APIMall's Terms of Use

1. Introduction and Acceptance

1.1 Agreement

Welcome to APIMall. These Terms of Use ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "Partner," "Customer," "you," or "your") and APIMall, operated through the website apimall.in ("APIMall," "Company," "we," "us," or "our").

1.2 Nature of Business

APIMall operates as an Application Programming Interface (API) aggregator and reseller platform. We procure APIs from various third-party vendors ("Vendors") and make them available to our partners and customers ("Partners") for integration into their applications and services.

1.3 Acceptance of Terms

By accessing, browsing, or using the APIMall website or any of our API services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must immediately discontinue use of our services.

1.4 Capacity to Contract

By entering into this Agreement, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding contracts under the Indian Contract Act, 1872
• If acting on behalf of an organization, you have the authority to bind that organization to these Terms

2. Definitions

For the purposes of this Agreement:

• "API" means Application Programming Interface, including all associated documentation, SDKs, and related materials.
• "API Key" means the unique authentication credential issued to Users for accessing API services.
• "API Call" or "API Request" means each individual request made to an API endpoint.
• "Documentation" means technical specifications, integration guides, and usage instructions provided for APIs.
• "Downstream User" means any end-user or customer of a Partner who indirectly uses APIMall APIs through the Partner's application.
• "Fair Use" means usage patterns consistent with normal business operations as determined by APIMall.
• "Partner" means any individual or entity that purchases or uses API services from APIMall.
• "Service Level Agreement" or "SLA" means the performance commitments outlined in Section 8.
• "Vendor" means third-party API providers from whom APIMall procures API services.

3. Services and Scope

3.1 Services Provided

APIMall provides access to various APIs including but not limited to:

• Financial and Banking APIs
• KYC and Verification APIs

3.2 Service Availability

Services are provided on an "as-is" and "as-available" basis, subject to the SLA commitments outlined in Section 8.

3.3 Right to Modify Services

APIMall reserves the right to modify, suspend, or discontinue any API service with prior notice as specified in Section 19.

4. Registration and Account

4.1 Account Creation

To access our services, you must create an account by providing accurate and complete information including:

• Legal name (individual or business)
• Valid email address
• Contact number
• Business registration details (for companies)
• GST registration number (if applicable)
• PAN details (for KYC compliance)

4.2 Account Security

You are solely responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Immediately notifying APIMall of any unauthorized access or security breach
• Ensuring API Keys are stored securely and not shared publicly

4.3 Account Verification

APIMall reserves the right to verify your identity and business credentials through KYC procedures as mandated under applicable Indian laws including the Prevention of Money Laundering Act, 2002 (PMLA).

5. API License and Usage Rights

5.1 License Grant

Subject to your compliance with these Terms and payment of applicable fees, APIMall grants you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use the APIs solely for your internal business purposes
• Integrate APIs into your applications
• Make API calls within your subscribed quota

5.2 License Restrictions

You shall NOT:

• Sublicense, resell, or redistribute APIs without written authorization from APIMall
• Reverse engineer, decompile, or disassemble any API or related technology
• Use APIs to create competing products or services
• Exceed usage limits or circumvent rate limiting mechanisms
• Use APIs for any unlawful purpose
• Share, publish, or expose API Keys publicly
• Use automated systems to abuse API quotas

5.3 Intellectual Property

All intellectual property rights in the APIs, Documentation, and APIMall platform remain with APIMall and/or the respective Vendors. This Agreement does not transfer any ownership rights.

6. Acceptable Use Policy

6.1 Prohibited Uses

You agree NOT to use APIMall services for:

• Any activity that violates Indian laws or regulations
• Transmission of malware, viruses, or malicious code
• Unauthorized access to systems or data
• Spamming, phishing, or fraudulent activities
• Activities that infringe third-party intellectual property rights
• Money laundering or financing of illegal activities
• Bulk SMS/communications in violation of TRAI regulations
• Collection of personal data without proper consent under DPDP Act 2023
• Any purpose that may bring disrepute to APIMall

6.2 Compliance Requirements

You must comply with:

• Information Technology Act, 2000 and its amendments
• Digital Personal Data Protection Act, 2023 (DPDP Act)
• Prevention of Money Laundering Act, 2002 (if applicable)
• RBI regulations (for financial APIs)
• TRAI regulations (for communication APIs)
• UIDAI guidelines (for Aadhaar-based services)
• All other applicable Indian laws and regulations

6.3 Data Protection Obligations

When processing personal data through our APIs, you must:

• Obtain valid consent from data principals as required under DPDP Act 2023
• Process data only for lawful purposes
• Implement appropriate security measures
• Honor data subject rights including right to erasure
• Notify APIMall immediately of any data breach

7. API Usage Limits and Fair Use

7.1 Usage Quotas

API usage is subject to the quotas specified in your subscription plan. Quotas may include:

• Daily/Monthly API call limits
• Requests per second (rate limiting)
• Data transfer limits
• Concurrent connection limits

7.2 Rate Limiting

To ensure fair access for all users, APIs may be subject to rate limiting. Exceeding rate limits may result in temporary blocking of requests (HTTP 429 errors).

