Terms of Service

Last updated: September 20, 2025

1. Introduction

Welcome to TingPay. By using our services, you agree to these terms. Please read them carefully.

2. Definitions

  • “Service” refers to TingPay’s payment tracking and management platform
  • “User” refers to any individual or entity using our Service
  • “UPI” refers to Unified Payments Interface
  • “Platform” refers to our website, dashboard, and related services

3. Account Terms

3.1 Account Registration

  • You must be 18 years or older to use this Service
  • You must provide accurate and complete information
  • You are responsible for maintaining account security

3.2 Account Usage

  • One account per business entity
  • Accounts cannot be shared between multiple businesses
  • You are responsible for all activity under your account

4. Payment Terms

4.1 Subscription Fees

  • Fees are charged annually
  • All fees are in Indian Rupees (INR)
  • Fees include applicable GST
  • No refunds for partial months of service

4.2 Payment Processing

  • We do not store or process actual payments
  • We only track and monitor UPI transactions
  • All payments go directly to your bank account

5. User Responsibilities

  • You must comply with all applicable laws
  • You must have necessary business registrations
  • You must pay applicable taxes on your transactions

5.2 Prohibited Activities

  • No illegal transactions
  • No fraudulent activities
  • No misuse of the platform
  • No unauthorized access attempts

6. Service Limitations

6.1 Availability

  • We strive for 99.9% uptime
  • Scheduled maintenance will be announced
  • We are not responsible for UPI network issues

6.2 Data Storage

  • Transaction data stored for 12 months
  • Backup data maintained for 30 days
  • You are responsible for exporting necessary data

7. Privacy and Data

7.1 Data Collection

  • We collect transaction metadata
  • We do not store actual payment details
  • We use cookies for better service

7.2 Data Usage

  • Data used for service improvement
  • Aggregated data for analytics
  • No sale of personal information

8. Intellectual Property

8.1 Ownership

  • Platform and content are our property
  • You retain rights to your data
  • Feedback may be used for improvements

8.2 Restrictions

  • No copying of platform features
  • No reverse engineering
  • No unauthorized API usage

9. Termination

9.1 Account Termination

  • You can terminate anytime
  • We may terminate for violations
  • Data retained per privacy policy

9.2 Post-Termination

  • Access revoked immediately
  • Data available for 30 days
  • No refunds for unused time

10. Changes to Terms

10.1 Updates

  • Terms may be updated
  • Notice provided for major changes
  • Continued use implies acceptance

11. Limitation of Liability

11.1 Service Warranty

  • Service provided “as is”
  • No guarantees of uninterrupted service
  • Not liable for business losses

11.2 Damages

  • Limited to subscription amount
  • No liability for indirect damages
  • Force majeure applies

12. Contact Information

For questions about these terms:

  • Email: legal@tingpay.com
  • Address: 123 Innovation Hub, Chennai, Tamil Nadu 600001
  • Phone: +91 44 1234 5678

13. Governing Law

These terms are governed by Indian law. Disputes will be resolved in Chennai, Tamil Nadu courts.