Terms of Use

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THIS DOCUMENT IS AN ELECTRONIC RECORD IN TERMS OF THE INFORMATION TECHNOLOGY ACT, 2000, DIGITAL PERSONAL DATA PROTECTION ACT, 2023 AND RULES MADE THEREUNDER. THIS ELECTRONIC RECORD IS GENERATED BY A COMPUTER SYSTEM AND DOES NOT REQUIRE ANY PHYSICAL OR DIGITAL SIGNATURES.

1. INTRODUCTION

The domain name https://paisaguru.net/ and its associated sub-domains, sites, services, servers and tools, including the PaisaGuru Android Mobile Application (collectively, the "Platform") is owned and operated by PaisaGuru (hereinafter referred to as the "Company" or "We" or "Us"). The Company is inter alia engaged in the business of providing financial and educational content to the Users ("Services").

The Company reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms of Use ("Terms") at any time and will notify the User at least once in a year, or whenever there is a material change, by email or by posting a conspicuous notice on the Platform. The User's continued use of the Platform following any such changes shall be deemed acceptance of the revised Terms. As long as the User complies with these Terms, the Company grants the User a personal, non-exclusive, non-transferable, limited privilege to access and use the Platform.

The User should read these Terms and all further linked information referred to in these Terms, as such information contains further terms and conditions that apply to the User. Such linked information including but not limited to the Company's Privacy Policy is hereby incorporated by reference into these Terms.

2. DEFINITIONS

For the purpose of these Terms, wherever the context so requires, (a) all capitalised words and expressions defined by inclusion in quotation and/or parenthesis anywhere in these Terms have the same meanings as ascribed to such words and expressions; and (b) the following words and expressions shall bear the meanings ascribed to them below:

"User" shall mean any person who (a) simply accesses or browses the Platform; or (b) uses the Platform for the purpose of availing the Services.

"Force Majeure Event" shall mean any event that is beyond the reasonable control of the Company and shall include, without limitation, acts of God, civil or military authority, war, riots, civil disturbances, accidents, fire, earthquake, floods, strikes, lock-outs, epidemic, pandemic, quarantine restrictions, labor disturbances, foreign or governmental order, break-down or non-availability of data, technical errors in the Platform, non-retrievability of data due to third-party server failures, or any other reason whatsoever which may in any way prevent, restrict or interfere with the provision of the Services. In the event of disagreement as to what constitutes a Force Majeure Event, the decision of the Company shall be final and conclusive.

3. MEMBERSHIP ELIGIBILITY

Use of the Platform is available only to persons who can enter into legally binding contracts under the Indian Contract Act, 1872. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872, including minors, un-discharged insolvents and persons of unsound mind, are not eligible to use the Platform. Any person under the age of 18 shall not register on or use the Platform. The Company reserves the right to terminate any person's access in accordance with these Terms if the User is found to be ineligible. If the User represents a legal entity, organisation, or any other legal person, the User confirms and represents that they have the necessary power and authority to bind such person to these Terms.

4. ACCEPTANCE OF TERMS

The User is required to carefully read these Terms, as they contain the terms and conditions governing the User's use of the Platform and any content such as text, data, information, software, graphics, audio, video or photographs that the Company may make available through the Platform along with any Services that the Company may provide. By accessing or using the Platform, the User is agreeing to these Terms and entering into a legally binding contract with the Company. The User may not use the Platform if the User does not accept the Terms or is unable to be bound by them.

The User can accept these Terms by:

1. Accessing the Platform using their registered mobile phone number.

2. Actual usage of the Platform.

3. Clicking to accept these Terms when prompted on the Platform.

5. ACCESSING THE PLATFORM

To access PaisaGuru, the User provides their mobile phone number. No password or OTP is required at this time. The User is responsible for ensuring that their device and phone number remain secure and are not accessible to unauthorised individuals.

While accessing the Platform, the User shall not:

• Access the Platform on behalf of another person without their prior permission.

• Use an identity or number that belongs to another person with the intent to impersonate that person.

