These terms and conditions (“T&Cs”) apply between the user of this website www.camspay.com and Computer Age Management Services Ltd. Please read these T&Cs carefully, as they affect your legal rights. Your agreement to comply with and be bound by these T&Cs is deemed to occur upon your first use of the website. If you do not agree to be bound by these T&Cs, you may refrain from using the website.

USER, or USERS, Merchants or Clients defined as Any person logging on to or using our website (even when such person does not avail any of our products or services provided on the website. Such users shall be presumed to have read these Terms of Use and unconditionally and irrevocably accepted the terms and conditions set out herein. These Terms of Use, together with the rest of the Policies constitute a binding and enforceable agreement between the User and CAMSPay. These Terms of Use do not alter in any way the terms or conditions of any other written agreement you may have with CAMSPay powered by CAMS.

By browsing or in any way transacting on the Platform or availing any Products and Services on the platform as provided by CAMS and/or its subsidiaries, you signify to be bound by these Terms of Use. Further, by impliedly or expressly accepting these Terms and Conditions, you also accept and agree to be bound by Our policies, including the Privacy Policy, which also governs your visit to the website and our platform, to understand Our practices, and such other rules, guidelines, policies, terms and conditions as are relevant under the applicable law(s) in India and other jurisdictions for the purposes of accessing, browsing or transacting on the Platform, or availing any of the Services, and such rules, guidelines, policies, terms and conditions shall be deemed to be incorporated into, and considered as part and parcel of these Terms of Use. Please note that CAMSPay reserves the right to update/ amend and change these user terms or any other policy included by reference at any time without notice to the User, therefore, we suggest you may periodically review this polices and terms to make sure you have the latest version. Any disputes that arose before the changes will be governed by the Terms in place when the dispute notified.

The Platform that facilitates payment technology services including card acceptance, Net Banking, UPI, and recurring payments using various instruments like NACH, eNACH, UPI AutoPay, Card SI and Net Banking SI, rewards and loyalty, EMI, etc. (herein after referred to as the “Products & Services”). CAMSPay and its affiliates attempt to be as accurate on related information as possible. Any links to other sites via CAMSPay website or any other platform, over which CAMSPay has no control are subject to terms of such links/sites and Privacy Policy of CAMSPay. CAMS and its subsidiaries are not responsible for the availability of such external sites or resources and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources.

Disclaimers

By using our Platforms including websites, payment solutions, products, and services, you agree to the following disclaimers.

You agree and acknowledge that the services are provided "as is" and "as available" and that your use of the products & services shall be at your sole risk. To the fullest extent permitted by applicable law, CAMS and/or its subsidiaries and their respective officers, directors, Executive team, employees, agents, affiliates, branches, subsidiaries, and licensors (“CAMSPay parties”) disclaim all warranties, express or implied, in connection with the products & services including mobile apps, APIs and other tools and your use of them. To the fullest extent permitted by applicable law, CAMSPay make no warranties or representations that the services have been and will be provided with due skill, care, and diligence or about the accuracy or completeness of the services’ content and assume no responsibility for any of the below.

• Errors, mistakes, or inaccuracies of content
• Personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the services.
• Any unauthorized access to or use of our servers and/or all personal information stored therein,
• Any interruption or cessation of transmission to or from the services,
• Any bugs, viruses, trojan horses, or the like which may be transmitted to or through the services through the actions of any third party,
• Any loss of your data or content from the services
• Any errors or omissions in any content or for any loss or damage of any kind incurred because of the use of any content posted, emailed, transmitted, or otherwise made available via the services.
• Any material downloaded or otherwise obtained using the services is done at your own discretion and risk and you will be solely responsible for any damage to your computer system or other device or loss of data that results from the download of any such material. CAMSPay will not be in any way be responsible for monitoring any transaction between you and third-party providers of products or services. You are solely responsible for all your communications and interactions with other users of the services and with other persons with whom you communicate or interact because of your use of the services.
• No advice or information, whether oral or written, obtained by you from CAMSPay or through or from the services shall create any warranty not expressly stated in these terms of use. Unless you have been expressly authorized to do so in writing by CAMSPay, you agree that in using the services, you will not use any trademark, service mark, trade name, logo of any company or organization in a way that is likely or intended to cause confusion about the owner or authorized user of such marks, names, or logos.

Limitation of Liability

Notwithstanding anything in this term, CAMSPay and its representatives in any capacity, shall not be liable for any indirect claims in any nature whatsoever like- incidental, special, punitive, exemplary, consequential, cost, expenses, etc., including any loss of business or profits, claimed to be resulting from reliance of any clause(s) in this agreement, statute, in equity, law or otherwise.

To the extent permitted by law, we exclude all conditions, warranties, representations, or other terms which may apply to our website or any of our contents and agreements on it, whether express or implied. We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with use of, or inability to use, our website; or use of or reliance on any content displayed on our website.

For the business who uses our products & service, please note that, we will not be liable for any of the following,

• Loss of profits, sales, business, or revenue
• Business interruption and loss of anticipated savings
• Loss of business opportunity, goodwill, or reputation
• Any indirect or consequential loss or damage

For consumer user, please note that we only provide our websites, platform, product, and services for domestic and private use. You agree not to use our website and other platforms for any commercial or business purposes, and we have no liability to you for any personal loss of profit, issue with merchants, any disputes with the purchase you made payments using our platform, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked to our website. Such links should not be interpreted as endorsements by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Different limitations and exclusions of liability will apply to liability arising because of the supply of any goods by us to you, which will be set out in our Service Agreement.

