TERMS OF SERVICE AND MERCHANT AGREEMENT

Last Updated: July 31, 2026

Please read these Terms of Service (“Terms”) carefully before using the website, dashboard, or link-generation utilities (collectively, the “Platform”). This document constitutes a legally binding agreement between you (the “Seller” or “Merchant”) and the Platform developers, operators, and affiliates (collectively, “We”, “Us”, or “Our”).

By registering an account, accessing the dashboard, entering a Virtual Payment Address (VPA), or generating a checkout link, you explicitly acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree to these Terms, you must immediately cease using the Platform.

1. Scope of Service & Software Utility Status

• 1.1 Software Utility Only: The Platform acts strictly as an automated Software-as-a-Service (SaaS) utility designed to help Sellers manage basic storefront infrastructure. The Platform hosts inventory data, parses stock metrics, and formats user-provided information into standard Unified Payments Interface (UPI) deep links or QR configurations.
• 1.2 Non-Intervention in Cash Flow: The Platform is not a payment gateway, payment aggregator, financial intermediary, bank, or digital wallet provider. While the Platform stores inventory, revenue analytics, and transaction parameters for the Seller's convenience, the Platform does not collect, receive, hold, pool, route, or settle any customer funds.
• 1.3 Direct P2P Transfers: All financial settlements occur exclusively and directly peer-to-peer (P2P) or peer-to-merchant (P2M) between the Buyer and the Seller via independent third-party UPI applications (e.g., Google Pay, PhonePe, Paytm, BHIM) operating on the National Payments Corporation of India (NPCI) network.

2. Merchant VPA Ownership & Input Accuracy

• 2.1 Accuracy of Inputs: The Seller bears sole, absolute, and unmitigated responsibility for entering the correct Virtual Payment Address (VPA) / UPI ID and transaction amount. The Platform does not verify the validity, operational status, or ownership of any VPA entered.
• 2.2 Disclaimer for Misrouted Funds: If a Seller enters an incorrect, invalid, or typo-ridden VPA, any funds transferred by a buyer using the generated link may be permanently lost or routed to an unintended individual. The Platform, its developers, and affiliates accept zero liability for lost funds, misrouted payments, or banking errors resulting from incorrect data input.

3. Data Processing, Storage, and Cryptographic Security

• 3.1 Permitted Collection: The Seller explicitly consents to the Platform collecting, processing, and storing the following specific data points within its database to facilitate operations: Seller’s name, business email address, product categories, stock inventory levels, item quantities, and automatically calculated gross and net revenue metrics.
• 3.2 Encrypted Financial Routing Storage: To facilitate automated checkout links and seamless reads/writes on the dashboard, the Platform stores the Seller’s VPA/UPI ID. The Platform implements industry-standard cryptographic encryption protocols to secure this financial routing data at rest and in transit.
• 3.3 Analytics & Dashboard Disclaimers: Financial analytics and revenue metrics displayed on the dashboard are computed strictly based on automated link-generation triggers and data inputs provided by the Seller. The Platform does not audit, reconcile, or verify these numbers against the Seller's actual bank statements. We accept no liability for inaccurate accounting figures, dashboard sync delays, or data loss caused by server outages or database corruption.
• 3.4 Cybersecurity Disclaimer: While the Platform employs strict cryptographic access controls and isolated database security practices, the Seller acknowledges that no digital storage system is 100% secure. In the absence of proven gross negligence or wilful misconduct directly attributed to Us, the Platform is not liable for unauthorized access, data leaks, or malicious cyberattacks targeting the stored database.

4. Data Fiduciary Compliance & Right to Erasure (DPDP Act, 2023)

• 4.1 Data Fiduciary Classification: The Platform processes the Seller's digital data strictly to provide the requested dashboard metrics and link services. In accordance with the Digital Personal Data Protection (DPDP) Act, 2023, the Platform acts as a Data Fiduciary.
• 4.2 Right to Erasure: The Seller retains the legal right to withdraw consent and request account deletion at any time. Upon receiving a formal deletion request through the registered email, the Platform will permanently erase or irreversibly anonymize all stored names, emails, inventory metrics, and encrypted UPI data from its active production database within thirty (30) business days, unless retention is legally mandated for ongoing cyber law enforcement investigations.

5. Complete Indemnification & Merchant Accountability

• 5.1 Independent Product Responsibility: The Seller is independently and exclusively responsible for the delivery, quality, legality, safety, and warranty of all goods or services sold via Instagram or any other platform using links generated by this tool.
• 5.2 Absolute Indemnity: By using this tool, the Seller agrees to defend, indemnify, and hold harmless the Platform developers and operators from any and all third-party claims, customer disputes, consumer court cases, police complaints, cyber cell reports, chargebacks, or financial losses arising from fraudulent sales, non-delivery of items, or misleading advertisements on Instagram. If a buyer is defrauded or scammed by the Seller, the Seller acknowledges that the Platform cannot be held legally or financially liable under any circumstances.

6. Strict Prohibited Items & Account Termination

• 6.1 Banned Categories: The Seller explicitly agrees not to utilize the database infrastructure to list, track, or generate payment links for the sale of any illegal or highly regulated goods or services under Indian law, including but not limited to:
• Counterfeit goods, fake designer items, or pirated software/media.
• Firearms, weapons, explosives, fireworks, or ammunition.
• Prescription drugs, narcotics, illegal substances, or tobacco products.
• Adult content, pornography, or escort services.
• Financial schemes, Multi-Level Marketing (MLM), lottery tickets, gambling, or unregulated crypto/token sales.
• Any goods violating intellectual property, trademarks, or copyrights of third parties.
• 6.2 Account Suspension & Data Purging: The Platform reserves the absolute right, at its sole discretion and without prior notice, to flag, suspend, or permanently terminate any Seller account found violating these terms. Upon termination due to fraudulent activities, malicious link generation, or buyer scams, the Platform will instantly disable all active checkout links, freeze dashboard access, and reserve the right to archive or purge the associated database records, subject to retention rules mandated by Indian cyber law enforcement (CERT-In).

7. Information Technology Intermediary Compliance & Grievance Redressal

• 7.1 Intermediary Safe Harbor: The Platform operates as an e-commerce intermediary under Section 79 of the Information Technology Act, 2000. We do not initiate the transmissions, select the receivers, or modify the information contained in the checkout links.
• 7.2 Grievance Mechanism: To report fraud, unauthorized link generation, or intellectual property violations, users or buyers may contact our designated Grievance Officer. All valid grievances will be acknowledged within forty-eight (48) hours and resolved within fifteen (15) days in accordance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules. Designated Grievance Officer Email: grievances@rupaylink.in

8. Third-Party Ecosystem & "As-Is" Service Continuity

• 8.1 External Dependencies: The utility of the generated link relies entirely on external systems outside Our control, including the NPCI network, commercial banking APIs, third-party UPI applications (e.g., GPay, PhonePe, Paytm), and the Meta/Instagram browser interface.
• 8.2 Service Provision Status: The service is provided on an "As-Is" and "As-Available" basis. The Platform does not guarantee that generated links will function seamlessly on all devices, mobile operating systems, or inside the native Instagram browser app. We are not liable for any business disruption or lost revenue caused by API modifications or updates implemented by NPCI, commercial banks, or Meta.

9. Independent Tax Liability

• 9.1 Informational Purpose Only: The display of gross and net revenue metrics on the Platform dashboard is purely for informational, personal tracking, and organizational purposes.
• 9.2 Tax Compliance: The Seller is independently and solely responsible for calculating, reporting, and remitting all applicable taxes—including Goods and Services Tax (GST) and Income Tax—to the Government of India. The Platform does not provide legal, financial, or tax advisory services, nor does it report automated financial tracking dashboard activity to the Income Tax Department or any other regulatory body.

10. Governing Law & Exclusive Jurisdiction

• 10.1 Jurisdiction: These Terms and Conditions shall be governed by, interpreted, and construed strictly in accordance with the laws of the Republic of India.