1. Acceptance of Terms & Scope
This website is operated by MerchFlow (Proprietor: Umesh Ramesh Gurav).
Registered Office / Address: Room no.7, Shankar shet Chawl, Khairani Road, near Shivam Vidyalay, Sakinaka, Kurla, Mumbai, Maharashtra - 400072.
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Merchant", "User", "Buyer", or "You") and MerchFlow (represented by proprietor Umesh Ramesh Gurav, hereinafter referred to as "MerchFlow", "we", "us", or "our").
By accessing, browsing, registering an account, creating payment links, or completing a checkout on MerchFlow, you agree to be bound by these Terms, our Privacy Policy, Refund Policy, Shipping Policy, and Risk & Compliance Policy.
2. Platform Nature & Services Provided
MerchFlow provides digital creative services, branding solutions, website & mobile UI/UX design, and commercial multimedia deliverables.
- Creative Design & Branding Packages: Bespoke logo design, vector master files (.AI, .EPS, .SVG, .PDF), comprehensive brand guideline books, and visual identity systems delivered electronically.
- UI/UX & Multimedia Deliverables: Modern website and mobile application UI/UX prototypes designed in Figma, social media creative kits, and commercial video editing packages.
- Payment Gateway Integration: Payments for creative packages and design services are processed directly via authorized, licensed third-party Payment Gateways (including Cashfree, Razorpay, Easebuzz, Instamojo). MerchFlow does not provide custodial, escrow, or fund-holding services.
3. Eligibility & Merchant Onboarding
To register as a merchant on MerchFlow, you must be at least 18 years of age, provide authentic KYC identity documents (PAN, Aadhaar, or Business Registration & GSTIN), and maintain a valid Indian bank account or UPI VPA.
4. Prohibited Content & Transactions
Merchants strictly agree NOT to sell or facilitate transactions involving adult content, gambling, betting, multi-level marketing (MLM), counterfeit goods, copyright infringements, weapons, drugs, or illegal financial advisory.
5. Fees, Invoicing & Payment Processing
MerchFlow charges standard package fees and milestone billing for digital creative deliverables, UI/UX designs, and branding services. Customer payments made through checkout links are routed through payment gateway infrastructure directly to verified bank accounts in accordance with standard bank clearance cycles (T+1 / T+2).
6. Chargebacks & Dispute Liability
The Merchant is responsible for all payment disputes or unauthorized transaction claims raised by buyers against their payment links. Disputes are handled directly through authorized Payment Gateway and acquiring bank mechanisms in accordance with standard banking dispute procedures.
7. Governing Law & Jurisdiction
These Terms shall be governed by the laws of India, with exclusive jurisdiction in the competent courts of India.
8. Contact & Grievance Redressal
For any notices, questions, or grievances regarding these Terms, please contact our support team: