This document/agreement/understanding is a computer-generated electronic record published in terms of Rule 3 of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 (amended from time to time) read with Information Technology Act, 2000 (amended from time to time) and does not require any physical or digital signatures.

These Terms and Conditions (“Terms”) constitute a legal agreement between You and Rellancer Software Solution Pvt. Ltd. (“Rellancer” or “us”, or “we” or “our””). The Terms, constituted of Part A: General Terms and Conditions and Part B: Specific Terms and Conditions, govern Your access to and use of BOBPEY services, including payments, technology, software, analytics, or any other services, tools, or products offered or made available by Rellancer and/or its Affiliates, and/or their Facility Providers (“Services”). The Services may be offered or made available to You via our website, mobile applications, software, APIs, social media, or other access channels (“Platform”). “You”, “Yours”, “Yourself” or “Merchant” refers to customers, who may be a non-registered individual or corporate body, who register for, use, or access the Platform or Services. The Services provided by Rellancer through the BOBPEY Merchant Platform are available and are appropriate only for use in India.

Please read these Terms carefully before accessing the Platform or using the Services. By accessing the Platform or using the Services, You agree to be bound by these Terms, including our Privacy Policy and any other policy applicable to the Services received via the Platform. If You do not agree to these Terms or do not wish to be bound by these Terms, You must immediately terminate the use of the Services. Rellancer Software Solution Pvt. Ltd. reserves the right to amend or otherwise modify the Terms at any time by posting an updated version on the website. The updated Terms shall take effect immediately upon posting. It is Your responsibility to review these Terms periodically for updates/amendments. Your continued access of the Platform or use of the Services signifies Your assent/ratification of the updated or modified Terms. If You object to these Terms or any subsequent modifications to these Terms in any way, Your only recourse is to immediately terminate the use of the Services.

We may require You to agree to additional terms in connection with specific Services, provided either by Rellancer Software Solution Pvt. Ltd. or its Affiliates, that You may avail from time to time. You agree to be bound by supplemental terms of any specific Service that You access or use via our Platform and/or are available by hyperlink on our Platform. We may ask You to agree to those supplemental terms by way of ‘acceptance’. Should You choose to avail any specific Service, You may be required to complete forms and provide additional data/information. You hereby give your consent for us to store and use the data/information You provide on the Platform during (i) the initial sign-up/registration process and (ii) registration or onboarding for any specific Service in the future. You hereby further give Your consent for us to pre-fill forms for the registration or onboarding process of any specific Service with such data/information provided. You acknowledge and agree that we reserve the right to verify, and re-verify where applicable, the data/information You provide in relation to any specific Service. Your right to access and use any specific Service is subject to the successful completion, at our sole discretion, of the registration or onboarding process for that specific Service. To the extent these Terms are inconsistent with any supplemental terms for a specific Service, then those specific terms shall prevail over these Terms. You further agree that any claims relating to any specific Services shall be brought solely against the BOBPEY Merchant Affiliate providing the specific Services.

Where You intend to avail online as well as offline payment aggregation services, You understand and agree that online Services will be provided by Rellancer Software Solution Pvt. Ltd., and offline Services will be provided by an Affiliate of Rellancer Software Solution Pvt. Ltd. operating under BOBPEY. You acknowledge and agree that the provision of offline payment aggregation services by BOBPEY Merchant will be governed by Part A: General Terms and Conditions along with Part VII: Specific Terms for Offline Aggregation Services and Devices of Part B: Specific Terms and Conditions enumerated below. For the avoidance of doubt, the reference to Rellancer Software Solution Pvt. Ltd. under Part A: General Terms and Conditions shall include BOBPEY as well.

1. PROPRIETARY RIGHTS

1.1 We (and our licensors, as applicable) remain the sole owner of all rights, title, and interest in the Services, including the Platform and the website merchant.bobpey.com (“website”), including any intellectual property rights which subsist in the Services (whether registered or not). Rellancer Software Solution Pvt. Ltd. grants You a personal, non-exclusive, non-transferable, limited right to access the Platform and make personal use of the website and the Services. You shall not remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services.
We reserve all rights not granted under these Terms. Rellancer Software Solution Pvt. Ltd. (and its licensors, as applicable) retains its rights in and to trademarks, trade names, service marks, logos, domain names, and other distinctive brand features (“marks”) owned or used by us in the course of our business. You do not have the right to use any of our marks without explicit consent from us.
You shall not download, copy, create a derivative work, modify, reverse engineer, reverse assemble, transmit, or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in, or otherwise transfer any right in the Services or marks. You further acknowledge and agree that the Services may contain information that is designated confidential by us, and You shall not disclose such information without our prior written consent.

1.2 You grant a royalty-free, non-exclusive, irrevocable, transferable and sub-licensable license to Rellancer / BOBPEY Merchant, its Affiliates and third party service providers, to use Your data, Your customer’s data, information, content, trademarks, logos and any other materials/information You upload or make available to us or on the Platform (“Your materials”). You agree that Rellancer / BOBPEY Merchant may use Your materials to operate and improve the Platform, provide the Services, and fulfil Rellancer’s rights and discharge its obligations under the Terms. You agree that Rellancer may use Your materials in its marketing and promotional materials without requiring any incremental consent from You. You further agree that Rellancer may conduct analytics on Your materials and that Rellancer / BOBPEY Merchant shall retain ownership of the results or reports derived from such data which shall be in aggregated and anonymised form for its business purposes in accordance with Applicable Laws. You shall indemnify and hold harmless Rellancer / BOBPEY Merchant, its Affiliates and its service providers on demand against all claims and losses arising out of or in connection with our use of Your Materials in accordance with this clause.

2. USAGE OF THE WEBSITE AND USE OF SERVICES BY THE USER

2.1 You shall register to become a user of the Website only if You are of the age of 18 or above and can enter into binding contracts as per Applicable Laws. You are responsible for maintaining the secrecy of Your passwords, login and account information. You are responsible for maintaining the confidentiality of any login information and secure access credentials associated with Your BOBPEY account. You will be responsible for all use of the Platform and/ or Services by You or anyone using Your password and login information (with or without our permission). You are responsible for all activities that occur under Your account/in using Your secure credentials and Rellancer shall not be liable for any such change or action performed by using Your secure credentials on the Website.

2.2 You agree to provide true, accurate, current and complete information about Yourself as and when prompted by the Platform. If You provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate or incomplete), or Rellancer / BOBPEY Merchant has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, Rellancer / BOBPEY Merchant shall have the right to immediately suspend or terminate Your account and/or refuse any and all current or future use of the Platform or Services, or any portion thereof, in connection thereto.

2.3 By using the Services and providing your contact information, you consent to receiving information about, and offers for, various products and services from Rellancer / BOBPEY Merchant, its Affiliates or third parties. These communications may occur through various channels, including but not limited to telephone, SMS, email, WhatsApp, other messaging services, or any other physical, electronic, or digital means. You agree that Rellancer / BOBPEY Merchant may contact you electronically or by phone to gauge your interest in specific products and services and to process your requests or applications. Additionally, you authorize Rellancer & BOBPEY, along with its partners, service providers, vendors, and other third parties, to contact you for purposes such as (i) presenting or soliciting your interest in other products or services from third parties, or (ii) sending marketing materials, offers, or other information through the Website or via other methods including telephone, SMS, email, WhatsApp, or other messaging services or digital means. You consent to receiving these communications on the phone or mobile number you provided on the website and explicitly waive any registration or preferences listed under the Do Not Disturb (DND) or National Customer Preference Register (NCPR) in accordance with Telecom Regulatory Authority of India (TRAI) regulations.

2.4 You agree and authorize Rellancer / BOBPEY Merchant to share your information with its partner banks, financial institutions, group companies, Affiliates, vendors, service providers, and other third parties as necessary to provide the various products and services you select or to offer additional value-added services. You also consent to receiving communications via email, telephone, and/or SMS from BOBPEY or these third parties. If you request to opt out of receiving such communications or marketing materials in the future, this request will only apply prospectively and will not affect data that has already been shared by Rellancer / BOBPEY Merchant with your prior consent.

2.5 By accessing the Platform or using our Services, You acknowledge and agree that we may display offers, promotions, and other content from our partners, Affiliates, and third parties to You or Your end users. These offers and promotions may be tailored based on the information provided, including past information on our Platform or by Your or end users use of our Services. We may leverage the data, including personal data, that You or Your end users submit to personalize and optimize these offers, ensuring that they are relevant and valuable to You, and You explicitly consent to such usage. This may include, but is not limited to, Your or Your end user preferences, interactions, and usage patterns on our Platform. We do not guarantee the accuracy, quality, or suitability of any offers presented, and such offers may be subject to additional terms and conditions. Your, or an end user’s, engagement with these offers is solely at Your discretion.

2.6 You acknowledge and agree that for undertaking any payment and/or financial transaction through the Platform, Rellancer / BOBPEY Merchant may undertake due diligence measures and seek information required for KYC purposes, which as a customer/merchant You are obliged to give in accordance with Applicable Laws. You acknowledge and agree that Rellancer / BOBPEY Merchant may undertake enhanced due diligence measures (including any documentation), to satisfy itself relating to due diligence requirements in line with the requirements and obligations under Applicable Laws. You are solely responsible for understanding and complying with all Applicable Laws, including but not limited to the provisions of the RBI Guidelines on Regulation of Payment Aggregators and Payment Gateways, Payment and Settlement Systems Act, 2007, Prevention of Money Laundering Act, 2002, KYC Guidelines, etc. issued by the RBI as may be amended from time to time that may be applicable to You in connection with Your business and use of Platform or Services.

2.7 You agree and covenant that before the commencement of any Service(s) under these Terms, You shall provide the necessary documents (as determined in Rellancer's sole discretion or when required by Facility Providers or governmental authorities or law enforcement agencies) (“KYC Documents”) to enable Rellancer to conduct the due diligence in respect of You and Your business / activities. Rellancer shall have the right to share the KYC Documents (or the information therein) and other related documents with the Facility Providers or governmental authorities or law enforcement agencies, as required under the Applicable Laws. You expressly consent Rellancer to rely on the KYC Documents provided by You for providing Services. You further acknowledge and agree that Rellancer reserves the right at all times to monitor, review, retain and/or disclose any information in relation to the Service(s) as necessary pursuant to satisfy any Applicable Laws, legal process or governmental request.

2.8 You agree and covenant that before the commencement of any Service(s) under these Terms, You shall provide the necessary documents (as determined in Rellancer's sole discretion or when required by Facility Providers or governmental authorities or law enforcement agencies) (“KYC Documents”) to enable Rellancer to conduct the due diligence in respect of You and Your business / activities. Rellancer shall have the right to share the KYC Documents (or the information therein) and other related documents with the Facility Providers or governmental authorities or law enforcement agencies, as required under the Applicable Laws. You expressly consent Rellancer to rely on the KYC Documents provided by You for providing Services. You further acknowledge and agree that Rellancer reserves the right at all times to monitor, review, retain and/or disclose any information in relation to the Service(s) as necessary pursuant to satisfy any Applicable Laws, legal process or governmental request.

2.9 You agree that Rellancer / BOBPEY Merchant shall not be responsible for any delivery, after-sales service, payment, invoicing or collection, customer enquiries (not limited to sales enquiries), technical support maintenance services and/or any other obligations or services relating to or in respect of Your products or services. Such obligations shall be Your sole responsibility. You shall indemnify Rellancer / BOBPEY Merchant against any claim arising from such services or obligations and shall bear any and all expenses and/or costs relating thereto.

2.10 Throughout Your use of the Services, You declare that You or Your affiliates and/ or its Beneficial Owner are not a Politically Exposed Person. You shall forthwith inform us in writing if this declaration becomes untrue during any period of Your use of the Services. Capitalised terms used here but not defined shall have the meaning ascribed to them in the KYC Guidelines issued by the RBI, as amended from time to time.

2.11 The usage of the Platform may also require You to provide consent for providing Your Personal Information (“PI”) (including but not limited to any personal data or sensitive personal data as defined under Applicable Laws) or to authorize Rellancer / BOBPEY Merchant to derive Your data/information from any source or public registry or portal, as may be necessary to complete Your profile or Your application on the Platform, conduct due diligence on You, undertake KYC checks by itself or any other third party and/or to provide You Services through this Platform. You explicitly authorise Rellancer / BOBPEY Merchant to rely on such information and You represent and warrant that such information shall be and shall remain true and accurate. Rellancer / BOBPEY Merchant shall adhere to best industry practices including information security, data protection and privacy law while processing such applications. However, Rellancer / BOBPEY Merchant shall not be liable to You against any liability or claims which may arise out of such transactions as any such PI is being collected, used, processed and shared with Your explicit consent.

2.12 You agree not to use the Platform and/or Services for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to You. We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict Your access to all or any component of the Platform and/or Services.

2.13 You are prohibited from posting or transmitting to or through this Platform: (i) any unlawful, threatening, libellous, defamatory, obscene, pornographic or other material or content that would violate rights of publicity and/or privacy or that would violate any law or that harms minors in any way; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party; (iv) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; (v) threatens the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting to any other nation; (vi) impersonates another person; or (vii) is illegal in any other way. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from Your posting of content to this Platform.

2.14 You represent and and warrant that:
(a) You are duly incorporated or established under the laws of Your jurisdiction and have all requisite power and authority to own and operate Your business.
(b) You have the full legal capacity and power to enter into, exercise Your rights under, and perform Your obligations under these Terms.
(c) The execution, delivery and performance of these Terms has been authorized by all necessary corporate and organizational actions including but not limited to board resolution and/or power of attorney and/or letter of authority to bind Your business and Your company/firm/organization.
(d) You have duly accepted these Terms, which form a legal, valid and binding obligation, enforceable in accordance with its clauses.
(e) You do not, and shall not, engage in any activity related to virtual currency, cryptocurrency and other crypto products (like non-fungible tokens or NFTs), prohibited investments for commercial gain or credits that can be monetized, re-sold or converted to physical or digital goods or services or otherwise exit the virtual world. Any breach of this provision shall be subject to immediate suspension or termination of Your access to or use of the Platform or any or all Services, at Rellancer's sole discretion. You shall indemnify Rellancer from any losses arising from Your breach of this provision.

2.15. You further represent, warrant, and covenant that:
(a) Your use of the Platform and Services and sale of Your products/services are solely for Your own bona fide business activities which are in compliance with the Applicable Laws and also the instructions issued from time to time by the Rellancer / BOBPEY Merchant and its Facility Providers.
(b) Your use of the Services corresponds to those activities under the categories You have expressly registered for at the time of entering into these Terms and as set out in Your onboarding form on the BOBPEY's dashboard or as otherwise approved in writing by Rellancer / BOBPEY Merchant.
(c) You shall not resell or assign the Services, in whole or in part, or otherwise allow the use of the Services by any third parties, including Your affiliates.
(d) Your use of Services does not facilitate any activity which is unlawful, illegal, unauthorised, is carried on with the intent to defraud, or is likely to result in Your unjust enrichment and/or unlawful gain.
(e) Your use of Services does not facilitate the offer, sale or purchase of prohibited products and/or services specified under these Terms.

2.16. You hold express informed consent of Your customers to share customers’ information, including personal data, with Rellancer / BOBPEY Merchant and its affiliates (i) in connection with provision of Services to You and other users of the Platform or Services, (ii) for the purposes of sharing such information with governmental authorities as and when demanded under Applicable Laws, (iii) for the purpose of transaction tracking and fraud prevention, or (iv) pursuant to regulatory authorities' orders and/or notices including but not limited to notices under Section 91 of CrPC.

2.17. You acknowledge that the Services are of complex nature and require the intervention of the Facility Providers. You acknowledge and agree that Rellancer shall only be liable for acts or omissions which are solely and directly attributable to Rellancer / BOBPEY Merchant.

2.18. In order to avail the Services, You shall take all necessary steps to facilitate the integration of Rellancer's solutions with Your platform. It is hereby clarified that any Server to Server (S2S) integration, if done, shall be solely for the purpose of availing the Services and intended to be used or accessed only by You.

2.19. You shall assist Rellancer / BOBPEY Merchant in furnishing to its auditors, the Facility Providers, governmental authorities, or law enforcement agencies, forthwith upon request from time to time, KYC Documents, relevant books, the original copy / copies of proof of transactions, invoices or other records, including pertaining to any order placed by Your customers. You shall retain records relating to transactions for a period of 10 (ten) years from the relevant date of the order placed on Your site. Rellancer / BOBPEY Merchant and the Facility Providers, and/or governmental agencies and/or law enforcement agencies shall be entitled to audit and inspect the records and other data relating to the customer's orders at any time whatsoever and without any prior notice. You shall ensure cooperation with Rellancer / BOBPEY Merchant, its auditors, Facility Providers, governmental authorities, or law enforcement agencies for any audit, inspection or pursuant to any other request.

2.20. You shall not (whether online or otherwise): (i) describe Yourself as an agent or representative of Rellancer / BOBPEY Merchant or the Facility Provider; (ii) represent that You have any rights to offer any products or services offered by Rellancer / BOBPEY Merchant or the Facility Provider; and (iii) make any representations to Your customer or any third party or give any warranties which may require Rellancer / BOBPEY Merchant or Facility Provider to undertake to or be liable for, whether directly or indirectly, any obligation and/or responsibility to Your customer or any third party.

2.21. When a customer purchases goods or services from You, You may, in Your sole discretion, impose any convenience fee on the customer. Any responsibility or losses incurred by Rellancer / BOBPEY Merchant as a result of the charge of any such convenience fee by You to Your customers shall be borne by You. You shall also indemnify Rellancer / BOBPEY Merchant for such liability or losses.

3. PAYMENT

3.1. Applicable fees for the provision of Services shall be levied by Rellancer from time to time. You agree that the fees shall be charged according to the manner, rates and frequency determined by Rellancer. Rellancer / BOBPEY Merchant reserves the right to update the amount of the fees charged at its sole discretion. Rellancer / BOBPEY Merchant fees allow access to the entire suite of payments products, dashboard and custom reports, and includes MDR charges, if any, for payment instruments as prescribed under applicable guidelines. For clarity, Rellancer / BOBPEY Merchant fees include zero MDR for Rupay Debit Cards and UPI transactions.

3.2. Fees are exclusive of applicable taxes and Rellancer will charge such applicable taxes on the fees from time to time. You agree that any statutory variations in applicable taxes during the subsistence of these Terms shall be borne by You.

3.3. We will raise monthly invoices in respect of fees charged for Services provided during such month. Invoices are available on the dashboard on a monthly basis. Any dispute in respect of an invoice must be communicated by You to us via a notice no later than ten (10) days from the date of the invoice. Rellancer / BOBPEY Merchant shall use good faith efforts to reconcile any reasonably disputed amounts.

3.4. You shall be responsible to do reconciliation on a daily basis for all the transactions processed. In case of discrepancies, You shall report to Rellancer / BOBPEY Merchant regarding such discrepancy within three (3) days upon the receipt of the funds. Rellancer / BOBPEY Merchant shall not be liable for any reconciliation issue if the same is highlighted by You to Rellancer / BOBPEY Merchant after such time.

3.5. For fees deducted upfront before provision of the specific Service, it is agreed that if You deposit applicable taxes under Section 194H of the Income Tax Act, 1961 (in respect of invoices received by You) and furnish to Rellancer Form 16-A in respect of such taxes paid, then Rellancer shall reimburse to You, on a quarterly basis, the amount in respect of such taxes paid. In all other cases, with respect to invoices received by You, at the time of payment of the Fees, You will withhold applicable taxes under Section 194H of the Income Tax Act, 1961 (in case LTDC is provided as per the LTDC issued). You shall deposit the withheld taxes with the government treasury, file the statutorily mandated returns and furnish the requisite tax deduction certificate (Form 16-A) to Rellancer within one hundred and eighty (180) days so as to enable Rellancer to obtain full credit for the taxes deducted at source.

3.5 A. If You operate as an e-commerce operator, facilitating the sale of goods or provisions of services of a resident e-commerce participant, You shall evaluate and comply with the requirements of TDS under Section 19.40 of the Income Tax Act, 1961. You, as an e-commerce operator, will withhold tax under Section 19.40 of the Act and deposit the same within the applicable timelines, including carrying out all the necessary compliances as prescribed under the Income Tax Act, 1961. As the payment service provider, Rellancer / BOBPEY Merchant would not be obligated to deduct tax under Section 19.40 and the same will be Your responsibility as the e-commerce operator. For the purposes of this clause

3.5A, "e-commerce operator" and "e-commerce participant" shall have the meaning assigned to them in section 19.40 of the Income Tax Act, 1961.

3.6. You shall be solely responsible for updating Your GST registration number on the BOBPEY dashboard before Rellancer generates the invoice and shall also submit the GST certificate as part of KYC. Rellancer will raise a GST tax invoice and report the transactions in the GST returns based on the information provided by You. The GST returns will be filed as per the statutory timelines, to enable You to avail appropriate input tax credit. Rellancer / BOBPEY Merchant shall not be responsible for any mistake and or misrepresentation by You in updating the GST number and other particulars as per the GST certificate. Further, any liability raised on Rellancer by the GST authorities due to incorrect information provided by You or deliberate withholding of any statutory information by You shall be recovered by Rellancer from You.

3.6A In order for Rellancer to issue a proper B2B tax invoice under the GST law and to ensure GST input credit is available to You, Rellancer shall record Your correct GSTIN. Towards this, You are advised to verify Your GSTIN and registered address captured within the account maintained with Rellancer at periodical intervals and correct the same wherever necessary. In the event, correct GSTIN is not updated in Your account maintained with Rellancer, then You shall be solely responsible in respect thereof and Rellancer shall not be liable to accommodate any request for revision of invoice and / or amendment to GST reporting.

4. PRIVACY POLICY

By using the website, You hereby consent to the use of Your information as we have outlined in our Privacy Policy.

5. THIRD PARTY LINKS / OFFERS

The Platform contains links to other websites over which we have no control. We encourage You to review the terms and privacy policies of those other websites so You can understand Your use of the websites and how they collect, use and share Your information. Rellancer / BOBPEY Merchant is not responsible for the terms and conditions, privacy policies or practices of other websites to which You choose to link from the Platform. You further acknowledge and agree that Rellancer / BOBPEY Merchant shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or Rellancer / BOBPEY Merchant on any such content, goods or services available on or through any such site or resource. Your interaction with any third party accessed through the website is at Your own risk, and Rellancer / BOBPEY Merchant will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from Your interactions with the third parties.

6. DISCLAIMER OF WARRANTY

To the maximum extent permitted by Applicable Laws, the Platform and the Services are provided on an “as is” basis. You acknowledge that Rellancer / BOBPEY Merchant does not warrant that the Service(s) will be uninterrupted or error free or fit for Your specific business purposes.

7. LIMITATION OF LIABILITY

8.1. Rellancer / BOBPEY Merchant (including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) any injury, death, loss, claim, act of God, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with (i) any failure or delay (including without limitation the use of or inability to use any component of the Platform), or (ii) any use of the Platform or Services or content therein, or (iii) the performance or non-performance by us or any Facility Provider, even if we have been advised of the possibility of damages to such parties or any other party, or (iv) any damages to or viruses that may infect Your computer equipment or other property as the result of Your access to the Platform or Services or Your use of any content therein.

8.2. Notwithstanding anything under these Terms, Rellancer's aggregate liability and that of its affiliates, officers, employees and agents relating to the Service(s), will not exceed an amount equal to one (1) month fees paid by You for the specific Service(s) giving rise to the liability. Rellancer's liability under or in connection with Terms will be proportionately reduced to the extent any loss or damage is contributed to by You or Your third party providers.

8. INDEMNITY

You agree to indemnify and hold Rellancer / BOBPEY Merchant (and its officers, affiliates, group company, directors, agents and employees) harmless from any and against all claims, whether or not brought by third parties, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to Your breach of these Terms, Your violation of any Applicable Laws or the rights of a third party, or Your use of the Platform or any disputes between You and any third party. The covenants of indemnity set forth herein shall survive and continue even after the termination of Your use of the Services.

9. CARD ASSOCIATION RULES

9.1. "Card Payment Network Rules" refer to the written rules, regulations, releases, guidelines, processes, interpretations and other requirements (whether contractual or otherwise) imposed and adopted by the card payment networks. These card payment networks have infrastructure and processes to enable transaction authorisation. The card payment networks require You to comply with all applicable guidelines, rules, and regulations formulated by them.

9.2. The card payment networks reserve the right to amend their guidelines, rules and regulations from time to time. We may be required to amend, modify or change these Terms pursuant to amendments to the Card Payment Network Rules and such amendments, if any, shall be deemed to be binding on You with immediate effect.

9.3. You agree to fully comply with all programs, guidelines, requirements that may be published and/or mandated by the card payment networks. Notwithstanding our assistance in understanding the Card Payment Network Rules, You expressly acknowledge and agree that You are assuming the risk of compliance with all provisions of the Card Payment Network Rules, regardless of whether You are aware of or have access to those provisions. For illustration purposes - MasterCard, Visa, Diners, RuPay and American Express make excerpts of their respective rules available on their internet sites.

9.4. In the event that Your non-compliance of Card Payment Network Rules, results in any fines, penalties or other amounts being levied on or demanded of us by a card payment network, then without prejudice to our other rights hereunder, You shall forthwith reimburse us in an amount equal to the fines, penalties or other amount so levied or demanded or spent by us in any manner in relation to such fines, penalties and levies. If You fail to comply with Your obligations towards the card payment networks, Rellancer / BOBPEY Merchant may suspend settlement or suspend/terminate the Services forthwith.

10. WAIVER

Rellancer / BOBPEY Merchant shall not be deemed to have waived any right or provision of this Agreement unless such waiver is made in writing. A waiver of any term or condition of this Agreement shall not be deemed a waiver of any other term or condition, nor shall it be a continuing waiver.

11. FORCE MAJEURE

If performance of Services/Platform by Rellancer / BOBPEY Merchant is prevented, restricted, delayed or interfered with by reason of labour disputes, strikes, acts of God, epidemic, pandemic, floods, lightning, severe weather, shortages of materials, rationing, inducement of any virus, malware, trojan or other disruptive mechanisms, any event of hacking or illegal usage of the Platform, utility or communication failures, earthquakes, war, revolution, acts of terrorism, civil commotion, acts of public enemies, blockade, embargo or any law, order, proclamation, regulation, ordinance, demand or requirement having legal effect of any government, regulatory or any judicial authority or representative of any such government, or any other act whatsoever, whether similar or dissimilar to those referred to in this clause, which are beyond the reasonable control of Rellancer / BOBPEY Merchant, then Rellancer / BOBPEY Merchant shall be excused and discharged from such performance to the extent of and during the period of such force majeure event, and such non-performance shall, in no manner whosoever, amount to a breach by Rellancer / BOBPEY Merchant of its obligations herein or incur any legal liability on Rellancer / BOBPEY Merchant.

12. ANTI BRIBERY AND SANCTIONS LAWS

You agree to comply with all applicable anti-bribery and anti-corruption laws which prohibit officials, representatives, agents or any other person associated with or acting on behalf of You from giving, offering, promising to offer, receiving/ accepting or acting in any other manner so as to induce a payment, gift, hospitality or anything else of value (either directly or indirectly) whether from within the country or from abroad to government officials, public servants, regulatory bodies, judicial authorities, persons in positions of authority, elected or contesting electoral candidates, political parties or office bearers thereof or any other third party or person in order to obtain an improper commercial/ business advantage of any kind. Government officials include any government employee, candidate for public office, an employee of government- owned or government–controlled companies, public international organisations and political parties. You also agree not to give, offer, pay, promise or authorise to give or pay, directly, indirectly or through any other person, of anything of value to anybody for the purpose of inducing or rewarding any favourable action or influencing any decision in Your favour.

13. ADDITIONAL TERMS

13.1. You shall not assign or otherwise transfer Your rights or obligations under these Terms. Rellancer / BOBPEY Merchant may assign its rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to You. If we fail to act on Your breach or anyone else's breach on any occasion, we are not waiving our right to act with respect to future or similar breaches.

13.2. Rellancer / BOBPEY Merchant may, at its reasonable discretion and in compliance with Applicable Laws, blacklist Your end users to manage fraud and risk. Blacklisted users may be restricted from transactions, and removal of blacklisting may occur based on updated risk assessments. You acknowledge and agree that Rellancer / BOBPEY Merchant may take such measures to protect the integrity of the payment ecosystem. Rellancer is not obligated to provide prior notice or reasons for these actions. You agree to be solely responsible for providing any notification to Your end users.

13.2. Additional terms applicable to the Services provided by Rellancer / BOBPEY Merchant or its Affiliates are as under:
(a) The laws of India, without regard to its conflict of laws, rules, will govern these Terms, as well as Your and our observance of the same. If You take any legal action relating to Your use of the Platform or these Terms, You agree to file such action only in the courts located in Kolkata West Bengal, India. In any such action that We may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees. You acknowledge that You have read and have understood these Terms, and that these Terms have the same force and effect as a signed agreement. This clause shall survive termination of the Terms.
(b) Without prejudice to any other rights or remedies Rellancer / BOBPEY Merchant may have, You hereby agree and confirm that Rellancer / BOBPEY Merchant shall have the right to set-off by whatever means the whole or any part of Your liability to Rellancer / BOBPEY Merchant under these Terms (or any other agreement between You and Rellancer / BOBPEY Merchant or its affiliates) against any funds, sums or other amounts credited to, or owing to, You under these Terms (or any other agreement between You and Rellancer / BOBPEY Merchant or its affiliates). You agree that Rellancer / BOBPEY Merchant may exercise the right of set-off at any time, without any prior notice to You. In the event such set-off does not fully reimburse Rellancer / BOBPEY Merchant for the liability owed, You shall pay Rellancer / BOBPEY Merchant a sum equal to any shortfall thereof.
(c) You shall not (whether on-line or otherwise): (i) describe Yourself as an agent or representative of Rellancer / BOBPEY Merchant or any Facility Provider; (ii) represent that You have any rights to offer any products or services offered by Rellancer / BOBPEY Merchant or the Facility Provider; and (iii) make any representations to Your customer or any third party or give any warranties which may require Rellancer / BOBPEY Merchant or Facility Provider to undertake to or be liable for, whether directly or indirectly, any obligation and/or responsibility to customer or any third party. (d) Rellancer / BOBPEY Merchant reserves the right to make changes to the website, related policies and agreements, these Terms and the Privacy Policy at any time as it deems fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the Services and ancillary services, company reorganization, market practice or customer requirements.

13.3. You agree that the fees for any Services under these Terms shall be charged according to the manner, rates and frequency determined by Rellancer / BOBPEY Merchant. Rellancer / BOBPEY Merchant reserves the right to update the amount of the fees including for Services for which no charge has been levied previously in accordance with this clause. You agree that You shall be liable to pay any additional fees as determined by Rellancer / BOBPEY Merchant in the event: (a) You avail certain value-added services available on the dashboard irrespective of whether they have been available free of charge previously. (b) You avail any new Services not mentioned in these Terms. You agree that Your use of any Service or a value-added service shall be construed as a consent to any additional fees which may be levied by Rellancer / BOBPEY Merchant on such additional Service or value-added service.

13.4. An end user may avail dynamic currency conversion ("DCC") services which may be made available by Rellancer / BOBPEY Merchant to an end user, as applicable. The transaction amount payable by the end user towards the purchase of goods or services from a merchant shall be inclusive of charges for such DCC services availed by the end user. An end user may reach out to info@bobpey.com, by providing the payment ID and end user contact number, to get invoices for DCC transactions.

14. ADVERTISING

Some of the Services may be supported by advertising revenue and may display advertisements and promotional material. These advertisements may be targeted to the content of information stored on the Services, queries made through the Services or other information. The manner, mode and extent of advertising by Rellancer / BOBPEY Merchant are subject to change without any specific notice to You. In consideration for Rellancer / BOBPEY Merchant granting You access to and use of the Services, You agree that Rellancer / BOBPEY Merchant may place such advertisements on the Services through website, print media, electronic media, social media, advertising platforms, etc.

15. SUSPENSION AND TERMINATION

15.1. Notwithstanding anything to the contrary, Rellan Rellancer / BOBPEY Merchantcer shall have the right to immediately suspend Services and settlement of any monies or payments to You, without any liability to You, in the event of the following: (a) You breach any clause of these Terms.
(b) You facilitate any transaction which is unlawful or in contravention with ‘Prohibited Products and Services' listed below in clause 17 of Part A: General Terms and Conditions.
(c) Rellancer / BOBPEY Merchant receives instructions from Facility Providers or governmental authorities or law enforcement agencies to either suspend the Services, or part thereof, or directs to suspend the Services or part thereof regardless of whether there is pending investigation/enquiry into any alleged illegal/unlawful activities.
(d) You use the Services for any transactions which have a high-risk score as per Rellancer's internal fraud assessment tools and other policies.
(e) Rellancer / BOBPEY Merchant is of the opinion that there are suspicious circumstances surrounding Your activities.
(f) Rellancer / BOBPEY Merchant is of the opinion that there are pending, anticipated, or excessive disputes, refunds, or reversals relating to Your use of Services.
(g) Your products/services infringe, or are suspected of infringing, intellectual property rights, copyrightable works, patented inventions, trademarks and trade secrets, or You are suspected of selling counterfeit and/or knock-off goods.
(h) You materially change the type of the products/services provided to end customers and as declared on the onboarding form, without obtaining Rellancer's prior written permission to use the Services for the new or changed types of services/products, or it is discovered by Rellancer / BOBPEY Merchant that You provided substantially misleading and/or false information about Your products/services as part of the onboarding activities.
(i) Rellancer / BOBPEY Merchant in its sole discretion determines that Your activities expose Rellancer / BOBPEY Merchant to risks which are unacceptable to Rellancer / BOBPEY Merchant.
(j) Rellancer / BOBPEY Merchant in its sole discretion is required to do so due to regulatory changes impacting the Services.

15.2. These Terms are effective upon the date You first access or use the Platform or Services and continue until such access and use is terminated by You or Rellancer / BOBPEY Merchant. Unless you have a separate offline agreement in relation to use the Services, or any part thereof, these Terms will apply. We may terminate these Terms or close Your Rellancer / BOBPEY Merchant account at any time for any reason (including, without limitation, for any activity that may create harm or loss to the goodwill of Rellancer). Where Applicable Laws require advance notice of termination to be provided, we will, prior to termination, provide You with the required advance notice of termination.

15.3. Termination does not immediately relieve You of obligations incurred by You under these Terms. Upon termination, You agree to stop using the Services. Your continued or renewed use of the Services after termination serves to renew Your consent to the Terms. In addition, upon termination You understand and agree that we will not be liable to You for compensation, reimbursement, or damages related to Your use of the Services, or any termination or suspension of the Services or deletion of Your information or account data; and You will still liable to us for any fees or fines, or other financial obligation incurred by You or through Your use of the Services prior to termination.

16. DEFINITIONS

18.1. “Affiliate” shall mean any entity that directly or indirectly controls, is controlled by, or is under common control with Rellancer / BOBPEY Merchant, whereby “control” (including, with correlative meaning, the terms “controlled by” and “under common control”) means the possession, directly or indirectly, of the power to direct, or cause the direction of the management and policies of such person, whether through the ownership of voting securities, by contract, or otherwise.

18.2. “Applicable Laws ” shall mean (i) any law, statute, rule, regulation, order, circular, decree, directive, judgment, decision or other similar mandate of any applicable central, national, state or local governmental/regulatory authority having competent jurisdiction and force of law over, or applicable to You, us or the subject matter in question, as may be amended from time to time, and (ii) shall without limitation include any notification, circular, directive or other similar instruction issued by the ‘Financial Sector Regulators' including but not limited to the Reserve Bank of India (RBI) and/or rules, regulations, roles, responsibilities and processes as defined by NPCI on their website www.npci.org.in.

18.3. “Chargeback” shall mean the reversal (such reversal being requested by a Facility Provider pursuant to a request from the Facility Provider's customer) of the debit of the Transaction Amount that was charged by You, where the reversal is approved by the Facility Provider following examination of the Transaction related documents and information furnished by You, consequently resulting in Rellancer / BOBPEY Merchant being charged the Transaction Amount and charges, penalties or fines associated with processing the Chargeback.

18.4. “Chargeback Amount” shall mean the aggregate amount that the Facility Provider charges Rellancer pursuant to a Chargeback through Razorpay.

18.5. “Chargeback Documents” has the meaning ascribed to the term in clause 2.1 of Part I: Specific Terms for Online Payment Aggregation Services.

18.6. “Chargeback Request” means a claim for Chargeback by the Facility Provider's customer.

18.7. “Claims” means any claim asserted against the Merchant, that is paid or payable to a third party pursuant to an order of a court of law, judicial and quasi-judicial authorities.

18.8. “Customer” means the Merchant's customer who will be making payments to the Merchant in consideration for goods/services availed of by the customer from the Merchant.

18.9. “Facility Providers” shall means banks, financial institutions, NPCI, technology service providers, or other third parties facilitating the provisions of Services or any part thereof, including but not limited to (a) acquiring banks, (b) banks issuing credit cards, debit cards, prepaid instruments and accounts, and (c) card payment networks.

18.10. “KYC Guidelines” means KYC norms as set out in the Master Direction - Know Your Customer, 2016 notified by Reserve Bank of India through circular no. Master Direction DBR.AML.BC.No.81/14.01.001/2015-16, to the extent applicable to the Services and as may be determined by Rellancer / BOBPEY Merchant or the Facility Providers. KYC means know-your-customer.

18.11. “NPCI” means the National Payments Corporation of India constituted pursuant to the provisions of the Payment and Settlement Systems Act, 2007.

18.12. “Payment Aggregator Guidelines” means the RBI circular DPSS.CO.PD.No.1810/02.14.008/2019-20 dated March 17, 2020, including any amendments, clarifications, FAQs, etc. which may be issued from time to time.

18.13. “Payment Instrument” includes credit card, debit card, bank account, prepaid payment instrument or any other instrument issued under Applicable Law, used by a customer to pay the Transaction Amount.

18.14. “Permissible Deductions” means (a) fees charged by Rellancer; (b) Chargeback Amount including fines and penalties; and (c) any other sum due and payable by You to Rellancer.

18.15. “Refund” means processing of Your request to Rellancer, for returning the Transaction Amount (or part thereof) to the Payment Instrument which was used for effecting the payment of the Transaction Amount.

18.16. “RBI” shall mean the Reserve Bank of India.

18.17. “Terminal ID (TID)” shall mean an unique number assigned to a Merchant that is set up in the Rellancer / BOBPEY Merchant system. TIDs may also be associated with any Device at the discretion of Rellancer / BOBPEY Merchant and the Merchant. Any Device can be deactivated at any time at the request of the Merchant.

18.18. “Transaction” means an order or request placed by the customer with You (or a third-party vendor availing of Your services) for purchasing goods/services from You, which results in a debit to the customer's Payment Instrument.

18.19. “Transaction Amount” means the amount paid by the Customer in connection with Transaction.

