Terms and Conditions

Effective Date: May 19, 2026

Last Updated: May 19, 2026

These Terms & Conditions (“Terms”) govern access to and use of the website, platforms, APIs, software, products, and services provided by TAHR TECH STUDIO (OPC) PRIVATE LIMITED through tahrtech.com and related systems (collectively, the “Services”).

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree with these Terms, you must discontinue use of the Services immediately.

Nature of Services

The Company provides financial technology infrastructure, software solutions, integrations, APIs, and related services for banks, financial institutions, fintech companies, and enterprise clients, including services related to:

Debit cards
Credit cards
Prepaid cards
Corporate cards
Loyalty and rewards systems
Banking integrations
Financial APIs
Payment and transaction enablement technologies

The Company is a technology service provider and does not represent itself as a bank, non-banking financial company, or regulated financial institution unless expressly stated.

Certain financial services may be offered in partnership with regulated institutions and may be subject to separate agreements and regulatory requirements.

Eligibility

By using the Services, you represent and warrant that:

You are legally capable of entering into binding agreements;
You are authorized to act on behalf of any organization you represent;
All information provided by you is accurate and complete;
Your use of the Services complies with applicable laws and regulations.

The Company reserves the right to refuse or terminate access to any user at its discretion.

Account Registration and Security

Certain Services may require account registration.

Users agree to:

Provide accurate and updated information;
Maintain confidentiality of login credentials;
Restrict unauthorized access to accounts;
Immediately notify the Company of unauthorized access or security incidents.

Users are responsible for all activities occurring under their accounts.

The Company shall not be liable for losses arising from unauthorized account use caused by user negligence or external factors beyond reasonable control.

KYC and Verification Requirements

Users may be required to submit:

Identity documents;
Financial information;
Employment or business details;
Regulatory compliance documentation;
Additional verification information requested by partner institutions or regulators.

The Company reserves the right to:

Reject incomplete or suspicious submissions;
Suspend access pending verification;
Share information with authorized verification partners and regulatory authorities where legally required.

Failure to provide required information may result in restricted access or termination of Services.

Acceptable Use

Users agree not to:

Use the Services for unlawful activities;
Commit fraud or financial misconduct;
Submit false or misleading information;
Circumvent security measures;
Reverse engineer or exploit the Services;
Interfere with system integrity or availability;
Use automated tools to access systems without authorization;
Upload malicious software or harmful code;
Use the Services for money laundering, terrorism financing, or prohibited transactions;
Violate banking, payment, sanctions, or financial regulations.

The Company may monitor activities to ensure compliance and security.

API and Integration Usage

Where APIs or integration services are provided:

Access credentials must remain confidential;
APIs may only be used for authorized business purposes;
Rate limits, usage policies, and technical specifications must be followed;
Users may not misuse, overload, or disrupt API infrastructure;
The Company may modify or discontinue APIs at any time.

The Company reserves the right to suspend API access for:

Security concerns;
Excessive usage;
Regulatory risks;
Suspected abuse or fraud.

Separate API agreements may apply to enterprise integrations.

Transactions and Financial Activities

Users acknowledge that:

Financial transactions may involve third-party institutions;
Processing times may vary;
Transactions may be delayed, declined, reversed, or restricted due to regulatory, operational, or security reasons;
Certain activities may require additional verification or approvals.

The Company does not guarantee uninterrupted transaction processing or approval of any financial request.

Communications Consent

By using the Services, users consent to receiving communications through:

Email;
SMS;
WhatsApp;
Phone calls;
Platform notifications.

Such communications may relate to:

Security alerts;
Account updates;
Transaction notifications;
Service announcements;
Compliance requirements;
Customer support.

Users remain responsible for maintaining updated contact information.

Intellectual Property Rights

All intellectual property rights relating to the Services, including:

Software;
APIs;
Source code;
Designs;
Logos;
Documentation;
Trademarks;
Content;
Technical infrastructure,

shall remain the exclusive property of the Company or its licensors.

Users receive a limited, non-exclusive, revocable right to access and use the Services in accordance with these Terms.

Users may not:

Copy;
Modify;
Redistribute;
Commercially exploit;
Reverse engineer;
Create derivative works,

without prior written authorization.

Confidentiality

Users may obtain access to confidential information relating to:

Technology;
APIs;
Security systems;
Business operations;
Client relationships;
Financial workflows.

Users agree not to disclose or misuse confidential information except as authorized or legally required.

Confidentiality obligations survive termination of these Terms.

Data Protection and Privacy

Use of personal information is governed by the Company’s Privacy Policy available at:

tahrtech.com/privacy-policy

Users acknowledge that:

Financial and KYC information may be processed for compliance purposes;
Data may be shared with authorized institutions and service providers where necessary;
Electronic systems may involve inherent cybersecurity risks.

Third-Party Services

The Services may integrate with third-party systems, banks, communication providers, and technology platforms.

The Company is not responsible for:

Third-party service interruptions;
External platform failures;
Third-party security incidents;
Policies or practices of third parties.

Use of third-party services may be governed by separate terms and policies.

Service Availability

The Company does not guarantee uninterrupted or error-free Services.

Services may be:

Modified;
Suspended;
Restricted;
Discontinued,

for maintenance, upgrades, regulatory requirements, security concerns, or operational reasons.

The Company shall not be liable for downtime, delays, or interruptions beyond reasonable control.

Suspension and Termination

The Company may suspend or terminate access immediately if:

Users violate these Terms;
Fraudulent or suspicious activity is detected;
Regulatory risks arise;
Security threats are identified;
Required verification cannot be completed.

Termination may occur without prior notice where necessary for legal or security reasons.

The Company reserves the right to retain records where required by law or regulatory obligations.

Disclaimers

The Services are provided on an “as is” and “as available” basis.

To the maximum extent permitted by law, the Company disclaims:

Warranties of uninterrupted availability;
Guarantees of error-free operation;
Implied warranties of merchantability or fitness for a particular purpose;
Guarantees relating to third-party systems or institutions.

Nothing in these Terms constitutes financial, investment, legal, or regulatory advice.

Limitation of Liability

To the fullest extent permitted by law, the Company shall not be liable for:

Indirect losses;
Consequential damages;
Loss of profits;
Loss of business opportunities;
Data loss;
Regulatory penalties incurred by users;
Transaction delays or failures caused by third parties;
Unauthorized access beyond reasonable control.

The aggregate liability of the Company arising from use of the Services shall not exceed the amount paid by the user to the Company for the specific Services giving rise to the claim, if any.

Indemnification

Users agree to indemnify and hold harmless the Company, its directors, employees, affiliates, partners, and service providers from claims, damages, liabilities, costs, and expenses arising from:

Violation of these Terms;
Misuse of the Services;
Fraudulent activities;
Regulatory violations;
Infringement of third-party rights.

Regulatory Compliance

Users are solely responsible for complying with:

Applicable financial laws;
Payment regulations;
AML/KYC obligations;
Data protection requirements;
Tax and reporting obligations;
Sanctions and anti-corruption laws.

The Company may cooperate with regulators, law enforcement agencies, and authorized institutions where legally required.

Force Majeure

The Company shall not be liable for delays or failures caused by events beyond reasonable control, including:

Natural disasters;
Government actions;
Regulatory restrictions;
Internet failures;
Cyberattacks;
Power outages;
Labor disputes;
Banking network disruptions.

Amendments

The Company may revise these Terms at any time.

Updated Terms will be published at: tahrtech.com

Continued use of the Services after updates constitutes acceptance of revised Terms.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India.

Subject to applicable law, courts located in Kozhikode, Kerala, India shall have exclusive jurisdiction over disputes arising from these Terms or the Services.

Contact Information

For questions or legal inquiries, contact:

TAHR TECH STUDIO (OPC) PRIVATE LIMITED
2, 35/1915C, CK SQUARE,
East Mankavu Road, Mankavu,
Kozhikode, Kerala – 673007, India

Email: info@tahrtech.com