Fintech & E-commerce Laws

A. Regulatory Compliance & Licensing

  • Ensuring compliance with RBI, SEBI, and IT Act regulations for FinTech and e-commerce businesses.
  • Advising on licensing requirements for:
  • Non-Banking Financial Companies (NBFCs)
  • Payment Banks, Payment Aggregators, and Wallets
  • Cross-border payment processing and foreign exchange transactions
  • Structuring regulatory frameworks for peer-to-peer (P2P) lending, digital banking, and cryptocurrency regulations.
  • Cross-Border Data Transfers & Localization – Addressing India’s Digital Personal Data Protection Act (DPDPA), 2023 and RBI’s data localization mandates for fintechs.

B. Digital Payments & API Agreements

  • Drafting and negotiating API Agreements, Vendor Agreements, and Payment Processing Contracts.
  • Ensuring compliance with data security, KYC norms, and AML (Anti-Money Laundering) regulations.
  • Advising on contractual obligations between merchants, acquirers, and payment processors.
  • UPI & Digital Wallet Compliance – Addressing NPCI guidelines for UPI, FASTag, and Bharat Bill Payment System (BBPS) transactions.
  • PCI-DSS & Payment Security Compliance – Ensuring adherence to Payment Card Industry Data Security Standard (PCI-DSS) and tokenization frameworks for digital payments.

C. E-Commerce Contracts & Consumer Protection

  • Drafting and reviewing E-Commerce Terms & Conditions, Refund Policies, and Privacy Policies.
  • Ensuring compliance with Consumer Protection (E-Commerce) Rules, 2020.
  • Advising on advertising regulations, liability protection, and dispute resolution under IT & Consumer Laws.
  • Advising IT intermediaries, online marketplaces, and digital platforms on compliance with the IT Act, Intermediary Guidelines, and liability frameworks, ensuring adherence to safe harbor protections, content moderation policies, and regulatory obligations.

D. Digital Lending & BNPL (Buy Now Pay Later) Compliance

  • Structuring and advising on digital lending models, including:
  • BNPL (Buy Now Pay Later), microfinance, and instant credit platforms.
  • Compliance with RBI’s Digital Lending Guidelines, Fair Practice Codes, and loan recovery norms.
  • Reviewing and negotiating loan agreements, co-lending arrangements, and risk-sharing contracts.
  • RBI’s First Loss Default Guarantee (FLDG) Regulations – Ensuring compliance with new rules on risk-sharing between fintech lenders and banks/NBFCs.
  • Structuring fintech lending deals that involve loan securitization and portfolio sales to investors.

E. Intellectual Property & Branding Protection for Digital Businesses

  • Advising on trademark registration, brand protection, and domain disputes.
  • Drafting intellectual property licensing, content protection, and software development agreements.
  • Ensuring compliance with copyright, digital rights management, and IP enforcement mechanisms.

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