Terms & Conditions

Welcome to GraamPay, a product of Viyona Fintech India Private Limited (“Viyona Fintech,” “we,” “us,” or “our”). By accessing or using the GraamPay app, website, or related services (“Services”), you agree to comply with and be bound by the following Terms and Conditions:

1. Acceptance of Terms
   By using GraamPay, you acknowledge that you have read, understood, and agree to these Terms and Conditions, along with our Privacy Policy. If you do not agree to any part of these terms, please refrain from using our Services.
2. Use of Services
   You agree to use GraamPay Services only for lawful purposes and in compliance with all applicable laws, rules, and regulations. Misuse of the Services for fraudulent or illegal activities is strictly prohibited.
3. Account Registration and Security
   To access certain features of GraamPay, you may need to create an account.
   • You agree to provide accurate and complete information during registration and to keep your account details updated.
   • You are responsible for maintaining the confidentiality of your account credentials and all activities under your account.
4. KYC and Compliance
   GraamPay requires users to complete Know Your Customer (KYC) verification to access specific features. Failure to complete KYC may restrict access to certain Services.
5. Fees and Charges
   GraamPay may charge fees for certain transactions. Any applicable charges will be transparently communicated within the app. By using these services, you agree to pay the fees associated with them.
6. Intellectual Property
   All content, trademarks, logos, and proprietary information provided through GraamPay are owned by Viyona Fintech. You may not copy, distribute, or modify any content without prior written permission.
7. 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 Services.
   • Unauthorized access to your account due to your negligence.
8. Service Modifications and Termination
   We reserve the right to modify, suspend, or terminate any part of GraamPay Services at any time without prior notice.
9. Jurisdiction
   These Terms and Conditions are governed by the laws of India. Any disputes shall fall under the exclusive jurisdiction of the courts in Hyderabad, Telangana.
10. Changes to Terms
    Viyona Fintech reserves the right to amend these Terms and Conditions at any time. Users are encouraged to review the terms periodically for updates.
11. Contact Us
    If you have any questions or concerns regarding these Terms and Conditions, 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