Terms & Conditions – Gairik Consultancy Pvt. Ltd.

Last Updated: 18 August 2025

Welcome to Gairik Consultancy Pvt. Ltd. (“we,” “our,” “us”). By accessing our website or using our consultancy, fintech, IT, or eCommerce services, you (“you,” “client,” “user”) agree to comply with and be bound by these Terms and Conditions. Please read them carefully before proceeding.

1. Scope of Services

We provide a range of services, including but not limited to:

  • Business Consultancy: Strategic, financial, and legal consultancy for startups and enterprises.
  • Fintech Solutions: Payment gateway integrations, POS, wallets, UPI QR, API banking, and compliance-driven financial services.
  • IT & Software Development: Custom software, eCommerce platforms, gaming platforms, and ERP solutions.
  • Digital Transformation: Strategic, financial, and legal consultancy for startups and enterprises.
  • Business Consultancy: Business process automation, AI-powered systems, and end-to-end digital infrastructure.

Specific service deliverables, pricing, and timelines will be defined in individual contracts, proposals, or service agreements

2. Eligibility & User Responsibilities

  • You must be at least 18 years old to use our services.
  • You agree to provide accurate, complete, and up-to-date information during registration or onboarding.
  • You are responsible for maintaining the confidentiality of account credentials, API keys, and passwords.
  • You agree not to misuse our services for fraudulent, unlawful, or unethical activities.

3. Payments, Billing & Refunds

  • All payments must be made in accordance with the terms mentioned in the respective service contract or invoice.
  • Fees are non-refundable unless otherwise explicitly stated in writing.
  • Taxes, government levies, or applicable GST are the responsibility of the client.
  • Late payments may result in suspension of services or additional charges.
  • Subscription-based services (e.g., recurring payment gateways, SaaS solutions) will auto-renew unless cancelled in writing.

4. Intellectual Property Rights

  • All trademarks, logos, software, documents, and content developed by Gairik Consultancy remain our exclusive property.
  • Clients receive limited, non-transferable rights to use deliverables only for their intended business purpose.
  • Unauthorized reproduction, resale, or redistribution of our solutions is strictly prohibited.
  • Any custom software or platforms developed for a client may include open-source or third-party integrations governed by their respective licenses.

5. Compliance & Regulatory Obligations

  • We operate in compliance with PCI DSS, RBI, and other relevant regulations to ensure data security and lawful financial operations.
  • Clients are responsible for adhering to local laws, regulations, and licensing requirements in their region.
  • We reserve the right to suspend or terminate services if a client’s activities violate compliance norms or involve high-risk/fraudulent activities.

6. Service Availability & Limitations

  • While we strive to provide uninterrupted services, we do not guarantee 100% uptime. Technical issues, maintenance, or third-party failures may cause delays.
  • We are not liable for downtime caused by internet outages, cyberattacks, government restrictions, or force majeure events.
  • Certain services may depend on third-party providers (banks, payment processors, hosting providers). Their terms may apply in addition to ours.

7. Limitation of Liability

To the maximum extent permitted by law:

  • We are not responsible for indirect, incidental, or consequential damages, including loss of profits, data, or business opportunities.
  • Our liability in any case will be limited to the total fees paid by the client for the service in question.
  • We do not assume liability for regulatory changes, unforeseen government actions, or risks beyond our control.

8. Confidentiality & Data Protection

  • All Parties agree to maintain the confidentiality of business, financial, and technical information exchanged during engagements.
  • We adopt industry-standard security practices, including encryption, firewalls, and secure data storage.
  • We do not share client data with unauthorized third parties without consent, except as required by law.

9. Termination of Services

We may suspend or terminate services immediately if:

  • You breach these Terms & Conditions.
  • Payment obligations are not fulfilled.
  • Your business activities are deemed fraudulent, illegal, or non-compliant.

Upon termination, all outstanding invoices must be settled, and licensed rights to use our intellectual property shall cease.

10. Dispute Resolution & Governing Law

  • Any disputes arising shall first be attempted to be resolved amicably through mutual discussion.
  • If unresolved, disputes will be subject to arbitration under the Arbitration and Conciliation Act, 1996.
  • These Terms are governed by the laws of India, and courts in Kolkata shall have exclusive jurisdiction.

11. Updates to Terms

We may revise these Terms & Conditions from time to time. Continued use of our services after updates indicates acceptance of the revised terms.

12. Contact Information

For queries or concerns regarding these Terms & Conditions, contact us at:
📧 info@gairik.in
🌐 www.gairik.in