Terms & Conditions

API Solution Application is developed by Karols Web Solution Private Limited, a company incorporated under the Companies Act, 1956 with its F/3 Gandhi Nagar Tonk Road Jaipur-302015.

This Policy describes how API Solution and its Affiliates/Entities/Subsidiaries/Associates, including but not limited to Karols Web Solution Private Limited, collectively referred to as "API Solution", "we", "our" or "us", collect, store, use and otherwise process your Personal Information.

By downloading and using API Solution, visiting the API Solution website, providing your information or availing our products/services, you expressly agree to be bound by this Privacy Policy and the applicable service/product terms and conditions.

We value the trust you place in us and respect your privacy, maintaining appropriate standards for secure transactions and protection of your personal information.

Personal Information means information that can be linked to a specific individual and includes Sensitive Personal Information where applicable. It excludes information freely available or accessible in the public domain.

Please note that we do not offer any product or service under our Platform outside India. If you do not agree with this Privacy Policy, please do not use or access our Platform.

We may collect your Personal Information when you use our services or Platform or otherwise interact with us during the course of our relationship.

We collect Personal Information that is relevant and necessary for providing the services requested by you and for continually improving the API Solution Platform.

Personal and Sensitive Personal Information collected may include, but is not limited to:

• Name, age, gender, photo and address.
• Phone number and email address.
• Contact and nominee details.
• PAN card number.
• KYC-related information and verification documents.
• Aadhaar information including Aadhaar number or Virtual ID where applicable for e-KYC authentication.
• GST and other business-related information.
• OTP sent by API Solution.
• Balance, transaction history, transaction value, bank account and wallet information.
• Service or transaction-related communications.
• Device identifier, browser information, cookies, IP address and location information.

Information may be collected while visiting the API Solution Platform, registering as a user or merchant, attempting transactions, accessing links, emails, chat conversations, feedback, notifications and surveys.

We and our service providers or business partners may also collect relevant information from third parties or from information legitimately available in the public domain where permitted by applicable law.

API Solution may process your Personal Information for legitimate business and service-related purposes including:

• Creating your account and verifying your identity.
• Providing access to products and services.
• Conducting applicable KYC compliance processes.
• Processing payments and transactions.
• Communicating with you regarding queries and transactions.
• Authenticating transaction requests.
• Improving your user experience.
• Monitoring and reviewing products and services.
• Conducting audits and security checks.
• Detecting fraud, money laundering and criminal activity.
• Enforcing applicable terms and conditions.
• Providing technical support and troubleshooting.
• Identifying security breaches and attacks.
• Resolving disputes and legal requirements.
• Meeting applicable legal and regulatory obligations.

We use data collection devices such as cookies or similar technologies on certain pages of the Platform to help analyse web page flow, measure promotional effectiveness and promote trust and safety.

Cookies are small files placed on your device storage that assist us in providing our services. Cookies do not themselves contain your Personal Information.

Certain features may only be available through the use of cookies or similar technologies. Cookies may also help us provide information targeted to your interests.

Most cookies are session cookies and are automatically deleted from your device at the end of a session.

You may decline or delete cookies if your browser or device permits. However, doing so may affect certain Platform features and may require you to enter your password more frequently.

Third-party cookies may also appear on certain pages of the Platform. We do not control the use of cookies by third parties.

Your Personal Information may be shared as permitted under applicable laws, after appropriate due diligence and in line with the purposes described in this Policy.

We may share Personal Information during transactions with categories of recipients including business partners, service providers, merchants, affiliates, associates, subsidiaries, legally recognised authorities, regulatory bodies, government authorities, financial institutions and authorised internal teams.

Information may be shared on a need-to-know basis for:

• Enabling products and services requested by you.
• Facilitating requested transactions.
• Applicable KYC and authentication processes.
• Compliance with applicable laws and regulations.
• Processing financial product requests.
• Fraud prevention and risk management.
• Communication, analytics and security services.
• Grievance redressal and dispute resolution.
• Legal or governmental requirements.
• Corporate restructuring, merger or acquisition processes.

Where Personal Information is shared with third parties, processing may also be governed by their respective policies and applicable laws.

To the extent applicable, we store Personal Information within India and retain it in accordance with applicable laws and for no longer than required for the purpose for which it was collected.

We may retain information where necessary to prevent fraud, prevent future abuse, comply with legal or regulatory requirements, or for other legitimate purposes.

Once Personal Information reaches its applicable retention period, it shall be deleted in compliance with applicable laws.

API Solution has deployed technical and physical security measures to safeguard users Personal Information and Sensitive Personal Information.

We use appropriate security controls for applicable sensitive information and conduct internal and external reviews to maintain information security controls.

Data in motion and data at rest are protected using appropriate security measures. Databases are stored on servers secured behind firewalls, with password-protected and restricted access.

You should inform us promptly if you suspect that your Personal Information or account credentials have been compromised.

When you use products and services provided by third-party service providers through the API Solution Platform, Personal Information may be collected by those providers and governed by their respective privacy policies.

Our services may include links to other websites or applications. Such websites and applications are governed by their respective privacy policies and are outside our direct control.

