TERMS OF SERVICE Last updated: [DATE] These Terms of Service ("Terms") govern your access to and use of [COMPANY NAME] ("PAYINO", "we", "us", or "our"), accessible via [WEBSITE URL]. By creating an account or using our services, you agree to be bound by these Terms. If you do not agree, do not use our services. 1. DESCRIPTION OF SERVICE PAYINO is a platform that allows registered users to add funds to their account ("Payin") via UPI/QR-code based transfer, which is verified against a bank reference number (UTR), and to withdraw funds from their account ("Payout") to a bank account or UPI ID. Payins and Payouts are reviewed and processed by authorized personnel and are subject to the limits and timelines set within the platform. 2. ELIGIBILITY You must be at least 18 years old and legally capable of entering into a binding contract to use this service. By registering, you confirm that all information you provide is accurate, current, and complete. 3. ACCOUNT REGISTRATION AND SECURITY You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately of any unauthorized use of your account. We are not liable for any loss arising from your failure to keep your credentials secure. 4. USER OBLIGATIONS You agree that you will not: a. Use the service for any unlawful purpose, including money laundering, fraud, or financing of illegal activity; b. Provide false, misleading, or incomplete information; c. Attempt to gain unauthorized access to any part of the platform, other users' accounts, or our systems; d. Use the service to transact on behalf of a third party without authorization; e. Reverse-engineer, scrape, or interfere with the normal operation of the platform. 5. TRANSACTIONS a. All Payin requests must be completed and confirmed (including submission of a valid UTR) within the time window shown at the time of the request, failing which the reservation may expire. b. Payin and Payout requests are subject to verification by authorized personnel and may be delayed, declined, or reversed if discrepancies, suspected fraud, or policy violations are identified. c. Daily and per-transaction limits apply as configured on your account and may be changed at our discretion with or without prior notice, in order to manage risk. d. You are solely responsible for ensuring that the UPI ID, bank account, and reference numbers you provide are accurate. We are not responsible for funds sent to an incorrect destination due to your error. 6. FEES Any applicable fees for Payin or Payout transactions will be disclosed to you within the platform prior to the transaction being completed. 7. ACCOUNT SUSPENSION AND TERMINATION We reserve the right to suspend, block, or terminate your account, with or without notice, if we reasonably believe you have violated these Terms, applicable law, or if your account shows activity indicative of fraud, money laundering, or other prohibited use. Upon termination, any verified available balance will be processed for payout in accordance with our standard procedures, subject to any pending legal or compliance review. 8. LIMITATION OF LIABILITY To the maximum extent permitted by law, [COMPANY NAME] shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service, including but not limited to delays in transaction processing, loss of funds due to user error, or unauthorized account access resulting from your failure to secure your credentials. 9. INDEMNITY You agree to indemnify and hold harmless [COMPANY NAME], its officers, employees, and agents from any claims, damages, or expenses arising from your breach of these Terms or your misuse of the service. 10. GOVERNING LAW AND DISPUTE RESOLUTION These Terms are governed by the laws of India. Any disputes arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of [CITY], India. 11. CHANGES TO THESE TERMS We may update these Terms from time to time. Continued use of the service after changes are posted constitutes your acceptance of the revised Terms. 12. CONTACT US For questions about these Terms, contact us at: [SUPPORT EMAIL] [COMPANY NAME] [REGISTERED ADDRESS]