Terms & Conditions
User Agreement : This document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
For the purpose of the User Agreement, Registered User / Guest User and wherever the context so require ‘You’ shall mean any natural or legal person who has agreed to become a member of the Website by providing Registration Data (as defined hereinafter) while registering on the Website as Registered User / Guest User using the computer systems of the Website and accepted this electronic version / electronic record of the User Agreement and has allocated himself a unique identification user name (“User ID” and “Password”) to become Registered User or have been identified as Guest User by providing cell number and email id..
As a new Registered User/ Guest User, this User Agreement shall be effective and binding upon your ‘acceptance’. ‘Acceptance’ shall mean your affirmative action in clicking on ‘check box’ and on the ‘continue button’ as provided on the registration page or clicking on ‘Buy Now’ button while transacting as Guest User or such other actions that implies your acceptance.
If you do not agree or are not willing to be bound by the terms and conditions of this User Agreement and nagina-in.com’s Rules and Policies , please do not click on the “check box ” and/or on the “continue” button and/or “Buy Now” button and do not seek to obtain access to or otherwise use the Website.
Amendments: www.nagina-in.com may amend this User Agreement and/or nagina-in.com Rules and Policies at any time by posting a revised version on the Website. All updates and amendments shall be notified to You via nagina-in.com Website. The revised version will be effective at the nagina-in.com posts it on the Website. In addition, if the revised version of this User Agreement includes a Substantial Change, nagina-in.com will provide you with 30 days’ prior notice of such Substantial Change/s by a Notification Preferences provided by You to nagina-in.com. You are advised to regularly check for any amendments or updates to the terms and conditions contained in this User Agreement and in www.nagina-in.com Rules and Policies. For the purpose of this User Agreement, the term “Substantial Change” means a change to the terms of this User Agreement that reduces your rights or increases your responsibilities.
1. Membership Eligibility
Use of the Website is available only to persons who can form legally binding contracts under Indian Contract Act, 1872. Persons who are “incompetent to contract” within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to use the Website. If you are a minor i.e. under the age of 18 years, you shall not register as a member of the Website and shall not sell, purchase or bid for any items on the Website. As a minor if you wish to purchase or sell an item on the Website such purchase or sale may be made by your legal guardian or parents who have registered as users of the Website or can use the Website as Guest User. nagina-in.com reserves the right to terminate your membership and refuse to provide you with access to the Website if it is brought to nagina-in.com notice or if it is discovered that you are under the age of 18 years.
Business entity registration: If you are registering as a business entity, you represent that you are duly authorized by the business entity to accept this User Agreement and you have the authority to bind that business entity to this User Agreement.
Guest User: If you are transacting as a Guest User, you shall not be allowed to list/ sell product or services on Website and there could be certain additional restrictions on you as a Guest User for your purchase and the other functionality of the Website available to you. As a guest user buyer will not be eligible for any gifts vouchers and all other benefits that are practically not possible to assign to a non-registered user.
2. Your Account and Registration Obligations
If you use the Website as Registered User, you are responsible for maintaining the confidentiality of your User ID and Password. If you use the Website as a Guest User you are responsible for maintaining the confidentiality of your email ID and cell number and for restricting access to your computer, computer system and computer network, and you are responsible for all activities that occur under your User ID and Password, email id and cell number as the case may be. Also as a Guest User, you shall ensure the physical security and possession of your cell phone. You agree, inter alia, to: 1. Provide true, accurate, current and complete information about yourself as prompted by nagina-in.com’s registration form or provided by You as Guest User (such information being the “Registration Data”) 2. You must not include any of your contact details such as email addresses etc in your User ID while registering as Registered User; and 3. Maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete or nagina-in.com has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with the User Agreement, nagina-in.com has the right to indefinitely suspend or terminate or block access of your membership with the Website and refuse to provide you with access to the Website.
3. Electronic Communications
When You use the Website or send emails or other data, information or communication to nagina-in.com, You agree and understand that You are communicating with nagina-in.com through electronic records and You consent to receive communications via electronic records from nagina-in.com periodically and as and when required. nagina-in.com will communicate with You by email or electronic records on the nagina-in.com Website which will be deemed adequate service of notice/electronic record.
4. Fees and Services.
Membership on the Website is free. nagina-in.com does not charge any fee for browsing and buying on the Website. However, before you list an item for sale through the Website, we request you to review our Fees and Credit Policy, which is hereby incorporated by reference into this agreement. nagina-in.com reserves the right to change its Service Fee and Credit policies from time to time. In particular, nagina-in.com may at its sole discretion introduce new services and modify some or all of the existing services offered on the Website. In such an event nagina-in.com reserves the right to introduce fees for the new services offered or amend/introduce fees for existing services, as the case may be. Changes to the Fee and Credit policies shall be posted on the Website and such changes shall automatically become effective immediately after they are posted on the Website. Unless otherwise stated, all fees shall be quoted in Indian Rupees and be payable to M/s RG Enterprises within such time as specified in the invoice.
4.1 How fee is charged and payment schedule. We process online payments on merchants behalf and send the money to merchant after deducting our service fees. Merchants does not have to deal with online payments as we take care of it. All we need from merchants some banking and accounting information for us to set-up online bank transfer account. We have a weekly payment cycle. Every Friday money (order final value minus our service fees) will be electronically transferred for all Completed Orders occurred two weeks back to your mentioned bank account.
4.2 Taxes: You are responsible for paying all fees associated with the use of the Website and you agree to bear any and all applicable taxes, charges, cesses etc. levied thereon.
4.3 Non payment: nagina-in.com reserves the right to issue a warning, temporarily /indefinitely suspend or terminate your membership of the Website and refuse to provide you with access to the Website in case of non-payment of fees by you to nagina-in.com. nagina-in.com also reserves the right to take legal action in case of non-payment of fees by you to nagina-in.com.
5. Use of the Website
5.1. You understand and agree that nagina-in.com and the Website merely provides hosting services to its Registered Users and persons browsing / visiting the Website. All items advertised / listed and the contents therein are advertised and listed by Registered Users and are third party user generated contents. nagina-in.com neither originates nor initiates the transmission nor select the sender and receiver of the transmission nor selects nor modify the information contained in the transmission. nagina-in.com has no control over the third party user generated contents.
5.2. You agree, undertake and confirm that your use of the Website shall be strictly governed by the following binding principles:
1. “Your Information” is defined as any information you provide to us or other users of the Website (“Users”) in the registration (as Registered User or as Guest User, buying or listing process, in the feedback area or through any e-mail feature. You are solely responsible for Your Information, and we act only as a passive conduit for your online distribution and publication of Your Information.
2. Your Information (or any items listed):
(a) belongs to another person and to which You does not have any right to;
(b) is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; or unlawfully threatening or unlawfully harassing including but not limited to “indecent representation of women” within the meaning of the Indecent Representation of Women (Prohibition) Act, 1986;
(c) harm minors in any way;
(d) infringes any patent, trademark, copyright or other proprietary rights or third party’s trade secrets or rights of publicity or privacy or shall not be fraudulent or involve the sale of counterfeit or stolen items;
(e) violates any law for the time being in force;
(f) deceives or misleads the addressee/ users about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
(g) impersonate another person;
(h) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or contains any Trojan horses, worms, time bombs, cancelbots, Easter eggs or other computer programming routines that may damage, detrimentally interfere with, diminish value of, surreptitiously intercept or expropriate any system, data or personal information;
(i) threatens the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation.
(i). shall not be false, inaccurate or misleading;
(j) shall not, directly or indirectly, offer, attempt to offer, trade or attempt to trade in any item, the dealing of which is prohibited or restricted in any manner under the provisions of any applicable law, rule, regulation or guideline for the time being in force. Without prejudice to the generality of the above, nagina-in.com does not permit transactions in the following items including but not limited to categories as stated in the Prohibited and Restricted Items Policy.
4. You represent and confirm that you shall be the sole and exclusive legal owner of all items, goods or products of any description that you wish to offer for sale on the Website. You shall have absolute right, title and authority to deal in and offer for sale such items, goods or products.
5. In the event that any transaction or attempted transaction relating to any item, good or service which is in violation of this User Agreement or applicable law comes to your knowledge, you shall take all steps to inform nagina-in.com of the same at email@example.com.
6. You shall at all times ensure full compliance with the applicable provisions of the Information Technology Act, 2000 and rules thereunder as applicable and as amended from time to time and also all applicable Domestic laws, rules and regulations (including the provisions of any applicable Exchange Control Laws or Regulations in Force) and International Laws, Foreign Exchange Laws, Statutes, Ordinances and Regulations (including, but not limited to Sales Tax/ VAT, Income Tax, Octroi, Service Tax, Central Excise, Custom Duty, Local Levies) regarding your use of our service and your bidding on, listing, purchase, solicitation of offers to purchase, and sale of items or services. You shall not engage in any transaction in an item or service, which is prohibited by the provisions of any applicable law including exchange control laws or regulations for the time being in force. In particular you shall ensure that if any of your items listed on the Website qualifies as an “Antiquity” or “Art treasure” as defined in the Act (“Artwork”), you shall indicate that such Artwork is “non-exportable” and sold subject to the provisions of the Arts and Antiquities Act, and shall ensure that it is not delivered to buyer (as defined under the Buying section) at any place outside India.
7. From time to time, you shall be responsible for providing information relating to the items or services proposed to be sold by you. In this connection, you undertake that all such information shall be accurate in all respects. You shall not exaggerate or over emphasize the attributes of such items or services so as to mislead other Users in any manner.
8. You shall not attempt to or circumvent or manipulate our Fee structure, the billing process or Fees owed to nagina-in.com as detailed and agreed in MOU signed by merchants/sellers.
6. Platform for Communication The Website is only a venue where Users may meet and interact with one another for their transactions. nagina-in.com is not and cannot be a party to or control in any manner any transaction between two Users of the Website. Consequently:
1. All commercial / contractual terms are offered by and agreed to between buyers and sellers alone. The commercial / contractual terms include without limitation price, shipping costs, payment methods, payment terms, date, period and mode of delivery, warranties related to goods and services and after sales services related to goods and services. nagina-in.com does not have any control or determines or advises or in any way involves itself in the offering or acceptance of such commercial / contractual terms between buyers and sellers.
2. nagina-in.com is not responsible for any non-performance or breach of any contract entered into between Users (includes Registered User or Guest User). nagina-in.com cannot and does not guarantee that the concerned Users will perform any transaction concluded on the Website. nagina-in.com shall not and is not required to mediate or resolve any dispute or disagreement between Users.
3. nagina-in.com does not make any representation or Warranty as to the attributes (such as quality, worth, marketability, etc.) of the items or services proposed to be sold or offered to be sold or purchased on the Website. In particular, nagina-in.com does not implicitly or explicitly support or endorse the sale or purchase of any items or services on the Website. nagina-in.com accepts no liability for any errors or omissions, whether on behalf of itself or third parties.
4. nagina-in.com does not make any representation or warranty as to the attributes (such as legal title, creditworthiness, identity, etc.) of any of its Users. You are advised to independently verify the bona fides of any particular User that you choose to deal with on the Website and use your best judgment in that behalf.
5. nagina-in.com does not at any point of time during any transaction between buyer and seller on Website come into or takes of any of the goods or services offered by seller nor does it at any point gain title to or have any rights or claims over the goods or services offered by seller to buyer. nagina-in.com may provide fulfillment and logistics services to certain merchants/sellers but still does not take possession or title of any product or service sold.
6. The Website is only a venue through which Users can reach a larger base to buy and sell items or services. nagina-in.com is only providing a platform for communication and it is agreed that the contract for sale of any of the products or services shall be a strictly bipartite contract between the Seller and the buyer. At no time shall any right, title or interest over the items vest with nagina-in.com nor shall nagina-in.com have any obligations or liabilities in respect of such contract. nagina-in.com is not responsible for unsatisfactory or delayed performance of services or damages or delays as a result of items, which are out of stock, back ordered or otherwise unavailable. All items are offered only for a restricted time and only for the available supply.
7. At no time shall any right, title or interest over the items vest with nagina-in.com nor shall nagina-in.com have any obligations or liabilities in respect of such contract. nagina-in.com is not responsible for unsatisfactory or delayed performance of services or damages or delays as a result of items which are out of stock, back ordered or otherwise unavailable. All items are offered by sellers are only for a restricted time and only for the available supply as offered by sellers.
8. You shall independently agree upon the manner and terms and conditions of delivery, payment, insurance etc. with the other Users that you transact with.
9. You release and indemnify nagina-in.com and/or any of its officers and representatives from any cost, damage, liability or other consequence of any of the actions of the Users of the Website and specifically waive any claims that you may have in this behalf under any applicable law. Notwithstanding its reasonable efforts in that behalf, nagina-in.com cannot control the information provided by other Users which is made available on the Website. You may find other User’s information to be offensive, harmful, inaccurate, or deceptive. Please use caution and practice safe trading when using the Website. Please note that there may be risks in dealing with foreign nationals, underage persons or people acting under false pretense.
7A. Your Consent:
Payments for items on the Website can be made through the electronic or through Cash on delivery transactions, as may be permitted by nagina-in.com to the website seller(s) in its sole discretion. We process online payments on merchants behalf and send the money to merchant after deducting our service fees. Merchants does not have to deal with online payments as we take care of it. All we need from merchants some banking and accounting information for us to set-up online bank transfer account. We have a weekly payment cycle. Every Friday money (order final value minus our service fees) will be electronically transferred for all Completed Orders occurred two weeks back to your mentioned bank account.
Without limiting other remedies, nagina-in.com may limit your activity, immediately remove your information or end your listing, warn other Users of your actions, immediately temporarily/indefinitely suspend or terminate or block your membership, and/or refuse to provide you with access to the Website in the event, but not limited to:
2. If nagina-in.com is unable to verify or authenticate any information you provide; or
3. If it is believed that your actions may cause legal liability for you, other Users or nagina-in.com. nagina-in.com may at any time at its sole discretion reinstate suspended Users. A User that has been suspended or blocked may not register or attempt to register with nagina-in.com or use the Website in any manner whatsoever until such time that such User is reinstated by nagina-in.com. Notwithstanding the foregoing, if you breach the User Agreement or the documents it incorporates by reference, nagina-in.com reserves the right to recover any amounts due and owing by you to nagina-in.com and to take strict legal action including but not limited to a referral to the appropriate police or other authorities for initiating criminal or other proceedings against you.
All purchases on the Website are a firm commitment to purchase. If you are the purchaser for any item, you are obligated to complete the transaction with the seller.
By purchasing on an item you agree to be bound by the conditions of sale included in the item’s description (or linked to from the description) so long as those conditions of sale are not in violation of the User Agreement or unlawful. In case of consumer goods, sellers on the Website may or may not specify the retail prices of the items being sold. You are advised to independently verify the retail prices of such items if you so desire.
nagina-in.com strongly advises you not to test the site with false purchases, as it will put you at substantial personal legal risk. It is an offence to use a false name, other false personal information or a known invalid/ unauthorized credit/ debit/ cash card and such other infrastructure directly through Bank or financial institution infrastructure or indirectly through Payment Aggregator. Willfully entering erroneous or fictitious bids may result in prosecution by nagina-in.com.
Please be aware that even if you do not give nagina-in.com your real name, your Web browser transmits a unique address to us, which can be used by law enforcement officials to identify you. If you are a registered buyer on the Website we encourage you to post feedback on the seller after the transaction is closed.
In case of purchase of an Artwork which is marked as “non-exportable” on the Website or it is illegal to export the same and you agree that the Artwork shall not be exported out of India or otherwise dealt in any such manner which shall be in contravention of any law for the time being in force or any rules, regulations, notifications and orders passed there under.
11. Fulfillments and Shipping.
nagina-in.com from time to time may offer certain fulfillment services to Sellers, however, Sellers remain responsible for the overall shipping quality, time it takes for the delivery, and cost of shipping. nagina-in.com may provide pick-up, storage, and delivery services to Sellers but all of these services are provided as contract or outsourced services on behalf of merchants. At no time, nagina-in.com takes title or ownership of any product or inventory.
12. Buyer Protection at nagina-in.com:
All the merchants selling at nagina-in.com are well screened by our team before they are brought on board. We assure you that all the products you buy from our website, regardless of the merchant are genuine, authentic, products being sold by well reputed and honorable merchants at the best prices possible. Of course, we also offer all the warranties, guarantees as entailed by the product, all this at a great price and with the best customer service in the industry.
At nagina-in.com, we believe that customer satisfaction is key- therefore we stand behind all merchandise bought at our site. We will replace any order within 7 days of delivery, with free return shipping if you receive a product which is not as per the specifications ordered by you, – (i) wrong size, (ii) wrong color, (iii) defective or (iv)significantly different from the description given by the merchant. However do make sure that the merchandise has not been used/worn or altered and is accompanied by its original price tag and packing slip. Please contact our customer support, so we can help facilitate your return.
12.1 If nagina-in.com has suspicion or knowledge, that any of its members are involved in any activity that is intended to provide claims or information that is false, misleading or not genuine, then nagina-in.com may while reserving its rights to initiate civil and/or criminal proceedings against member may also at its sole discretion suspend, block, restrict, cancel the user id of Registered User and such necessary action against Guest User of such member and/or disqualify that member and any related members from availing protection through this program.
12.2 nagina-in.com reserves its right to initiate civil and/or criminal proceedings against a user who, files a invalid and/or false claims or provides false, incomplete, or misleading information. In addition to the legal proceedings as aforesaid, nagina-in.com may at its sole discretion suspend, block, restrict, cancel the user id [and its related user ids] of such user and/or disqualify that member and any related members from availing protection through this program.
12.3 Any person who, knowingly and with intent to injure, defraud or deceive, files a Fraudulent Complaint containing false, incomplete, or misleading information may be guilty of a criminal offence and will be prosecuted to the fullest extent of the law.
As a registered member, you may list item/s for sale on the Website in accordance with the Listing Policies more fully detailed at nagina-in.com Rules and Policies. You must be legally able to sell the item(s) you list for sale on our Website. You must ensure that the listed items do not infringe upon the intellectual property, trade secret or other proprietary rights or rights of publicity or privacy rights of third parties. Listings may only include text descriptions, graphics and pictures that describe your item for sale. All listed items must be listed in an appropriate category on the Website. All listed items must be kept in stock for successful fulfillment of sales. All listings must comply with nagina-in.com.
The listing description of the item must not be misleading and must describe actual condition of the product. If the item description does not match the actual condition of the item, you agree to refund any amounts that you may have received from the buyer. You agree not to list a single product in multiple quantities across various categories on the site. nagina-in.com reserves the right to delete such multiple listings of the same product listed by you in various categories.
nagina-in.com uses third party payment providers to receive payments from buyers on sellers behalf. nagina-in.com is not responsible for delays or erroneous transaction execution or cancellation of orders due to payment issues. nagina-in.com takes utmost care to work with 3rd party payment providers, but does not control their systems, processes, technology and work flows, hence can not be held responsible for any fault at the end of payment providers. Further, nagina-in.com does not release the payment to Sellers until the order has been received by Buyers and they are satisfied with it. The Sellers should expect 3 to 4 weeks of delay from the time the payment received by nagina-in.com on behalf of Seller to when nagina-in.com is able to send the payment to Sellers. The Seller payment is typically net of the service fee charged by nagina-in.com for its services.
We encourage Registered buyers on the Website to provide feedback to seller after the transaction has closed, this helps all Users to know what it is like to deal with the said merchant/seller. After you conduct a transaction, if applicable, we encourage you to leave feedback for the buyer or seller that you dealt with. Please remember that you cannot retract the feedback once you have left it. Your feedback will be displayed along with your user ID. nagina-in.com will not be responsible for the feedback that you post on the Website and you should be careful about making comments that are not factual in nature and should not post defamatory or illegal or offensive/obscene contents.
You may not take any actions that may undermine the integrity of the feedback system. If you continue to receive negative feedback ratings, nagina-in.com reserves the right to suspend your membership, and you will be unable to list, buy or bid on the Website.
Export – You acknowledge that your feedback consists of comments left by other Users and a composite feedback number compiled by nagina-in.com, and that the composite number without the comments does not convey your full user profile. As feedback ratings are not designed for any purpose other than for facilitating trading between the Users, you agree that you shall not market or export your Website feedback rating in any venue other than on the Website.
Import – We do not provide the technical ability to allow you to import feedback from other websites to nagina-in.com because a composite number, without the corresponding feedback does not reflect your true online reputation within our community.
16. No Warranty
nagina-in.com and its suppliers, affiliates and service provider provide the Website and services “as is” and without any Warranty or condition, express, implied or statutory and specifically disclaim any implied Warranties of title, merchantability, fitness for a particular purpose and non-infringement. You expressly agree that your use of the Website is at your risk.
17. Limitation of Liability
In no event shall nagina-in.com or its suppliers, affiliates and service providers be liable for any direct, indirect, incidental, special, incidental, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses arising out of or in connection with the Website, its services or this agreement (however arising, including negligence).
nagina-in.com’s liability in any circumstance is limited to the amount of fees, if any, paid by you to nagina-in.com. nagina-in.com, its associates, affiliates and service providers and technology partners make no representations or Warranties about the accuracy, reliability, completeness, and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the Website or that the operation of the Website will be error free and/or uninterrupted. Consequently, nagina-in.com assumes no liability whatsoever for any monetary or other damage suffered by you on account of:
1. The delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website;
2. Any interruption or errors in the operation of the Website. You expressly understand and agree that shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if nagina-in.com has been advised of the possibility of such damages).
You shall indemnify and hold harmless nagina-in.com and (as applicable) nagina-in.com’s parent, subsidiaries, affiliates, third-parties and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys’ fees, made by any third party or penalty imposed due to or arising out of your breach of the User Agreement, nagina-in.com Rules and Policies, or the documents they incorporates by reference, or your violation of any law, rules or regulations or the rights of a third party.
None of the provisions of the User Agreement shall be deemed to constitute a partnership or agency between you and nagina-in.com and you shall have no authority to bind nagina-in.com in any manner whatsoever.
If any clause of the User Agreement shall be deemed invalid, void or for any reason unenforceable, such clause shall be deemed severable and shall not affect the validity and enforceability of the remaining clauses of the User Agreement.
This Agreement sets forth the entire understanding and agreement between You and nagina-in.com with respect to the subject matter hereof.
In nagina-in.com’s sole discretion, nagina-in.com may transfer its rights and obligations (also known as “assign”) under this Agreement without your prior express consent, provided that nagina-in.com assigns the Agreement on the same terms or terms that are no less advantageous to You.
If any dispute arises between you and nagina-in.com during your use of the Website or thereafter, in connection with the validity, interpretation, implementation or alleged breach of any provision of the User Agreement, or the documents they incorporates by reference, the dispute shall be referred to a sole Arbitrator who shall be an independent and neutral third party identified by nagina-in.com.
21. Governing Law
The User Agreement or the documents they incorporates by reference shall be governed and construed in accordance with the laws of India.
This document is an electronic record in terms of Information Technology Act, 2000 and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
We as a merchant shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any Transaction, on Account of the Cardholder having exceeded the preset limit mutually agreed by us with our acquiring bank from time to time.