1. Software Nature of Service (Not a Payment Gateway)

By registering an account, connecting an API key, or using the DrutoPay software suite, you ("Merchant", "User", "Client") enter into a legally binding contract with DrutoPay Technologies ("DrutoPay", "we", "us").

Our software acts as a technical bridge that reads incoming SMS messages on the merchant's own mobile device, extracts the transaction reference, and automatically fires webhooks to mark transactions paid on the merchant's application.

2. Zero Fund Holding & Direct-to-Account Transactions

The foundational operational principle of DrutoPay is that we NEVER touch, hold, collect, or settle customer money:

• Direct Wallet-to-Wallet: Every payment made by a customer transfers funds directly from the customer’s MFS/bank wallet to the merchant’s own personal, agent, or merchant MFS account (bKash, Nagad, Rocket, Upay).
• Zero Intermediation: Customer money never flows through DrutoPay accounts or wallets.
• Zero Settlement: Because we never hold your money, DrutoPay does not execute disbursements or settlement cycles. Merchants enjoy instant 100% liquidity.
• No Financial Control: DrutoPay possesses no ability to freeze, seize, withdraw, or reverse funds from the merchant’s MFS accounts.

3. Regulatory Compliance & Bangladesh Bank Notice Stance

DrutoPay strictly acknowledges the public warnings and regulatory advisories published by Bangladesh Bank and financial authorities concerning unauthorized payment aggregators and illegal escrow operations:

Merchants are individually responsible for ensuring that their business activities comply with the Bangladesh Payment and Settlement Systems Regulations (BPSSR) and National Board of Revenue (NBR) requirements.

4. Absolute Ban on Online Betting, Gambling & Financial Crimes

Any attempt to bypass this rule using obfuscated websites, URL redirects, proxy checkouts, or deceptive merchant names will be detected through our real-time audit crawlers and anomaly detection algorithms.

5. Immediate Permanent Suspension & Strict No-Refund Policy

If any merchant account is verified or credibly suspected of engaging in gambling, betting, or illegal financial activities:

• Permanent Account Termination: The merchant’s account, access credentials, API keys, and device sync connections will be instantly terminated with zero warning.
• Non-Refundable Subscription Fees: Any fees paid for monthly, annual, or custom subscription packages are strictly NON-REFUNDABLE under any circumstances. No partial, pro-rata, or goodwill refunds will be granted.
• Permanent Blacklist: The merchant’s domain names, contact numbers, MFS numbers, hardware UUIDs, and IP addresses will be permanently blacklisted across our network.

6. Android Gateway Device & Merchant Responsibilities

To utilize DrutoPay's automated SMS verification, the merchant must operate their own Android hardware:

• Device & SIM Ownership: The merchant must maintain lawful ownership of the SIM cards and MFS accounts inserted into their Android device.
• Connectivity & Power: The merchant is solely responsible for ensuring the Android gateway smartphone has stable Wi-Fi/4G internet access, adequate battery charge, and uninterrupted foreground service execution.
• Telecom Delays: Delivery of transactional SMS depends on mobile network operators (Grameenphone, Banglalink, Robi, Teletalk). DrutoPay is not liable for delayed or dropped SMS caused by telecom network congestion or operator outages.

7. Subscriptions, Fees & Fair Usage Limits

DrutoPay operates on a transparent SaaS subscription model:

• Flat Software Subscription: Merchants pay a fixed software access fee based on their chosen plan. We do not deduct per-transaction commissions or percentage cuts from your incoming customer payments.
• Fair Usage & Rate Limits: Merchants must respect API rate limits defined in our documentation. Abusive load testing, DDoS attempts, or unthrottled API spamming will result in temporary IP throttling or suspension.
• Plan Renewals: Subscription packages expire at the end of their stated billing period. If not renewed, SMS verification services will pause automatically.

8. Service Availability, Uptime & Disclaimers

DrutoPay strives for 99.9% platform availability. However, the service is provided strictly on an "AS IS" and "AS AVAILABLE" basis:

• We do not guarantee uninterrupted uptime caused by third-party cloud outages, telecom SMS infrastructure failures, or upstream MFS maintenance windows.
• DrutoPay has no control over MFS operators freezing or limiting merchant SIMs due to daily volume thresholds or telecom compliance checks.

9. Limitation of Liability & Indemnification

To the fullest extent permitted by applicable law:

• DrutoPay and its founders, engineers, and affiliates shall not be liable for any indirect, incidental, punitive, or consequential damages—including loss of profits, customer disputes, MFS balance freezes, or business interruption.
• In any dispute, DrutoPay’s total cumulative liability shall strictly not exceed the total subscription fee paid by the merchant in the thirty (30) days preceding the claim.
• The merchant agrees to indemnify, defend, and hold harmless DrutoPay from any third-party claims, fines, or legal actions arising from the merchant’s illicit business, defective goods, or violation of these terms.

10. Law Enforcement Cooperation & Governing Law

These Terms and Conditions shall be governed by, interpreted, and enforced in accordance with the laws of the People's Republic of Bangladesh.

DrutoPay strictly cooperates with Bangladeshi law enforcement authorities, including CID Cyber Crime Division, Detective Branch (DB), Bangladesh Telecommunication Regulatory Commission (BTRC), and the National Cyber Security Agency. In the event of lawful investigative requests regarding illegal financial activities, fraud, or cyber crimes, full audit logs will be provided to authorized agencies.

11. Official Contact & Support Channels

For legal inquiries, dispute resolutions, or technical assistance regarding these Terms, contact us exclusively through our official verified channels: