1. Introduction
These terms and conditions ("Terms") govern your use of the payment gateway services provided by SmartLynQ. By using our payment services, you agree to comply with and be bound by these Terms.

2. Payment Methods
We accept various forms of payment, including credit/debit cards, net banking, and other electronic payment methods as displayed on our platform. All payments must be made in Indian Rupees (INR).

3. Payment Confirmation
Once a payment is made, you will receive a confirmation via email/SMS with details of the transaction. Please retain this confirmation for future reference.

4. Refunds and Cancellations
Refunds and cancellations are subject to our refund policy. Please review the refund policy before making any payment. In case of any discrepancies, contact our customer support team within [X] days of the transaction.

5. Security
We take the security of your payment information seriously. Our payment gateway is secured with the latest encryption technology to ensure that your data is protected. However, you are responsible for maintaining the confidentiality of your payment details.

6. Disputes
Any disputes related to payments will be handled in accordance with our dispute resolution process. Please contact our support team if you have any issues or concerns.

7. Changes to the Terms
We reserve the right to modify these Terms at any time. Any changes will be communicated via our website or other appropriate channels. Your continued use of the payment gateway constitutes acceptance of the revised Terms.

8. Governing Law
These Terms are governed by the laws of India. Any legal action or proceedings related to your use of the payment gateway will be subject to the jurisdiction of the courts in Phaltan, Dist. Satara (MH).