Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and Jenria Infotech LLP (ACV-9592)("Company", "we", "us", or "our"), governing your access to and use of PayTrova, an invoicing, payment, and business management platform ("Service"). Our Service is accessible at paytrova.com.

By accessing or using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms, including our Privacy Policy, Refund Policy, and Acceptable Use Policy. If you do not agree to these Terms, you must not access or use the Service.

For the purposes of these Terms:

• "Service" means the PayTrova platform, including all software, APIs, websites, and services provided by us
• "User" or "Customer" means any individual or entity that accesses or uses the Service
• "Subscription" means the paid access to the Service features
• "Transaction" means any payment made through our payment processing systems
• "Transaction Amount" means the amount paid by you for the Service
• "Payment Instrument" means credit cards, debit cards, UPI, net banking, or other payment methods
• "Chargeback" means a reversal of a transaction requested by your bank or card issuer
• "Facility Provider" means banks, payment networks, and other entities that facilitate payment processing

To use our Service, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Not be prohibited from using the Service under applicable laws
• If acting on behalf of an organization, have the authority to bind that organization to these Terms
• Provide true, accurate, current, and complete information as required during registration

PayTrova is an invoicing and business management platform that provides:

• Invoice Management: Create, send, and track invoices with GST compliance
• Payment Processing: Accept payments via Razorpay (UPI, cards, net banking)
• Quote & Estimate Management: Generate professional quotes and convert to invoices
• Credit & Debit Notes: Issue credit notes, debit notes, and delivery challans
• Client Portal: Secure portal for clients to view invoices and make payments
• PDF Generation: Professional invoice templates with customization options
• Inventory Management: Track stock levels and product catalog
• Multi-Factor Authentication: Enhanced security through TOTP and WebAuthn/Passkeys
• Recurring Invoices: Automated recurring invoice generation

The Service is provided on an "as is" and "as available" basis. We do not warrant that the Service will be uninterrupted, error-free, or fit for your specific business purposes.

To access certain features of our Service, you must create an account. When creating an account:

• You must provide accurate, current, and complete information
• You must maintain and promptly update your account information
• You are responsible for maintaining the confidentiality of your login credentials
• You must notify us immediately of any unauthorized access to your account
• You are responsible for all activities that occur under your account
• You must not share your account credentials with unauthorized individuals

Refunds for paid plans are governed by our Refund & Cancellation Policy, which provides a full refund within 14 days of a paid purchase or renewal.

You may cancel your subscription at any time. Upon cancellation:

• Your subscription will not renew at the end of the current billing period
• You retain access to paid features until the end of your current billing period
• Outside the 14-day refund window, no partial refunds are issued for unused time
• Your data is retained in line with our Privacy Policy and applicable statutory retention periods

We take payment disputes seriously. If you have concerns about a charge:

• Contact Us First: Please contact us at [email protected] before initiating a chargeback with your bank
• Provide Documentation: We may request transaction details to resolve disputes
• Response Time: We will respond to dispute inquiries within 5 business days

As a user of our Service, you agree to:

• Use the Service only for lawful purposes and in compliance with all applicable laws
• Ensure all invoices and financial documents created are accurate and truthful
• Not create fraudulent, misleading, or fake invoices
• Maintain proper records for tax compliance (GST)
• Not use the Service for money laundering or financial fraud
• Not interfere with or disrupt the integrity or performance of the Service
• Not transmit any malware, viruses, or other malicious code
• Retain transaction records and invoices as required by applicable law
• Comply with our Acceptable Use Policy

You shall not use our Service for, or in connection with, any of the following:

• Creating fraudulent or fictitious invoices
• Money laundering or other financial crimes
• Tax evasion or misrepresentation of financial data
• Gambling, betting, lottery, or games of chance
• Sale of drugs, drug paraphernalia, or controlled substances
• Weapons, ammunition, or explosives
• Counterfeit goods or intellectual property infringement
• Multi-level marketing schemes or pyramid schemes
• Activities threatening national security or public order
• Any activity prohibited under Indian law or international sanctions

Violation of these prohibitions will result in immediate account termination without refund.

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

We process your personal data in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act), the Information Technology Act, 2000, and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

When your organization is deleted, you have a 7-day grace period to export your data before it is permanently removed from our systems.

• Data Export: During the grace period, you can download a complete copy of your organization data in a commonly used, machine-readable format (CSV). This includes invoices, clients, products, payments, expenses, and other business records.
• Permanent Deletion: After the 7-day grace period, all data associated with your organization will be permanently deleted, including files stored in cloud storage. This action is irreversible.
• Your Responsibility: You are responsible for maintaining copies of any records required for tax compliance or legal purposes. We recommend downloading your data export before the grace period expires. Statutory requirements may mandate retention of financial records (e.g., 8 years for India GST).

To the maximum extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. You acknowledge that you use the Service at your own risk.

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• WE SHALL NOT BE LIABLE FOR ANY LOSS OF DATA, PROFITS, REVENUE, OR BUSINESS OPPORTUNITIES
• OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNTS PAID BY YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM
• WE ARE NOT LIABLE FOR DELAYS OR FAILURES CAUSED BY PAYMENT PROCESSORS, BANKS, OR THIRD PARTIES

We are committed to addressing your concerns promptly.

If you have any questions about these Terms, please contact us: