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International Expansion & Cross-Border Compliance Addendum

Platform Operator: BillionBiz
Primary Payment Processor (Merchant-Controlled Account): Razorpay

1. Purpose & Scope

This Addendum governs cross-border sales conducted by Merchants using the Platform. It applies when:

  • Merchant sells to customers outside India
  • Merchant operates from outside India
  • Multi-currency payments are enabled
  • International shipping is offered

This Addendum supplements the Master SaaS Agreement. In case of conflict, this Addendum prevails for cross-border transactions.

2. Regulatory Positioning (Global)

BillionBiz remains a pure SaaS technology provider and:

  • Is not exporter or importer of record
  • Does not act as customs broker
  • Does not act as foreign exchange intermediary
  • Does not provide remittance services
  • Does not assume cross-border tax liability

All cross-border compliance rests solely with the Merchant.

3. Export / Import Compliance

3.1 Merchant Obligations

Merchant must:

  • Comply with Indian export laws (if shipping from India)
  • Ensure lawful import into destination country
  • Provide accurate HS codes
  • Provide accurate product descriptions
  • Ensure labeling compliance

Merchant bears sole liability for customs seizure, product bans, border delays, and regulatory penalties.

4. Sanctions & Embargo Compliance

Merchant represents that it:

  • Is not listed on sanctions lists
  • Does not transact with restricted persons
  • Does not sell into embargoed jurisdictions

Platform may geo-block high-risk countries. If required by law, access may be restricted.

5. VAT / GST / Sales Tax Obligations

5.1 Merchant Tax Responsibility

Merchant is solely responsible for:

  • EU VAT registration (if applicable)
  • UK VAT (if applicable)
  • US state sales tax compliance
  • Middle East VAT (if applicable)
  • OSS/IOSS schemes (if required)

BillionBiz does not calculate or remit foreign taxes.

6. Foreign Exchange (FX) Risk

Where multi-currency payments are enabled:

  • FX conversion is handled by payment processor
  • Settlement currency determined by Merchant's gateway configuration
  • Merchant bears FX fluctuation risk

BillionBiz is not responsible for conversion spreads, FX loss, or bank intermediary charges.

7. Cross-Border Payment Structure

All international transactions follow this flow:

Customer → Razorpay → Merchant Bank Account

BillionBiz does not intercept funds, delay settlements, hold reserves, or pool foreign currency.

Merchant must comply with FEMA and RBI foreign exchange guidelines where applicable.

8. Multi-Currency Display

Merchant may display local currency pricing or converted currency pricing.

Merchant must clearly disclose:

  • Currency conversion methodology
  • Applicable exchange rate timing
  • Final charge currency

Disputes due to currency misunderstanding remain Merchant's responsibility.

9. Consumer Law Compliance (International)

Merchant must ensure compliance with:

  • Local refund laws
  • Cooling-off periods
  • Warranty requirements
  • Consumer disclosure mandates

Platform does not guarantee compliance with foreign consumer regulations.

10. Digital Goods & Restricted Exports

If Merchant sells digital goods internationally, Merchant must ensure:

  • No encryption export violations
  • No software export control violations
  • No restricted technology transmission

Merchant liable for export control breaches.

11. Data Transfer & Privacy (Cross-Border)

Merchant acknowledges:

  • Data may be processed in India or other jurisdictions
  • Cross-border data transfer safeguards must be implemented where required

Merchant must update Privacy Policy to reflect international processing.

12. High-Risk Jurisdictions

Platform may restrict operations in jurisdictions subject to sanctions, high fraud ratios, or regulatory instability. Geo-blocking may be implemented without prior notice.

13. International Dispute Framework

Unless Merchant contract specifies otherwise, disputes between Merchant and BillionBiz remain subject to arbitration (as defined in Master Agreement) and Indian governing law.

Cross-border consumer disputes remain Merchant responsibility.

14. AML & Counter-Terror Financing

Merchant must not:

  • Process transactions involving sanctioned entities
  • Facilitate illegal remittances
  • Use platform for trade-based money laundering

Suspicious international activity may trigger immediate suspension.

15. Regulatory Change Adaptability

If future regulations require local entity formation, tax collection facilitation, cross-border compliance adjustments, or RBI licensing, BillionBiz may amend the agreement accordingly. Continued use constitutes acceptance.