Terms of Service

By accessing and using Banizzik.com (the 'Platform'), you agree to be bound by these Terms of Service ('Terms'). If you do not agree with any part of these Terms, you must not use the Platform.

These Terms constitute a binding agreement between you ('User', 'you', 'your') and Banizzik.com ('Company', 'we', 'us', 'our').

By using the Platform, you represent that you are at least 18 years old or have parental consent, and you have the legal capacity to enter into contracts.

We reserve the right to modify these Terms at any time. Your continued use of the Platform following any changes constitutes acceptance of the new Terms.

2.1 What is Banizzik.com:

• Banizzik.com is a multi-vendor e-commerce platform connecting buyers with independent sellers/vendors

• We facilitate transactions but are not a party to transactions between buyers and vendors

• The Platform provides a marketplace for buying and selling products across multiple categories

2.2 Our Role:

• We provide the infrastructure and tools for transactions

• We facilitate payments, shipping, and customer support

• We are NOT responsible for product quality, authenticity, or availability

• We are NOT liable for disputes arising directly from buyer-vendor relationships

2.3 Services Offered:

• Product listings and search functionality

• Secure payment gateway

• Order management and tracking

• Vendor seller dashboard

• Customer support and dispute resolution

• Shipping and logistics coordination

• Return and refund management

3.1 Account Creation:

• You must create an account to use Banizzik.com

• Provide accurate, complete, and current information

• You are responsible for maintaining account confidentiality

• You are liable for all activities under your account

• Notify us immediately of any unauthorized access

3.2 Account Types:

• Buyer Account: For purchasing products

• Vendor Account: For selling products on the Platform

• Each account type has different terms and responsibilities

3.3 Account Eligibility:

• You must be 18+ years old

• You cannot have a suspended or terminated account

• You must comply with all applicable laws

• You must provide valid payment method information

3.4 Account Termination:

• We may suspend or terminate your account if:

- You violate these Terms

- You engage in fraudulent or illegal activities

- You have multiple unresolved disputes

- You violate our Code of Conduct

• Termination may be permanent or temporary

• We will provide notice when possible

4.1 Placing Orders:

• All orders are subject to acceptance by the vendor

• Vendors may reject orders without reason

• Order confirmation constitutes acceptance

• You are responsible for providing accurate delivery information

• Incorrect addresses are your responsibility

4.2 Payment Terms:

• Payment must be made at the time of order

• We accept multiple payment methods (credit card, debit card, UPI, net banking, etc.)

• All amounts are in Indian Rupees (INR) unless specified

• Prices are inclusive of GST (where applicable)

• We do not offer price adjustments after purchase

4.3 Pricing & Taxes:

• Vendors are responsible for setting product prices

• Prices are subject to change without notice

• Taxes are calculated at checkout

• You are responsible for any applicable duties or customs charges

4.4 Product Information:

• We attempt to display accurate product information

• We do not guarantee accuracy of descriptions, colors, or specifications

• Vendor-provided information may not be verified

• Images are representative and may vary from actual products

• Report inaccuracies to customer support

4.5 Delivery & Shipping:

• Delivery times are estimates, not guarantees

• Vendors choose shipping partners

• We are not liable for shipping delays caused by third parties

• Track orders via our tracking system

• Coordinate with shipping partners for delivery issues

• Damage during shipping should be reported with proof

4.6 Returns & Refunds:

• Vendors set their own return policies

• Return eligibility depends on vendor policies

• Initiate returns within specified timeframe

• Provide proof of damage or defect if applicable

• Refunds are processed within 7-14 days after vendor confirmation

• Original shipping costs are non-refundable

• Return shipping costs may be borne by buyer (per vendor policy)

4.7 Product Warranties:

• Vendors are responsible for product warranties

• Warranties are limited to terms specified by vendors

• We do not provide manufacturer warranties unless explicitly stated

• Warranty claims should be directed to vendors

5.1 Vendor Eligibility:

• Must be 18+ years old

• Must be a registered business or individual

• Must have valid bank account for payouts

• Must comply with all applicable tax laws

• Must provide accurate business information

• Must maintain minimum seller rating (varies by category)

5.2 Vendor Registration & Verification:

• Submit business documents and personal identification

• Complete Know Your Vendor (KYV) process

• Provide GST registration or PAN

• Consent to background and business verification

• May take 5-7 business days for approval

5.3 Product Listing Requirements:

• Provide accurate product descriptions

• Include high-quality images (at least 3 images)

• Specify all relevant product attributes

• Declare product warranty and guarantees

• Comply with product category policies

• Disclose any restrictions or warnings

• Products must be legal and compliant with local laws

5.4 Prohibited Products & Activities:

Vendors cannot list:

• Counterfeit or inauthentic products

• Illegal items or controlled substances

• Weapons, explosives, or dangerous items

• Items violating intellectual property rights

• Stolen or recalled products

• Services (unless approved category)

• Items violating community guidelines

5.5 Pricing & Inventory:

• Maintain accurate product availability

• Update inventory in real-time

• Cannot manipulate prices unreasonably

• Must honor prices displayed on Platform

• Must cancel orders if inventory unavailable

• Cannot accept orders you cannot fulfill

5.6 Order Fulfillment:

• Confirm or reject orders within 24 hours

• Ship orders within specified timeframe (typically 2-3 business days)

• Provide accurate tracking information

• Package items securely to prevent damage

• Include proper documentation and invoices

• Handle customer inquiries professionally

5.7 Communication Standards:

• Respond to customer inquiries within 48 hours

• Provide professional and courteous communication

• Use Platform messaging system for all communications

• Do not share personal contact information

• Do not solicit customers to transact outside Platform

5.8 Seller Rating & Performance:

• Maintain minimum seller rating of 3.5 stars

• Meet order fulfillment targets

• Resolve customer complaints promptly

• Reduce cancellations and returns

• Poor performance may result in suspension

• Repeated violations may result in termination

5.9 Commission & Fees:

• Vendors pay commission on each sale (percentage varies by category)

• Additional charges may apply for premium services

• Commission is deducted from payout

• Shipping charges are managed separately

• Refunds reduce vendor earnings

5.10 Payouts & Financial Terms:

• Payouts are processed weekly or bi-weekly

• Minimum payout threshold may apply

• Funds transferred to registered bank account

• Processing time: 2-5 business days

• Taxes are vendor responsibility

• We may hold payments for disputed orders

6.1 Platform Content:

• All Platform content (design, text, graphics, logos, code) is owned by Banizzik

• You are granted a limited license to view and use the Platform

• You cannot reproduce, modify, or distribute Platform content

6.2 User-Generated Content:

• You retain ownership of content you create (reviews, ratings, photos)

• You grant Banizzik a perpetual, royalty-free license to use your content

• We may use your content for marketing and promotion

• You are responsible for content you post

• You warrant you own or have rights to the content

6.3 Vendor Product Information:

• Vendors are responsible for product descriptions and images

• Vendors warrant they own or have rights to product images

• Vendors must not infringe on intellectual property rights

• We may remove infringing content

• Repeated infringement may result in account termination

6.4 Copyright Infringement:

• Report copyright violations to: [email protected]

• Include proof of ownership and violation details

• We will investigate and remove infringing content

• Violators may face account suspension or termination

Users are prohibited from:

• Violating laws, regulations, or court orders

• Engaging in fraudulent or deceptive practices

• Creating fake accounts or impersonating others

• Engaging in harassment, abuse, or discrimination

• Posting illegal, offensive, or defamatory content

• Spamming or sending unsolicited communications

• Scraping or accessing Platform data without permission

• Attempting to breach Platform security

• Manipulating prices or product information

• Engaging in unauthorized payment disputes

• Coordinating with others to manipulate Platform

• Money laundering or terrorist financing

• Operating competing services using our Platform

• Exploiting vulnerabilities or bugs

• Reverse engineering or decompiling Platform code

• Removing or obscuring legal notices or intellectual property marks

• Soliciting users to transact outside the Platform

• Conducting transactions outside Platform for tax evasion

• Providing false or misleading information

8.1 Payment Processing:

• All payments are processed through secure payment gateways

• We use industry-standard encryption and security

• Payment information is handled by third-party processors

• We do not store complete credit card information

• PCI-DSS compliance is maintained

8.2 Payment Methods:

• Credit cards, debit cards, UPI, net banking accepted

• We reserve the right to accept/refuse payment methods

• Failed payments result in order cancellation

• Refunds for failed transactions within 3-5 business days

8.3 Pricing Accuracy:

• We attempt to ensure price accuracy

• Errors in pricing do not obligate fulfillment

• We may cancel orders due to pricing errors

• Currency conversions are approximate

8.4 Transaction Disputes:

• Report disputes within 30 days of transaction

• Provide complete transaction details

• We will investigate and attempt resolution

• Chargebacks will result in account suspension

• Repeated chargebacks result in termination

8.5 Refund Policy:

• Refunds are subject to vendor's refund policy

• Refund amount depends on return condition

• Processing time: 7-14 business days

• Original shipping costs are non-refundable

9.1 Disclaimer of Warranties:

• The Platform is provided 'AS IS' without warranties

• We do not warrant uninterrupted or error-free service

• We do not warrant product quality or authenticity

• No warranty regarding third-party services

• Use at your own risk

9.2 Limitation of Liability:

• We are NOT liable for indirect, incidental, or consequential damages

• Our total liability is limited to amount paid in last 30 days

• We are NOT liable for third-party vendor actions

• We are NOT liable for shipping delays or damages

• We are NOT liable for payment processor errors

• We are NOT liable for service interruptions

9.3 Exclusions:

• These limitations do not apply to death or personal injury

• These limitations do not apply to fraudulent misrepresentation

• These limitations do not override mandatory laws

10.1 Buyer-Vendor Disputes:

• Disputes should first be resolved directly between parties

• Use Platform messaging to communicate

• Allow 5-7 days for resolution

• If unresolved, escalate to Banizzik support

10.2 Escalation Process:

• Submit dispute details via support portal

• Provide order number and relevant evidence

• Banizzik will review and mediate

• Resolution within 15-30 days

10.3 Refund/Return Disputes:

• Follow vendor's return process

• Provide shipping proof if required

• Banizzik will enforce vendor policies

• Appeal if policy applied incorrectly

10.4 Payment Disputes:

• Report unauthorized charges within 30 days

• Provide transaction details and evidence

• We will investigate chargebacks

• Refund if fraud is confirmed

10.5 Grievance Redressal:

• Contact: [email protected]

• Response time: Within 48 hours

• Detailed investigation within 5-7 days

• Resolution within 30 days

11.1 Termination by Company:

• We may terminate your account for:

- Violating these Terms

- Engaging in illegal activities

- Repeated fraudulent transactions

- Multiple unresolved complaints

- Inactivity (for vendor accounts)

- Non-compliance with policies

11.2 Termination by User:

• You may request account deletion

• Submit request to: [email protected]

• Account will be deactivated immediately

• Data retained per privacy policy

• Cannot delete if pending disputes

11.3 Consequences of Termination:

• Access to Platform is revoked

• Active orders are canceled

• Pending refunds are forfeited

• Data is retained per legal requirements

• Banned account cannot be recreated

11.4 Suspension:

• Temporary suspension for policy violations

• Account restrictions during investigation

• Appeal suspension via support

You agree to indemnify and hold harmless Banizzik.com, its directors, employees, and agents from:

• Claims arising from your use of the Platform

• Your violation of these Terms

• Your violation of laws or third-party rights

• Content you post or submit

• Your transactions with vendors

• Claims by other users

This indemnification applies to all damages, losses, and expenses including legal fees.

13.1 Legal Compliance:

• All users must comply with applicable laws

• Transactions must comply with tax laws

• International users must comply with local laws

• Vendors must maintain proper tax documentation

13.2 Regulatory Compliance:

• Banizzik complies with:

- Consumer Protection Act, 2019

- Information Technology Act, 2000

- Digital Personal Data Protection Act, 2023

- GST regulations

- Foreign Exchange Management Act (FEMA)

13.3 Government Cooperation:

• We cooperate with law enforcement

• We may disclose information if legally required

• We comply with court orders and legal processes

• Platform includes third-party services (payments, shipping, analytics)

• We are not responsible for third-party services

• Third parties have separate terms of service

• Review third-party privacy policies and terms

• We are not liable for third-party actions or failures

• Links to third-party sites do not constitute endorsement

• We reserve the right to modify these Terms

• Changes take effect upon posting

• Major changes will be notified via email

• Continued use after changes means acceptance

• Review these Terms regularly for updates

• If you disagree with changes, discontinue use

• These Terms constitute the entire agreement

• These Terms supersede all previous agreements

• Includes Privacy Policy and other policies

• Each section is severable

• If any term is invalid, other terms remain in effect

For questions about these Terms, contact:

Banizzik.com

Email: [email protected]

Website: www.banizzik.com

Customer Support:

Email: [email protected]

Hours: Monday-Friday, 10 AM - 6 PM IST

Legal & Compliance:

Email: [email protected]

Grievance Officer:

Email: [email protected]

Response Time: Within 48 hours