Last Updated: April 2026
Effective Date: 1st April 2026
RBI Authorised Payment Aggregator | ISO 27001:2013 Certified | PCI-DSS Compliant
1. Introduction and Acceptance of Terms
These Terms and Conditions (“Terms”) govern access to and use of the Platform (as defined below) and all services provided by Tapits Technologies Pvt. Ltd. (“Tapits”, “Fingpay”, “we”, “us”, or “our”), a company incorporated under the Companies Act, 2013, bearing Corporate Identification Number U72900MP2016PTC040639, and authorised by the Reserve Bank of India (“RBI”) as a Payment Aggregator for online and physical payment services. Fingpay is headquartered at 20 Dhenu Market, Indore 452003, Madhya Pradesh, India, with additional offices in Mumbai and Hyderabad.
By accessing or using the Platform, registering an account, initiating a transaction, integrating any Fingpay API or SDK, or otherwise engaging with any service offered through the Platform, you (the “User”) agree to be bound by these Terms in their entirety. If you do not agree to these Terms, you must immediately discontinue use of the Platform.
Acceptance of these Terms is deemed to occur upon the earliest of: (a) accessing the Platform; (b) completing the registration process; (c) executing a transaction; or (d) clicking any button or taking any action that confirms acceptance. Continued use of the Platform following any update to these Terms constitutes ongoing acceptance of the amended Terms.
These Terms constitute a legally binding agreement between you and Fingpay under the Indian Contract Act, 1872, and applicable laws of India. These Terms must be read in conjunction with Fingpay’s Privacy Policy, which is incorporated herein by reference. In the event of any conflict between these Terms and the Privacy Policy with respect to data-related matters, the Privacy Policy shall prevail.
2. Definitions
As used in these Terms, the following words and phrases shall have the meanings set out below:
“Charges”: means all applicable fees, levies, convenience fees, handling fees, service fees, payment gateway fees, Merchant Discount Rate (MDR), taxes, and any other amount payable by the Merchant and/or chargeable to the customer in connection with a Transaction or use of the Platform.
The Merchant shall ensure that all such Charges applicable to the customer are clearly and prominently disclosed as a separate itemized entry before completion of the Transaction. No hidden or undisclosed Charges shall be levied, in compliance with applicable RBI guidelines, including Payment Aggregator/Payment Gateway regulations, and the Consumer Protection (E-Commerce) Rules, 2020. Any non-compliance shall constitute a breach of these Terms and may result in suspension, reversal of Charges, or reporting to the relevant regulatory authority.
“Platform”: means the Fingpay website (https://www.fingpay.co.in), mobile applications, application programming interfaces (APIs), software development kits (SDKs), developer portals, field applications, and all associated products, features, and services operated by Tapits Technologies Pvt. Ltd., collectively and individually.
“Services”: means all products, solutions, and functionalities made available through the Platform, including but not limited to UPI payments, AEPS, Micro ATM services, BHIM Aadhaar Pay, Payment Gateway, BBPS, Cash Management Services (CMS), KYC and merchant onboarding solutions, virtual accounts, field collection applications, and AI-powered voice bots.
“User”: means any individual or entity that accesses or uses the Platform, including but not limited to merchants, corporate partners, Business Correspondents, BFSI institutions, MSMEs, enterprise API integrators, and end customers transacting through Fingpay-powered solutions.
“Merchant”: means a business entity or individual who has registered on the Platform to accept payments, process collections, or deploy Fingpay’s payment solutions at the point of sale or through digital channels.
“Business Correspondent” or “BC”: means a Fingpay-empanelled agent or entity authorised to deploy Fingpay’s Services on behalf of banking or financial institution partners, in accordance with RBI’s Business Correspondent guidelines.
“Payment Aggregator”: means an entity authorised by the RBI to facilitate online and physical payment transactions between merchants and their customers by accepting payment instruments, collecting funds, and remitting settlement amounts to merchants, as further described in the RBI’s Guidelines on Regulation of Payment Aggregators and Payment Gateways.
