MARGOGUIDE PAYMENTS, PAYOUT, AND SETTLEMENT POLICY

Effective Date: 01/02/2026
Last Updated: 28/02/2026

MargoGuide is committed to secure, transparent payments. This Payments, Points Payout, and Settlement Policy ("Policy") explains how payments are processed, , payouts released, and settlements handled on our Platform. It applies to all transactions between Travellers and Guides. By using the Platform, you agree to this Policy, as incorporated into the Guide Onboarding Agreement.

Important Notes:
- All users must be 18+ and comply with KYC requirements.
- Payments are processed via authorized gateways (e.g., Razorpay/PayU Payments) compliant with RBI regulations. The Platform is not an escrow service.
- Funds are settled to the Company's merchant account per standard cycles.
- Currency conversion and international fees may apply for foreign Travellers (per gateway terms). Foreign Travellers must comply with Indian forex regulations.
- All transactions are recorded for audit and dispute resolution (7-day window post-trip).
- You authorize the Company to collect and process payments on behalf of Guides, deduct commissions, and facilitate refunds/payouts per Policies.
- Strict Prohibition on Off-Platform Payments: You are strictly prohibited from making or attempting to make payments to Guides outside the Platform (including cash, bank transfers, or other methods) or circumventing the Platform's booking/payment processes. Any such activity is a material breach and may result in immediate suspension or permanent termination of your account, forfeiture of any pending refunds or credits, and reporting to relevant authorities if fraud is suspected. Guides are similarly prohibited from soliciting, accepting, or facilitating any off-platform payments or bookings, including through direct transfers, external links, or circumvention of the Platform. Violations will result in immediate suspension or permanent termination of your account, forfeiture of pending payouts, and potential legal action.
GUIDE PAYOUTS
- Earnings Calculation: After trip completion (verified via statuses), total booking amount minus Platform commission (rate: [20%]) is credited to your Guide account.
- Payout Release: Only for completed trips. Processed via Platform workflow or vendor settlement (post-trip verification).

SETTLEMENT PROCESS
- Company Settlement: Payments settle to Company's account per gateway terms).
- Payout Workflow: Platform releases Guide payouts after reconciliation (daily for completed trips).
- Disputes/Adjustments: Holds applied for investigations (e.g., no-shows, refunds). Evidence reviewed per Dispute Resolution Policy.
- Funds are processed through third-party payment gateways and settled to the Company's merchant account. The Platform is not an escrow service and holds no funds on behalf of users beyond standard processing times. Payouts are released strictly as per the Payout Policy.

SECURITY AND COMPLIANCE
- All payments use PCI-DSS compliant gateways.
- No off-Platform payments allowed; violations may suspend accounts.
- International payments: Subject to FEMA 1999 and RBI forex rules.

PLATFORM RIGHTS
- We may charge fees for chargebacks or invalid transactions.
- Accounts suspended for fraud; funds forfeited after notice.

GOVERNING LAW AND DISPUTE RESOLUTION
Governed by laws of India. Disputes subject to exclusive jurisdiction of courts in Vizianagaram, Andhra Pradesh, or arbitration seated therein under the Arbitration and Conciliation Act, 1996.

Updates notified via Platform. Contact guide.support@margoguide.com for queries.