Terms & Conditions

1. Introduction

Welcome to ZoinTech. By accessing our website and using our fintech or IT services, you agree to be bound by the following Terms & Conditions. Please read them carefully.

2. Services

ZoinTech offers services including AEPS, DMT, BBPS, recharge, software development, and digital marketing. All services are subject to availability and eligibility.

3. User Responsibilities

You agree to use our services responsibly, not misuse our systems, and provide accurate information where required.

4. Intellectual Property

All content, software, and branding on this site are the intellectual property of ZoinTech and may not be reused or reproduced without permission.

5. Termination

We reserve the right to suspend or terminate services to users who violate these terms without prior notice.

6. Governing Law

These Terms & Conditions are governed by the laws of India. Disputes shall be subject to jurisdiction in Kolkata, West Bengal.