This is an agreement between you or the entity that you represent (hereinafter “you” or “your”) and TetraMent Software Private Limited (hereinafter “Tetraa”, “we”, “us” or “our”) governing your use of www.tetraa.com and the mobile applications, including any user content, functionality and services offered on or through www.tetraa.com (the “website”) and the tetraa web & mobile applications (the “Application”), herein collectively referred to as the “Software”.

This Agreement consists of the following terms and conditions (hereinafter the “Terms”):

Acceptance of the Terms

You must be of legal age to enter into a binding agreement in order to accept the Terms. If you do not agree to the Terms, do not use our software. You can accept the Terms by checking a checkbox or clicking on a button indicating your acceptance of the terms or by actually using our software.

Description of Service
  • We provide a mobile invoicing service through our software.
  • You may use our software for your personal and business use or for internal business purpose in the organization that you represent.
  • You may connect to our software using any Internet browser or device supported by us.
  • You are responsible for obtaining access to the Internet and the equipment necessary to use our software.
  • You can create and edit content with your user account and if you choose to do so, you can publish and share such content.
Subscription to Beta Testing Programs

We may offer certain Services as closed or open beta services ("Beta Service" or “Beta Services”) for the purpose of testing and evaluation. You agree that we have the sole authority and discretion to determine the period of time for testing and evaluation of Beta Services. We will be the sole judge of the success of such testing and the decision, if any, to offer the Beta Services as commercial services. You will be under no obligation to acquire a subscription to use any paid Service as a result of your subscription to any Beta Service. We reserve the right to fully or partially discontinue, at any time and from time to time, temporarily or permanently, any of the Beta Services with or without notice to you. You agree that we will not be liable to you or to any third party for any harm related to, arising out of, or caused by the modification, suspension or discontinuance of any of the Beta Services for any reason.

Modification of Terms of Service

We may modify the Terms upon notice to you at any time through a service announcement or by sending email to your primary email address. If we make significant changes to the Terms that affect your rights, you will be provided with at least 30 days advance notice of the changes by email to your primary email address. You may terminate your use of the Services by providing us a notice by email within 30 days of being notified of the availability of the modified Terms if the Terms are modified in a manner that substantially affects your rights in connection with use of the Services. In the event of such termination, you will be entitled to prorated refund of the unused portion of any prepaid fees. Your continued use of the Service after the effective date of any change to the Terms will be deemed to be your agreement to the modified Terms.

User Sign up Obligations

You need to sign up for a user account by providing all required information in order to access or use our Software. If you represent an organization and wish to use our Software for corporate internal use, we recommend that you, and all other users from your organization, sign up for user accounts by providing your corporate contact information. In particular, we recommend that you use your corporate email address. You agree to: a) provide true, accurate, current and complete information about yourself as prompted by the signup process; and b) maintain and promptly update the information provided during sign up to keep it true, accurate, current, and complete. If you provide any information that is untrue, inaccurate, outdated, or incomplete, or if we have reasonable grounds to suspect that such information is untrue, inaccurate, outdated, or incomplete, we may terminate your user account and refuse current or future use of any or all of the services.

Payment Processing Service

Tetraa may allow you to make Payment Transactions. Your Payment Credentials are never stored on Tetraa servers. They are usually stored on Third Party Payment Gateways who have that feature enabled. All the third party providers who enable this feature are PCI DSS compliant. You can also access your Payment Instruments and transaction history of those transactions where the payments have been made through the Tetraa Web or Mobile app. Tetraa will charge your Payment Instruments stored on third party provider's servers for transactions using the Tetraa Service during payments. All transactions are subject to the terms and conditions of our Third Party Payment Gateways that are partnered by Tetraa and applies to both Sellers/Merchants and Buyers who transact through Tetraa.

Storing Payment Instruments

You can store a Payment Instrument with Tetraa by providing the payment credentials: credit card or debit card number and card expiration date. All data pertaining to payment instruments are stored in compliance on our Third Party Payment Partners. Payment instruments are stored in PCI DSS Level 1 certified databases of third party service providers. Tetraa instructs the payment providers to charge the payment instrument based on your payment approval.

Transacting through Tetraa

Tetraa facilitates a credit card or debit card payment by a Buyer from a Seller/Merchant that is registered with Tetraa. Tetraa stores information from Buyers, such as their Transaction Details and shipping information. Tetraa processes Payment Transactions on behalf of Sellers, as the agent of the Seller, through the appropriate credit card or debit card network, as applicable. When Buyer chooses to pay for an Invoice or Product with the Processing Service, Buyer authorizes the Seller to submit charges (and, in the case of refunds, credits) to Buyer's registered Payment Instrument. Tetraa will assist as agent of the Seller/Merchant in accessing the card networks and processing the Payment Transaction. Once Buyer's registered Payment Instrument is authorized, Buyer's payment obligation to Seller shall be deemed completed and discharged (except for Buyer's obligations in the event of a chargeback or other reversal). Purchases made are also subject to the terms and conditions governing Buyer's Payment Instrument between Buyer and the issuer of the Payment Instrument. Buyer is responsible for any charges and related fees that may be imposed under the Payment Instrument terms and conditions as a result of Buyer's use of a Payment Instrument. You acknowledge and agree that your purchases of Products are transactions between you and the Seller/Merchant, and not with Tetraa or any of their affiliates. Tetraa is not a party to your Payment Transaction for the purchase of Products, and Tetraa or other Tetraa affiliates are not a Buyer or a Seller in connection with any Payment Transaction, unless expressly designated as such in the listing of the Product on Tetraa Web Site.

Permissible Payment Transactions

You may only use the Tetraa Processing Service to process a Payment Transaction for a Product/Service that is purchased from a Seller/Merchant through a legitimate, bona fide sale of the Product/Service. The Processing Service may not be used to process a Payment Transaction, or otherwise transfer money between a Buyer and Seller, that is unrelated to a purchase of a Product. The Processing Service may not be used to receive cash advances from Sellers or to facilitate the purchase of cash equivalents (travelers checks, prepaid cards, money orders, etc.). You may not use the Processing Service to purchase any illegal goods or services or for any other underlying illegal transaction. You agree that you will not use the Processing Service to purchase any Products that violate these Terms of Service, other policies or rules applicable to the Processing Service, or Applicable Law. Failure to comply with these limitations may result in suspension or termination of your use of the Processing Service.

Service Fees

Tetraa does not charge a fee to use the Processing Service as a Buyer. The financial institution that issues your Payment Instrument may charge a fee in connection with the debiting or charging of the Payment Instrument resulting from the Payment Transaction. You should consult the terms and conditions governing your Payment Instrument for more information about any such fees. Some merchants may require you to pay the transaction fee, in which case, you will be charged the “Tetraa Fee” and it will be listed in your payment total. For some payments, you may be given the option to choose to pay to the Tetraa Fee by selecting that option in the payment flow.

Payment Processing Service - Merchants/Sellers
  • Fees - Tetraa Fee. Tetraa Fee is the transaction fees (banking, online payment gateway processing) that occur during an online payment. For each Tetraa payment you make or receive, Tetraa may charge a fee (Tetraa Fee) as specified. By default, the recipient, such as a seller/merchant, is charged the Tetraa Fee, and payer will not be charged the Tetraa Fee.
  • Facilitator Fee -The recipient, such as a seller, or a third party facilitating your payment transaction (Facilitator) may charge you additional service fees (Facilitator Fee) based on their terms and conditions. We recommend that you review Facilitator Fee terms before completing your payment.
  • Reversal Fee (Chargeback) - If a payment that you received is subject to a Reversal as set out in Transaction reversal, you may be charged a fee of Rs 100.00 per transaction for Indian Merchants (Reversal Fee).
  • Transaction Limits - Account limits. You are limited on the amount of money that can be sent from your Account per transaction. The per transaction limit is currently Rs. 25,000 for Indian Merchants. We reserve the right to decrease your transaction limit at any time, for any reason.
  • Increased Limits -You may apply for an increased sending limit by sending an email to our support team. Approval is solely in Tetraa’s discretion and may be reassessed and/or revoked at any time.
  • Funding source limitations -Recipient Limitation. A recipient, such as a seller, may choose not to accept some or all forms of Tetraa funding sources. This means buyer may not be able to choose from the full range of funding sources that they have available in their Account to complete your payment to that transaction .
  • Transaction reversal -Reversals or Chargebacks. Any payment that you receive may be reversed if: (a) the sender requests a reversal of the payment if the terms of the service are not met, (b) the sender's bank requests a reversal of the payment, or (c) Tetraa decides a Dispute against you (each a Reversal). You are liable to Tetraa for the full amount of any payment that you receive that is subject to a Reversal, and the Reversal Fee, if applied. You will not receive a refund of any Tetraa Fee that you may have paid.
  • Authorization to recover amounts due -You authorize Tetraa to recover any Reversal amounts due to the Financial Institution Partner by debiting your available Tetraa Balance. If you have an insufficient Tetraa Balance, you authorize Tetraa and the Financial Institution Partner to take any of the following actions to recover the remaining amounts from you: 1. Debit the bank or credit union account(s) linked to your Account, 2. Suspend your Account and require your immediate payment, 3. Engage in collection efforts.
  • Payment Settlement -Settlements are done directly to your wallet accounts or to your bank account through NEFT/IMPS or any other mode of deposit, based on the type of payment mode chosen by the buyer at the time of transaction. The deposits are generally done in T+2 days by the facilitators but in some cases may take longer due to unavoidable circumstances during which the facilitators will send you a prior notification through email to your registered email ID. All settlement amounts will have Transaction Fees (As per third party facilitator) and Tetraa fee (if any) deducted from deposit amount.
Personal Information and Privacy

Personal information you provide to us through our Software is governed by our Privacy Policy. Your election to use our Software indicates your acceptance of the terms of our Privacy Policy. You are responsible for maintaining confidentiality of your username, password and other sensitive information. You are responsible for all activities that occur in your user account and you agree to inform us immediately of any unauthorized use of your user account by email to support@tetraa.com or by calling us on any of the numbers listed on http://www.tetraa.com/. We are not responsible for any loss or damage to you or to any third party incurred as a result of any unauthorized access and/or use of your user account, or otherwise.

Communications from Tetraa

Our software may include certain communications from us, such as our Software announcements, administrative messages and newsletters. You understand that these communications shall be considered part of using our Software. As part of our policy to provide you total privacy, we also provide you the option of opting out from receiving newsletters from us. However, you will not be able to opt-out from receiving our Software announcements and administrative messages.


If we receive a complaint from any person against you with respect to your activities as part of use of the Services, we will forward the complaint to the primary email address of your user account. You must respond to the complainant directly within 10 days of receiving the complaint forwarded by us and copy us in the communication. If you do not respond to the complainant within 10 days from the date of our email to you, we may disclose your name and contact information to the complainant for enabling the complainant to take legal action against you. You understand that your failure to respond to the forwarded complaint within the 10 days’ time limit will be construed as your consent to disclosure of your name and contact information by us to the complainant.

Restrictions on Use

In addition to all other terms and conditions of this Agreement, you shall not: (i) transfer or otherwise make our Software available to any third party; (ii) provide any services based on us without prior written permission; (iii) use the third party links to sites without agreeing to their website terms & conditions; (iv) post links to third party sites or use their logo, company name, etc. without their prior written permission; or (v) use our Software for illegal purposes.

Spamming and Illegal Activities

You agree to be solely responsible for the contents of your transmissions through our Software. You agree not to use our Software for illegal purposes or for the transmission of material that is unlawful, defamatory, harassing, libelous, invasive of another's privacy, abusive, threatening, harmful, vulgar, pornographic, obscene, or is otherwise objectionable, offends religious sentiments, promotes racism, contains viruses, or that which infringes or may infringe intellectual property or other rights of another. You agree not to use our Software for the transmission of "junk mail", "spam", "chain letters", “phishing” or unsolicited mass distribution of email. We reserve the right to terminate your access to our Software if there are reasonable grounds to believe that you have used our Software for any illegal or unauthorized activity.

Inactive User Accounts Policy

We reserve the right to terminate user accounts that are inactive for a continuous period of 120 days. In the event of such termination, all data associated with such user account will be deleted. We will provide you prior notice of such termination and backup of your data by email. The data deletion policy may be implemented with respect to any or all of our Software. In case of accounts with more than one user, if at least one of the users is active, the account will not be considered inactive.

Data Ownership

We respect your right to ownership of content created or stored by you. You own the content created or stored by you. Unless specifically permitted by you, your use of our Software does not grant us the license to use, reproduce, adapt, modify, publish or distribute the content created by you or stored in your user account for our commercial, marketing or any similar purpose. But you grant us permission to access, copy, distribute, store, transmit, reformat, publicly display and publicly perform the content of your user account solely as required for the purpose of providing our Software to you.

User Generated Content

You may transmit or publish content created by you using our Software. However, you shall be solely responsible for such content and the consequences of its transmission or publication. Any content made public will be publicly accessible through the internet and may be crawled and indexed by search engines. You are responsible for ensuring that you do not accidentally make any private content publicly available. In the course of using any of our Software, if you come across any content with copyright notice(s) or any copy protection feature(s), you agree not to remove such copyright notice(s) or disable such copy protection feature(s) as the case may be. By making any copyrighted/copyrightable content available on our Software, you affirm that you have the consent, authorization or permission, as the case may be from every person who may claim any rights in such content to make such content available in such manner. Further, by making any content available in the manner aforementioned, you expressly agree that we will have the right to block access to or remove such content made available by you, if Tetraa receives complaints concerning any illegality or infringement of third party rights in such content. By using our Software and transmitting or publishing any content using our Software, you expressly consent to determination of questions of illegality or infringement of third party rights in such content by the agent designated by Tetraa for this purpose.


TetraMent, "Tetraa" and the Tetraa logo, are trademarks of TetraMent Software Private Limited. You agree not to display or use, in any manner, the Tetraa trademarks, without our prior written permission.

Disclaimer of Warranties

You expressly understand and agree that the use of our Software is at your sole risk. Our Software is provided on an as-is-and-as-available basis. Tetraa expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose. Tetraa makes no warranty that our Software will be uninterrupted, timely, secure, or virus free. Use of any material downloaded or obtained through the use of our Software shall be at your own discretion and risk and you will be solely responsible for any damage to your computer system, mobile telephone, wireless device or data that results from the use of our Software or the download of any such material. No advice or information, whether written or oral, obtained by you from Tetraa, its employees or representatives shall create any warranty not expressly stated in the terms.

Limitation of Liability

You agree that Tetraa shall, in no event, be liable for any consequential, incidental, indirect, special, punitive, or other loss or damage whatsoever or for loss of business profits, business interruption, computer failure, loss of business information, or other loss arising out of or caused by your use of or inability to use our Software, even if Tetraa has been advised of the possibility of such damage. Your sole and exclusive remedy for any dispute with Tetraa related to our Software shall be termination of our Software or service. In no event shall Tetraa's entire liability to you in respect of our Software, whether direct or indirect, exceed the fees paid by you towards our Software.


You agree to indemnify and hold harmless Tetraa, its officers, directors, employees, suppliers, and affiliates, from and against any losses, damages, fines and expenses (including attorney's fees and costs) arising out of or relating to any claims that you have used our Software in violation of another party's rights, in violation of any law, in violations of any provisions of the Terms, or any other claim related to your use of our Software, except where such use is authorized by us.

Suspension and Termination

We may suspend your user account or temporarily disable access to whole or part of our Software in the event of any suspected illegal activity, extended periods of inactivity or requests by law enforcement or other government agencies. Objections to suspension or disabling of user accounts should be made to support@tetraa.com within thirty days of being notified about the suspension. We may terminate a suspended or disabled user account after thirty days. We will also terminate your user account on your request. In addition, we reserve the right to terminate your user account and deny our Software upon reasonable belief that you have violated the Terms and to terminate your access to any of our Software in case of unexpected technical issues or discontinuation of our Software. Termination of user account will include denial of access to all our Software, deletion of information in your user account such as your e-mail address and password and deletion of all data in your user account.


If you have any questions or concerns regarding this agreement, please contact us at support@tetraa.com .