📄 Legal Document

Terms of Service

Please read these terms carefully before using our services.

Effective Date: 19 February 2026
These terms were last updated on 19 February 2026. Continued use of our services constitutes acceptance.
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Section 01
About Us
Annapurna Consultancy provides financial technology services including payment gateway integration, API services, recharge & bill payment solutions, and business consultancy services in India.
Section 02
Eligibility
  • You must be at least 18 years of age
  • You must provide accurate and complete information
  • You must comply with all applicable Indian laws and regulations
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Section 03
Use of Services
You agree not to misuse our services, APIs, or infrastructure. Any illegal, fraudulent, or unauthorized activity may result in immediate suspension or termination without notice.
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Section 04
Payments & Transactions
All transactions are processed through authorized banking and payment partners. Annapurna Consultancy is not responsible for delays, failures, or errors caused by banks, networks, or third-party service providers.
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Section 05
API Usage
  • APIs are provided on an "as-is" basis
  • API credentials must be kept confidential
  • Reverse engineering or resale is strictly prohibited
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Section 06
Compliance & KYC
Users must comply with RBI guidelines, KYC norms, AML policies, and NPCI regulations where applicable. Non-compliance may lead to suspension or termination of services.
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Section 07
Intellectual Property
All content, software, APIs, logos, and documentation belong to Annapurna Consultancy. Unauthorized use, reproduction, or distribution is strictly prohibited.
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Section 08
Limitation of Liability
Annapurna Consultancy shall not be liable for indirect, incidental, or consequential damages, including loss of business, data, or revenue arising from use of our services.
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Section 09
Termination
We reserve the right to suspend or terminate access to our services at any time for legal, security, or compliance reasons without prior notice.
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Section 10
Privacy Policy
Please review our Privacy Policy to understand how we collect, process, and protect your personal information.
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Section 11
Governing Law
These Terms are governed by the laws of India. Jurisdiction shall lie exclusively in Odisha, India for all disputes arising out of or in connection with these Terms.