Miogra Seller Terms & Conditions

1. Account Registration & KYC Verification

• Eligibility: You must be at least 18 years old and authorized to represent a registered business, shop, or restaurant operating legally within India.
• Document Verification: To register and receive settlements, you must provide accurate Know Your Customer (KYC) details, including valid PAN, GSTIN (if applicable), FSSAI license (for food merchants), shop establishment certificates, and bank account proof.
• Accuracy: You guarantee that all information submitted during registration is true, updated, and legally valid. Accounts with misleading or fraudulent documents will be suspended immediately.

2. Product Listings, Pricing, and Menu Rules

• Catalog Control: Sellers are solely responsible for managing product availability, menu items, stock counts, preparation times, and retail pricing listed on the Miogra platform.
• Legal Compliance: Products listed must comply with Indian consumer protection standards, legal metrology rules, and food safety regulations (FSSAI). Prohibited, illicit, or age-restricted items without proper authorization are strictly banned.
• Pricing Fairness: Prices listed on the Miogra Seller App must adhere to regulatory limits and transparent customer invoicing.

3. Payment Processing & Cashfree Integration

Miogra partners with Cashfree Payments India Pvt. Ltd. (“Cashfree”) to execute merchant payouts, transaction processing, and automatic balance settlements.

• Payment Routing: Customer payments collected for your orders are processed through PCI-DSS compliant secure payment gateway networks operated by Cashfree.
• Settlements & Payouts: Funds accrued from completed orders will be transferred to your verified business bank account according to the agreed payout cycle (e.g., T+1 / T+2 days), net of applicable platform commissions, service fees, or refunds.
• No Storage of Sensitive Card Data: In accordance with RBI guidelines, Miogra does not store card details, CVVs, or bank logins on its local application infrastructure. Tokenization and secure processing are handled strictly via Cashfree.
• Cashfree Compliance: By accepting these Terms, you agree to comply with Cashfree's Merchant Terms and Conditions.

4. Order Fulfillment, Cancellations, and Refunds

• Order Acceptance: Merchants must accept or reject incoming order requests within the designated app response time.
• Fulfillment Standards: Items must be packed securely, tagged properly, and handed over to assigned Miogra delivery partners within the specified preparation period.
• Cancellation & Refund Liability: If an order is canceled due to store item non-availability, quality defects, wrong packaging, or preparation delays, Miogra reserves the right to charge appropriate cancellation penalties or deduct refund amounts from your pending settlements.

5. Google Play Developer & Platform Usage Policies

• Device Security: You agree not to attempt to reverse engineer, decompile, modify, or inject malicious code into the Miogra Seller App.
• Account Credentials: You are responsible for keeping your seller PIN, passwords, and registered mobile OTPs secure. Any action performed through your verified account is treated as authorized by you.
• App Updates: To ensure seamless communication with delivery partners and Cashfree API services, you agree to install mandatory security and operational app updates pushed via the Google Play Store.

6. Platform Fees, Taxes, and Deduction

• Commissions: Kipgra Ventures Pvt Ltd will deduct agreed platform commission percentages and service charges on every successfully fulfilled order prior to payout initiation.
• Taxes (GST & TCS): Tax Collected at Source (TCS) and Tax Deducted at Source (TDS) under Indian GST and Income Tax laws will be calculated, reported, and remitted in accordance with regulatory requirements. Merchants remain responsible for their independent income tax and GST filings.

7. Account Suspension & Termination

Termination by Seller: You may request account closure by clearing all active orders, settling outstanding dues, and notifying us via info@kipgraventures.org.in.

Termination by Miogra: We reserve the right to suspend or terminate your seller account immediately without prior notice if:

• You violate these Terms, Cashfree policies, or Google Play rules.
• FSSAI/GST certificates expire or are canceled by government authorities.
• Excessive customer complaints, fraud, or poor hygiene standards are recorded.

8. Limitation of Liability & Indemnity

• Limitation: Kipgra Ventures Pvt Ltd will not be liable for indirect, incidental, or consequential damages resulting from technical downtime, network failures, bank gateway processing delays, or unauthorized account access beyond our reasonable control.
• Indemnity: You agree to indemnify and hold harmless Kipgra Ventures Pvt Ltd, its directors, and operational partners against claims, fines, liabilities, or losses arising from your breach of product quality, copyright infringement, or failure to comply with local laws.

9. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of India. Any disputes or legal proceedings arising out of or in connection with the Miogra Seller platform shall be subject to the exclusive jurisdiction of the competent courts in Tamil Nadu, India.

10. Contact Information

For merchant onboarding queries, technical support, or billing clarification, contact us at: