Terms

Effective Date: 04-11-2025

These Terms and Conditions ("Terms") govern your access to and use of the services provided by Smart Commerce Pro (SMC-Private) Limited ("we," "us," or "our"). By accessing or using our services, including our APIs, platform, and website, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using any part of the Smart Commerce Pro platform — including but not limited to submitting a transaction, using our API services, registering as a merchant, or browsing our website — you agree to comply with and be legally bound by these Terms. If you do not agree to these Terms, you may not use our services.

2. Definitions

Platform: The digital infrastructure and APIs operated by Smart Commerce Pro for providing payment gateway and financial technology services.
User: Any individual or entity using the Smart Commerce Pro platform, including customers and merchants.
Merchant: A business or individual that has registered with Smart Commerce Pro to use our API and platform services.
Customer: End users who interact with a merchant and whose transactions pass through Smart Commerce Pro.
Services: All services provided by Smart Commerce Pro, including but not limited to API access, payment processing, and merchant dashboard.

3. User Responsibilities

Users must provide accurate and complete information during registration and usage.
Users must not use Smart Commerce Pro services for any unlawful, fraudulent, or abusive purposes.
Merchants must adhere to all applicable laws and payment service guidelines when using the platform.

4. Platform Responsibilities

Smart Commerce Pro shall make reasonable efforts to maintain uptime and security of the platform.
Smart Commerce Pro will facilitate transaction routing, status updates, and refund mechanisms according to posted policies.

5. Limitation of Liability

To the fullest extent permitted by law, Smart Commerce Pro is not liable for:

Merchant delivery failures or service disputes.
Third-party failures (e.g., banks, wallets).
Indirect, incidental, punitive, or consequential damages.
Liability is limited to the transaction amount in question or PKR 10,000 — whichever is lower.

6. Termination of Access

We reserve the right to suspend or terminate access to our services at any time, with or without notice, for any reason, including violation of these Terms.

7. Force Majeure

Smart Commerce Pro shall not be held responsible for any failure or delay in service due to causes beyond our control, including but not limited to acts of God, natural disasters, internet outages, cyberattacks, or governmental restrictions.

8. Cookies & Tracking Policy

Smart Commerce Pro may use cookies, web beacons, and other tracking technologies to improve your experience. By using our platform, you consent to:

Essential Cookies: Required for platform functionality and security.
Performance Cookies: Help us understand platform usage and optimize performance.
Analytics Tools: Usage of tools such as Google Analytics or Meta Pixel to monitor patterns and improve services.

9. API Usage Policy

This section applies to all merchants and developers using our API services.

Permitted Use: APIs may only be used for legitimate, approved business operations.
Fair Usage: Abuse or circumvention of predefined TPS (Transactions Per Second) and daily quota limits is strictly prohibited.
Prohibited Activities: APIs must not be used for money laundering, terrorist financing, unauthorized scraping, or redirecting funds to unapproved accounts.
Security Obligations: Merchants are responsible for keeping API keys secure and must report suspected breaches immediately.
Suspension: We reserve the right to throttle or revoke API access for any policy breach without prior notice.
Audit Rights: Smart Commerce Pro reserves the right to audit API usage logs for compliance purposes.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Pakistan. Any dispute shall be subject to the exclusive jurisdiction of the courts located in Pakistan.

11. Amendments

We may amend these Terms from time to time. Users will be notified via platform notice or email. Continued use of the service constitutes acceptance of the updated Terms.

✅ Support Contact Summary

Support Email: smartcommercepro724@gmail.com
Phone: 0322 5712905
Address: Shop No. 10, HS Flat, Gulberg No. 01, Saddar, Peshawar Cantt, Pakistan