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1. Introduction

This Service Agreement ("Agreement") is entered into between the user ("User" or "You") and Peppertree.AI Pvt. Ltd. ("Company" or "We"), governing the use of the GIROPie platform ("Platform" or "Services"). This Agreement is supplementary to our Privacy Policy and Terms & Conditions and is aligned with applicable laws, including the Indian Contract Act, 1872, and the Information Technology Act, 2000. By using our Services, you agree to comply with these terms.

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2. Definitions

  • Platform: Services offered by Peppertree.AI Pvt. Ltd. through giropie.com, related applications, APIs, and other linked services.

  • User: Any individual or entity that registers and uses the Platform to manage credit invoice payments.

 

3. Services Offered

The Platform provides an automated invoice-to-cash management solution, including:

  • Auto-collection ("Pull") and payment processing ("Push") for credit invoices

  • Real-time cash flow visibility

  • API integration for B2B collections

  • Reconciliation, invoice factoring, and trade credit insurance

  • Integration with banking and financial institutions for payment automation

 

4. User Obligations

By using the Platform, you agree to:

  • Provide accurate and up-to-date business and personal information

  • Comply with all applicable laws and regulations

  • Use the Platform for legitimate business purposes only

Users must not:

  • Use the Platform for fraudulent transactions or money laundering

  • Violate intellectual property rights

  • Engage in activities harmful to other users or the Company

 

5. Data Usage and Privacy

We collect, process, and store data strictly for service provision, operational efficiency, and compliance. User data, including business details, invoices, and transaction records, will be handled per our Privacy Policy.

  • Data Collection: We collect user registration data, analytics, and transaction details.

  • Data Sharing: We do not sell or misuse personal data. Limited data may be shared with financial institutions for transaction processing and regulatory compliance.

  • Right to Erase: Users may request data deletion, subject to legal and compliance retention periods.

 

6. Security and Compliance

  • We implement industry-standard security measures to safeguard data.

  • Users must ensure secure access credentials and report unauthorized access immediately.

  • Compliance with financial regulations, KYC (Know Your Customer), and AML (Anti-Money Laundering) standards is mandatory.

 

7. Liability and Indemnity

  • The Company shall not be liable for delays, losses, or technical failures beyond its control.

  • Users shall indemnify the Company against any claims arising from misuse of the Platform.

  • The Company is not responsible for third-party services integrated with the Platform.

 

8. Fees and Payment Terms

  • Users agree to the applicable platform usage fees and transaction charges.

  • Fees may be revised with prior notice.

  • Failure to pay fees may result in service suspension.

 

9. Prohibited Activities

Users of the Platform acknowledge and agree not to host, display, upload, modify, publish, transmit, update, or share any information that:

  • Belongs to another person or entity without proper authorization or legal right to use such information.

  • Is grossly harmful, harassing, defamatory, obscene, pornographic, paedophilic, libellous, invasive of privacy, hateful, racially or ethnically objectionable, or encouraging unlawful activities, including but not limited to money laundering and gambling.

  • Harms minors in any way, including but not limited to exposing them to inappropriate content or soliciting personal information.

  • Infringes on intellectual property rights, including patents, trademarks, copyrights, or trade secrets, without proper authorization.

  • Violates any applicable laws, regulations, or guidelines set forth by regulatory authorities.

  • Intends to deceive or mislead recipients about the origin of messages, create false identities, or communicate offensive or menacing information.

  • Impersonates another individual, business entity, or government body with malicious intent.

  • Contains software viruses, malware, ransomware, or any other code that could disrupt, damage, or compromise the security or functionality of any system.

  • Threatens the unity, integrity, security, or sovereignty of India, disrupts public order, or incites violence or commission of a criminal offense.

Upon obtaining knowledge of such violations, either through internal monitoring or a complaint, the Company will act within 36 hours to disable such content. The Company may also preserve records of such information for at least 90 days for investigative purposes.

 

10. Termination

The Company reserves the right to terminate user access for violations of this Agreement, illegal activities, or failure to comply with regulatory requirements.

 

11. Governing Law and Dispute Resolution

This Agreement shall be governed by the laws of India. Any disputes shall be resolved through arbitration in Bangalore, India, under the Arbitration and Conciliation Act, 1996.

 

12. Cookie Policy

The website and Platform uses cookies and similar technologies to enhance user experience, analyze site traffic, and provide personalized content. By using the Platform, you consent to our use of cookies. Users may manage cookie preferences through their browser settings.

Types of cookies we use:

  • Essential Cookies: Necessary for platform functionality.

  • Analytics Cookies: Help us understand usage patterns and improve services.

  • Marketing Cookies: Used for personalized content and promotional activities.

Users can disable cookies, but this may affect platform functionality.

 

13. Contact and Grievance Redressal

For complaints or concerns, contact our Grievance Officer:

 

Name: Krishna Kumar B S
Address: No 1139, Maruthi Complex, 3rd Floor, BEML Layout, 3rd Stage, Raja Rajeshwari Nagar, Bangalore – 560098, Karnataka, India
Phone: +81 89510 65761
Email: getinfo@peppertree.ai

By using our Platform, you acknowledge and agree to this Service Agreement.

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