User Responsibilities:

1. Users must not engage in any activities that violate laws or regulations, commit fraud, or subject Elohim Technologies to legal action or investigation.

2. Bank account or card information provided to Elohim Technologies should only be used for authorized transactions and not shared with others.

3. Users should adhere to Elohim Technologies’ platform terms and avoid tampering with its software without explicit consent.

4. Users are required to provide accurate and complete information as part of Elohim Technologies’ “Know Your Customer” (KYC) requirements.

Merchant Responsibilities:

1. Merchants must comply with applicable laws while using Elohim Technologies’ platform.

2. Merchants should not process transactions for other merchant establishments, using Elohim Technologies platform, unless those are registered merchants of Elohim Technologies.

3. Refinancing of existing debts with payment from customers is not allowed.

4. Extraction of data from the Payment Instrument should follow Elohim Technologies’ specified methods.

5. Merchants must provide transaction records to customers when handling transactions via Elohim Technologies’ platform.

6. Merchants are prohibited from charging customers extra fees or passing on discounts related to transactions.

7. Elohim Technologies is granted a limited license to use merchant’s trademarks, logos, etc., for marketing purposes.

8. Elohim Technologies is authorized to include merchant’s name in directories or promotional materials.

9. Merchants must maintain security measures on their websites and/or mobile applications as instructed by Payment Schemes, 1LINK, and Elohim Technologies.

10. Merchants must follow instructions provided by Elohim Technologies for payments collected against Electronic Transactions.

Transaction And Settlement:

1. Elohim Technologies, as a Payment Aggregator and Acquirer/Platform Provider, ensures timely settlement for merchants, typically within two (02) Banking Day for Account Based (Push) Payments and/or Account Pull Payments, and at least five (05) Banking Days for Payment Schemes based payments.

2. The Acquirer/Platform Provider’s Commission will be calculated based on processed and accepted Transactions via Elohim Technologies’ Platforms.

3. Transaction information should accurately reflect legitimate Transactions compliant with this Agreement.

4. Merchants must retain correspondence related to E-Transactions, including Sales Records, for a minimum of five (5) years.

General Rules:

1. Compliance with Scheme Rules, PSO/PSPs’ SOCs, Acquirer/Platform Provider’s Policies, and Elohim Technologies’ Agreement is mandatory.

2. Merchants should follow all applicable laws and requirements while selling products/services and fulfilling obligations under the Agreement.

3. Merchant’s obligations related to the sale and provision of products/services to customers should be upheld.

Confidentiality And Security:

1. Merchants must ensure data confidentiality and implement proper encryption and security measures to prevent unauthorized access or hacking. Elohim Technologies is not responsible for the loss due to acts beyond the merchant’s control.

2. Elohim Technologies Copyright and Trademarks are property of Elohim Technologies Private limited and can only be used after express written permission of Elohim Technologies.

3. “Elohim Technologies,” “Elohim,” and related logos are trademarks owned by Elohim Technologies and cannot be used without prior written consent.

Prohibited Items:

Merchants are prohibited from offering, selling, or delivering certain products/services, such as firearms, alcohol, explosives, pornography, live animals, banned drugs, fireworks, hazardous materials, gambling, etc.

Other Businesses:

Elohim Technologies is not responsible for third-party services, products, or content.

Governing Law And Jurisdiction & Disclaimer:

1)Governing Law And Jurisdiction.

The Agreement is governed by Pakistani law, and any disputes shall be settled by the competent court in Pakistan.

2)Disclaimer.

Elohim Technologies provides content and functionality on the website “as is,” without warranties.

Return and Refund Policy

Effective Date: July 01, 2024

Last Updated: July 01, 2024

1. Introduction This Return and Refund Policy ("Policy") outlines the terms under which Elohim Technologies facilitates return and refund transactions between merchants and their customers. As a payment gateway, we serve as a technical service provider and do not sell products or services directly. Therefore, we are not responsible for the quality, delivery, or fulfillment of goods or services provided by merchants using our platform. By using our services, merchants and customers agree to the terms outlined in this Policy.

2. Scope of Responsibility As a payment gateway, we: Process payments securely on behalf of merchants. Transmit refund requests from merchants to issuing payment processors. Do not handle disputes regarding product/service quality or merchant behavior. Customers seeking returns or refunds must first contact the merchant directly.

3. Merchant Refund Responsibilities Each merchant is responsible for: Establishing and communicating a clear return and refund policy. Issuing refunds to customers in accordance with their published policy. Responding to refund requests or chargebacks in a timely manner. Failure to comply with refund obligations may result in penalties, suspension, or termination of payment gateway access.

4. Refund Process Refunds are processed as follows: Initiation: The merchant initiates a refund through escalation to mobile wallet provider. Processing Time: Wallets: 3–7 business days Fees: In most cases, there is no or negligible refund processing fee.

5. Chargebacks and Disputes If a customer disputes a charge, we will: Notify the merchant of the chargeback request. Provide the merchant an opportunity to submit evidence within a defined response window (typically 7–10 business days). Relay the evidence to the payment network for a final decision. We do not guarantee outcomes of disputes and are not liable for losses resulting from chargebacks.

6. Refund Limitations We reserve the right to: Decline refund requests made outside the applicable window. Withhold or delay refunds if we suspect fraud, abuse, or violation of our terms. Limit the frequency or volume of refunds for high-risk merchants.

7. Customer Support For refund-related inquiries, please contact the merchant directly. If assistance is needed with payment gateway-related issues (e.g., failed transactions), you may contact us at: ???? Email: [[email protected]] ???? Hours: [Mon–Fri, 9 AM–6 PM]

8. Policy Updates We may update this policy at any time. Changes will be effective upon posting on our website. Continued use of our services constitutes acceptance of the revised terms.

Please Remember That This Is A Simplified Version For Clarity And Understanding And Might Not Cover Every Detail Present In The Original Terms And Conditions. For Official And Legal Purposes, Consult The Original Terms Provided.