Last updated: 3 September 2026
This Agreement creates binding legal obligations on you. If you do not agree to any of the terms of this Agreement, please do not access the Platforms, use any of the services offered through the Platforms or register an account for such services.
1.1 These Terms and Conditions constitute the agreement ("Agreement") between you ("User", "you" or "your") and NextGenOS Financial Services Private Limited ("Company", "we", "us" or "our") governing your access to and use of the Company's website, mobile application and other digital platforms, products and services made available by or through the Company (collectively, the "Platform"). The Platform is intended to facilitate access to financial information, financial education, financial literacy tools, financial planning and goal-based planning tools, portfolio tracking and related technology-enabled services and may facilitate access to or distribution of financial products and services offered by the Company and/or third-party regulated entities and service providers, subject to applicable laws, regulatory requirements and applicable registrations, licences and approvals.
1.2 Your use of the Platform and Services is subject to these Terms of Use and the Company's Privacy Policy, as amended from time to time. The Privacy Policy forms an integral part of these Terms of Use and explains how the Company collects, processes, uses, stores and otherwise handles personal data in accordance with applicable data protection laws.
1.3 We reserve the right to modify or update these Terms of Use from time to time to reflect changes in our Services, applicable laws, regulatory requirements or other operational requirements. Where any modification materially affects your rights or obligations, we will provide reasonable notice through the Platform or other appropriate electronic means. Your continued use of the Platform after the effective date of the revised Terms of Use shall constitute your acceptance of the revised Terms.
1.4 This Agreement contains important information regarding your rights with respect to the Platform and the Service, including your relationship with us. Please read this Agreement carefully, and review this Agreement regularly.
2.1 You warrant and represent that:
3.1 You shall register with the Platform through mobile phone verification or other procedure to become a registered user on the Platform. You acknowledge and agree that the information you provide during the user registration process is accurate and complete, and you shall promptly notify us of any changes to the information.
3.2 The user account ("Account") you create following the registration process shall be personal to you. You may not transfer your Account to anyone else, nor permit or assist others to use the Service through your Account, except for those individuals or businesses that have been expressly authorized by us to create accounts on behalf of their employers or customers.
3.3 After successfully completing the User registration process, you may start using the Service through the Platform in accordance with this Agreement.
3.4 We may suspend, restrict or terminate your access to your Account, the Platform or any Service where reasonably necessary, including where you breach these Terms of Use, provide false or misleading information, engage in unlawful or fraudulent activity, pose a security or other material risk to the Platform or other users, or where such action is required by applicable law or a competent regulatory or governmental authority. Where reasonably practicable, we will provide notice of such action and the reason for the same, subject to applicable law and legitimate security or regulatory requirements.
4.1 You are responsible for the security of your Account including login information and password(s). Please ensure that you log out at the end of each session when using the Website and leave the Platform following the correct steps. You shall be responsible for losses arising from your intentional or negligent disclosure of your Account information, except to the extent such loss results from circumstances not attributable to your acts or omissions.
4.2 You are responsible for activities undertaken through your Account, except to the extent that such activity results from unauthorised access or a security incident not attributable to your acts or omissions. You shall promptly notify us if you become aware of any unauthorised access, transaction or activity relating to your Account.
4.3 You must notify us via the Platform immediately you become aware of any unauthorized use of your Account, or other situation that may cause theft or loss of your Account. Upon receiving such notice, we may temporarily restrict or suspend access to your Account where reasonably necessary to protect your Account or the Platform.
4.4 Your Account may only be used by you and may not be shared with any other person. You agree:
4.5 You shall exercise reasonable care in relation to your Account and authentication credentials. You shall not be responsible for transactions or activities that you have not authorised and which are not attributable to your acts or omissions, subject to applicable law and the procedures prescribed by the Company or the relevant financial institution, regulated entity, payment service provider or other applicable service provider.
4.6 If you receive or otherwise have access to personal data or confidential information relating to another user or any other person through your use of the Platform, you shall use such information only for the purpose for which it was made available and shall not unlawfully access, use, disclose, copy, retain or otherwise process such information. You shall comply with applicable data protection and privacy laws in relation to such information.
The Company may process personal data in accordance with applicable data protection and privacy laws, including the Digital Personal Data Protection Act, 2023 and the rules made thereunder, to the extent applicable. The Company shall process personal data for specified and lawful purposes, including providing and administering the Services, facilitating access to or transactions involving financial products and services, maintaining security, preventing fraud, complying with legal and regulatory obligations and other purposes disclosed in the applicable privacy notice or otherwise permitted under applicable law. Where processing is based on consent, such consent shall be obtained in accordance with applicable law and may be withdrawn in the manner provided in the Privacy Policy, subject to applicable legal and regulatory requirements and the consequences of such withdrawal.
The Company shall provide an effective mechanism for Users to raise grievances or concerns relating to the processing of their personal data and use of the Platform. The business contact details of the Company's Data Protection Officer, where applicable, or the person designated by the Company to address questions relating to the processing of personal data, together with the applicable grievance mechanism, shall be made available through the Platform and/or Privacy Policy and updated from time to time in accordance with applicable law.
Subject to applicable law and any limitations or conditions prescribed thereunder, Users may have the following rights in relation to their personal data:
Personal data may be processed for purposes including account creation and administration, provision and facilitation of Services, facilitating access to financial products and services, processing and supporting transactions, customer support, communications, fraud prevention, security, compliance with legal and regulatory obligations, and other purposes disclosed in the applicable privacy notice or otherwise permitted under applicable law.
The Company shall retain personal data only for so long as necessary to fulfil the purpose for which it was collected or processed, or for such period as may be required or permitted under applicable law, regulatory requirements, contractual obligations, dispute resolution, fraud prevention, security or other legally permissible purposes. Thereafter, personal data shall be deleted or anonymised in accordance with applicable law and the Company's retention policies.
The Company may engage or work with service providers, financial institutions, regulated entities, insurers, asset management companies, brokers, distributors, technology providers, payment service providers and other third parties for providing, facilitating and administering the Services. Personal data may be disclosed or made available to such parties where necessary for the provision or facilitation of Services, pursuant to consent where required, for compliance with applicable law or regulatory requirements, or for other purposes permitted under applicable law. The Company shall take reasonable measures to ensure that such processing is subject to appropriate contractual, organisational and security safeguards.
The Platform may use cookies and similar technologies for purposes including authentication, security, functionality, analytics and improvement of the Platform. Where required under applicable law, appropriate notice and consent mechanisms shall be provided. Further details regarding the use of cookies and similar technologies shall be set out in the Privacy Policy.
Where the Company processes personal data relating to a child, the Company shall comply with the applicable requirements of the Digital Personal Data Protection Act, 2023 and rules made thereunder relating to children's personal data, including obtaining verifiable consent from the parent or lawful guardian where required. The Company shall not knowingly undertake processing of children's personal data in a manner prohibited by applicable law, including tracking, behavioural monitoring or targeted advertising where prohibited by applicable law.
6.1 Certain Services made available through the Platform may be subject to fees, charges or other applicable costs. The applicable fees, taxes and charges shall be disclosed to the User before the relevant transaction or use of the applicable paid Service.
6.2 Payments shall be made through the payment methods and payment service providers made available or authorised by the Company.
6.3 Where a financial product or service is provided by a third-party financial institution, regulated entity or service provider, the applicable payment, transaction, refund, cancellation and settlement terms may be governed by the terms of such third party and applicable law.
6.4 The Company may modify applicable fees or introduce charges for Services, provided that such charges are communicated to the User before they become applicable to the relevant transaction or Service.
6.5 The Company shall not be responsible for payment failures, delays or reversals attributable to a bank, payment gateway, payment service provider or other third party, except to the extent caused by the Company's failure to comply with its obligations under applicable law.
7.1 If you have any complaint, query or grievance concerning the Platform or Services, you may contact the Company through the customer support or grievance mechanism made available on the Platform.
7.2 Complaints relating specifically to the processing of personal data may be raised through the grievance mechanism specified in the Privacy Policy.
7.3 Where a complaint relates to a financial product or service provided by a third-party regulated entity, the User may also be required to follow the grievance redressal mechanism prescribed by the relevant product provider or regulated entity and applicable regulatory framework.
8.1 We may suspend, restrict or terminate your Account or access to the Platform or any Service where you breach these Terms of Use, engage in fraudulent, unlawful or prohibited activity, provide false or misleading information, compromise the security of the Platform or other Users, or where such action is required by applicable law, regulatory requirement or direction of a competent authority.
