User Obligations

a) Users must not use the Super Power IT Consultants platform in ways that violate applicable laws, promote fraud, or expose the company to legal risks.
b) Users may only utilize bank account or card details within the platform strictly for completing legitimate transactions. Such details cannot be sold, shared, or misused unless lawfully obtained outside the platform.
c) Users must follow all terms and conditions of Super Power IT Consultants and may not alter, decompile, or reverse-engineer the platform without prior written authorization.
d) Users are responsible for providing accurate and up-to-date information as required under Know Your Customer (KYC) compliance.

Merchant Obligations

a) Merchants must comply with all applicable laws, rules, and regulations when using our payment platform.
b) Merchants are not permitted to process or settle transactions on behalf of other businesses.
c) Payments may not be accepted for refinancing or repaying existing debts.
d) Merchants must adhere to our data extraction and verification requirements related to payment instruments.
e) Customers must always be issued a receipt (digital or paper) reflecting the transaction details.
f) Merchants may not impose unauthorized surcharges, discounts, or financial charges connected to payment instrument transactions.
g) Merchants grant Super Power IT Consultants a non-exclusive, royalty-free license to use their name, logos, and trademarks for service-related marketing purposes.
h) Merchants authorize Super Power IT Consultants to include their business name in promotional or informational materials related to our services.
i) Merchants are required to implement appropriate security measures on their platforms (websites or apps) to securely accept payments.
j) Merchants must comply with all written instructions issued by Super Power IT Consultants concerning electronic transactions.
k) In case of disputes or fraudulent transactions, we reserve the right to refund the cardholder using the merchant’s funds. If funds are insufficient, recovery may be pursued through legal channels.
l) Merchants must provide accurate ownership and business details during verification. Any false information may lead to account suspension or penalties.

Transactions & Settlement

a) Super Power IT Consultants will process merchant settlements promptly, subject to unforeseen circumstances. In case of delays, merchants will be notified.
b) Transaction records must always reflect genuine, authorized transactions in compliance with this agreement.
c) Merchants are required to maintain electronic transaction records for at least five (5) years from the date of authorization.

General Obligations

a) Merchants must follow all general service provider policies outlined in this agreement.
b) Merchants must comply with national and international laws regarding the sale of goods and services via electronic transactions.
c) Merchants are responsible for fulfilling their customer obligations relating to product or service sales.

Accepting Payments for Goods & Services

a) Merchants may only accept payments for products or services directly offered to their customers.
b) Refunds, reversals, and transactions must relate solely to the merchant’s registered line of business.
c) Any changes in product or service offerings must be reported to Super Power IT Consultants in advance.
d) Merchants must share their website URL where payments are being accepted via our platform.
e) All authorized transaction data must be submitted to Super Power IT Consultants in compliance with applicable laws.
f) Merchants must refrain from actions that could harm the reputation of the company.
g) Merchants agree to indemnify Super Power IT Consultants against claims, liabilities, or losses resulting from customer obligations.

Disputes

a) Super Power IT Consultants will not mediate merchant-customer disputes and is indemnified against any consequences arising from them.
b) Merchants cannot deny returns or cancellations solely based on the payment method used.

Refunds & Chargebacks

a) In case of returns or cancellations, merchants must process refunds electronically to the cardholder, deducting applicable charges.
b) Merchants must retain supporting correspondence and transaction records for at least five (5) years.
c) Payments may be withheld if transactions lack proper authorization or if the terms of this agreement are violated.
d) In cases of fraud or disputes, refunds may be processed using merchant funds.
e) A service fee will be charged for each chargeback, either deducted from settlements or invoiced directly to the merchant.
f) Super Power IT Consultants is not liable for any costs, losses, or refunds associated with chargebacks, including subscription, integration, or security deposits.

Indemnity

a) Merchants indemnify Super Power IT Consultants against claims, liabilities, or financial losses resulting from their obligations to customers.
b) Merchants understand that the company provides only a payment facilitation solution and may itself be accountable to service providers if merchants fail to comply with rules.

Prohibited & Banned Items

Merchants are strictly prohibited from selling or promoting the following:

• Firearms & Ammunition

• Alcoholic Beverages

• Explosives & Hazardous Materials

• Pornography & Adult Services

• Live Animals

• Illegal Drugs or Controlled Substances

• Fireworks or Pyrotechnics

• Bulk Email/Spam Software

• Gambling & Betting Transactions

• Multi-level Marketing & Pyramid Schemes

• Work-from-home or Quick Money Schemes

• Website Promotion & Wire Transfer Products

• Any goods or services declared illegal in Pakistan

Confidentiality & Security

a) Merchants are responsible for maintaining the confidentiality of customer information on their website or app. Losses resulting from breaches, hacking, or poor security remain the merchant’s liability.
b) Merchants must safeguard the integrity of their integration with Super Power IT Consultants’ payment gateway. The company is not responsible for losses arising from compromised connections.

Copyrights & Trademarks

“Super Power IT Consultants (Private) Limited” and all related marks and content are the exclusive property of the company. No usage is permitted without prior written approval.

Third-Party Businesses

Our platform may feature services or products offered by third parties. Any such purchases are directly between the customer and the third party. Super Power IT Consultants is not liable for third-party actions.

Disclaimer

Services offered by Super Power IT Consultants are provided “as is” without any warranties. The company is not liable for damages resulting from the use or inability to use the platform.

Governing Law & Jurisdiction

This agreement shall be governed by the laws of Pakistan. Any disputes not resolved amicably shall be subject to the jurisdiction of the competent courts in Pakistan.