7.3 Fair Use Policy

APIMall operates a Fair Use Policy. Usage patterns that significantly deviate from normal business operations, as determined by APIMall, may be investigated and may result in:

• Temporary service suspension
• Requirement to upgrade to a higher tier
• Account termination for egregious violations

7.4 Overage Charges

If your usage exceeds subscribed quotas, overage charges may apply as specified in your pricing plan.

8. Service Level Agreement (SLA)

8.1 Uptime Commitment

APIMall commits to a target uptime of 99.5% for core API services, calculated on a monthly basis.

Uptime % = ((Total Minutes in Month - Downtime Minutes) / Total Minutes in Month) × 100

8.2 Origin Source Downtime

APIMall sources APIs from third-party Origin Sources (Vendors). In the event of any downtime, outage, or service disruption from the Origin Source side:

• APIMall shall promptly inform the Customer about the Origin Source downtime through email, dashboard notification, or other appropriate communication channels
• APIMall shall NOT be held responsible or liable for any downtime, service disruption, or unavailability caused by the Origin Source
• The Customer acknowledges that APIMall has no control over the uptime, availability, or performance of Origin Source APIs
• APIMall's responsibility is limited to notifying Customers and coordinating with the Origin Source for resolution

8.3 Non-Billable Hits During Origin Source Downtime

During periods of Origin Source downtime or unavailability:

• API calls made during the downtime period shall NOT be counted as billable hits
• Failed API requests due to Origin Source unavailability will be excluded from the Customer's usage quota
• APIMall will adjust the billing accordingly for the affected time period
• Customers may request a usage report showing excluded non-billable hits during downtime periods
• The determination of downtime periods shall be based on APIMall's monitoring systems and logs

8.4 Exclusions from Uptime Calculation

The following are excluded from APIMall's uptime calculations:

• Scheduled maintenance (with 48 hours prior notice)
• Force majeure events
• Issues caused by Origin Source/Vendor API providers
• Issues arising from User's systems or networks
• Suspension due to User's breach of Terms
• Third-party infrastructure failures beyond APIMall's control

9. Fees and Payment

9.1 Pricing

API services are provided on a paid subscription basis. Current pricing is available on our website and may vary based on:

• API type and tier
• Usage volume
• Subscription duration
• Enterprise arrangements

9.2 Payment Terms

• All fees are payable in Indian Rupees (INR)
• Payment is due in advance for subscription plans
• Pay-as-you-go charges are billed monthly in arrears
• Payment methods: UPI, Net Banking, Credit/Debit Cards, Bank Transfer

9.3 Taxes

All fees are exclusive of applicable taxes. You are responsible for:

• Goods and Services Tax (GST) at prevailing rates
• Any other applicable taxes or duties
• Withholding taxes (if applicable)

APIMall will provide GST-compliant invoices.

9.4 Late Payment

• Late payments attract interest at 1.5% per month
• Services may be suspended after 15 days of non-payment
• Accounts may be terminated after 30 days of non-payment

9.5 Payment Gateway

All payments are processed through secure third-party payment gateways. By making payments, you agree to the payment processor's terms. APIMall does not store your payment card information.

10. Refunds and Cancellation

10.1 Cancellation by User

• You may cancel your subscription at any time through your account dashboard or by emailing business@apimall.in
• Cancellation takes effect at the end of the current billing period
• No prorated refunds for unused portion of subscription period

10.2 Non-Refundable Items

The following are non-refundable:

• API calls already consumed
• Setup or onboarding fees
• Custom development charges
• Services accessed or utilized

10.3 Termination by APIMall

APIMall may terminate or suspend services immediately for:

• Breach of these Terms
• Non-payment of fees
• Fraudulent or illegal activity
• Violation of Acceptable Use Policy
• Request by law enforcement

11. Vendor Terms and Third-Party Services

11.1 Vendor APIs

APIs provided through APIMall may be sourced from third-party Vendors. Your use of such APIs may also be subject to:

• Vendor-specific terms and conditions
• Vendor privacy policies
• Vendor acceptable use policies

11.2 Vendor Changes

APIMall reserves the right to change API Vendors without prior notice, provided substantially similar functionality is maintained.

