User and Merchant Obligations

1. User Obligations

   a) Users agree not to use the AGREGGA platform in ways that violate laws or regulations, lead to fraud, or cause AGREGGA or its platform to face legal action.
   b) Users may only use bank account/card information provided by the merchant’s software for completing transactions and may not sell or share it unless independently obtained.
   c) Users must comply with AGREGGA’s terms and conditions and may not modify, decompile, or reverse-engineer the platform without written consent.
   d) Users must provide accurate information as per AGREGGA’s “Know Your Customer” (KYC) requirements.
   
   

2. Merchant Obligations

   a) Merchants must comply with applicable laws, rules, and regulations while using the AGREGGA platform.
   b) Merchants cannot process or deposit transactions for other establishments.
   c) Merchants cannot accept payments for refinancing existing debts.
   d) Merchants must adhere to AGREGGA’s data extraction requirements from payment instruments.
   e) Merchants must provide customers with a digital or paper receipt indicating the transaction amount.
   f) Merchants cannot impose surcharges, discounts, or finance charges related to payment instrument transactions.
   g) Merchants grant AGREGGA a non-exclusive, royalty-free license to use their trademarks and logos for marketing purposes.
   h) Merchants authorize AGREGGA to include their name in promotional materials related to AGREGGA’s services.
   i) Merchants must implement prescribed security measures on their websites or apps to accept payments.
   j) Merchants must follow AGREGGA’s written instructions regarding payments from electronic transactions.
   k) In case of disputes or fraud, AGREGGA may refund the cardholder using the merchant’s available funds. If funds are unavailable, AGREGGA can recover them through legal means.
   l) Merchants must provide accurate information during ownership verification. Providing false information may lead to penalties or account suspension.
   
   

3. Transaction & Settlement

   a) AGREGGA will ensure timely settlements to merchants unless unforeseen delays occur, in which case merchants will be notified.
   b) Transaction information must correspond to genuine transactions in line with this agreement.
   c) Merchants must keep E-Transaction records for at least five (5) years from the authorization date.
   
   

4. General Obligations

   a) Merchants must follow the general rules and service provider policies outlined in this agreement.
   b) Merchants must comply with applicable laws regarding the sale of products and services related to electronic transactions.
   c) Merchants are responsible for fulfilling customer obligations regarding product and service sales.
   
   

5. Accepting Payments for Goods & Services

   a) Merchants may only accept payments for products or services directly sold to customers.
   b) Payments and reversals must relate to products or services within the merchant’s scope of business.
   c) Merchants must notify AGREGGA before making any changes to their product or service offerings.
   d) Merchants must provide AGREGGA with the URL of their website that accepts payments through digital banking channels.
   e) Merchants must submit data to AGREGGA for authorized transactions by customers per applicable laws.
   f) Merchants must avoid actions that could harm AGREGGA’s reputation.
   g) Merchants indemnify AGREGGA from claims or actions that may result from obligations to their customers.
   
   

6. Disputes

   a) AGREGGA will not be involved in merchant-customer disputes and will be indemnified against any related consequences.
   b) Merchants cannot refuse returns or cancellations based on payment method used.
   
   

7. Refunds & Chargebacks

   a) For returns or cancellations, merchants must electronically refund the cardholder the net amount, minus applicable charges.
   b) Merchants must retain correspondence for at least five (5) years.
   c) AGREGGA may withhold payments if proper authorization is not obtained or if the agreement is violated.
   d) In case of disputes or fraud, AGREGGA may refund the cardholder using the merchant’s funds.
   e) Merchants will incur a service charge for each chargeback, deducted from their settlement or paid directly to AGREGGA.
   f) AGREGGA is not liable for refunds related to chargebacks, including subscription, setup, integration, or security deposits.
   
   

8. Indemnity

   a) Merchants indemnify AGREGGA from claims or economic loss arising from their obligations to customers.
   b) Merchants understand that AGREGGA only provides online payment solutions and may be held liable to its service providers in case of non-compliance.
   
   

9. Prohibited & Banned Items

   Merchants agree not to sell the following products or services:
   • Firearms
   • Alcohol
   • Explosives
   • Pornography
   • Live animals
   • Illegal drugs or controlled substances
   • Fireworks or pyrotechnic devices
   • Hazardous materials
   • Bulk email software
   • Gambling transactions
   • Multi-level marketing fees
   • Matrix schemes
   • Work-from-home promotions
   • Website promotion fees
   • Wire transfer products
   • Any illegal goods or services in Pakistan
     
     

10. Confidentiality & Security

    a) Merchants must ensure the confidentiality of customer information on their website or app and implement proper security measures. Losses from hacking or breaches are the merchant’s responsibility.
    b) Merchants must protect the integrity of the link between their platform and AGREGGA’s payment gateway. AGREGGA is not responsible for losses due to compromised links.
    
    

11. AGREGGA’s Copyright and Trademarks

    “AGREGGA,” and all related logos are trademarks. Users may not use them without written consent. All content on AGREGGA’s website is proprietary to AGREGGA and its licensors.
    
    

12. Other Businesses

    Services or products from third parties may be available through AGREGGA. Purchases from these third parties are directly with them, and AGREGGA is not responsible for their actions.
    
    

13. Disclaimer

    AGREGGA’s services are provided “as is,” and AGREGGA is not liable for damages arising from the use or inability to use the platform.
    
    

14. Governing Law and Jurisdiction

    This agreement is governed by the laws of Pakistan. Any unresolved disputes will be referred to the courts in Pakistan, whose decisions are final.