Finnigo is a service, including but not limited to Finnigo.com (the “Website”) and software applications accessible therein (the “Applications”) owned by Finnigo (“we”, “us”, “our”).
User is an individual or business entity that wishes to use Finnigo Services, termed as (“you”, “your”, “Yours”).
A customer is an individual or Business entity that buys products and services from the user, termed as (“Customer”).
Third Parties are individuals and business entities whose services are supposed to be integrated by the user termed as (“Third-Party”, “Third-party service provider”).
By accessing and using our Services, you agree to be bound by these Terms of Use. IF YOU DO NOT AGREE TO ALL OF THE TERMS AND CONDITIONS CONTAINED IN THESE TERMS OF USE, DO NOT ACCESS & USE THE FINNIGO WEBSITE AND ITS SERVICES IN ANY MANNER. We reserve the right to limit or terminate your access to our services if you do not comply with these Terms of Use.
We reserve the right, at its sole discretion, to change, modify, update, add, or remove portions of the Terms of Use at any time, with or without notice to you. Please check these Terms of Use periodically for changes. Your continued use of our services after the posting of any changes to the Terms of Use means that you have accepted those changes.
We provide an online invoicing platform and Checkout Everywhere solution for businesses, including Payment Integrations and Expense recording (“Service” or “Services”). You may use our Services for your personal and business use or for internal business purposes in the organization that you represent. You may connect to the Services using any Internet browser supported by the Services. You are responsible for obtaining access to the Internet and the equipment necessary to use the Services.
You need to sign up for a user account by providing all required information to access or use the Services. You agree to (i) provide true, accurate, current, and complete information about yourself and your business as prompted by the sign-up process; and (ii) maintain and promptly update the information provided during sign-up to keep it true, accurate, current, and complete. If you provide any information that is untrue, inaccurate, outdated, or incomplete, or if Finnigo has reasonable grounds to suspect that such information is untrue, inaccurate, outdated, or incomplete, Finnigo may terminate your user account and refuse current or future use of any or all of the Services.
Users should comply with the policies and only sell such products & services which are not prohibited, banned, or restricted (Fully or Partially) by various local and international card schemes (like VISA, MasterCard, Union Pay, PayPak, etc..), Mobile Wallets (like PayPal, Payoneer, Easypaisa, Jazz Cash, etc..), internet payment gateway providers (Domestic & International), State bank of Pakistan and all relevant regulatory bodies within Pakistan.
Finnigo has enlisted prohibited businesses/ items for the user’s reference below:
Any activities that are illegal or involve illegal goods or services. Counterfeit or unauthorized goods.
Pornography and other explicit adult content.
Sale of illegal drugs or prescription drugs without a valid prescription. Drug paraphernalia.
Online gambling and betting.
High-risk industries such as telemarketing, travel services, and some financial services may face restrictions.
Sale of firearms, ammunition, and explosives.
Sale of tobacco products including e-cigarettes.
Pyramid schemes or businesses that operate as MLM.
Businesses promoting hate speech, discrimination, or illegal activities.
Businesses that engage in deceptive billing practices.
Furthermore, the above-listed items/businesses are not conclusive. The RCU (Risk & Compliance Unit) of Finnigo is the final decision maker to allow or reject rights to offer our services to anyone at any point in time.
Where any transaction in respect of a User’s goods or services is being processed, Finnigo shall show the goods or services as being sold by the User and not by Finnigo. The User acknowledges and agrees that Finnigo operates independently of the User and under no circumstances functions as a seller, buyer, dealer, middleman, manufacturer, broker agent, or User of the User’s product or services and Finnigo makes no representations or warranties and does not ensure the quality, safety or legality of any User product or service.
Customers will be given one or more payment options in the use of the Finnigo Services such as making payments electronically or paying cash on delivery. In case a Customer wishes to pay electronically such payment shall be made through a third-party payment services provider on behalf of the User. In the event the Customer chooses to pay cash on delivery, it shall be the User’s responsibility to arrange for collection of cash on delivery.
Finnigo does not offer any kind of price discounts, coupon codes, or promotional prices on behalf of users’ products & Services being sold on Finnigo Platform(s). Finnigo reserves the right to use, reproduce, modify, adapt, publish, translate, create, and distribute any content that the User provides. The contract of sale in respect of any Transaction processed on the Finnigo Platform shall be exclusively between the User and the Customer on terms proposed by the User and Finnigo shall not be a party to such contract. Finnigo shall not be responsible for, resolving or mediating any disputes between the User and a Customer, unless explicitly set out in the Agreed Terms or agreed between the Parties involved. The User shall ensure that the terms of the Customer Contract do not conflict with the provisions of the Agreed Terms.
Finnigo Services integrates with many third-party services such as payment gateway companies, banks, financial apps, digital wallets, etc… Access and use of the third-party services may require acceptance of terms of service and privacy policies applicable to such Third-Party service providers. You are responsible for reading and understanding the Third-Party Terms before accessing or using any Third-Party Services. You acknowledge and agree that Finnigo is not liable for any Third-Party Service providers. While we will try to provide you with advance notice, whenever reasonably possible, you acknowledge and agree that Finnigo may, at any time and in our sole discretion, and without any notice to you, suspend, restrict, or disable access to or remove from Finnigo Services, any Third-Party services, without any liability to you, including without limitation for any loss of profits, revenue, data, goodwill or other intangible losses.
The Services are available under Free and subscription plans. Subscription payments can be made via Bank transfer, Wallet Payment, Debit & Credit Cards. Paying accounts will be billed/charged upon completion of the account creation process. Service of the Applications is billed in advance on a monthly basis and is non-refundable. There will be no refunds or credits for partial months of service, upgrade/downgrade refunds, or refunds for months unused with an open account. For equality, no exceptions will be made.
Your subscription will be automatically renewed at the end of each subscription period unless you downgrade your paid subscription plan to a free plan or inform us that you do not wish to renew the subscription. At the time of automatic renewal, the subscription fee will be charged only on the Credit Card last used by you. We provide you the option of changing the details if you would like the payment for the renewal to be made through a different payment option or Credit Card.
If you do not wish to renew the subscription, you must inform us at least seven days before the renewal date. If you have not been downgraded to a free plan and if you have not informed us that you do not wish to renew the subscription.
you will be presumed to have authorized Finnigo to charge the subscription fee to you. Upon Failing in cancellation communication and in case of non-payment, Finnigo reserves the right to terminate your account effective immediately and We will not be liable for any data loss, pending tasks or any financial & non-financial loss to you or your business.
From time to time, we may change the price of any Service or charge for use of Services that are currently available free of charge. Any increase in charges will not apply until the expiry of your current billing cycle. You will not be charged for using any Service unless you have opted for a paid subscription plan.
All fees are exclusive of all taxes, levies, or duties imposed by taxing authorities, and you shall be responsible for payment of all such taxes, levies, or duties.
Finnigo reserves the right to terminate your account effective immediately and We will not be liable for any data loss, pending tasks, or any financial & non-financial loss to you or your business. We reserve the right to terminate inactive user accounts as well for a continuous period of 120 days. In the event of such termination, all data associated with such user account will be deleted. The data deletion policy may be implemented concerning any or all of the Services. Each Service will be considered an independent and separate service to calculate the period of inactivity. In other words, activity in one of the Services is not sufficient to keep your user account in another Service active.
Finnigo’s Privacy Policy governs the personal information you provide to Finnigo through the Service. Your election to use the Service indicates your acceptance of the terms of the Finnigo Privacy Policy. You are responsible for maintaining the confidentiality of your username, password, and other sensitive information. We are not responsible for any loss or damage to you or any third party incurred as a result of any unauthorized access and/or use of your user account, or otherwise.
You are solely responsible for getting Go-Live approval from third-party service providers such as Payment service providers, Mobile Wallets, Banks, and Govt. Institutions. You are also liable to maintain the confidentiality of your Payment test key and live keys for integrations. In case of any failure or loss, Finnigo is not liable to you.
You are solely responsible for applicable fees by third parties due to integration with the third-party services and applications, including, but not limited to fees associated with payment processing and applicable govt. taxes.
You are solely responsible for obtaining authorization, including, but not limited to Debit &Credit Card, Mobile Wallets, or Bank Payments from any customers or clients whose payment information is collected or processed through the Applications. Finnigo is not liable for any error or omission in representation transactional status like Paid or Declined on our platform.
Finnigo is merely displaying transactional responses on our platform for which is directly associated with the third-party response codes. In case of any misrepresentation of transaction status or service failure, we will not be responsible for any financial & non-financial loss to you or your business.
You are solely responsible for processing any refunds or reversals and resolving disputes or chargebacks that arise as a result of payment collected from third parties through third-party payment service providers.
You are solely responsible for complying with any local laws, regulations, or enforceable rules, including, but not limited to laws regarding taxation, reporting, data integrity, and authorization, for any payments collected or processed through the Applications.
Finnigo is not responsible for any disputes or resolutions thereof regarding any payments processed through the Applications or third-party integrations with the Applications.
Finnigo is not responsible for any issues that may arise due to third-party integration with the Applications, including, but not limited to unavailability, unexpected reversals, failed charges, and other technical issues.
You are solely responsible for properly canceling your account. An email or phone request to cancel your account is not considered cancellation. You can cancel your account at any time from within your account site.
Any or all of your data will be permanently removed from our system upon account cancellation or account closure. This removal cannot be reversed. The data that is removed cannot be restored. We reserve the right to preserve any or all of the data in a non-restorable form.
If you cancel your plan before the end of your current paid month, your cancellation will take effect immediately and you will not be charged again. You will not receive a refund for unused time.
We, in our sole discretion, have the right to suspend or terminate your account and refuse any current or future use of the Applications, or any other service, for any reason at any time. Such termination of the Applications will result in the deactivation or deletion of your Account or your access to your Account, and the forfeiture and relinquishment of all data in your Account. We reserve the right to refuse service to anyone for any reason at any time.
We claim no intellectual property rights over the material you provide to the Applications.
The Applications and all source code including HTML, CSS, JavaScript, PHP, and images, features, and functionalities are copyright © FINNIGO
You expressly understand and agree that using the services is at your sole risk. The services are provided on an as-is-and-as-available basis. Finnigo expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of Useability and fitness for a particular purpose. Finnigo makes no warranty that the services will be uninterrupted, timely, secure, or error-free. Use of any material downloaded or obtained through the use of the services shall be at your own discretion and risk and you will be solely responsible for any damage to your computer system, mobile telephone, wireless device, or data that results from the use of the services or the download of any such material. No advice or information, whether written or oral, obtained by you from Finnigo, its employees, or representatives shall create any warranty not expressly stated in the agreement.
You agree that Finnigo shall, in no event, be liable for any consequential, incidental, indirect, special, punitive, or other loss or damage whatsoever or for loss of business profits, business interruption, computer failure, loss of business information, or other loss arising out of or caused by your use of or inability to use the service, even if Finnigo has been advised of the possibility of such damage. In no event shall Finnigo’s entire liability to you.
You agree to indemnify and hold harmless Finnigo, its officers, directors, employees, suppliers, and affiliates, from and against any losses, damages, fines, and expenses (including attorney’s fees and costs) arising out of or relating to any claims that you have used the Services in violation of another party’s rights, in violation of any law, in violations of any provisions of the Agreement, or any other claim related to your use of the Services, except where such use is authorized by Finnigo.
The governing law and jurisdiction that will apply in case of any dispute or lawsuit arising out of or in connection with this Agreement is Pakistan.
MODIFICATION OF TERMS OF SERVICE
Finnigo reserves the right to modify these Terms of Service at any time. We will notify you of any major changes by posting the new Terms of Service on this page. You are advised to review this page periodically for any changes. Changes to these Terms of Service are effective when they are posted on this page. By continuing to access or use our Service after any revisions become effective, you agree to be bound by the updated terms. If you do not agree to the new terms, please stop using the Service.
