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 and Conditions ("Terms") constitute a legally binding agreement between you ("User", "you" or "your") and QUANTUMCONA LLP, a limited liability partnership incorporated under the laws of India, having its registered office at Survey No. 130P and 115/1P, We Work Rajapushpa, Nanakramguda Main Road, Medchal–Malkajgiri, Telangana – 500032, India, and operating the digital platform branded as Paymorz™ ("Company", "Paymorz", "we", "our", or "us").
Paymorz™ is a business-to-business (B2B) vendor management, invoicing, and payment facilitation platform designed to enable businesses to securely onboard, manage, and pay their selected Vendors or Service Providers for commercial engagements.
The Platform provides workflow tools for:
Paymorz™ does not operate as a bank, non-banking financial company (NBFC), financial institution, payment aggregator, trustee, or custodian of funds. All payments are processed exclusively by RBI-authorised Payment Processing Partners and remain outside the ownership, control, or possession of Paymorz™ at all times.
At no point does Paymorz™ hold, control, store, delay, condition, or manage user funds. Its role is strictly limited to enabling secure technology-based transmission of payment instructions between Users and the applicable Payment Processing Partner.
Clients and Vendors enter into commercial arrangements directly with each other. Paymorz™ is not a party to any service contract, employment relationship, consultancy agreement, or commercial engagement between Users.
Paymorz™ does not evaluate, guarantee, supervise, or monitor the performance, quality, scope, delivery timelines, or service standards of any Vendor. The Platform does not operate as a marketplace, broker, intermediary contractor, project allocator, or recruitment service.
By accessing, registering on, or using the Platform (including the Paymorz website or mobile application), you confirm that you have read, understood, and agreed to be bound by:
If you do not agree with these Terms or any related policy, you must immediately discontinue access to and use of the Platform.
Paymorz™ reserves the right to amend, modify, or update these Terms at any time based on regulatory changes, operational requirements, or business evolution. Updated Terms shall become effective upon publication on the Platform. Continued use constitutes acceptance of the revised Terms.
Unless the context otherwise requires, the following expressions shall have the meanings assigned to them below:
"Account" means the registered user profile created on the Platform upon successful completion and approval of KYC verification, enabling access to Paymorz™ services.
"Applicable Law" means all Indian laws, statutes, regulations, rules, notifications and guidelines, including but not limited to:
"Client" means any business entity, company, partnership, sole proprietor, or organisation that uses the Platform to onboard, manage, and process payments to Vendors.
"Vendor" means any individual, professional, freelancer, contractor, or entity engaged by a Client for provision of goods or services, who is registered on the Platform for invoicing and payment facilitation.
"Platform" means the Paymorz™ website and mobile application operated by QUANTUMCONA LLP, including all associated technology infrastructure, interfaces, APIs, and dashboards.
"Services" means the vendor management, invoicing, compliance verification, transaction initiation, reporting, and payment facilitation tools provided through the Platform, excluding fund custody or fiduciary services.
"Payment Processing Partner" means any RBI-authorised third-party financial institution or payment gateway integrated with the Platform for processing, settling, refunding, or reversing payments, including but not limited to Razorpay, operating under the Reserve Bank of India's Payment Aggregator Guidelines.
"KYC" means the identity verification process undertaken in accordance with applicable RBI KYC Directions, UIDAI norms, and applicable verification laws, including submission of PAN, Aadhaar, GST or business registration details as required.
"Personal Data" shall have the meaning assigned under the Digital Personal Data Protection Act, 2023, and includes any data that relates to an identifiable individual collected during registration, KYC, or Platform usage.
"User" means any Client or Vendor accessing or registering on the Platform and agreeing to these Terms.
"Transaction" means the act of payment initiation by a Client to a Vendor via the Platform and processed through a Payment Processing Partner.
The Platform is intended exclusively for business and commercial use. Only legally competent persons and entities capable of forming binding contracts under the Indian Contract Act, 1872 may register and use the Services.
By registering on the Platform, the User represents and warrants that:
The Platform is not intended for personal, consumer, or household transactions.
To access the Platform, a User must create an Account by providing accurate, complete, and verifiable information as requested, including but not limited to:
All information submitted during registration must be truthful, current, and capable of verification. Submission of false, misleading, or forged documentation shall constitute a material breach of these Terms and may result in permanent account suspension.
In compliance with the RBI Master Direction – Know Your Customer (KYC) Direction, 2016, and applicable verification laws, all Users must successfully complete KYC verification prior to being granted access to any features of the Platform.
Absolute Pre-Verification Access Prohibition
Access to the Platform is strictly conditional upon successful completion and approval of KYC verification. No User shall be permitted to access, view, use, or interact with any feature, dashboard, tool, transaction interface, or functionality of the Platform unless and until such verification is completed and approved.
This includes, without limitation:
Enforcement Rights
The Company reserves the right to:
until full KYC compliance is achieved.
Ongoing Verification & Updates
Users agree to update their KYC information whenever required due to:
The Company may re-initiate KYC or enhanced due diligence at any time in accordance with the RBI's Anti-Money Laundering (AML) norms and risk-based compliance requirements.
Data Handling During Registration
All personal data collected during registration and KYC shall be processed in accordance with the Digital Personal Data Protection Act, 2023, strictly for the purpose of identity verification, regulatory compliance, and transactional integrity.
The Company shall implement reasonable security safeguards as mandated under Section 43A of the Information Technology Act, 2000 and applicable DPDP Rules and Standards.
Paymorz™ operates as a business enablement and vendor management platform that provides Clients with digital tools to manage Vendors, generate invoices, track payments, and initiate transactions through integrated Payment Processing Partners.
The Platform provides automated workflows for:
Paymorz™ does not provide any financing, lending, payment holding, credit underwriting, project allocation, service matchmaking, conditional release, fiduciary financial services, or fund custody mechanisms.
The Company acts solely as a technological intermediary providing software infrastructure and does not:
All commercial obligations, deliverables, timelines, quality standards, and service responsibilities are exclusively determined between the Client and the Vendor and governed by their independent contractual arrangements.
Nothing within the Platform or these Terms shall be construed as creating a partnership, joint venture, agency relationship, employment relationship, or fiduciary duty between the Company and any User or between Users themselves.
The Platform enables Clients to initiate payment instructions to Vendors via RBI-authorised Payment Processing Partners.
All payment transactions are processed directly by such Payment Processing Partners and governed by their respective terms, dispute handling processes, settlement timelines, and regulatory obligations.
Paymorz™ does not control, store, delay, authorise, block, reverse, or manage the movement of funds and shall not be responsible for any transaction failure, banking delay, chargeback, or technical disruption attributable to the Payment Processing Partner.
Invoices generated through the Platform are based on data by Vendors and approved by Clients. Paymorz™ does not verify the commercial accuracy, legality, tax classification, pricing, or underlying contractual basis of such invoices.
The Client remains solely responsible for:
The Company does not guarantee transaction success, vendor performance, invoice recoverability, business profitability, regulatory approvals or outcomes.
Use of the Platform does not guarantee uninterrupted access, error-free operation, or continuous availability, and is provided on a technology-service basis.
The Company may temporarily suspend access to the Platform or any feature for system maintenance, security upgrades, regulatory compliance, force majeure events, without prior notice where required for system integrity.
Such suspension shall not give rise to any claim for damages or service level guarantees unless separately agreed in writing.
Users shall use the Platform strictly for lawful business purposes relating to vendor management, invoicing, and payment facilitation. Each User expressly agrees to:
Users shall not misrepresent their identity, business credentials, tax status, or authority to act on behalf of any entity.
Users acknowledge that all payment processing is governed by RBI-authorised Payment Processing Partners and applicable banking laws. Users shall not attempt to bypass the integrated Payment Processing Partner, induce Vendors or Clients to move transactions off-platform to avoid fees, or manipulate transaction flows or settlement instructions.
Such conduct may be treated as a violation under Section 43 of the Information Technology Act, 2000 and may result in account termination and legal action.
Users shall not upload, share, or process Personal Data of third parties unless authorised and in compliance with the Digital Personal Data Protection Act, 2023. Users must ensure that any data uploaded to the Platform is collected with lawful consent and used strictly for its stated business purpose.
Users are strictly prohibited from using the Platform for:
Users shall not interfere with the security of the Platform, its operational integrity, or authorised access by other Users. Prohibited technical actions include attempting to gain unauthorised system access, introducing malware, ransomware, or harmful code, or reverse engineering or scraping data without permission.
Paymorz™ reserves the right to monitor Platform activity for compliance purposes, conduct automated or manual audits of suspicious transactions, and report suspected unlawful activities to competent authorities.
Violation of this Section may result in immediate suspension or termination of Account, cancellation of ongoing transactions, reporting to regulatory or law enforcement authorities, and recovery of damages or losses incurred by Paymorz™.
Paymorz™ reserves the absolute right to restrict, suspend, limit, or disable a User's access to the Platform (in whole or in part) where:
This enforcement power is exercised as part of Paymorz's due diligence obligations under Section 79 of the Information Technology Act, 2000.
Paymorz™ may implement the following controls at its discretion:
Such controls may be applied temporarily or permanently based on the severity of the breach.
Where necessary to prevent financial harm, regulatory violations, data compromise, or cyber security threats, Paymorz™ may suspend access without prior notice.
This aligns with emergency security obligations under the Information Technology (Reasonable Security Practices) Rules, 2011.
Paymorz™ may permanently terminate an Account where:
Termination does not absolve the User of obligations incurred prior to termination.
Upon termination:
Data retention is governed by DPDP Act, 2023, RBI Record Retention Guidelines and Income Tax Act, 1961.
You may request Account closure at any time by contacting support@paymorz.com.
Closure is subject to:
Reinstatement of a suspended or terminated Account is at the sole discretion of Paymorz™.
Paymorz™ may impose enhanced KYC, additional documentation, limited feature access or risk assessment clearance as conditions for reinstatement.
Paymorz™ facilitates payment initiation between Clients and Vendors through integrated, RBI-authorised Payment Processing Partners (including Razorpay).
All payment processing, settlement, refunds, and chargebacks are executed directly by the Payment Processing Partner in accordance with their terms and regulatory obligations.
Paymorz™ does not act as a payment aggregator, controlled fund agent, nodal account holder, trustee, custodian, or financial intermediary and does not hold, store, manage, or control user funds at any stage.
When a Client initiates payment for an invoice generated on the Platform, the payment is routed to the Payment Processing Partner for execution.
Paymorz™'s role is strictly limited to transmitting authorised payment instructions and displaying transaction status or history for record-keeping purposes.
Settlement timelines, success or failure of transactions, and processing delays are governed solely by:
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.
Paymorz™ will charge:
All applicable fees shall be transparently disclosed prior to transaction confirmation.
Once a transaction is successfully processed, platform service fees are non-refundable unless mandated by Applicable Law.
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™ may deduct or collect statutory taxes where legally required, in accordance with:
Refund requests are governed by the Paymorz™ Cancellation & Refund Policy read alongside the Payment Processing Partner's rules.
Chargebacks are determined by issuing banks and card network rules. Paymorz™ has no authority to overrule such decisions.
Paymorz™ may forward refund requests and assist in communication but does not determine entitlement or exercise fund control.
Users shall not bypass or attempt to bypass the authorised Payment Processing Partner infrastructure for transactions originating on the Platform.
Any attempt to move transactions off-platform to avoid platform charges is strictly prohibited and may result in termination.
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 in accordance with:
Records may be retained 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.
Paymorz™ is not a judicial authority, arbitrator, mediator, or decision-maker in commercial disputes between Clients and Vendors.
The Company's role is strictly limited to facilitating communication and forwarding transaction-related queries or refund requests to the Payment Processing Partner where such disputes relate to payment execution or processing.
Paymorz™ does not adjudicate:
Such matters must be resolved directly between the Client and the Vendor under their independent contractual arrangements.
Paymorz™ may assist only in disputes relating to:
Disputes outside this scope fall beyond the Platform's jurisdiction.
A User may raise a transaction-related dispute through the Platform's official support module or by email to support@paymorz.com within seven (7) calendar days from the date of invoice payment confirmation or transaction failure notification, whichever occurs earlier.
Each dispute request must clearly specify the transaction reference number, invoice ID, nature of the issue, and any relevant supporting documentation to enable timely review.
Disputes raised after the prescribed timeline may not be eligible for Platform facilitation and may be redirected to the Payment Processing Partner or resolved directly between the Users.
Paymorz™ shall acknowledge receipt of a valid dispute request within two (2) business days of submission.
Where the issue relates to payment execution or processing, Paymorz™ may forward the matter to the Payment Processing Partner and keep the User informed of the status in accordance with the Partner's resolution timelines.
Final determination of transaction reversals, chargebacks, or refunds shall be governed by the policies of the Payment Processing Partner and the applicable banking network regulations.
Paymorz™ shall not adjudicate disputes relating to service performance, deliverables, commercial dissatisfaction, or scope disagreements between Clients and Vendors.
In accordance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, Users may escalate unresolved issues to the designated Grievance Officer:
Paymorz™ shall not be liable for any losses, damages, or claims arising from:
All rights, title, and interest in and to the Paymorz™ Platform, including without limitation its software (in source and object code form), system architecture, algorithms, design frameworks, user interfaces, visual elements, workflow logic, databases, documentation, trademarks, service marks, trade names, domain names, branding assets, proprietary processes, and all associated intellectual property ("Platform IP"), are and shall remain the exclusive and absolute property of QUANTUMCONA LLP and/or its authorised licensors.
Nothing contained in these Terms shall be deemed to grant, whether expressly, impliedly, or by estoppel, any right, licence, or interest in the Platform IP to any User except for the limited right to access the Platform strictly in accordance with these Terms.
Any reproduction, modification, commercial exploitation, redistribution, sublicensing, or unauthorised use of the Platform or any part thereof without prior written consent of QUANTUMCONA LLP is strictly prohibited and shall constitute intellectual property infringement actionable under the Copyright Act, 1957, Trade Marks Act, 1999, and other applicable laws.
Subject to continuous compliance with these Terms, Paymorz™ grants the User a limited, revocable, non-exclusive, non-transferable, and non-sublicensable licence to access and use the Platform solely for legitimate business purposes relating to vendor management, invoicing, compliance monitoring, and payment facilitation.
This licence expressly does NOT permit the User to:
Any unauthorised use shall result in immediate termination of this licence, suspension of access, and potential civil and criminal legal action.
Users retain ownership of content uploaded to the Platform, including but not limited to business data, compliance records, invoices, vendor details, profile information, or documentation ("User-Generated Content").
By submitting UGC, the User grants Paymorz™ a worldwide, royalty-free, non-exclusive, transferable, and sublicensable licence to host, process, display, reproduce, transmit, archive, and store such content strictly for:
The User represents and warrants that it owns or lawfully controls all rights in the UGC, the UGC does not infringe third-party intellectual property or legal rights, and all necessary permissions and consents have been obtained.
Paymorz™ shall not be responsible for verifying ownership or legality of UGC.
Paymorz™ collects, processes, stores, and uses Personal Data strictly in accordance with the Digital Personal Data Protection Act, 2023 and only for legitimate, specific, and lawful purposes directly connected with the operation of the Platform, including but not limited to:
Personal Data shall not be processed for purposes unrelated to the delivery of Services without explicit consent, unless required by Applicable Law.
By registering on the Platform, the User (acting as a "Data Principal") expressly consents to the collection and processing of their Personal Data in accordance with these Terms and the Paymorz™ Privacy Policy.
Users retain the rights recognised under the DPDP Act, including the right to:
Such requests may be submitted through the Platform or by emailing privacy@paymorz.com and shall be addressed within reasonable timelines as prescribed by law.
Paymorz™ implements reasonable technical and organisational security measures to protect Personal Data, including but not limited to:
These measures are aligned with Section 43A of the Information Technology Act, 2000 and the Reasonable Security Practices Rules, 2011.
Paymorz™ may share Personal Data only with:
Such disclosures shall be limited to what is necessary and shall be governed by contractual data protection obligations.
Where Aadhaar details are collected by Paymorz™, such collection shall be strictly limited to the purpose of identity verification in compliance with the Aadhaar Act, 2016 and UIDAI regulations and shall not be used for any other purpose whatsoever.
Aadhaar information shall be processed solely through authorised KYC verification service providers and shall not be used for authentication, profiling, marketing, analytics, or any secondary purpose.
Paymorz™ does not store Aadhaar numbers in its core databases beyond what is strictly necessary for lawful verification and audit purposes, and applies masking and encryption safeguards where required.
All user data is stored within data centers located in India, consistent with applicable regulatory and contractual requirements.
We use authorised 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.
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.
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 Platform and all Services are provided strictly on an "as-is" and "as-available" basis. To the maximum extent permitted by Applicable Law, Paymorz™ expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including but not limited to:
Paymorz™ does not warrant that the Platform will be uninterrupted, error-free, secure at all times, or free from system failures or technical anomalies.
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, unauthorised off-platform agreements, or misrepresentation by Users.
Paymorz™ expressly disclaims all responsibility for any commercial outcome, financial loss, reputational harm, regulatory exposure, or contractual consequence arising from interactions 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 any transaction amounts processed through Payment Processing Partners, as such funds are not owned, controlled, or possessed by Paymorz™ at any stage.
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, restricted access, or delayed processing of transactions in accordance with Payment Processing Partner policies.
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 facilitation 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 payment processing, settlement frameworks, data security, and regulatory oversight.
All user-to-user conflicts shall first be addressed through the internal Dispute Resolution Process outlined in Clause 11 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.
This exhaustion requirement shall not apply where urgent injunctive or interim relief is sought to prevent irreparable harm or where statutory remedies mandate immediate court intervention.
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 11 and are not arbitrable against Paymorz™.
Subject to Clause 15.3, 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.
This waiver shall apply to the fullest extent permitted under Applicable Law.
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.
Notices shall be deemed validly served if sent to the registered email address provided by the User at the time of account creation, unless updated in writing.
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 processing frameworks, Payment Processing Partner integrations, KYC requirements, dispute procedures, compliance mandates, data protection obligations, security enhancements, or other Platform features.
Users expressly acknowledge and agree that Paymorz™ may revise policies without prior individual notice except as required by law.
Nothing herein shall limit Paymorz™'s right to implement immediate changes where such modification is necessary to maintain regulatory compliance, system integrity, or operational security.
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.
All updates, whether material or non-material, shall be deemed validly notified once posted on the Platform.
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. Such waiver shall apply to the fullest extent permitted under Applicable Law.
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 processing mechanisms, settlement timelines, KYC/AML norms, RBI circulars, DPDP compliance, cybersecurity controls, or gateway operational changes.
Such changes shall be deemed binding once implemented, regardless of user acknowledgment. User consent shall be conclusively presumed upon continued access to the Platform following implementation.
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. This shall include a waiver of any claim of lack of notice, procedural unfairness, or unilateral modification.
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. All prior or contemporaneous representations, whether oral or written, stand superseded by this Agreement.
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. Such precedence shall apply strictly to the extent necessary to achieve regulatory compliance.
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 formally published by Paymorz™ in accordance with the "Amendments to Terms" section 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:
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 not function as a commercial mediator, arbitrator, or dispute adjudicator between Users.
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.
Users acknowledge that such extensions shall not constitute a deficiency of service under the Consumer Protection Act, 2019, where such delay is attributable to regulatory or third-party dependencies.
The Grievance Officer may be contacted for issues relating to:
The Grievance Officer does not adjudicate User-to-User disputes and cannot reverse transaction outcomes determined by Payment Processing Partners without supporting evidence and regulatory 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. Electronic notices sent to official Paymorz™ email domains shall be deemed legally valid service.
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. Such escalation shall not suspend or invalidate any enforcement action taken by Paymorz™ under these Terms.
For general support or operational queries (non-legal), Users may reach out to:
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.