Vivi Pay Official Terms of Service | User Agreement & Platform Rules – vivipay.org

Welcome to Vivi Pay Official, India's trusted C2C token trading platform available at vivipay.org. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you") and Vivi Pay Official ("we," "us," "Vivi Pay," "the platform").

By doing any of the following, you confirm that you have read, understood, and agree to be bound by these Terms in their entirety:

• Downloading the Vivi Pay app from vivipay.org
• Registering a Vivi Pay account
• Logging into the Vivi Pay platform
• Participating in C2C token trading
• Accessing the vivipay.org website or any associated services

If you do not agree to these Terms of Service in full, please do not download, register, or use the Vivi Pay platform.

These Terms should be read together with our Privacy Policy, Disclaimer, and User Safety Guidelines, all of which form part of the complete agreement between you and Vivi Pay Official.

To use the Vivi Pay platform and participate in C2C token trading, you must meet all of the following eligibility criteria:

2.1 Age Requirement

• You must be at least 18 years of age at the time of registration
• By registering, you confirm and represent that you are 18 years or older
• Vivi Pay Official does not permit use by persons under 18 years of age
• Accounts found to belong to users under 18 will be immediately suspended and deleted

2.2 Geographic Eligibility

• Vivi Pay Official is primarily designed for users located in India
• Users must have a valid Indian mobile number and a functional UPI payment method
• Access from jurisdictions where C2C token trading is prohibited is not permitted
• You are responsible for ensuring your use of the platform complies with the laws of your location

2.3 Legal Capacity

• You must be legally competent to enter into binding contracts under Indian law
• You must not have been previously banned or suspended from the Vivi Pay platform
• You must not be using the platform in violation of any applicable Indian law

2.4 Technical Requirements

• You must have an Android smartphone compatible with the Vivi Pay app
• You must have a stable internet connection to use the platform
• You must download the app ONLY from the official website vivipay.org

To access the Vivi Pay platform and participate in token trading, you must create an account. By creating an account, you make the following commitments to us:

3.1 Registration Requirements

• Provide accurate, complete, and current information during registration
• Register using your own personal mobile number — not a number belonging to someone else
• Each person is permitted to hold only ONE Vivi Pay account
• Creating multiple accounts for the same person is a violation of these Terms and may result in permanent ban
• Provide a valid UPI ID that you personally own and control

3.2 Account Security Responsibilities

You are solely responsible for maintaining the security of your Vivi Pay account. Your account security obligations include:

• Password Protection: Keep your login password confidential at all times. Do not share it with anyone.
• OTP Confidentiality: Never share OTPs received on your mobile number with any person, including those claiming to be Vivi Pay support staff. Vivi Pay Official will NEVER ask for your OTP.
• Authorized Use Only: Do not allow others to use your Vivi Pay account. You are responsible for all activities that occur under your account.
• Immediate Reporting: If you suspect unauthorized access to your account, report it immediately via in-app support or our official Telegram channel.
• Official App Only: Only log in through the official Vivi Pay app downloaded from vivipay.org. Never enter your credentials on any other website or app.

3.3 Account Accuracy

You agree to keep your account information accurate and up to date. If your UPI ID changes or becomes inactive, update it in the app promptly. Using an outdated or invalid UPI ID in trades can result in payment disputes.

Vivi Pay Official operates as a C2C (Customer-to-Customer) token trading platform. This means all trading happens directly between individual users — Vivi Pay facilitates the match and process, but does not itself buy or sell tokens.

4.1 How C2C Trading Works

1. A user (seller) lists tokens for sale at a set price on the Vivi Pay platform
2. Another user (buyer) accepts the offer and places a buy order
3. The buyer sends UPI payment directly to the seller's UPI ID shown in the app
4. The seller verifies receipt of payment in their UPI app and confirms in Vivi Pay
5. Upon seller confirmation, tokens are released to the buyer's wallet

4.2 Seller's Obligations

• Verify Before Confirming: Always verify payment receipt in your UPI app (PhonePe, GPay, Paytm, etc.) BEFORE confirming token release in Vivi Pay
• Accurate UPI ID: Ensure your UPI ID listed in the app is correct and active at all times
• Timely Response: Respond to trade requests within the allotted time to avoid auto-cancellation
• No Price Manipulation: Do not manipulate token prices or engage in artificial price inflation/deflation
• Honest Listings: List tokens at the correct amount — do not create misleading or deceptive listings

4.3 Buyer's Obligations

• Pay the Exact Amount: Send exactly the amount specified in the trade — do not send partial payments
• Use UPI Only: Pay only through UPI directly to the seller's UPI ID shown in the app
• No Chargebacks: Do not initiate UPI payment reversals/chargebacks after tokens are released. This is considered fraud.
• Timely Payment: Complete UPI payment within the time window provided, or the trade may be auto-cancelled
• Screenshot Proof: Keep UPI payment screenshots as proof in case of disputes

4.4 Trade Cancellation Policy

• Trades may be cancelled if the buyer fails to make payment within the allotted time window
• Frequent unexplained cancellations may lead to trading restrictions on your account
• Disputes arising from trades should be reported through in-app support with relevant screenshots

To protect all users and maintain the integrity of the Vivi Pay platform, the following activities are strictly prohibited. Violations may result in immediate account suspension, permanent ban, and reporting to law enforcement authorities.

5.1 Detailed Prohibited Activities

The following are explicitly prohibited on the Vivi Pay platform:

• Fraud & Scamming: Initiating trades with no intention of paying (for buyers) or releasing tokens (for sellers), or any other form of financial fraud
• UPI Chargeback Fraud: Initiating payment reversals via bank or UPI provider after tokens have been released — this constitutes fraud and will be reported to law enforcement
• Account Manipulation: Creating multiple accounts, using fake identities, or using other users' credentials to create accounts
• Platform Abuse: Using automated tools, bots, or scripts to manipulate trading activity, pricing, or platform metrics
• Market Manipulation: Coordinating with other users to artificially inflate or deflate token prices
• Phishing & Social Engineering: Attempting to extract personal information, OTPs, passwords, or UPI credentials from other Vivi Pay users
• Illegal Activities: Using the Vivi Pay platform for money laundering, financing illegal activities, tax evasion, or any other activity prohibited under Indian law
• Counterfeit Platform: Creating or distributing fake Vivi Pay apps, websites, or promotional material
• Harassment: Threatening, abusing, or harassing other users or Vivi Pay staff through any channel
• Intellectual Property Violation: Copying, reproducing, or distributing Vivi Pay's branding, content, or code without permission

All financial transactions on the Vivi Pay platform occur as direct peer-to-peer UPI payments between individual users. Vivi Pay Official is not a payment processor, bank, or financial institution and does not hold, transfer, or process user funds.

6.1 UPI Payment Process

• All payments between buyers and sellers are made directly via UPI (Unified Payments Interface) through the buyer's UPI app (GPay, PhonePe, Paytm, etc.)
• Vivi Pay Official does not receive, hold, or transmit UPI payments — all payments go directly from buyer to seller
• The UPI ID displayed in the trade is the seller's personal UPI ID

6.2 No-Deposit Policy

• Vivi Pay Official does NOT accept deposits of money from users
• There is no Vivi Pay wallet that holds your money
• Any person or entity claiming to be Vivi Pay and asking you to deposit money to a Vivi Pay account is a scammer
• The official platform only facilitates peer-to-peer UPI payments between individual users

6.3 Transaction Finality

• Once a seller confirms receipt of UPI payment and releases tokens, the trade is FINAL and cannot be reversed within the platform
• Buyers must not initiate UPI chargebacks after receiving tokens — this constitutes fraud
• Sellers must verify UPI payment in their UPI app BEFORE releasing tokens — do not release tokens based on screenshots alone, as these can be fabricated

6.4 Tax Responsibilities

Users are solely responsible for declaring and paying all applicable taxes on their income earned through Vivi Pay, including income from token trading and referral commissions. Vivi Pay Official does not provide tax advice and does not deduct tax at source from peer-to-peer UPI transactions.

Vivi Pay Official offers a referral program that allows users to earn commissions by inviting new users to the platform. The referral program is subject to the following terms:

7.1 Referral Eligibility

• Only active, verified Vivi Pay accounts are eligible to participate in the referral program
• Referral commissions are earned when a referred user completes their first successful C2C trade
• Referral links must be shared only with genuine persons you personally know — mass spamming of referral links is prohibited

7.2 Prohibited Referral Practices

• Self-Referral: Referring yourself using multiple accounts or alternate identities is strictly prohibited
• Fake Referrals: Creating fake accounts to generate referral commissions is fraud and will result in permanent ban and recovery of false commissions
• Misleading Promotion: Promoting Vivi Pay with false earnings claims or guarantees that we have not officially stated
• Spam: Mass distribution of referral links via SMS, email, WhatsApp broadcast, or other spam channels

7.3 Commission Payment

• Referral commissions are credited to your Vivi Pay account based on the platform's current commission structure
• Commission rates are subject to change at Vivi Pay's discretion with notice to users
• Commissions earned through fraudulent referrals will be reversed and the account banned
• Vivi Pay reserves the right to withhold commission payments pending investigation of suspected fraud

7.4 Referral Program Modifications

Vivi Pay Official reserves the right to modify, suspend, or discontinue the referral program at any time with reasonable notice. Changes to commission rates or program structure will be communicated via in-app notification.

All content, branding, and technology on the Vivi Pay Official platform are protected by intellectual property laws. By using the platform, you acknowledge and agree to the following:

8.1 Vivi Pay's Intellectual Property

The following are the exclusive intellectual property of Vivi Pay Official and may not be used, copied, or distributed without our written permission:

• The Vivi Pay name, logo, brand identity, and all associated trademarks
• The Vivi Pay Official mobile application and all its code, features, and functionality
• All content on vivipay.org, including text, images, graphics, and design
• The Vivi Pay token trading system, matching engine, and platform technology
• All marketing materials, promotional content, and brand assets

8.2 Prohibited Uses of Vivi Pay's IP

• You may NOT use the Vivi Pay name or logo to create fake websites, copycat apps, or impersonation accounts
• You may NOT reproduce, distribute, or commercially exploit any content from vivipay.org without written permission
• You may NOT modify, reverse-engineer, or decompile the Vivi Pay application
• You may NOT use Vivi Pay's brand assets in any way that could cause confusion or deceive users

8.3 User-Generated Content

Any feedback, suggestions, or content you provide to Vivi Pay (including support messages and bug reports) may be used by us to improve the platform. You grant us a non-exclusive, royalty-free license to use such content for these purposes.

By using the Vivi Pay platform, you acknowledge and agree to the following limitations on Vivi Pay Official's liability:

9.1 Platform Role

Vivi Pay Official is a facilitating platform only. We are not a party to individual C2C trades between users. All trades are between individual users, and Vivi Pay is not responsible for:

• Losses arising from trades where payment was made but tokens were not released
• Losses arising from trades where tokens were released but UPI payment was not verified
• Any financial disputes between trading partners
• UPI payment failures or delays caused by the banking system or UPI apps

9.2 No Guarantee of Availability

• Vivi Pay does not guarantee uninterrupted or error-free access to the platform
• We are not liable for losses caused by temporary downtime, maintenance, or technical issues
• We reserve the right to suspend the platform temporarily for maintenance or upgrades

9.3 No Financial Guarantee

• Vivi Pay does not guarantee any specific level of income or profit from token trading
• Past performance of the platform or individual users is not indicative of future results
• All token trading involves financial risk, and you should trade only amounts you can afford to lose

9.4 Maximum Liability Cap

To the maximum extent permitted by applicable Indian law, Vivi Pay Official's total liability to you for any claims arising from your use of the platform shall be limited to the fees (if any) paid by you to Vivi Pay in the three months preceding the claim. We are not liable for any indirect, incidental, consequential, or punitive damages.

9.5 Indemnification

You agree to indemnify, defend, and hold harmless Vivi Pay Official, its founders, team members, and partners from any claims, losses, damages, or legal costs arising from:

• Your violation of these Terms of Service
• Your fraudulent or illegal use of the platform
• Your infringement of any third party's rights
• Any dispute between you and another Vivi Pay user

Vivi Pay Official reserves the right to suspend, restrict, or permanently terminate any account that violates these Terms of Service or engages in activities that harm users or the platform.

