Introduction to Terms & Conditions

Welcome to NIPPY PAYMENT GATEWAY PRIVATE LIMITED. These Terms and Conditions govern your use of our website and services. By accessing or using our website and services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please refrain from using our website and services.

Proprietary Rights

All content, logos, trademarks, and intellectual property displayed on the NIPPY PAYMENT GATEWAY PRIVATE LIMITED website are the property of NIPPY PAYMENT GATEWAY PRIVATE LIMITED or its licensors. You are prohibited from using, copying, reproducing, modifying, or distributing any of the proprietary content without prior written permission from NIPPY PAYMENT GATEWAY PRIVATE LIMITED.

Usage of the Website and Use of Services by the User
  • a. You are responsible for providing accurate and up-to-date information during the registration process.
  • b. You agree not to use the NIPPY PAYMENT GATEWAY PRIVATE LIMITED website and services for any illegal or unauthorized purposes.
  • c. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
  • d. You agree to comply with all applicable laws, regulations, and card association rules while using our services.
Payment
  • a. By using NIPPY PAYMENT GATEWAY PRIVATE LIMITED, you authorize us to facilitate the processing of payments on your behalf.
  • b. We may charge fees for the use of our services, which will be clearly communicated to you. You are responsible for paying all applicable fees associated with your use of the services.
Privacy Policy

Your use of NIPPY PAYMENT GATEWAY PRIVATE LIMITED is subject to our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using our website and services, you agree to our Privacy Policy.

Third-Party Links/Offers

NIPPY PAYMENT GATEWAY PRIVATE LIMITED may contain links to third-party websites or services. These links are provided for your convenience. We do not endorse or assume any responsibility for the content, accuracy, or privacy practices of third-party websites. Use third-party websites at your own risk.

Our Partners

We may collaborate with third-party service providers or partners to enhance our services. However, we are not responsible for the acts or omissions of our partners. Any interactions or transactions with our partners are solely between you and the partner.

Disclaimer of Warranty

NIPPY PAYMENT GATEWAY PRIVATE LIMITED provides its services "as is" and makes no warranties or representations regarding the accuracy, reliability, or completeness of the information or services provided. We disclaim all warranties, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

In no event shall NIPPY PAYMENT GATEWAY PRIVATE LIMITED be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the website or services. This limitation applies to any damages caused by errors, omissions, interruptions, delays, viruses, loss of data, or any other performance failure.

Indemnity

You agree to indemnify and hold harmless NIPPY PAYMENT GATEWAY PRIVATE LIMITED, its affiliates, partners, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including attorney fees) arising out of or related to your use of the website or services, violation of these Terms and Conditions, or infringement of any rights of a third party.

Card Association Rules

If you use our services to process card payments, you agree to comply with all applicable card association rules and regulations, including but not limited to Visa, Mastercard, and American Express.

Waiver

Failure by NIPPY PAYMENT GATEWAY PRIVATE LIMITED to enforce any rights or provisions of these Terms and Conditions shall not constitute a waiver of such rights or provisions. Any waiver must be in writing and signed by an authorized representative of NIPPY PAYMENT GATEWAY PRIVATE LIMITED.

Force Majeure

NIPPY PAYMENT GATEWAY PRIVATE LIMITED shall not be liable for any delay or failure to perform its obligations under these Terms and Conditions if such delay or failure is caused by circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, governmental actions, labor disputes, or technical failures.

Anti-Bribery and Sanctions Laws

NIPPY PAYMENT GATEWAY PRIVATE LIMITED strictly adheres to anti-bribery and sanctions laws and regulations. Users of our payment gateway services are prohibited from engaging in any form of bribery, corruption, or violation of applicable sanctions laws. Users must comply with all relevant laws and regulations related to anti-bribery and sanctions.

Additional Terms

Certain services or features provided by NIPPY PAYMENT GATEWAY PRIVATE LIMITED may be subject to additional terms and conditions. Users will be notified of any additional terms and conditions that apply to specific services or features. In the event of any conflict between these Terms and Conditions and additional terms, the additional terms shall prevail.

Advertising

NIPPY PAYMENT GATEWAY PRIVATE LIMITED may display advertisements or promotional content on its website or within its services. Users understand and acknowledge that NIPPY PAYMENT GATEWAY PRIVATE LIMITED is not responsible for the content, accuracy, or legality of such advertisements. Any interactions or transactions with advertisers are solely between the user and the advertiser, and NIPPY PAYMENT GATEWAY PRIVATE LIMITED shall not be liable for any loss or damage arising from such interactions.

Suspension and Termination

NIPPY PAYMENT GATEWAY PRIVATE LIMITED reserves the right to suspend or terminate access to its payment gateway services, in whole or in part, to any user who violates these Terms and Conditions or engages in fraudulent, illegal, or unauthorized activities. NIPPY PAYMENT GATEWAY PRIVATE LIMITED also reserves the right to suspend or terminate its services for scheduled maintenance, security reasons, or any other operational requirements.

Prohibited Products and Services

The use of NIPPY PAYMENT GATEWAY PRIVATE LIMITED's services for certain products or services may be prohibited or restricted by law, card network rules, or NIPPY PAYMENT GATEWAY PRIVATE LIMITED's policies. Users are responsible for ensuring that their use of the payment gateway services complies with all applicable laws and regulations. NIPPY PAYMENT GATEWAY PRIVATE LIMITED reserves the right to refuse or restrict services for any product or service that violates these restrictions.

Users agree not to use NIPPY PAYMENT GATEWAY PRIVATE LIMITED's services for the following prohibited activities:

  • a. Illegal or fraudulent activities.
  • b. Sale or promotion of counterfeit or unauthorized goods.
  • c. Adult content or services.
  • d. Gambling, betting, or lottery activities.
  • e. Weapons, firearms, or ammunition.
  • f. Drugs, narcotics, or substances regulated by law.
  • g. Hate speech, discriminatory content, or illegal propaganda.
  • h. Any activity that violates applicable laws, regulations, or card network rules.

Users found to be engaging in prohibited activities may have their access to NIPPY PAYMENT GATEWAY PRIVATE LIMITED's services suspended or terminated, and may be subject to legal action.

By using NIPPY PAYMENT GATEWAY PRIVATE LIMITED's services, users acknowledge and agree to abide by these Terms and Conditions.

Specific Terms of Use


A. Payment Aggregation Services

NIPPY PAYMENT GATEWAY PRIVATE LIMITED provides payment aggregation services that enable merchants to accept payments from their customers through various payment methods. By using our payment aggregation services, you agree to comply with these Terms and Conditions, as well as any additional terms specific to the services provided.

Definitions
  • "NIPPY PAYMENT GATEWAY PRIVATE LIMITED" refers to our payment gateway platform and services.
  • "Merchant" refers to the entity or individual using NIPPY PAYMENT GATEWAY PRIVATE LIMITED to accept payments from customers.
  • "Customer" refers to the individual or entity making a payment to the merchant.
  • "Payment Aggregators Guidelines" refers to the guidelines provided by payment aggregators or card networks that govern the use of payment aggregation services.
Payment Processing

NIPPY PAYMENT GATEWAY PRIVATE LIMITED facilitates the processing of payment transactions between merchants and customers. We strive to provide secure and reliable payment processing services. However, we do not guarantee uninterrupted or error-free processing and are not liable for any loss or damages resulting from technical issues or system failures.

Chargebacks

Chargebacks may occur when a customer disputes a payment made through NIPPY PAYMENT GATEWAY PRIVATE LIMITED. It is the responsibility of the merchant to handle chargebacks in accordance with applicable laws and payment network rules. Merchants are responsible for providing accurate and necessary documentation to resolve chargeback disputes.

Refunds

Merchants are responsible for issuing refunds to customers for valid refund requests. NIPPY PAYMENT GATEWAY PRIVATE LIMITED provides tools and features to facilitate refund processing. However, the merchant remains solely responsible for refund policies, communication with customers, and any associated costs or liabilities.

Fraudulent Transactions

NIPPY PAYMENT GATEWAY PRIVATE LIMITED employs fraud detection and prevention measures to minimize the occurrence of fraudulent transactions. However, it is the responsibility of the merchant to monitor and mitigate the risk of fraudulent activities. Merchants should report suspected fraudulent transactions to NIPPY PAYMENT GATEWAY PRIVATE LIMITED promptly.

General
  • You agree to use NIPPY PAYMENT GATEWAY PRIVATE LIMITED services in compliance with applicable laws, regulations, and industry standards.
  • You are responsible for maintaining the security of your account credentials and ensuring that only authorized individuals have access to your account.
  • NIPPY PAYMENT GATEWAY PRIVATE LIMITED may suspend or terminate your account if there is a violation of these Terms and Conditions, fraudulent activities, or non-compliance with applicable laws or payment network rules.
Compliance with Payment Aggregators Guidelines

Merchants using NIPPY PAYMENT GATEWAY PRIVATE LIMITED's payment aggregation services must adhere to the guidelines provided by payment aggregators or card networks. Failure to comply with these guidelines may result in suspension or termination of your account. It is the merchant's responsibility to stay updated with the latest guidelines and implement necessary measures to ensure compliance.

Service Descriptions

NIPPY PAYMENT GATEWAY PRIVATE LIMITED offers various services and features to merchants. Detailed descriptions of these services can be found on our website or provided separately. The availability of specific services may be subject to eligibility criteria, compliance requirements, and technical integration.

Specific Terms for SNRR Merchants

SNRR (Standing Networked Reserve and Redistribution) merchants using NIPPY PAYMENT GATEWAY PRIVATE LIMITED's services are subject to additional terms and conditions specific to their business model. These terms may include reserve policies, redistribution guidelines, and additional compliance obligations. SNRR merchants should review and agree to these specific terms before using our services.

Specific Terms for Gaming Merchants

By using NIPPY PAYMENT GATEWAY PRIVATE LIMITED's services as a gaming merchant, you agree to the following additional terms:

  • i. Compliance: You represent and warrant that your gaming business and activities comply with all applicable laws, regulations, and industry standards. You are solely responsible for ensuring that your products or services do not violate any gambling regulations or promote illegal gambling activities.
  • ii. Age Verification: You are responsible for implementing age verification mechanisms to ensure that only individuals of legal age can access and use your gaming services.
  • iii. Fraud Prevention: You agree to implement adequate fraud prevention measures to mitigate the risk of fraudulent transactions and chargebacks. We may provide you with fraud prevention tools and guidelines to assist you in this regard.
  • iv. Regulatory Compliance: You agree to provide us with any information or documentation required to ensure compliance with applicable gaming regulations, including licenses, permits, or any other authorization required by the relevant regulatory authorities.
Form of Undertaking for Gaming Merchants

As a gaming merchant using NIPPY PAYMENT GATEWAY PRIVATE LIMITED, you hereby undertake to:

  • i. Comply with all applicable laws and regulations related to gaming, including licensing requirements, age restrictions, and anti-money laundering regulations.
  • ii. Conduct your gaming activities in a responsible and ethical manner, adhering to fair gaming practices and ensuring a safe and secure environment for users.
  • iii. Promptly respond to any inquiries or requests from NIPPY PAYMENT GATEWAY PRIVATE LIMITED regarding your gaming activities, financial transactions, or compliance matters.
  • iv. Indemnify and hold NIPPY PAYMENT GATEWAY PRIVATE LIMITED harmless from any claims, liabilities, losses, or damages arising out of your gaming activities or any violation of these terms.
Specific Terms for E-Mandate Service

By using NIPPY PAYMENT GATEWAY PRIVATE LIMITED's E-Mandate Service, you agree to the following specific terms:

Definitions
  • i. E-Mandate Service: Refers to the service provided by NIPPY PAYMENT GATEWAY PRIVATE LIMITED that enables merchants to obtain electronic mandates from customers for recurring payments.
  • ii. Mandate: Refers to the customer's authorization for a recurring payment, given electronically through the NIPPY PAYMENT GATEWAY PRIVATE LIMITED platform.
Specific Terms for TokenHQ Services
  • i. TokenHQ Service: TokenHQ is a service provided by NIPPY PAYMENT GATEWAY PRIVATE LIMITED that enables merchants to securely store and manage customer payment credentials for recurring payments.
  • ii. Consent: By using TokenHQ, you acknowledge and agree that customer payment credentials will be securely stored and used for processing recurring payments as authorized by the customer.
Specific Terms for Subscriptions Services
  • i. Subscriptions Service: NIPPY PAYMENT GATEWAY PRIVATE LIMITED provides a service that enables merchants to offer subscription-based products or services to customers.
  • ii. Customer Consent: By using the Subscriptions Service, you acknowledge and agree that customer payment information will be securely stored and used for recurring billing as authorized by the customer.
Nippy Partner Program
  • i. Nippy Partner Program: Refers to the program offered by NIPPY PAYMENT GATEWAY PRIVATE LIMITED that allows partners to integrate and resell NIPPY PAYMENT GATEWAY PRIVATE LIMITED's services.
  • ii. Partner Obligations: As a partner in the Nippy Partner Program, you agree to comply with the terms and conditions set forth in the partner agreement, including any applicable revenue sharing or commission structures.
Magic Checkout
  • i. Magic Checkout: Refers to a streamlined payment experience provided by NIPPY PAYMENT GATEWAY PRIVATE LIMITED, which allows customers to complete transactions quickly and easily.
  • ii. Customer Experience: By utilizing Magic Checkout, you acknowledge and agree that customer information may be pre-populated and shared securely with the merchant to facilitate a seamless checkout process.
Privacy and Data Protection Rights
  • a. Data Collection: We collect and process personal information in accordance with our Privacy Policy. By using our services, you consent to the collection, use, and processing of your personal information as described in the Privacy Policy.
  • b. Data Protection Rights: We respect your data protection rights and provide you with the following:
  • Access: You have the right to access the personal information we hold about you. You can review and update your information by logging into your account or contacting our customer support.
  • Rectification: If you believe that any personal information we hold about you is inaccurate or incomplete, you have the right to request correction or update of that information.
  • Erasure: You can request the deletion or erasure of your personal information from our systems, subject to our legal obligations and legitimate business interests.
  • Objection: You have the right to object to the processing of your personal information based on legitimate grounds, unless we have compelling legitimate reasons to continue processing.
  • Data Portability: Upon request, we can provide you with a copy of your personal information in a structured, commonly used, and machine-readable format, where technically feasible.
  • Consent Withdrawal: If we rely on your consent for processing your personal information, you have the right to withdraw your consent at any time. This will not affect the lawfulness of processing based on consent before its withdrawal.
  • Complaints: If you have concerns about how we handle your personal information or believe that your data protection rights have been violated, please refer to the Complaints and Grievance Redressal section in our Privacy Policy for information on how to lodge a complaint.