This Disclaimer (“Disclaimer”) governs your use of the payment solutions services (“Services”) offered by Praket Consultancy (“Company,” “We,” “Us,” or “Our”). By accessing or using our website, mobile application, APIs, or other related services, you (“User,” “You,” or “Your”) agree to the terms outlined below.

No Guarantee of Uninterrupted Service

• We strive to keep our Services accessible at all times, but continuous or error-free access cannot be guaranteed.
• Service interruptions may occur due to:
• Scheduled maintenance or updates
• Technical failures
• Factors beyond our control

Payment Processing

• We act solely as a payment intermediary between merchants and their customers.
• We are not responsible for the quality, legality, safety, or delivery of products or services purchased via our gateway. All disputes must be resolved between the buyer and merchant directly.
• Payment delays or declines may occur due to:
• Bank or network outages
• Insufficient funds
• Fraud detection or risk management measures
• Compliance with regulatory requirements

Compliance with Laws

• Our Services comply with applicable Indian laws, including:
• Digital Personal Data Protection Act, 2023 (DPDP Act)
• Information Technology Act, 2000
• RBI Guidelines
• Users are responsible for ensuring that their use of the Services also complies with relevant laws and regulations.

No Financial or Legal Advice

• Any content or information provided through our Services is for general informational purposes only.
• It does not constitute financial, legal, or tax advice.
• Users should consult a qualified professional before making any financial, legal, or tax-related decisions.

Third-Party Links and Integrations

• Our platform may contain links to external websites, applications, or services.
• We do not control or endorse these third parties and are not responsible for their content, practices, or policies.

Security and User Obligations

• We implement strong security measures to protect user data.
• Complete protection against unauthorized access, cyberattacks, or hacking cannot be guaranteed.
• Users are responsible for:
• Safeguarding login credentials
• Protecting payment and financial information
• Managing personal data shared while using the Services

Limitation of Liability

• To the maximum extent permitted by law:
• We are not liable for any direct, indirect, incidental, consequential, or special damages arising from the use of our Services.

Our total liability related to any transaction is limited to the transaction fees paid for that specific transaction.