Terms & Conditions

1. Acceptance of Terms

By accessing and using SIVO.one and its associated APIs, portals, and services (collectively, the "Platform"), provided by SIRAV INDIA LLP, you agree to comply with and be bound by these Terms & Conditions. If you do not agree, please do not use the Platform.

2. Eligibility

To use SIVO services, you must be a registered business entity in India, complete our KYC/KYB onboarding process, and comply with all applicable RBI, NPCI, and UIDAI guidelines.

3. Services Provided

SIVO provides technology infrastructure for processing BBPS, AePS, Domestic Money Transfer, UPI QR payments, and other financial services. SIVO acts as a technology service provider and aggregator.

4. User Responsibilities

• You must maintain the confidentiality of your API keys and account credentials.
• You agree not to use the Platform for any illegal, fraudulent, or unauthorized purpose.
• You are responsible for obtaining explicit consent from your end-customers before initiating any transaction (e.g., biometric auth for AePS).

5. Fees and Settlements

Transaction fees, commissions, and settlement cycles (T+0, T+1) are governed by the specific commercial agreement signed during onboarding. SIVO reserves the right to deduct fees directly from the settlement amount.

6. Limitation of Liability

SIRAV INDIA LLP shall not be liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, data, or goodwill, arising out of your use of the Platform or network failures beyond our control (e.g., bank downtime).

7. Governing Law

These terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.