Terms & Conditions — Naysa Platform

“Platform” means Naysa’s software products, web applications, dashboards, APIs, modules, and related documentation.

“Services” means SaaS access and related support, including modules such as Travel ERP, Insurance CRM, FFMC/Forex tooling, FinTech workflows, Gift Cards & Rewards, and B2B CRM.

“Client” means any legal entity or business that subscribes to or uses the Platform.

“User” means individuals authorized by a Client to access the Platform.

“Regulated Activity” means any activity requiring licenses or approvals from regulators (including RBI/IRDAI/NPCI/others) or governed by applicable laws.

Interpretation: Headings are for convenience only; singular includes plural; references to “include” are non-exhaustive.

Naysa provides a multi-tenant SaaS Platform with configurable modules, role-based access, maker-checker approvals, audit trails, and API integrations.

The Platform may support workflows for travel operations, insurance distribution, forex operations, payment/collection orchestration, gift card lifecycle management, and sales/CRM operations.

Important: Naysa provides technology infrastructure only and does not itself undertake regulated financial, forex, insurance, or payment activities unless expressly licensed and contractually agreed.

Clients are solely responsible for determining whether their use of the Platform constitutes a Regulated Activity and for obtaining/maintaining all necessary registrations, licenses, approvals, and compliance frameworks.

Where modules relate to forex/FFMC, insurance, or payments, Clients must comply with all applicable laws (including FEMA and RBI directions, IRDAI regulations, PSS Act/NPCI rules, GST/Income Tax, and any other sectoral requirements as applicable).

Naysa does not provide legal, regulatory, tax, or compliance advice. Platform configurations, templates, and automation features are facilitative only.

Indemnity trigger: Client agrees to indemnify and hold Naysa harmless from any claims, penalties, or actions arising from Client’s non-compliance or misuse of the Platform for regulated activities.

By using the Platform, you represent you have authority to bind your organization and that all information provided is accurate and up to date.

Clients are responsible for User access management, credential security, RBAC assignments, maker-checker setup, and all actions performed under their accounts.

Naysa may require verification/authorizations for enterprise onboarding.

Services are offered on subscription and/or enterprise contract basis. Pricing, taxes (including GST), invoicing cycle, and payment terms are defined in your order form/contract.

Non-payment may result in suspension or termination. Unless expressly agreed in writing, fees are non-refundable.

Pricing may be revised with prior notice (e.g., 30 days) subject to contract terms.

Naysa retains all right, title, and interest in and to the Platform, including software, UI/UX, architecture, APIs, documentation, trademarks, and all derivatives.

Clients receive a limited, non-exclusive, non-transferable license to access the Platform during the subscription term, subject to these Terms.

Clients may not reverse engineer, copy, clone, resell, sublicense, or create derivative works from the Platform except as permitted under a written white-label agreement.

Feedback or suggestions may be used by Naysa without restriction or obligation.

You may not use the Platform for unlawful activities including fraud, money laundering, terrorist financing, unauthorized forex/insurance issuance, identity abuse, data scraping, or cyber-attacks.

Naysa may suspend access immediately if misuse is suspected to protect systems, users, and third parties.

Clients are responsible for their end-customer KYC/AML obligations as applicable.

API access may be rate-limited and requires secure token management. Client is responsible for integrations built using the APIs.

No resale, sublicensing, or exposing APIs to third parties without written permission.

API versions may be deprecated; Naysa will provide reasonable notice where feasible.

White-label services are governed by a separate partner agreement. Branding rights are limited and revocable per contract.

Non-circumvention: Partners may not bypass Naysa to replicate platform functionality, solicit Naysa clients, or misuse proprietary knowledge.

Non-solicitation: Hiring or inducing Naysa employees/contractors is prohibited for a specified period (as per agreement).

The Platform may integrate with banks, payment gateways, GDS providers, government portals, messaging services, and other third parties.

Naysa is not responsible for third-party downtime, changes, errors, or regulatory updates impacting such integrations.

Service availability targets (e.g., uptime) and support SLAs are defined in enterprise contracts. Scheduled maintenance may occur.

Beta features, if any, are provided “as-is” without SLA.

To the maximum extent permitted by law, Naysa will not be liable for indirect, incidental, special, consequential, or punitive damages, including loss of profits, business, goodwill, or data.

Naysa’s aggregate liability arising out of or relating to the Services will be limited to the fees paid by the Client for the Services in the preceding twelve (12) months, unless otherwise agreed in writing.

Naysa is not liable for regulatory penalties or actions arising from Client’s non-compliance or use of the Platform.

Client agrees to indemnify, defend, and hold harmless Naysa from claims, losses, and expenses arising from Client’s misuse, unlawful activity, regulatory non-compliance, or breach of these Terms.