User and Merchant Obligations

User Obligations
a) Users agree not to utilize the teczero1 platform in any manner that violates laws or regulations, facilitates fraud, or exposes teczero1 or its platform to legal risks or actions.
b) Users may only use bank account or card details provided through merchant systems strictly for completing transactions. Sharing or selling this data is prohibited unless the information was independently obtained.
c) Users must adhere to teczero1’s terms and conditions and are strictly prohibited from modifying, reverse-engineering, decompiling, or disassembling the platform without prior written approval.
d) Users are required to submit accurate personal and business information in accordance with teczero1’s Know Your Customer (KYC) protocols.

Merchant Obligations
a) Merchants must fully comply with all applicable laws, regulations, and industry standards when using the teczero1 platform.
b) Merchants are prohibited from processing or depositing transactions on behalf of other businesses or entities.
c) Merchants must not accept payments from customers intended to refinance existing debt.
d) Merchants must follow teczero1’s guidelines for extracting data from payment instruments.
e) Merchants must provide customers with a valid transaction receipt—either digital or physical—clearly displaying the transaction amount.
f) Merchants are not permitted to impose additional surcharges, discounts, or finance charges for transactions involving payment instruments.
g) Merchants grant teczero1 a non-exclusive, royalty-free license to use their trademarks and logos for promotional and marketing purposes.
h) Merchants authorize teczero1 to reference their name in materials promoting teczero1 services.
i) Merchants are required to implement teczero1’s specified security measures on their websites or mobile applications for payment acceptance.
j) Merchants must follow all written instructions provided by teczero1 regarding the processing of electronic payments.
k) In the event of disputes, chargebacks, or fraudulent activity, teczero1 reserves the right to refund the cardholder using the merchant’s available funds. If insufficient, teczero1 may recover the amount through legal means.
l) Merchants must provide truthful and accurate information during business verification procedures. Falsification may result in penalties or account suspension.

Transaction & Settlement
a) teczero1 will endeavor to process settlements to merchants within the agreed timeline. In cases of unavoidable delay, merchants will be promptly notified.
b) All submitted transaction data must reflect legitimate and compliant transactions as outlined in this agreement.
c) Merchants must maintain records of electronic transactions for a minimum of five (5) years from the authorization date.

General Obligations
a) Merchants must comply with all general rules and policies established by teczero1 and its service providers.
b) Merchants are required to observe all relevant laws concerning the sale of goods and services through electronic transactions.
c) Merchants are solely responsible for fulfilling customer obligations regarding sold products or services.

Accepting Payments for Goods & Services
a) Merchants may accept payments only for products or services they directly sell to customers.
b) All payment processing and refunds must pertain to offerings that fall within the merchant’s declared business activities.
c) Merchants must inform teczero1 in writing before altering their product or service offerings.
d) Merchants must provide teczero1 with the website URL through which digital payments are accepted.
e) All customer-authorized transactions must be submitted to teczero1 in compliance with relevant laws and this agreement.
f) Merchants must avoid actions or conduct that could harm the reputation of teczero1.
g) Merchants agree to indemnify teczero1 against any claims or liabilities arising from their dealings with customers.

Disputes
a) teczero1 will not participate in disputes between merchants and customers and must be held harmless from any related legal or financial consequences.
b) Merchants must not refuse returns or service cancellations based on the customer’s payment method.

Refunds & Chargebacks
a) For returns or cancelled services, merchants must electronically process refunds to the cardholder for the net amount after deducting applicable fees.
b) Merchants are required to retain all related transaction correspondence for at least five (5) years.
c) teczero1 reserves the right to withhold merchant payments under circumstances including but not limited to unauthorized transactions, contract breaches, or failure to provide transaction details.
d) In the event of disputes or fraud, teczero1 may refund the affected cardholder using the merchant’s available funds.
e) Each chargeback will incur a service fee, which will either be deducted from the merchant’s settlement or billed directly.
f) teczero1 is not responsible for refunding charges related to subscriptions, setup fees, integrations, or security deposits.

Indemnity
a) Merchants agree to indemnify teczero1 and its affiliates against any customer-related claims or losses.
b) Merchants acknowledge that teczero1 acts solely as a payment processing intermediary and may face liability with its own partners if merchants fail to comply.

Prohibited & Banned Items
Merchants shall not sell or promote the following through teczero1:

• Firearms
• Alcohol
• Explosives
• Pornographic content
• Live animals
• Illegal or controlled substances
• Fireworks or pyrotechnics
• Hazardous materials
• Mass mailing software or mailing lists
• Gambling services
• Multi-level marketing schemes
• Matrix-based financial schemes
• Work-from-home job promotions
• Website traffic or promotion services
• Wire transfer-related services
• Any products or services deemed illegal under Pakistani law

Confidentiality & Security
a) Merchants must ensure that all customer data collected through their platforms is kept confidential and protected by adequate encryption and security practices. Any losses from security breaches are solely the merchant’s responsibility.
b) Merchants must ensure the integrity of the connection between their platform and teczero1’s payment gateway. teczero1 disclaims liability for losses resulting from compromised integration or third-party interference.

teczero1 Copyright and Trademarks
“teczero1” and its associated logos are trademarks or registered trademarks of the company. Unauthorized use or reproduction is prohibited. All website content and technology are the property of teczero1 and its licensors.

Third-Party Services
Products or services made available by third parties on the teczero1 platform are not managed by teczero1. Any such transactions are between the user and the third-party provider, and teczero1 bears no responsibility for their conduct or services.

Disclaimer
The teczero1 platform and services are provided “as is.” teczero1 makes no warranties and will not be held liable for damages or losses arising from the use or inability to use the platform.

Governing Law and Jurisdiction
This agreement is governed by the laws of Pakistan. Any disputes not resolved amicably will be subject to the exclusive jurisdiction of the courts in Pakistan, whose decisions shall be binding on all involved parties.