Terms of Service
1. Introduction
These Terms of Service ("Terms") govern access to and use of corporate.roobapay.com, our product properties (including yaalai.com), and any services offered by RoobaPay Technologies Private Limited ("RoobaPay Technologies", "we", "us", "our"), a company incorporated under the Companies Act, 2013, having its registered office in Tamil Nadu, India, CIN U72900TN2025PTC183888.
By accessing our sites or using our Services, you ("Customer", "you") agree to be bound by these Terms. If you are entering into these Terms on behalf of a company, you represent that you have authority to bind that entity.
2. Description of Services
RoobaPay Technologies engineers technology across two verticals — AI and cybersecurity. Current and upcoming products include:
- Yaal AI — enterprise voice AI agents and AI Bot CRM, primarily for BFSI and adjacent enterprise use;
- RoobaPay UPI — UPI merchant enablement platform (upcoming);
- EDR / XDR — endpoint and extended detection & response for enterprise India (upcoming).
Specific features, service levels, and pricing are set out in the applicable Order Form / Master Service Agreement ("MSA") executed with each customer.
3. Eligibility
The Services are intended for business/enterprise use. You must be at least 18 years old and legally competent to enter a binding contract to use the Services.
4. Account Registration & Security
- You are responsible for maintaining the confidentiality of login credentials and API keys issued to you.
- You must notify us immediately at security@roobapay.com of any unauthorized access or use of your account.
- We are not liable for any loss arising from your failure to safeguard your credentials.
5. Customer Obligations — Regulatory Compliance
Where you use any Service to place or receive calls, SMS, or other communications to end customers in India, you (the customer/data controller) are solely responsible for:
- Registering as a Principal Entity and registering headers/templates on a TRAI-approved Distributed Ledger Technology (DLT) platform;
- Scrubbing call/SMS lists against the National Customer Preference Registry (NCPR/DND) as required under the TRAI Telecom Commercial Communications Customer Preference Regulations (TCCCPR), 2018 and any successor regulations;
- Obtaining and maintaining lawful consent from end customers before any promotional communication;
- Complying with permitted calling hours and opt-out processing timelines prescribed by TRAI.
Where you use RoobaPay UPI (once launched) for merchant payment acceptance, you are responsible for KYC compliance and merchant onboarding controls under applicable RBI and NPCI guidelines.
RoobaPay Technologies may provide tooling to support these obligations but does not assume regulatory responsibility on the customer's behalf unless expressly agreed in an MSA.
6. Fees & Payment
Fees are as set out in the applicable Order Form. Unless stated otherwise: fees are quoted exclusive of GST; invoices are payable within 30 days of the invoice date; late payments may accrue interest at 1.5% per month or the maximum permitted by law, whichever is lower.
7. Data Ownership & Processing
- As between the parties, Customer retains all rights to Customer Data (including end-customer voice recordings, transcripts, CRM records, and transaction data) uploaded to or generated via any Service.
- RoobaPay Technologies processes Customer Data solely to provide the Services, in accordance with the Data Processing Agreement and our Privacy Policy.
- Customer Data is stored on servers located in India (AWS Mumbai region) in accordance with applicable data localization requirements under the RBI, DPDP Act, and IT Act.
8. Intellectual Property
Each product platform, including all software, models, trademarks, and documentation, is and remains the property of RoobaPay Technologies or its licensors. These Terms do not grant Customer any ownership rights in any Service — only a limited, non-exclusive, non-transferable right to use it during the subscription term.
9. Confidentiality
Each party will protect the other's confidential information using at least the same degree of care it uses for its own confidential information, and not less than reasonable care, and will not disclose it except to personnel/subcontractors with a need to know and under equivalent confidentiality obligations.
10. Service Levels & Support
Uptime commitments, support hours, and escalation paths, if any, are specified in the applicable Service Level Agreement (SLA) referenced in the Order Form.
11. Warranties & Disclaimers
Except as expressly stated in an MSA, the Services are provided "as is" and "as available". To the maximum extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that AI-generated voice outputs will be error-free at all times.
12. Limitation of Liability
To the maximum extent permitted by law, RoobaPay Technologies' aggregate liability arising out of or relating to any Service shall not exceed the fees paid by Customer in the 12 months preceding the claim. Neither party shall be liable for indirect, incidental, special, or consequential damages, except in cases of gross negligence, wilful misconduct, breach of confidentiality, or indemnification obligations.
13. Indemnification
Each party will indemnify the other against third-party claims arising from its breach of these Terms, violation of applicable law, or infringement of intellectual property rights, subject to the terms of the applicable MSA.
14. Term & Termination
These Terms remain in effect for as long as you use the Services or for the term specified in your Order Form. Either party may terminate for uncured material breach not cured within 30 days of written notice. On termination, access to the Service ceases and Customer Data will be returned/deleted per the Data Processing Agreement.
15. Governing Law & Dispute Resolution
These Terms are governed by the laws of India. Disputes shall be subject to arbitration under the Arbitration and Conciliation Act, 1996, seated in Chennai, with the courts at Chennai having exclusive jurisdiction over matters not subject to arbitration.
16. Changes to These Terms
We may update these Terms from time to time. Material changes will be notified via email or an in-product notice at least 15 days before taking effect.
17. Contact
RoobaPay Technologies Private Limited
Email: legal@roobapay.com
Address: Tamil Nadu, India
CIN: U72900TN2025PTC183888