TERMS OF SERVICE

Biswas Enterprise - UK Operation and India Operation

Effective Date: 15 May 2026 | Website: https://www.biswasenterprise.co

Merchant and Operating Entity Disclosure

These Terms of Service are structured to clearly disclose the legal entities, operating roles, billing arrangements, service delivery responsibilities, refund framework, and applicable jurisdiction for users who access or purchase services under the brand name "Biswas Enterprise".

Important: FMT INFOTECH PVT LTD is described in these Terms as the Indian operating company/affiliate. It should not be treated as a legal "branch" of BISWAS ENTERPRISE LTD unless a separate branch registration exists under applicable law.

1. Introduction and Acceptance

   These Terms of Service ("Terms") constitute a legally binding agreement between the applicable Biswas Enterprise operating entity and any person, business, company, organisation, freelancer, contractor, or representative accessing the Website, requesting a quotation, making a payment, using our services, or communicating with us for any service requirement ("User", "you" or "your").

   The brand name "Biswas Enterprise" is used by BISWAS ENTERPRISE LTD and, for India-related operations, by FMT INFOTECH PVT LTD. The Website https://www.biswasenterprise.co, together with related communications, proposals, invoices, payment pages, service forms, project documents, support channels, and online or offline service interactions, is governed by these Terms.

   By visiting the Website, submitting information, requesting a consultation, accepting a proposal, approving a quotation, making payment, or using any service, you confirm that you have read, understood, and agreed to these Terms, the Privacy Policy, Refund/Cancellation Policy, and any additional service-specific terms or Statement of Work ("SOW") shared with you.

2. UK Operation

   The UK Operation is carried out by BISWAS ENTERPRISE LTD, a private limited company registered in England and Wales under Company Number 16030251, having its registered office at Tallis House, 2 Tallis Street, London, England, EC4Y 0AB, United Kingdom.

   The UK Operation may handle UK and international users, global client communications, technology consulting, project scoping, software development, project management, billing, invoicing, payment collection, contracting, and service fulfilment where the applicable invoice, proposal, SOW, payment page, or written communication identifies BISWAS ENTERPRISE LTD as the contracting or billing entity.

   Where BISWAS ENTERPRISE LTD issues the invoice or payment receipt, the contract for that transaction shall be deemed to be between the User and BISWAS ENTERPRISE LTD, unless expressly stated otherwise in writing.

3. India Operation

   The India Operation is carried out by FMT INFOTECH PVT LTD / FMT INFOTECH PRIVATE LIMITED, a private limited company incorporated under the laws of India, having CIN U93090WB2017PTC222351, PAN/IEC AADCF1782G, GSTIN 19AADCF1782G1ZK, and registered/operating address at 2/5 Chittaranjan Colony Road, Kolkata - 700092, West Bengal, India. For India Operation customer care and support, Users may contact subhajit@fmtserv.com or call +91-9804128112.

   FMT INFOTECH PVT LTD may operate under the brand name "Biswas Enterprise" for India-related operations, including technology support, software development, project coordination, customer support, billing, invoicing, payment collection, operational assistance, compliance coordination, administrative work, and service fulfilment for Indian users or India-routed transactions.

   Where FMT INFOTECH PVT LTD issues the invoice, payment link, receipt, GST invoice, proforma invoice, or commercial document, the contract for that transaction shall be deemed to be between the User and FMT INFOTECH PVT LTD, unless expressly stated otherwise in writing.

4. Relationship Between the UK and India Entities

   BISWAS ENTERPRISE LTD and FMT INFOTECH PVT LTD may work together under the same brand name "Biswas Enterprise" for operational convenience, service delivery, support, billing, client coordination, and business continuity.

   The two entities may share business leads, client requirements, operational support, project documents, communication records, payment status, and service-related information as required for legitimate business purposes and service fulfilment, subject to applicable data protection laws.

   Unless expressly stated otherwise in a written contract, invoice, SOW, or service order, each entity shall be responsible only for the services, invoices, payment obligations, tax obligations, representations, warranties, and liabilities undertaken directly by that entity. Nothing in these Terms shall create automatic joint liability between BISWAS ENTERPRISE LTD and FMT INFOTECH PVT LTD except to the extent required by applicable law.

5. Definitions

   • "Applicable Laws" means all laws, rules, regulations, statutes, ordinances, data protection laws, consumer protection laws, tax laws, payment laws, IT laws, and other legal requirements applicable to the relevant transaction, User location, billing entity, or service location.
   • "Company", "we", "us" or "our" means the applicable Biswas Enterprise operating entity, being BISWAS ENTERPRISE LTD for UK/international transactions and FMT INFOTECH PVT LTD for India-routed or India-invoiced transactions, unless the context states otherwise.
   • "Content" means all text, graphics, software, code, designs, user interfaces, documents, proposals, concepts, plans, reports, trademarks, trade names, logos, brand assets, images, videos, specifications, and other materials displayed on or provided through the Website or Services.
   • "Services" means the IT, software development, consultancy, technology support, project management, digital solution development, custom application development, and related business services offered by Biswas Enterprise.
   • "User" means any individual, company, business, organisation, legal entity, representative, client, prospective client, or visitor using the Website or Services.
   • "Statement of Work" or "SOW" means any quotation, proposal, project scope, milestone sheet, project agreement, email confirmation, invoice, payment link, or other written document specifying service deliverables, charges, timelines, responsibilities, and commercial terms.

6. Website Overview and Nature of Business

   Biswas Enterprise provides custom software development, IT consulting, digital product development, support, and technology solution services. The Website enables users to view service information, submit enquiries, request consultations, share project requirements, receive quotations, communicate with the Company, and make payments for approved services.

   Biswas Enterprise is a custom software development and IT service provider. We do not present the Website as a marketplace for resale of third-party software, and we do not sell restricted, illegal, counterfeit, prohibited, regulated, or misleading products or services through the Website.

7. Services Offered

   Our services may include, without limitation:

   • Custom software development and bespoke application development.
   • Business and domestic software development.
   • IT consulting and technology advisory.
   • Website, dashboard, portal, CRM, billing, inventory, LMS, ecommerce, and workflow system development.
   • AI-powered chatbot, reporting, analytics, automation, and business process tools.
   • GUI dashboard applications, Python/web applications, and internal business tools.
   • Project discovery, requirement analysis, UI/UX planning, prototype development, testing, deployment support, and maintenance.
   • Software support, bug fixing, updates, and related technical assistance.

   The exact deliverables, scope, price, taxes, payment schedule, timelines, technology stack, revisions, support period, ownership position, and maintenance obligations shall be determined by the relevant proposal, invoice, SOW, project document, or written confirmation.

8. Eligibility and User Representations

   • You represent that you are competent to enter into a legally binding contract under the laws applicable to you.
   • If you are acting for a business or legal entity, you confirm that you have authority to bind that entity.
   • You agree to provide true, accurate, complete, and updated information during registration, enquiry, payment, and service use.
   • You shall not use a false identity, impersonate another person, misrepresent your business, or submit misleading project requirements.
   • Minors may use the Website only under the supervision of a legal guardian, where legally permitted.

9. Registration, Account and Verification

   Certain services may require registration, account creation, OTP verification, identity/business verification, KYC-style checks, or third-party login through Google, Facebook, or other permitted platforms. We may request information including full name, email address, mobile number, entity name, registration number, CIN/LLP number/GST/VAT or equivalent tax details, address, billing details, project details, and any other information reasonably required for service delivery or compliance.

   You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted through your account. You must notify us immediately of any unauthorised use or security concern.

10. Quotations, Scope and Project Approval

    • All prices, timelines, features, and deliverables are subject to the approved proposal/SOW/invoice.
    • A project will be treated as approved when you accept a quotation, approve a scope, make payment, or confirm by email, message, ticket, form, or other written communication.
    • Any change in scope, additional feature, extra integration, urgent delivery requirement, or modification beyond the approved scope may require additional charges and revised timelines.
    • Delays caused by incomplete client information, delayed approvals, third-party service downtime, hosting limitations, external APIs, payment gateway restrictions, or client-side dependencies shall not be treated as delay by the Company.

11. Payments, Billing and Invoicing

    Payments may be collected online or offline through authorised payment gateways, bank transfer, UPI, card, wallet, international remittance, or other approved methods. Payment processing is handled by third-party payment service providers. We do not store full card numbers, CVV, UPI PIN, internet banking passwords, or sensitive payment credentials on the Website.

    Depending on the User location, tax position, operational requirement, service fulfilment route, or applicable law, invoices and receipts may be issued by BISWAS ENTERPRISE LTD or FMT INFOTECH PVT LTD. The entity named on the invoice, receipt, payment link, GST invoice, or SOW shall generally be the contracting and billing entity for that transaction.

    For India-routed transactions, GST and other applicable Indian taxes may be charged by FMT INFOTECH PVT LTD where required. For UK/international transactions, applicable UK or cross-border tax treatment may apply as per the relevant invoice and applicable law. Users are responsible for providing accurate tax, billing, and registration information.

    You agree to pay all charges associated with the Services selected or approved by you. Unless otherwise stated, charges are exclusive of applicable taxes, payment gateway charges, foreign exchange charges, bank fees, chargeback fees, and third-party service fees.

12. Payment Gateway Disclosure

    For payment gateway, bank, acquirer, risk, compliance, and audit purposes, we disclose that Biswas Enterprise offers custom software development and IT service solutions. The business does not sell physical goods through the Website unless expressly stated in a separate written agreement. Where a service is custom-built, delivery is digital and milestone-based rather than physical shipping-based.

    Payment gateways and payment service providers may conduct independent risk review, transaction monitoring, KYC, fraud checks, chargeback review, settlement holds, payment reversals, or compliance verification. We are not responsible for payment delays, declines, holds, reversals, or restrictions imposed by banks or payment service providers.

13. Delivery and Fulfilment Policy

    Since our Services are primarily digital, software, consultancy, or project-based services, delivery timelines depend on the approved scope, project complexity, client inputs, milestone approvals, third-party dependencies, and payment status.

    • For consultation or discovery services, delivery may be by online meeting, email, report, project note, or written recommendation.
    • For software development services, delivery may be by prototype, staging link, source file, repository access, deployment, dashboard access, downloadable file, or final handover as agreed in the SOW.
    • For support services, delivery may be through email, ticket, remote session, call, task completion, or technical report.
    • No physical shipping is applicable unless expressly mentioned in a specific invoice or written agreement.

14. Cancellation, Refund and Return Policy

    Because most services are custom, professional, digital, consultancy, or project-based, refunds are assessed according to the stage of work, approved scope, payment milestone, and actual work already performed.

    • Before Work Starts: If you cancel before any discovery, planning, design, development, consultation, third-party purchase, or resource allocation has started, a refund may be considered after deducting payment gateway charges, bank charges, administrative costs, or taxes where applicable.
    • After Work Starts: Once work has started, fees relating to completed work, time spent, planning, development, consultation, design, documentation, third-party purchases, or allocated resources are generally non-refundable.
    • Milestone Projects: For milestone-based projects, amounts paid for completed or active milestones are non-refundable. Future unpaid milestones may be cancelled by written notice, subject to outstanding dues.
    • Company Unable to Provide Service: If the applicable Biswas Enterprise entity is unable to provide the agreed Service due to reasons solely attributable to that entity, the User may be eligible for a refund for the undelivered portion, subject to verification.
    • Refund Request Timeline: Refund requests must be sent with invoice/payment details and reason for the request. For UK Operation or international transactions, Users may contact support@biswasenterprise.co. For India Operation transactions handled or invoiced by FMT INFOTECH PVT LTD, Users may contact subhajit@fmtserv.com or call +91-9804128112. Refunds, where approved, will be processed to the original payment method or other legally permitted method within a reasonable timeline, subject to banking and payment gateway processing timelines.
    • No Refund for Client Delay or Misuse: No refund shall apply for delays caused by the User, incomplete information, change of mind after work has started, non-cooperation, third-party restrictions, prohibited use, breach of these Terms, or services already delivered.

    For digital custom software and professional services, the concept of physical return does not apply. Any applicable return/refund treatment shall be governed by this clause and the relevant SOW/invoice.

15. User Obligations and Acceptable Use

    • Use the Website and Services only for lawful purposes.
    • Do not submit unlawful, fraudulent, misleading, harmful, abusive, obscene, defamatory, infringing, or prohibited content.
    • Do not attempt to hack, probe, scan, overload, reverse engineer, copy, scrape, disrupt, or misuse the Website, systems, servers, networks, or Services.
    • Do not use the Services for illegal activity, spam, phishing, financial fraud, impersonation, gambling, adult exploitation, malware, unauthorised surveillance, copyright infringement, or activities prohibited by applicable law or payment gateway rules.
    • Do not infringe the intellectual property, privacy, data protection, contractual, or legal rights of any third party.
    • Provide timely approvals, content, credentials, documentation, access, and feedback required for project delivery.
    • Independently verify that the Services are suitable for your business, compliance, technical, and legal requirements.

16. Content, Client Materials and Responsibility

    You are solely responsible for the accuracy, legality, originality, quality, ownership, and permissions relating to all content, data, files, credentials, project instructions, business information, brand assets, user data, software access, third-party accounts, API keys, hosting credentials, and other materials supplied by you.

    You confirm that you have all necessary rights, licences, permissions, and authority to provide such materials to us for the purpose of delivering the Services. You shall indemnify us against claims arising from your materials, instructions, data, or unlawful use of the Services.

17. Intellectual Property Rights

    All intellectual property rights in the Website, brand name, logo, domain, designs, templates, processes, know-how, internal tools, reusable code libraries, frameworks, documentation formats, workflows, concepts, service materials, and pre-existing assets of Biswas Enterprise shall remain with the applicable Biswas Enterprise entity or its licensors.

    For custom development projects, ownership of the final custom deliverables shall be governed by the relevant SOW, invoice, proposal, or written agreement. Unless the relevant SOW states otherwise, ownership or usage rights are transferred only after full payment of all agreed fees and dues.

    We may retain rights to generic know-how, reusable code, development frameworks, APIs, internal tools, libraries, templates, techniques, and non-client-specific components used or developed in the course of providing the Services, provided that confidential client information is not disclosed unlawfully.

18. Third-Party Services and Integrations

    The Services may involve third-party services such as hosting providers, domains, payment gateways, email providers, SMS gateways, APIs, analytics tools, cloud infrastructure, AI tools, open-source libraries, app stores, plugins, or other platforms. Your use of third-party services may be subject to their own terms, pricing, policies, uptime, limitations, data practices, and restrictions.

    We are not liable for failures, suspensions, downtime, pricing changes, API changes, account restrictions, data loss, compliance action, or service limitations imposed by third-party providers.

19. Data Protection and Privacy

    We may collect and process personal data and business information for legitimate business purposes, including enquiry handling, service delivery, account management, billing, compliance, support, fraud prevention, security, communication, and legal obligations.

    For UK-related processing, applicable data protection obligations may include the UK GDPR and the Data Protection Act 2018. For India-related processing, applicable Indian data protection, IT, tax, and business laws may apply. Where services involve cross-border operations between the UK and India, data may be accessed, transferred, stored, or processed by the applicable operating entities, affiliates, employees, consultants, contractors, and authorised service providers for service delivery and compliance purposes.

    Users should review the Privacy Policy available on the Website for further details on what data is collected, how it is used, data retention, user rights, cookies, and contact information for privacy requests.

20. Confidentiality

    Both parties shall make reasonable efforts to protect confidential information shared in connection with a project, including business ideas, credentials, technical information, project documents, financial information, customer information, and non-public materials. Confidentiality obligations shall not apply to information that is publicly available, independently developed, lawfully received from a third party, already known without confidentiality restrictions, or required to be disclosed by law, court order, regulator, payment gateway, bank, tax authority, or government authority.

21. Warranties and Disclaimer

    The Website and Services are provided on an "as is" and "as available" basis, except to the extent expressly agreed in a written SOW or required by law. We do not guarantee that the Website or Services will be uninterrupted, error-free, fully secure, virus-free, compatible with every third-party system, or suitable for every business outcome.

    Any information, suggestions, estimates, timelines, recommendations, examples, demos, or sample outputs provided through the Website or during consultation are for general guidance and project planning only, unless expressly incorporated into a binding SOW.

22. Limitation of Liability

    To the maximum extent permitted by applicable law, the applicable Biswas Enterprise entity shall not be liable for indirect, incidental, special, consequential, exemplary, punitive, or business-loss damages, including loss of profit, loss of revenue, loss of opportunity, loss of data, business interruption, loss of goodwill, third-party penalties, or cost of substitute services arising from the Website or Services.

    Where liability cannot be excluded, the total liability of the applicable Biswas Enterprise entity shall, to the extent permitted by law, be limited to the amount actually paid by the User to that specific entity for the specific service giving rise to the claim during the three months immediately preceding the claim.

23. Indemnity

    You agree to indemnify and hold harmless BISWAS ENTERPRISE LTD, FMT INFOTECH PVT LTD, their directors, officers, employees, consultants, agents, contractors, affiliates, and service providers against claims, losses, damages, liabilities, costs, penalties, and legal expenses arising from your breach of these Terms, misuse of the Website or Services, unlawful instructions, inaccurate information, third-party claims relating to your content or data, non-payment, fraud, chargebacks, or violation of applicable law.

24. Suspension and Termination

    We may suspend or terminate access to the Website, account, project, support, or Services without prior notice where we reasonably believe that you have breached these Terms, provided false information, failed to pay dues, misused the Services, created legal/compliance/payment risk, violated applicable law, or caused harm to us, other users, third parties, systems, or payment partners.

    Users may terminate their account or request deletion by emailing support@biswasenterprise.co, subject to retention required for legal, tax, accounting, compliance, dispute, fraud prevention, and business record purposes.

25. Communications and Notices

    By using the Website or Services, you consent to receive emails, calls, SMS, WhatsApp messages, platform messages, payment reminders, project communications, service updates, legal notices, and support communications from us, our representatives, affiliates, or authorised service providers. Service-related and transaction-related communications may be sent even if you opt out of promotional messages, to the extent permitted by law.

    All concerns or communications relating to these Terms should be sent to support@biswasenterprise.co.

26. Force Majeure

    We shall not be liable for delay or failure to perform obligations due to events beyond reasonable control, including acts of God, war, civil unrest, government action, regulatory action, court orders, internet failure, hosting outage, cyberattack, malware, payment gateway failure, banking failure, labour shortage, pandemic, natural disaster, fire, flood, power failure, telecom failure, third-party platform downtime, or other force majeure events.

27. Governing Law and Jurisdiction

    1. UK Operation

       Where the relevant transaction, invoice, SOW, payment receipt, or service document identifies BISWAS ENTERPRISE LTD as the contracting or billing entity, these Terms and the relevant transaction shall be governed by the laws of England and Wales. Subject to any mandatory consumer law, courts or arbitral tribunals having jurisdiction in London, United Kingdom shall have jurisdiction over disputes relating to such UK Operation transactions.

    2. India Operation

       Where the relevant transaction, invoice, GST invoice, payment receipt, SOW, or service document identifies FMT INFOTECH PVT LTD as the contracting or billing entity, these Terms and the relevant transaction shall be governed by the laws of India. Subject to any mandatory consumer law, the courts at Kolkata, West Bengal, India shall have exclusive jurisdiction over disputes relating to such India Operation transactions.

    3. Mixed or Cross-Border Transactions

       Where a transaction involves both the UK Operation and India Operation, the governing law and jurisdiction shall be determined by the entity named on the invoice, payment receipt, SOW, or written contract. If there is ambiguity, we may clarify the applicable contracting entity in writing based on the payment route, tax treatment, operational fulfilment, and service documentation.

28. Grievance, Complaints and Support

    For support, billing, refund, grievance, payment gateway query, compliance query, or service complaint, contact:

    • UK Operation Email: support@biswasenterprise.co
    • Website: https://www.biswasenterprise.co
    • UK Address: BISWAS ENTERPRISE LTD, Tallis House, 2 Tallis Street, London, England, EC4Y 0AB, United Kingdom.
    • India Address: FMT INFOTECH PVT LTD, 2/5 Chittaranjan Colony Road, Kolkata - 700092, West Bengal, India.
    • India Operation Email: subhajit@fmtserv.com
    • India Operation Contact Number: +91-9804128112

    We will review complaints and attempt to respond within a reasonable timeframe based on the nature of the issue, documents provided, internal review, payment gateway/bank response, and applicable legal requirements.

29. Changes to These Terms

    We may update, revise, or modify these Terms at any time by publishing the updated version on the Website. Continued use of the Website or Services after the updated Terms are posted shall constitute acceptance of the revised Terms. Users are responsible for reviewing these Terms periodically.

30. Miscellaneous

    • Entire Agreement: These Terms, together with the Privacy Policy, Refund/Cancellation Policy, invoice, proposal, SOW, and written project documents, constitute the entire agreement relating to the relevant Services.
    • Severability: If any provision is held invalid or unenforceable, the remaining provisions shall remain valid to the fullest extent permitted by law.
    • No Waiver: Failure to enforce any provision shall not be treated as a waiver of future enforcement rights.
    • Assignment: We may assign, transfer, subcontract, or delegate operational obligations to affiliates, contractors, service providers, or successors where reasonably required for service delivery or business continuity.
    • Survival: Clauses relating to payments, refunds, intellectual property, confidentiality, data, limitation of liability, indemnity, dispute resolution, and applicable law shall survive termination.

31. Final Entity-Specific Summary for Users and Payment Partners

    If the invoice/payment document is issued by	Your contracting/billing entity is	Main governing law / jurisdiction
    BISWAS ENTERPRISE LTD	BISWAS ENTERPRISE LTD, England and Wales, Company No. 16030251	England and Wales / London, United Kingdom
    FMT INFOTECH PVT LTD / FMT INFOTECH PRIVATE LIMITED	FMT INFOTECH PVT LTD, India, CIN U93090WB2017PTC222351, GSTIN 19AADCF1782G1ZK	India / Kolkata, West Bengal

    This Terms of Service document is intended for website publication, payment gateway review, client transparency, and operational disclosure. It should be reviewed by a qualified legal professional before final publication or use for high-value contracts.