This End User Terms of Use (“Terms”) is an agreement between You (defined below) and Open Financial Technologies Private Limited (hereinafter referred to as “Open”, “We”, “Us” or “Our”) and applies to Your (defined below) access to and use of all products/services (“Services”) offered under the domain https://zwitch.io (referred to as “Platform”, which shall include all sub-domains related thereto), provided by Open to You, through a third-party application (“App”). You understand that you may have access to Open’s Services as an integral part of an App and these Terms will govern the use of such Services.

The Privacy Policy hosted at https://www.zwitch.io/privacy (“Privacy Policy”) is incorporated by reference into these Terms.

These Terms, the Privacy Policy and any other agreement that You have entered into with Open will be collectively referred to as “Agreements”.

By registering for, accessing and/or using the Services, You acknowledge that You have read, understood and agree to be legally bound by these Terms with immediate effect. You acknowledge that:

References in these Terms to “You” or “Your” or “End User” (or similar) are references to you as an individual or legal entity as the case may be.

If You do not agree to these Terms, You must not use or access or avail any Services. We reserve the right to modify or terminate any portion of the Platform or the Services offered by Us or amend the Terms for any reason, without notice and without liability towards You or any third party. To make sure You are aware of any changes, please review the Terms periodically. Open may require You to provide Your consent to the Terms, as updated, in a specified manner before any further use of Open’s Services and/or the Platform. If no such separate consent is sought, Your continued use of Open’s Services will constitute Your acceptance of such changes and the updated Terms will be effective from the time We publish it.  You may withdraw or vary Your consent for Us to provide the Platform to You at any time by providing Us a written intimation on letstalk@zwitch.io or support@zwitch.io .

These Terms are an electronic record in terms of Information Technology Act, 2000 (“IT Act”), the applicable rules thereunder and the provisions pertaining to electronic records under various statutes as amended by the IT Act. This electronic record is generated by a computer system and does not require any physical or digital signatures. These Terms are published in accordance with the provisions of Rule 3(1)(a) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 framed under the IT Act (as amended from time to time), that require publishing the terms of use for access or usage of the Platform and Services.
Unless otherwise defined, all capitalized terms used hereunder shall have the meaning ascribed to them as per these Terms.