Terms of Service

These Terms of Service ("Terms", "Agreement") govern your use of the website and services provided by ADVFIN TECHNOLOGY SERVICES PRIVATE LIMITED ("Company", "we", "our", or "us"). By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.

1. Acceptance of Terms

By accessing and using our website located at advfin.in and our services, you accept and agree to be bound by the terms and provisions of this Agreement. If you do not agree to these Terms, please do not use our services.

These Terms apply to all visitors, users, and others who access or use our services.

2. Company Information

ADVFIN TECHNOLOGY SERVICES PRIVATE LIMITED is a company incorporated under the Companies Act, 2013, with its registered office at:

3. Services Description

ADVFIN TECHNOLOGY SERVICES PRIVATE LIMITED provides financial technology solutions, software development, consulting services, and related technology services including but not limited to:

• Financial software development and fintech solutions
• Digital banking platforms and mobile banking applications
• Cybersecurity and compliance solutions
• Cloud infrastructure and migration services
• Data analytics and business intelligence solutions
• AI and process automation services
• Enterprise software development and consulting

The specific scope, deliverables, timelines, and pricing for services will be defined in individual service agreements, statements of work, or engagement letters.

4. Use of Services

You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use our services in any way that violates applicable Indian or international laws or regulations
• Attempt to gain unauthorized access to our systems, networks, or data
• Interfere with or disrupt the integrity or performance of our services or servers
• Transmit any viruses, malware, or other malicious code
• Infringe upon the intellectual property rights of the Company or any third party
• Use our services to harm, harass, or defame any person or entity
• Engage in any fraudulent, deceptive, or misleading activities
• Reverse engineer, decompile, or disassemble any software provided by us

5. Intellectual Property Rights

All content, features, and functionality of our website and services, including but not limited to:

• Software code, applications, and algorithms
• Text, graphics, logos, icons, and images
• Trademarks, service marks, and trade names
• Design, layout, and user interface
• Documentation, manuals, and guides

are owned by ADVFIN TECHNOLOGY SERVICES PRIVATE LIMITED or our licensors and are protected by Indian and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of our intellectual property without our prior written consent.

6. Client Obligations

When engaging our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Cooperate with our team in good faith and provide necessary resources
• Make timely payments as agreed in service contracts
• Comply with all applicable laws and regulations
• Respect confidentiality obligations regarding our proprietary information
• Use our services only for authorized purposes

7. Payment Terms

Payment terms for our services will be specified in individual service agreements or invoices. Unless otherwise stated:

• All fees are quoted in Indian Rupees (INR) unless specified otherwise
• Payment is due within 30 days from the invoice date
• Late payments may incur interest charges of 1.5% per month or the maximum rate permitted by law
• We reserve the right to suspend or terminate services for non-payment
• All payments are non-refundable unless specified in the service agreement
• Applicable taxes (GST, etc.) will be added to all invoices as per Indian tax laws

8. Confidentiality

Both parties agree to:

• Maintain strict confidentiality of all proprietary and confidential information
• Use confidential information only for purposes related to the services
• Not disclose confidential information to third parties without consent
• Protect confidential information using reasonable security measures
• Return or destroy confidential information upon termination of services

Confidential information does not include information that is publicly available, already known, independently developed, or legally obtained from third parties.

9. Limitation of Liability

To the maximum extent permitted by Indian law:

• ADVFIN TECHNOLOGY SERVICES PRIVATE LIMITED shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability for any claims arising from our services shall not exceed the amount paid by you for the specific service giving rise to the claim in the preceding 12 months
• We are not liable for damages caused by force majeure, third-party actions, or circumstances beyond our reasonable control
• We are not responsible for any loss of data, revenue, profits, or business opportunities

This limitation applies whether based on contract, tort, negligence, strict liability, or otherwise, and even if we have been advised of the possibility of such damages.

10. Warranties and Disclaimers

We provide our services using reasonable skill and care consistent with industry standards. However:

• Except as expressly stated in individual service agreements, our services are provided "as is" and "as available"
• We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement
• We do not warrant that services will be uninterrupted, error-free, or completely secure
• We do not guarantee specific results or outcomes from using our services

11. Indemnification

You agree to indemnify, defend, and hold harmless ADVFIN TECHNOLOGY SERVICES PRIVATE LIMITED, its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of our services
• Your violation of these Terms
• Your violation of any rights of third parties
• Your violation of applicable laws or regulations
• Your negligent or willful misconduct

12. Term and Termination

These Terms remain in effect while you use our services. We reserve the right to:

• Suspend or terminate your access to our services at any time for violation of these Terms
• Terminate services with or without cause upon written notice
• Modify or discontinue services at our discretion

Upon termination:

• Your right to use our services immediately ceases
• You must pay all outstanding fees and charges
• Provisions regarding confidentiality, intellectual property, and liability survive termination

13. Dispute Resolution

Any disputes, controversies, or claims arising from these Terms or our services shall be resolved as follows:

• Negotiation: Parties shall first attempt to resolve disputes through good faith negotiations
• Mediation: If negotiation fails, disputes may be referred to mediation in Bengaluru
• Arbitration: Unresolved disputes shall be settled through arbitration in Bengaluru, Karnataka, in accordance with the Arbitration and Conciliation Act, 1996
• Language: Arbitration proceedings shall be conducted in English
• Costs: Each party shall bear its own costs unless otherwise determined by the arbitrator

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

Subject to the arbitration clause above, the courts of Bengaluru, Karnataka shall have exclusive jurisdiction over any disputes arising from these Terms or our services.

15. Changes to Terms

We reserve the right to modify or update these Terms at any time. We will notify users of material changes by:

• Posting the updated Terms on our website
• Updating the "Last Updated" date
• Sending email notification for significant changes

Your continued use of our services after such modifications constitutes acceptance of the updated Terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, or if not possible, severed from these Terms. The remaining provisions shall continue in full force and effect.

17. Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

18. Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign these Terms or any rights hereunder without restriction.

19. Entire Agreement

These Terms, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and ADVFIN TECHNOLOGY SERVICES PRIVATE LIMITED regarding the use of our services, and supersede all prior agreements and understandings.

20. Contact Information

For questions, concerns, or notices regarding these Terms of Service, please contact us:

21. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our 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, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

22. Compliance with Laws

Both parties agree to comply with all applicable Indian laws and regulations, including but not limited to:

• Companies Act, 2013
• Information Technology Act, 2000
• Personal Data Protection laws
• Reserve Bank of India (RBI) regulations (where applicable)
• Goods and Services Tax (GST) laws
• Anti-corruption and anti-money laundering laws