10.1 Grounds for Suspension or Termination

• Engaging in or attempting fraud, including UPI chargeback fraud after receiving tokens
• Creating multiple accounts or using fake identities
• Using the platform for money laundering or any illegal activity
• Attempting to hack or gain unauthorized access to other accounts
• Engaging in market manipulation or artificial price manipulation
• Repeated violation of trading rules (frequent unexplained cancellations, misleading listings)
• Harassment or abusive behavior toward other users or Vivi Pay team members
• Distributing fake Vivi Pay apps or operating copycat websites
• Providing false information during registration or trading

10.2 Suspension Process

• For minor violations, Vivi Pay may issue a warning before suspension
• For serious violations (fraud, hacking, money laundering), accounts may be permanently terminated without prior warning
• Suspended users will be notified via in-app notification or SMS where possible
• You may appeal a suspension by contacting our support through official channels

10.3 Consequences of Termination

• Upon termination, your access to the Vivi Pay platform will be immediately revoked
• Any pending trades at the time of termination may be cancelled by the platform
• Accounts terminated for fraud may have their information shared with law enforcement authorities
• These Terms of Service will continue to apply to your past use of the platform after termination

10.4 Voluntary Account Closure

You may close your Vivi Pay account at any time by contacting support through the in-app help feature. Before closing your account, ensure all pending trades are completed. See our Privacy Policy for information on how your data is handled upon account closure.

Disputes between users may arise during C2C trades. Vivi Pay Official provides a dispute resolution mechanism to help resolve these issues fairly.

11.1 Trade Dispute Process

1. Gather Evidence: Collect screenshots of UPI payment receipts, trade details, and any relevant communication
2. Submit a Dispute: Report the trade dispute through the in-app support feature within 24 hours of the disputed trade
3. Platform Review: Our team will review the evidence provided by both parties
4. Resolution: We will communicate our decision within a reasonable timeframe based on the evidence available

11.2 Dispute Evidence Requirements

To support your dispute claim, provide the following:

• UPI payment screenshot showing the exact amount, date, time, and transaction reference number
• Screenshots of the Vivi Pay trade details page
• Any in-app chat or communication records related to the dispute

11.3 Dispute Limitations

• Disputes must be submitted within 24 hours of the trade completion or cancellation
• Vivi Pay Official's dispute resolution decision is based on available evidence and is final within the platform
• Vivi Pay is not a judicial body — for serious fraud cases, users may also report to the Cyber Crime Helpline 1930 or file a complaint at cybercrime.gov.in

11.4 Legal Disputes

Any dispute between you and Vivi Pay Official that cannot be resolved through our support channels shall be resolved through arbitration or the appropriate courts in Nagpur, Maharashtra, India, in accordance with Indian law. Both parties agree to make good faith efforts to resolve disputes amicably before pursuing legal action.

Vivi Pay Official reserves the right to update, modify, or revise these Terms of Service at any time. We will make changes to reflect:

• Updates to the platform's features or trading mechanisms
• Changes in applicable Indian laws and regulations
• New security policies or user protection measures
• Platform policy improvements based on user feedback and experience

When we make significant changes to these Terms, we will:

1. Update the "Last Updated" date shown at the top of this page
2. Send an in-app notification to all active users
3. For material changes affecting user rights, provide a minimum 7-day notice period before the changes take effect

Your continued use of the Vivi Pay platform after the effective date of any updated Terms constitutes your acceptance of the revised Terms. If you do not agree with the updated Terms, you must stop using the platform and may close your account.

The current version of these Terms is always available at vivipay.org/terms.html.

These Terms of Service are governed by and construed in accordance with the laws of India. Users agree that the following Indian laws apply to their use of the Vivi Pay platform:

• The Information Technology Act, 2000
• The Indian Penal Code (IPC), including provisions on fraud (Section 420) and forgery (Sections 463, 468)
• The Payment and Settlement Systems Act, 2007
• The Prevention of Money Laundering Act, 2002 (PMLA)
• The Consumer Protection Act, 2019
• The Digital Personal Data Protection Act, 2023 (DPDPA)
• Any other applicable Indian central or state laws

Jurisdiction: Any legal disputes arising from these Terms of Service or from your use of the Vivi Pay platform shall be subject to the exclusive jurisdiction of the competent courts located in Nagpur, Maharashtra, India.

Language: These Terms of Service are written in English. In the event of any conflict between the English version and any translated version, the English version shall prevail.

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