Terms of Use

YOUR ACCEPTANCE OF THIS AGREEMENT: This is an agreement between you (“you” or “your”) and Find All in One Limited, a company incorporated under the Companies Act 1956 with its registered office at (“Find All in One” “we,” or “our”) that governs your use of the search services offered by Find All in One through its website findallinone.com (“Website”), telephone search, SMS, WAP or any other medium using which Find All in One may provide the search services (collectively “Platforms” ). When you access or use any of the Platforms you agree to be bound by these Terms and Conditions (“Terms”).

CHANGES: We may periodically change the Terms and the Site without notice, and you are responsible for checking these Terms periodically for revisions. All amended Terms become effective upon our posting to the Site, and any use of the site after such revisions have been posted signifies your consent to the changes.

HOW YOU MAY USE OUR MATERIALS: We use a diverse range of information, text, photographs, designs, graphics, images, sound and video recordings, animation, content, advertisement and other materials and effects (collectively “Materials”) for the search services on the Platforms. We provide the Material through the Platforms FOR YOUR PERSONAL AND NON-COMMERCIAL USE ONLY.

While every attempt has been made to ascertain the authenticity of the Platforms content, Find All in One is not liable for any kind of damages, losses or action arising directly or indirectly, due to access and/or use of the content in the Platforms including but not limited to decisions based on the content in the Platforms which results in any loss of data, revenue, profits, property, infection by viruses etc.

Accordingly, you may view, use, copy, and distribute the Materials found on the Platforms for internal, non-commercial, informational purposes only. You are prohibited from data mining, scraping, crawling, or using any process or processes that send automated queries to Find All in One.. You may not use the Platforms or any of them to compile a collection of listings, including a competing listing product or service. You may not use the Platforms or any Materials for any unsolicited commercial e-mail. Except as authorized in this paragraph, you are not being granted a license under any copyright, trademark, patent or other intellectual property right in the Materials or the products, services, processes or technology described therein. All such rights are retained by Find All in One, its subsidiaries, parent companies, and/or any third party owner of such rights.

HOW YOU MAY USE OUR MARKS: The Find All in One company names and logos and all related products and service names, design marks and slogans are trademarks and service marks owned by and used under license from Find All in One or it’s wholly owned subsidiaries. All other trademarks and service marks herein are the property of their respective owners. All copies that you make of the Materials on any of the Platforms must bear any copyright, trademark or other proprietary notice located on the respective Platforms that pertains to the material being copied. You are not authorized to use any Find All in One name or mark in any advertising, publicity or in any other commercial manner without the prior written consent of Find All in One. Requests for authorization should be made to findallinone1@gmail.com

HOW WE MAY USE INFORMATION YOU PROVIDE TO US: Do not send us any confidential or proprietary information. Except for any personally identifiable information that we agree to keep confidential as provided in our Privacy Policy, any material, including, but not limited to any feedback, data, answers, questions, comments, suggestions, ideas or the like, which you send to us will be treated as being non-confidential and nonproprietary. We assume no obligation to protect confidential or proprietary information (other than personally identifiable information) from disclosure and will be free to reproduce, use, and distribute the information to others without restriction. We will also be free to use any ideas, concepts, know-how or techniques contained in information that you send us for any purpose whatsoever including but not limited to developing, manufacturing and marketing products and services incorporating such information.

REVIEWS, RATINGS & COMMENTS BY USERS:

Since, Find All in One provides information directory services through various mediums (SMS, WAP, E-Mail, Website, APP and voice or phone), your (“Users”) use any of the aforementioned medium to post Reviews, Ratings and Comments about the Find All in One services and also about the Advertiser’s listed at Find All in One is subject to additional terms and conditions as mentioned herein.

You are solely responsible for the content of any transmissions you make to the Site or any transmissions you make to any mediums offered by Find All in One and any materials you add to the Site or add to any mediums offered by Find All in One, including but not limited to transmissions like your Reviews, Ratings & Comments posted by you(the “Communications”). Find All in One does not endorse or accept any of your Communication as representative of their (Find All in One) views. By transmitting any public Communication to the Site, you grant Find All in One an irrevocable, non-exclusive, worldwide, perpetual, unrestricted, royalty-free license (with the right to sublicense) to use, reproduce, distribute, publicly display, publicly perform, adapt, modify, edit, create derivative works from, incorporate into one or more compilations and reproduce and distribute such compilations, and otherwise exploit such Communications, in all Platforms now known or later developed.

You confirm and warrant that you have the right to grant these rights to Find All in One. You hereby waive and grant to Find All in One all rights including intellectual property rights and also “moral rights” in your Communications, posted at Find All in One through any of mediums of Find All in One. Find All in One is free to use all your Communications as per its requirements from time to time. You represent and warrant that you own or otherwise control all of the rights to the content that you post as Review, Rating or Comments; that the content is accurate; that use of the content you supply does not violate these Terms and will not cause injury to any person or entity. For removal of doubts it is clarified that, the reference to Communications would also mean to include the reviews, ratings and comments posted by your Friend’s tagged by you. Also Find All in One reserves the right to mask or unmask your identity in respect of your Reviews, Ratings & Comments posted by you.

Find All in One has the right, but not the obligation to monitor and edit or remove any content posted by you as Review, Rating or Comments. Find All in One cannot review all Communications made on and through any of the mediums of Find All in One. However, Find All in One reserves the right, but has no obligation, to monitor and edit, modify or delete any Communications (or portions thereof) which Find All in One in its sole discretion deems inappropriate, offensive or contrary to any Find All in One policy, or that violate this terms:

Find All in One reserves the right not to upload or distribute to, or otherwise publish through the Site or Forums any Communication which

  • is obscene, indecent, pornographic, profane, sexually explicit, threatening, or abusive;
  • constitutes or contains false or misleading indications of origin or statements of fact;
  • slanders, libels, defames, disparages, or otherwise violates the legal rights of any third party;
  • causes injury of any kind to any person or entity;
  • infringes or violates the intellectual property rights (including copyright, patent and trademark rights), contract rights, trade secrets, privacy or publicity rights or any other rights of any third party;
  • violates any applicable laws, rules, or regulations;
  • contains software viruses or any other malicious code designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
  • impersonates another person or entity, or that collects or uses any information about Site visitors.

It is also clarified that, if there are any issues or claims due to your posts by way of Reviews, Ratings and Comments, then Find All in One reserves right to take appropriate legal action against you. Further, you shall indemnify and protect Find All in One against such claims or damages or any issues, due to your posting of such Reviews, Ratings and Comments Find All in One takes no responsibility and assumes no liability for any content posted by you or any third party on Find All in One site or on any mediums of Find All in One.

You further acknowledge that conduct prohibited in connection with your use of the Forums includes, but is not limited to, breaching or attempting to breach the security of the Site or any of the mediums of Find All in One.

PRIVACY POLICY:

Find All in One is committed to protecting the privacy and confidentiality of any personal information that it may request and receive from its clients, business partners and other users of the Website. To read our privacy policy statement regarding such personal information please refer PRIVACY POLICY

CONTENT DISCLAIMER:

Find All in One communicates information provided and created by advertisers, content partners, software developers, publishers, marketing agents, employees, users, resellers and other third parties. While every attempt has been made to ascertain the authenticity of the content on the Platforms Find All in One has no control over content, the accuracy of such content, integrity or quality of such content and the information on our pages, and material on the Platforms may include technical inaccuracies or typographical errors, and we make no guarantees, nor can we be responsible for any such information, including its authenticity, currency, content, quality, copyright compliance or legality, or any other intellectual property rights compliance, or any resulting loss or damage. Further, we are not liable for any kind of damages, losses or action arising directly or indirectly due to any content, including any errors or omissions in any content, access and/or use of the content on the Platforms or any of them including but not limited to content based decisions resulting in loss of data, revenue, profits, property, infection by viruses etc.

All of the data on products and promotions including but not limited to, the prices and the availability of any product or service or any feature thereof, is subject to change without notice by the party providing the product or promotion. You should use discretion while using the Platforms.

Find All in One reserves the right, in its sole discretion and without any obligation, to make improvements to, or correct any error or omissions in, any portion of the Platforms. Where appropriate, we will endeavor to update information listed on the Website on a timely basis, but shall not be liable for any inaccuracies.

All rights, title and interest including trademarks and copyrights in respect of the domain name and Platforms content hosted on the Platforms are reserved with Find All in One. Users are permitted to read, print or download text, data and/or graphics from the Website or any other Platforms for their personal use only. Unauthorized access, reproduction, redistribution, transmission and/or dealing with any information contained in the Platforms in any other manner, either in whole or in part, are strictly prohibited, failing which strict legal action will be initiated against such users.

Links to external Internet sites may be provided within the content on Website or other Platforms as a convenience to users. The listing of an external site does not imply endorsement of the site by Find All in One or its affiliates. Find All in One does not make any representations regarding the availability and performance of its Platforms or any of the external websites to which we provide links. When you click on advertiser banners, sponsor links, or other external links from the Website or other Platforms, your browser automatically may direct you to a new browser window that is not hosted or controlled by Find All in One.

Find All in One and its affiliates are not responsible for the content, functionality, authenticity or technological safety of these external sites. We reserve the right to disable links to or from third-party sites to any of our Platforms, although we are under no obligation to do so. This right to disable links includes links to or from advertisers, sponsors, and content partners that may use our Marks as part of a co-branding relationship.

Some external links may produce information that some people find objectionable, inappropriate, or offensive. We are not responsible for the accuracy, relevancy, copyright compliance, legality, or decency of material contained in any externally linked websites. We do not fully screen or investigate business listing websites before or after including them in directory listings that become part of the Materials on our Platforms, and we make no representation and assume no responsibility concerning the content that third parties submit to become listed in any of these directories.

All those sections in the Platforms that invite reader participation will contain views, opinion, suggestion, comments and other information provided by the general public, and Find All in One will at no point of time be responsible for the accuracy or correctness of such information. Find All in One reserves the absolute right to accept/reject information from readers and/or advertisements from advertisers and impose/relax Platforms access rules and regulations for any user(s).

Find All in One also reserves the right to impose/change the access regulations of the Platforms , whether in terms of access fee, timings, equipment, access restrictions or otherwise, which shall be posted from time to time under these terms and conditions. It is the responsibility of users to refer to these terms and conditions each time they use the Platforms.

While every attempt has been made to ascertain the authenticity of the content in the Platforms, Find All in One is not liable for any kind of damages, losses or action arising directly or indirectly, due to access and/or use of the content in the Platforms including but not limited to any decisions based on content in the Platforms resulting in loss of data, revenue, profits, property, infection by viruses etc.

WARRANTY DISCLAIMER:

Please remember that any provider of goods or services is entitled to register with Find All in One. Find All in One does not examine whether the advertisers are good, reputable or quality sellers of goods / service providers. You must satisfy yourself about all relevant aspects prior to availing of the terms of service. Find All in One has also not negotiated or discussed any terms of engagement with any of the advertisers. The same should be done by you. Purchasing of goods or availing of services from advertisers shall be at your own risk.