“Transaction”: means any payment, collection, disbursement, or financial instruction initiated or processed through the Platform, including UPI transfers, AEPS cash withdrawals or deposits, bill payments through BBPS, card transactions through the Payment Gateway, and all other payment operations.
“Settlement”: means the process by which Fingpay disburses transaction proceeds to a Merchant’s registered bank account, net of applicable charges, following successful completion and clearance of a Transaction.
“Chargeback”: means a reversal of a completed Transaction initiated by a customer’s card-issuing bank or financial institution, whether on grounds of dispute, unauthorised use, or other applicable reasons recognised by payment networks.
“RBI”: means the Reserve Bank of India.
“NPCI”: means the National Payments Corporation of India.
“API”: means an application programming interface provided by Fingpay to enable third-party systems and applications to interface with the Platform programmatically.
“SDK”: means a software development kit provided by Fingpay to facilitate integration of the Platform’s capabilities into third-party applications.
“KYC”: means Know Your Customer processes and documentation required under applicable RBI and NPCI guidelines for onboarding and identity verification.
“Prohibited Activity”: has the meaning assigned to it in Section 9 of these Terms.
“Intellectual Property”: means all patents, copyrights, trademarks, trade names, trade secrets, source code, algorithms, designs, APIs, SDKs, and other proprietary rights owned or licensed by Fingpay in connection with the Platform.
3. Eligibility and Age Limit
Use of the Platform is restricted to persons who are legally competent to enter into binding contracts under the Indian Contract Act, 1872. The following eligibility conditions apply:
You must be at least 18 (eighteen) years of age to access or use the Platform or any of its Services. By accessing or using the Platform, you represent and warrant that you are 18 years of age or older.
If you are accessing the Platform on behalf of a company, partnership, or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms, and references to ‘you’ shall include both you individually and the entity you represent.
Entities must be duly incorporated or registered under the laws of India and must not be prohibited from using the Platform by any applicable law, court order, regulatory directive, or contractual restriction.
Fingpay reserves the right, without notice, to immediately suspend or terminate any account that Fingpay reasonably believes is held by, or is being operated on behalf of, a person who does not meet these eligibility requirements, including minors. Fingpay shall bear no liability for any consequences arising from such suspension or termination.
Use of the Platform by any person acting in violation of these eligibility conditions is strictly prohibited. Fingpay reserves the right to seek appropriate legal remedies for any such violation.
4. Nature of Services
4.1 What Fingpay Does
Fingpay is a technology-driven Payment Aggregator authorised by the RBI. Fingpay facilitates the processing of payment transactions between Merchants and their customers by providing a secure, compliant, and interoperable payments infrastructure. Fingpay’s Services include, but are not limited to:
Acceptance, routing, and processing of digital payment transactions across multiple payment instruments and channels;
Settlement of transaction proceeds to Merchants’ registered bank accounts within applicable timelines;
Merchant onboarding, KYC verification, and account management;
Deployment of AEPS, Micro ATM, BHIM Aadhaar Pay, and related banking correspondent services;
Integration of payment capabilities through APIs and SDKs for BFSI institutions, MSMEs, and enterprise partners;
Bill payment facilitation through BBPS and cash management services;
Virtual account management and field collection solutions; and
AI-powered voice bot and support automation tools for financial services.
4.2 What Fingpay Does Not Do
Users must understand the following limitations of Fingpay’s role:
Fingpay is not a bank or a non-banking financial company (NBFC). Fingpay does not accept deposits, extend credit, or offer any banking product or financial instrument of its own.
Fingpay is not a party to the underlying commercial transaction between a Merchant and their customer. Fingpay’s role is limited to facilitating the payment leg of such transaction.
Fingpay does not guarantee the quality, legality, or performance of any goods or services transacted through the Platform. All disputes regarding goods or services are the exclusive responsibility of the Merchant and the relevant customer.
Fingpay is not responsible for the acts or omissions of issuing banks, acquiring banks, NPCI, payment networks, or other third-party entities involved in a Transaction, except to the extent of Fingpay’s own obligations under applicable law.
Fingpay does not provide legal, tax, or financial advisory services. Nothing on the Platform constitutes legal, tax, investment, or financial advice.
4.3 Regulatory Framework
Fingpay operates under the RBI’s Payment Aggregator framework, NPCI’s circulars and operating guidelines, and applicable provisions of the Payment and Settlement Systems Act, 2007. Users are required to ensure that their use of the Platform is consistent with all applicable laws, RBI and NPCI guidelines, and Fingpay’s policies as communicated from time to time.
5. User Accounts and Registration
5.1 Account Creation
To access certain Services, you must register an account on the Platform. During registration, you are required to provide accurate, current, and complete information as requested. You agree to promptly update your information to keep it accurate, current, and complete at all times.
5.2 Accuracy of Information
You represent and warrant that all information provided by you during registration and thereafter is true, accurate, current, and complete. Fingpay reserves the right to reject any application, suspend, or terminate any account where information is found to be false, misleading, incomplete, or in violation of applicable KYC requirements.
5.3 Account Security
You are solely responsible for maintaining the confidentiality of your account credentials, including passwords, PINs, OTPs, and any other authentication information. You must not share your credentials with any third party. Fingpay will not be responsible for any loss or damage arising from unauthorised use of your account resulting from your failure to maintain the confidentiality of your credentials.
You must notify Fingpay immediately at info@tapits.in if you become aware of or suspect any unauthorised access to or use of your account, or any breach of security.
5.4 Prohibition on Credential Sharing
Account credentials are personal and non-transferable. You must not share, assign, sublicense, or otherwise permit any third party to use your account credentials or access the Platform through your account. Each registered entity or individual must maintain their own distinct account.
5.5 Suspension and Termination of Accounts
Fingpay reserves the right to suspend, restrict, or terminate any account, with or without notice, in the following circumstances:
Breach of any provision of these Terms;
Provision of false, inaccurate, or fraudulent information during or after registration;
Failure to complete KYC requirements within the timelines specified by Fingpay;
Inactivity of the account for an extended period as determined by Fingpay;
Receipt of a directive or instruction from a regulatory or law enforcement authority; or
Any conduct that Fingpay, in its reasonable judgment, determines to pose a risk to the Platform, its users, or the payment ecosystem.
6. Payments and Collections
6.1 Transaction Processing
Fingpay processes Transactions initiated through the Platform in accordance with applicable RBI and NPCI guidelines, Payment and Settlement Systems Act, 2007, and the rules of the relevant payment networks. Fingpay will use commercially reasonable efforts to process Transactions promptly and accurately.
The initiation, authorisation, and completion of a Transaction are subject to, inter alia, successful authentication of the payer, availability of sufficient funds or credit, and approvals from the relevant acquiring and issuing financial institutions. Fingpay does not guarantee the success or completion of any Transaction.
6.2 Settlement Timelines
Fingpay will settle Transaction proceeds to the Merchant’s designated bank account in accordance with the settlement timeline agreed upon during onboarding or as communicated by Fingpay from time to time. Settlement timelines are subject to:
Applicable RBI and NPCI guidelines on settlement;
Successful completion and clearance of the Transaction by the relevant payment network and banking partners;
Completion of applicable reconciliation and verification processes by Fingpay;
The Merchant’s compliance with all applicable KYC and documentation requirements; and
Absence of any chargeback, dispute, hold, or regulatory instruction affecting the relevant Transaction or Merchant account.
Fingpay reserves the right to withhold, defer, or adjust settlement amounts in the event of fraud investigations, regulatory directives, disputed transactions, or other circumstances warranting such action. Fingpay will endeavour to notify the Merchant of any such action and the reasons therefor.
6.3 Failed Transactions
A Transaction shall be deemed to have failed if it is not successfully completed and authorised within the applicable timeframe. In the event of a failed Transaction:
Any amount debited from the payer’s account in connection with the failed Transaction shall be refunded in accordance with applicable RBI and NPCI guidelines on turnaround times (TAT) and customer compensation.
Fingpay shall not be liable for failed Transactions arising from reasons beyond its reasonable control, including but not limited to network outages, system failures at issuing or acquiring banks, NPCI infrastructure disruptions, or force majeure events as described in Section 12.
The Merchant must report failed Transactions through Fingpay’s designated dispute resolution channels within the period specified by Fingpay or as mandated by applicable RBI/NPCI guidelines.
6.4 Refunds
Refund timelines for Transactions processed through the Platform shall be in accordance with applicable RBI and NPCI guidelines and the agreed terms between the Merchant and Fingpay. Merchants are responsible for initiating and managing refunds to their customers in connection with the underlying commercial transaction. Fingpay’s role is limited to processing the technical refund on the payment network upon receipt of a valid refund instruction from the Merchant.
6.5 Chargebacks and Disputed Transactions
In the event of a Chargeback:
The Merchant shall be notified of the Chargeback and shall be required to submit relevant documentation and evidence to Fingpay within the period specified by Fingpay or the relevant payment network.
Fingpay may, at its discretion, deduct the Chargeback amount and any associated fees from the Merchant’s settlement amount or from any reserve maintained by Fingpay.
Failure by the Merchant to respond to a Chargeback within the specified period may result in acceptance of the Chargeback and corresponding debit.
Fingpay’s determination on Chargebacks, made in accordance with the applicable payment network rules and RBI guidelines, shall be final and binding, subject to any mandatory regulatory review process.
6.6 Liability for Third-Party Failures
Fingpay shall not be liable for losses, delays, or errors arising from the acts or omissions of third parties involved in Transaction processing, including issuing banks, acquiring banks, NPCI, UIDAI, payment networks, or telecommunications providers. Fingpay’s liability, where applicable, shall be limited as set out in Section 12 of these Terms.
7. Merchant Obligations
7.1 Regulatory Compliance
Each Merchant using the Platform represents, warrants, and undertakes on a continuing basis that it:
Holds all necessary licences, registrations, approvals, and authorisations required under applicable law to carry on its business and to accept digital payments;
Is and will remain in compliance with all applicable RBI and NPCI guidelines, circulars, and directives, including but not limited to guidelines on merchant onboarding, KYC, anti-money laundering (AML), and the combating of financing of terrorism (CFT);
Will conduct its business in accordance with applicable Indian laws, including the Payment and Settlement Systems Act, 2007, the Prevention of Money Laundering Act, 2002, the Foreign Exchange Management Act, 1999, and all other applicable statutes and regulations; and
Will notify Fingpay promptly of any material change in its business, ownership, legal status, or compliance profile.
7.2 Prohibited Transactions
Merchants must not use the Platform to process Transactions in respect of, or in connection with:
Goods or services that are illegal, prohibited, or restricted under applicable Indian law;
Activities associated with money laundering, terrorist financing, or other unlawful financial activities;
Gambling, wagering, lotteries, or games of chance that are not lawfully permitted in the relevant jurisdiction;
Adult content, obscene material, or content that violates applicable laws relating to decency and morality;
Goods or services on RBI’s or NPCI’s negative list or any list of prohibited categories as communicated by Fingpay from time to time;
Arms, ammunition, explosives, narcotics, or any other controlled or regulated substances or items; and
Any other category of goods or services notified by Fingpay as prohibited, in its sole discretion.
7.3 Customer Data Responsibilities
Where a Merchant collects, processes, or transmits customer personal information or Sensitive Personal Data or Information (SPDI) through Fingpay-powered solutions, the Merchant shall:
Obtain all necessary consents from customers as required under applicable law, including the SPDI Rules, prior to sharing such data with Fingpay;
Ensure that any customer data shared with Fingpay is accurate and has been collected in a lawful manner;
Implement appropriate technical and organisational measures to protect customer data in its possession or control;
Not instruct Fingpay to use customer data for any purpose other than that for which it was collected and shared; and
Indemnify Fingpay against any claim, penalty, or loss arising from the Merchant’s unlawful collection, processing, or sharing of customer data.
The handling of personal data by Fingpay is governed exclusively by Fingpay’s Privacy Policy.
7.4 Merchant Responsibility for Customer Disputes
The Merchant is solely responsible for resolving all disputes with its customers relating to the underlying goods or services transacted through the Platform. Fingpay’s responsibility is limited to the payment processing layer. Fingpay shall not be required to adjudicate or mediate commercial disputes between Merchants and their customers.
8. Intellectual Property
8.1 Ownership
The Platform, including all software, source code, algorithms, APIs, SDKs, databases, designs, user interfaces, trademarks, trade names, logos, and content available on or through the Platform, is the exclusive property of Tapits Technologies Pvt. Ltd. or its licensors. All rights, title, and interest in and to the Platform and the Intellectual Property associated with it are reserved by Fingpay.
8.2 Limited Licence to Users
Subject to your compliance with these Terms, Fingpay grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for the purpose of availing the Services for which you have been authorised. This licence does not include any right to:
Sub-license, resell, or commercially exploit the Platform or any part thereof;
Reproduce, copy, distribute, publicly display, or create derivative works from any part of the Platform;
Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of any software comprising the Platform;
Scrape, crawl, or use automated tools to extract content or data from the Platform; or
Remove or alter any proprietary notices, labels, or marks on the Platform.
8.3 API and SDK Terms
Access to and use of Fingpay’s APIs and SDKs is subject to additional terms and technical documentation provided by Fingpay at the time of API or SDK access. In the event of any conflict between these Terms and specific API or SDK terms, the specific API or SDK terms shall prevail with respect to API and SDK usage only.
8.4 User Content
To the extent you submit or upload content to the Platform (such as business information, product descriptions, or transaction data), you grant Fingpay a non-exclusive, royalty-free, worldwide licence to use, process, store, and display such content solely for the purpose of providing the Services to you. You represent and warrant that you own or have the necessary rights to submit such content, and that such content does not infringe any third-party intellectual property rights.
8.5 Trademarks
‘Fingpay’, ‘Tapits’, the Fingpay logo, and all associated marks are trademarks or registered trademarks of Tapits Technologies Pvt. Ltd. You must not use any such marks without Fingpay’s prior written consent.
9. User Rights and Acceptable Use
9.1 Permitted Uses
You may use the Platform solely for lawful purposes and in accordance with these Terms. Permitted uses include:
Accessing and using the Services for which you have been duly registered and authorised;
Initiating and processing Transactions in connection with your legitimate business operations;
Integrating Fingpay’s APIs and SDKs into your own applications in accordance with the applicable API or SDK terms; and
Accessing account statements, transaction reports, and other information made available to you through your account.
9.2 Prohibited Activities
The following activities are strictly prohibited on the Platform (each, a ‘Prohibited Activity’):
Using the Platform for any unlawful purpose, or in any manner that violates these Terms or applicable law;
Engaging in, facilitating, or attempting to facilitate any form of money laundering, terrorist financing, or other financial crime;
Impersonating any person or entity, or misrepresenting your identity, affiliation, or authority;
Attempting to gain unauthorised access to any part of the Platform, other user accounts, or Fingpay’s internal systems;
Interfering with or disrupting the integrity, performance, or availability of the Platform or its underlying infrastructure;
Uploading or transmitting any malicious code, virus, malware, or other harmful software;
Conducting or facilitating any denial-of-service attack or similar attack on the Platform;
Collecting or harvesting any personally identifiable information of other users without their express consent;
Using the Platform to process Transactions for prohibited categories of goods or services as described in Section 7.2;
Engaging in any fraudulent, deceptive, or manipulative conduct in connection with Transactions;
Using automated scripts, bots, or other automated means to access or interact with the Platform in a manner not authorised by Fingpay; and
Attempting to circumvent any security, authentication, or access control mechanism of the Platform.
9.3 Consequences of Prohibited Activities
Fingpay reserves the right to take any or all of the following actions upon detection or reasonable suspicion of a Prohibited Activity:
Immediately suspend or terminate your account without prior notice;
Withhold settlement of any pending Transaction amounts;
Report the matter to relevant regulatory or law enforcement authorities; and
Initiate legal proceedings to recover losses or damages suffered by Fingpay or third parties.
10. Cookies
The Platform uses cookies and similar tracking technologies to enhance the user experience and to support the functionality of certain features. The manner in which Fingpay uses cookies, the types of cookies deployed, and your options with respect to cookie settings are described in full in Fingpay’s Privacy Policy. Your use of the Platform constitutes your acknowledgement of and consent to Fingpay’s cookie practices as set out in the Privacy Policy.
11. Third-Party Links and Services
The Platform may contain hyperlinks to third-party websites, applications, or services, or may integrate with third-party payment networks, authentication gateways, financial institutions, or technology providers. Such links or integrations are provided for operational or informational convenience only and do not constitute an endorsement, recommendation, or approval by Fingpay of the linked or integrated third party, its content, products, or services.
Fingpay exercises no control over third-party websites or services and is not responsible for their content, privacy practices, security standards, or availability. When you navigate away from the Platform to a third-party website or service, you do so at your own risk, and any information you provide to such third party is subject to that third party’s own terms and privacy policy.
Where you are redirected to a third-party interface as part of a payment or authentication flow (such as a bank’s net banking portal or a UIDAI authentication gateway), your interaction with such interface is entirely governed by the applicable third party’s terms and policies. Fingpay shall not be liable for any loss, damage, or adverse outcome arising from your use of, or reliance on, any third-party website or service.
12. Disclaimers and Limitation of Liability
12.1 “As Is” Basis
The Platform and all Services are provided on an “as is” and “as available” basis without any representations or warranties of any kind, express or implied. To the fullest extent permitted by applicable law, Fingpay expressly disclaims all warranties, including but not limited to:
Implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
Warranties that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components;
Warranties as to the accuracy, completeness, reliability, or timeliness of any information provided through the Platform; and
Warranties that any defects in the Platform will be corrected.
12.2 No Guarantee of Service Continuity
Fingpay does not guarantee that the Platform or any Service will be available at all times, without interruption, or free from technical errors or delays. The availability of the Platform is subject to scheduled and unscheduled maintenance, network conditions, regulatory requirements, and other factors beyond Fingpay’s control.
12.3 Limitation of Liability
To the maximum extent permitted by applicable law:
Fingpay’s total aggregate liability to any User arising out of or in connection with these Terms or the use of the Platform shall not exceed the amount of fees actually paid by such User to Fingpay in the three (3) months immediately preceding the event giving rise to the claim, or INR 10,000 (Indian Rupees Ten Thousand), whichever is lower;
Fingpay shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including loss of profit, loss of data, business interruption, or loss of goodwill, even if Fingpay has been advised of the possibility of such damages; and
Nothing in these Terms limits Fingpay’s liability for death or personal injury caused by Fingpay’s gross negligence, fraud, or wilful misconduct, or for any liability that cannot be excluded by applicable law.
12.4 Force Majeure
Fingpay shall not be liable for any failure or delay in performance of its obligations under these Terms to the extent that such failure or delay arises from circumstances beyond Fingpay’s reasonable control, including but not limited to:
Failures or outages of banking systems, NPCI infrastructure, telecommunications networks, or internet service providers;
Acts of God, natural disasters, epidemics, or pandemics;
War, terrorism, civil unrest, strikes, or industrial action;
Actions, directives, or restrictions imposed by the RBI, NPCI, government authorities, or any competent regulatory body; and
Any other event beyond Fingpay’s reasonable control.
Fingpay will endeavour to resume normal operations as soon as reasonably practicable following a force majeure event and will communicate material disruptions to affected Users through available channels.
13. Indemnification
You agree to indemnify, defend, and hold harmless Fingpay, Tapits Technologies Pvt. Ltd., and their respective directors, officers, employees, agents, affiliates, and successors (collectively, the ‘Indemnified Parties’) from and against any and all claims, actions, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
Your use of or access to the Platform or any Service;
Your breach of any representation, warranty, obligation, or covenant contained in these Terms;
Your violation of any applicable law, regulation, or third-party right, including intellectual property rights;
Any Prohibited Activity conducted by you or through your account;
Any fraudulent, negligent, or unlawful act or omission by you in connection with the Platform; or
Any claim brought by a third party (including your customers) arising from your use of the Platform or your business operations carried out in connection with the Platform.
