Terms and Conditions

1. Our Services

Finigenie is a technology platform that provides software and connectivity for businesses to manage payments, collections, and related financial operations. Our Services may include, depending on your jurisdiction and the configuration of your account:

• AP / AR Management — vendor payments via cards, bank transfers, wallets, and UPI; receivables management; payment links and reminders.
• Global Collections and Trade Pay — multi-currency collections, locked FX, and faster settlement across supported corridors (including India ↔ UAE ↔ Africa).
• Rent Collection — payment links, recurring schedules, automatic receipts, and overdue alerts.
• Utility Bill Payments — electricity, water, gas, telecom, internet, and similar bill payments via supported networks (such as BBPS in India).
• AI Statement Analysis — automated parsing, categorisation, cash-flow pattern detection, and anomaly flagging of bank statements.
• Lead Management — tracking, qualifying, and converting payment-related leads.
• Corporate Cards and Line of Credit — issued by partner banks/NBFCs and made available through our platform.
• Invoice Discounting and Supply Chain Finance — facilitated by partner lenders.
• Smart Reconciliation, Smart Cash Ledger, AI Agents, and the integrated financial dashboard — visibility and automation across your connected accounts.
• Plug-and-play APIs, ERP/TMS integrations, and white-label solutions for partners.
• Cross-border settlement features, including support for regulated stablecoin networks (such as USDC) delivered through licensed third-party providers.

The exact products and features available to you depend on your jurisdiction, account type, partner availability, and applicable law. We may change, add, remove, or restrict features at any time.

1.1 What we are not

Finigenie is a technology platform. Except where expressly licensed to do so under applicable law:

• We are not a bank, NBFC, lender, payment system operator, or licensed financial institution.
• We do not hold customer funds in our own name. Banking, card issuance, lending, escrow, settlement, and payment processing services are provided by our regulated partner banks, NBFCs, payment institutions, and licensed service providers.
• In India, payment and collection services are facilitated through partnerships with RBI-regulated banks, NBFCs, and licensed payment aggregators or system operators. Loan products are offered solely by our partner lending institutions; Finigenie acts as a technology aggregator only.
• In the UAE, services are offered through licensed partners in compliance with applicable Central Bank of the UAE (CBUAE) regulations. Where the Services involve virtual assets such as stablecoins, those features are delivered via third-party providers licensed by the relevant authority (including the UAE Virtual Asset Regulatory Authority, where applicable).

2. Eligibility and accounts

• You must be at least 18 years old and legally capable of entering into binding contracts under applicable law.
• Business accounts are intended for legally registered businesses with valid registration, tax, and (where applicable) trade-licence information.
• You must provide accurate, current, and complete information during onboarding and keep it up to date.
• You are responsible for safeguarding your account credentials and for all activity that occurs under your account.
• We may refuse, suspend, or terminate access without notice if we reasonably believe that your account or activity violates these Terms, applicable law, or the requirements of our partner banks or networks.

3. KYC, KYB, and ongoing due diligence

Before activating certain Services, and on an ongoing basis, we and our partners may require Know-Your-Customer (KYC) and Know-Your-Business (KYB) information, including but not limited to:

• Company registration documents, trade licence, GST/VAT/TRN, and tax identifiers.
• Identity documents of authorised signatories, beneficial owners, and key personnel (for example, passport, Emirates ID, PAN).
• Bank account details, board resolutions, and proof of address.
• Information about your customers and counterparties, where required by applicable law or partner requirements.

You authorise us to share this information with partner banks, NBFCs, payment networks, identity-verification providers, regulators, and law-enforcement authorities to the extent required to deliver the Services and comply with applicable law (including anti-money-laundering, counter-terrorist-financing, and sanctions regimes).

We may suspend or terminate the Services if you fail to provide, update, or cooperate with KYC, KYB, or AML requirements.

4. Fees, invoicing, and taxes

• Fees for the Services are set out in your order form, pricing page, or as otherwise communicated to you. We may change fees on prior notice.
• Fees are exclusive of GST, VAT, and other applicable taxes, which will be charged in addition where required by law.
• Invoices are issued in accordance with applicable tax laws. You agree to provide accurate tax-registration details. You are responsible for any liability arising from incorrect or incomplete tax information you provide.
• Invoice disputes must be raised in writing within 10 days of the invoice date; transaction discrepancies must be reported within 3 working days of the transaction.
• If you fail to pay undisputed fees when due, we may suspend the Services and recover amounts owed using available balances on the platform, in accordance with applicable law and any escrow arrangements with partner banks.

5. Card and payment-network rules

• You agree to comply with the rules of card networks (such as Visa and Mastercard), domestic schemes (such as NPCI/UPI/BBPS in India and applicable schemes in the UAE), and partner banks and processors.
• These rules may change from time to time and may be incorporated into these Terms by reference; continued use of the Services constitutes acceptance of those changes.
• You are responsible for fines, penalties, or chargebacks resulting from your non-compliance with such rules and agree to reimburse us for any amounts we are required to pay as a result.

6. Chargebacks, refunds, and fraudulent transactions

7. Loans, credit, and card products

• Finigenie acts as a technology aggregator only in relation to loan, line-of-credit, invoice-discounting, and corporate-card products. The lender or issuer is the relevant partner bank or NBFC, and the contractual relationship for those products is between you and that partner.
• Approval, pricing, limits, repayment terms, and any other features of credit and card products are determined solely by the relevant partner, subject to applicable regulation.
• Disputes regarding loan repayments, interest, fees, or card transactions must be raised with the relevant lender or issuer. We may assist as a facilitator but are not responsible for resolving such disputes.
• We do not provide regulated financial, investment, or tax advice. Information presented in our dashboards and tools is for general informational purposes only.

8. Global Collections, FX, and virtual-asset features

• Cross-border collection, foreign-exchange, and stablecoin settlement features are delivered through regulated third-party providers. Settlement timelines, FX rates, fees, and supported corridors vary by partner, regulatory cut-off, and prevailing market conditions, and may be adjusted without prior notice.
• “Locked FX” and indicative settlement timelines are provided where available, but are subject to the relevant network and partner-bank confirmation. We do not guarantee a specific exchange rate or settlement time unless expressly contracted.
• Where the Services enable settlement using stablecoins or other virtual assets (for example, USDC), you acknowledge that such features are made available through licensed virtual-asset service providers under the laws of the UAE (including, where applicable, the Virtual Asset Regulatory Authority) or other jurisdictions, and are subject to those providers' terms.
• Use of virtual assets involves risks, including price volatility, transmission delays, and regulatory change. You are responsible for ensuring that your use of virtual-asset features complies with applicable law in your jurisdiction.

9. AI-powered features

• Features such as AI Statement Analysis, AI Agents, anomaly flagging, and CO₂ estimation use machine-learning models to assist you. They are designed to support, not replace, your professional judgement.
• Outputs of these features may be incomplete, inaccurate, or out of date. You should independently verify any output before relying on it for material business decisions.
• You retain ownership of the input data you upload. We may process input data to provide the Services and may use de-identified, aggregated data to maintain and improve the Services and our models.
• You must not use AI features to attempt to extract personal data of identifiable individuals, to reverse-engineer the underlying models, or for any unlawful purpose.

10. Prohibited activities

You agree not to use the Services for, or in connection with, any of the following:

• Adult content, child sexual abuse material, escorting, or similar services.
• Sale of alcohol, tobacco, drugs, or controlled substances, except where lawfully licensed and permitted by our partners.
• Trading in body parts, endangered species, or live animals.
• Gambling, lotteries, sports betting, or matrix or pyramid schemes.
• Counterfeit goods, pirated software, unauthorised media copies, or copyright-infringement tools.
• Sale of weapons, ammunition, explosives, hazardous materials, or surveillance and traffic-tampering devices, except where lawfully licensed.
• Bulk marketing tools, sale of mailing lists, telemarketing databases, or any activity violating telecom regulator rules (including TRAI rules in India).
• Fake identification documents, hacking tools, or unproven “miracle cure” products.
• Wholesale currency trading, unlicensed money-services businesses, chit funds, or Nidhi companies (except duly licensed government or PSU entities).
• Cryptocurrencies and virtual currencies, NFTs, or similar products, except where (a) they are supported as part of the Services (for example, regulated stablecoin rails offered via our licensed partners) and (b) your use of them is lawful in your jurisdiction.
• Money laundering, terrorist financing, sanctions evasion, fraud, or any activity that violates anti-money-laundering, counter-terrorist-financing, or sanctions laws of any applicable jurisdiction.
• Any activity that violates applicable law in your jurisdiction or that breaches our agreements with partner banks, NBFCs, or networks.

You also agree not to:

• Reverse engineer, decompile, or attempt to derive the source code of the Services.
• Probe, scan, or test the vulnerability of the Services without our prior written permission.
• Use the Services in a way that interferes with or disrupts them, including by introducing viruses, worms, or other harmful code.
• Falsely represent yourself as Finigenie, its employees, or its agents.
• Use scraped, harvested, or otherwise unlawfully obtained data through the Services.

11. Intellectual property

• Finigenie and its licensors own all rights, title, and interest in the Services, including software, designs, trademarks, logos, text, graphics, and content (“Finigenie IP”).
• Subject to your compliance with these Terms, we grant you a non-exclusive, non-transferable, revocable, limited licence to access and use the Services for your internal business purposes.
• All third-party trademarks (including those of partner banks, networks, and processors) belong to their respective owners. Use of such trademarks on our materials indicates integration or partnership and does not imply endorsement.
• You retain ownership of the data and content you upload (“Customer Data”). You grant us a worldwide, royalty-free licence to host, process, transmit, and display Customer Data solely to provide the Services and to comply with applicable law.
• You grant us a perpetual, irrevocable, royalty-free licence to use feedback, suggestions, or ideas you provide regarding the Services, without obligation to you.

12. Third-party content and integrations

The Services may link to or integrate with third-party websites, software, and services. We do not control those third parties and are not responsible for their content, accuracy, availability, or practices. Use of third-party services is at your own risk and is governed by the terms and policies of those third parties.

13. Privacy

Your use of the Services is subject to our Privacy Policy, available at finigenie.com/privacy-policy and finigenie.ae/privacy-policy. The Privacy Policy is incorporated into these Terms by reference. By using the Services, you consent to the collection, use, and transfer of your data as described in the Privacy Policy.

14. Term and termination

• These Terms apply from the date you first access the Services and continue until terminated.
• You may terminate by closing your account in accordance with our then-current process and any agreed notice period.
• We may suspend or terminate your access immediately if you breach these Terms, if required by applicable law or partner requirements, or if we reasonably believe that continued provision of the Services may expose us or our partners to legal, regulatory, or reputational risk.
• Sections that, by their nature, should survive termination (including provisions on fees, IP, disclaimers, liability, indemnification, and governing law) will survive.

15. Modifications and availability

We may change, suspend, or discontinue the Services (or any part of them) at any time. We aim to give reasonable notice for material changes but are not obliged to do so where changes are required for security, regulatory, or operational reasons. We are not liable for any loss, damage, or inconvenience caused by interruptions, maintenance, or discontinuation of the Services.

16. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

Without limiting the foregoing:

• Corporate Cards — issued by partner banks and made available to legally registered businesses meeting partner KYC and eligibility requirements (including, in India, a valid GST registration).
• Vendor Payment System — restricted to registered businesses transacting with other registered businesses; cross-directorship between sender and receiver is prohibited; transactions are subject to partner-bank and network rules.
• POS Devices (FiniPOS) — allocated to registered businesses meeting partner eligibility criteria (including, where applicable, minimum monthly sales thresholds).
• Payment Gateway — available to businesses compliant with RBI / CBUAE and partner requirements; categories listed under “Prohibited Activities” are not eligible.
• Cashbacks, rewards, and promotional benefits — not guaranteed on every transaction; subject to specific rules communicated to you and to partner-bank approval. The decision regarding issuance is final and binding.
• Testimonials and case studies — reflect individual experiences and do not guarantee that you will achieve the same results.

17. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

• Neither party will be liable to the other for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, loss of data, or loss of business opportunity, even if advised of the possibility of such damages.
• Our total aggregate liability arising out of or relating to the Services, regardless of the form of action, will not exceed the total fees paid by you to us for the Service giving rise to the claim during the twelve (12) months preceding the event giving rise to liability.
• Nothing in these Terms limits or excludes liability that cannot lawfully be limited or excluded under applicable law (such as for fraud, wilful misconduct, or death or personal injury caused by negligence).

18. Indemnification

You agree to defend, indemnify, and hold harmless Finigenie, its affiliates (including Ragilly Technologies Private Limited and Ragilly Payment Services Provider Co. LLC), and their respective directors, officers, employees, agents, and partners from and against any third-party claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the Services; (b) your breach of these Terms or applicable law; (c) your violation of any third-party right; (d) the content or data you upload or transmit; or (e) any chargebacks, fines, or penalties imposed on us due to your acts or omissions.

19. Governing law, jurisdiction, and disputes

20. Notices and electronic communications

• Notices to us must be sent to sales@finigenie.com, with a copy by post to our applicable registered office above.
• Notices to you may be given by email to the address associated with your account or by posting on the Services.
• You consent to the use of electronic records, signatures, and contracts in connection with the Services.

21. Miscellaneous

• These Terms, together with the Privacy Policy and any order forms, schedules, or referenced policies, constitute the entire agreement between you and us regarding the Services.
• Our failure to enforce any provision will not be a waiver of that provision.
• If any provision is held unenforceable, the remaining provisions will continue in full force and effect.
• You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, or sale of assets.
• Neither party will be liable for any failure or delay caused by events beyond its reasonable control (force majeure), including acts of God, pandemics, outages of telecommunications or banking systems, government action, or regulatory orders.