• Create more than one account on the Platform.

The Company cannot and will not be liable for any loss or damage arising from unauthorised access to the User's device or phone number.

The User confirms that all information provided while accessing the Platform is and will be true, accurate, up-to-date, and complete at all times. The Company shall have the right to indefinitely suspend or terminate or block access if information is found to be untrue, inaccurate, or incomplete, or if the User is found to be in violation of these Terms.

6. AI-GENERATED CONTENT

PaisaGuru uses artificial intelligence (Google Gemini) to generate financial education and guidance within the Platform. All AI-generated content is for informational and educational purposes onlyand does not constitute professional financial, legal, investment, or tax advice. The Company does not guarantee the accuracy of AI-generated responses and shall not be liable for any financial decisions made based on such content. Users are encouraged to seek independent advice from qualified professionals before making financial decisions.

7. SERVICES

The User will need to comply with these Terms in order to access and use the Services on the Platform. The User will be able to use the Platform to access AI-powered financial education and guidance, explore loan and investment products from third-party lenders, use fraud protection features, access financial literacy quizzes, and undertake such other activities as may be provided on the Platform from time to time.

The provision of Services on the Platform may be interrupted, including for maintenance, repairs, upgrades, or network or equipment failures. The Company strives to keep the Platform up and running; however, all online services suffer occasional disruptions and outages, and the Company is not liable for any disruption or loss the User may suffer as a result.

The Company may discontinue some or all of the Services provided on the Platform at any time, including certain features and support for certain devices and platforms.

8. USE OF THE PLATFORM

The User agrees, undertakes and covenants that, during the use of the Platform, the User shall not display, upload, modify, publish, transmit, store, update or share any information that:

• Belongs to another person or entity and to which the User does not have any right.

• Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another person's privacy, insulting or harassing on the basis of gender, hateful or racially or ethnically objectionable, sensational, depicting violence or threats of violence, relating to or encouraging money laundering or gambling, or otherwise contrary to the laws in force.

• Could be construed as divisive or hateful (gender-positive content is excluded from this, provided it is positive).

• Is harmful to children.

• Is misleading in any way.

• Involves junk mail, chain letters, or unsolicited mass mailing or spamming.

• Infringes upon or violates any third party's rights including any patent, trademark, copyright or other intellectual property rights, rights of privacy, or rights of publicity.

• Contains assertions or implications about a person's race, ethnic origin, religion, beliefs, age, sexual orientation or practices, gender identity, disability, medical condition, or financial status. Pro-equality content, particularly for gender and sexuality, shall be permissible.

• Impersonates another person or provides instructional information about illegal activities.

• Tries to gain unauthorised access or exceeds the scope of authorised access to the Platform or to any account information or other areas of the Platform.

• Engages in commercial activities without the Company's prior written consent.

• Exploits controversial political or social issues for commercial purposes.

• Interferes with another User's use of the Platform.

• Contains software viruses or any other computer codes, files or programs designed to interrupt, destroy or limit the functionality of any computer resource.

• Threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States, or public order.

• Is patently false and untrue, written or published with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury.

• Violates any law for the time being in force.

The User agrees and acknowledges that the User shall not use the Platform for any fraudulent, malicious, illegal or unauthorised purpose/activities. The User's use of any information or materials on the Platform is entirely at the User's own risk, for which the Company shall not be liable. The User agrees to comply with all laws, rules and regulations applicable to the use of the Platform.

The User accepts full responsibility for any consequences arising from the User's use of the Platform. The User shall not use anyone else's account at any time, and the Company shall not be liable for any claims arising out of such authorised or unauthorised use.

The Company shall have the right, but not the obligation, to monitor access to or use of the Platform to ensure the User's compliance with these Terms or applicable laws, at its sole discretion.

9. AGREEMENT TO RECEIVE COMMUNICATION

The Company may send email communications to the User in relation to the User's use of the Platform and in response to queries raised at contact@paisaguru.net. The Company does not currently send unsolicited promotional or marketing communications. Should such communications be introduced in the future, the User will be provided with an opt-out mechanism at that time.

10. LINKS TO THIRD PARTY WEBSITES

The Platform may contain links and interactive functionality interacting with the websites of third parties including banks, financial institutions, and content platforms. The Company is not responsible for and has no liability for the functionality, actions, inactions, privacy settings, privacy policies, terms, or content of any such website. Before enabling any sharing functions to communicate with any such website or otherwise visiting any such website, the Company strongly recommends that the User reviews and understands the terms and conditions, privacy policies, settings, and information-sharing functions of each such third-party website.

11. REPRESENTATIONS

The User hereby represents and warrants that the User has validly entered into these Terms and has the legal power to do so. The User further represents and warrants that the User shall be solely responsible for due compliance with these Terms.

12. LIMITATION OF LIABILITY

The User hereby acknowledges that the Company shall not be held liable to the User for any loss of profit, production, anticipated savings, goodwill or business opportunities or any type of indirect, incidental, economic, compensatory, punitive, exemplary or consequential losses.

The Company shall also not be liable under any circumstance for damages arising out of or related in any way to: (a) any errors, mistakes, or inaccuracies of content provided on the Platform; (b) any unauthorised access to or use of the Company's servers and/or any personal or other user information stored therein; (c) any interruption or cessation of transmission to or from the Services on the Platform or the failure of the Services to remain operational for any period of time, including without limitation due to a Force Majeure Event; (d) any bugs, viruses, trojan horses, or the like which may be transmitted to or through the Platform by any third party, or bugs or other problems in the software, firmware or hardware of the User and/or any third party service providers; (e) any loss of User Information arising from any use of or inability to use any parts of the Platform; (f) the acts or omissions of the User and/or its representatives; (g) non-availability of the Services in certain geographical areas; and/or (h) any errors or omissions in any content or for any loss or damage of any kind incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available via the Platform.

The Company shall not be liable under any circumstance for damages arising out of or in any way related to Services and/or information offered or provided by third parties through the Platform.

13. DISCLAIMER OF WARRANTIES

THE USER ACKNOWLEDGES AND AGREES THAT ANY RELIANCE ON THE CONTENT IS AT THE USER'S SOLE DISCRETION AND RISK, AND THAT THE USER IS SOLELY RESPONSIBLE FOR SEEKING INDEPENDENT PROFESSIONAL ADVICE FROM QUALIFIED FINANCIAL, LEGAL, OR OTHER PROFESSIONALS BEFORE MAKING ANY DECISIONS BASED ON THE CONTENT. THE PLATFORM AND ALL INFORMATION, CONTENT, MATERIALS AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO THE USER THROUGH THE PLATFORM (COLLECTIVELY, THE "CONTENT") ARE PROVIDED BY THE COMPANY ON AN "AS IS," "AS AVAILABLE" BASIS, WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND. THE CONTENT IS SOLELY PROVIDED FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES AND DOES NOT CONSTITUTE FINANCIAL, LEGAL, INVESTMENT OR PROFESSIONAL ADVICE, NOR DOES IT CREATE ANY FIDUCIARY, ADVISORY, OR CLIENT RELATIONSHIP BETWEEN THE USER AND THE COMPANY. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE PLATFORM, THE ACCURACY OR COMPLETENESS OF THE CONTENT AND THE ACCURACY OF THE INFORMATION. THE USER EXPRESSLY AGREES THAT THE USE OF THE PLATFORM IS AT THE USER'S SOLE RISK.

14. INDEMNIFICATION

The User shall indemnify and hold harmless the Company, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any and all claims or demands, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of the User's breach of these Terms, Privacy Policy and other policies, or the User's violation of any law, rules or regulations or the rights (including infringement of any intellectual property rights) of a third party.

