Karbon Forex Terms & Conditions

Terms and Conditions

These terms and conditions (“Terms”) govern the Users (as defined below) availing the Services (as defined below) provided by Interropac Private Limited (“Company”, “we”, or “us”), with its registered office at No 326, Slate House, 2nd Floor, 1st Stage, Binnammangala, Indiranagar, Bangalore KA 560038 India, through its website available at www.karbonfx.com (the “Platform”), which may be made available to the Users by the Company.

These Terms also include our privacy policy available at www.karbonfx.com/privacypolicy, and any other guidelines, additional terms, policies, or disclaimers made available by us from time to time or any agreement executed between the Parties.

These Terms may be updated by us from time to time. You can always review the most current version of these Terms on the Platform. If, at any point in time, you do not agree to these Terms or if you cannot comply with the requirements set forth herein, you should not view, use, or access the Platform in any manner whatsoever.

As a User Representative (as defined below), you represent that: (a) you are entering into these Terms on behalf of the User; (b) the Account (as defined below) is for and held in the name of the User; (c) the User has full legal capacity and is duly incorporated and validly existing under the laws of India; and (d) you have full legal capacity and authority to bind yourself and the User to these Terms.

1) Definitions

The following definitions apply in these Terms:

  • “Bank” means and includes such bank which allows the User to successfully carry out the Transactions.
  • “Bank Account” means the bank account set up, operated and maintained by the User with the Bank.
  • “Confidential Information” shall mean any information shared by the Company, in writing or orally, including but not limited to:
    (i) data or information that is proprietary in nature and not generally known to the public, whether in tangible or intangible form;
    (ii) information pertaining to trade secrets, patents, patent applications, copyrights, know-how, works-in-progress, processes, ideas, inventions (whether patentable or not), formulas, computer programs, databases, names and expertise of employees and consultants, business plans, projections, operations, sales information, any other technical, business, financial, customer data and product development plans, reports, flow charts, supplier information, forecasts, works-in-progress strategies and other confidential information of the Company;
    (iii) discussions and negotiations taken place concerning the Services and the status of those discussions and negotiations; and
    (iv) Derived Confidential Information. Confidential Information need not be novel, unique, patentable, copyrightable or constitute a trade secret in order to be designated as Confidential Information.
  • “Derived Confidential Information” shall mean any information, findings, data, or analysis derived by the User from the Confidential Information of the Company, whether directly or indirectly.
  • “Governmental Authority” shall mean any judicial or quasi-judicial authority or any regulatory, statutory authority of any such territory where the Company is offering its Services.
  • “Parties” shall mean the Company and the User collectively.
  • “Services” means and includes all the services provided by the Company through its Platform, to facilitate the Transactions, and other value-added services and products that may be offered from time to time.
  • “Transaction(s)” means remittances undertaken by the User through the Bank Account.
  • “User” shall mean any entity that avails the Services offered by the Company through the Platform.
  • “User Representatives” shall include the employees, agents, representatives of the User who are authorised by the User to use and access the Platform.
  • “you” or “your” shall mean the User and the User Representative collectively.

2) Platform

To access the Platform, the User shall create and operate accounts on the Platform (“Account”). The Account may be operated only by User Representatives.

You represent that you have all rights required to provide the information to the Company for availing the Services and that all information provided by you to the Company is complete, true, and accurate.

You are responsible for maintaining the confidentiality of your username(s) and password(s) assigned during the Account registration process, and agree to immediately notify us of any actual or suspected unauthorised use of the Account or any other breach of security, including any unauthorised disclosure of the username or password by the User Representatives.

You must ensure that you log out from the Account at the end of each session to prevent any misuse. You shall be responsible, liable, and accountable for all actions that take place through your Account. The Company shall in no manner be liable for any actions that take place through your Account including but not limited to hacking and security breaches.

The Company reserves, at its sole discretion, the right to suspend the Account if it is of the opinion that the Account is being accessed by any unauthorised party.

You must comply with all applicable laws and regulatory requirements, including privacy laws and intellectual property laws, in using or accessing the Platform.

The User shall at all times be liable for any act and omission of the User Representatives.

3) Obligations of the User

  • All Users will be required to provide the Company with such details and documents (“Information”) as may be required by the Company from time to time in order to provide the Services.
  • In the event of any changes in the Information provided, the User shall update such changes by sending the updated Information to www.karbonfx.com via the User’s registered email id.
  • If the Information provided by the User is not acceptable to the Company, the Company shall not grant the User the right to use and access the Platform. If onboarding is declined due to insufficient or invalid Information, the Company shall refund to the User the Fees collected during such onboarding process.
  • After onboarding, if it comes to the knowledge of the Company or the Company suspects that the Information provided by the User is false or fraudulent, the User’s access to the Platform will be terminated immediately and the Fees paid by the User (if any) shall be forfeited.

4) Prohibited Uses

You shall not:

  1. use the Platform in any manner except as expressly permitted in these Terms;
  2. modify or create derivative works based upon the Platform;
  3. reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Platform;
  4. access and/or utilise Confidential Information to build a similar or competitive product;
  5. sublicense, resell, rent, lease, distribute, market, or otherwise transfer usage or other rights to the Platform or modify or alter any part of the Platform;
  6. use any robot, crawler, other automated device, or manual process to monitor or copy any part or the whole of the Platform;
  7. use the Platform (i) in any unlawful manner, (ii) for fraudulent or malicious activities, or (iii) in any manner inconsistent with these Terms;
  8. probe, scan, or test the vulnerability of any system or network;
  9. breach or otherwise circumvent any security or authentication measures;
  10. access, store, distribute, or transmit any viruses on the same device as the Platform;
  11. access, search, or create accounts for the Platform by any means (automated or otherwise) other than our publicly supported interfaces (e.g., “scraping” or creating accounts in bulk) or attempt to do so;
  12. “frame”, “mirror”, or otherwise incorporate any part of the Platform into any other website without our prior written authorization;
  13. deep-link to any portion of the Platform (including, without limitation, the purchase path for any service) for any purpose without our express written permission;
  14. conduct surveys, contests, or pyramid schemes, or promote or advertise products or services without appropriate authorisation; and
  15. undertake activities that are in violation of applicable law.

5) Intellectual Property

5.1 Right to Use

Subject to the User’s payment of applicable Fees, we grant you a royalty-free, non-assignable, non-transferrable, non-sublicensable, non-exclusive and revocable license to access and use our Platform, in accordance with these Terms.

5.2 Ownership

Subject to the limited right granted in Clause 5.1, all rights, title, and interest in and to the Platform, including all intellectual property rights in relation to the Platform, are owned by or otherwise licensed to the Company.

5.3 Feedback

The Company may request you to submit suggestions and other feedback, including bug reports, relating to the Platform from time to time (“Feedback”). The Company may freely use, copy, disclose, create derivative works, publish, display, distribute, and exploit the Feedback without any payment of royalty, acknowledgement, prior consent, or any other form of restriction arising out of your intellectual property rights.

5.4 Use of Services

The Platform, domain name, and any other linked pages, features, content, or application services (including without limitation any mobile application services) offered from time to time are owned and operated by us. Subject to these Terms, we may allow you to use the Services solely for your own use, and not for the use or benefit of any third party.

6) Fees

The fees charged by the Company for the Services and the payment terms for the same shall be set forth on the Platform or the Customer Agreement (“Fees”).

7) Foreign Inward Remittance Services

If you are opting for our foreign inward remittance services, you additionally agree that your use of the Platform processing service to receive export payments is subject to the XFlow Connected User Terms of Service (“Connected User ToS”) available at https://docs.xflowpay.com/connected-user-agreement/, which are hereby incorporated by reference. Please click on the link provided to read the Connected User ToS. In order to use the Platform processing service, you consent to and agree to be bound by the Connected User ToS. The Connected User ToS may be updated from time to time. You are expected to check the link provided above for any such updates. Your continued use of the Platform processing services to receive export payments will be considered as your acceptance of the updated Connected User ToS.

8) Third-Party Content

The Platform may contain links to third-party content. You understand that third-party content is the responsibility of the third party that created or provided it and the Company excludes all warranties and liabilities pertaining to such third-party content available on the Platform through such links. You acknowledge that the use of such third-party content through such links is solely at your own risk.

All intellectual property rights in and to third-party content are the property of the respective third parties.

The Company does not control, endorse, sponsor, or adopt any third parties referenced on the Platform, and makes no representations or warranties of any kind regarding such third-party content, including, without limitation, its accuracy or completeness.

9) Disclaimers and Warranties

You acknowledge and agree that:

  • your use of the Platform is at your sole risk;
  • the provision of Services will be dependent upon the User providing the Company with such Information in a timely manner as may be required by the Company during the Term;
  • all Information that you provide on the Platform or in relation to the Services is complete, true, and correct and shall continue to be complete, true, and correct while you avail the Services. We do not accept any responsibility or liability for any loss or damage that you may suffer or incur if any Information provided to avail the Services is incorrect, incomplete, inaccurate, misleading, or if you fail to disclose any material fact;
  • we do not, in any manner, process any remittances undertaken pursuant to a Transaction, and accordingly, we will not be (i) liable to any person in relation to any such remittances; (ii) under an obligation to mediate between the Bank and the User;
  • each arrangement confirmed among the Users shall be an arrangement entered into directly and only amongst such parties. We shall in no event be liable for the acts and omissions of any third parties involved in the Transactions;
  • we shall in no event be liable to you for any acts or omissions of the Bank, including but not limited to failure of the Bank to make the required remittances; rejection of the Bank, at any stage, of any Transaction;
  • The Company does not own, control, recommend or endorse any information, content that is made available through the Platform and disclaims all liabilities or warranties arising out of or in connection with such information, and content.
  • The Company does not own, control, recommend or endorse any information, content that is made available through the Platform and disclaims all liabilities or warranties arising out of or in connection with such information, and content.
  • to the extent permitted by applicable law, the Platform is provided on an “as is” and “as available” basis. The Company does not warrant that operation of the Platform will be uninterrupted or error free or that the functions contained in the Platform will meet your requirements;
  • to the fullest extent permissible under applicable law, the Company expressly disclaims all warranties of any kind, express or implied, arising out of the Platform, including warranties of merchantability, fitness for a particular purpose, satisfactory quality, accuracy, title and non-infringement, compatibility, applicability, usability, appropriateness, and any warranty that may arise out of course of performance, course of dealing, or usage of trade;
  • you accept full responsibility for any consequence that may arise from your use of the Platform, and expressly agree and acknowledge that the Company shall have absolutely no liability with respect to the same;
  • to the fullest extent permissible by applicable law, the Company, its affiliates, and its related parties each disclaim all liability to you for any loss or damage arising out of or due to: (i) your use of, inability to use, or availability of or unavailability of the Platform, including any third-party services made available through the Platform; (ii) the occurrence or existence of any defect, interruption, deletion of files, delays in the operation or transmission of information to, from, or through the Platform, communications failure, theft, destruction, or unauthorised access to the Company’s records; (iii) programs, services, server, or other infrastructure relating to the Platform; (iv) the Platform being infected with any malicious code or viruses; (v) any currency fluctuations; and (vi) the failure of the Platform to remain operational for any period of time.

10) Consent to Use Data

You acknowledge and agree that:

  • in connection with Services provided by the Company, the Company may share the Information (including any personal information) in accordance with its privacy policy;
  • we may also use the data to send communications to you (through any medium whatsoever), which may include marketing materials such as newsletters and updates about the Services or Platform;
  • the Company may use information and data pertaining to your use of the Platform and Services for analytics, trends identification, and purposes of statistics to further enhance the effectiveness and efficiency of the Platform;
  • the Company may be directed by Governmental Authorities to disclose data in relation to Users in connection with proceedings. You understand and agree that in such instances, the Company shall have the right to share such data with such Governmental Authority.

11) Term & Termination

  • These Terms shall remain in effect unless terminated in accordance with the terms hereunder.
  • The Company may terminate the Account or your access to the Platform, immediately and at any time, at its sole discretion, including but not limited to, any violation or breach by the User of any of its obligations, responsibilities, or covenants under these Terms.
  • The User may request termination of the Account by writing to us at forex@karboncard.com with a thirty-day notice period.

Upon termination: (a) the Platform and Services will “time-out”; (b) the User shall not be eligible to use and/or access the Platform and avail any Services; and (c) these Terms shall terminate, except for those clauses that expressly or are intended to survive termination or expiry.

12) Indemnity

You shall on demand indemnify, defend at the Company’s option, and hold the Company, its parent companies, subsidiaries, affiliates, officers, associates, successors, assigns, licensors, employees, directors, agents, and representatives, harmless from and against any claim, demand, lawsuits, judicial proceeding, losses, liabilities, damages and costs (including, without limitation, from all damages, liabilities, settlements, costs and attorneys’ fees) due to or arising out of: (i) your use and access of the Platform and Services, or (ii) any violation of these Terms or the Customer Agreement, or (iii) any third-party infringement claim arising out of the information (including Information) provided by you.

13) Limitation of Liability

Notwithstanding anything to the contrary contained herein, neither the Company nor its affiliates nor any related party shall be liable to you for any direct, indirect, incidental, special or consequential damages or any loss of revenue or profits arising under, directly or indirectly, or relating, in any manner whatsoever, to the Terms.

To the maximum extent permitted by applicable law, the User agrees to waive, release, discharge and hold harmless the Company, its affiliated and subsidiary companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of the Platform and Services.

The total aggregate liability of the Company to you or any third party, whether in contract, tort, negligence or otherwise, howsoever arising, whether in connection with these Terms, your access and use of the Platform and functionalities, shall in no event exceed INR 5,000 (Rupees Five Thousand).

14) Modification

The Company reserves the right at any time to add, modify or discontinue, temporarily or permanently, the Platform (or any part thereof) with or without notice or cause. You agree and acknowledge that the Company shall not be liable to you or to any third party for any such addition, modification, suspension, or discontinuation of the Platform.

Additionally, the Company reserves the right at any time to modify these Terms and to add new or additional terms or conditions on your use of the Platform. Such modifications and additional terms and conditions will be communicated to you and, unless expressly rejected, will be effective immediately and will be incorporated into these Terms. In the event you refuse to accept such changes, you should not view, use, or access the Platform in any manner.

15) Severability

If any provision of these Terms is determined by any court or other competent authority to be unlawful or unenforceable, the other provisions of these Terms will continue in effect. If any unlawful or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect (unless that would contradict the clear intention of the paragraph, in which case the entirety of the relevant provision will be deemed to be deleted).

16) Assignment

You agree that the Company may assign, transfer, sub-contract or otherwise deal with the Company’s rights and obligations under these Terms. The User shall not, without the Company’s prior written consent, assign, transfer, sub-contract or otherwise deal with any of the User’s rights and obligations under these Terms.

17) Third-Party Rights

No third party shall have any rights to enforce any Terms contained herein.

18) Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India and any dispute concerning these Terms shall be subject to the exclusive jurisdiction of courts at Bangalore, India.

Any dispute or claim arising out of or in connection with or relating to these Terms or their breach, termination, or invalidity shall be referred to and finally resolved by arbitration in Bengaluru in accordance with the Arbitration and Conciliation Act, 1996 for the time being in force, which rules are deemed to be incorporated by reference in this clause.

Within 30 (thirty) days of the issue of a notice of dispute, the Parties shall mutually agree on the appointment of a sole arbitrator. If such mutual agreement is not arrived at within the aforesaid 30 (thirty) days’ period, the Parties shall appoint such sole arbitrator in accordance with the Arbitration and Conciliation Act, 1996.

The seat of arbitration shall be Bengaluru and the arbitration proceedings shall be conducted in the English language.

The Parties agree to keep the arbitration confidential and not disclose to any person, other than those necessary to the proceedings, any information, transcripts, or award unless required by Applicable Law. The decision of the arbitrator shall be final and binding on us/you hereto.

The Parties hereto agree that the consent for resolution of dispute through arbitration shall not preclude or restrain either Party from seeking suitable injunctive relief in appropriate circumstances from courts in Bengaluru.

The cost of arbitration shall be borne in a manner by the Parties as determined by the arbitrators. In the meantime, the Parties shall bear their own cost for the arbitration which shall be reimbursed as per the directions in the arbitral award.

19) Contact

If you have any questions, complaints, or claims with respect to the Services, you may contact us at forex@karboncard.com.‍