Fingpay reserves the right, at its own expense, to assume the exclusive defence and control of any matter subject to indemnification by you, in which event you will cooperate with Fingpay in asserting any available defences. You shall not settle any claim for which indemnification is sought without Fingpay’s prior written consent.
14. Termination
14.1 Termination by Fingpay
Fingpay may suspend, restrict, or terminate your access to the Platform, with or without notice, at its sole discretion:
In the event of any breach by you of these Terms;
Upon receipt of any directive, order, or instruction from the RBI, NPCI, or any other competent regulatory or law enforcement authority;
If Fingpay reasonably suspects or determines that your account is being used for fraudulent, unlawful, or Prohibited Activities;
If you fail to complete or maintain applicable KYC requirements;
If your account has been inactive for an extended period as determined by Fingpay; or
In the event of cessation of any Service or the Platform, in whole or in part, for regulatory, operational, or business reasons.
14.2 Termination by User
You may discontinue use of the Platform at any time by ceasing to access the Services and by notifying Fingpay in writing of your intention to deactivate your account. Deactivation of your account is subject to completion of all pending Transactions, resolution of any outstanding Chargebacks or disputes, and settlement of all amounts due to Fingpay.
14.3 Obligations Surviving Termination
The following provisions shall survive the termination or expiry of these Terms for any reason:
Section 8 (Intellectual Property);
Section 12 (Disclaimers and Limitation of Liability);
Section 13 (Indemnification);
Section 16 (Governing Law and Jurisdiction); and
Any other provision that by its nature is intended to survive termination.
Termination of your access to the Platform shall not affect any rights or remedies accrued by either party prior to the date of termination. Fingpay shall retain transaction records and relevant data for the periods required by applicable law, notwithstanding account termination.
15. Amendments to These Terms
Fingpay reserves the right to amend, modify, or update these Terms at any time, at its sole discretion, to reflect changes in its services, business practices, applicable law, or regulatory requirements.
The updated Terms will be published on the Platform bearing the revised ‘Last Updated’ date. Where Fingpay makes material changes to these Terms, Fingpay will endeavour to notify registered Users through one or more of the following channels: email notification to the registered email address, a notice on the Platform, or an in-app notification.
Continued use of the Platform following the publication of updated Terms constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must discontinue use of the Platform and may request deactivation of your account by writing to info@tapits.in.
Fingpay recommends that you periodically review these Terms to remain informed of the current version.
16. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.
Subject to any mandatory arbitration or regulatory dispute resolution requirements applicable under Indian law, any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity, breach, or termination, shall be subject to the exclusive jurisdiction of the competent courts located in Mumbai, Maharashtra, India.
In the event of any dispute, the parties shall endeavour to resolve such dispute amicably through good faith negotiations. If the dispute cannot be resolved within thirty (30) days of written notice by either party, either party may seek appropriate legal remedy in the courts of competent jurisdiction as specified above.
17. Contact and Grievance Redressal
For complaints, grievances, or escalations relating to any Service or Transaction processed through the Platform, please refer to the Grievance Redressal section of Fingpay’s Privacy Policy, which sets out the full escalation matrix, resolution timelines, designated contact details, and information regarding the RBI Digital Payments Ombudsman Scheme.
For general enquiries relating to these Terms or the Platform, please contact:
Tapits Technologies Pvt. Ltd. (Fingpay)
CIN: U72900MP2016PTC040639
GST: 23AAFCT7179K1ZV
Registered Office: 20 Dhenu Market, Indore 452003, Madhya Pradesh, India
Additional Offices: Laxmi Tower, Bharat Nagar Rd, G Block BKC, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra 400051; 35 Paigah Colony, Begumpet, Secunderabad, Hyderabad, Telangana 500003
General Enquiries: info@tapits.in