By using Paymorz, you agree to the following terms and conditions. Please read them carefully before accessing.
Effective Date: 01.08.2025
Entity: QUANTUMCONA LLP (LLPIN: ACE-8779)
Registered Office: Survey No. 130P and 115/1P, We Work Rajapushpa, Nanakramguda Main Road, Medchal–Malkajgiri, Telangana – 500032, India
Trademark: Paymorz™ (registered trademark of QUANTUMCONA LLP)
These Terms of Service ("Terms") form a legally binding agreement between you ("User," "you," or "your") and QUANTUMCONA LLP, the registered owner and operator of the Paymorz™ digital platform ("Company," "we," "our," or "us").
Paymorz™ provides an enterprise-grade vendor management platform with secure payment processing and facilitates secure holding and release of Client funds through a Payment Gateway-operated account in accordance with RBI regulations. Clients onboard, manage, verify, and initiate payments to their selected Vendors or Service Providers through the Platform. Vendors/Service Providers receive payments upon the Client's release instruction, milestone approval, or other conditions. Paymorz™ does not match Clients and Vendors, does not mediate service contracts, and does not provide freelancer marketplace features.
By accessing, registering, or using the Platform (including the website www.paymorz.com and the Paymorz mobile application), you agree that you have read, understood, and consented to be bound by:
If you do not agree with these Terms or any related policy, you must immediately discontinue using the Platform.
These Terms are issued by QUANTUMCONA LLP (LLPIN: ACE-8779), having its registered office at Survey No. 130P and 115/1P, We Work Rajapushpa, Nanakramguda Main Road, Medchal-Malkajgiri, Telangana – 500032, India.
Unless the context otherwise requires, the following expressions shall have the meanings assigned to them below.
"Account" means a registered user account created on the Paymorz™ Platform to access or use its services. For clarity, an Account does not confer any right to offer or solicit public freelance marketplace services or talent-matching opportunities.
"Applicable Law" means all statutes, rules, regulations, notifications, orders, guidelines, and circulars issued by any governmental or regulatory authority in India, including but not limited to the Information Technology Act 2000, DPDP Act 2023, and RBI Payment Aggregator / Payment Gateway Directions as well as any other rules governing nodal accounts, KYC/AML, and payment-system compliance.
"Business Day" means a day other than Saturday, Sunday, or an official public holiday in India on which banks and financial institutions remain open for business.
"Client" means any registered user who onboards, manages, verifies, and pays its own selected Vendors or Service Providers using the Paymorz™ Platform.
"Freelancer" (or "Service Provider") means an independent professional, contractor, or agency engaged directly by a Client outside the Platform, whose invoice-based payments are facilitated through Paymorz™. Paymorz™ does not match, assign, recommend, or adjudicate relationships between Clients and Vendors.
"User" collectively refers to any person or entity using the Platform, including Clients, Vendors, or any other authorised user interacting with the Platform for vendor-management or payment-related functionality.
"Platform" means the Paymorz™ website (www.paymorz.com), its mobile applications, and related software, interfaces, and services operated by QUANTUMCONA LLP.
"Services" means the vendor-management, compliance support, invoice processing, and payment-facilitation functionalities offered by Paymorz™ through integrated Payment Gateway Partners. "Services" expressly exclude marketplace features such as project posting, bidding, talent matching, performance evaluation, or milestone management.
"Payment Gateway Partner" means the third-party payment processor(s) integrated with Paymorz™ for secure transaction processing, settlement, and refunds, in accordance with RBI Payment Aggregator and Payment Gateway regulations.
"Settlement Period" means the period commencing on the transaction date and ending T+2 Business Days thereafter, subject to the policies and settlement cycles of our Payment Gateway Partner. Paymorz™ does not control or accelerate settlement timelines.
"Dispute" means any disagreement or claim relating to payment processing, compliance verification, or platform-related issues. Disputes relating to service quality, deliverables, delays, or commercial arrangements between Clients and Vendors fall outside the scope of Paymorz™ and must be resolved directly between the parties.
"Refund" means any reversal or partial reversal of funds initiated pursuant to the Paymorz™ Cancellation & Refund Policy.
"Personal Data" has the meaning assigned under the Digital Personal Data Protection Act 2023 and includes any data that can identify an individual.
"KYC Information" means user identity and business verification details (such as PAN, Aadhaar, GST, or bank details) collected in accordance with applicable laws, solely for compliance and payment-processing purposes.
"We," "us," and "our" refer to QUANTUMCONA LLP, the registered owner and operator of Paymorz™.
You may use the Paymorz™ Platform only if you:
The Platform is intended for business, vendor-management, and payment transactions between Clients and their selected Vendors.
To access Platform features, you must register and maintain an Account. During registration, you agree to provide accurate, complete, and updated information including your name, email address, contact number, and identity verification details. Your login credentials are personal to you and may not be shared with or transferred to any other person or entity.
Account creation is required to initiate, hold, release, or receive funds through our authorised Payment Gateway Partner.
As part of our compliance with applicable laws and our Payment Gateway Partner's requirements, you consent to our collection and verification of your KYC Information, which may include PAN, Aadhaar (for identity confirmation only), GST registration details, and bank account information. We use this data solely for identity validation, transaction settlement, and compliance purposes, and store it in accordance with the Digital Personal Data Protection Act 2023 and UIDAI guidelines.
Incomplete or failed KYC may prevent or delay deposits, milestone releases, or settlement to Vendors until verification is completed.
Paymorz™ or the Payment Gateway Partner may request additional documents at any time to comply with AML, fraud-prevention, or regulatory requirements.
Each User is permitted to maintain only one Account. Creating duplicate or fraudulent accounts may result in immediate suspension and restriction or reversal of access to funds, subject to applicable Payment Gateway Partner rules.
Paymorz™ may, at its discretion, consolidate or restrict duplicate accounts to mitigate financial or compliance risks.
If you register on behalf of a company or legal entity, you represent that you have authority to bind that entity to these Terms. All references to "you" and "your" shall include the entity and its authorised users.
The entity is responsible for all transactions initiated or approved through its authorised representatives.
You must maintain accurate and current information in your Account. We may suspend or terminate access if information is found to be false, incomplete, or misleading.
You agree to use the Platform only for lawful business, vendor-management, invoicing, payment, and settlement-related activities and not for any fraudulent, deceptive, or restricted transactions.
Paymorz™ reserves the right to deny or terminate access where required by law or our Payment Gateway Partner's compliance policy.
Use of the Platform to circumvent payment timelines or settle payments outside authorised Payment Gateway Partner channels is strictly prohibited.
Paymorz™ is a comprehensive vendor-management and payment facilitation platform that empowers businesses to seamlessly onboard, verify, and manage their chosen vendors or service providers for any project or operational requirement. The platform offers structured workflows for vendor onboarding, invoice submission and tracking, performance visibility, secure payment releases.
Paymorz™ does not provide a public marketplace, talent directory, or service solicitation forum, matching, bidding system, or project solicitation environment.
Paymorz™ does not employ, manage, or control Freelancers and is not a party to any contract between Clients and Vendors. Each User acknowledges that:
Paymorz™ does not oversee service quality, delivery timelines, contractual terms, or deliverable acceptance, and shall not be responsible for disputes relating to performance, quality, or commercial expectations.
Paymorz™ enables secure transactions through authorized Payment Gateway Partners. Funds are deposited by Clients into an RBI-compliant nodal account operated by our Payment Gateway Partner. Funds remain under the control of the Payment Gateway Partner and are released only upon: (a) Client authorization for payment, (b) successful processing of the submitted invoice, or (c) conditions prescribed under the applicable terms.
Settlement to eligible recipients is initiated on a T+2 Business Day basis, subject to the processing timelines and operational rules of the Payment Gateway Partner and banking institutions.
Paymorz™ does not control or guarantee the timing of settlement, the success of payment authorization, delays caused by banks, networks, regulatory holds, or Payment Gateway Partner processes. The Company's obligation is limited to transmitting authorized payment, refund, or release instructions to the Payment Gateway Partner based strictly on Client approvals. Paymorz™ does not at any stage hold user funds.
The Platform may include dashboards, invoicing interfaces, statistics for tracking their vendor payment and sending invoices. Paymorz™ reserves the right to modify, suspend, or discontinue any feature or service at its discretion without prior notice, provided such modification does not materially impair ongoing contractual commitments, and provided it does not compromise the integrity of ongoing funds or violate existing regulatory obligations.
Paymorz™ makes no representation or warranty regarding the accuracy, quality, reliability, or suitability of any Vendor, Client, project, deliverable, or commercial arrangement engaged. Users are responsible for verifying qualifications, project suitability, and contractual terms before engagement.
Paymorz™ does not assess or guarantee vendor performance, service outcomes, or compliance with contractual obligations.
Paymorz™ operates in accordance with applicable Indian laws, including the Information Technology Act 2000, DPDP Act 2023, and RBI payment settlement directives. The Platform's role is strictly limited to technological facilitation, payment instruction forwarding, compliance verification, record maintenance, and intermediary communication with Payment Gateway Partners as per these laws.
Paymorz™ does not exercise custodial control over funds and shall at all times operate strictly within the Payment Aggregator/Payment Gateway regulatory framework.
By using the Platform, you agree to:
You further agree to comply with all KYC requirements and Payment Gateway Partner rules while transacting through the Platform.
You shall not, directly or indirectly:
In addition, Users shall not engage in any activity that may:
You acknowledge that you may receive access to confidential information (including transaction details, client / vendor data, payment information, or proprietary materials). You agree to:
You must also ensure that any personally identifiable information shared between Client and Vendor is communicated lawfully, securely, and only when necessary for fulfilment of an agreed engagement.
Users shall not attempt to complete, settle, or negotiate transactions initiated on Paymorz™ outside the Platform or in a manner that avoids applicable fees or payment gateway usage.
Violation of this clause may result in immediate termination of account, suspension of access to funds, delayed release pending investigation, and potential legal action.
Paymorz™ reserves the right to deny payment release or refund requests where circumvention, fraud, or fee evasion is suspected.
Users agree to cooperate fully with Paymorz™ in any investigation, audit, or dispute, including providing requested documentation, communication records, or identity verification when reasonably required.
Failure to cooperate may result in delayed payment release, restricted account access, or compliance reporting to Payment Gateway Partners or authorities.
Paymorz™ reserves the right to monitor platform activity and suspend, restrict, or terminate any account that violates these Terms or applicable law. Reinstatement is at the Company's sole discretion.
Paymorz™ may also pause, withhold, or restrict access to funds where fraudulent, deceptive, disputed, or unauthorized activity is suspected, pending compliance or security review.
Paymorz™ will request the Payment Gateway Partner to place administrative holds where applicable; actual holds and reversals are executed by the Payment Gateway Partner in accordance with their rules.
You are solely responsible for safeguarding your Account credentials, including login ID, password, and any authentication tokens. You must not share these credentials with any third party.
You agree to:
Paymorz™ is not liable for any loss or damage arising from your failure to maintain Account security.
Any unauthorized instruction issued from your Account may be treated as authorized until you notify Paymorz™; however, Paymorz™ will act reasonably and promptly to investigate and, where appropriate, instruct the Payment Gateway Partner to reverse or remediate wrongful releases in accordance with gateway rules and applicable law.
Paymorz™ may periodically review Accounts for suspicious activity, incomplete KYC, or policy violations. The Company reserves the right to request additional verification or documentation at any time to comply with legal, tax, or regulatory requirements.
You agree to promptly respond to any such requests. Failure to do so may result in delayed payment release, temporary holds, or account suspension.
Paymorz™ may temporarily suspend your Account, restrict access, or place funds under review or compliance hold under the following circumstances:
During suspension, access to certain features (including withdrawals or payment release requests) may be limited.
Paymorz™ may also instruct the Payment Gateway Partner to pause disbursement or refunds until the issue is resolved.
Paymorz™ may permanently terminate your Account and revoke access if:
Paymorz™ will make reasonable efforts to notify you of termination by email or in-app notification unless prohibited by law or investigation confidentiality.
Immediate termination without notice may occur where fraud, regulatory breach, or unauthorized activity is detected.
Upon termination:
Termination does not affect any obligation relating to fees, charge backs, disputes, or regulatory inquiries initiated prior to termination.
You may request Account closure at any time by contacting support@paymorz.com. Closure requests will not affect transactions already in progress, and funds will be processed as per applicable settlement timelines.
Account closure will not override pending compliance reviews, charge back investigations, or payment holds.
Reinstatement of a suspended or terminated Account is at Paymorz™'s sole discretion and may require additional verification or payment of any outstanding dues or penalties.
Paymorz™ may impose enhanced KYC, security checks, or limited feature access as conditions for reinstatement.
Paymorz™ facilitates all payments between Clients and Vendors/Service Providers through secure, RBI-authorized Payment Gateway Partners. The Platform acts solely as a technological intermediary and does not hold, own, or manage user funds directly.
All payment processing, settlement, refunds, and reversals are executed exclusively by the Payment Gateway Partner in accordance with RBI Payment Aggregator / Payment Gateway Directions. Paymorz™ only forwards authorized instructions and does not exercise custody or control over funds.
When a Client funds a transaction, invoice, engagement, the payment amount is credited to a designated account managed by our Payment Gateway Partner. The funds remain held until the dispute resolution process determines fund allocation.
Funds do not belong to Paymorz™ at any stage, and Paymorz™ cannot redirect, hold, freeze, or reassign funds except by transmitting Client-authorized instructions or as mandated by Payment Gateway or regulatory authorities.
Paymorz™ may request administrative holds or reversal actions through the Payment Gateway Partner, but the execution and timing of any such hold or reversal are subject to the Payment Gateway Partner's policies and banking processes.
Upon Client approval or completion of the applicable review period, Paymorz™ will instruct the Payment Gateway Partner to release the corresponding funds to the Vendor's/Service Provider's verified account, subject to applicable service fees, taxes, and compliance verification.
Payment releases may be delayed where KYC, AML, compliance flags, charge backs, suspicious-activity reviews, or gateway-initiated holds are active.
Fund settlement to eligible Vendors is typically initiated on a T+2 Business Day basis (two business days after the transaction date or approval date), subject to the Payment Gateway Partner's settlement policies, RBI guidelines, and banking holidays.
Paymorz™ does not control or guarantee the exact settlement timing. Settlement may be delayed due to:
Users acknowledge that delays originating at the Payment Gateway Partner or banking networks are outside Paymorz™'s control.
All financial transactions, settlements, and refunds are processed under the operational control of the Payment Gateway Partner(s). Paymorz™ shall not be liable for any delay, failure, or error caused by such third parties, banks, or financial institutions, except to the extent such loss or damage is directly caused by Paymorz™'s proven gross negligence or willful misconduct in relation to the transmission of authorized instructions.
Paymorz™ does not guarantee uninterrupted availability of the Payment Gateway Partner's services.
Vendors/Service Providers: Paymorz™ may charge a platform service fee on each successful transaction, deducted automatically prior to fund release.
Clients: A processing or convenience fee may apply on invoice or milestone funding, visible at checkout.
Fees are non-refundable once the transaction is completed, except in cases of verified technical errors or as mandated by law.
Refunds of fees are further subject to non-refundable gateway MDR and statutory deductions.
Each User is solely responsible for complying with applicable tax laws, including GST, TDS, and income tax. Paymorz™ may, where required, deduct TDS or collect GST as per statutory obligations. System-generated invoices and transaction summaries will be made available for record-keeping and compliance.
Paymorz™ does not provide tax advice and shall not be responsible for Users' tax reporting obligations.
In the event of charge backs, disputes, or refunds, Paymorz™ may temporarily instruct the Payment Gateway Partner to place funds under review until the matter is resolved.
Refund eligibility, deduction of fees, and refund timelines are governed by the Cancellation & Refund Policy, which forms an integral part of these Terms.
Charge back outcomes are determined solely by the issuing bank and card network rules. Paymorz™ has no authority to overrule bank or gateway decisions.
Paymorz™ reserves the right to recommend or request the Payment Gateway Partner to place holds, offsets, or adjustments in the following circumstances:
Any hold or offset is executed by the Payment Gateway Partner, not Paymorz™ itself.
All payments are processed in Indian Rupees (INR) unless otherwise specified. For international transactions, foreign exchange conversion rates and associated charges will be determined by the Payment Gateway Partner and/or the User's bank.
Paymorz™ maintains detailed digital transaction logs and audit trails for a minimum of 8 years for regulatory and tax compliance. Users may access basic transaction history via their dashboards.
Additional logs may be retained where required by RBI, tax authorities, law enforcement, or Payment Gateway Partners.
Funds held do not accrue interest. Users agree that no interest or other return will be payable for the duration funds remain under settlement processing.
All interest, if any, accrues solely to the Payment Gateway Partner or bank in accordance with regulatory norms.
Paymorz™ provides a neutral payment-dispute facilitation mechanism for resolving disputes between Clients and Vendors/Service Providers arising out of transactions or invoice-based engagements initiated on the Platform.
Paymorz™ is not a judicial or arbitral authority, and its role is limited to assisting Parties in reaching a resolution based on transaction records, invoices, milestone acknowledgements, and evidence available on the Platform. Paymorz™ does not adjudicate legal liability or damages and will only evaluate performance claims to the extent necessary to determine the appropriate payment release.
Disputes eligible for Platform resolution include:
Disputes purely related to off-platform discussions, scope changes, subjective service quality claims, or unrecorded agreements fall outside Platform jurisdiction.
A User may raise a dispute through the Platform's official dispute resolution module or by email to support@paymorz.com within 7 calendar days of invoice submission, milestone upload, or deliverable submission, whichever is earlier.
Disputes raised after funds have been released may not be eligible for Platform intervention.
Both parties must provide relevant evidence including communications, work agreements, deliverables, or screenshots as requested by Paymorz™. Failure to provide requested information within the stipulated time may adversely affect a party's claim.
Paymorz™ will consider only information available on or submitted through the Platform or officially approved channels.
Upon receiving a dispute, Paymorz™ will:
The Company's determination may include:
Paymorz™'s role is limited to determining the appropriate instruction to the Payment Gateway Partner; Paymorz™ does not determine legal liability or damages.
Both parties agree that Paymorz™'s decision, made in good faith and supported by evidence, shall be final and binding within the scope of Platform operations.
Either party may pursue external legal remedies at their own cost and risk after the internal process is exhausted.
Funds will not be released until the internal process is completed, unless required by law or instructed by the Payment Gateway Partner.
During an active dispute, Paymorz™ may request the Payment Gateway Partner to place administrative or compliance holds on pending funds to prevent withdrawal until the matter is resolved.
Settlement and release instructions to the Payment Gateway Partner will occur only after Paymorz™ issues its determination.
Paymorz™ does not unilaterally freeze funds; any hold is executed by the Payment Gateway Partner in accordance with its operational rules.
Paymorz™ shall not be responsible for disputes arising from agreements or communications made outside the Platform, including off-platform negotiations, offline payments, off-platform work delivery, or engagements not funded through the Platform.
Any off-platform arrangements void Platform dispute rights.
If a User is dissatisfied with the outcome of a Platform-mediated dispute, they may escalate the matter by writing to the Grievance Officer at grievance@paymorz.com within 7 Business Days of the decision.
The Grievance Officer will review the case independently and respond within 15 Business Days.
The Grievance Officer's review is limited to procedural fairness and evidence evaluation; it is not a re-trial or arbitration.
All rights, title, and interest in and to the Paymorz™ Platform —including but not limited to its software, source code, user interface, design elements, databases, trademarks, trade names, logos, domain names, documentation, and all associated intellectual property —are and shall remain the exclusive property of QUANTUMCONA LLP or its licensors.
Nothing in these Terms grants any license or right to reproduce, modify, or commercially exploit any part of the Platform without our prior written consent.
Users acknowledge that Platform elements may be protected by copyright, trademark, trade secret, and other IP laws in India and internationally.
Subject to your compliance with these Terms, Paymorz™ grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for legitimate business, vendor-management, invoicing, or payment transactions conducted through it.
This license does not include the right to copy, reverse engineer, decompile, or create derivative works of the Platform.
Any unauthorized use shall result in immediate termination of the license.
You retain ownership of any content (such as profile information, vendor profiles, business documentation, compliance information, invoices, or uploaded documents) that you submit to the Platform ("User-Generated Content"). By submitting or uploading UGC, you grant Paymorz™ a worldwide, royalty-free, non-exclusive license to host, display, store, and transmit such content solely for the purpose of operating and improving the Platform.
You represent that your UGC does not infringe the rights of any third party and that you have obtained all necessary permissions.
UGC may be used for identity verification, compliance checks, fraud-prevention systems, and dispute resolution where applicable.
Unless otherwise agreed in writing between the Client and Vendor/Service Provider through the Platform:
Paymorz™ is not a party to any IP assignment and does not guarantee the originality, legality, or enforceability of Work Product. IP ownership is entirely governed by the agreement between Client and Vendor.
Where any third-party content, software, or materials are incorporated into a Work Product, the Vendor/Service Provider shall ensure that such use is properly licensed and shall grant the Client only those rights permitted by the relevant license terms.
Paymorz™ bears no responsibility for unlicensed or improper use of third-party content by Users.
The marks "Paymorz™", "Quantumcona LLP", and all related logos, slogans, and trade dress are registered or unregistered trademarks owned or controlled by Quantumcona LLP. Users may not use these marks, or any confusingly similar variations, without express written authorization.
All goodwill arising from authorized use shall accrue solely to Quantumcona LLP.
Paymorz™ respects the intellectual-property rights of others and will respond promptly to valid notices of alleged infringement. If you believe content on the Platform infringes your rights, please email grievance@paymorz.com with supporting documentation.
Paymorz™ may remove or disable access to allegedly infringing material pending investigation, without liability to the User.
The provisions of this Clause shall survive termination of your Account and continue to apply to any IP created, transferred, or hosted through the Platform prior to termination.
This includes Work Product rights, UGC licenses, and all Platform IP protections.
Paymorz™ is committed to protecting your personal information and handling it responsibly in accordance with the Digital Personal Data Protection Act, 2023 ("DPDP Act"), the Information Technology Act, 2000, and other applicable data protection laws.
Paymorz™ functions as a Data Fiduciary under the DPDP Act and processes personal data only for lawful, necessary, and limited purposes directly connected to Platform operations.
By accessing or using the Platform, you consent to the collection, storage, use, and processing of your personal information in accordance with our Privacy Policy, which forms an integral part of these Terms.
You further consent to our sharing of such data with verified third-party partners (e.g., payment gateways, KYC vendors, OTP services) solely for lawful and contractual purposes.
You acknowledge that certain data sharing is mandatory for KYC, AML compliance, and Payment Gateway Partner requirements. Refusal to provide required data may limit or prevent Platform usage.
We may collect and process the following categories of data:
No biometric, financial password, or sensitive personal data is collected unless expressly required by law or KYC norms.
Your data is collected and processed for the following lawful purposes:
All data is processed on one or more lawful bases, including your explicit consent, contractual necessity, or compliance with a legal obligation under Indian law.
Paymorz™ shall not process personal data for advertising, profiling, or unrelated commercial purposes.
If Aadhaar details are collected for KYC or identity verification, they will be used solely for that purpose, stored securely in masked or encrypted form, and deleted or anonymised after completion of verification unless longer retention is required by law.
Paymorz™ does not display, disclose, or use Aadhaar numbers for profiling or marketing.
Aadhaar authentication is performed only through authorized e-KYC / KUA-compliant processors (e.g., Sandbox) where legally permissible; Paymorz™ does not store Aadhaar numbers and retains only verification tokens or masked references as permitted by UIDAI.
All user data is stored within data centers located in India, consistent with applicable regulatory and contractual requirements.
We use authorized sub-processors —including Clerk, 2factor.in, Sandbox, Razorpay, Supabase, Google Cloud (India region), Mixpanel, and Google Analytics —for limited processing activities such as authentication, messaging, hosting, analytics, and payment facilitation.
Each sub-processor operates under a binding Data Processing Addendum (DPA) that requires equivalent security, confidentiality, and DPDP compliance. A current list of sub-processors is available upon written request.
No personal data is transferred outside India except as permitted under the DPDP Act or where strictly necessary with user consent and appropriate safeguards.
Paymorz™ implements appropriate technical and organizational measures, including encryption, access controls, role-based permissions, and secure storage infrastructure, to protect data against unauthorized access, alteration, or loss.
Security safeguards follow industry standards such as HTTPS, encrypted data-at-rest, regular penetration testing, and least-privilege access protocols.
We retain user and transaction data only for as long as necessary to fulfil lawful purposes or comply with regulatory retention requirements (e.g., 8 years for invoices and financial records).
You may request deletion of your Account and personal data by emailing support@paymorz.com, subject to verification and legal retention exceptions.
Post-deletion, certain metadata or logs may be retained as mandated by the Payment Gateway Partner, tax authorities, or law enforcement.
Under the DPDP Act, you have the right to:
All such requests can be made to grievance@paymorz.com.
Exercise of rights is subject to identity verification and may take up to the legally permitted period to fulfil.
In the event of a personal data breach likely to cause harm, Paymorz™ shall notify affected Users and relevant authorities as required under Applicable Law.
Paymorz™ may also request Password resets, suspend accounts, or implement emergency controls to mitigate risk.
The detailed Privacy Policy and Data Processing Addendum (DPA) available on the Platform form integral parts of these Terms.
In case of any conflict, the provisions of the DPA shall prevail with respect to data handling and sub-processing.
Users are encouraged to periodically review these documents to stay informed of updates to data practices.
The Paymorz™ Platform, including all content, tools, and services, is provided on an "as is" and "as available" basis without warranties of any kind, express or implied.
Paymorz™ does not guarantee uninterrupted, secure, or error-free operation of the Platform or that all defects will be corrected immediately.
Paymorz™ expressly disclaims any warranties regarding uninterrupted payment availability, Payment Gateway Partner uptime, or error-free integration with third-party systems.
To the fullest extent permitted by Applicable Law:
Paymorz™ is not responsible for: service-quality disputes, contract breaches between Client and Vendor, mis-delivery of work, inaccurate invoices, unauthorized off-platform agreements, or misrepresentation by Users.
Paymorz™ does not control, verify, or guarantee the content, deliverables, or contractual terms exchanged between Users.
In all cases, Paymorz™'s total aggregate liability for any claim, whether in contract, tort, or otherwise, shall not exceed the total amount of Platform Service Fees received by Paymorz™ from the transaction giving rise to the claim in the three (3) months preceding the incident.
For clarity, Paymorz™'s liability shall never include amounts held by the Payment Gateway Partner, as such funds are not owned, controlled, or possessed by Paymorz™.
Paymorz™ shall not be held liable for any failure or delay in performance due to circumstances beyond its reasonable control, including but not limited to:
Payment Gateway Partner downtime, banking network outages, or compliance-initiated fund holds are also included in these external causes.
You agree to fully indemnify, defend, and hold harmless QUANTUMCONA LLP, its affiliates, officers, employees, agents, and service providers from and against all losses, liabilities, claims, damages, penalties, costs, and expenses (including reasonable legal fees) arising out of or related to:
Paymorz™ reserves the right, at its own expense, to assume exclusive control of any matter subject to indemnification by you.
You agree to cooperate in good faith with Paymorz™ in defending such matters.
Failure to cooperate may result in account suspension or delayed access to funds.
Indemnity includes losses relating to fraud, unauthorized transactions, charge backs, incorrect payment instructions, circumvention of payment processes, or off-platform negotiations.
Any claim or cause of action arising out of your use of the Platform must be filed within one (1) year after such claim arose; otherwise, it shall be permanently barred.
This limitation applies regardless of the cause of action or legal theory asserted.
The limitations of liability and indemnification obligations in this Clause shall survive termination or expiry of your Account or these Terms.
This survival includes all claims related to transactions, payment activities, disputes, and content uploaded prior to termination.
These Terms, and any dispute arising out of or in connection with them, shall be governed and interpreted in accordance with the laws of India, including (but not limited to) the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023, and all other Applicable laws and regulations.
This includes compliance with RBI Payment Aggregator / Payment Gateway Directions insofar as they relate to settlement and payment processing.
All user-to-user conflicts shall first be addressed through the internal Dispute Resolution Process outlined in Clause 8 of these Terms.
If a matter cannot be resolved through the Platform's internal process or grievance review, the parties may mutually elect to submit the dispute to arbitration or pursue appropriate civil remedies in court as set out below.
No legal action may be initiated until the internal dispute and grievance processes have been fully exhausted, except where prohibited by law.
Subject to mutual agreement in writing, any dispute between a User and Paymorz™ may be referred to binding arbitration under the Arbitration and Conciliation Act, 1996, to be conducted by a sole arbitrator appointed by mutual consent of both parties.
The seat and venue of arbitration shall be Hyderabad, Telangana, India, and the language of proceedings shall be English.
The arbitrator's award shall be final and binding on both parties.
Arbitration shall apply only to disputes involving Paymorz™. User-to-user disputes remain subject to Clause 8 and are not arbitrable against Paymorz™.
Subject to Clause 12.3, the courts and tribunals of Hyderabad, Telangana, India shall have exclusive jurisdiction over all disputes arising out of or relating to these Terms or the use of the Platform.
Users expressly waive any objection to this venue, including objections based on inconvenience or lack of personal jurisdiction.
All notices, complaints, or legal communications shall be sent to:
QUANTUMCONA LLP (Owner of Paymorz™)
Survey No. 130P and 115/1P, We Work Rajapushpa, Nanakramguda Main Road, Medchal-Malkajgiri, Telangana – 500032, India
Notices sent electronically shall be deemed received upon acknowledgement by Paymorz™ or within three (3) Business Days, whichever is earlier.
If any portion of this Clause is deemed invalid by a court, the remaining provisions shall remain fully enforceable, and jurisdiction shall default to Hyderabad, Telangana.
Any invalidation shall not affect the enforceability of the arbitration or governing law provisions.
The governing law and jurisdiction provisions shall survive termination of your Account or any agreement arising from your use of the Platform.
This includes disputes over payments, refunds, compliance, and IP generated prior to termination.
Paymorz™ reserves the right, at its sole discretion, to modify, amend, or update these Terms, the Privacy Policy, or any related policy at any time in response to operational, legal, or regulatory requirements, or to reflect improvements to the Platform's services.
Such modifications may include updates related to payment processes, Payment Gateway Partner integrations, KYC requirements, dispute procedures, compliance mandates, or other Platform features.
Users expressly acknowledge and agree that Paymorz™ may revise policies without prior individual notice except as required by law.
Any material change to these Terms shall be communicated through one or more of the following methods:
Non-material administrative updates may be implemented without formal notification.
Unless otherwise stated, all updates shall become effective on the date of posting.
Your continued access to or use of the Platform after such updates are published shall constitute your binding acceptance of the revised Terms.
Users waive any right to claim non-receipt of notice where an update has been posted on the Platform.
If you disagree with any amendment, your sole remedy is to discontinue use and close your Account prior to the Effective Date.
In the event of a change required to comply with Applicable Law, Payment Gateway Partner policy, or regulatory directive, Paymorz™ may implement such changes immediately and without prior notice.
This includes urgent updates related to payment handling, T+2 settlement cycles, KYC/AML norms, RBI circulars, DPDP compliance, or gateway operational changes.
Such changes shall be deemed binding once implemented, regardless of user acknowledgment.
It is your responsibility to review these Terms periodically. If you do not agree to any revised Terms, you must discontinue using the Platform and close your Account before the effective date of such changes.
Your failure to do so shall constitute deemed acceptance of the updated Terms and an irrevocable waiver of objections to such modifications.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a competent authority, such provision shall be enforced to the maximum extent permissible, or if necessary, deemed severed from these Terms. The remaining provisions shall continue in full force and effect.
Any invalidity shall not affect:
These Terms, together with the following documents, constitute the complete and exclusive understanding between you and Paymorz™ regarding your use of the Platform:
All of the above shall be read together and form a single, binding agreement.
This includes, without limitation:
No User shall rely on any prior agreement, understanding, negotiation, or communication not expressly included in these Terms.
In the event of any inconsistency between these Terms and any other policy:
In addition, where required by Applicable Law, RBI circulars, Payment Gateway Partner rules, and statutory mandates shall prevail over all Paymorz™ policies, including these Terms.
Any failure or delay by Paymorz™ in enforcing any right under these Terms shall not constitute a waiver of that right. No oral or written communication, statement, or representation not expressly included in these Terms shall modify or supplement them.
Only a written amendment published by Paymorz™ or authorised in accordance with Clause 13 shall have any legal effect.
In accordance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and the Digital Personal Data Protection Act, 2023, Paymorz™ has appointed the following Grievance Officer to address user complaints, data-related queries, and content takedown requests:
Grievance Officer: Kishore Kumar R
Email: grievance@paymorz.com
Contact Hours: Monday to Friday, 10:00 AM to 6:00 PM IST
Address:
QUANTUMCONA LLP
Survey No. 130P and 115/1P, We Work Rajapushpa, Nanakramguda Main Road,
Medchal–Malkajgiri, Telangana – 500032, India
The Grievance Officer handles complaints related only to statutory, regulatory, or rights-based issues and is not responsible for general customer support matters.
The Grievance Officer shall acknowledge receipt of any complaint within 24 hours of receipt.
All grievances shall be reviewed and resolved within 15 Business Days, or such extended period as may be reasonably required based on the complexity of the issue.
Resolution timelines may extend where third-party coordination is required, including with Payment Gateway Partners, law-enforcement agencies, KYC vendors, or data processors.
The Grievance Officer may be contacted for issues relating to:
The Grievance Officer does not adjudicate User-to-User disputes and cannot reverse payment decisions without supporting evidence and compliance verification.
For formal legal notices, summons, or service of process, correspondence must be addressed to:
Legal Department
QUANTUMCONA LLP (Owner of Paymorz™)
Email: legal@paymorz.com
Address: Same as above
Notices sent electronically shall be deemed received upon acknowledgment by Paymorz™ or within three (3) Business Days of transmission, whichever is earlier.
Physical notices must be sent only via a verifiable delivery method (e.g., registered post, courier with tracking).
If a User is not satisfied with the resolution provided by the Grievance Officer, they may escalate the matter to the Adjudicating Officer or the Data Protection Board of India as applicable under the DPDP Act, 2023.
Escalation to statutory authorities must comply with their prescribed procedure and does not override Paymorz™'s internal timelines.
For general support or operational queries (non-legal), Users may reach out to:
Email: hello@paymorz.com
General support queries include account help, Platform navigation, project issues, and operational questions. These shall not be treated as grievances under the IT Rules or DPDP Act.