15. CONTENT AND INTELLECTUAL PROPERTY RIGHTS

Except for the User Information, all of the content and Services provided on the Platform, including text, software, scripts, code, designs, graphics, photos and other content and the copyrights, trademarks, service marks, logos, trade names, and other intellectual and proprietary rights associated therewith ("IP") is owned by the Company or others that the Company licenses such content from, and is protected by copyright, trademark, patent and other intellectual property laws.

The User acknowledges that the IP constitutes original works developed through the expenditure of substantial time, effort, and money and constitutes valuable intellectual property of the Company. The User may download material from the Platform only for the User's personal use and for no commercial purposes whatsoever.

The User shall not, directly or indirectly: (a) decompile, disassemble, reverse engineer, or attempt to derive the source code of the Platform; (b) make any modification, adaptation or derivative work from the Platform; (c) violate any applicable laws in connection with use of the Platform; (d) remove or obscure any proprietary notice forming a part of the Platform; (e) access and/or use the Platform for any commercial or revenue generation purposes; (f) use the Platform for data mining, scraping, crawling, redirecting, or for any purpose not in accordance with these Terms; (g) create a service or software competitive with the Platform or any services offered by the Company; or (h) derive any confidential information, processes, data or algorithms from the Platform.

Any infringement shall lead to appropriate legal proceedings against the User for seeking all available remedies under applicable laws of India.

16. TERMINATION OF ACCESS TO SERVICES

The User's access to the Platform can be terminated at any time by: (a) the User, by submitting a deletion request at paisaguru.net/delete-account or writing to contact@paisaguru.net; or (b) the Company, in its sole discretion, for any reason including the User's violation of these Terms or prolonged inactivity.

The User acknowledges that termination of access may come into effect without any prior notice, and the Company shall thereafter immediately deactivate or delete the User's profile and all related information and/or bar any further access to the Services, subject to applicable law. The User agrees that the Company shall not be liable for any discontinuation or termination of services by any third party.

The disclaimer of warranties, the limitation of liability, and the governing law provisions shall survive any termination of these Terms.

17. RIGHTS AND RESERVATIONS

The Company reserves the right to: (a) make all decisions in relation to the User's registration with the Company; (b) request additional documents and information from the User for the purpose of registration or activities undertaken on the Platform; and (c) deny access to the Platform or any portion thereof without notice for any unauthorised access or use by the User, attempt(s) to assign or transfer any rights granted to the User under these Terms, or violation of any of the provisions of these Terms or any applicable laws.

18. PRIVACY POLICY

The personal information / data provided by the User to the Company during the course of usage of the Platform will be treated as strictly confidential and in accordance with the Privacy Policy and applicable laws and regulations. If the User objects to any of their information being transferred or used, the User is advised not to use the Platform.

19. SEVERABILITY AND WAIVER

These Terms, the Privacy Policy, and other referenced material herein or on the Platform, are the entire agreement between the User and the Company with respect to the Services offered on the Platform, and supersede all prior or contemporaneous communications and proposals (whether oral, written or electronic) between the User and the Company with respect thereto. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.

20. ASSIGNMENT

It is expressly agreed by the parties that the Company may assign all or part of its rights or duties under these Terms without such assignment being considered a change to these Terms and without notice to the User, except to the extent provided by law.

21. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms shall be governed by and interpreted and construed in accordance with the laws of India. The place of jurisdiction shall be India. In the event of any dispute arising out of these Terms, the same shall be settled by binding arbitration conducted by a sole arbitrator, appointed jointly by both parties and governed by the Arbitration and Conciliation Act, 1996. The venue and seat of arbitration shall be in India.

22. GRIEVANCE REDRESSAL MECHANISM

For registering concerns, complaints or grievances in relation to any violation of these Terms or applicable laws, please write to the designated officer of the Company at the below-mentioned email address. The designated officer shall redress the concerns in accordance with applicable laws.

Name: Vijay Sachidanand

Email: contact@paisaguru.net

23. HOW TO CONTACT US

If the User has questions or concerns about these Terms, please contact the Company at:

Email: contact@paisaguru.net

Website: https://paisaguru.net

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