17. BPI – BOBPEY Payment Interface

ROE QR – Return On Expenses QR

BOBPEY has introduced its proprietary BOBPEY Payment Interface (BPI), a custom payment and transaction management system tailored specifically for BOBPEY merchants. As part of this system, BOBPEY has launched the ROE QR – an exclusive Return On Expenses QR code.

What is BPI?

The BOBPEY Payment Interface (BPI) is a secure, in-house digital payment framework designed to streamline merchant transactions, monitor payment flows, and manage business analytics efficiently. It serves as the foundation for all merchant-related payment operations within the BOBPEY ecosystem.

What is ROE QR?

ROE QR stands for Return On Expenses QR, a unique, non-UPI QR code developed specifically for use within the BOBPEY platform. Unlike standard UPI QR codes used for direct payments, the ROE QR functions primarily for merchant identification and expense performance tracking.

• 🔐 Not a UPI QR:

  
  

  ROE QR is not linked to the Unified Payments Interface. It operates exclusively within the BOBPEY infrastructure.

• 🧾 Merchant Identification:

  
  

  Each ROE QR is uniquely assigned to a registered BOBPEY merchant, allowing seamless tracking of transactions, service interactions, and location-specific analytics.

• 📊 Return on Expenses Tracking:

  
  

  The system helps monitor how much revenue is generated in relation to the operational expenses tied to a specific QR code. This is useful for understanding merchant profitability and performance.

• ⚡ Quick Deployment & Scanning:

  
  

  Merchants can use the ROE QR at their physical or digital locations, making it easy for customers and partners to engage with their services through the BOBPEY interface.

PART I - SPECIFIC TERMS FOR ONLINE PAYMENT AGGREGATION SERVICES

1. PAYMENT PROCESSING

1.1. Subject to Part A: General Terms and Conditions in conjunction with Part I: Specific Terms for Online Payment Aggregation Services, Rellancer / BOBPEY Merchant shall facilitate collection of online payments for products/services sold by You. You agree that where any settlement amount is less than Rupee 1, Rellancer / BOBPEY Merchant shall endeavour to, but is not obligated to You, make such settlement.

1.2. If Rellancer settles the Transaction Amount under Part A: General Terms and Conditions or Part B: Specific Terms and Conditions, at an earlier time than agreed above, Rellancer shall have an absolute right to recover the Transaction Amount forthwith if the same is not received in the Escrow Account within three (3) Escrow Bank Working Days following the date of the Transaction for any reason whatsoever.

1.3. Rellancer shall have an absolute right to place limits on the Transaction value.

1.4. You agree that Rellancer / BOBPEY Merchant shall be entitled, at its sole discretion, to recover any amounts from You that are charged to Rellancer / BOBPEY Merchant and/or debited by Facility Providers from accounts maintained by You or any reason attributable to the provision of Services to You by way of deduction from (i) the Transaction Amount to be settled to You and /or (ii) any of Your other funds held by Rellancer / BOBPEY Merchant in the course of providing the Services. In the event such set-off or recovery does not fully reimburse Rellancer / BOBPEY Merchant for the liability owed, You shall pay Rellancer / BOBPEY Merchant a sum equal to any shortfall thereof.

1.5. You hereby acknowledge and agree that in case of reversal of Transaction Amount to Rellancer's bank (where your settlement account resides) rejecting acceptance of the Transaction Amount for any reason whatsoever, Rellancer / BOBPEY Merchant may refund the monies to the source account from which it was received.

1.6. Notwithstanding anything set forth in the Terms, You acknowledge, agree and affirm that in the event Rella Rellancer / BOBPEY Merchantncer in its absolute discretion determines that, for reasons including but not limited to internal decisions or regulatory mandates, it is not feasible or suitable to settle the funds held in the Rellancer's Bank Account to you, Rellancer / BOBPEY Merchant reserves the right to withhold such settlement and after giving prior notice to you, shall refund the said amount back to the source account from which it was received.

2. CHARGEBACKS

2.1. If a Facility Provider communicates to Rellancer the receipt of a Chargeback Request, You will be notified of the Chargeback. You agree that liability for Chargeback, whether domestic or international, under the Terms solely rests with You. You further agree that it is Your sole discretion whether to avail non-3D secure services or not and additional terms for the same will apply as set out in the Merchant dashboard. Subject to availability of funds, Rellancer upon receipt of a Chargeback Request shall forthwith deduct Chargeback Amount from the Transaction Amounts, which may be used, based on the decision of the Facility Provider, either to a) process Chargeback in favour of the customer or b) credit to You. For the avoidance of doubt, Rellancer shall be entitled to deduct the Chargeback Amount upon receiving a Chargeback claim. You shall be entitled to furnish to Rellancer documents and information (“Chargeback Documents”) pertaining to the Transaction associated with the Chargeback Request in order to substantiate (i) the completion of the aforesaid Transaction; and /or; (ii) delivery of goods/services sought by the customer pursuant to the said Transaction. You shall furnish the Chargeback Documents within three (3) calendar days (or such other period specified by the Facility Provider) of receiving notification of the Chargeback Request.

2.2. You agree that (i) if You are unable to furnish Chargeback Documents; and /or; (ii) the Facility Provider is not satisfied with the Chargeback Documents furnished by You, then the Facility Provider shall be entitled to order Rellancer to effect a reversal of the debit of the Chargeback Amount associated with the Chargeback such that the said Chargeback Amount is credited to the customer's Payment Instrument.

2.3. Notwithstanding anything in these Terms, if the Facility Providers charge the Chargeback Amount from Rellancer then You agree and acknowledge that Rellancer is entitled to recover such Chargeback Amount from You by way of deduction from (i) the Transaction Amounts to be settled to You and (ii) any of Your other funds held by Rellancer in the course of providing the Services. Provided however, if the available Transaction Amounts or other funds are insufficient for deduction of the Chargeback Amount, then Rellancer is entitled to issue a debit note seeking reimbursement of the Chargeback Amount. You shall reimburse the Chargeback Amount within seven (7) days of receipt of the debit note.

2.4. On the issuance of notice of termination under the Terms, Rellancer reserves the right to withhold from each settlement made during the notice period, a sum computed based on a Stipulated Percentage (defined hereinbelow) for a period of one hundred and twenty (120) days (“Withholding Term”) from the date of termination of these Terms. The sums so withheld shall be utilized towards settlement of Chargebacks. After processing such Chargebacks, Rellancer shall transfer the unutilized amounts, if any, to You forthwith upon completion of the Withholding Term. The ‘Stipulated Percentage' is the proportion of the Chargeback Amounts out of the total Transaction Amounts settled during the subsistence of these Terms.

2.5. Notwithstanding anything in the Terms, if the amount withheld pursuant to clause 2.4 above is insufficient to settle Chargebacks Amounts received during the Withholding Term, then Rellancer is entitled to issue a debit note seeking reimbursement of the Chargeback Amount. You shall reimburse the Chargeback Amount within seven (7) days of receipt of the debit note.

2.6. The following applies for Chargebacks associated with EMI products which are supported by Facility Providers. For any loan cancellation requests, You need to respond to Rellancer within seven (7) working days with a suitable response. If loan is to be cancelled, then the same needs to be informed to Rellancer and if cancellation request is to be declined then You need to provide proof of delivery and justification. For loans which would get cancelled on the basis of Your confirmation, the amount would be recovered from the daily settlement.

3. REFUNDS

3.1. You agree and acknowledge that subject to availability of funds received in the Escrow Account, You are entitled to effect Refunds at Your sole discretion.

3.2. You further agree and acknowledge that initiation of Refunds is at Your discretion and Rellancer shall process a Refund only upon initiation of the same on the Platform.

3.3. All Refunds initiated by You shall be routed to the same payment method through which the Transaction was processed.

3.4. You agree that Rellancer fees shall always be applicable and payable by You on each Transaction irrespective of whether You have refunded the same to Your customer either through normal channels of refunds or through the instant refund service of Rellancer affiliate (if availed).

3.5. You acknowledge and agree that for payments that are late authorized but not captured by You, Rellancer may initiate auto-refund to the customer within five (5) days.

4. FRAUDULENT TRANSACTIONS

4.1. Subject to clause 2.1 and 2.2 of this Part I: Specific Terms for Online Payment Aggregation Services, if Rellancer is intimated, by a Facility Provider, that a customer has reported an unauthorised debit of the customer's Payment Instrument (“Fraudulent Transaction”), then in addition to its rights under clause 16 of Part A: General Terms and Conditions, Rellancer shall be entitled to suspend settlements to You during the pendency of inquiries, investigations and resolution thereof by the Facility Providers.

4.2. If the amount in respect of the Fraudulent Transaction has already been settled to You pursuant to these Terms, any dispute arising in relation to the said Fraudulent Transaction, following settlement, shall be resolved in accordance with the RBI's notification DBR.No.Leg.BC.78/09.07.005/2017-18, dated July 6, 2017 read with RBI's notification DBOD. LEG. BC 86/09.07.007/2001-02 dated April 8, 2002 and other notifications, circulars and guidelines issued by the RBI in this regard from time to time.

4.3. Subject to clause 4.2 above, if the Fraudulent Transaction results in a Chargeback, then such Chargeback shall be resolved in accordance with the provisions set out in the Terms.

4.4. You acknowledge that Rellancer shall not be responsible for any liability arising in respect of Fraudulent Transactions whether it is an international or a domestic transaction.

4.5. You shall be liable in the event of breach of the fraud amount thresholds as provided under the NPCI guideline on ‘Fraud liability guidelines on UPI transactions' NPCI/2022- 23/RMD/001. You hereby understand and agree that the decision of the NPCI or the concerned acquiring bank, as the case may be, shall be final and binding.

5. GENERAL

5.1. In the event of any conflict between Part A: General Terms and Conditions and Part B: Specific Terms and Conditions, Part B: Specific Terms and Conditions shall prevail. To the maximum extent feasible, they shall be construed harmoniously.

5.2. Capitalised terms used but not defined in this Part I: Specific Terms for Online Payment Aggregation Services of Part B shall have the meaning ascribed to such terms in Part A: General Terms and Conditions.

5.3. Clauses 2 and 4 of Part I: Specific Terms for Online Payment Aggregation Services of Part B shall survive the termination of the Terms.

5.4. You hereby consent for Rellancer to share Your information/data, including activity related information and personal information, with its Affiliates, for (i) the Affiliates to facilitate access to/market along with Rellancer, such products and services as the Affiliates may deem You eligible; and/or (ii) to share such information with Facility Providers (such as banks, NBFCs) associated with the Affiliates, for such Facility Providers to assess Your eligibility for the proposed products and services. To revoke or modify such consent please reach out to https://onboard.bobpey.com/contact-us.

5.5. You hereby agree that Rellancer may deduct amounts from Your settlement account in accordance with instructions provided by You to Rellancer. Rellancer may first deduct its fees and other liabilities, including but not limited to chargebacks, fines, and penalties followed by other deductions, based on the chronological order of the instructions received from you.

6. COMPLIANCE WITH PAYMENT AGGREGATOR GUIDELINES

6.1. You represent and warrant that (i) You shall during the entire term of the usage of the Services, implement, observe and comply with applicable requirements prescribed under Applicable Laws, including but not limited to the provisions of the Payment Aggregator Guidelines. You shall further ensure that Your operations are in compliance with the Payment Aggregator Guidelines and You shall not undertake any action in breach of the same (ii) You shall on Your website/web app/mobile site/mobile app clearly indicate/display (a) the return and refund policy of Your products/services to Your customers, including the timelines for processing such returns, refunds or cancellations; and (b) the general terms of use and conditions of use by Your customers. You shall ensure that You deliver products and services in accordance with instructions of the customers. (iii) You shall at no time hold, store, copy or keep any customer data relating to a customer's Payment Instrument and shall notify in writing to Rellancer / BOBPEY Merchant without any delay if You suspect or have become aware of a possible security breach related to any customer data. (iv) You shall not store any data pertaining to the Payment Instrument / customer Payment Instrument credentials. On demand, You shall provide a written confirmation, in a form and manner acceptable to Rellancer / BOBPEY Merchant and Facility Providers, certifying compliance to this aspect.

6.2. You shall set up a comprehensive customer grievance redressal mechanism which provides the procedure for addressing complaints received from Your customer and You shall include the details of the person designated by You for handling such customer complaints. It is clarified that such customer grievance redressal mechanism shall provide the facility to the customers for registering their complaints over phone, email, or any other electronic means. You shall respond to such grievances or complaints received from Your customers within a period of 5 (five) business days from the date of receiving such grievance or complaint. You shall be solely responsible for sorting or handling any complaints received against You.

6.4. You shall provide Rellancer with evidence of compliances listed in this clause 6 at Rellancer's request and provide, or make available, to Rellancer copies of any audit, scanning results or related documents relating to such compliance. Notwithstanding the above, Rellancer shall have the right to conduct a security audit to check Your compliance with this clause 6 and in such cases, You shall extend full cooperation to Rellancer and its representatives so as to enable them to conduct the audit to their sole satisfaction.

6.5. You agree to implement, maintain and enforce appropriate measures for the security and privacy of customer data in accordance with Applicable Laws. You shall promptly report security incidents or breaches involving customer data to https://bobpey.com/grievance-policy.