The following Terms and Conditions (“Agreement”) govern your use of the services provided by Concerto Software and Systems Pvt. Ltd (“VegaaH”). By accessing or using the VegaaH service, you agree to be bound by these terms, conditions, and notices without modification.

Introduction

Welcome to VegaaH (Pay Instantly)! At VegaaH, our objective is to create a system that rewards individuals in India who demonstrate high trust and creditworthiness, thereby setting a positive example. Through our platform, you can manage your business, eliminate hidden charges, and operate efficiently even in tier 2, tier 3, and rural areas.

VegaaH is an online marketplace dedicated to business-to-business service providers who accept payments. This includes individuals, freelancers, women working from home, artisanal businesswomen, and others conducting business in tier 2, tier 3, and rural regions. Our services include subscriptions, payment links, payment gateway facilities, and online store solutions that enable faster and more convenient payments.

Merchants may use this platform to conduct business; for example, they can generate invoices and receive payment only when customers settle their bills. The features of the VegaaH invoice mirror those provided by platforms like Zoho Invoice. This platform is offered free of charge and is accessible to a wide range of business users. As software service providers, we operate on a pay-per-transaction model, ensuring that fees are only charged when customers make payments.

Concerto Software and Systems Private Limited is incorporated under the Indian Companies Act, 1956, with its registered office at Building No. 305, 2nd Floor, Sector 2, Millennium Business Park, Mahape, Navi Mumbai - 400 710, and includes its successors and assigns. VegaaH owns and manages the website www.VegaaH.com and associated domains.

VegaaH’s Service (or "the Service") includes:
(i) Payment Aggregator services provided to you; and
(ii) Payment Aggregator services offered to payment methods.
VegaaH.com (or "VegaaH") denotes the website(s) through which the Service is offered via the Internet.

"Member(s)" refers to the eligible customers of the VegaaH Service as authorized by VegaaH.

Acceptance of Terms

Welcome to VegaaH. The service provided to you (“User”) is subject to these Terms of Service, which may be amended by us periodically without prior notice. The most current version of the Terms of Service can be reviewed at any time on this webpage. In addition, when accessing specific VegaaH services, you agree to any additional guidelines or rules posted from time to time, which are hereby incorporated by reference into this Agreement. Except as otherwise stated, any changes, additions, or deletions shall become effective automatically upon their posting on www.VegaaH.com and shall be binding immediately. By continuing to use the service, you consent to these modifications. Should you disagree with any changes, additions, or deletions, you must cease using the VegaaH service, except for those services already availed prior to such modifications. This Agreement forms a separate, binding contract between you and VegaaH and does not modify any other agreement you may have with us.

Furthermore, please note that our Privacy Policy is a separate document and forms an integral part of these Terms. Your acceptance of these Terms signifies that you have read and unequivocally agree to our Privacy Policy.

Provision of Services by VegaaH

VegaaH is continually enhancing its platform to deliver the best possible experience. In using the Service, you acknowledge and consent that changes may be made from time to time without advance notice, and that VegaaH may suspend the services, either temporarily or permanently, at its sole discretion without prior notice. If you decide to discontinue using our services, no further notification is required.

By using this website, you agree that VegaaH reserves the right to disable your account, thereby preventing your access to the Service, your account details, or any content stored therein. Additionally, VegaaH reserves the right to delete any data stored in your account, including sensitive personal information. Alternatively, you may notify us if you wish to have your personal data removed; however, certain services may then be restricted.

By using our Service, you acknowledge that VegaaH disclaims any guarantee regarding the currentness or authenticity of the information provided, which may become outdated over time. VegaaH also reserves the right to modify or correct any website content without prior notice. Except where stated otherwise, all information and images on this website are deemed to be in the public domain for purposes such as publicity or promotional use.

Should you believe that any content on this website infringes on your copyright, please contact us via email with the exact URL of the disputed content so that we may take appropriate remedial action. Note that all images on this website have been digitized by VegaaH, and no other party is authorized to alter or repudiate these digital images without our express written permission.

Eligible Customers

To access and use the Service, you must be an individual aged 18 years or older capable of entering into legally binding contracts, or a corporation, trust, association, or firm authorized to do so. In the case of entities, the person executing this Agreement on behalf of the entity represents that they are duly authorized to bind the entity. If you do not meet these criteria, you must refrain from accessing or using the VegaaH service.

If you are not a resident of India, you may access, use, and avail of the VegaaH service only to the extent permitted by the laws of India and your country. Your use of the service is solely at your risk, and you agree to indemnify VegaaH for any liabilities incurred due to any contravention of local laws by your use of the service.

Use of Services

In order to use certain services, you may be required to create an account by providing your personal information during registration. You affirm that the information provided at the time of registration is accurate and complete. Should any information be inaccurate or incomplete, VegaaH reserves the right to terminate your account or refuse access to the website.

By using the Service, you agree to indemnify VegaaH against any claims arising from the use of any information or details provided by you. VegaaH retains the right to remove any information supplied by you without prior notice.

By accessing the "User Account" section on the website, you are permitted to modify or rectify your registration details or delete your account at any time. Please note that while the account deletion process may take some time to complete, VegaaH will maintain a backup of your information as required by law and for operational purposes.

You are solely responsible for maintaining the confidentiality of your password and account details, as well as for all activities that occur under your account. VegaaH shall not be liable for any loss or damage resulting from a failure to secure your password or account. It is your duty to take appropriate measures to safeguard your password, and you must immediately notify us if you suspect any unauthorized use. In the event of a dispute over account ownership, VegaaH’s decision shall be final and binding.

Furthermore, you grant VegaaH a non-exclusive, irrevocable, royalty-free license to use your registration data for purposes of ensuring that your rights in that data are not infringed upon now or in the future.

You are solely responsible for any information that you post or supply, and you agree not to publish, transmit, host, display, modify, update, or share any information that:

Use of VegaaH (Application Usage)

When using our App, you represent and warrant that:

Your use of the App complies with all applicable laws and meets the eligibility criteria as set forth above

All registration information you submit is accurate, complete, and current, and you agree to update your account information as necessary

You are solely responsible for all activity under your account, and unless explicitly permitted by VegaaH in writing, you may maintain only one account

The App and its content are intended for personal use only; by using the App Services, you acknowledge responsibility for all transactions processed through your account

Your non-commercial use of the App prohibits you from reverse engineering, decompiling, disassembling, or otherwise attempting to extract any proprietary information, including but not limited to copyright, trademarks, trade secrets, designs, or patents

You shall not use the App in any manner that could disrupt its operation or harm its content

The App Services shall not be used for commercial purposes or in any manner that violates the law or harms VegaaH or any third party

You agree not to post or transmit any harmful software or computer files that may damage the App or interfere with its proper functioning

You will not delete or alter any legal notices, disclaimers, or proprietary information contained within the App

Your continued use of the App indicates your consent to receive automatic updates, including bug fixes, patches, and new versions, for the purpose of ensuring the effective delivery of the App Services.

You further agree:

To use the Service solely for purposes permitted by these Terms and applicable laws

That VegaaH reserves the right to remove or modify any information on its website, and you will promptly inform us of any such information you encounter that may be in error or disrupt the service

To use the data provided by VegaaH exclusively for personal purposes unless otherwise agreed in writing

Not to access the Service by any means other than through the interface provided by VegaaH

Not to replicate, sell, or otherwise redistribute the Service without explicit written permission

To bear sole responsibility for any breach of these obligations, and acknowledge that VegaaH will not be liable to you or any third party for such breaches

To notify us immediately if a customer revokes consent for recurring payment instructions, understanding that any delay may result in charges for which VegaaH will not be held accountable and

That your data may be shared with governmental agencies authorized to investigate and protect cybersecurity matters.

Member conduct

As a condition of using the Service, you warrant that you will not use the Service for any unlawful purpose or in any manner prohibited by these Terms. You agree to comply with all applicable local, state, national, and international laws, and you accept full responsibility for any acts or omissions.

It is your responsibility to understand and comply with the laws of your jurisdiction, including the RBI Guidelines on Payment Aggregators, the Payment and Settlement Systems Act, 2007, the Prevention of Money Laundering Act, 2002, RBI Master Direction – KYC, the Information Technology Act, 2000, and any related regulations that may apply to your use of the Service.

VegaaH is not obligated to monitor your use of the Service; however, it reserves the right to review, retain, and disclose any information as required to comply with legal, regulatory, or governmental requests.

Links

a.The Service may contain links to third-party websites or resources ("Linked Sites"). Since VegaaH does not control these external sites, you acknowledge that VegaaH is not responsible for their availability or the content, advertising, products, or services offered therein. Any business dealings or transactions with such third parties are solely between you and the respective third party, and VegaaH is not liable for any loss or damage arising from such interactions. The inclusion of any link does not imply any affiliation with or endorsement of the Linked Site.

Disclaimers

YOU EXPRESSLY ACKNOWLEDGE THAT:

1. Your use of the Service is entirely at your own risk. The Service is provided "as is" and "as available" without any warranties, express or implied, including but not limited to warranties of accuracy, continuity, uninterrupted access, timeliness, sequence, quality, merchantability, fitness for a particular purpose, non-infringement, or completeness. VegaaH disclaims any warranties that cannot be excluded, restricted, or modified under applicable law

2. VegaaH makes no representations regarding the compatibility, correctness, or reliability of the Service; and you assume full responsibility for your use of the Service

3. Any material downloaded or otherwise obtained through the use of the Service is done so at your own risk, and you are solely responsible for any damage to your computer system or loss of data resulting from such download

4. No advice or information, whether oral or written, obtained from VegaaH shall create any warranty not explicitly stated in this Agreement

5. Although VegaaH employs security measures deemed appropriate for offering the Service, it does not guarantee that unauthorized access will not occur, and VegaaH shall not be held liable for any such breach. You are responsible for safeguarding your account credentials

6. This disclaimer extends to any injury or damage arising from any failure of performance, delay, error, omission, interruption, deletion, defect, or any unauthorized access or alteration of data or transactions transmitted through the Service

7. VegaaH is not responsible for unauthorized access to or alteration of your transmissions or data, or for any third-party content transmitted through the Service.

Limitation of Liability

You acknowledge and agree that VegaaH shall not be liable for any direct, indirect, punitive, incidental, special, or consequential damages, including without limitation damages for loss of profits, goodwill, data, or other intangible losses, even if VegaaH has been advised of the possibility of such damages. This limitation applies regardless of whether the claim is based on contract, tort, negligence, or any other legal theory.

Notices

All notices to VegaaH shall be deemed duly given if sent by email or delivered by hand or regular mail to the address provided by you. VegaaH may also post notices regarding changes to these Terms or other matters on the Service. Such notices shall have the same legal effect as personal service. Notices will be considered served seven (7) days after posting or upon actual receipt in the case of hand delivery or electronic transmission.

VegaaH may be required to provide certain disclosures and notifications as mandated by law or as part of its transaction processes. You agree to receive these disclosures electronically. If you do not wish to receive such notices electronically, you must notify VegaaH immediately; otherwise, VegaaH reserves the right to discontinue the Service.

Record Keeping

You acknowledge that VegaaH is not obligated to maintain a record of transactions or to provide you with transaction verification data beyond statutory requirements. You agree to evaluate and assume all risks associated with the use of any content or data available through the Service.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of India. You and VegaaH hereby submit to the exclusive jurisdiction of the courts in Mumbai, India, for any disputes arising under these Terms. VegaaH disclaims any liability for non-compliance with the laws of any jurisdiction other than India. Accessing the Service from outside India does not imply that foreign laws govern this Agreement.

General Provisions

Section headings are provided solely for convenience and do not affect the interpretation of any provision.

VegaaH may engage agents or subcontractors to perform its obligations under this Agreement and may assign its rights and obligations to any entity.

The Service will operate during the hours specified by VegaaH; any payment instructions received after the designated time shall be considered received on the next business day.

The Service is subject to guidelines issued by the Reserve Bank of India from time to time.

Printed copies of this Agreement or any electronic notice shall be admissible in legal proceedings to the same extent as original documents.

Language, Copyright, and Trademarks

This Agreement and all related documents are executed in the English language.

All content provided through the Service is protected by copyright and is the property of VegaaH.

VegaaH’s services, trademarks, and logos are either registered or unregistered trademarks of VegaaH or their respective owners.

No rights are granted to you in relation to these trademarks, except as expressly provided herein.

Violations

Any violations of these Terms should be reported to our designated Grievance Officer using the contact details provided below:

Nodal Officer

Mr. Manish Mer

Building No. 305, 2nd Floor, Sector 2, Millennium Business Park, Mahape, Navi Mumbai - 400 710

Email: nodalofficer@concertosoft.com

PAYMENT GATEWAY & PAYMENT AGGREGATOR SERVICES

VegaaH is engaged in providing payment gateway and aggregator services as prescribed by the Reserve Bank of India. These services include, without limitation, the design and development of payment system infrastructure (both online and offline) as per the Payment System Act, 2007; the handling, processing, and settlement of payment-related transactions; resolution of disputes between parties; and facilitation of digital payment acceptance through solutions such as prepaid services, Point of Sale (PoS) terminals, Quick Response (QR) codes, and various electronic payment modes. VegaaH enables you to receive payments through secure payment options available on their platforms and mobile applications.

Indemnity

You agree to indemnify, defend, and hold harmless VegaaH, its parent and subsidiary companies, affiliates, officers, agents, and employees from any and all claims, demands, losses, liabilities, damages, or expenses (including reasonable attorney fees) arising out of or in connection with:

Disclaimer

The App Services, including all associated content, software, functions, materials, and information provided or accessible via the Service, are offered "as is" without any warranty of any kind. VegaaH, its agents, co-branders, or partners do not warrant the uninterrupted, timely, or error-free operation of the Service, nor do they guarantee that any defects will be corrected or that the Service is free of harmful components such as computer viruses.

You acknowledge that any payment transaction is solely between the Sender (the User initiating the payment) and the Recipient (the User receiving the payment), and that VegaaH does not guarantee the performance or compliance of any User with these terms. You assume all risks arising from any non-compliance by other Users and are advised to perform appropriate due diligence prior to initiating transactions.

Limitation of Liability

In no event shall VegaaH, its officers, owners, directors, employees, agents, partners, co-branders, licensors, or any other associated parties be liable to you or any third party for any special, incidental, indirect, consequential, or punitive damages, including without limitation damages for loss of data, profits, goodwill, or other intangible losses, regardless of whether such liability arises under contract, tort, negligence, or any other legal theory, even if VegaaH has been advised of the possibility of such damages.

Notice

All communications or notices to VegaaH shall be sent via email or delivered personally or by mail to the address you have provided. Notices posted on the website shall be deemed to have the same legal effect as individual notices. Any notice shall be considered served seven (7) days after posting or upon receipt when delivered by hand, cable, telex, internet, or facsimile.

VegaaH may also be required to provide certain electronic disclosures and notifications as mandated by law or as part of its transaction processes. You hereby consent to receive such notices electronically; if you wish to opt out, you must notify VegaaH immediately, understanding that doing so may result in discontinuation of the Service.

Data Protection and Security

Security Measures

VegaaH shall implement industry-standard security protocols to protect the integrity, confidentiality, and availability of data transmitted through its systems. However, VegaaH shall not be held liable for any breach, hacking, or unauthorized access resulting from factors beyond its control.

Merchant’s Obligations

You shall be solely and fully responsible for maintaining the confidentiality and security of its account credentials, including but not limited to usernames, passwords, API keys, access tokens, and any other means of authentication used to access VegaaH’s platform or related services. You agree to implement and maintain appropriate technical and organizational measures to safeguard such credentials against unauthorized access, disclosure, loss, or misuse. Any unauthorized use of your account or any breach of security resulting from your failure to implement adequate safeguards shall be your sole responsibility. VegaaH shall not be liable for any loss, damage, or liability arising from such incidents. You further agree to immediately notify VegaaH of any suspected or actual breach of its account security and to fully cooperate with any investigation or remedial action initiated by VegaaH in response to such breach. The customer data shall be your sole responsibility and VegaaH shall not be liable for any breach of Customer data. You shall indemnify and hold VegaaH, its parent and subsidiary companies, affiliates, officers, agents, and employees harmless from any and all claims, demands, losses, liabilities, damages, or expenses (including reasonable attorney fees) arising out of any such data breach.

Data Privacy

Both parties agree to adhere to all applicable data protection laws. You agree to give consent to VegaaH for processing its data in accordance with the Privacy Policy available on the VegaaH website.

Compliance with Payment Network Guidelines

You shall comply with any additional guidelines or operational procedures issued by the relevant Card Payment Networks. Failure to adhere to these guidelines may result in penalties or suspension of the Service, for which you will be solely responsible.

Transaction Reporting and Disclosures

You agree to submit timely and accurate reports on all transactions processed through the Service as required by VegaaH or regulatory authorities. You shall maintain all relevant records for the duration specified by applicable laws and Reserve Bank of India’s applicable guidelines.

Force Majeure

VegaaH shall not be held liable for any delay or failure in the performance of its obligations under this Agreement if such delay or failure arises from or is attributable to a Force Majeure Event. A Force Majeure Event shall include, but not be limited to, any act, event, or circumstance beyond the reasonable control of VegaaH, whether foreseeable or not, including acts of God, natural disasters, floods, earthquakes, fires, pandemics, epidemics, acts of war, terrorism, civil unrest, labor disputes, cyberattacks, failures of internet or telecommunication networks, actions or omissions of governmental or regulatory authorities, or failure of third-party service providers essential to the delivery of services. In the event of a Force Majeure, VegaaH shall be excused from the performance of its obligations for the duration of such event and shall not be liable for any loss, damage, or claim arising therefrom. VegaaH shall make reasonable efforts to resume performance once the Force Majeure Event ceases; however, it shall not be under any obligation to do so within a specific time frame, nor shall any delay entitle the user to any form of compensation or remedy.

Refunds and Cancellations

Refunds

Refunds for transactions shall be processed in accordance with requests initiated by you. The same shall be processed in accordance to the guidelines mandated by regulator, card schemes, NPCI and any applicable payment network rules. You shall be responsible for informing the refund process to your customers and you must adhere to VegaaH’s dispute resolution procedures in case of any refund claims that do not reflect in your customers statement of the original payment instrument.

Cancellation of Transactions

Requests to cancel transactions must be submitted to VegaaH within the timeframe specified in its guidelines. VegaaH reserves the right to reject cancellation requests that do not meet the specified time frame.

Dispute Resolution Procedure

Internal Resolution

In the event of any dispute or disagreement arise in connection with any payment transaction processed through the Service, you shall first notify VegaaH in writing with all relevant details. VegaaH will make reasonable efforts to resolve the dispute amicably within a reasonable time period.

Contact

For any inquiries, complaints, or claims regarding the Service, please contact us at checkin@vegaah.com. Our physical address is available at VegaaH.com/contact. Please note that VegaaH shall not be held liable for any loss or damage arising directly or indirectly from declined authorizations due to customers exceeding preset limits agreed with our acquiring bank.

SCHEDULE I

BANNED PRODUCT CATEGORIES

You hereby undertake and agree that you shall not offer, sell, promote, or otherwise deal in any products or services that are classified as prohibited, banned, or restricted under applicable laws, regulations, regulatory guidelines, or as prescribed hereinbelow under this Schedule by VegaaH, the Reserve Bank of India (RBI), or any other competent authority from time to time. You shall be solely responsible for ensuring compliance with below mentioned list of prohibited product categories, and any breach thereof shall constitute a material breach of this Agreement, entitling VegaaH to suspend or terminate the Services forthwith and take any other actions as may be deemed appropriate.