Users are advised to review the privacy policies and terms of service of third-party websites before providing any Personal Information.

We process your Personal Information with consent. By using the API Solution Platform or services and/or providing your Personal Information, you consent to the processing of your Personal Information by API Solution in accordance with this Privacy Policy.

If you provide Personal Information relating to other people, you represent that you have the authority to do so and permit us to use the information in accordance with this Privacy Policy.

We provide users with the opportunity to opt out of receiving non-essential promotional or marketing-related communications after setting up an account.

If you want to remove your contact information from our lists or newsletters or discontinue applicable services, please use the unsubscribe option provided in our emails.

You can access and review Personal Information shared by you by placing a request with us.

You may also revoke consent previously provided for applicable e-KYC information. Upon revocation, you may lose access to services that depend upon such consent.

In some circumstances, we may continue to retain information as described under the Storage and Retention section of this Policy.

To raise a request, you may contact us using the contact information provided in the Contact Us section.

If you wish to delete your account or Personal Information, please use the Help section of the API Solution Platform. Retention remains subject to applicable laws.

For security purposes, API Solution may request specific information to confirm your identity and authenticate your request.

We do not knowingly solicit or collect Personal Information from children under the age of 18.

Use of our Platform is available only to persons who can form a legally binding contract under applicable Indian law. If you are under 18 years of age, you should use the Platform under the supervision of your parent, legal guardian or responsible adult.

Since our business may change from time to time, our policies may also change. We reserve the right to change, modify, add or remove portions of this Privacy Policy.

We may reasonably endeavour to notify users of material changes. Users are responsible for periodically reviewing the Privacy Policy for updates.

Continued use of our services or Platform following publication of changes means that you accept and agree to the revisions.

If you have questions, concerns or complaints regarding the processing of your Personal Information or this Privacy Policy, you may contact API Solution through the official contact information available on our website.

Website: www.apisolution.in

We are committed to responding to questions within a reasonable time. Any delay in resolution may be communicated proactively.

The terms "We", "Us", "Our" and "Company" individually and collectively refer to API Solution. The terms "Visitor" and "User" refer to users of the website.

This page states the Terms and Conditions under which you may visit and use this website. Please read this page carefully.

If you do not accept these Terms and Conditions, we request that you exit the website.

The business and its divisions, subsidiaries, associate companies and other investment entities reserve the right to revise these Terms and Conditions at any time by updating this posting.

Users should periodically review this page because the Terms and Conditions are binding on users of this Website.

All logos, brands, marks, headings, labels, names, signatures, numerals, shapes and combinations thereof appearing on this site, except where otherwise noted, are properties owned or used under licence by the business and/or its associate entities.

Use of these properties or any other content on this site, except as specifically permitted by these Terms and Conditions or the site content, is strictly prohibited.

You may not sell, modify, reproduce, display, publicly perform, distribute or otherwise use website materials for any public or commercial purpose without written permission from the respective organisation or entity.

Visitors are prohibited from violating or attempting to violate the security of the website.

• Accessing data not intended for the user or logging into an unauthorised server or account.
• Attempting to probe, scan or test vulnerabilities of a system or network without proper authorisation.
• Attempting to interfere with service to any user, host or network.
• Introducing viruses, Trojan horses or other malicious software.
• Sending unsolicited electronic mail including unauthorised promotions or advertising.

Violations of system or network security may result in civil or criminal liability. The business and its associated entities reserve the right to investigate suspected violations and cooperate with law enforcement authorities where appropriate.

Visitors may not use the Website to transmit, distribute, store or destroy material that:

• Could constitute or encourage conduct considered a criminal offence or violation of applicable law.
• Infringes copyright, trademark, trade secret or other intellectual property rights.
• Violates the privacy or publicity rights of others.
• Is libellous, defamatory, pornographic, profane, obscene, threatening, abusive or hateful.

The User agrees to indemnify and hold harmless, without objection, the Company, its officers, directors, employees and agents from and against claims, actions, demands, liabilities, losses or damages arising from or resulting from the Users use of the Website or breach of these Terms.

User agrees that neither the Company nor its group companies, directors, officers or employees shall be liable for direct, indirect, incidental, special, consequential or exemplary damages resulting from the use or inability to use the service.

This includes damages related to loss of profits, use, data or other intangible losses, procurement of substitute goods or services, or unauthorised access to or alteration of transmissions or data.

The Company shall not be responsible for damages arising from interruption, suspension or termination of service, whether justified or not, negligent or intentional.

The Company shall not be responsible for statements or conduct of third parties using the service.

To the extent permitted by applicable law, the Companys total liability to the User for all damages, losses or causes of action shall not exceed the amount paid by the User to the Company, if any, related to the cause of action.

In no event shall the Company or parties, organisations or entities associated with the corporate brand name be liable for damages including incidental and consequential damages, lost profits, damage to computer hardware, loss of data or business interruption resulting from the use or inability to use the Website or Website materials.

This limitation applies to the extent permitted under applicable law and regardless of whether such organisation or entity was advised of the possibility of such damages.