1. User Responsibilities

a) Users must not misuse the REV QUANTA platform in any manner that violates laws or exposes the company to legal liability.

b) Bank/card data accessed through merchant tools must only be used for authorized transactions and must not be sold or shared otherwise.

c) Users may not reverse-engineer, copy, or modify the platform without prior written permission.

d) Users must comply with REV QUANTA’s KYC requirements and provide accurate information.

2. Merchant Responsibilities

a) Merchants must comply with all applicable laws and regulations while using the platform.

b) Merchants cannot process payments on behalf of other businesses or receive funds to refinance debts.

c) Payment data must be collected and handled according to REV QUANTA’s instructions.

d) Proper receipts must be issued for each transaction.

e) Charging additional fees or surcharges for digital payments is prohibited.

f) Merchants authorize REV QUANTA to use their logo/trademark for promotional purposes.

g) Merchants must follow all platform security guidelines and provide required information during onboarding and updates.

h) In cases of chargebacks, disputes, or fraud, REV QUANTA (or acquiring banks) may recover funds from the merchant if necessary.

i) Submitting false information during verification may lead to account suspension or penalties.

3. Transactions & Settlements

a) REV QUANTA will settle transactions on schedule and notify merchants of any delays.

b) All transactions must be legitimate and comply with agreements.

c) Merchants must retain transaction records for at least five (5) years.

4. General Obligations

a) Merchants must comply with platform rules and third-party service provider policies.

b) They must adhere to laws governing e-commerce, product sales, and consumer protection.

c) Merchants are fully responsible for customer service and product delivery.

5. Accepting Payments

a) Merchants may only accept payments for services/products they directly provide.

b) Transaction activities must align with what was declared during registration.

c) Changes to offerings must be communicated to REV QUANTA in writing.

d) URLs for websites accepting payments via REV QUANTA must be provided in advance.

e) Only customer-authorized transactions should be submitted.

f) Merchants must avoid actions that could harm REV QUANTA’s reputation.

g) Merchants indemnify REV QUANTA against customer-related claims or liabilities.

6. Disputes

a) REV QUANTA is not involved in legal disputes between merchants and customers.

b) Merchants must allow cancellations or returns irrespective of payment method.

7. Refunds & Chargebacks

a) Merchants must refund customers electronically after cancellations or returns.

b) Records must be kept for at least five (5) years.

c) REV QUANTA may withhold funds if policies are violated or documentation is incomplete.

d) Refunds for disputes or fraud may be issued from merchant balances.

e) Chargebacks may incur fees deducted from settlements.

f) REV QUANTA is not liable for subscription, setup, or deposit refunds.

8. Indemnity

a) Merchants agree to protect REV QUANTA and its representatives against any legal or financial claims arising from their business.

b) Merchants acknowledge that REV QUANTA is a payment gateway provider, not a party to their transactions.

9. Banned Products & Services

The following are prohibited:

• Firearms, alcohol, explosives
• Pornographic content
• Live animals
• Illegal drugs or substances
• Fireworks, hazardous goods
• Spam software, gambling, MLM schemes
• Work-from-home scams
• Wire transfer services
• Any illegal goods/services under Pakistani law

10. Security & Confidentiality

a) Merchants must safeguard all customer data using encryption and standard security practices. Data loss due to breaches is the merchant’s responsibility.

b) Any vulnerabilities in the connection between merchant systems and the gateway are also the merchant’s liability.

11. Intellectual Property

All content, branding, and technology on the REV QUANTA platform are owned by the company or its licensors. Unauthorized use is prohibited.

12. Third-Party Offerings

REV QUANTA may host third-party services or products. Purchases from these parties are solely between the user and the vendor; REV QUANTA holds no liability.

13. Disclaimer

REV QUANTA functions as a facilitator between financial institutions and merchants. Services are provided “as is,” and the company disclaims liability for any loss or issues arising from platform use.

14. Governing Law

These terms are governed by the laws of Pakistan. Any disputes will be resolved in Pakistani courts, and their decisions will be binding.