Terms & Conditions

1. Introduction

These Terms & Conditions govern your access to and use of the Adinav website, mobile applications, and payment services. By accessing or using our services, you agree to comply with these Terms.

If you do not agree with these Terms, you should discontinue using the website and services immediately.

2. Definitions

• Services – Payment services provided by Adinav and its authorized service providers.
• User – Any registered individual or business using the platform.
• Payee – Any individual or entity receiving payment.
• Payer – Any individual or entity initiating payment.
• Product – Goods or services purchased using the platform.
• Service Provider – Banks, financial institutions, payment gateways, processors, card networks, or other authorized partners.
• Transaction – A payment instruction that results in movement of funds.
• Transaction Amount – The total payable amount including taxes, service charges, commissions, and applicable fees.

3. Eligibility

Our services are available only to individuals who are at least 18 years old and legally competent to enter into binding contracts under the applicable laws of India.

By using Adinav, you represent and warrant that you meet these eligibility requirements.

4. Registration

Users must register with accurate, complete, and up-to-date information before using our services.

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities performed using your account.

5. Use of Services

The platform may only be used for legitimate payment-related transactions permitted by applicable law.

Users must immediately notify Adinav if they suspect any unauthorized access or misuse of their account.

6. User Obligations

• Provide accurate and complete information.
• Comply with all applicable laws and regulations.
• Use the services only for lawful purposes.
• Protect login credentials from unauthorized access.
• Not engage in fraudulent, illegal, abusive, or prohibited activities.
• Not process payments relating to prohibited goods or services.
• Pay all applicable taxes, duties, and statutory charges.
• Promptly notify Adinav of any changes in contact or business information.

7. Fees & Charges

Users agree to pay service charges, transaction fees, and any other applicable charges as communicated by Adinav or agreed under the applicable merchant agreement.

Adinav reserves the right to revise pricing due to changes implemented by banks, payment networks, regulators, or service providers.

8. Payment Processing

Adinav functions solely as a payment facilitator. We are not responsible for disputes regarding goods or services between users and merchants or payees.

Payment processing timelines depend on participating banks, payment gateways, and financial institutions. Delays beyond our reasonable control shall not create any liability for Adinav.

9. Security

Users are responsible for protecting their account credentials and are accountable for all transactions processed through their accounts unless otherwise required by law.

10. Suspension & Termination

Adinav reserves the right to suspend, restrict, or terminate access to its services without prior notice if misuse, fraud, illegal activity, or breach of these Terms is suspected.

11. Indemnity

Users agree to indemnify and hold harmless Adinav, its directors, employees, affiliates, and partners against any claims, damages, liabilities, losses, or expenses arising from misuse of the platform or violation of these Terms.

12. Confidentiality

Users shall maintain the confidentiality of all non-public information received while using the platform and shall not disclose such information except where required by law.

13. Intellectual Property

All trademarks, logos, graphics, software, website content, designs, and intellectual property displayed on the Adinav website are owned exclusively by ADINAV SOFTWARE PRIVATE LIMITED and are protected under applicable intellectual property laws.

No material may be copied, reproduced, distributed, or modified without prior written consent.

14. Contact Information

If you have any questions regarding these Terms & Conditions, please contact us: