Terms of Use

Welcome to GraamPay, a product of Viyona Fintech India Private Limited (“Viyona Fintech,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of the GraamPay app, website, and related services (collectively, the “Services”).

By accessing or using GraamPay, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

1. Eligibility
   By using GraamPay, you represent that you are at least 18 years old and have the legal capacity to enter into this agreement.
2. Account Registration and Security
   To access certain features of GraamPay, you must create an account.
   • You agree to provide accurate and complete information during registration.
   • You are responsible for maintaining the confidentiality of your account credentials.
   • You must notify us immediately of any unauthorized use of your account.
3. Use of Services
   • You agree to use GraamPay only for lawful purposes and in compliance with all applicable laws.
   • You must not misuse the Services, including engaging in fraudulent or illegal activities.
4. KYC Compliance
   Access to certain features of GraamPay requires completion of the Know Your Customer (KYC) verification process. Failure to complete KYC may restrict your use of specific Services.
5. Fees and Payments
   GraamPay may charge fees for certain transactions, which will be clearly communicated to you within the app or website. By using these services, you agree to pay the associated fees.
6. Intellectual Property
   All content, trademarks, and proprietary materials provided through GraamPay are owned by Viyona Fintech. You may not copy, modify, or distribute any content without prior written consent.
7. Prohibited Activities
   You may not:
   • Use GraamPay to perform unlawful, fraudulent, or abusive activities.
   • Attempt to access unauthorized parts of the platform or interfere with its operation.
   • Use automated tools, bots, or scripts to interact with the Services.
8. Termination of Services
   We reserve the right to suspend or terminate your access to GraamPay at any time if you violate these Terms or for any other reason at our sole discretion.
9. Limitation of Liability
   Viyona Fintech is not liable for any direct, indirect, incidental, or consequential damages arising from:
   • Your use of or inability to use GraamPay.
   • Unauthorized access to your account.
   • Errors, interruptions, or delays in the Services.
10. Privacy Policy
    Your use of GraamPay is subject to our Privacy Policy, which outlines how we collect, use, and safeguard your personal information.
11. Changes to Terms of Use
    Viyona Fintech reserves the right to modify these Terms at any time. We encourage you to review the Terms periodically for updates.
12. Governing Law and Jurisdiction
    These Terms are governed by the laws of India. Any disputes will be subject to the exclusive jurisdiction of the courts in Hyderabad, Telangana.
13. Contact Us
    If you have any questions or concerns about these Terms of Use, please contact us at:
    Viyona Fintech India Private Limited
    1st Floor, Plot No 197, Kavuri Hills,
    Guttalabegumpet, Madhapur, Hyderabad,
    Telangana-500081, India
    Email: support@viyonafintech.com

By using GraamPay, you acknowledge that you have read, understood, and agreed to these Terms of Use.