01 Acceptance & Binding Agreement
These Terms and Conditions constitute a legally binding agreement between you (whether individually or on behalf of an entity, referred to as "Client", "User", or "You") and MakeMyPanCard / SahiKhata WhatsApp Gateway (referred to as "Company", "Platform", "We", or "Us") regarding your access to and use of https://api.sahikhata.in and our associated API gateways and SaaS applications.
By creating an account, generating an API key, or connecting a WhatsApp Business Account (WABA), you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and official Meta WhatsApp Business Solution Policies.
02 Platform Services & Architecture
MakeMyPanCard provides high-availability cloud infrastructure enabling businesses to connect their Meta WhatsApp Cloud API credentials to programmatically send PAN application tracking alerts, transactional dispatches, customer service chats, broadcast notifications, and AI bot workflows.
- Direct Meta Cloud Routing: Outbound messages are delivered directly via Meta's Graph API endpoints without intermediaries.
- Multi-Device / Multi-Number Support: Allows connecting multiple official Meta Phone Number IDs under a single organization account.
- Webhook Infrastructure: Delivery status receipts (sent, delivered, read, failed) pushed in real-time to customer HTTP endpoints.
03 Acceptable Use Policy & Anti-Spam Compliance (Strict)
MakeMyPanCard enforces a Zero-Tolerance Spam Policy in strict accordance with Meta WhatsApp Commerce & Business Policies and the Telecom Commercial Communications Customer Preference Regulations (TCCCPR).
You explicitly represent, warrant, and covenant that:
- Verifiable Prior Opt-In: You will only send WhatsApp messages to recipients who have granted prior, affirmative, and verifiable consent to receive communication from your brand.
- Instant Opt-Out Mechanism: All marketing broadcasts must contain clear instructions allowing the recipient to unsubscribe (e.g., "Reply STOP to unsubscribe").
- Prohibited Categories: You shall NOT use our platform to distribute content related to illegal gambling, adult content, fraudulent loan offers, unsolicited investment schemes, hate speech, malware, or counterfeit goods.
- Quality Rating Maintenance: You must maintain a GREEN or YELLOW Phone Number Quality Rating on Meta Business Manager. If your number drops to RED status due to recipient spam reports, your account may be restricted automatically.
04 Service Level Agreement (SLA) & Availability
We commit to maintaining a 99.9% uptime for our REST API routing endpoints and webhook listener infrastructure.
Exceptions: Uptime commitments exclude downtime caused by Meta platform-wide outages, upstream telecom cellular downtime, force majeure events, or scheduled maintenance communicated at least 24 hours in advance.
05 Subscription Fees, Meta Charges & Billing
- SaaS Subscription: Fees are charged based on your selected plan (Starter at ₹999/mo, Growth at ₹2,499/mo, Enterprise at ₹5,999/mo) and billed monthly or annually in Indian Rupees (INR) with applicable GST.
- Meta Direct Conversation Charges: WhatsApp conversation fees charged directly by Meta Platforms (such as Marketing, Utility, Service, or Authentication conversation categories) are billed directly to your Meta Business Manager payment method and are separate from MakeMyPanCard SaaS fees.
- Refund Policy: We offer a 7-day money-back guarantee on the initial monthly subscription fee if the platform fails to meet our technical SLA. Setup fees and consumed Meta conversation credits are non-refundable.
06 Intellectual Property & Data Ownership
Your Data: You retain complete, unrestricted ownership of all contact lists, customer phone numbers, message content, and media assets processed through the gateway. We do not claim any intellectual property rights over your customer data.
Platform Rights: All software, documentation, algorithms, user interfaces, trademarks, and branding associated with MakeMyPanCard remain the exclusive intellectual property of MakeMyPanCard and its licensors.
07 Limitation of Liability & Indemnification
To the maximum extent permitted by applicable Indian law, MakeMyPanCard shall not be liable for any indirect, incidental, punitive, or consequential damages, including loss of business profits, data loss, or business interruption.
You agree to indemnify, defend, and hold harmless MakeMyPanCard, its directors, employees, and affiliates from any third-party claims, penalties, or damages arising out of your breach of Meta policies, lack of recipient consent, or transmission of prohibited content.
08 Governing Law & Dispute Resolution
These Terms and any dispute or claim arising out of them shall be governed by and construed in accordance with the laws of India. Any unresolved dispute shall be referred to arbitration under the provisions of the Arbitration and Conciliation Act, 1996, with the seat of arbitration in New Delhi, India. The courts of New Delhi shall have exclusive jurisdiction.