Disclaimer Policy

1. General Disclaimer

The information contained on the TreatyPay website and through our services is provided by BAGUVIX TECHNOLOGIES PRIVATE LIMITED on an "as is" basis. To the fullest extent permitted by law, this Company excludes all representations, warranties, obligations, and liabilities arising out of or in connection with the information, content, materials, and functions on this website and our services.

2. Website Content Disclaimer

The information on this website is provided in good faith and for general guidance only. We make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the website.

Under no circumstances shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the website or reliance on any information provided on the website.

3. Service Availability Disclaimer

3.1 Uptime and Accessibility

While we strive to maintain continuous service availability, we do not guarantee that:

• Our services will be available 24/7 without interruption
• The website or services will be error-free or virus-free
• Defects will be corrected immediately
• All features will function perfectly at all times

3.2 Maintenance and Updates

Our services may be temporarily unavailable due to:

• Scheduled maintenance activities
• System upgrades and improvements
• Emergency technical fixes
• Third-party service provider issues

4. Financial Disclaimers

4.1 Payment Processing

TreatyPay acts as a payment facilitator and technology provider. We are not responsible for:

• The quality, safety, or legality of products or services sold by merchants
• Merchant's ability to fulfill orders or deliver services
• Disputes between merchants and customers
• Merchant's compliance with applicable laws and regulations
• Tax implications of transactions processed through our platform

4.2 Transaction Risks

Users acknowledge that payment processing involves inherent risks including but not limited to:

• Chargebacks and payment disputes
• Fraudulent transactions
• Technical failures during processing
• Regulatory changes affecting payment methods
• Currency fluctuation risks (for international transactions)

5. Third-Party Services Disclaimer

Our platform may integrate with or rely on third-party services including:

• Banking partners and financial institutions
• Payment gateways and processors
• KYC and verification service providers
• Cloud infrastructure providers
• Analytics and monitoring services

We disclaim any responsibility for the performance, availability, or reliability of these third-party services.

6. Regulatory Compliance Disclaimer

6.1 Merchant Responsibilities

Merchants are solely responsible for:

• Compliance with all applicable laws and regulations
• Obtaining necessary licenses and permits
• Maintaining proper business records
• Filing appropriate tax returns and payments
• Adhering to industry-specific regulations

6.2 Regulatory Changes

We cannot guarantee that our services will always comply with future regulatory changes. Users are responsible for monitoring regulatory developments that may affect their use of our services.

7. Security Disclaimer

7.1 Data Security

While we implement industry-standard security measures, we cannot guarantee:

• Absolute security of data transmission over the internet
• Complete protection against all cyber threats
• Prevention of all unauthorized access attempts
• 100% accuracy of fraud detection systems

7.2 User Security Responsibilities

Users are responsible for:

• Maintaining the confidentiality of login credentials
• Using strong passwords and enabling two-factor authentication
• Monitoring their accounts for suspicious activities
• Implementing appropriate security measures on their end

8. Performance and Accuracy Disclaimer

We do not warrant that:

• All transactions will be processed successfully
• Settlement times will always meet stated timeframes
• Reporting and analytics data will be 100% accurate
• Our services will meet all your specific business requirements
• Integration with your systems will be seamless

9. External Links Disclaimer

Our website may contain links to external websites that are not provided or maintained by us. We do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites. Links to external websites do not constitute an endorsement of their content or services.

10. Communication Disclaimer

While we strive to provide timely and accurate communications:

• Email and SMS notifications may be delayed or fail to deliver
• System-generated messages may contain technical errors
• Customer support response times may vary based on query complexity
• Important updates should be verified through multiple channels

11. Integration and API Disclaimer

For merchants using our APIs and integration tools:

• API availability and performance may vary
• Breaking changes will be communicated but may still impact integrations
• Developers are responsible for proper implementation and testing
• We are not liable for losses due to integration issues

12. Professional Advice Disclaimer

The information provided through our services should not be considered as:

• Legal advice or guidance
• Financial or investment advice
• Tax or accounting advice
• Business strategy recommendations

Users should consult with qualified professionals for specific advice related to their business needs.

13. Limitation of Liability

In no event shall BAGUVIX TECHNOLOGIES PRIVATE LIMITED, its directors, employees, partners, agents, suppliers, or affiliates be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from use or inability to use our services
• Any damages exceeding the amount paid by you for our services in the 12 months preceding the claim

14. Changes to Disclaimer

We reserve the right to modify this disclaimer at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after any changes constitutes acceptance of the new disclaimer.

15. Contact Information

If you have any questions about this disclaimer, please contact us:

Last updated: May 10, 2025