Indemnity

You shall undertake to indemnify and hold harmless and indemnified by CAMS and/or its subsidiaries in respect of all losses, damages, costs, expenses, and other liabilities (including reasonable legal fees, disbursements, and expenses) incurred by or awarded in connection with or based on breach of your confidentiality obligations contained herein, misuse of CAMSPay website and its other platforms.

Survival

You hereby agree that the clauses on Confidentiality, indemnity and Intellectual Property shall survive even after you cease to use the CAMSPay website and various product, and services provided by CAMSPay.

Personal Information Policy

We collect your personal information through our websites, payment applications and platforms. We use this information including but not limited to:

• Personalize your experience and better our responses to match your requirements, wherever possible.
• Improve our website based on the information about visitor profiles, servicing patterns and what they are looking for etc.
• To improve customer service by your feedback which help us improve our services and offerings.
• Use analytics to track the various website traffic patterns, sources of traffic, user preferences, referrals etc and use such analytics to improve our services and website.
• To send periodic emails to email address you provide while making use of the services available in our website. These email IDs may be used to send you information and updates pertaining to your order or request and payments, in addition to receiving periodic news / updates / promotions / related product or services provided by CAMSPay and its group companies / subsidiaries and informative and educative material(s) that we deem appropriate.
• It is our commitment and promise that your email IDs and other personal information you share are very confidential and safe with us. We take all required best effort to protect your personal information.

Use of Cookie

Cookies are small text files that are sent to and stored on your computer, smart-phone, or other device for accessing the internet, whenever you visit a website. Cookies are useful because they allow a website to recognize a user's device. The cookies we use are completely safe. In fact, many of them are used purely to provide important security features such as protecting your data and your accounts.

We use ‘analytics’ cookies to help us make our website better for those who visit it regularly. They help us work out what users like and do not like and how we can improve things for you. When we include links to other websites, please bear in mind they will have their own privacy and cookie policies that will govern the use of any information you submit. We recommend you read their policies as CAMSPay is not responsible or liable for their privacy practices.

We use cookies to give you the best possible experience on our website. Cookies allow you to do many things such as log on to do online transactions and helps us 'remember' your log-in preferences, apply for products and services online and use the services available in our website efficiently.

Restricted Merchant Categories

The below merchant business categories are not eligible to avail our services and We also complies with policies and procedures laid down as per industry standards.

• Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery, and other media), escort or prostitution services
• Alcohol which includes Alcohol or alcoholic beverages such as beer, liquor, wine, or champagne
• Body parts which include organs or other body parts
• Bulk marketing tools which include email lists, software, or other products enabling unsolicited email messages (spam)
• Cable descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free
• Child pornography which includes pornographic materials involving minors
• Copyright unlocking devices which include Mod chips or other devices designed to circumvent copyright protection
• Copyrighted media which includes unauthorized copies of books, music, movies, and other licensed or protected materials
• Copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software
• Counterfeit and unauthorized goods which includes replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association, fake autographs, counterfeit stamps, and other potentially unauthorized goods
• Drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs like salvia and magic mushrooms
• Drug test circumvention aids which include drug cleansing shakes, urine test additives, and related items
• Endangered species which includes plants, animals, or other organisms (including product derivatives) in danger of extinction
• Gaming/gambling which includes lottery tickets, sports bets, memberships/ enrolment in online gambling sites, and related content
• Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles
• Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property
• Illegal goods which include materials, products, or information promoting illegal goods or enabling illegal acts
• Miracle cures which include unsubstantiated cures, remedies or other items marketed as quick health fixes
• Offensive goods which include literature, products, or other materials that: a) Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors b) Encourage or incite violent acts c) Promote intolerance or hatred
• Offensive goods, crime which includes crime scene photos or items, such as personal belongings, associated with criminals
• Prescription drugs or herbal drugs or any kind of online pharmacies which includes drugs or other products requiring a prescription by a licensed medical practitioner
• Pyrotechnic devices and hazardous materials which includes fireworks and related goods; toxic, flammable, and radioactive materials and substances
• Regulated goods which include air bags; batteries containing mercury; Freon or similar substances/refrigerants, chemical/industrial solvents, government uniforms, car titles or logos, license plates, police badges and law enforcement equipment, lock-picking devices, pesticides; postage meters, recalled items, slot machines, surveillance equipment; goods regulated by government or other agency specifications
• Tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products
• Traffic devices which include radar detectors/ jammers, license plate covers, traffic signal changers, and related products
• Weapons which include firearms, ammunition, knives, brass knuckles, gun parts, and other armaments
• Wholesale currency which includes discounted currencies or currency exchanges
• Live animals or hides/skins/teeth, nails, and other parts etc of animals
• Multi-Level Marketing collection fees
• Matrix sites or sites using a matrix scheme approach
• Work-at-home information
• Drop-shipped merchandise
• Any product or service which is not in compliance with any applicable laws and regulations whether central, state, local or international laws applicable in India.