Terms & Conditions

1. Introduction

Welcome to Desquad Design Pvt Ltd ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of our website, services, and any related applications or platforms (collectively, the "Services") operated by Desquad Design Pvt Ltd.

By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Services.

2. Our Services

Desquad Design Pvt Ltd provides creative and AI-driven marketing services including but not limited to:

• Strategy & Consulting
• Viral Shoots & Edits
• Personal Branding
• Social Media Marketing
• Performance Marketing & Meta Ads
• Website Design & Development
• Content Management
• AI Agent Services (Desquad Drive AI)
• SEO Services

3. Merchant Terms and Conditions for Online Payment Aggregation Services (Service Fee Model)

These terms govern the use of payment aggregation services provided by Desquad Design Pvt Ltd:

• All payments are processed securely through authorized payment gateways
• Service fees are clearly disclosed before payment confirmation
• Refunds are processed according to our refund policy
• Payment disputes must be reported within 30 days of transaction
• We comply with all applicable payment processing regulations

4. Merchant Cum Customer Protection Fund – Claims Procedure

In case of disputes or claims, customers and merchants can approach our customer protection fund:

• All claims must be submitted within 30 days of the transaction date
• Claims must include proper documentation and evidence
• We will investigate all claims within 7-14 business days
• Resolution will be communicated via email or phone
• Appeals can be made within 15 days of initial resolution

5. Banned & Restricted List of Businesses

We do not provide services to the following types of businesses:

• Adult content and services
• Gambling and betting operations
• Illegal substances or activities
• Counterfeit goods and services
• Money laundering activities
• Pyramid schemes or multi-level marketing
• Hate speech or discriminatory content
• Weapons and ammunition

6. List of Issuers covered under Payment mechanisms

We support payments from all major banks and financial institutions including:

• State Bank of India (SBI)
• HDFC Bank
• ICICI Bank
• Axis Bank
• Kotak Mahindra Bank
• Punjab National Bank
• Bank of Baroda
• All UPI-enabled banks and payment apps
• Major credit and debit card networks (Visa, Mastercard, RuPay)

7. Terms and Conditions for Split Pay Services

Split pay services allow automatic distribution of payments to multiple parties:

• All parties must agree to the split configuration before processing
• Split percentages are defined in the service agreement
• Minimum split amount restrictions may apply
• Split pay settlements occur within 2-3 business days
• Transaction fees are distributed proportionally

8. Merchant Terms and Conditions for Online Payment Aggregation Services (Internet Handling Charge Model)

Internet handling charges apply to all online transactions:

• Rates are competitive and transparent with no hidden fees
• Charges are clearly displayed before payment confirmation
• Different rates may apply for different payment methods
• Volume-based discounts are available for high-transaction merchants
• Monthly statements detail all charges and fees

9. Components of Optional Technology Services Suite for UPI

Our UPI technology suite includes comprehensive services:

• Real-time transaction monitoring and alerts
• Advanced fraud detection and prevention
• Automated reconciliation services
• API integration support
• 24/7 technical support
• Detailed analytics and reporting
• Compliance monitoring and reporting

10. Terms & Conditions for Bundled Packages

Bundled packages offer comprehensive solutions at discounted rates:

• All services in the bundle must be utilized within the specified timeframe
• Package pricing is valid for the duration specified in the agreement
• Individual service modifications may affect bundle pricing
• Unused services in bundles are non-refundable
• Bundle renewals are subject to current pricing

11. Intellectual Property Rights

All content, designs, and materials created by Desquad Design Pvt Ltd are subject to intellectual property protection:

• Client receives usage rights upon full payment
• Desquad retains portfolio and promotional rights
• Third-party assets are licensed appropriately
• Copyright infringement claims will be addressed promptly

12. Limitation of Liability

To the maximum extent permitted by law, Desquad Design Pvt Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

13. Privacy Policy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Services. By using our Services, you agree to the collection and use of information in accordance with our Privacy Policy.

14. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

15. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

16. Governing Law

These Terms shall be interpreted and governed by the laws of India. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in Coimbatore, Tamil Nadu, India.