A. Regulatory Compliance & Licensing
- End-to-end compliance with RBI, SEBI, and the IT Act for FinTech and E-Commerce Businesses.
- Strategic Advisory on licenses and regulations, including
- Non-Banking Financial Companies (NBFCs)
- Payment Banks, Payment Aggregators and Wallets
- Cross-Border payment processing and foreign exchange transactions.
- Legal structuring of regulatory frameworks for peer-to-peer lending, digital banking and cryptocurrency regulations.
- Compliance with India’s Digital Personal Data Protection Act, 2023 and RBI's data localisation regulations for fintechs.
B. Digital Payments & API Agreements
- Drafting and negotiating API agreements, Vendor Agreements, and Payment processing contracts, in compliance with KYC norms, data security, and AML (Anti-Money Laundering) Obligations.
- Structuring of contractual relations between merchants, acquirers, and payment processors.
- Compliance with the Payment Card Industry Data Security Standard (PCI-DSS), tokenization framework for digital payments, NPCI guidelines for UPI, FASTag and Bharat Bill Payment System (BBPS) transactions.
C. E-Commerce Contracts & Consumer Protection
- Drafting, reviewing, and negotiating of e-commerce terms and conditions, refund policies, and privacy policies, in compliance with the Consumer Protection E-commerce Rules 2020.
- Strategizing and advising on advertising regulations, liability protection, and dispute resolution under the prevalent IT and Consumer Protection laws.
- Guiding IT intermediaries, online marketplaces, and digital platforms on compliance with the IT Act, intermediary guidelines, and liability frameworks, while adhering to the safe harbour protections, content moderation policies, and regulatory obligations.
D. Digital Lending & BNPL (Buy Now Pay Later) Compliance
- Designing a digital strategy on digital lending model, including BNPL, microfinance and insurance credit platforms, compliance with RBI digital lending guidelines, fair practice codes and loan recovery norms.
- Drafting, reviewing and negotiating loan agreements, full lending agreements and risk-sharing agreements. RBI first-loss default guarantee regulations ensure compliance with key model loan risk-sharing, green fintech leaders, and banks and NBFCs. Advisory on fintech lending deals that involve loan securitization and portfolio sales to investors.
E. Intellectual Property & Branding Protection for Digital Businesses
- Devising a strategy on trademark registration, brand protection, and domain disputes, while complying with copyright, digital rights management, and the IP enforcement framework.
- Drafting, reviewing and negotiating intellectual property licensing, content protection, and software development agreements.
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Discover Frequently Asked Questions from Our Support
An e-commerce contract must comply with the obligations prescribed under the Consumer Protection (E-commerce) Rules, 2020. We at Corrida Legal provide services of drafting contracts to ensure that the e-commerce platform is legally compliant in India. These include, but are not limited to the clauses pertaining to a grievance redressal mechanism, disclaimers pertaining to imported goods, and the unilateral imposition of cancellation charges. Furthermore the contract must also provide clauses for payment terms, user obligations and other similar provisions.
Any e-commerce entity must ensure that its website has published the essential documents that dictate the user-entity relationship. These documents include terms and conditions, refund policies, and privacy policies.
Corrida Legal offers services of drafting and reviewing these e-commerce documents to ensure they remain compliant with the Consumer Protection (E-commerce) Rules, 2020, the Digital Personal Data Protection Act, 2023 and other relevant statutory provisions. These obligations include provisions which include but are not limited to the prevention of unfair trade practices, information regarding the data being collected and a grievance redressal mechanism.
We at Corrida Legal provide comprehensive assistance with respect to payment gateway regulations as governed by the Payment and Settlement Systems Act, 2007 and other directions published by the Reserve Bank of India. We provide the services of drafting API interface contracts to ensure that the contractual relationship between the entities is in compliance with KYC norms, and anti money laundering regulations.
E-commerce websites must ensure that they are compliant with the fair and transparent practices prescribed under the law. This includes the implementation of click wrap mechanism wherein the entity must ensure that any agreement or policy does not have the option “Agree” as auto-selected. We at Corrida Legal provide a comprehensive list of obligations to ensure that the e-commerce website remains legally compliant and mitigates the risk of disputes.
The e-voucher business is largely governed by the obligations prescribed by the RBI under the Master Directions on Prepaid Payment Instruments. As per the RBI directions, entities are mandatorily required to register themselves with the RBI, alongside adhering to the obligations applicable on such entities.
Corrida Legal provides the service of comprehensive assessment of the business operations to determine the relevant obligations under the directions. These services include reviewing the client’s business to determine whether the provisions are applicable to them.