Terms & Conditions

1. Acceptance of Terms

Welcome to Flowmin Technology. These Terms and Conditions ("Terms") govern your access to and use of the Flowmin Technology website located at FlowminTechnology.in ("Website"), including any content, functionality, and services offered on or through the Website.

By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use this Website.

These Terms apply to all visitors, users, and others who access or use the Website, whether you are browsing for information or submitting inquiries about our services.

2. Website Use

This Website is provided for informational and business inquiry purposes only. The content on this Website is intended to provide general information about Flowmin Technology's fintech infrastructure solutions, payment gateway services, AEPS capabilities, white-label platforms, and API integration offerings.

2.1 Permitted Use

You may use this Website for lawful purposes only, including:

• Accessing information about our products and services
• Submitting legitimate business inquiries through our contact forms
• Downloading publicly available resources and documentation
• Evaluating our solutions for potential business engagement

2.2 Prohibited Use

You agree not to use this Website for any unlawful purpose or in any way that could damage, disable, overburden, or impair the Website. Prohibited activities include but are not limited to:

• Submitting false, misleading, or inaccurate information through forms or communications
• Attempting to gain unauthorized access to any portion of the Website or related systems
• Using automated systems, scripts, or bots to access or scrape Website content
• Engaging in any activity that interferes with or disrupts the Website's functionality
• Uploading or transmitting viruses, malware, or other harmful code
• Violating any applicable local, national, or international laws or regulations

2.3 Accuracy of Information

When submitting inquiries or information through contact forms, demo requests, or other communication channels on this Website, you agree to provide accurate, current, and complete information. Providing false or misleading information may result in termination of access to the Website or refusal to provide services.

3. Services

Flowmin Technology provides fintech technology solutions, including but not limited to payment gateway infrastructure, white-label payment platforms, AEPS (Aadhaar Enabled Payment System) services, payout APIs, payment processing solutions, and related fintech software and integration services.

3.1 Informational Purpose

The information about services provided on this Website is for general informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any services. Service descriptions, features, pricing indications, and availability are subject to change without notice.

3.2 Separate Commercial Agreements

Any actual provision of services by Flowmin Technology to clients or partners is governed by separate written commercial agreements, service contracts, master service agreements, or terms of service that will be executed between the parties. Such agreements will contain specific terms regarding:

• Scope of services and deliverables
• Pricing, payment terms, and billing arrangements
• Service level agreements and performance commitments
• Data handling, security, and confidentiality obligations
• Intellectual property rights and licenses
• Liability limitations and indemnification provisions
• Term, termination, and renewal conditions
• Dispute resolution mechanisms

3.3 No Service Commitment Through Website

Use of this Website does not create any contractual relationship or service commitment between you and Flowmin Technology. No services will be provided until both parties have executed a formal written agreement.

4. No Financial, Legal, or Regulatory Advice

The content provided on this Website, including but not limited to information about payment solutions, fintech infrastructure, compliance considerations, and industry practices, is for general informational purposes only.

Specifically, you acknowledge and agree that:

• Not Financial Advice: Nothing on this Website should be interpreted as financial or investment advice. We do not provide recommendations regarding investments, financial planning, or monetary decisions.
• Not Legal Advice: Information about compliance, regulations, or legal requirements is provided for general awareness only and does not constitute legal advice. You should consult qualified legal counsel for advice on specific legal matters.
• Not Regulatory Guidance: While we may reference regulatory frameworks such as RBI guidelines, NPCI standards, or payment industry regulations, such references are informational only. You are responsible for ensuring your own compliance with all applicable laws and regulations.
• Not Tax Advice: We do not provide tax advice or recommendations. Consult a qualified tax professional for matters related to taxation.
• Professional Consultation Required: Before making any business, financial, legal, or regulatory decisions based on information found on this Website, you should seek professional advice from qualified advisors appropriate to your specific circumstances.

Reliance on any information provided on this Website is solely at your own risk. Flowmin Technology assumes no responsibility for decisions made based on Website content.

5. Intellectual Property Rights

All content, materials, and intellectual property on this Website, including but not limited to text, graphics, logos, images, designs, software code, documentation, trademarks, service marks, and trade names, are the property of Flowmin Technology or its licensors and are protected by copyright, trademark, and other intellectual property laws.

5.1 Ownership

The "Flowmin Technology" name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Flowmin Technology. You may not use such marks without our prior written permission.

5.2 Limited License

Subject to your compliance with these Terms, Flowmin Technology grants you a limited, non-exclusive, non-transferable, revocable license to access and use this Website solely for its intended informational and inquiry purposes. This license does not permit:

• Reproduction, duplication, copying, or redistribution of Website content for commercial purposes
• Modification, adaptation, or creation of derivative works based on Website content
• Reverse engineering, decompiling, or disassembling any software or technology used in the Website
• Removal or alteration of copyright notices, trademarks, or other proprietary markings
• Use of Website content in a manner that suggests endorsement or association with your products or services

5.3 Restrictions

You may not reproduce, distribute, display, sell, lease, transmit, create derivative works from, translate, modify, reverse engineer, disassemble, decompile, or otherwise exploit any portion of this Website without express written permission from Flowmin Technology.

5.4 Third-Party Content

Any third-party content, trademarks, or materials displayed on this Website remain the property of their respective owners. Such content is used with permission or under applicable fair use principles.

6. Third-Party Links and Resources

This Website may contain links to third-party websites, services, or resources that are not owned, controlled, or maintained by Flowmin Technology. These links are provided for convenience and informational purposes only.

6.1 No Endorsement

The inclusion of any link does not imply endorsement, approval, or recommendation by Flowmin Technology of the linked website, its operator, or its content. We have no control over and assume no responsibility for the content, privacy policies, terms of use, or practices of any third-party websites or services.

6.2 Use at Your Own Risk

You acknowledge and agree that Flowmin Technology shall not be responsible or liable, directly or indirectly, for any damage, loss, or liability caused or alleged to be caused by or in connection with:

• Your use of or reliance on any content, products, or services available on or through third-party websites
• Any transactions you conduct with third parties
• The accuracy, completeness, or reliability of information on external sites
• Privacy practices or data handling by external websites

6.3 Third-Party Terms

When you access third-party websites through links on our Website, you do so at your own risk and subject to the terms and conditions and privacy policies of those third-party websites. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites you visit.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Flowmin Technology, its directors, officers, employees, agents, affiliates, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Website.

7.1 Website Provided "As Is"

This Website is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy of information.

7.2 No Guarantee of Availability

Flowmin Technology does not warrant that:

• The Website will be uninterrupted, secure, or error-free
• The results obtained from use of the Website will be accurate or reliable
• Any errors or defects in the Website will be corrected
• The Website or servers are free of viruses or other harmful components

7.3 Limitation on Damages

In no event shall Flowmin Technology be liable for:

• Loss of profits, revenue, data, or business opportunities
• Business interruption or loss of business goodwill
• Indirect, incidental, special, exemplary, or consequential damages
• Damages resulting from unauthorized access to or alteration of your transmissions or data
• Damages arising from your reliance on information obtained through the Website

7.4 Maximum Liability

To the extent liability cannot be excluded by law, Flowmin Technology's total aggregate liability arising out of or relating to these Terms or your use of the Website shall not exceed the amount paid by you, if any, for accessing the Website, or one hundred Indian Rupees (INR 100), whichever is greater.

8. Indemnification

You agree to defend, indemnify, and hold harmless Flowmin Technology, its parent company, subsidiaries, affiliates, officers, directors, employees, agents, partners, licensors, and service providers from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to legal fees and costs) arising from:

• Your use of or access to the Website
• Your violation of these Terms and Conditions
• Your violation of any third-party rights, including intellectual property rights, privacy rights, or proprietary rights
• Your violation of any applicable laws, regulations, or rules
• Any content, information, or data you submit through the Website
• Any fraudulent, negligent, or wrongful conduct by you
• Any claim that your use of the Website caused damage to a third party

8.1 Cooperation in Defense

Flowmin Technology reserves the right to assume exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate fully with us in asserting any available defenses. You agree not to settle any matter subject to indemnification without our prior written consent.

8.2 Lawful Use Obligation

You agree to use this Website in a lawful manner and in compliance with all applicable laws and regulations. Any misuse of the Website that results in claims, losses, or damages to Flowmin Technology or third parties shall be your sole responsibility, and you shall indemnify Flowmin Technology for any resulting harm.

9. Changes to Terms

Flowmin Technology reserves the right to modify, amend, or update these Terms and Conditions at any time, at our sole discretion, without prior notice. Changes may be made to reflect changes in our services, legal requirements, industry standards, or for operational reasons.

9.1 Effective Date of Changes

When we make changes to these Terms, we will update the "Last Updated" date at the top of this page. The revised Terms will become effective immediately upon posting on this Website, unless otherwise specified.

9.2 Your Acceptance of Changes

Your continued use of the Website following the posting of revised Terms constitutes your acceptance of and agreement to the changes. If you do not agree to the modified Terms, you must discontinue use of the Website.

9.3 Review Obligation

It is your responsibility to review these Terms periodically for updates. We recommend checking this page regularly to stay informed of any changes. For significant changes that materially affect your rights or obligations, we may provide additional notice through prominent placement on the Website or other reasonable means.

9.4 Historical Versions

Previous versions of these Terms will not be maintained or accessible. The current version supersedes all prior versions.

10. Governing Law and Jurisdiction

These Terms and Conditions, and any disputes arising out of or related to these Terms or your use of the Website, shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

10.1 Jurisdiction and Venue

You agree that any legal action, suit, or proceeding arising out of or related to these Terms or the Website shall be instituted exclusively in the courts of India, and you irrevocably submit to the jurisdiction of such courts. You waive any objection to venue in such courts and any claim that such courts are an inconvenient forum.

10.2 Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the Website, the parties agree to first attempt to resolve the matter through good-faith negotiations. If the matter cannot be resolved through negotiation within thirty (30) days, either party may pursue legal remedies in accordance with this section.

10.3 Compliance with Local Laws

While this Website is governed by Indian law, if you access the Website from outside India, you are responsible for compliance with local laws in your jurisdiction, if and to the extent local laws are applicable. You represent that you have the authority to access the Website and accept these Terms in your jurisdiction.

11. General Provisions

11.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Flowmin Technology regarding use of the Website and supersede any prior agreements, understandings, or representations, whether oral or written.

11.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, such provision shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

11.3 Waiver

No waiver by Flowmin Technology of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition, and any failure to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

11.4 Assignment

You may not assign, transfer, or delegate these Terms or your rights and obligations hereunder without our prior written consent. Flowmin Technology may assign these Terms at any time without notice or consent. These Terms shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

11.5 No Third-Party Beneficiaries

These Terms are for the benefit of and enforceable by Flowmin Technology and you only. No third party shall have any right to enforce any provision of these Terms.

11.6 Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

11.7 Force Majeure

Flowmin Technology shall not be liable for any failure or delay in performance under these Terms due to causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

12. Contact Us

If you have any questions, concerns, or inquiries regarding these Terms and Conditions, or if you need clarification about any provision, please contact us: