Terms of Service

Last updated: 31 March 2026

1. Agreement to Terms

These Terms of Service ("Terms") govern your use of the UPAYI.CO website and services (the "Service") operated by ESS ENN Associates ("Company", "we", "our", "us"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

2. Description of Service

UPAYI.CO provides a payment collection facilitation tool that enables users ("Payment Collectors") to collect UPI payments from their clients and customers via an embeddable widget, shareable payment link, QR code, phone number, or UPI handle.

Important: UPAYI.CO does not hold, process, route, or settle any payments. All UPI transactions occur directly between the payer and the Payment Collector through the UPI network and participating banks. UPAYI.CO is not a payment gateway, payment aggregator, or financial intermediary.

3. Eligibility

To use the Service, you must:

• Be at least 18 years of age
• Be a resident of India
• Have a valid UPI handle linked to a bank account
• Have a valid email address linked to your UPI account
• Have the legal capacity to enter into binding agreements

4. Pricing & Fees

UPAYI.CO charges a small fixed monthly subscription fee for access to the Service. The exact fee will be communicated at the time of onboarding.

• No commission is charged on any transaction or payment collected through the Service.
• The monthly fee is non-refundable once the billing cycle has begun, unless otherwise specified in our Refund Policy.
• We reserve the right to change pricing with 30 days' prior notice.

5. User Responsibilities

As a Payment Collector using the Service, you are solely responsible for:

• Legal & Tax Compliance: All legal, tax, and regulatory obligations arising from the payments you collect — including but not limited to GST registration and filing, income tax reporting, TDS compliance, FCRA compliance (for NGOs receiving foreign contributions), and any other applicable laws and regulations.
• Accurate Information: Providing accurate UPI details, phone number, and email address.
• Lawful Use: Using the Service only for lawful purposes. You shall not use the Service for money laundering, fraud, illegal transactions, or any activity prohibited by Indian law.
• Dispute Resolution: Handling all payment disputes, refund requests, and customer complaints with your own clients and customers. UPAYI.CO is not liable for any disputes between Payment Collectors and their clients.

6. Prohibited Activities

You may not use the Service to:

• Collect payments for illegal goods, services, or activities
• Engage in fraudulent, deceptive, or misleading practices
• Violate any applicable laws, regulations, or third-party rights
• Interfere with or disrupt the Service or its infrastructure
• Attempt to gain unauthorised access to the Service
• Use the Service in any way that could damage the reputation of UPAYI.CO or ESS ENN Associates

7. Account Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason, including but not limited to violation of these Terms or suspected illegal activity. You may also terminate your account at any time by contacting us.

8. Intellectual Property

All content, branding, design, and technology of the Service — including the UPAYI.CO name, logo, widget design, and website — are the intellectual property of ESS ENN Associates. You may not copy, reproduce, modify, or distribute any part of the Service without prior written consent.

9. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or secure. We are not responsible for any losses arising from UPI network downtime, bank failures, or third-party service disruptions.

10. Limitation of Liability

To the maximum extent permitted by law, ESS ENN Associates and its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to loss of revenue, profits, data, or business opportunities.

Our total liability for any claim arising from the Service shall not exceed the total fees paid by you in the 3 months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless ESS ENN Associates, its directors, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any applicable law.

12. Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts in the city where ESS ENN Associates is registered.

13. Changes to Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated date. Continued use of the Service after changes constitutes acceptance. Material changes will be communicated via email.

14. Contact

For questions about these Terms, contact:

ESS ENN Associates
Email: legal@upayi.co
Website: essenn.associates