Welcome to Zerion Apex, owned and operated by ZERION APEX INFORMATICS PRIVATE LIMITED. We appreciate the trust you place in our platform when accessing or using our Services.

Definitions and Meaning

For the purpose of these Terms:

• “We,” “our,” “us” mean Zerion Apex
  
• “You,” “your,” “user” mean any individual or business entity that accesses or uses the Services
  

Scope and Use of These Terms

These Terms outline the conditions, obligations, and rules governing the use of our payment Services:

• Accessing or using the platform confirms your agreement to comply with these Terms
  
• If you disagree with any provision, you must immediately discontinue use of the Services
  
• Continued use of the platform signifies acceptance of any future modifications or revisions
  

Agreement to the Terms

By using the Services, you confirm that you have read, understood, and accepted these Terms along with our Privacy Policy.

Users who do not agree with any provision must stop using the Services without delay.

User Eligibility and Account Responsibilities

To use the Services, users must:

• Be at least 18 years of age and legally competent to enter binding agreements
  
• Operate a lawful business or entity in compliance with applicable laws and regulations
  
• Successfully complete KYC verification using accurate personal and business documentation
  
• Protect account credentials, as all actions performed through the account are treated as authorized unless proven otherwise
  

Note: Account approval, suspension, or termination may be exercised at our discretion, with or without prior notice.

Services Provided

Zerion Apex offers digital payment solutions that support transactions through:

• Debit and credit cards
  
• UPI
  
• Net banking
  
• Digital wallets
  

Platform Features and Functionality

The platform enables:

• API and plugin integrations for websites, mobile applications, and POS systems
  
• Payment links, invoicing tools, QR-based payments, and recurring billing options
  
• Real-time transaction tracking with settlements to verified bank accounts
  

Note: Any service or feature may be altered, updated, paused, or discontinued without prior notice.

User Responsibilities

Users agree to:

• Submit accurate, complete, and up-to-date business, financial, and contact information
  
• Use the platform exclusively for lawful business purposes
  
• Secure account credentials and API keys
  
• Promptly report suspicious activity, unauthorized access, or security-related issues
  

Fees, Charges, and Settlements

• Applicable service fees are defined in the Merchant Agreement or displayed on the Dashboard
  
• Fees do not include taxes, which remain the responsibility of the user
  
• Merchants bear responsibility for chargebacks, with refunds processed according to internal policies
  
• Any fee revisions will be communicated through email or Dashboard notifications
  

Restricted and Prohibited Activities

Users must not:

• Engage in illegal, fraudulent, or unauthorized transactions
  
• Sell or promote prohibited goods or services, including narcotics, adult content, gambling, weapons, or counterfeit products
  
• Attempt to disrupt, manipulate, or compromise the platform’s security or systems
  

Actions for Policy Violations

Failure to comply with these Terms may result in:

• Temporary or permanent suspension of the account
  
• Withholding of funds during investigation periods
  
• Legal action initiated under applicable laws
  

Fraud Monitoring and Risk Controls

We implement advanced security measures, including:

• Continuous real-time transaction surveillance
  
• AI-based fraud detection, behavioral analysis, and risk assessment
  

If suspicious activity is identified:

• Transactions may be delayed, blocked, withheld, or reversed
  
• Account access may be restricted, suspended, or permanently terminated
  

Note: Users remain liable for any resulting losses, penalties, or chargebacks.

Data Handling and Security

Personal and financial data is processed in accordance with our Privacy Policy and applicable laws.

Security practices include:

• Encrypted data transmission and secure authentication mechanisms
  
• Role-based access limited to authorized personnel
  

Data is used for:

• Processing payments and settlements
  
• Fraud detection and regulatory compliance
  
• Monitoring system performance and platform stability
  

Intellectual Property Rights

• All software, trademarks, logos, and related materials are the property of ZERION APEX INFORMATICS PRIVATE LIMITED or its licensors
  
• Users are granted a limited, revocable, non-transferable license solely for lawful business use
  
• Reverse engineering, duplication, modification, sublicensing, or misuse is strictly prohibited
  
• Use of branding or trademarks requires prior written authorization
  

Third-Party Services

• The platform may integrate with banks, payment networks, analytics platforms, CRM tools, or logistics partners
  
• We do not control or assume responsibility for third-party services
  
• Any disputes involving third parties are governed by their respective terms and policies
  

Account Suspension and Termination

Accounts may be suspended or terminated due to:

• Breach of these Terms
  
• Fraudulent, unlawful, or unauthorized conduct
  
• Compliance with legal, regulatory, or judicial orders
  

Possible consequences include:

• Temporary or permanent account deactivation
  
• Retention of funds until matters are resolved
  
• Requirement to clear any outstanding balances
  

Dispute Handling

• Users should initially raise concerns through internal support channels
  
• Payment or chargeback disputes may involve banks or payment networks
  
• Unresolved matters will be governed by applicable laws and jurisdiction
  

Limitation of Liability

To the fullest extent allowed by law:

• We are not responsible for indirect, incidental, or consequential damages
  
• Claims related to lost revenue, profits, data, business opportunities, or service interruptions are excluded
  
• Liability for any single transaction is limited to the transaction fees paid
  

Indemnity

Users agree to indemnify and hold harmless ZERION APEX INFORMATICS PRIVATE LIMITED, its directors, employees, and affiliates from claims arising due to:

• Unauthorized or improper use of the Services
  
• Breach of these Terms
  
• Fraudulent, negligent, or unlawful actions
  

Governing Law and Legal Jurisdiction

• These Terms are governed by the laws of India
  
• All disputes are subject to the exclusive jurisdiction of Indian courts
  

Force Majeure

We are not liable for delays or service failures caused by events beyond reasonable control, including:

• Natural disasters or severe weather conditions
  
• Epidemics or pandemics
  
• War, terrorism, or cyber incidents
  
• Labor disputes, civil unrest, technical breakdowns, or government actions
  

Modifications to the Terms

• These Terms may be revised at any time
  
• Updates will reflect a revised “Last Updated” date
  
• Continued use of the Services confirms acceptance of revised Terms
  
• Users are encouraged to review the Terms periodically
  

Severability and Waiver

• If any provision is deemed invalid or unenforceable, the remaining provisions remain effective
  
• Failure to enforce any right does not constitute a waiver of future enforcement
  

Contact Information

For questions, concerns, or legal matters related to these Terms, please contact:
operations@zerionapex.com