Terms & Conditions
Welcome to ZiniPay. By accessing or using our services, you agree to comply with these Terms and Conditions. Please read them carefully. If you do not agree, please do not use our platform.
1. Service Description
ZiniPay provides a licensed digital payment processing platform that facilitates transactions between merchants and customers through authorized integrations. We do not hold, transfer, or control customer funds directly. Our role is strictly limited to providing a technical gateway.
2. User Responsibilities
Users are solely responsible for the content, legality, and compliance of their websites, products, and business activities. By using ZiniPay, you confirm that your activities do not violate any applicable laws or regulations. Any illegal, fraudulent, or unauthorized use of our platform is strictly prohibited.
3. Prohibited Activities
ZiniPay strictly forbids the use of its services for any unlawful purposes, including but not limited to:
- Gambling, betting, or lottery services not authorized by law
- Fraudulent investment schemes or Ponzi schemes
- Distribution or sale of illegal goods or services
- Money laundering or financing terrorism
- Any activities deemed fraudulent or harmful by ZiniPay at its discretion
Violation of these prohibitions may result in immediate suspension or termination of your account without prior notice.
4. Document Submission & Verification
To access the Payment Link and Landing Page features, you must submit valid government-issued identification documents for verification. Acceptable documents include a clear copy of your Birth Certificate or National ID Card.
Failure to provide the required documents may result in suspension or termination of access to these services.
5. Limitation of Liability
ZiniPay provides the platform "as is" without warranties of any kind, whether express or implied. We disclaim all liability arising from your use of the platform, including but not limited to indirect, incidental, or consequential damages. You acknowledge and agree that you are solely responsible for your business operations, compliance with laws, and any disputes arising from transactions.
6. Indemnification
You agree to indemnify and hold harmless ZiniPay, its affiliates, officers, and employees from any claims, damages, losses, or expenses arising out of your violation of these Terms or any applicable law, or your misuse of the platform.
7. Suspension and Termination
ZiniPay reserves the right to suspend or terminate your access immediately, without prior notice, if we detect any suspicious, illegal, or policy-violating activities. We may also suspend services for maintenance or legal compliance.
8. Referral Program
Participation in the referral program is subject to additional terms. Referral bonuses will only be credited for legitimate users and valid transactions. Fraudulent or abusive activities related to referrals may lead to withholding or reversal of rewards.
9. Changes to Terms
ZiniPay reserves the right to modify these Terms and Conditions at any time. Continued use of the platform after changes constitute acceptance of the updated terms. We recommend reviewing these terms periodically.
10. Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of Bangladesh. Any disputes arising hereunder shall be subject to the exclusive jurisdiction of the courts in Dhaka, Bangladesh.
11. Final Acknowledgement
By using ZiniPay, you acknowledge that you have read, understood, and agreed to be bound by these Terms & Conditions. You accept full responsibility for your use of the platform and agree that ZiniPay shall not be held liable for any illegal, fraudulent, or unauthorized activities conducted through your account.