We do not investigate, represent or endorse the accuracy, legality, legitimacy, validity or reliability of any products, services, deals, coupons or other promotions or materials, including advice, ratings, and recommendations contained on, distributed through, or linked, downloaded or accessed from the Platforms.

References that we make to any names, marks, products or services of third parties or hypertext links to third party sites or information do not constitute or imply our endorsement, sponsorship or recommendation of the third party, of the quality of any product or service, advice, information or other materials displayed, purchased, or obtained by you as a result of an advertisement or any other information or offer in or in connection with the Platforms.

Any use of the Platforms, reliance upon any Materials, and any use of the Internet generally shall be at your sole risk. Find All in One disclaims any and all responsibility or liability for the accuracy, content, completeness, legality, reliability, or operability or availability of information or material displayed in the search results in the Platforms.

THE MATERIAL AND THE PLATFORMS USED TO PROVIDE THE MATERIAL (INCLUDING THE WEBSITE ) ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. FIND ALL IN ONE DISCLAIMS, TO THE FULLEST EXTENT PERMITTED UNDER LAW, ANY WARRANTIES REGARDING THE SECURITY, RELIABILITY, TIMELINESS, ACCURACY AND PERFORMANCE OF THE PLATFORMS AND MATERIALS. FIND ALL IN ONE DOES NOT WARRANT THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

FIND ALL IN ONE DISCLAIMS ANY AND ALL WARRANTIES TO THE FULLEST EXTENT OF THE LAW, INCLUDING ANY WARRANTIES FOR ANY INFORMATION, GOODS, OR SERVICES, OBTAINED THROUGH, ADVERTISED OR RECEIVED THROUGH ANY LINKS PROVIDED BY OR THROUGH THE PLATFORMS SOME COUNTRIES OR OTHER JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER RIGHTS THAT VARY FROM COUNTRY TO COUNTRY AND JURISDICTION TO JURISDICTION.

DISCLAIMER for “Find All in One GUARANTEE” and “Find All in One’s Right”

The “Find All in One Guarantee” and “Find All in One’s Right” is a limited assurance offered by Find All in One that the name and contact information of the advertiser and the category in which the advertiser is listed by Find All in One, have been verified as existing and correct at the time of the advertiser’s application to register with Find All in One. Find All in One makes no representations or warranties, whether express or implied, including but not limited to warranties of the continued existence and/or operations of the advertiser, or the quality, quantity, merchantability or fitness for use of the goods or services offered by the advertiser.

ADDITIONAL DISCLAIMER:

Users using any of Find All in One service across the following mediums ie. through internet ie www.justdial.com Website, Wapsite, SMS, phone or any other medium are bound by this additional disclaimer wherein they are cautioned to make proper enquiry before they (Users) rely, act upon or enter into any transaction (any kind or any sort of transaction including but not limited to monetary transaction ) with the Advertiser listed with Find All in One.

All the Users are cautioned that all and any information of whatsoever nature provided or received from the Advertiser/s is taken in good faith, without least suspecting the bonafides of the Advertiser/s and Find All in One does not confirm, does not acknowledge, or subscribe to the claims and representation made by the Advertiser/s listed with Find All in One .Further, Find All in One is not at all responsible for any act of Advertiser/s listed at Find All in One.

LIMITATION OF LIABILITY:

IN NO EVENT SHALL FIND ALL IN ONE BE LIABLE TO ANY USER ON ACCOUNT OF SUCH USER’S USE, MISUSE OR RELIANCE ON THE PLATFORMS FOR ANY DAMAGES WHATSOEVER, INCLUDING DIRECT, SPECIAL, PUNITIVE, INDIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, REVENUE, USE, OR DATA WHETHER BROUGHT IN WARRANTY, CONTRACT, INTELLECTUAL PROPERTY INFRINGEMENT, TORT (INCLUDING NEGLIGENCE) OR OTHER THEORY, EVEN IF FIND ALL IN ONE ARE AWARE OF OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE, ARISING OUT OF OR CONNECTED WITH THE USE (OR INABILITY TO USE) OR PERFORMANCE OF THE PLATFORMS, THE MATERIALS OR THE INTERNET GENERALLY, OR THE USE (OR INABILITY TO USE), RELIANCE UPON OR PERFORMANCE OF ANY MATERIAL CONTAINED IN OR ACCESSED FROM ANY PLATFORMS. FIND ALL IN ONE DOES NOT ASSUME ANY LEGAL LIABILITY OR RESPONSIBILITY FOR THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION, APPARATUS, PRODUCT OR PROCESS DISCLOSED ON THE PLATFORMS OR OTHER MATERIAL ACCESSIBLE FROM THE PLATFORMS.

THE USER OF THE PLATFORMS ASSUMES ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS PLATFORMS AND THE INTERNET GENERALLY. THE FOREGOING LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF THE ESSENTIAL PURPOSE OF ANY LIMITED REMEDY AND TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW. SOME COUNTRIES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY OF CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO ALL USERS; IN SUCH COUNTRIES LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

THIRD PARTY SITES:

Your correspondence or business dealing with or participation in the sales promotions of advertisers or service providers found on or through the Platforms, including payment and delivery of related goods or services, and any other terms, conditions, and warranties or representations associated with such dealings, are solely between you and such advertisers or service providers. You assume all risks arising out of or resulting from your transaction of business over the Internet, and you agree that we are not responsible or liable for any loss or result of the presence of information about or links to such advertisers or service providers on the Platforms. You acknowledge and agree that we are not responsible or liable for the availability, accuracy, authenticity, copyright compliance, legality, decency or any other aspect of the content, advertising, products, services, or other materials on or available from such sites or resources. You acknowledge and agree that your use of these linked sites is subject to different terms of use than these Terms, and may be subject to different privacy practices than those set forth in the Privacy Policy governing the use of the Platforms. We do not assume any responsibility for review or enforcement of any local licensing requirements that may be applicable to businesses listed on the Platforms.

MONITORING OF MATERIALS TRANSMITTED BY YOU: Changes may be periodically incorporated into the Platforms. Find All in One may make improvements and/or changes in the products, services and/or programs described in these Platforms and the Materials at any time without notice. We are under no obligation to monitor the material residing on or transmitted to the Platforms. However, anyone using the Platforms agrees that Find All in One may monitor the Platforms contents periodically to (1) comply with any necessary laws, regulations or other governmental requests; (2) to operate the Platforms properly or to protect itself and its users. Find All in One reserves the right to modify, reject or eliminate any material residing on or transmitted to its Platforms that it, in its sole discretion, believes is unacceptable or in violation of the law or these Terms and Conditions. DELETIONS FROM SERVICE: Find All in One will delete any materials at the request of the user who submitted the materials or at the request of an advertiser who has decided to “opt-out” of the addition of materials to its advertising, including, but not limited to ratings and reviews provided by third parties. Find All in One reserves the right to delete (or to refuse to post to public forums) any materials it deems detrimental to the system or is, or in the opinion of Find All in One, may be, defamatory, infringing or violate of applicable law. Find All in One reserves the right to exclude Material from the Platforms. Materials submitted to Find All in One for publication on the Platforms may be edited for length, clarity and/or consistency with Find All in One’s editorial standards.

INDEMNIFICATION:

You agree to indemnify and hold us and (as applicable) our parent, subsidiaries, affiliates, officers, directors, agents, and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of these Terms, your violation of any law, or your violation of the rights of a third party, including the infringement by you of any intellectual property or other right of any person or entity. These obligations will survive any termination of the Terms.

MISCELLANEOUS:

These Terms will be governed by and construed in accordance with the Indian laws, without giving effect to its conflict of laws provisions or your actual state or country of residence, and you agree to submit to personal jurisdiction in India. You agree to exclude, in its entirety, the application to these Terms of the United Nations Convention on Contracts for the International Sale of Goods. You are responsible for compliance with applicable laws. If for any reason a court of competent jurisdiction finds any provision or portion of the Terms to be unenforceable, the remainder of the Terms will continue in full force and effect. These Terms constitute the entire agreement between us and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding the subject matter of these Terms. Any waiver of any provision of the Terms will be effective only if in writing and signed by you and Find All in One. Find All in One reserves the right to investigate complaints or reported violations of these Terms and to take any action we deem necessary and appropriate. Such action may include reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties. In addition, we may take action to disclose any information necessary or appropriate to such persons or entities relating to user profiles, e-mail addresses, usage history, posted materials, IP addresses and traffic information. Find All in One reserves the right to seek all remedies available at law and in equity for violations of these Terms.

Notices. All of our notices, demands and other communications must be in writing and will be deemed to have been given (a) if mailed by certified mail, postage prepaid, (b) if delivered by overnight courier, (c) if sent by facsimile transmission and such transmission is confirmed as received, or (d) if sent by electronic mail, and such message is confirmed as received, in each case to the address, fax number or e-mail address specified on the Order for the recipient of such notice. All of your notices, demands and other communications must be in writing and will be deemed to have been given (a) if mailed by certified mail, postage prepaid or if delivered by overnight courier, to our address: Find All in One Limited, Building M, 501-B, Palm Court Complex, Besides Goregaon Sports Club, New Link Road, Malad(w), Mumbai 400 064.

Force Majeure. In no event shall we or any Distribution Site have liability or be deemed to be in breach hereof for any failure or delay of performance resulting from any governmental action, fire, flood, insurrection, earthquake, power failure, network failure, riot, explosion, embargo, strikes (whether legal or illegal), terrorist act, labor or material shortage, transportation interruption of any kind or work slowdown or any other condition not reasonably within our control. Your payment obligations shall continue during any event of force majeure. Indemnification. You agree to indemnify us and the Distribution Sites and hold us and the Distribution Site harmless from and with respect to any claims, actions, liabilities, losses, expenses, damages and costs (including, without limitation, actual attorneys’ fees) that may at any time be incurred by us or them arising out of or in connection with these Terms or any Advertising Products or services you request, including, without limitation, any claims, suits or proceedings for defamation or libel, violation of right of privacy or publicity, criminal investigations, infringement of intellectual property, false or deceptive advertising or sales practices and any virus, contaminating or destructive features. Telephone Conversations. All telephone conversations between you and us about your advertising may be recorded and you hereby consent to such monitoring and recordation. Arbitration: Any disputes and differences whatsoever arising in connection with these Terms shall be settled by Arbitration in accordance with the Arbitration and Conciliation Act, 1996. a) All proceedings shall be conducted in English language. b) Unless the Parties agree on a sole arbitrator there shall be three Arbitrators, one to be selected by each of the parties, and the third to be selected by the two Arbitrators appointed by the parties. c) The venue of Arbitration shall be in Mumbai, India.

Entire Agreement. These Terms constitutes the entire agreement between you and us with respect to the subject matter of these Terms and supersedes all prior written and all prior or contemporaneous oral communications regarding such subject matter. Accordingly, you should not rely on any representations or warranties that are not expressly set forth in these Terms. If any provision or provisions of these Terms shall be held to be invalid, illegal, unenforceable or in conflict with the law of any jurisdiction, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired. Except as provided in Section 1, these Terms may not be modified except by writing signed by you and us; provided, however, we may change these Terms from time to time, and such revised terms and conditions shall be effective with respect to any Advertising Products ordered after written notice of such revised terms to you or, if earlier, posting of such revised terms and conditions on our Website.

