformed portions of these Terms of Use.

You can expect to receive important notices and communications from Wegofin Digital through various channels, such as email, regular mail, posts on our website(s), or any other reasonable means. In case you need to contact our Legal Department, please use secure methods such as courier, registered mail, or registered fax, unless stated otherwise in this agreement.

At Wegofin Digital, we want to make it clear that our failure to exercise or enforce any rights or provisions outlined in these Terms and Conditions should not be interpreted as a waiver of those rights or provisions. Any waiver of a specific provision within these Terms and Conditions must be made in writing and signed by Wegofin Digital. We believe in transparency and clarity when it comes to our legal agreements.

If you have any questions, concerns, or need to get in touch with us regarding these Terms and Conditions, please don't hesitate to reach out to our dedicated support team. You can contact us through the following means: