Terms of Service

These Terms of Service ("Terms") govern your access to and use of the SUQO platform, operated by SUQO AI Private Limited and available at suqo.ai. By creating an account or using SUQO, you agree to be bound by these Terms. Please read them carefully.

Acceptance of Terms

By registering for or using SUQO, you confirm that you are at least 18 years old, have the legal authority to enter into this agreement on behalf of your business, and agree to comply with these Terms.

If you do not agree to these Terms, you may not use the SUQO platform.

Description of Service

SUQO is a subscription management platform designed for Nepali businesses. It enables businesses to:

• Create and manage subscription plans
• Share payment links with their customers
• Collect recurring payments via eSewa, Khalti, ConnectIPS, or manual entry
• Send automated SMS reminders to subscribers
• Track payment history and billing cycles from a central dashboard

SUQO is a tool for managing subscriptions and does not itself provide financial services, banking, or lending.

Account Registration and KYC

To use SUQO, businesses must create an account and complete a Know Your Customer (KYC) verification process. You agree to:

• Provide accurate and complete registration information
• Submit genuine KYC documents as requested
• Keep your account credentials confidential and not share them with unauthorised parties
• Notify us immediately of any unauthorised use of your account

SUQO reserves the right to suspend or terminate accounts where KYC information is found to be false, incomplete, or misleading.

Business Responsibilities

As a business using SUQO, you are solely responsible for:

• The subscription products and services you offer to your customers
• The accuracy of plan names, descriptions, and billing amounts you set up
• Obtaining necessary consents from your subscribers before enrolling them
• Honoring your obligations to subscribers (service delivery, refunds, etc.)
• Complying with all applicable laws in Nepal, including consumer protection and financial regulations

SUQO is not a party to the subscription agreement between your business and your customers. Any disputes between you and your subscribers are your responsibility to resolve.

Platform Fees and Payments

SUQO charges no monthly fee, setup fee, or minimum usage requirement. Instead, we charge a single processing fee of 1.99% of each payment successfully collected through the platform. This fee is inclusive of the underlying payment gateway's own charges — there is no separate gateway fee on top of it.

• The 1.99% fee is deducted automatically before funds are paid out to you; you are not billed separately for it
• Automated SMS renewal reminders are charged at a flat NPR 1.49 per SMS credit. SMS charges accrue as reminders are sent and are deducted at payout
• There are no monthly subscription fees, setup fees, or minimum usage requirements

Pricing for the processing fee, SMS credits, and any future paid features is subject to change; we will notify you in advance of any changes.

When a subscriber pays through a SUQO payment link, the payment is collected into an account held by SUQO, since businesses on the platform do not hold their own individual merchant accounts with the underlying payment gateways. SUQO then pays out the collected amount, less the 1.99% processing fee and any accrued SMS usage charges, to your registered bank or wallet account. Payouts are processed within 1–2 business days of a payout request, subject to the processing timelines of the relevant payment gateway. Funds collected on your behalf are held solely for the purpose of completing your payout and are not used by SUQO for any other purpose.

Prohibited Use

You agree not to use SUQO to:

• Collect payments for illegal products, services, or activities
• Engage in fraud, misrepresentation, or deceptive practices
• Impersonate another business or individual
• Attempt to reverse-engineer, copy, or exploit the platform
• Distribute malware or engage in any activity that disrupts platform operations
• Violate any applicable law or regulation in Nepal or internationally

Violation of these prohibitions may result in immediate account suspension or termination without notice.

Intellectual Property

All content, design, code, and trademarks associated with SUQO are the property of SUQO AI Private Limited. You are granted a limited, non-exclusive, non-transferable licence to use the platform for your business operations only.

You retain ownership of any content or data you upload to SUQO (subscriber records, plan details, etc.). By using the platform, you grant us a limited licence to process this data solely for the purpose of providing the service.

Limitation of Liability

SUQO is provided "as is" without warranties of any kind. To the maximum extent permitted by applicable law, SUQO AI Private Limited shall not be liable for:

• Indirect, incidental, or consequential damages arising from your use of SUQO
• Loss of revenue, data, or business opportunities
• Service interruptions, payment gateway failures, or delays caused by third parties
• Actions or disputes between you and your subscribers

Our total liability to you in connection with the service shall not exceed the total platform fees paid by you in the three months preceding the claim.

Termination

You may close your SUQO account at any time by contacting us at [email protected]. Upon closure, your data will be retained for a legally required period and then deleted.

SUQO reserves the right to suspend or terminate your account at any time if you violate these Terms, engage in fraudulent activity, or if required by law. We will make reasonable efforts to notify you before doing so, except where immediate action is necessary.

Changes to Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date at the top of this page and may notify you by email. Continued use of SUQO after changes are posted constitutes your acceptance of the updated Terms.

Governing Law

These Terms are governed by the laws of Nepal. Any disputes arising from these Terms or your use of SUQO shall be subject to the jurisdiction of the courts of Nepal.

Contact Us

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

• Email: [email protected]
• Website: suqo.ai