ESAAS ("we," "us," or "our") owns Excro. These Terms and Conditions dictate the use of this website. We aspire to provide our users/customers (“you”, or “your”) with the most premium payment processing experience. We outline the rules and regulations for using our services in our terms and conditions. When you access or use our payment gateway, you agree to comply with these terms and conditions. Be sure to read them carefully to ensure a smooth and mutually beneficial payment process. Our goal is to provide our users with a seamless, secure payment experience.
User Agreement
Our payment gateway services are subject to the terms and conditions outlined in this User Agreement. You acknowledge that you have read and understood these terms before using our services. You are responsible for maintaining the confidentiality of your account credentials and ensuring that your account is used legally. It is your responsibility to ensure that your account is not accessed or misused by anyone without your permission.
Account Registration
You must first register with us and provide us with accurate and complete information about yourself before using our payment gateway services. You are responsible for protecting the security and confidentiality of your account credentials. By creating an account, you certify that you are of legal age and can enter into legally binding contracts in your country. We do not allow minors to use our services. The information you provide on the registration form must be accurate, current, and comprehensive. It is important to rectify any inconsistencies or out-of-date data as soon as possible to ensure that the information about your account is accurate. We need to know about any illegal use or access to your account as soon as possible. In the event your account is accessed or misused without your consent, we are not responsible for any losses or damages.
Authorized Users
Accounts or rights related to your account may not be lent, assigned, or shared with any other person or organization. It is only for your personal use that you have an account. Any activities made using your account, including those carried out by any authorized users you designate, are your responsibility. Ensure that all authorized users have read these terms and conditions and have agreed to abide by them. It is your sole responsibility to bear the consequences of any activities, transactions, or liabilities made by authorized users on your account.
Description of Services
With the help of our payment gateway, you can process online payments safely and easily. With this service, users can initiate, approve, and oversee electronic transactions, such as fund transfers and payments. Payment options include credit and debit cards, bank transfers, and electronic wallets, depending on what the merchant or service provider offers. Through the payment gateway, users can make donations, pay off merchant balances, and purchase goods and services.
Our payment gateway may occasionally experience technical difficulties or downtime even though we work hard to ensure it is always available. It is recommended that users report any errors or disturbances they encounter when using the service. Users must comply with all applicable laws, rules, and terms and conditions when using our payment gateway. If you engage in abuse, fraud, or infractions, your account may be suspended or you may face legal action.
Fees and Charges
We reserve the right to charge additional fees and levies if you use our payment gateway services. Any costs associated with these transactions will be disclosed to you in advance. The responsibility of reading and understanding these fees rests with you before moving forward. It is possible for transaction costs, if any, to change depending on the kind of transaction and payment method selected. This fee covers the costs associated with arranging and processing your payments securely. We reserve the right to alter or change our price schedule at any time; these adjustments will take effect immediately. To stay informed about any revisions to our terms and conditions, you must periodically review them.
Payments Processing
It is our goal to provide quick and safe electronic payment processing through our payment gateway. When you start a payment transaction using our platform, the following steps are taken. When you submit a payment request, the payment gateway will request authorization from your financial institution or payment provider. It is necessary to obtain this authorization in order to verify that the transaction will be funded or financed in full. A confirmation of the completed transaction-which may include a transaction ID, receipt, or notification-will be sent as soon as authorization is received. I attest to the fulfillment of your payment request. Through your account, you can access detailed records of all your payment transactions, including the date, amount, and recipient.
Data Security
We are committed to upholding the strictest security standards to safeguard your private data. Strong security measures are used by our payment gateway to protect your information during every transaction. Industry-standard encryption techniques are used to encrypt any data sent over our platform. By doing this, you can be sure that your payment details are kept private and unavailable to unauthorized individuals. To protect the security and privacy of your data, we comply with stringent industry standards and legal regulations. We will regularly audit and analyze compliance as part of our commitment to compliance. Even though we take all reasonable precautions to safeguard your information, you are still an essential part of keeping things secure. It is imperative that you update your passwords on a regular basis, keep your account details private, and report any unusual activity right once.
Users Responsibility
Updating and maintaining your account information, including contact details and payment options, is essential. It is important to share any updates or modifications as soon as possible. Passwords, account information, and any other forms of authentication you use to access our payment gateway should be kept secure. Using careless security measures or sharing this information could compromise the integrity of your account. We ask that you use our services only for legitimate purposes. Any illicit or fraudulent activity, such as unauthorized access or payment disputes, is totally prohibited.
Prohibited Activities
You cannot initiate or assist in any fraudulent transaction, including chargebacks or unauthorized payment disputes. It is forbidden to access another person's accounts, systems, or data without authorization. It is forbidden for users to circumvent security protocols or gain unauthorized access to any part of our platform. Using our services for illicit or illegal purposes, such as financing illicit activity, laundering money, or any other activity that violates national or international law, is not acceptable. Taking part in any harmful or destructive activity, including spamming, phishing, malware distribution, or any other actions that threaten our platform's security or integrity, is expressly prohibited.
Intellectual Property Rights
This website contains all intellectual property owned by ESAAS, including but not limited to text, graphics, logos, photos, and software, all of which is protected by relevant copyright and trademark laws. The content of this website is licensed to users for a limited, non-exclusive, and revocable period of time for the purpose of using the payment gateway's services. Without written permission from the website owner, you are strictly prohibited from reproducing, distributing, modifying, or using any part of this website. ESAAS reserves the right to file a lawsuit if its intellectual property rights are infringed, and to seek damages as well as an injunction.
Privacy
We are committed to protecting the confidentiality of your personal information. Additional details about how we handle your personal information can be found on our Privacy Policy page.
Account Termination
Our platform reserves the right, at our sole discretion, to cancel or suspend any user account, with or without notification, if we detect fraudulent conduct, a violation of our terms and conditions, or other activity that compromises its integrity or security.
Limitation of Liability
The use of our platform is at the user's own risk, despite our efforts to provide a reliable and safe payment gateway service. If you use our services or are unable to use them, we will not be liable for any direct, indirect, incidental, consequential, or punitive damages. We do not provide any guarantees or warranties regarding the precision, dependability, or accessibility of our payment gateway services. In utilizing our services, users understand that they are provided "as is" and "as available."
Users are aware that we might act as a middleman in transactions with outside service providers. We do not endorse the activities, materials, or services offered by these third parties, and any disagreements with them must be resolved directly. It is exclusively the responsibility of users to maintain the accuracy of all transactions made through our platform and to manage their financial information. We will not be liable for any monetary losses or harm resulting from erroneous or illegal transactions.
We are not liable for delays, disruptions, or malfunctions in our services that are caused by events beyond our reasonable control, such as natural catastrophes, war crimes, or technological malfunctions. Our goal is to restore service as soon as possible in these situations.
Indemnification
As a result of using our payment gateway services or violating any of our terms and conditions, users assume all liability and agree to hold us harmless against any claims, liabilities, losses, damages, costs, or expenditures, including legal fees. As a result of this indemnification, the user shall be protected against any third-party claims arising from the user's activities or transactions made possible by our platform, including, but not limited to, claims made by customers, vendors, or other users. All claims, or potential claims, that users believe could give rise to this indemnity duty must be reported to us immediately. In the event you don't, we might not be able to assist with the defense of such claims.
Law of Governance
To interpret and enforce these Terms and Conditions, Indian law shall apply, and any dispute arising from them shall be resolved by Indian courts.
Resolving Disputes
Disputes and claims arising from the use of our payment gateway services will be resolved through a fair and unbiased arbitration procedure. The only way to resolve such issues is through binding arbitration, according to both users and our organization. Throughout the arbitration, the parties have mutually agreed to adhere to the rules and procedures of a recognized arbitration institution. Arbitration will be conducted at a venue chosen by the arbitration organization. In accordance with current legislation, the arbitration clause will be enforced. In the event that any portion of this clause is found to be unenforceable, the arbitration clause as well as the Terms and Conditions will remain in full force and effect.
Terms and Conditions Changes
At our discretion, we may amend or revise these terms and conditions to reflect changes to our services, changes in the law, or for any other justifiable reason. In order to stay current on any changes, it is recommended that users periodically check the terms. If you continue to use our payment gateway services after amended terms are posted, we will assume you are in agreement with those changes. In the event that users disagree with the updated terms, they should cease using our services.
Contact Us
If you have any questions or concerns about our terms and conditions, please do not hesitate to contact us.