Introduction

Welcome to ZingPay. By using our services, including Payment Gateway, Payout, Loans, and Insurance, you agree to comply with and be bound by these Terms and Conditions. Please read them carefully.

Definitions

"Company," "we," "us," or "our" refers to ZingPay.
"User" or "you" refers to the individual or entity using our services.
"Services" refers to the payment gateway, payout solutions, loans, and insurance services provided by ZingPay.
Eligibility You must be at least 18 years old and legally capable of entering into a binding contract to use our services.

Use of Services

1. You agree to use our services for lawful purposes only.
2. You must provide accurate and complete information during registration and transactions.
3. Unauthorized use of our platform, including fraud or money laundering, is strictly prohibited.

Payment Gateway & Payout Services

• We facilitate secure online transactions and payouts to users.
• Transactions may be subject to processing fees, which will be disclosed at the time of the transaction.
• We do not guarantee real-time fund transfers due to bank or system dependencies.

Loan Services

• Loan approvals are subject to eligibility criteria and credit assessments.
• Interest rates, repayment terms, and penalties for late payments will be detailed in the loan agreement.
• Failure to repay may lead to legal action and reporting to credit bureaus.

Insurance Services

• We provide insurance services in collaboration with third-party insurers.
• Policy terms, coverage, exclusions, and claims processes will be governed by the respective insurance provider’s terms.
• ZingPay is not liable for claim rejections by the insurer.

Fees & Charges

• Service fees may apply to transactions, withdrawals, or other services.
• Any applicable taxes will be the responsibility of the user.

Security & Compliance

• Users must ensure secure access to their accounts and avoid sharing credentials.
• We employ industry-standard security measures but are not responsible for third-party breaches.

Termination & Suspension

• We reserve the right to suspend or terminate services if a user violates these terms.
• Fraudulent or illegal activities will result in immediate termination and legal action.

Limitation of Liability

• ZingPay is not responsible for losses due to system failures, cyberattacks, or third-party service issues.
• Users assume all risks associated with the use of our services.

Dispute Resolution

• Disputes must be reported to our support team for resolution.
• Any unresolved disputes shall be governed by the laws of India and subject to arbitration.
• Failure to repay may lead to legal action and reporting to credit bureaus.

Amendments

• We reserve the right to modify these terms at any time, with updates posted on our website.

Contact Information For any queries, please contact our support team at support@zingpay.com or visit our website "www.zingpay.co.in".

By using our services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.