TERMS OF SERVICE (FAIO PAY Receiver)

FAIO PAY TERMS OF SERVICE are a legally binding agreement between Merchant (hereinafter referred to as “You”), and Find All in One Limited (hereinafter referred to as “Find All in One”), and apply to your use of FAIO PAY Services. Find All in One offers a payment service solution that allows users to make a payment for goods or services.

It is important that you read and understand these Terms as they govern your use of the FAIO PAY Services. These Terms contain a binding arbitration provision, which affects your legal rights and may be enforced by the parties. By accessing or using the FAIO PAY Services, you accept and agree to be bound by these Terms. If you do not agree to these Terms, you must immediately stop using the FAIO PAY Services.

We may amend these Terms at any time by posting a revised version on www.justdial.com or any other website we maintain for purposes of providing the FAIO PAY Services. Amended Terms are effective at the time we post them and your continued use of the FAIO PAY Services constitutes your acceptance of any amended Terms. We may notify you regarding upcoming Terms changes by us.

By clicking on the “I AGREE” button or a similar affirmation, or by acknowledging acceptance of the Agreement by any other method allowed by Find All in One, or by using or accessing the FAIO PAY Services through any means permissible including, without limitation via a computer or a mobile application, you acknowledge and agree that: (i) you have reviewed and understands the Agreement; (ii) you agree to be legally bound by the terms and conditions of the Agreement; and (iii) your use of the FAIO PAY Services will be governed by this Agreement. If you do not agree or are not willing to be bound by the terms and conditions of this Agreement, you should not click on the “I AGREE” button and should not seek to obtain or use the FAIO PAY Services.

  1. DEFINITIONS:
  2. FAIO Pay Services:Find All in One provides FAIO Pay Services to Merchants to facilitate receipt of payment for goods or services, which may include, but are not limited to, receipt of online payment by debit/credit card, QR Code payment, and/or via email or text message, as well as by other means developed by Find All in One from time to time.
  3. Authorization:shall mean the process by which Payment Gateway Service Provider, Issuing Institution and/or the relevant Card Association electronically or otherwise convey the approval of a charge on a Transaction being undertaken by a Customer. It is agreed that the payment transaction made by Consumer would be considered received and confirmed only after the successful confirmation/acknowledgement from the Payment Gateway Service Provider.
  4. Customer:shall mean person who is intending to purchase goods and services and willing to make the online payment to Merchant.
  5. Proof of Delivery:shall mean the customer acknowledges to Merchant an electronically generated/physical acknowledgement, return receipt, message, etc. for the receipt of the goods or services.
  6. Services:means FAIO Pay services provided by Services Provider to Merchant under the terms of this Agreement.
  7. Transaction:means dealing between the Merchant and the customer regarding purchase of any goods, item or service offered by the Merchant and its payment vide FAIO Pay Services.
  8. Customer Data:Data (identifying number, location and all other data as may be collected by, or available with Merchant in connection with or related to such Persons) relating to the Customers who used and/or attempted purchase products/services form Merchant.
  9. Financial Institution Partners:shall mean various banks, financial institutions, Card Associations, payment system providers who are defined and licensed under the Payment and Settlement Systems Act, 2007.
  10. Financial Institution Partners Services:shall mean the payment gateway system and services provided by the Acquiring Banks such as to (i) route internet based Valid Card transactions; (ii) offer various facilities through the internet, including Net Banking facilities; (iii) provide Authentication and Authorization from Card Associations or other third party clearing houses; and (iv) provide settlement facilities in respect of payment instructions initiated by the customers.
  11. Card Association(s):shall mean any of Visa, MasterCard, Visa Electron, Maestro, Diners, American Express or any other card association as may be specified by us from time to time.
  12. Card Association Rules:shall mean the written rules, regulations, releases, guidelines, processes, interpretations and other requirements (whether contractual or otherwise) imposed or adopted by any Card Association
  13. Merchant Bank Account:shall mean the bank account maintained and nominated by you for settlement of your Settlement Amount.
  14. Settlement Amount:shall mean Customer Charge minus the TDR and any other charges/fees payable by you to Find All in One under this Agreement.
  15. Chargeback:shall mean reversal of the value of the Customer Charge with respect to any Transaction, inter alia, on account of (i) alleged forgery of the card number /bank account or other details (ii) any charge/debit made on a card that has been listed as a hot listed card or otherwise listed on the Card association warning bulletins (iii) duplicate processing of the transaction; or (iv) for other reasons as per applicable rules and guidelines issued by RBI, Card Associations, Acquiring Banks and Issuing Institutions. In addition, it shall include any debit to Find All in One bank account to recover the value of the Customer Charge in the event that you have insufficient funds and/or you fail to pay for the same.
  16. Proof of Delivery:shall mean sufficient legitimate records evidencing Delivery of the Product to the Customer.
  17. INTRODUCTION
  • Find All in One offers a FAIO Pay Services that, amongst other things, allows users (i) to make a payment via payment gateway links which shall be sent on their email/sms; (ii) scan QR Codes placed on invoices, web pages, emails, posters or other media produced by the Merchant to enable the Users to quickly and easily (i) register with and/or log in to the Merchant’s website; and/or (ii) make payments to the Merchant.
  1. The Merchant for the purposes of FAIO pay services is required to register with Find All in One to be able to receive the Services. The Merchant may not receive the Services (including processing any Transactions) until it has been so authorised by Find All in One. By clicking on the check box Merchant agrees that it has read and understood this Terms of Service.
  2. SCOPE OF SERVICES:
  3. The Merchant is desirous of availing FAIO Pay Services in order to accept the payments online from Customers for Services / Products purchased by them (Customers) from the Merchant or its agents.
  4. Find All in One hereby grants Merchant a right to access and use the FAIO Pay Services and to utilize systems, and/or communication links furnished by Find All in One in accordance with this Terms of Service and any other implementation and use requirements provided to Merchant by Find All in One from time-to-time.
  5. Merchant shall not misuse, rent, lease, assign, or otherwise transfer the FAIO Pay services to any other Person. Merchant may not alter, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from or included in the FAIO Pay services/System. All rights, title and interest to the FAIO Pay services are owned exclusively by Find All in One.
  6. Find All in One shall perform the Services with reasonable skill and care.
  7. ELIGIBILITY :

While using FAIO Pay Service, you represent and confirm that:

  1. You are 18 (eighteen) years of age or older;
  2. You are Indian citizen, a legal resident of India or a business entity, authorized to conduct business in India;
  3. You are not ‘incompetent to contract’ within the meaning of the Indian Contract Act, 1972; and
  4. You are entering into and performing this Agreement, as per applicable law and are not a person debarred from using the FAIO Pay Service under the laws of India or other applicable laws.
  5. FAIO Pay Service can only be used in India. You acknowledge that Find All in One Services may be subject to export restrictions imposed by the laws, rules, regulations, and guidelines in force in India.
  6. OUR RELATIONSHIP WITH MERCHANT :
  • Find All in One facilitates individuals and legal entities in accepting payments initiated by their customers on their website or mobile application directed to the Find All in One Site or through Find All in One’s IVR System, using Valid Cards, Net Banking and various other acceptable modes of Payment Mechanism provided by Find All in One.
  1. FAIO Pay is a software application. Find All in One will act as an intermediary, by creating a link between the Merchant and the respective Financial Institution by means of the Software Application and Find All in One site, for enabling the Customers to make payment for the Transactions carried, using FAIO Pay Service. In order to serve in this role, we have entered into agreements with Financial Institution and other software providers who are in the business of providing information technology services, including but not limited to, internet based electronic commerce, internet payment gateway and electronic software distribution services, to enable use of internet payment gateways developed by them, to (i) route internet based Valid Card Transactions; (ii) offer various facilities through the internet, including net banking facilities; (iii) provide Authorization from Card Associations or other third party clearing houses; and (iv) provide settlement facilities in respect of payment instructions initiated by the Buyers.
  • These Transactions are between you and your Customers and we are only acting as an intermediary. We are not (i) a payment System Provider as defined under the Payment and Settlement Systems Act, 2007,(ii) a banking company as defined under the Banking Regulation Act, 1949 or (iii) a non-banking financial company as defined by the Reserve Bank of India Act, 1938.
  1. The relationship between Find All in One and you is on principal-to-principal basis. Nothing contained herein shall be deemed to create any association, partnership, joint venture or relationship of principal and agent or master and servant, or employer and employee between us hereto or any affiliates or subsidiaries thereof or to provide either Party with the right, power or authority, whether express or implied to create any such duty or obligation on behalf of the other Party.
  2. Find All in One has no connection or interest of whatsoever nature in your business or the Products offered/ marketed on the Merchant Site. Find All in One shall provide FAIO Pay Services to you, as an independent entity and under the terms and conditions of this Agreement. Find All in One has no relationship with the Customers and all actions under this Agreement which may affect the Customers are instructed by you. You alone shall be responsible to the Customers and neither Find All in One nor the Financial Institution or anybody connected to Find All in One or Financial Institution shall have any responsibility or liability towards the Customers and you shall keep Find All in One and Financial Institution fully indemnified for all times to come in this respect.
  3. Find All in One is neither concerned nor required to monitor in any manner the use of the payment modes by the Customers for procuring / availing the Products. The Customers should be required to use the payment modes at their sole option and risks. You shall be required to notify this responsibility to all its Customers under the instructions provided by Find All in One.
  4. OBLIGATIONS OF FIND ALL IN ONE:
  5. In providing the Services, the Find All in One is acting as an Intermediary between the Merchant and Customers/Users. The contract for the sale of goods or services will be between the Customers/Users and the Merchant. The Merchant shall be solely responsible for all customer service issues relating to its supply of goods or services (including pricing, rebates, item information, availability, technical support, functionality, warranties, guarantees, order fulfilment, shipping, handling, order cancellation, returns, refund, adjustments, feedback and product or service complaints). In performing customer service, the Merchant shall present itself to its customers Find All in One Provider. It is the responsibility of the Merchant and not the Find All in One to resolve any dispute or claim raised by Customers/Users relating to the purchase or sale of goods or services from the Merchant.
  6. In case of an unauthorized Refund or a Refund that was incorrectly executed due to an error by Find All in One, Find All in One shall at the Merchant’s request immediately credit to the Merchant Account the refunded amount including all related Service Fees deducted therefrom. The Find All in One shall not be liable, where the unauthorized Refund arises from: (a) the Merchant’s failure to keep the personalized security features of the Merchant’s Account safe in accordance security policies prescribed under the law time being in force; or (b) any breach of this Agreement by the Merchant, or the Merchant ‘s negligence or willful misconduct; (c) if the Merchant fails to notify the Find All in One of any loss of the Merchant’s Password or other event that could reasonably be expected to have compromised the security of the Merchant Account after the Merchant has gained knowledge of such event; or (d) the Merchant fails to dispute and bring the unauthorized or incorrectly executed transaction to the Find All in One’s attention within 24 (Twenty Four) Hours from the time/date of the transaction.
  7. Find All in One is obligated to perform only those duties expressly described in this Agreement. Find All in One shall not be liable for any error in judgment, for any act taken or not taken, or for any mistake of fact , except for as expressly provided for herein.
  8. Find All in One shall maintain daily transaction record for accounting purpose and data and information generated/maintained by Find All in One under this agreement shall prevail and be binding on the parties.
  9. Find All in One hereby agrees that the payment identification number generated by Find All in One shall be the proof of payment made by Find All in One to Merchant.
  10. OBLIGATION OF THE MERCHANT
  11. Merchant shall be responsible for working with the Find All in One development team to make sure FAIO Pay Services are available subject to pre notified downtime of the system.
  12. Merchant will designate an Account to which all amounts due pursuant to FAIO Pay Services will be credited as per its terms and Conditions. Merchant shall be responsible for providing its accurate bank details to Find All in One. Find All in One shall not credit amounts due pursuant to FAIO Pay Services to the Merchant’s Account, until or unless Merchant shall not settle all disputes relating to payment or chargeback etc..
  13. Merchant hereby expressly authorizes Find All in One to initiate credit entries to Merchant’s Account for payment of amounts due to Merchant as per record and entries available with Find All in One, and to debit Merchant’s Account (for commission, payment gateway charges or any other charges) from time to time.
  14. Merchant hereby confirms to provide relevant information to Find All in One and to comply with applicable laws and industry rules or standards or as otherwise reasonably necessary to receive FAIO Pay services from Find All in One. m Merchant shall be required to submit the KYC documents as sought by the Find All in One from time to time or in compliance to statutory obligation for the purposes of availing services under this agreement.
  15. Merchant agrees to maintain Transaction records and retain proof of delivery of services from the customers for up to two (2) years from Transaction date and to make these records available to Find All in One upon request.
  16. The Merchant shall not offer to its Customer any Product or Services, which are illegal or offensive or banned as per the list provided in Annexure ‘A’ and/or is not in compliance with applicable laws, and regulations whether central, state, local or international of all jurisdiction from where the Customers avail the Products or Specified Purpose Services. The Merchant agrees and understands that Find All in One reserves the right to suspend payments to the Merchant or suspend the services of the Merchant, until such time that the Merchant does not discontinue selling such banned/illegal Products or uses the Funds collected for illegal, unlawful or banned purposes or does not conform with all applicable laws and regulations in force from time to time. In addition, Find All in One reserves the right to terminate this Agreement forthwith, in the event that the Merchant continues to sell such banned/illegal Products or uses the Funds collected for illegal, unlawful or banned purposes.
  17. Merchant acknowledges that with respect to Transactions, Find All in One will be acting as the payment facilitator to the Merchant.
  18. Merchant for any support or disputes can email at findallinone1@gmail.com, with brief details of the support required or call on our hotline No. 7249255759.
  19. Merchant shall not cause to be done any act/representation/omissions which results to loss of goodwill and damage to the reputation of Find All in One and vice versa.
  20. Merchant or any person on behalf of Merchant must vigilantly comply with all applicable law, including, without limitation to, Information Technology Act, 2000 as amended by the Information Technology (Amendment) Act, 2008, and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 and rules and regulations made thereunder, Money Laundering Law, Sales of Goods Act, Legal Metrology Act and any other law for the time being in force, and shall not do, or omit to do, any act that will cause Find All in One to be in breach of any such applicable law. If Merchant breaches the obligations, it shall indemnify Find All in One against any costs claims and liabilities arising as a result of the breach.
  21. Merchant shall take all such precautions and security measures to ensure that there is no breach of security and the integrity of the link and they have a proper encryption and robust security measures to prevent any hacking into the information of the customers and other data pertaining to customer/Find All in One. Merchant should have to do the following: use anti vires, protect the Password and Login ID, restrain from using Unlicensed or unmanaged applications, restrain from using third party links, and protect its devices and the data from unauthorized access etc.. In the event of any loss being caused as a result of the link being breached due to fraud, negligence and misconduct of the Merchant and any person on it’s behalf, the Merchant shall indemnify and keep indemnified Find All in One, from any loss as may be caused to it.
  22. Merchant shall provide such assistance for the prevention and detection of fraud in respect of any transaction as Find All in One may from time to time request.
  23. In the transaction between the Merchant and the Customers, Find All in One shall not be responsible for any defect in goods/services sold/provided by the Merchant. Find All in One shall not be deemed to be a party in respect of any such Transaction. Any and all disputes, subject to the other provisions of this Agreement, between the customers and Merchant in respect of any goods/services sold/provided by Merchant shall not require Find All in One to be a party to any such dispute except where the dispute between Find All in One and the Customer has arisen by the acts and omission of Find All in One.
  24. Merchant agrees that it shall provide to Find All in One the Customer Data relating to the Customers as defined under this agreement.
  25. The Merchant shall only accept Payments from and/or make Refunds to Customers/Users in connection with goods and/or services which the Merchant has sold and supplied to those Customers/Users;
  26. The Merchant shall only accept Payments and/or make Refunds in respect of goods and services the sale and supply of which commonly falls within the Merchant’s business as identified to the Find All in One
  27. The Merchant shall only accept payments and submit data to Find All in One in respect of Transactions which Customers/Users have authorized in accordance with Applicable Law, the Agreement and any other information or instructions provided by Find All in One to the Merchant from time to time.
  28. The Merchant shall cooperate with the Find All in One and provide all information as the Find All in One shall reasonably require enabling it to provide the FAIO PAY Services;
  29. Merchant shall display the QR Code at significant location where it is easily visible to customers.
  30. The Merchant shall also be responsible for informing, updating the customer’s about the cancellation and refund policy and Find All in One shall not be responsible for the same in any manner.
  31. The Find All in One shall have no liability for any failure to provide or delay in providing the Services in accordance with the terms of this Agreement to the extent such failure or delay results from the failure of the Merchant to comply with terms or the Merchant has otherwise caused or contributed to the failure (by act or omission).
  32. Unless otherwise agreed by the Find All in One in writing, the Merchant acknowledges and agrees that it shall (at its own cost) be solely responsible throughout the Term for the provision of all equipment, software, systems and telecommunications facilities which are required to enable the Merchant to receive the Services.
  33. Merchant will comply, at its own expense, with all laws, policies, guidelines, regulations, ordinances, rules, and/or orders of any governmental authority or regulatory body having jurisdiction over the subject matter hereof, including, without limitation, terms of issuing Banks or/and terms of the Payment Gateway Provider. Find All in One reserves the right to amend, modify or change the Services documentation at any time. Merchant shall not use the Services in any manner, or in furtherance of any activity that may cause Find All in One to be subject to investigation, prosecution, or legal action.
  34. Merchant will comply, and will cause its employees, agents and sub-contractors to comply, with Data Protection Legislation in connection with the performance of its obligations under this Agreement. You are responsible for keeping your Account login information, password, and PIN secure.
  35. Your use of third party products and services shall be governed by and subject to separate third party product, service, software and/or license agreements. Find All in One shall not be a party to such third party agreements and does not warrant or guarantee any third party product or service.
  36. Merchant shall provide the correct personally identifiable information of its customers/end users including but not limited to name, address, contact no. etc to Find All in One in all respects. Find All in One shall not be responsible, for any loss, or damages, causes either to Merchant and/ or customers/end users, in any manner whatsoever, due to the incorrect/false personally identifiable information of customers/end users, provided by the Merchant and the Merchant shall not claim or challenge for the same.
  37. If you link a bank account with FAIO Pay, the bank must be a registered with RBI. When you make a payment that is funded by your bank, you are authorizing Find All in One and our Financial Institution Partners to initiate an electronic transfer from your linked bank in the amount you specify. You are solely responsible for complying with any terms set by your bank with respect to your bank account, including any fee terms, such as non-sufficient fund or overdraft fee terms. If you are entitled to a Reversal, refund, or other adjustment associated with a payment you made using the FAIO Pay Services, you also authorize Find All in One to credit your linked bank account to complete that transaction.
  38. You shall have the marketable and legal right and title to sell Products offered by it to the Customers by using FAIO Pay.
  39. In the event any Customer complaints or is dissatisfied with any Product, you shall take such measures as may be required to resolve the same at its sole cost and expenses.
  40. You shall ensure that the best service standards in the industry are adopted and shall ensure Delivery of all Products paid for on the Merchant Site to Customers in accordance with the highest standards.
  41. You shall be solely responsible for the accuracy of all information and/or validity of the prices and any other charges and/or other information relating to the Products, which are offered by you.
  42. You hereby agree that it shall bear and be responsible for the payment of all relevant taxes, surcharge, levies etc. (including withholding taxes) in relation to the Customer Charge and FAIO Pay Services provided under this Agreement.
  43. In the event that you opt for FAIO Pay Services, you agree and understand that you and your Customers shall be bound by the terms and conditions at www.justdial.com/terms.You shall ensure that you and all your Customers comply with the terms and conditions.
  44. You will not engage in any activity, including the development or distribution of an application, that interferes with, disrupts, damages, or accesses in an unauthorized manner the servers, networks, or other properties or services of any third party including, but not limited to, Find All in One or Financial Institution Partners.
  45. You shall ensure to keep confidential, all information submitted by the Customers to you. The Customer shall not be required or asked to disclose any confidential or personal data, which may be prejudicial to interests of the Customer. You shall use the Customer data only for the purpose of completing the Transaction for which it was furnished, and shall not sell or otherwise furnish such information to any third party. You shall be liable to comply with existing data privacy regulations from time to time.
  46. You shall in writing inform Find All in One of all changes in its constitution, directors/partners/trustees, or change in the current addresses of each office, within seven (7) Business Days of such change having taken place listing out the names and details of the personnel in charge of your management and affairs. Such intimation shall be provided on your letterhead signed by your authorized signatory.
  47. You shall not engage in activities that harm the business and/or brand of Find All in One, the Financial Institutional Partners.
  48. You shall be responsible to resolve all customer disputes and provide whatever assistance necessary to assist the Financial Institutional Partners and Find All in One deal with all Customer disputes at its own cost.
  49. You authorize Find All in One to share Transaction data and Customer information with the respective Financial Institutional Partners.
  50. You agree that Find All in One reserves a right to suspend the payment and/or FAIO Pay Services provided herein, forthwith, in event you fail to observe the terms and conditions herein.
  51. You agree that Find All in One shall not be responsible for any incorrect information provided by Merchant and the transaction thereof.
  52. Merchant shall immediately inform Find All in One incase of any theft or lost of its instruments /mobile devices etc used for the FAIO Pay services. Merchant agrees that Find All in One shall not be responsible in the event merchants fails to inform about such lost/theft of instruments /mobile devices etc.
  53. You acknowledge and confirm that while accepting the payment using FAIO Pay, you shall not demand any Customer (Cardholder) to pay any surcharge, to pay any part of the discount, whether through any increase in price or otherwise, or to pay any contemporaneous finance charge in connection with the transaction in which a FAIO Pay is used. If at any stage it is brought to the notice of Justdial / Bank that such a charge is being levied by you, then services will be immediately terminated by Find All in One or the Bank.
  54. DORMANT ACCOUNTS
  • If there is no activity in your Find All in One Account (including access or payment transactions) for a period of one (1) year, we may close your Find All in One Account.
  1. PRIVACY
  • Your privacy is very important to us. Your accounts details in as much as the services under this terms of services are safe and secure with us.
  1. By using our Service, you may receive information about Customers. You must keep such information confidential and only use it in connection with the Services. You may not disclose or distribute any such information to a third party or use the information for marketing purposes unless you receive the express consent of the Customer.
  2. OBLIGATIONS TOWARDS FINANCIAL INSTITUTION PARTNERS
  • As you will be using the FAIO Pay Service, you undertake comply with all applicable rules, guidelines, instructions, requests and actions, etc., made by the Financial Institution Partners from time to time. The Financial Institution Partners may also put limitations and restrictions on you, at its sole discretion. In addition, the Financial Institution Partner has the right to reverse/reject settlement, suspend and/or terminate services, make inspections or inquiries in relation to the Transaction, etc. You understand and acknowledge that the Financial Institution Partners Rules form a part of this Agreement. In the event that your non-compliance of Financial Institution Partners Rules, results in any fines, penalties or other amounts being levied on or demanded of Find All in One by an Financial Institution Partners, then without prejudice to Find All in One’s other rights hereunder, you shall forthwith indemnify Find All in One in an amount equal to the fines, penalties or other amount so levied or demanded. If you fail to comply with your obligations towards the Financial Institution Partners, Find All in One may suspend settlement or suspend/terminate the FAIO Pay Services forthwith.
  1. CONNECTIVITY AND INTEGRITY OF HOTLINK:
  • You shall be responsible at your own costs for providing and maintaining all necessary equipment, software and facilities at your end so as to connect the FAIO Pay Service.
  1. You shall be responsible at your own costs for providing and maintaining all necessary equipment, software and facilities at your end so as to connect the FAIO Pay Service.
  • You shall take all such precautions and measures as may be directed by Find All in One from time to time to ensure that there is no breach of security and the integrity of the link. You shall also ensure that there are proper encryption and robust security measures to prevent any hacking into the information of the Customers and other data. In addition to the above, you shall also comply with security practices and procedures as prescribed in the Information Technology Act, 2000 and the rules made thereunder and/or the RBI rules and Regulations. Any loss incurred to you, Find All in One or Financial Institution Partner as a result of the Hotlink being breached due to improper security on part of you, your employees, contractors, agents, etc, shall be borne solely by you and you agree to indemnify, defend and hold harmless Find All in One and the Financial Institution Partner from any claims, actions, damages or losses arising out or in relation thereto.
  1. Without prejudice to the generality of the aforesaid, you shall routinely and at such time intervals as may be specified by Find All in One check the integrity of the Hotlink and provide such reports from time to time.
  2. PUBLICITY:
  • Merchant hereby agrees and confirms to include the name and logo of Find All in One/FAIO Pay Services in all of their advertisement / promotional material upon taking written consent from Find All in One in writing.
  1. REPRESENTATION, COVENANTS AND WARRANTIES OF MERCHANT:
  2. Merchant has all the necessary licenses, permissions, approvals, rights and is fully authorized to sell the products/services to customers;
  3. Merchant has full corporate power and authority to execute, deliver and perform this Agreement;
  4. Merchant has obtained all licenses, clearances, permissions, approvals or consents from any third party or any regulatory or government body which are required by applicable law or regulations, to execute the business/services of this Agreement.
  5. Merchant confirms that, the execution of this Agreement and the performance of its obligations under this Agreement and the implementations of the terms and conditions contemplated hereby do not constitute a breach of any contract, agreement, arrangement or understanding, entered into by it with any third party, or any IPR of any third party;
  6. Merchant confirms that the execution of this Agreement and the performance of its obligations under this Agreement and the implementations of the terms and conditions contemplated hereby does not violate any statute, regulation, rule, order, decree, injunction or other restriction of any governmental agency or Court or any regulatory authority to which it is subject or any of the provisions of its’ constitutional documents;
  7. Merchant shall post its refund/cancellation policy on its Website and shall ensure that its Customers are bound by the refund/cancellation policy. Merchant agrees to put up such notices, disclaimers or warranties as may be required under the law and/or by FAIO.
  8. Merchant hereby agrees that Find All in One does not verify the identity of Users of the Service and that the information provided to Merchant is the information received from the User/customer which has not been independently verified by Find All in One.
  9. Merchant shall solve/reply all issues and queries pertaining to customers complaints to their satisfaction including the issues relating to the refund amount of cancelled transactions within 24 (Twenty Four) hours failing which Find All in One shall be entitled to debit the amount of such cancelled transaction from Merchant’s account without any further communication to Merchant.
  10. In consideration of Find All in One providing the services as provided under this agreement, Merchant shall at all times use the logo of Find All in One / FAIO Pay services in all their promotional material and in their advertisement after taking the written consent from Find All in One.

14.FEES/CHARGES:

  • In consideration for FAIO Pay Service, you shall pay Transaction Discount Rate (“TDR”). The TDR shall be deducted by Find All in One from the Customer Charge payable to you in respect of each completed Transaction. Find All in One reserves the right to revise the TDR periodically, and Find All in One will intimate you of any such change within reasonable time.
  1. In consideration for FAIO Pay Service, you shall pay Transaction Discount Rate (“TDR”). The TDR shall be deducted by Find All in One from the Customer Charge payable to you in respect of each completed Transaction. Find All in One reserves the right to revise the TDR periodically, and Find All in One will intimate you of any such change within reasonable time.
  2. PAYMENT & SETTLEMENT TERMS:
  • The FAIO Pay Services may enable the Merchant to receive immediate Payments from Users who authorize and initiate those Payments via payment gateway links or QR Code. When a User initiates a Payment, the Find All in One will process the Payment. Provided that the issuing bank authorizes the payment, Find All in One will credit the Merchant Account for the amount of the Payment less any applicable Fees. If the Merchant does not receive the payment, the Merchant shall immediately contact the Find All in One.
  1. Merchant is solely responsible for payment reconciliation of Transaction history with its actual Transactions. However, if Merchant find’s any discrepancy during reconciliation, Merchant agrees to notify Find All in One and Find All in One will promptly investigate and attempt to resolve any reported discrepancies. In the event of any dispute in the reconciliation/Invoice, Find All in One shall have a right to review and verify, the information provided by Merchant under this Clause based on the data and information available with Find All in One. It is hereby expressly agreed between Parties that in case of any discrepancy, the data and information generated by Find All in One shall prevail and be binding upon the Parties and the merchant shall not challenge the same in any manner whatsoever.
  • Find All in One may suspend the processing of any Transaction / stop the payment to Merchant where Find All in One reasonably believes that the Transaction may be fraudulent or involves any criminal activity, until the satisfactory completion of the Find All in One’s ‘s investigation or that of any third party under Applicable Law. Find All in One may also initiate a Refund if a Payment is reversed by a court, regulatory authority or other third party acting in accordance with Applicable Law, (b) Find All in One , in its sole and absolute discretion, accepts or has reason to believe that a Payment was not authorized by the relevant User, or (c) a Payment is allegedly fraudulent, unlawful, suspicious, or in breach of this Agreement. In circumstances where the Merchant agrees to refund all or part of a Payment in connection with a purchase made by a User, the Merchant must initiate a Refund to that User.
  1. Find All in One may refuse to execute a Refund if it does not meet the conditions in this Agreement or is prohibited by law. If Find All in One does refuse to execute a Refund, within the time for processing the Refund, it will notify the Merchant (unless prohibited by law) of the refusal and, if possible, the reasons for it and the procedure for correcting any factual mistakes that led to the refusal. Any Refund that is refused will not be deemed to have been received for purposes of execution times and liability for non-execution or defective execution. In order to reclaim an unauthorized or incorrectly executed Refund on the Merchant Account, the Merchant must notify Find All in One without undue delay after becoming aware of the unauthorized or incorrect Refund and in any event no later than 7( Seven) days after the debit date of the Refund
  2. It is acknowledged and confirmed by Merchant that Find All in One may in future charge the commission percentage by notifying to Merchant.
  3. In the event of termination of this agreement, Merchant undertakes and confirms to pay all amounts of money that are due and payable to Find All in One within Two (2) days of termination of this Agreement. Merchant shall at all times be responsible for any expenses, cost, charges that may be incurred by Find All in One for providing FAIO Pay Services including but not limited to payment gateway charges, any fees or penalty imposed by payment gateway service provider or issuing institutions etc.
  • Find All in One shall do the settlement of transaction amount with Merchant on every business day except Saturday, Sunday or any declared holiday. The amount of the Settlement Payment for any Settlement Period shall be the aggregate amount of the Payments made by the Customers/Users in such Settlement Period less the following amounts: (A) the aggregate amount of Refunds made during such Settlement Period plus the aggregate Refund Fees applicable to such Refunds; (B) the aggregate amount of Chargebacks (plus the applicable Chargeback Handling Fees) made in such Settlement Period; (C) the Settlement Fee (if any)/ payment gateway charges owed by the Merchant for such Settlement Payment; and (D) any other relevant Fees relating to such Settlement Period.
  • Find All in One may defer any Settlement Payment: (A) if the amount of such Settlement Payment is less than the minimum Settlement Payment threshold that the Find All in One reasonably determines in the Find All in One’s ‘s sole and absolute discretion (of which the Find All in One will notify the Merchant from time to time), until the total Settlement Payment payable reaches that threshold; (B) where the Find All in One reasonably believes that a Transaction may be fraudulent or involves other criminal activity, until the satisfactory completion of the Find All in One ‘s investigation or that of any third party; or (C) without limit in amount or time, if Find All in One becomes aware or reasonably believes that the Merchant is in breach of or likely to be in breach of the Merchant’s obligations under this Agreement.
  1. Find All in One may at its sole and absolute discretion deduct or withhold such sums from, or set-off such sums against, any Settlement Payment; and/or send the Merchant an invoice for any or all such sums, which invoice shall be payable in accordance with its terms.
  2. Find All in One will make the settlement of the amount in the Merchant’s bank account provided by the Merchant to Find All in One.
  3. Find All in One generates a successful transaction report daily at 00.00 hours through its system automatically and without any human intervention. The said transaction report is made available to the Merchant on regular basis. It is understood between the Parties that since the transaction report is generated automatically and independently, hence it shall prevail and be binding upon the Merchant and the merchant shall not challenge it any manner whatsoever.
  • Merchant shall be liable to deposit all indirect taxes that may arise on orders/bookings placed by the Customer. Merchant agrees to indemnify Find All in One in case any demand of indirect taxes is raised by the revenue authorities including interest and penalty in relation to indirect taxes implications on the orders/bookings placed by the Customer under this agreement.
  • Find All in One is only acting as a facilitator for receipt of payment of goods/services for Merchants. Find All in One does not maintain/deliver any goods at any point of time and property in goods does not pass to Find All in One under any circumstances. Find All in One is not responsible for issuing any invoice on the customer either directly or on behalf of the Merchant and not liable for any tax liability pertaining to this transaction except on commission income (if any) earned by it.
  • Find All in One shall have no liability for any penalty, interest, fine or other charges due to the delayed or non-payment of any (applicable) taxes to the tax authorities under this agreement.
  1. RESERVE:
  • You understand and acknowledge that at any time and from time to time, we may temporarily suspend or delay payments to you or require you to provide Find All in One with Reserve of such amounts as may be requested by Find All in One to secure the performance of your payment obligations under this Agreement for reason, including without limitation, high Chargeback risk, credit risk, refund overdraft risk, non-delivery issues, selling of banned items, non-payment of maintenance fees or other amount payable to Find All in One or any other indications of performance problems related to your use of the FAIO Pay Service. If you fail to provide Find All in One with Reserve within seven (7) days of receipt of notice for the same, Find All in One reserves the right to suspend and/or terminate the Settlement Amount payable you or the FAIO Pay Service without further notice. Find All in One may use this Reserve to set-off including but not limited to any Outstanding Amounts payable by you to Find All in One, Financial Institution and/or Customers.
  1. In case the Settlement Amount payable to you and/or the Reserve (if any) is not sufficient to cover your Outstanding Amount, then you shall pay Find All in One and/or the Financial Institution the remaining amount due immediately upon request. Find All in One shall be entitled to charge daily interest on such Outstanding Amount from the date of request until the date of payment in full, at the rate of 1.5% per month. Provided that the above right of Find All in One to appropriate the Reserve and set-off the Outstanding Amount in the above manner shall be in addition to and reserving fully the right of Find All in One to recover all such losses, costs and damages etc from you by any other means, which may be available to Find All in One under the law. In addition, you agree to pay all costs and expenses, including without limitation attorneys’ fees and other legal expenses, incurred by or on behalf of us in connection with the outstanding amount and the collection of same from you.
  2. CHARGEBACK:
  • The Merchant shall bear the risk of Chargebacks initiated in respect of Customers/Users. If a Chargeback is initiated, Find All in One will deduct from the Merchant Account the amount of the Chargeback plus the applicable Chargeback Handling Fee. The Merchant will provide such information and assistance as is reasonably requested by Find All in One to process, administer, challenge or dispute Chargebacks. If the Chargeback is successfully challenged by submitted relevant documents and reversed, Find All in One shall credit the Merchant the amount of such reversal and if Merchant is unable to defend the Chargeback then Find All in One shall deduct the amount from Merchant’s account and shall credit in the User’s account.
  1. Merchant hereby acknowledges that Issuing Bank/ payment Gateway service provider reserves the right to either accept or reject the chargeback of the Customer.
  • In case of cancellation of transactions by the, refund process shall be as follows:
    1. The Merchant shall give intimation to Find All in One regarding details of transactions cancelled by the customers either by electronic mail or by letter.
    2. Find All in One shall not be liable for the calculation of cancellation charges which may be based on factors like terms & conditions of the Merchant selling the goods/services, the time of cancellation and the status of the transactions and shall accept the refund sent by the Find All in One as final in this regard. The Merchant shall provide the details and Find All in One will credit the amount of refund due to the customers.
    3. Find All in One shall reverse the debit entries in case of refund transaction from Payment Gateway Service Provider and shall in turn debit the Merchant with the amount of cancellation money as given by Find All in One and crediting the same to Customer.
    4. In case of fraudulent online purchase transaction done by Customer then it shall be resolved by Customer and the Merchant at the exclusion of Find All in One. The Merchant shall immediately inform the Find All in One.
    5. OWNERSHIP AND INTELLECTUAL PROPERTY RIGHTS:
  1. Both the Parties hereby acknowledge and agree that each Party is the absolute owner of all right, title and interest in respect of their own trade name, logo, trademark, copyright, device, label, colour combination, artwork and visual representation and they shall not, by virtue of this Agreement, assume activities under this Agreement or affiliation with the other Party, acquire or claim any interest in any such trade names or copyright belonging to and/or owned by the other Party.
  2. Each Party shall at all times, render assistance in its power to restrain the infringement, passing-off, duplication, unauthorized use or colorable imitation of any such trade descriptions, logo, device, label, art work, trade names, trademarks or Copyrights.
  3. Each Party hereby agrees and undertakes that it shall not register, use or file and/ or assist in and/ or allow registering, using or filing, either directly or indirectly, for itself or through, on behalf of or in conjunction with any person or legal entity and whether as principal, agent, shareholder, consultant, employee or in any capacity whatsoever, any trademarks/ service marks in any class, either alone or in combination with any other mark or material, which is similar and or identical and/ or resembling in any manner with the other party’s marks and/ or intellectual property rights of the other party and not to associate the other party marks and/ or intellectual property rights of the other party with its own business and/ or the business of any third party associated with it, except as contemplated under this Agreement.
  4. Upon the termination of this Agreement for any reason, the Parties shall immediately cease to use other party’s marks and/ or intellectual property rights vested in the other party in any manner whatsoever.
  5. Either Party shall not claim any right, title, or interest in the other party marks and/ or intellectual property rights vested in the other party and the same shall at all times continue to be the exclusive property of the other party.
  6. Either party shall not directly or indirectly do anything which shall have an adverse impact on the other party’s marks and/ or intellectual property rights and/ or confidential information of the other party. In the event of termination of this Agreement the provisions of this Clause 10 shall survive the termination of this Agreement.
  7. CONFIDENTIALITY:
  • Except as specifically set out in this Agreement, no announcement or communication concerning the terms of this Agreement shall be made or caused to be made before or after the execution of this Agreement, by both Parties without mutual consent.
  1. Both Parties have agreed that, save and except with the prior written consent of the other Party:
    1. On and from the date of this Agreement, the contents of this Agreement and any documents, data, or information, which a Party may obtain from the other Party pursuant to this Agreement, or sensitive personal data and information defined under the Information Technology (reasonable security practices and procedure and sensitive personal data or information) Rule, 2011 (hereinafter referred to as “Confidential Information”) shall be kept confidential and shall not be disclosed by either Party to any third party.
    2. Upon the expiry of the term of this Agreement or the termination of this Agreement, neither Party shall issue any adverse official written communication relating to such termination or the factum of this Agreement.
    3. However, the Parties may disclose such Confidential Information under following circumstances: (i) if it is essential for the assessment of the transaction to disclose Confidential Information, (ii) may disclose such Confidential Information to its employees, agents and advisors (including without limitation, attorneys, accountants, consultants, bankers, financial advisors, or their representatives) whose knowledge of the Confidential Information is essential for fulfilling its obligations under the Agreement; (iii) disclose the said confidential Information to lawful authority after getting the lawful order; & (iv) where the disclosure is necessary for compliance of a legal obligation. Subject to the aforesaid conditions, the Parties shall not under any circumstances disclose to any third party or to any other Find All in One the terms and conditions of this Agreement & all confidential Information, documents, manuals and other materials provided by the other Party, during the subsistence & survival of this Agreement.
  • Upon the expiration, cancellation or termination of this Agreement, each Party shall forthwith stop using and, return or destroy all Confidential Information, documents, manuals and other materials provided by the other Party. Upon request, the receiving Party shall send disclosing Party a certificate specifying that all the Confidential Information, documents, manuals and other materials have either been destroyed or returned.
  1. In the event either Party violates or causes to be violated any of the provisions of this Clause during the term of this Agreement and after its expiry or sooner termination, the other Party shall, without prejudice to its other rights to claim injunctive relief, be entitled to claim from the Party in breach, and the Party in breach shall be liable to pay to the other Party as liquidated damages, compensation to the tune of actual amount of damages as determined and supported by proof of evidence, by the other Party. The above clause shall survive for the period of three years after the termination of the Agreement.
  2. WARRANTIES AND INDEMNITIES:
  • The Merchant warrants and represents that all information provided to Find All in One in the course of applying to use the FAIO PAY Service is true and accurate in every respect and the Merchant will keep all such information up to date during the Term.
  1. The Merchant warrants that it will conduct its business in the Territory and that it will only use the Services and/or receives Payments within the Territory. The Merchant warrants and represents that the sale and purchase of goods and services by Users/Customers and the integration of FAIO PAY meet all Applicable Law in the Territory and the provision of the Services by Find All in One will not contravene any such Applicable Law. If it is determined that such acts do contravene any Applicable Law, Find All in One may terminate this Agreement immediately.
  • The Merchant shall indemnify and hold Find All in One/ Payment Gateway Service Provider harmless from and against any and all claims brought against Find All in One/ Payment Gateway Service Provider by Users/Customers or a financial institution or other third party, or which Find All in One may suffer or incur, to the extent such claims arise out of or in consequence of or in connection with: (A) a Transaction; (B) any security breach in relation to compromise or theft of Payment data held by the Merchant or on the Merchant’s behalf; (C) a breach of the warranties clauses and; (D) a failure by the Merchant to comply with the requirements of a regulatory authority or Applicable Law;.
  1. LIMITATION OF LIABILITY:
  • This clause sets out the entire liability of the parties (including any liability for the acts or omissions of their respective employees, agents and sub-contractors) to each other in respect of: any breach of this Agreement; any use made by the Merchant or its Affiliates of the Services or any part of them; and any representation, statement or tortious act or omission (including negligence) arising under or in connection with this Agreement. All warranties, conditions and other terms implied by statute or common law are, to the fullest extent permitted by law, excluded from this Agreement. In particular, and except as expressly stated in this Agreement: Find All in One makes no representations or warranties, express or implied, with respect to Merchant ability, fitness for a particular purpose or non-infringement; Find All in One does not warrant or guarantee that Merchant will achieve any level of sales, revenue or profit; Find All in One does not warrant or guarantee that the FAIO PAY Services will always be available or operate error-free, or that any errors, omissions or misplacements in the software will be corrected.
  1. Nothing in this Agreement shall limit or exclude the liability of either party for death or personal injury resulting from negligence; fraud or fraudulent misrepresentation; the indemnification obligations; or any other liability that cannot be excluded by Applicable Law.
  • Without prejudice to above clause: Find All in One’s ‘s total liability arising under or in connection with this Agreement, whether arising in contract, tort (including negligence) or restitution, or for breach of statutory duty or misrepresentation, or otherwise, shall be limited to an amount not more than the payment made by the customers/users in the one month immediately prior to the date on which the cause of action for such liability arose;
  1. DISCLAIMER :
  • THIS SERVICES ARE PROVIDED ON AN “AS IS, “AS AVAILABLE” BASIS WITHOUT ANY REPRESENTATIONS OR WARRANTIES. FIND ALL IN ONE DOES NOT REPRESENT OR WARRANT THAT THE SERVICES WILL BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE, ACCURATE, COMPLETE, OR ENTIRELY ERROR -FREE. MERCHANT MAY NOT RELY UPON ANY REPRESENTATION OR WARRANTY REGARDING THE SERVICES BY ANY THIRD PARTY IN CONTRAVENTION OF THE FOREGOING STATEMENTS, INCLUDING REPRESENTATIONS OR WARRANTIES OF ANY FIND ALL IN ONE EXCEPT AS EXPRESSLY SET FORTH HEREIN.
  1. FIND ALL IN ONE SPECIFICALLY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES, AND CONDITIONS WHETHER EXPRESS OR IMPLIED, ARISING BY STATUTE, OPERATION OF LAW, USAGE OF TRADE, COURSE OF DEALING, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO, WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON -INFRINGEMENT, OR TITLE WITH RESPECT TO THE SERVICES, OR OTHER SERVICES PROVIDED UNDER THIS AGREEMENT. MERCHANT UNDERSTANDS AND AGREES THAT FIND ALL IN ONE SHALL BEAR NO RISK WITH RESPECT TO MERCHANT’S SALE OF PRODUCTS OR SERVICES, INCLUDING, WITHOUT LIMITATION, ANY RISK ASSOCIATED WITH CHARGEBACKS OR FRAUD IN ANY MANNER WHATSOEVER.
  • EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT, MERCHANT EXPRESSLY AGREES THAT FIND ALL IN ONE SHALL NOT BE LIABLE FOR ANY LOSS (HOWEVER OCCURRING , INCLUDING NEGLIGENCE), ARISING FROM OR RELATED TO: (A) CUSTOMERS/MERCHANT’S FAILURE TO PROPERLY ACTIVATE, INTEGRATE OR SECURE ACCOUNT OR INCORRECT DETAILS ; (B) FRAUDULENT TRANSACTIONS PROCESSED THROUGH PAYMENT GATEWAY ACCOUNT(S); (C) DISRUPTION OF TRANSACTION SERVICES, SYSTEMS, SERVER OR WEBSITE BY ANY MEANS, INCLUDING WITHOUT LIMITATION, DDOS ATTACKS, SOFTWARE VIRUSES, TROJAN HORSES, WORMS, TIME BOMBS, OR ANY OTHER TECHNOLOGY; (D) ACTIONS OR INACTIONS BY ANY THIRD PARTY, INCLUDING WITHOUT LIMITATION, FIND ALL IN ONE, PAYMENT GATEWAY SERVCE PROVIDER , PAYMENT PROCESSOR OR ISSUING BANK; OR (E) THE LIMITATION OF THE FUNCTIONING OF ANY TRANSACTION SERVICES OR SOFTWARE, HARDWARE, OR EQUIPMENT ASSOCIATED THEREWITH.
  1. TERM :
  • This Agreement shall remain in force continuously from the date of execution of this Agreement, until and unless otherwise terminated by either party by giving 30 (Thirty) days prior written notice to the other party. The duration may be reduced as mutually decided by both the parties.
  1. TERMINATION :
  • Each party shall have the option to terminate this Agreement at any time by giving 30 (thirty) days advance notice in writing to that effect to the other party.
  1. The Parties have right to terminate this Agreement forthwith by a notice in writing to the other Party, if other Party has committed any material breach of its obligations specified under this Agreement or has violated any law under which its right to business may cease and has failed to remedy the highlighting such breach or non-performance within one week.
  • Each Party shall have the option to terminate this Agreement, by giving notice in writing, in the event that any other Party becomes insolvent, goes into liquidation or a liquidator is appointed to wind up the Company.
  1. This Agreement shall stand terminated automatically if the business of the merchant becomes illegal/unlawful/banned by the law of the land or if the Merchant indulges in any illegal act or practice that makes its business illegal/unlawful/banned or if any transaction has taken place which results directly or indirectly in Money Laundering activities or financing of terrorists activities. Find All in One shall not be liable for such activities/transactions and Merchant shall be solely responsible / liable for any action taken by any Government or regulatory authority.
  2. In the event of the termination of this Agreement either Party will, forthwith return all the signage, literature, banners, glow-signs and any such other promotional material to other party. The termination shall not affect any liabilities incurred by the either Parties prior to the termination of the Agreement or for acts performed during the pendency of the Agreement which may result in a dispute post termination of the Agreement nor any provision expressed to survive or to be effective on termination and the obligations set out in this clause shall remain in full force and effect notwithstanding termination.
  3. GENERAL PROVISIONS :
  4. Assignment:Neither Party shall assign the obligations nor any of the benefits under this Agreement to any persons, firm or company, save and except with prior written permission from the other party.
  5. Waivers:No waiver by either party of any of their terms hereof or of any breach thereof shall constitute or be deemed to be a waiver of any such terms or of any breach in any other case whether prior or subsequent thereto.
  6. Force Majeure:Neither party to this Agreement shall be responsible for any delay in the performance of any terms and conditions hereunder to the extent that such delay is caused by war, revolution, riot, act of public enemy, terrorism, sabotage, epidemic, quarantine restrictions, accident, fire flood, tempest, earthquake, civil commotion, governmental action, Acts of God (force majeure ) including, but not restricted to, strike, lock-out, fire, break-down, war, destruction of network, web space or website by way of hacking, virus prone, defacement, stoppage of display or transmission of the website/app of Find All in One, Act, or Regulation, or restriction of Government, inability to secure Government authorization, or approval, or any other cause beyond their reasonable control, including the breakdown of systems and any other causes beyond its reasonable control.

If at any time during the term of this agreement the performance in whole or in part by any one of the parties, of any obligation under this agreement is prevented or delayed by reason of war, revolution, riot, act of public enemy, terrorism, sabotage, epidemic, quarantine restrictions, accident, fire flood, tempest, earthquake, civil commotion, governmental action or Act of God, the other party shall not be entitled to terminate this agreement neither shall any party have any claim for damages against the other in respect of such non-performance or delay in performance, provided notice of the happening of any such event/s is given by the affected party to the other within twenty one (21) days from the date of occurrence thereof.

  1. Arbitration:Any dispute or difference which may arise at any time between the parties, as to the construction, meaning or effect of, or, as to any clause, matter or things contained herein, or as to the rights or liabilities of the parties under this Agreement, shall be referred to arbitration under the Arbitration and Conciliation Act, 1996 (Indian) to be adjudicated by a sole arbitrator to be appointed with mutual consent of the parties. Arbitration shall be held at Mumbai, India. The proceedings of arbitration shall be in the English language. The arbitrator’s award shall be final and binding on the Parties. The Agreement shall be governed by and construed in accordance with the laws of India. The courts of Mumbai, India, shall have exclusive jurisdiction in connection with this Agreement.
  2. Notice:Delivery of Notice: All notices or other communications required to be given hereunder shall be in writing and delivered either personally or by registered A.D. and /or mail, certified, return receipt requested postage prepaid, and addressed as provided in this Agreement or as otherwise requested by the receiving party. Notices delivered personally shall be effective upon delivery and notices delivered by mail shall be effective upon their receipt by the party to whom it is addressed. The Parties shall notify any change in address to the other party promptly. In case of failure to intimate the other Party about the change of address, the notice shall be served to the address mentioned in this agreement and shall be treated as properly served.
  3. Entire Agreement:This Agreement constitute the entire Agreement between Merchant and the Find All in One pertaining to the subject matter hereof and supersedes in their entirety all written or oral agreements between the parties.
  4. Severability:If any provision of this Agreement is determined to be unenforceable for any reason, then the remaining provisions hereof shall remain unaffected and in full force and effect.
  5. Variations of Agreement:No variation or amendment to this Agreement shall bind either party unless made in writing and signed by the duly authorized persons/officers of both the parties.
  6. Jurisdiction:It is mutually agreed between the parties hereto that any dispute or claim arising under this Agreement shall be subject to the jurisdiction of the Courts at Mumbai.

ANNEXURE ‘A’

Banned/Prohibited list of Products and Services referred to in this Agreement is as mentioned herein below:-

  1. Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery an d other media); escort or prostitution services; website access and/or website memberships of pornography or illegal sites.
  2. Alcohol which includes Alcohol or alcoholic beverages such as beer, liquor, wine, or champagne.
  3. Body parts which includes organs or other body parts.
  4. Bulk marketing tools which includes email lists, software, or other products enabling unsolicited email messages (spam).
  5. Cable descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free.
  6. Child pornography which includes pornographic materials involving minors.
  7. Copyright unlocking devices which includes Mod chips or other devices designed to circumvent copyright protection
  8. Copyrighted media which includes unauthorized copies of books, music, movies, and other licensed or protected materials
  9. Copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software.
  10. Counterfeit and unauthorized goods which includes replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association; fake autographs, counterfeit stamps, and other potentially unauthorized goods
  11. Drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs like salvia and magic mushrooms
  12. Drug test circumvention aids which includes drug cleansing shakes, urine test additives, and related items
  13. Endangered species which includes plants, animals or other organisms (including product derivatives) in danger of extinction
  14. Gaming/gambling which includes lottery tickets, sports bets, memberships/ enrollment in online gambling sites, and related content
  15. Government IDs or documents which includes fake IDs, passports, diplomas, and noble title.
  16. Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, website, or other protected property.
  17. Illegal goods which includes materials, products, or information promoting illegal goods or enabling illegal acts.
  18. Miracle cures which includes unsubstantiated cures, remedies or other items marketed as quick health fixes.
  19. Offensive goods which includes literature, products or other materials that:
    1. Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors
    2. Encourage or incite violent acts
    3. Promote intolerance or hatred.
  20. Offensive goods, crime which includes crime scene photos or items, such as personal belongings, associated with criminals.
  21. Prescription drugs or herbal drugs or any kind of online pharmacies which includes drugs or other products requiring a prescription by a licensed medical practitioner.
  22. Pyrotechnic devices, combustibles, corrosives and hazardous materials which includes explosives, fireworks and related goods; toxic, flammable, and radioactive materials and substances
  23. Regulated goods which includes air bags; batteries containing mercury; Freon or similar substances/refrigerants; chemical/industrial solvents; government uniforms; car titles; license plates; police badges and law enforcement equipment; lock-picking devices; pesticides; postage meters; recalled items; slot machines; surveillance equipment; goods regulated by government or other agency specifications
  24. Securities which includes stocks, bonds, or related financial products
  25. Tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products
  26. Traffic devices which includes radar detectors/jammers, license plate covers, traffic signal changers, and related products.
  27. Weapons which includes firearms, ammunition, knives, brass knuckles, gun parts, and other armaments
  28. Wholesale currency which includes discounted currencies or currency exchanges
  29. Live animals or hides/skins/teeth, nails and other parts etc of animals.
  30. Multi Level Marketing collection fees
  31. Matrix sites or sites using a matrix scheme approachc
  32. Work-at-home approach and/or Work-at-home information
  33. Any product or service which is not in compliance with all applicable laws and regulations whether federal, state, local or international including the laws of India.
  34. Merchant providing services that have the potential of casting Find All in One and/or Payment System Providers in a poor light and/or that may be prone to ―Buy & Deny‖ attitude of the cardholders when billed (e.g. Adult material/ mature content/Escort services/ friend finders) and thus leading to chargeback and fraud losses.
  35. Businesses or website that operate within the scope of laws which are not absolutely clear or are ambiguous in nature (e.g. Web-based telephony, website supplying medicines or controlled substances, website that promise online match-making).
  36. Businesses out rightly banned by law (e.g. Betting & Gambling/ publications or content that is likely to be interpreted by the authorities as leading to moral turpitude or decadence or incite caste/communal tensions, lotteries/sweepstakes & games of chance.
  37. Merchant who deal in intangible goods/ services (eg. software download/ Health/ Beauty Products), and businesses involved in pyramid marketing schemes or get-rich-quick schemes. Any other product or Service, which in the sole opinion of either Find All in One or Payment System Providers , is detrimental to the image and interests of either of them / both of them, as communicated by either of them/ both of them to Merchant from time to time. This shall be without prejudice to any other terms & conditions mentioned in this Agreement.
  38. Bulk marketing tools which includes email, lists, software, or other products enabling unsolicited email messages (spam).
  39. Web-based telephony/ SMS/Text/Facsimile services or Calling Cards. Bandwidth or Data transfer/ allied services. Voice process /knowledge process services.
  40. Mailing lists.
  41. YOUR USE OF OUR INFORMATION

Except for Posted Information that you submit, all of the information available on or through the Services and/or the Website, including without limitation, text, photographs, graphics and video and audio content, is owned by us and our licensors and is protected by copyright, trademark, patent and trade secret laws, other proprietary rights and international treaties. You acknowledge that the Services and any underlying technology or software used in connection with the Services contain Find All in One’s proprietary information. We give you permission to use the aforementioned content for personal, non-commercial purposes only and do not transfer any intellectual property rights to you by virtue of permitting your use of the Services. You may not copy, distribute, republish (except as permitted in this paragraph), sell, or exploit any of the content, or exploit the Website in whole or in part, for any commercial gain or purpose whatsoever. Except as is expressly and unambiguously provided herein, we do not grant you any express or implied rights, and all rights in the Website and the Services not expressly granted by us to you are retained by Find All in One.

  1. TERMINATION/SUSPENSION OF SERVICE
  • We may suspend or terminate your access to the FAIO Pay Services without notice where it is reasonable for us to do so and specifically if: (i) for any reason we decide to discontinue to provide the FAIO Pay, (ii) we believe that you have breached any of the terms of this Agreement, (iii) your use of the FAIO Pay has been in any way improper or breaches the spirit of this Agreement, (iv) we reasonably believe use of the FAIO Pay may be at risk of fraud or misuse; (v) our information technology infrastructure has failed, is experiencing outages or requires maintenance; or (vi) ordered or recommended to do so by the security services, court or a relevant regulatory authority.
  • Find All in One reserves the right to suspend/discontinue FAIO PAY Services to you at any time, for any cause, including, but not limited, to the following-
    1. For any suspected violation of the rules, regulations, orders, directions, notifications issued by RBI from time to time or for any violation of the terms and conditions mentioned in this document
    2. For any suspected discrepancy in the particular(s), documentation or registration Form provided by you;
    3. To combat potential fraud, sabotage, willful destruction, threat to national security or for any other force majeure reasons etc;
    4. If the same is due to technical failure, modification, upgradation, variation, relocation, repair, and/or maintenance due to any emergency or for any technical reasons.
    5. If the same is due to any transmission deficiencies caused by topographical and geographical constraints/limitations;
    6. If the mobile connection with which your FAIO PAY Services is related ceases to be operational or in your possession or control.
    7. If Find All in One believes, in its reasonable opinion, that cessation/ suspension is necessary.
    8. THIRD PARTY INFORMATION ON THE WEBSITE
  • As some information appearing on the Website is provided to Find All in One by third parties, Find All in One will have no liability in respect of any loss or damage arising from third party information which appears on the Website, including the manner in which the information is displayed or information which may be: Out of date; Inaccurate; Duplication; Impersonation by a person to be another person.
  • All dealings and communication arising from Find All in One’s facilitation of interaction between Merchant and users will be between the Merchant and users only and Find All in One is not responsible in any manner for any communication between the users and the Merchant, and has no liability in respect of such dealings whatsoever. Find All in One is not an agent for any of the Merchants listed on this Website and Find All in One has no responsibility for and no liability whatsoever in respect of the conduct of a Merchant or quality of service provided by a Merchant.
  1. ADDITIONAL T&Cs
  • When you acquire goods, software or any other services from a Merchant Establishment through any of Find All in One’s Services, you understand and agree that, Find All in One is not a party to the contract between you and the Merchant Establishment. Furthermore, Find All in One is under no obligation to monitor the Merchant Establishment’s service used by you; the Merchant Establishment alone will be responsible for all obligations under the contract including (without limitation) warranties or guarantees. Any dispute with or complaint against any Merchant Establishment must be directly resolved by the Customer with the Merchant Establishment. It is clarified that Find All in One shall not be responsible or liable for any deficiency in goods and/or services purchased using FAIO PAY Services. This exclusion of liability shall apply even for goods and/or services made available by Find All in One under promotional schemes. You are instructed to satisfy yourself regarding the quality, quantity and fitness of any good and/or service before purchasing the same.
  • Any amount transferred erroneously by the Customer to any Merchant Establishment shall not be refunded to the Customer by Find All in One in any circumstances.
  • In the event of any dispute, Find All in One records shall be binding as the conclusive evidence of the Transactions carried out through use of FAIO PAY Services.
  • Find All in One shall send all customer communications by SMS and/or email/link and the SMS/link/email shall be deemed to have been received by you after they have been submitted for delivery to the mobile phone operator.
  • You agree to receive all commercial message including transactional messages from Find All in One.
  1. DISCLAIMER:
  • WE MAKE NO WARRANTY, EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE, THE PLATFORM/NETWORK AND SERVICES OFFERED. WE EXPRESSLY DISCLAIM THE IMPLIED WARRANTIES OF NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR ANY PARTICULAR PURPOSE.
  • THE FAIO PAY SERVICES IS PROVIDED “AS IS” “WHERE IS”, “WITH ALL FAULTS” BASIS. WE MAKE NO WARRANTY OR REPRESENTATION, WHETHER EXPRESS OR IMPLIED, IN RELATION TO THE SATISFACTORY QUALITY, FITNESS FOR PURPOSE, COMPLETENESS OR ACCURACY OF THE SERVICE OFFERED THROUGH THE FAIO PAY.
  • WE MAKE NO WARRANTY THAT THE OPERATION OF THE FAIO PAY WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SOFTWARE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR BUGS ,OR REPRESENT THE FULL FUNCTIONALITY, ACCURACY, RELIABILITY OF THE MATERIALS THEREIN.
  1. LIMITATION OF LIABILITY:
  • NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, NEITHER FIND ALL IN ONE, NOR ITS AFFILIATED COMPANIES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES OR ANY RELATED PARTY SHALL HAVE ANY LIABILITY TO USERS OR TO ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY LOSS OF REVENUE OR PROFITS ARISING UNDER OR RELATING TO THESE TERMS, THE SITE OR THE OFFERINGS, EVEN IF ANY OF SAID PARTIES HAD BEEN ADVISED OF, KNEW OF, OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES.
  • TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR MAXIMUM AGGREGATE LIABILITY TO YOU FOR ANY CAUSES WHATSOEVER, AND REGARDLESS OF THE FORM OF ACTION (WHETHER LIABILITY ARISES DUE TO NEGLIGENCE OR OTHER TORT, BREACH OF CONTRACT, VIOLATION OF STATUTE, MISREPRESENTATION OR FOR ANY OTHER REASON), WILL AT ALL TIMES BE LIMITED TO INR ONE HUNDRED (INR 100).
  1. INDEMNITY: You agree to indemnify, defend and hold Find All in One and/or related parties harmless from any and all claims, losses, damages, and liabilities, penalty, costs and expenses, including and without limitation legal fees and expenses, arising out of or related to your use or misuse of the FAIO PAY Services, any breach of these Terms and Conditions, or any breach of the representations, warranties, and covenants made by you.
  2. COMPLIANCE WITH LAW: Find All in One shall comply with the laws as applicable for the time being in force.
  3. CONFIDENTIALITY: You specifically agree that in order to facilitate the provision of FAIO PAY Services, Find All in One may be required to disclose any information or particulars pertaining to you to any authority, statutory or otherwise.
  4. INTELLECTUAL PROPERTY RIGHTS:The Find All in One hereby grants you the non-exclusive, non-transferable right to use our FAIO Pay services in accordance with this Agreement. We, or our licensors, own all right, title and interest, including, but not limited to all copyright, trademark, patent, trade secret or other proprietary rights (“IP Rights”), in and to the website, the Usage Data or FAIO Pay services. You shall not reproduce, distribute, transmit, modify, create derivative works, display, perform or otherwise use the Site, the Platform or any of the IP Rights, or attempt to reverse engineer, decompile, disassemble, or derive the source code for the FAIO Pay to create a competing product. You hereby acknowledge that by using the FAIO Pay services, you obtain no rights in the software, trademarks or content related to the FAIO Pay and you may only use the same in accordance with this Agreement. Unauthorized use is strictly prohibited. All rights are expressly reserved to Find All in One.
  5. SYSTEM COMPLAINTS AND DISPUTE RESOLUTION:For Redressal of disputes/complaints you can email to us at FAIO findallinone1@gmail.com, with brief details of your complaint or call on our hotline No. 7249255759. Our customer service staff will acknowledge and redress your complaint on best effort basis.
  6. ARBITRATION:Any dispute or difference which may arise at any time between the parties, as to the construction, meaning or effect of, or, as to any clause, matter or things contained herein, or as to the rights or liabilities of the parties under this Agreement, shall be referred to arbitration under the Arbitration and Conciliation Act, 1996 (Indian) to be adjudicated by a sole arbitrator to be appointed, at the sole discretion, by Find All in One. Arbitration shall be held at Mumbai, India. The proceeding of arbitration shall be in the English language. The arbitrator’s award shall be final and binding on the Parties. The parties irrevocably agree that the Agreement shall be governed by and construed in accordance with the laws of India and the courts of Mumbai, India, shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this agreement and waive any objection to such personal jurisdiction based on forums non-convenience or any other basis.
  7. FORCE MAJEURE:Find All in One shall not be responsible for any delay in the performance of any terms and conditions hereunder to the extent that such delay is caused by technical issue, server malfunction, war, revolution, riot, act of public enemy, terrorism, sabotage, epidemic, quarantine restrictions, accident, fire flood, tempest, earthquake, civil commotion, governmental action, Acts of God (force majeure ) including, but not restricted to, strike, lock-out, fire, break-down, war, destruction of network, web space or website by way of hacking, virus prone, defacement, stoppage of display or transmission of the website/app of Find All in One, Act, or Regulation, or restriction of Government, inability to secure Government authorization, or approval, or any other cause beyond their reasonable control, including the breakdown of systems and any other causes beyond its reasonable control.