Terms & Conditions

1. Definitions

• "Platform" means the Vemate website and services available at vemate.in
• "Company", "We", "Us" means Vemate, a brand operated by AD Enterprises
• "Creator" means a registered user who lists and sells products or services on the Platform
• "Buyer" means a user who purchases products or services from Creators on the Platform
• "User" means any Creator, Buyer, or visitor using the Platform
• "Content" means digital products, courses, files, materials, and other information uploaded by Creators
• "Transaction" means any purchase, payment, or financial activity on the Platform
• "Seller ID" means the unique platform identifier assigned to each Creator account, used for transaction traceability with our payment gateway

2. Eligibility

• You must be at least 18 years of age to use this Platform
• You must be a resident of India or possess a valid Indian bank account to receive payouts as a Creator
• You must provide accurate and complete information during registration and keep it updated
• Accounts may not be created for or transferred to third parties

3. Creator Obligations

3.1 Account & KYC

• Creators must complete KYC verification before listing products or withdrawing earnings
• KYC requires submission of the following documents, all of which must be genuine, valid, and belong to the account holder:
  • Aadhaar Card — front and back images
  • PAN Card — front image
  • Selfie / Photograph — for liveness and identity verification against Aadhaar
• Submitting false or forged KYC documents is a criminal offence under the IT Act, 2000 and IPC, and will result in permanent account ban and legal action
• KYC must be re-submitted if your documents expire or if there is a material change in your identity information

3.2 Content Standards

• Creators are solely responsible for all Content they upload, publish, or sell on the Platform
• Content Verification: To prevent the sale of prohibited or restricted content, every product/service published by the Creator undergoes mandatory verification by the Platform's moderation team before becoming visible to buyers
• Content must not infringe any copyright, trademark, patent, or other intellectual property rights
• Content must not be illegal, obscene, defamatory, fraudulent, or harmful
• Creators must honour the product descriptions and deliver what was promised to buyers
• Creators must set a clear refund policy before listing any product

3.3 Pricing & Taxes

• Creators are responsible for determining pricing for their products
• Creators are responsible for any applicable taxes on their earnings, including income tax and GST as applicable under Indian law
• The Platform deducts a 5% platform fee from each transaction before crediting earnings to the Creator's account

3.4 Seller Due Diligence

As part of our compliance obligations as a marketplace platform, Vemate performs the following verification steps for all Creators before enabling payouts:

• Aadhaar Verification: Aadhaar number and front/back document images are collected. The name on the Aadhaar is cross-referenced with the name provided during registration.
• PAN Verification: PAN number and document image are collected. PAN format is validated and the name is checked for consistency with Aadhaar.
• Liveness Check: A selfie or photograph is collected and visually matched against the Aadhaar document by our admin team to confirm the person submitting the documents is the same person named in the identity documents.
• Bank Account Verification: Bank account number, IFSC code, account holder name, and supporting proof are collected. The account holder name is verified against the KYC name before the first payout is processed.
• Manual Admin Review: All submitted KYC documents are reviewed by the Vemate admin team. A Creator's KYC status is set to VERIFIED only after the review is passed. Creators with status NOT_SUBMITTED, PENDING, or REJECTED cannot receive payouts.
• Platform Agreement: By registering on Vemate, Creators accept these Terms and Conditions. Acceptance timestamp is recorded.

4. Buyer Obligations

• Buyers must use the Platform only for personal, non-commercial use of purchased products, unless the Creator explicitly grants commercial rights
• Buyers must not reproduce, redistribute, resell, or share digital products purchased on the Platform without the Creator's explicit written permission
• Buyers must review the Creator's refund policy before making a purchase
• Initiating fraudulent chargebacks or disputes for legitimately delivered products is prohibited and may result in account suspension

5. Platform Fee & Payouts

• Commercial Terms & Platform Fees: Vemate offers a tiered pricing structure:
  • Free Plan: ₹0 Subscription | 5% Platform Fee
  • Pro Plan: ₹999/Month Subscription | 3.5% Platform Fee
  • Business Plan: Custom Subscription | Custom Negotiated Rate
• All-Inclusive Pricing: The Platform Fee listed above includes all transaction costs, including payment gateway processing fees charged by Easebuzz. No additional hidden charges or separate gateway fees are levied on the Creator.
• Settlement Process: Settlements are processed through the Easebuzz automated marketplace split API. Upon a successful transaction, the funds are collected by the Payment Aggregator and split into two parts: (a) Platform Fee credited to Vemate, and (b) The remaining balance (Net Revenue) scheduled for the Creator’s bank account.
• Settlement Windows: The settlement time is variable based on the Creator's risk profile and transaction history. Payout windows range from Instant Settlement (T+0) to T+1, T+2, or T+3 business days.
• Minimum payout amount is ₹100.
• Platform fees and payment gateway fees are non-refundable under all circumstances.

6. Prohibited Activities

Users must not:

• Use the Platform for any illegal activity under Indian law
• Engage in money laundering, fraud, or pyramid schemes
• Sell pirated software, cracked tools, or content that violates others' IP rights
• Sell harmful products including malware, spyware, or hacking tools
• Sell adult content without explicit written approval from the Company
• Circumvent the Platform's payment system (e.g., directing buyers to pay outside the Platform)
• Attempt to reverse-engineer, scrape, or disrupt the Platform's infrastructure
• Create multiple accounts to abuse referral programs, discounts, or other offers

7. Intellectual Property

• The Platform, its design, logos, trademarks, and software are owned by Vemate and protected under Indian IP laws
• Creators retain full ownership of their original Content uploaded to the Platform
• By uploading Content, Creators grant Vemate a non-exclusive, royalty-free licence to display, promote, and distribute that Content solely for the purpose of operating the Platform
• Buyers receive a personal, non-transferable licence to use purchased Content as described by the Creator

8. Disclaimer of Warranties

The Platform is provided on an "as is" and "as available" basis without warranties of any kind. We do not guarantee that:

• The Platform will be uninterrupted, error-free, or virus-free
• Content created or sold by third-party Creators meets any particular standard
• Results from using the Platform will meet your expectations

9. Limitation of Liability

To the maximum extent permitted by Indian law, Vemate shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform, including but not limited to loss of profits, data, or goodwill. Our total liability shall not exceed the amount you paid to us in the 3 months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless Vemate and its associates from any claims, damages, penalties, losses, or expenses (including legal fees) arising from: (a) your use of the Platform; (b) your violation of these Terms; (c) your Content; or (d) your violation of any third-party rights.

11. Account Suspension & Termination

• Vemate reserves the absolute right to suspend, restrict, or terminate any account immediately and without prior notice in cases of (a) Violation of Platform Policies, (b) Breach of these Terms, (c) Engagement in fraudulent or suspected illegal activities, or (d) Posing a significant security or reputational risk to the Platform.
• Upon termination, your right to use the Platform ceases immediately.
• Fund Retention: In the event of account suspension due to suspected fraud or suspicious transaction activity, Vemate reserves the right to withhold all pending settlements for a period of up to 180 days to facilitate an investigation and cover potential chargeback or legal liabilities.
• You may request account deletion at support@vemate.in.

12. Governing Law & Dispute Resolution

• These Terms are governed by the Digital Personal Data Protection Act (2023), the Information Technology Act (2000), and other applicable laws of India.
• Any disputes shall first be attempted to be resolved through mutual discussion within 30 days.
• Unresolved disputes shall be subject to the exclusive jurisdiction of courts in Allahabad (Prayagraj), Uttar Pradesh.
• Consumer disputes may be raised with the appropriate consumer forum under the Consumer Protection Act, 2019.

13. Modifications to Terms

We may revise these Terms at any time. Material changes will be notified via email or in-app notification at least 7 days before they take effect. Continued use of the Platform constitutes acceptance of the revised Terms.

14. Contact

15. Marketplace & Payment Gateway Compliance

• Vemate operates as a marketplace platform connecting Creators (sellers) and Buyers under the Easebuzz payment gateway's marketplace model
• Each Creator is assigned a unique Seller ID (the Creator's platform account identifier) upon registration
• This Seller ID is transmitted to Easebuzz as a User Defined Field (udf1) in every payment transaction to enable per-seller transaction traceability, regulatory compliance, and audit purposes
• Vemate does not share your Aadhaar number or PAN number with Easebuzz. Only the Seller ID (a system-generated identifier) is transmitted
• By registering as a Creator, you consent to this Seller ID being shared with Easebuzz and, where required, with regulatory authorities under applicable Indian law
• Creators must comply with Easebuzz's marketplace partner policies in addition to these Terms