This Disclaimer (“Statement”) governs the use of transaction facilitation services (“Services”) offered by Exotic Informative (“Company,” “We,” “Us,” or “Our”). By accessing or utilizing our website, mobile platforms, APIs, or associated tools, you (“User,” “You,” or “Your”) confirm that you have read, understood, and agreed to the terms described below.

Service Availability

Although we strive to maintain continuous accessibility to our Services, we do not warrant that access will be uninterrupted, fully secure, or free from errors at all times. Temporary service interruptions may arise due to system maintenance, upgrades, technical malfunctions, or events beyond our reasonable control.

Transaction Facilitation

Our role is limited to enabling transaction processing between sellers and their customers.

We do not assume responsibility for the authenticity, quality, safety, legality, fulfillment, or delivery of goods or services obtained through transactions facilitated via our platform. Any disagreements or claims related to such transactions must be addressed directly between the purchaser and the respective merchant.

Transaction requests may be postponed, restricted, or rejected for reasons including, but not limited to, banking network issues, insufficient balances, risk assessment triggers, compliance obligations, or regulatory instructions.

Legal and Regulatory Adherence

We operate in accordance with applicable Indian regulations, including the Digital Personal Data Protection Act, 2023, the Information Technology Act, 2000, relevant Reserve Bank of India directions, and recognized data security standards applicable to electronic transactions.

Users are solely responsible for ensuring that their activities conducted through our Services remain compliant with all relevant laws, rules, and regulatory requirements.

No Professional Guidance

Any material, content, or information made available through our platform is provided solely for general reference purposes and does not constitute financial, legal, or taxation guidance. Users should seek independent professional advice before making decisions involving financial or legal implications.

External Platforms and Services

Our Services may include references or access points to third-party websites, tools, or service providers. We neither control nor endorse these external entities and disclaim any responsibility for their content, policies, operations, or business practices.

Data Protection and User Obligations

We employ commercially reasonable safeguards to protect user information and system integrity. However, absolute protection against unauthorized access, cyber intrusions, or digital attacks cannot be assured.

Users remain responsible for maintaining the confidentiality of their login credentials, transaction details, and any personal data shared while accessing or using our Services.

Limitation of Responsibility

To the fullest extent allowed under applicable law:
We shall not be held liable for any direct, indirect, incidental, consequential, or exceptional losses arising from or related to the use of our Services.

In all circumstances, our cumulative liability in connection with any Service-related matter shall not exceed the service charges collected by us for the specific transaction involved.

Updates and Modifications

We reserve the right to revise or amend this Disclaimer periodically to reflect changes in legal requirements, operational practices, or service offerings. Continued use of the Services following such revisions signifies acceptance of the updated terms.

If you do not accept any portion of this Disclaimer, you must cease using our Services immediately.