Legal.

Terms of Use

Effective date: 20 August 2026  ·  Last updated: 20 August 2026

These Terms of Use ("Terms") govern your access to and use of the Vrikalytics website.

The website is operated by VRIKALYTICS SOLUTIONS PRIVATE LIMITED, a private limited company incorporated in India and operating under the name "Vrikalytics" ("Vrikalytics," "we," "us," or "our").

By accessing or using the website, you agree to these Terms. If you do not agree, please do not use the website.

1. About Vrikalytics

Vrikalytics provides financial-technology consulting, architecture, software development, systems integration, modernization, testing, and engineering-support services to businesses operating in India.

Our areas of expertise may include:

  • Payment-switch technology
  • Mandate and recurring-payment systems
  • Payout orchestration systems
  • Verification infrastructure
  • Risk-management systems
  • Reconciliation and settlement systems
  • Dispute and exception management
  • Financial ledgers
  • Financial-operations platforms
  • Bank and ecosystem integrations

References to these capabilities describe areas in which we design and develop technology for clients.

Unless expressly agreed in a separate written contract, Vrikalytics does not:

  • Provide banking or lending services
  • Provide payment-processing services
  • Hold, collect, transfer, or settle customer funds
  • Operate a payment system or payment network
  • Act as a payment aggregator
  • Provide direct access to regulated payment systems
  • Provide legal, regulatory, tax, investment, or financial advice

Access to regulated systems and financial services depends on each client's authorized banking relationships, ecosystem partnerships, licences, approvals, and regulatory responsibilities.

2. Website Information

The website and its content are provided for general informational and business-development purposes.

Website content does not constitute:

  • A binding offer
  • A technical specification
  • A service commitment
  • A guarantee of availability or performance
  • A representation that a system is appropriate for every organization
  • Legal, regulatory, compliance, tax, financial, or investment advice
  • Confirmation that a service is available in every situation or jurisdiction

Any project scope, deliverables, responsibilities, timelines, fees, warranties, service levels, intellectual-property rights, and support obligations will be governed exclusively by a separate written agreement signed by the relevant parties.

3. Eligibility and Intended Market

The website is intended for individuals acting in a professional or business capacity on behalf of organizations operating in India.

By using the website or submitting an enquiry, you represent that:

  • You are legally capable of agreeing to these Terms
  • The information you provide is accurate to the best of your knowledge
  • You have authority to act for the organization you represent, where applicable
  • Your use of the website complies with applicable law

4. Permitted Use

You may access and use the website for lawful informational and internal business purposes.

You must not:

  • Attempt to gain unauthorized access to the website or related systems
  • Probe, scan, or test a system for vulnerabilities without written authorization
  • Introduce malware, malicious code, or harmful material
  • Interfere with the website's operation, security, or availability
  • Overload or disrupt website infrastructure
  • Circumvent security or access controls
  • Scrape or systematically extract website content without permission
  • Impersonate another person or misrepresent your affiliation
  • Submit unlawful, fraudulent, abusive, defamatory, or infringing material
  • Use website content to create or promote a competing commercial offering
  • Use the website in a way that violates another person's legal or intellectual-property rights

We may restrict or terminate access if we reasonably believe that these Terms have been violated or that access creates a security, operational, or legal risk.

5. Enquiries and Project Submissions

You may use the website to submit an enquiry or describe a potential project.

Submitting an enquiry:

  • Does not create a client relationship
  • Does not create a confidential or fiduciary relationship
  • Does not create a partnership, agency, employment, or joint venture
  • Does not require Vrikalytics to accept or respond to the project
  • Does not reserve engineering resources
  • Does not establish pricing or a delivery schedule
  • Does not constitute a binding service agreement

Do not submit source code, access credentials, payment information, government identification numbers, personal financial information, production data, or confidential business information before suitable confidentiality and service arrangements are in place.

6. Intellectual Property

The website and its content — including text, graphics, visual design, layout, branding, software, icons, documentation, and other materials — are owned by or licensed to Vrikalytics and are protected by applicable intellectual-property laws.

Vrikalytics grants you a limited, non-exclusive, non-transferable, revocable right to access and view the website for legitimate personal or internal business purposes.

You may not, without prior written permission:

  • Reproduce or republish substantial website content
  • Modify, distribute, sell, or commercially exploit website content
  • Create derivative works from protected content
  • Reverse engineer website software except where expressly permitted by law
  • Remove ownership, copyright, or trademark notices
  • Use Vrikalytics branding in a way that suggests endorsement or affiliation

No ownership or intellectual-property rights are transferred to you through your use of the website.

"Vrikalytics," its logo, and associated branding may not be used without authorization. Third-party names, trademarks, and technologies belong to their respective owners.

7. Information You Submit

You retain ownership of information you submit through the website.

You authorize Vrikalytics to use that information as reasonably necessary to:

  • Review and respond to your enquiry
  • Communicate with you
  • Understand your requirements
  • Evaluate a potential engagement
  • Prepare a proposal
  • Maintain appropriate business, security, and compliance records
  • Protect our legal rights

You represent that:

  • You have the right and authority to submit the information
  • The information does not infringe third-party rights
  • Submitting the information does not violate a contract or confidentiality obligation
  • The information is not unlawful, misleading, or harmful

Personal data is handled as described in our Privacy Policy.

8. No Unsolicited Marketing

Vrikalytics may use the information you submit to respond to your enquiry and communicate about an existing or potential business relationship.

We do not use website enquiries to send unsolicited promotional or marketing emails.

9. Third-Party Services and References

The website may reference or link to third-party websites, financial institutions, payment networks, standards, service providers, or technologies.

Unless expressly stated, such references do not imply:

  • Partnership
  • Sponsorship
  • Endorsement
  • Certification
  • Authorization
  • A direct commercial relationship

Vrikalytics does not control third-party services and is not responsible for their content, availability, accuracy, security, terms, or privacy practices.

Your use of a third-party service is governed by that party's terms and policies.

10. No Warranty

To the maximum extent permitted by applicable law, the website and its content are provided on an "as is" and "as available" basis.

Vrikalytics does not warrant that:

  • The website will always be available or uninterrupted
  • The website will be completely secure or error-free
  • All information will always be complete, accurate, or current
  • Defects will be corrected immediately
  • The website will be free from viruses or harmful components
  • Any described capability will meet your specific requirements
  • A particular technical, commercial, regulatory, or compliance outcome will be achieved

You are responsible for independently evaluating website information before relying on it.

Nothing in these Terms excludes any warranty, duty, or right that cannot lawfully be excluded.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Vrikalytics and its directors, employees, contractors, representatives, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive loss arising from:

  • Access to or use of the website
  • Inability to access or use the website
  • Reliance on website content
  • Third-party links or services
  • Unauthorized access caused by circumstances beyond our reasonable control

This includes loss of profits, revenue, business, opportunity, goodwill, data, or anticipated savings.

Nothing in these Terms limits liability where such limitation is prohibited by law.

These limitations apply only to the website. Liability relating to paid services will be governed by the applicable written service agreement.

12. Indemnity

To the extent permitted by law, you agree to indemnify and hold Vrikalytics harmless from third-party claims, losses, liabilities, and reasonable costs arising from:

  • Your unlawful use of the website
  • Your material violation of these Terms
  • Information submitted by you without the necessary authority
  • Your infringement of another party's rights

13. Privacy

Our collection and handling of personal data through the website are described in our Privacy Policy, which forms part of these Terms by reference.

14. Website Changes and Availability

We may update, suspend, restrict, or discontinue any part of the website without prior notice.

We are not responsible for temporary unavailability caused by maintenance, service-provider failures, security events, network conditions, or circumstances outside our reasonable control.

15. Changes to These Terms

We may revise these Terms to reflect changes in our website, services, business practices, or legal obligations.

Updated Terms will be published on this page with a revised "Last updated" date. Your continued use of the website after publication of revised Terms constitutes acceptance of those Terms, subject to applicable law.

16. Governing Law and Jurisdiction

These Terms are governed by the laws of India.

Subject to any mandatory legal rights, the courts located in Bangalore, Karnataka will have exclusive jurisdiction over disputes arising from these Terms or your use of the website.

17. General Provisions

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue in effect.

A failure or delay in enforcing a provision does not waive the right to enforce it later.

You may not transfer your rights or obligations under these Terms without our prior written consent.

We may transfer our rights and obligations in connection with a merger, acquisition, restructuring, financing, or transfer of our business.

These Terms and the Privacy Policy constitute the complete agreement concerning use of the website. Separate written agreements govern client engagements.

18. Contact

Questions about these Terms may be sent to info@vrikalytics.com.