Zerotize - Terms of Service

Welcome to Zerotize! These Terms of Service ("Terms") govern your access to and use of our software and services. By using our services, you agree to comply with these Terms. Please read them carefully, as they outline your rights, obligations, and the legal framework that governs your relationship with us.

1. Introduction and Overview

Zerotize is a software platform developed as part of a private initiative to support the Digital India campaign. Our platform allows businesses to accept UPI (Unified Payments Interface), NEFT (National Electronic Funds Transfer), and IMPS (Immediate Payment Service) payments free of charge, with instant bank settlements. Transactions occur directly between merchants and customers, ensuring that payments are deposited directly into the merchant’s bank account without the need for third-party intermediaries or commission fees. Please note that, at this time, we do not provide UPI Virtual Payment Addresses (VPA) to merchants. All transactions occur via UPI VPAs and bank accounts owned by the merchants.

2. Account Creation and Eligibility

To access the features of Zerotize, you are required to create an account. The following terms apply: You must be 18 years or older to create an account and use our services. By registering, you confirm that you meet this age requirement and have the legal capacity to enter into this agreement.

When creating an account, you must provide accurate and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. If you suspect unauthorized access, you must notify us immediately.

3. Privacy Policy

Your privacy is important to us. When you sign up, we collect personal information including your IP address, name, phone number, and email address. This information is used solely for identification, account creation, and service delivery. We do not sell or share your personal data with third parties, except as required by law. In some cases, we may request KYC (Know Your Customer) documentation for verification purposes. Once verified, we permanently delete KYC documents from our servers.

Your personal data is securely stored on Indian servers. Should a legal request be made by a competent authority, we will comply with such requests in accordance with applicable law.

4. Data Ownership and Usage

By using Zerotize, you grant us the right to use the data you generate on our platform for service delivery, customer support, and improving the functionality of the platform. After the evaluation period or account termination, we may delete your data from our servers. However, anonymized or aggregated data may be retained for analytical or compliance purposes.

5. Server Location and Migration

Our services are hosted on servers located in India. We reserve the right to change the server location, with or without notice, to ensure optimal performance or compliance with regulations.

6. Account Termination

We reserve the right to terminate or suspend your account under circumstances where you violate any part of these Terms or engage in unauthorized activities. If your account poses a risk to the security or stability of our platform or other users, we may terminate your account. Termination may occur without prior notice or explanation, and any fees paid will not be refunded.

7. Payment and Refund Policy

A non-refundable fee is charged for accessing the demo version of our software. The fee covers platform development and maintenance costs and is non-refundable. The software is provided "as is," without warranties of any kind. We do not guarantee uninterrupted service or error-free functionality.

We are not responsible for any inability to use the service, including a lack of user intellectuality or failure to arrange a compatible UPI VPA.

8. Disclaimer of Responsibility

Zerotize, its publishers, resellers, or promoters are not liable for any loss, damage, or financial harm arising from your use of the platform. All payment transactions occur directly between merchants and customers. The platform is designed for record-keeping, and we are not involved in any financial transactions between parties.

9. Modifications to Terms

These Terms are subject to change at any time. Any changes will be effective immediately upon posting. By continuing to use our platform, you agree to be bound by the modified Terms. If you do not agree to the modified Terms, you should discontinue using our services.

10. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Any disputes arising out of or related to these Terms will be subject to the exclusive jurisdiction of the courts located in India.

By creating an account and using Zerotize, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree to these Terms, you should refrain from using our services.