Paanj Paanj

Terms of Service

Last updated: November 12, 2025

Please read these Terms of Service ("Terms", "Terms of Service") carefully before using the Paanj messaging service (the "Service") operated by Paanj ("us", "we", or "our").

1. Acceptance of Terms

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.

2. Description of Service

Paanj provides a messaging-as-a-service platform that enables developers to integrate real-time chat functionality into their applications. The Service includes APIs, SDKs, and related infrastructure.

3. Account Registration

To use certain features of the Service, you must register for an account. You agree to:

  • Provide accurate, current, and complete information during the registration process
  • Maintain and promptly update your account information
  • Maintain the security of your account credentials
  • Accept all responsibility for activities that occur under your account
  • Immediately notify us of any unauthorized use of your account

4. Acceptable Use

You agree not to use the Service to:

  • Violate any applicable laws or regulations
  • Infringe upon the rights of others
  • Transmit any harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable content
  • Distribute spam, malware, or viruses
  • Attempt to gain unauthorized access to the Service or related systems
  • Interfere with or disrupt the Service or servers
  • Use the Service for any illegal or unauthorized purpose

5. API Usage and Rate Limits

Your use of the Paanj API is subject to rate limits and usage quotas based on your subscription plan. We reserve the right to modify these limits at any time with reasonable notice.

6. Payment and Billing

  • Fees: You agree to pay all fees associated with your chosen subscription plan
  • Billing Cycle: Subscription fees are billed in advance on a monthly basis
  • Payment Method: You must provide a valid payment method for paid plans
  • Overages: Usage beyond your plan limits may result in additional charges as specified in our pricing
  • Taxes: All fees are exclusive of applicable taxes, which you are responsible for paying

7. Cancellation and Refunds

You may cancel your subscription at any time. Cancellations take effect at the end of the current billing period.

Refund Policy:

  • 14-Day Money-Back Guarantee: A full refund will be issued if requested within 14 days of purchase or renewal.
  • After the 14-day period, we do not provide refunds for partial months of service or unused messages
  • No refunds will be issued for voluntary cancellations after the initial 14-day period
  • Exceptions: Refunds will be provided in the following cases:
    • If you do not get the Product you paid for
    • If you are charged the wrong amount, or charged twice by mistake
    • If the payment was made fraudulently
    • If the purchase was made fraudulently
    Please contact us immediately at [email protected] if you notice any billing discrepancies or issues

8. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to our collection and use of data as described in the Privacy Policy.

9. Intellectual Property

The Service and its original content, features, and functionality are owned by Paanj and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

10. Service Availability

While we strive to maintain high availability, we do not guarantee that the Service will be uninterrupted, timely, secure, or error-free. We reserve the right to modify or discontinue the Service with or without notice.

11. Limitation of Liability

To the maximum extent permitted by law, Paanj shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

12. Indemnification

You agree to indemnify and hold harmless Paanj and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising out of your use of the Service or violation of these Terms.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after such changes constitutes acceptance of the new Terms.

14. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use the Service will immediately cease.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Paanj operates, without regard to its conflict of law provisions.

16. Contact Us

If you have any questions about these Terms, please contact us at:

Email: [email protected]