11.3 No Warranty for Vendor Services

APIMall does not warrant or guarantee Vendor API performance, accuracy, or availability beyond the commitments in Section 8.

11.4 Pass-Through Liability

For issues arising directly from Vendor APIs, APIMall's liability is limited to passing through any remedies obtained from the Vendor.

11.5 Vendor Data Accuracy and Accountability

APIMall sources API data and services from third-party Vendors in good faith. In the event that any Vendor provides inaccurate, incorrect, misleading, or erroneous data or information through their APIs:

• The concerned Vendor shall be solely responsible for any damages, losses, claims, or liabilities arising from such inaccurate or wrong data
• APIMall shall not be held liable for any consequences resulting from incorrect information provided by Vendors
• APIMall acts solely as an intermediary and does not independently verify the accuracy of data provided by Vendors
• Users acknowledge that APIMall has no control over the data generated or provided by Vendor APIs
• Any claims related to data accuracy shall be directed to the respective Vendor, and APIMall shall assist in facilitating communication where reasonably possible
• APIMall reserves the right to discontinue any Vendor's APIs upon discovery of persistent data accuracy issues

12. Customer Misuse and Liability

12.1 Customer Responsibility for API Usage

The Customer/Partner shall be solely and entirely responsible for any and all consequences arising from:

• Misuse, abuse, or improper use of APIMall APIs
• Any unlawful, illegal, or unauthorized activities conducted using APIMall services
• Violation of any applicable laws, regulations, or third-party rights through API usage
• Any harm caused to third parties, end-users, or Downstream Users through the Customer's application or services

12.2 Sole Liability of Customer

In the event of any misuse or wrongful use of APIMall APIs by the Customer, the Customer agrees and acknowledges that:

• The Customer shall bear sole and complete liability for all damages, losses, penalties, fines, legal costs, and claims arising therefrom
• APIMall shall be fully indemnified and held harmless from any such liability
• APIMall shall not be responsible for any direct, indirect, incidental, consequential, or punitive damages resulting from Customer's misuse
• The Customer shall defend APIMall against any legal proceedings initiated by third parties due to Customer's actions

12.3 Examples of Misuse (Non-Exhaustive)

Customer misuse includes but is not limited to:

• Using APIs for fraudulent transactions, identity theft, or financial crimes
• Sending spam, phishing messages, or unsolicited communications via Communication APIs
• Conducting unauthorized KYC verification or identity checks
• Violating data protection laws or mishandling personal data
• Using APIs to harm, harass, or deceive end-users
• Circumventing security measures or exploiting API vulnerabilities
• Reselling or redistributing APIs without authorization
• Using APIs for any purpose prohibited under Indian law

12.4 Consequences of Misuse

Upon detection or report of API misuse, APIMall may:

• Immediately suspend or terminate the Customer's account without prior notice
• Withhold any refunds or pending payments
• Report the matter to appropriate law enforcement authorities
• Pursue legal action to recover damages and costs
• Cooperate with authorities in any investigation against the Customer

12.5 Customer Acknowledgment

By using APIMall services, the Customer expressly acknowledges and agrees that:

• They understand the legal implications of API misuse
• They accept full responsibility for all activities under their account
• They will ensure their employees, agents, and Downstream Users comply with these Terms
• APIMall's role is limited to providing API access and does not extend to monitoring Customer's end-use

13. Disclaimers and Warranties

13.1 AI and Machine Learning Disclaimer

The Customer acknowledges and agrees that:

• Many APIs provided by APIMall utilize Artificial Intelligence (AI) and Machine Learning (ML) models, whose output is probabilistic in nature and not guaranteed to be accurate
• Services provided under this Agreement shall under no circumstances be construed or deemed to be a due diligence (legal or otherwise) of any individual, person, customer, or end-user
• APIMall shall not be held liable or responsible for any document, information, or other details of any individual/person/end-user forwarded by the Customer as being accurate, true, correct, or otherwise
• The Customer shall be solely responsible for further evaluation of the accuracy of AI/ML-based Services, including but not limited to employing human review and verification
• APIMall is not providing any advice or recommendation for the Customer to onboard any individual/end-user or to enter into any type of transaction (monetary or otherwise) with any individual/end-user
• The Customer shall make their own independent decisions based on their own evaluation and shall not rely solely on APIMall's AI/ML outputs

13.2 "As-Is" Service

EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS, APIMALL PROVIDES SERVICES ON AN "AS-IS" AND "AS-AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

13.3 Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, APIMALL DISCLAIMS ALL WARRANTIES INCLUDING:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or reliability of results
• Uninterrupted or error-free service

13.4 No Guarantee of Results

APIMall does not guarantee that:

• Services will meet your specific requirements
• Services will be uninterrupted, timely, or error-free
• Results obtained will be accurate or reliable
• Defects will be corrected

13.5 Third-Party Dependency Disclaimer

The Customer is aware, understands, and agrees that Services provided by APIMall via its platform and APIs are subject to the availability of certain services and/or websites maintained by third parties including but not limited to:

• Banks and financial institutions
• Government agencies and regulatory bodies
• Hosting service providers
• Telecom operators
• Data providers and verification agencies

APIMall shall in no event be liable for any non-availability of Services caused due to delays, errors, interruptions, loss, damage, or non-availability of services and/or websites provided or maintained by these third parties. APIMall does not warrant prior notice commitment of such delays or interruptions but may, on a best-effort basis, inform the Customer about such instances as and when it comes to APIMall's knowledge.

14. Limitation of Liability

14.1 Exclusion of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL APIMALL, ITS DIRECTORS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY:

• Indirect, incidental, special, or consequential damages
• Loss of profits, revenue, or business
• Loss of data or data breach costs
• Loss of goodwill or reputation
• Costs of procurement of substitute services

14.2 Maximum Liability

APIMALL'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR SERVICES SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO APIMALL IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE CLAIM.

14.3 Essential Purpose

THE LIMITATIONS IN THIS SECTION SHALL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

14.4 Statutory Rights

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable Indian law, including liability for fraud or willful misconduct.

15. Indemnification

15.1 Your Indemnification Obligations

You agree to indemnify, defend, and hold harmless APIMall, its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• Your use of APIMall services
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your infringement of third-party rights
• Actions of your Downstream Users
• Data breaches resulting from your negligence
• Any misrepresentation made by you

15.2 Indemnification Process

APIMall will:

• Promptly notify you of any claim
• Allow you to control the defense (subject to APIMall's approval of counsel)
• Provide reasonable cooperation at your expense

APIMall reserves the right to participate in the defense at its own expense.

16. Dispute Resolution

16.1 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

16.2 Informal Resolution

Before initiating formal dispute resolution, parties agree to attempt informal resolution by:

• Sending written notice of the dispute to the other party
• Engaging in good faith negotiations for 30 days
• Escalating to senior management if initial discussions fail

16.3 Jurisdiction

Subject to the arbitration clause, courts in Surat, Gujarat, India shall have exclusive jurisdiction over any disputes.

16.4 Injunctive Relief

Notwithstanding the above, either party may seek injunctive or other equitable relief from competent courts to protect intellectual property rights or confidential information.

17. Confidentiality

17.1 Confidential Information

"Confidential Information" includes:

• API documentation and technical specifications
• Pricing and business terms
• User data and usage statistics
• Any information marked as confidential
• Trade secrets and proprietary information

17.2 Obligations

Both parties agree to:

• Maintain confidentiality of the other party's Confidential Information
• Use Confidential Information only for purposes of this Agreement
• Not disclose to third parties without prior written consent
• Protect Confidential Information with reasonable security measures

17.3 Exceptions

Confidentiality obligations do not apply to information that:

• Is publicly available through no fault of the receiving party
• Was known to the receiving party prior to disclosure
• Is independently developed without use of Confidential Information
• Is required to be disclosed by law or court order

17.4 Duration

Confidentiality obligations survive termination of this Agreement for a period of three (3) years.

18. Data Protection and Privacy

18.1 Privacy Policy

Your use of APIMall services is also governed by our Privacy Policy, available at apimall.in/privacy-policy, which is incorporated into these Terms by reference.

18.2 Data Controller/Processor

For personal data processed through APIs:

• You act as the Data Fiduciary (Controller) for your end users' data
• APIMall acts as a Data Processor on your behalf
• Processing is limited to providing the contracted services

18.3 Data Security

APIMall implements appropriate technical and organizational measures including:

• Encryption of data in transit and at rest
• Access controls and authentication
• Regular security assessments
• Incident response procedures

18.4 Data Localization

Where required by Indian law, personal data of Indian citizens shall be stored within India.

19. Modifications to Terms

19.1 Right to Modify

APIMall reserves the right to modify these Terms at any time. Modifications will be effective upon:

• Posting updated Terms on our website

19.2 Continued Use

Your continued use of services after modifications constitutes acceptance of the updated Terms.