Terms & Conditions

Welcome to ITBS Fintek Private Limited ("ITBS", "Company", "we", "our", or "us").

These Terms & Conditions govern the use of our website, products, software, communication platforms, applications, services, and business solutions available through www.itbs.co.in.

By accessing our website or using our services, you agree to comply with these Terms & Conditions.

If you do not agree with these terms, please discontinue use of our services.

ITBS Fintek Private Limited may provide:

• Lending Technology Solutions
• Financial Management Solutions
• Software Development Services
• Website Development Services
• Mobile Application Development
• SMS Services
• WhatsApp Business Services
• RCS Messaging Services
• IoT & Automation Solutions
• Business Support Services
• Training Services
• E-Commerce Services
• Online Product Sales
• SaaS Products
• Digital Products

The Company reserves the right to modify, discontinue, or update any service without prior notice.

Users must:

• Be at least 18 years of age
• Provide accurate information
• Use services for lawful purposes only
• Comply with applicable laws and regulations

Users agree:

• To provide correct information
• Not to misuse the website
• Not to attempt unauthorized access
• Not to use services for illegal activities
• Not to violate intellectual property rights

Users are solely responsible for the information they submit.

Customers may purchase:

• Physical Products
• Software Products
• Digital Products
• Mobile Applications
• SaaS Services
• IoT Devices
• Educational Products
• Business Services

Orders are subject to acceptance and availability.

The Company reserves the right to reject or cancel any order at its discretion.

All prices displayed are subject to change without prior notice.

Payments may be accepted through:

• UPI
• Net Banking
• Credit Cards
• Debit Cards
• Wallets
• Payment Gateway Partners
• Other approved payment methods

Customers agree to pay all applicable charges, taxes, and fees.

Certain services may require recurring payment authorization.

Customers may voluntarily authorize recurring payments using:

• UPI AutoPay
• eNACH
• Standing Instructions
• Other approved banking mechanisms

By authorizing recurring payments, customers consent to periodic debits according to the agreed service terms.

Customers may cancel mandates through their banking provider or as permitted under applicable regulations.

Software, digital products, and subscription services are licensed and not sold.

Customers receive limited usage rights according to the applicable service agreement.

Unauthorized copying, distribution, modification, or resale is prohibited.

Delivery timelines may vary depending on:

• Product availability
• Service requirements
• Customer location
• Technical implementation requirements

The Company will make reasonable efforts to fulfill deliveries within estimated timelines.

Refunds and cancellations are governed by our Refund & Cancellation Policy.

Customers are advised to review the applicable policy before making payments.

All website content, software, designs, logos, trademarks, graphics, and materials are the property of ITBS Fintek Private Limited unless otherwise stated.

Unauthorized use is prohibited.

To the maximum extent permitted by law, ITBS Fintek Private Limited shall not be liable for:

• Indirect damages
• Consequential damages
• Business interruption
• Loss of profits
• Loss of data
• Unauthorized third-party activities
• Technical failures beyond reasonable control

Certain services may involve third-party providers including:

• Payment Gateways
• Banking Institutions
• SMS Providers
• WhatsApp Business Providers
• Cloud Service Providers
• Logistics Partners

The Company is not responsible for the policies or actions of third-party service providers.

Use of our services is also governed by our Privacy Policy.

Users are encouraged to review our Privacy Policy for information regarding data collection and usage.

The Company may suspend or terminate access to services if:

• Terms are violated
• Fraudulent activity is detected
• Legal or regulatory requirements require such action

The Company shall not be liable for delays or failures caused by events beyond reasonable control, including:

• Natural disasters
• Internet outages
• Government actions
• Power failures
• Banking disruptions
• Cyber incidents

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India.

Any disputes arising from these Terms & Conditions shall be subject to the exclusive jurisdiction of the competent courts located in Vaishali, Bihar, India.

The Company reserves the right to update or modify these Terms & Conditions at any time.

Updated versions shall be published on this website.

For complaints, disputes, or grievances: