Legal

Terms & Conditions

Effective Date: 5 September 2026

Our Services

HBT Fintech provides technology and API infrastructure designed to help businesses integrate financial and verification capabilities into their applications and platforms.

User Responsibilities

• Users and business customers must provide accurate, complete, and up-to-date information during registration, onboarding, KYC/KYB verification, API integration, or while using our services.
• Customers are responsible for ensuring that all information, documents, and data submitted through our APIs are lawfully obtained and submitted with the necessary authorization or consent, wherever applicable.
• Customers must use HBT Fintech APIs and services only for legitimate and lawful business purposes and in compliance with applicable laws, regulations, and regulatory requirements.
• Customers must not misuse our APIs, attempt unauthorized access, bypass security controls, exceed applicable API limits, or interfere with the normal operation of our platform.
• API keys, credentials, access tokens, and other authentication details must be kept confidential and secure. Customers are responsible for activities performed through their credentials.
• Customers must not reverse engineer, copy, modify, resell, redistribute, or commercially exploit our APIs, SDKs, documentation, or platform without prior written authorization from HBT Fintech.
• Customers are responsible for obtaining and maintaining all necessary licenses, approvals, permissions, and user consents required for their use of our services.

Intellectual Property

All intellectual property associated with the HBT Fintech platform, including website content, logos, trademarks, API documentation, software, source code, SDKs, APIs, dashboards, designs, product names, graphics, and technology, is owned by or licensed to HBT Fintech Pvt. Ltd.

No customer or third party may copy, reproduce, modify, distribute, reverse engineer, publish, or commercially exploit any part of our platform, APIs, documentation, or technology without prior written permission from HBT Fintech.

Use of our APIs does not transfer ownership or intellectual property rights to the customer.

Pricing & Payments

• Pricing for APIs and services will be communicated through applicable commercial proposals, subscription plans, order forms, invoices, or service agreements.
• API usage charges may be based on transactions, API calls, subscriptions, monthly commitments, or other agreed commercial models.
• Payment terms shall be governed by the applicable commercial agreement or invoice.
• All applicable GST, taxes, duties, and statutory charges shall be charged in accordance with applicable Indian laws.
• HBT Fintech reserves the right to modify its pricing or commercial terms with appropriate notice, subject to the applicable agreement with the customer.

API Integration & Service Delivery

HBT Fintech provides fintech technology and API infrastructure to enable businesses to integrate financial, verification, and related services into their applications and platforms.

API integration timelines may depend on:

• Customer-side development and configuration
• API documentation and technical requirements
• KYC/KYB and business onboarding
• Testing and certification requirements
• Customer approvals and information
• Third-party service availability
• Regulatory or compliance requirements

Any delay caused by incomplete information, delayed approvals, technical issues at the customer’s end, or third-party dependencies may affect the expected implementation timeline.

Third-Party Services & Dependencies

Our platform may integrate with or depend upon banks, payment gateways, payment service providers, credit information providers, KYC/verification providers, government/authorized databases, networks, and other third-party technology or financial service providers.

HBT Fintech does not guarantee uninterrupted availability, accuracy, processing time, or performance of services that depend upon such third parties.

Any outage, downtime, service interruption, change in API availability, network failure, regulatory restriction, or technical issue originating from a third-party provider may affect the availability of the corresponding service.

HBT Fintech will make reasonable efforts to assist customers in identifying and resolving issues arising from third-party dependencies.

Account, API & Data Security

Customers are responsible for maintaining the confidentiality and security of their:

• Login credentials
• API keys
• Access tokens
• Passwords
• Authentication information
• Webhooks and integration credentials

Customers must immediately notify HBT Fintech if they suspect unauthorized access, credential compromise, data leakage, or misuse of their account or API credentials.

HBT Fintech implements reasonable technical and organizational safeguards to protect its platform and systems. However, no internet-based system can guarantee absolute security or uninterrupted availability.

Customers are also responsible for implementing appropriate security measures within their own applications, servers, systems, and infrastructure.

Data Protection & Privacy

HBT Fintech may process business, technical, transaction, verification, and other information necessary to provide its services.

Customers are responsible for ensuring that they have the appropriate legal basis, authorization, and consent to collect, process, transmit, verify, or otherwise use personal or financial information through our APIs.

Customers must not submit information to HBT Fintech that they are not legally authorized to collect or process.

All personal information shall be handled in accordance with our Privacy Policy and applicable data protection and privacy laws.

Financial & Regulatory Compliance

Customers are responsible for ensuring that their use of HBT Fintech services complies with all applicable laws, regulations, guidelines, and regulatory requirements.

Where applicable, services such as KYC, credit information, eNACH/mandates, payments, payouts, and account verification may be subject to requirements imposed by banks, regulated entities, payment networks, credit information companies, government authorities, or other applicable institutions.

HBT Fintech may restrict, suspend, or discontinue access to a service where required for legal, regulatory, security, compliance, or risk-management reasons.

Limitation of Liability

To the maximum extent permitted under applicable law, HBT Fintech Pvt. Ltd. shall not be liable for indirect, incidental, special, consequential, or third-party losses arising from the use or inability to use our website, APIs, platform, or services.

HBT Fintech shall not be responsible for losses arising from circumstances outside its reasonable control, including third-party service failures, banking or payment network issues, internet or telecommunications failures, regulatory actions, government restrictions, cyber incidents, or force majeure events.

Specific liability provisions may be governed by a separate agreement entered into between HBT Fintech and the customer.

Suspension & Termination

HBT Fintech reserves the right to suspend, restrict, or terminate access to its website, dashboard, APIs, or services where:

• The customer violates these Terms & Conditions.
• Fraudulent, unauthorized, or unlawful activity is suspected.
• Required KYC/KYB or compliance requirements are not completed.
• API credentials or systems are compromised.
• The customer misuses the platform or APIs.
• Suspension is required by a bank, regulated entity, service provider, network, government authority, or applicable law.
• Continued access creates security, operational, financial, or regulatory risk.

Where reasonably practicable, HBT Fintech may provide notice before suspension or termination, except where immediate action is required.

Changes to These Terms

HBT Fintech may update or modify these Terms & Conditions from time to time to reflect changes in our services, technology, business practices, security requirements, or applicable laws and regulations.

Updated Terms will be published on this website with a revised effective date.

Continued use of our website, APIs, platform, or services after the updated Terms become effective shall constitute acceptance of the revised Terms, to the extent permitted by applicable law.

Disclaimer

HBT Fintech Pvt. Ltd. is a technology and fintech API service provider that provides infrastructure and technology solutions to businesses.

Unless expressly stated otherwise, HBT Fintech does not represent itself as a bank, financial institution, credit information company, payment system operator, or other regulated entity.

Certain services available through our platform may be provided by or depend upon third-party providers or regulated entities. Such services remain subject to the applicable provider’s terms, eligibility criteria, regulatory requirements, and availability.

Governing Law & Jurisdiction

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India.

Any disputes arising in connection with these Terms or the use of our services shall be subject to the jurisdiction of the competent courts in Nagpur, Maharashtra, unless otherwise agreed in writing.

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