Terms & Conditions

1. Acceptance of Terms

By accessing or using Suvihim's services, including our FaydaMX platform, website, mobile applications, WhatsApp Business communications, or IVR services, you agree to be bound by these Terms & Conditions and our Privacy Policy.

If you do not agree to these terms, please do not use our services.

2. Our Services

Platform Services

Suvihim provides a SaaS-enabled loyalty and commerce platform that includes:

• Digital loyalty programs for local businesses
• Customer rewards and cashback systems
• Merchant promotional tools
• Digital payment integration
• Customer engagement solutions

FaydaMX Application

Our flagship mobile application connects consumers with local merchants, enabling:

• Discovery of local businesses and offers
• Loyalty point accumulation and redemption
• Digital transaction facilitation
• Community engagement features

Service Availability

Our services are primarily designed for Tier 4 and Tier 5 cities in India. Service availability may vary by location and is subject to local regulations and technical feasibility.

3. User Responsibilities

Account Creation and Security

When creating an account, you must:

• Provide accurate and complete information
• Maintain the security of your login credentials
• Notify us immediately of any unauthorized access
• Use the platform only for lawful purposes

Prohibited Activities

You agree not to:

• Use the platform for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the normal operation of our services
• Share false or misleading information
• Violate any applicable laws or regulations
• Abuse loyalty programs or engage in fraudulent activities

Age Restrictions

Our services are intended for users aged 18 and above. Users under 18 may use our services only with parental or guardian supervision and consent.

4. WhatsApp Business Communications

Consent to Receive Messages

By providing your WhatsApp number or contacting us via WhatsApp, you consent to receive business communications including:

• Transaction confirmations and receipts
• Loyalty program updates and notifications
• Promotional offers from partner merchants
• Service announcements and updates
• Customer support responses

Message Frequency and Opt-out

Message frequency varies based on your activity and preferences. You can:

• Opt-out at any time by replying "STOP" to any message
• Manage your communication preferences in your account settings
• Block our WhatsApp Business number if desired

WhatsApp Business Policy Compliance

Our WhatsApp communications comply with:

• WhatsApp Business Policy requirements
• Indian telecommunications regulations
• Data protection and privacy laws
• Anti-spam regulations

Message Content and Responsibility

You are responsible for the content of messages you send to us. We reserve the right to block communications that are inappropriate, abusive, or violate our policies.

5. IVR and Voice Services

Call Recording and Monitoring

When you call our IVR system, please note that:

• Calls may be recorded for quality assurance and training purposes
• You will be notified before recording begins
• You can opt-out of recording if desired
• Recorded calls are stored securely and retained as per our data retention policy

IVR Service Features

Our IVR system provides:

• Account balance and transaction inquiries
• Loyalty point status checks
• Merchant information and location services
• Customer support routing
• Service status updates

Voice Data Processing

Voice interactions are processed to:

• Provide requested services and information
• Improve service quality and user experience
• Ensure compliance with regulatory requirements
• Resolve disputes and provide customer support

Telecom Compliance

Our IVR services comply with Indian telecom regulations including TRAI guidelines and are operated through licensed telecom service providers.

6. Merchant Partner Terms

Merchant Onboarding

Local businesses joining our platform must:

• Provide valid business registration documents
• Comply with local business regulations
• Maintain accurate business information
• Honor loyalty program commitments

Merchant Responsibilities

Partner merchants agree to:

• Provide goods and services as advertised
• Honor loyalty points and rewards
• Maintain appropriate business licenses
• Comply with consumer protection laws
• Resolve customer disputes in good faith

Platform Fees and Commissions

Merchant fees are outlined in separate merchant agreements and may include:

• Monthly subscription fees for platform access
• Transaction-based commissions
• Promotional campaign fees
• Additional service charges as applicable

7. Payment and Billing

Consumer Transactions

For consumer users:

• Platform usage is generally free for consumers
• Digital wallet features may have associated fees
• All transaction fees will be clearly disclosed
• Refunds are subject to merchant policies and applicable laws

Loyalty Points and Rewards

Loyalty points and rewards:

• Have no cash value unless explicitly stated
• May have expiration dates
• Are subject to terms and conditions of participating merchants
• Cannot be transferred between accounts without authorization

8. Intellectual Property

Our Intellectual Property

Suvihim owns all rights to:

• The FaydaMX application and platform
• Our logos, trademarks, and brand elements
• Software, algorithms, and proprietary technology
• Content, designs, and user interfaces

User Content

You retain ownership of content you create, but grant us a license to use it for providing and improving our services.

Respect for Third-Party Rights

Users must respect the intellectual property rights of others and not use our platform to infringe on copyrights, trademarks, or other proprietary rights.

9. Liability and Disclaimers

Service Disclaimers

Our services are provided "as is" and "as available." We make no warranties regarding:

• Uninterrupted or error-free service operation
• Complete accuracy of merchant information
• Availability of specific merchants or offers
• Third-party services or integrations

Limitation of Liability

To the maximum extent permitted by law, Suvihim's liability is limited to:

• Direct damages arising from our gross negligence
• The amount paid by you for our services in the preceding 12 months

Third-Party Services

We are not responsible for:

• Actions or omissions of merchant partners
• Quality of goods or services provided by merchants
• Third-party payment processing issues
• External website or service failures

10. Termination

Termination by You

You may terminate your account at any time by:

• Contacting our customer support
• Using account deletion features in the app
• Following the account closure process

Termination by Us

We may suspend or terminate accounts for:

• Violation of these terms and conditions
• Suspected fraudulent activity
• Non-compliance with applicable laws
• Extended periods of inactivity

Effects of Termination

Upon termination:

• Your access to our services will cease
• Unused loyalty points may be forfeited
• Data will be handled according to our Privacy Policy
• Outstanding obligations remain enforceable

11. Governing Law and Dispute Resolution

Governing Law

These terms are governed by the laws of India. Any disputes will be subject to the jurisdiction of courts in Rajnandgaon, Chhattisgarh.

Dispute Resolution Process

Before initiating legal proceedings, parties agree to attempt resolution through:

1. Direct Communication: Contact our grievance officer
2. Mediation: Good faith mediation if direct resolution fails
3. Arbitration: Binding arbitration under Indian Arbitration Act
4. Legal Action: Court proceedings as a last resort

Consumer Protection Rights

Nothing in these terms shall limit your rights under the Consumer Protection Act, 2019, or other applicable consumer protection laws in India.