These Terms and Conditions (“Terms”) constitute a legally binding agreement between Beniss Global (“We”, “us”, “our” or “Company”), and any person accessing, browsing, registering, logging into, or using the Website and digital platform of the Company (“User” / “Customer”).

By accessing or using the Website, the User agrees to comply with these Terms, which are aligned with applicable laws of India, including regulations issued by the Reserve Bank of India (RBI) and the Government of India.

By clicking “I Agree”, logging into the website, or using any service, the user irrevocably accepts these Terms.

2. Regulatory Compliance

• Reserve Bank of India (RBI) guidelines and circulars
• Banking Regulation Act, 1949
• Payment and Settlement Systems Act, 2007
• Information Technology Act, 2000
• Foreign Exchange Management Act (FEMA), 1999
• Prevention of Money Laundering Act (PMLA), 2002
• RBI Digital Payment Security Controls
• Other applicable laws and guidelines

3. Eligibility

• Users must be legally competent under Indian law
• Valid bank account and KYC compliance required

4. User Authentication and Security

• Secure login required (password, OTP, biometric)
• Two-Factor Authentication (2FA) implemented
• Users must keep credentials confidential
• No liability for unauthorized transactions due to negligence
• Company relies on authenticated instructions

5. Permitted Use of Website

• Use only for lawful purposes
• No unauthorized access or malware attempts
• Misuse may lead to suspension or legal action

6. Electronic Transactions

• Includes NEFT, RTGS, IMPS, UPI, bill payments, cards
• Transactions may not be reversible
• Limits may be imposed as per policy

7. Failed Transactions and Refunds

• Reversals as per RBI timelines
• Compensation for delays (if applicable)
• Users must report issues promptly

8. Customer Liability

• Zero liability for system faults or timely reporting
• Limited liability in case of negligence
• Immediate reporting required

9. Fees and Charges

• Charges will be transparently displayed
• Fees may be revised with notice

10. Data Privacy and Protection

• Data handled as per IT Act, 2000
• Security practices implemented
• Data may be shared with authorities if required

11. Anti-Money Laundering (AML)

• Transactions monitored under PMLA, 2002
• Suspicious activity may be reported

12. System Availability

The Company strives for uninterrupted service but does not guarantee availability and is not liable for losses due to technical failures or force majeure events.

13. Third-Party Links

The Company is not responsible for external websites or services linked on the platform.

14. Grievance Redressal

• Complaints can be raised via website support
• Escalation available through RBI Ombudsman Scheme

15. Amendments

Terms may be updated periodically. Continued use implies acceptance.

16. Governing Law and Jurisdiction

• Governed by laws of India
• Disputes resolved via arbitration (Gurugram, Haryana)
• Courts at Gurugram have jurisdiction if arbitration fails

17. Contact Information

Users may contact the Company through official customer support channels available on the Website.