This document is an electronic record in terms of the Information Technology Act, 2000 and the rules thereunder, as applicable, and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3(1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy, and Terms of Use for access or usage of www.seeamdigital.in, including the related mobile site and mobile application (hereinafter referred to as “Platform”). The Platform is owned by Seeam Digital Private Limited, a company incorporated under the Companies Act, 1956 with its registered office at F-33, 34, 35, Shiv Plaza, Ahmedabad-Palanpur Highway, Palanpur-385001 (hereinafter referred to as "Platform Owner", "we", "us", "our").

Your use of the Platform and services and tools are governed by the following terms and conditions ("Terms of Use") as applicable to the Platform, including the applicable policies which are incorporated herein by way of reference. If you transact on the Platform, you shall be subject to the policies that are applicable to the Platform for such transaction. By mere use of the Platform, you shall be contracting with the Platform Owner, and these terms and conditions, including the policies, constitute your binding obligations with the Platform Owner.

These Terms of Use relate to your use of our website, goods (as applicable), or services (as applicable) (collectively, “Services”). Any terms and conditions proposed by you, which are in addition to or which conflict with these Terms of Use, are expressly rejected by the Platform Owner and shall be of no force or effect. These Terms of Use can be modified at any time without assigning any reason. It is your responsibility to periodically review these Terms of Use to stay informed of updates.

For the purpose of these Terms of Use, wherever the context so requires, "you", "your", or "user" shall mean any natural or legal person who has agreed to become a user/buyer on the Platform. ACCESSING, BROWSING, OR OTHERWISE USING THE PLATFORM INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS UNDER THESE TERMS OF USE, SO PLEASE READ THE TERMS OF USE CAREFULLY BEFORE PROCEEDING

The use of the Platform and/or availing of our Services is subject to the following Terms of Use: To access and use the Services, you agree to provide true, accurate, and complete information to us during and after registration, and you shall be responsible for all acts done through the use of your registered account on the Platform. Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness, or suitability of the information and materials offered on this website or through the Services, for any specific purpose. You acknowledge that such information and materials may contain inaccuracies or errors, and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law. Your use of our Services and the Platform is solely and entirely at your own risk and discretion for which we shall not be liable to you in any manner. You are required to independently assess and ensure that the Services meet your requirements.

The contents of the Platform and the Services are proprietary to us and are licensed to us. You will not have any authority to claim any intellectual property rights, title, or interest in its contents. The contents include and are not limited to the design, layout, look, and graphics. You acknowledge that unauthorized use of the Platform and/or the Services may lead to action against you as per these Terms of Use and/or applicable laws.

You agree to pay us the charges associated with availing the Services. You agree not to use the Platform and/or Services for any purpose that is unlawful, illegal, or forbidden by these Terms, or Indian or local laws that might apply to you. You agree and acknowledge that the website and the Services may contain links to other third-party websites. On accessing these links, you will be governed by the terms of use, privacy policy, and such other policies of such third-party websites. These links are provided for your convenience to provide further information. You understand that upon initiating a transaction for availing the Services, you are entering into a legally binding and enforceable contract with the Platform Owner for the Services.

You shall indemnify and hold harmless the Platform Owner, its affiliates, group companies (as applicable), and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of your breach of this Terms of Use, Privacy Policy, and other Policies, or your violation of any law, rules, or regulations, or the rights (including infringement of intellectual property rights) of a third party.

In no event will the Platform Owner be liable for any indirect, consequential, incidental, special, or punitive damages, including without limitation damages for loss of profits or revenues, business interruption, loss of business opportunities, loss of data, or loss of other economic interests, whether in contract, negligence, tort, or otherwise, arising from the use of or inability to use the Services, however caused and whether arising in contract, tort, negligence, warranty, or otherwise, exceeding the amount paid by you for using the Services giving rise to the cause of action or Rupees One Hundred (Rs. 100), whichever is less.

Notwithstanding anything contained in these Terms of Use, the parties shall not be liable for any failure to perform an obligation under these Terms if performance is prevented or delayed by a force majeure event. These Terms and any dispute or claim relating to it, or its enforceability, shall be governed by and construed in accordance with the laws of India. All disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in Palanpur, Gujarat.

All concerns or communications relating to these Terms must be communicated to us using the contact information provided on this website.

PRIVACY POLICY

1. Vision and Purpose

To empower every local retailer with digital banking tools, making financial services accessible to the last mile of rural India. Seeam Digital Pvt Limited aims to create a self-sustainable digital ecosystem where every partner grows together with the company through transparent, secure, and compliant services.

2. Introduction

Seeam Digital Pvt Limited (“Company”, “we”, “us”, or “our”) owns and operates the Seeam Digital Pvt Limited website and web application as a commercial digital services platform. This Privacy Policy governs your access to and use of our website, applications, and services.

By accessing or using our services, you acknowledge that you have read, understood, and agreed to the collection, use, and disclosure of information as described in this Privacy Policy.

3. Scope of This Privacy Policy

This Privacy Policy applies to all visitors, registered users, merchants, retailers, distributors, and partners who access or use our portal, applications, or services.

4. Changes to This Privacy Policy

We reserve the right to modify or update this Privacy Policy at any time. Any changes will be effective immediately upon posting on our website. Continued use of our services constitutes acceptance of the revised policy.

5. Data Controller

6. Information We Collect

We may collect personal and non-personal information including but not limited to name, email address, contact number, address, business details, and registration information provided voluntarily by users.

During account registration, we collect login credentials. Passwords are encrypted and stored securely and are not accessible in plain text

7. Automatically Collected Information

When you access our website or services, we may automatically collect information such as IP address, browser type, operating system, access time, pages visited, and referring URLs for analytics, security, and operational purposes.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to improve user experience, analyze traffic, and ensure proper functionality of the website. Cookies do not store sensitive personal, banking, or card information.

Users may disable cookies through browser settings; however, some features of the website may not function properly.

9. Use of Information

We use collected information to provide services, manage accounts, improve platform performance, communicate with users, conduct internal analysis, comply with legal obligations, and prevent fraud or misuse.

10. Disclosure of Information

We may share user information with trusted third-party service providers such as hosting providers, IT service providers, analytics partners, and communication service providers strictly for business operations.

We may disclose information to government authorities or law enforcement agencies where required by law or to protect our legal rights.

11. Utility Services – Payment & Usage Policy

To access Utility Services on the portal, users must be registered. Payments must be made only from the bank account registered in the user’s own name. Wallet credits are permitted only from the registered bank account.

Third-party payments are strictly prohibited. If any payment is made from a third-party bank account, Seeam Digital Pvt Limited reserves the right to levy 18% Goods and Services Tax (GST) and deduct 5% Tax Deducted at Source (TDS) as applicable before crediting, adjusting, reversing, or settling such payments.

In case of mismatch between the registered name and bank account name, payments may be rejected or cancelled. The Company shall not be responsible for losses arising from violations of this policy.

12. Service Availability Disclaimer

Services offered on the portal are dynamic and not fixed. We reserve the right to add, modify, suspend, or discontinue any service at any time due to technical issues, maintenance, regulatory requirements, or third-party dependencies.

We do not guarantee uninterrupted or error-free service availability.

13. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by applicable laws, regulations, or contractual obligations.

14. User Rights

Users have the right to request access, correction, or deletion of their personal information, subject to applicable legal and regulatory requirements. Requests may be submitted via email.

15. Security Measures

We implement reasonable physical, electronic, and administrative safeguards to protect personal information against unauthorized access, alteration, disclosure, or destruction.

16. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of such websites. Users should review their respective privacy policies

17. Minors

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

18. Business Transfers

In the event of a merger, acquisition, restructuring, or sale of assets, user information may be transferred as part of the business assets, subject to applicable laws.

19. Non-Refund Policy

All payments made on the Seeam Digital Pvt Limited portal, including but not limited to wallet loading, utility services, subscriptions, service charges, convenience fees, or any other payments, are strictly non-refundable.

Once a transaction is successfully processed, no refund, reversal, or chargeback shall be permitted under any circumstances, except where such refund is mandated by applicable law.

Seeam Digital Pvt Limited shall not be liable to provide any refund arising due to:

• User error or incorrect payment
• Payments made in violation of portal policies
• Third-party payment gateway issues
• Service downtime, suspension, or discontinuation
• Regulatory restrictions or compliance requirements

By using the portal and making payments, the user expressly agrees to this Non-Refund Policy.

20. Communication

We may send service-related communications and updates. Users may opt out of non-essential communications by contacting us via email.

21. Contact Information

For any questions, concerns, or requests regarding this Privacy Policy, please contact: