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Welcome to Prismera Technologies, operated by PRISMERA TECHNOLOGIES PRIVATE LIMITED. Your trust is our priority, and we appreciate the chance to provide our services. The words "We," "Our," and "Us" indicate Prismera Technologies, while "You," "Your," and "User" refer to any individual or entity using our platform. These Terms & Conditions define the legal framework that governs your access and utilization of our payment gateway services.

We strongly encourage you to review these Terms & Conditions carefully before making use of the site. Continuing to use this platform represents your acceptance of all provisions described below. If any section is unacceptable to you, you should immediately discontinue use. Updates may be introduced from time to time, and consistent usage signals agreement to the modified terms.

Agreement to Terms

When you use or access the platform, you consent to be bound by these Terms along with our Privacy Policy. Should you disagree with any clause, you must refrain from accessing or using our Services.

Eligibility and Account Registration

To register and make use of our Services:

• You must be no less than 18 years of age and legally capable of entering binding agreements.
• You should operate a recognized business in compliance with applicable laws.
• You are required to successfully complete our KYC (Know Your Customer) verification process by providing appropriate documentation and proof of identity.
• You alone bear responsibility for keeping your login information and account credentials confidential. Any action from your account will be considered authorized by you unless proven otherwise.
• We retain the authority to approve or reject registration requests at our discretion.

Scope of Services

Prismera Technologies delivers payment processing solutions, enabling merchants to receive payments via credit cards, debit cards, UPI, internet banking, and e-wallets. Integration methods like APIs, plugins, and POS system links are offered. Additional functionalities can include subscription management, invoicing, payment links, QR codes, and real-time reports. Verified settlements will be transferred to your bank account. Services may be enhanced, modified, or withdrawn at any time.

We hold the right to alter, discontinue, or introduce new services without prior obligation.

User Obligations

As a user, you agree to:

• Provide correct and updated financial and business data.
• Employ the Services exclusively for lawful commercial intentions.
• Safeguard login credentials and API keys against misuse.
• Promptly report unauthorized access, potential fraud, or compromised accounts.

Fees and Settlement

Charges for our Services are specified in your Merchant Agreement or accessible through the Dashboard. We reserve rights to amend fee structures with advance notification. Taxes are not included unless specified, and you are solely accountable for paying taxes to authorities. You will be held liable for chargebacks initiated by customers. Refunds will be managed under our policies and timelines.

We may review or modify fee policies at any time, with notice given through your dashboard or email.

Prohibited Activities

You are forbidden from conducting illegal, fraudulent, or unauthorized transactions using our Services. This prohibition covers sales of drugs, adult material, counterfeit goods, gambling services, firearms, or any goods/services banned by law. You may not tamper with security protocols, exploit system flaws, or manipulate the platform. Breaches will lead to immediate account suspension, fund withholding, and possible legal prosecution.

Risk Monitoring and Fraud Management

Our system applies automated monitoring, risk scoring algorithms, and AI-based fraud detection to ensure protection of merchants and customers. Suspicious transactions may be held, delayed, or reversed. In cases of confirmed fraudulent activity, accounts may be frozen or terminated without prior warning. You are responsible for chargebacks, financial damage, and regulatory sanctions caused by unlawful activities through your account.

Data Privacy and Security

We prioritize your and your customers’ privacy. All personal and transactional details are managed under relevant data protection laws and our Privacy Policy. Our systems are employing encryption, access controls, and authentication for security. Data may be used for purposes such as transaction processing, compliance, fraud checks, and technical improvements. Storing cardholder information on your own servers is prohibited unless allowed by relevant security and compliance guidelines.

Intellectual Property

All intellectual property of the platform—including code, design, brand elements, trademarks, text, and documentation—belong solely to PRISMERA TECHNOLOGIES PRIVATE LIMITED or licensors. A restricted, non-sublicensable, and non-transferable license is granted to use Services solely for legitimate business purposes. Unauthorized duplication, reverse engineering, sublicensing, or exploitation without written approval is not allowed. Usage of branding or marketing assets requires prior authorization.

Third-Party Services

Our Services may integrate with banks, networks, logistics partners, CRM systems, or analytical platforms. We are not responsible for the functioning, policies, or disruptions of such external services. Any damages or losses from reliance on these integrations are your responsibility and subject to third-party policies.

Termination & Suspension

We may suspend or terminate Services if Terms are violated, suspicious activity is identified, or regulatory orders demand such action. Suspension may be temporary or permanent depending on the breach. All dues, settlements, or obligations must be cleared upon termination. Funds may be withheld during investigations until resolution.

Dispute Resolution

Our dispute resolution team will attempt amicable resolution of conflicts first. For transaction disputes such as chargebacks, we will collaborate with acquiring banks and card networks as per protocols. If unresolved, legal remedies may be pursued under governing law and jurisdiction.

Limitation of Liability

As permitted by law, Prismera Technologies bears no liability for indirect, incidental, or consequential damages, including data loss, revenue loss, or interrupted services. We do not warrant error-free or continuous Services.

Indemnification

You agree to hold PRISMERA TECHNOLOGIES PRIVATE LIMITED, along with its officers, staff, and partners, harmless and indemnified against any claims, responsibilities, damages, losses, or attorney costs arising from misuse of Services, breach of these Terms, or fraudulent or unlawful activity conducted through your registered account.

Governing Law and Jurisdiction

These Terms are to be construed and enforced under the laws of India. Any conflicts arising from or connected to these Terms fall within the exclusive jurisdiction of courts situated in India.

Force Majeure

We disclaim liability for delays or non-performance of obligations under these Terms when caused by events outside our reasonable influence, including natural calamities, epidemics, conflicts, terrorism, cyber intrusions, technical disruptions, labor disputes, or governmental actions.

Amendments and Modifications

We may revise or update these Terms anytime. Changes will be displayed with an updated “Last Updated” date on our website. Continued use after modifications indicates acceptance. Reviewing terms regularly is your responsibility.

Severability and Waiver

If a court of competent authority declares any section of these Terms void or unenforceable, the other clauses shall continue to remain fully effective. Our choice not to enforce any condition shall never be considered a waiver of our entitlement to enforce that condition later.

Contact Information

For complaints, queries, or notices, you may contact us at info@prismeratechnologies.com.