8.2 Where reasonably practicable and subject to applicable law and security requirements, we shall notify you of any suspension, restriction or termination of your Account or access to the Platform or Services. If you have any question regarding such action, you may contact us through the customer support or grievance mechanism made available on the Platform.
9.1 Nothing in these Terms of Use shall exclude or limit any liability to the extent such exclusion or limitation is prohibited by applicable law, including liability arising from fraud, fraudulent misrepresentation, or any other liability which cannot lawfully be excluded or limited.
9.2 To the maximum extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, special, consequential or punitive damages, or for loss of profits, revenue, business, goodwill or anticipated savings, arising out of or in connection with the use of, or inability to use, the Platform or Services.
9.3 Subject to Clause 9.1 and to the maximum extent permitted by applicable law, the aggregate liability of the Company arising out of or in connection with these Terms of Use or the relevant Service shall be limited to the amount actually paid by the User to the Company for the specific Service giving rise to the claim during the twelve (12) months immediately preceding the event giving rise to such claim; provided that where no amount has been paid by the User for such Service, the aggregate liability shall be limited to such amount as may be determined in accordance with applicable law.
9.4 Each provision of these terms that provides for a limitation of liability, disclaimer of warranties, or exclusion of damages is to allocate the risks under these terms between the parties. This allocation is an essential element of the basis of the bargain between the parties. Each of these provisions is severable and independent of all other provisions of these terms. The limitations in this Clause 9 will apply even if any limited remedy fails of its essential purpose.
9.5 Subject to applicable law, the Platform and Services are provided on an "as is" and "as available" basis. The Company does not warrant that the Platform or Services will always be uninterrupted, error-free, secure or available at all times. The Company shall not be responsible for interruptions or failures caused by events beyond its reasonable control, third-party service providers, telecommunications or internet failures, banking or payment system failures, maintenance or other circumstances beyond the Company's reasonable control.
10.1 You agreeing to this Agreement and becoming a User only entitles you to the Service in accordance with the terms and conditions set out in this Agreement. There is no other authorization, cooperation, partnership or agency between you and us.
10.2 You acknowledge that all intellectual property rights in and to the Platform (including copyright, trademarks, trade names, logos, source and object codes) and relevant proprietary confidential information in the Platform are, and shall remain, the exclusive property of us, or our licensors, and nothing in this Agreement shall operate to transfer any intellectual property rights in and to the Platform or any other intellectual property rights owned by us or our licensors, to you. You acknowledge and agree that, without the express written authorization of the owner of such intellectual property rights, you may not use, modify, rent, let, sell, transmit or otherwise violate the above intellectual property rights (such as reverse engineering, decompiling).
10.3 The name and logos of NextGenOS Financial Services Private Limited are trademarks and trade names of the Company and may not be copied, reproduced, imitated or used, in whole or in part, without our prior written approval. In addition, you acknowledge and agree that all pages, text, graphics, images, button icons, scripts and other content comprising the Platform are owned by or licensed to the Company, and you shall not, or cause any third party to, copy, reproduce, imitate, modify or use any such content, in whole or in part, without our prior written approval.
10.4 We grant you a limited, royalty-free, non-exclusive, personal, revocable and non-transferable licence to download and use the NextGenOS Financial Services Private Limited App for your own personal, non-commercial purposes, subject to your compliance with these Terms of Use. You may use the App and the Services only as expressly permitted under these Terms of Use.
10.5 You retain ownership of any intellectual property rights that you may lawfully hold in User Content that you submit or upload to the Platform. You represent and warrant that you have the necessary rights and permissions to submit such User Content and that its submission does not violate applicable law or any third-party rights. You grant the Company a limited, non-exclusive, royalty-free licence to host, store, reproduce, process and use such User Content only to the extent reasonably necessary to provide, operate, secure, maintain and improve the relevant Services, comply with applicable law, and perform the purposes disclosed to you in the applicable Privacy Policy. Any processing of personal data contained in User Content shall be subject to applicable data protection laws and the Privacy Policy.
11.1 You agree to indemnify and hold harmless the Company, its directors, officers and employees from third-party claims, losses, damages, liabilities and reasonable costs arising directly from your material breach of these Terms of Use, fraud, wilful misconduct, or unlawful use of the Platform.
11.2 You shall not be liable to indemnify the Company to the extent that any claim, loss or liability results from the Company's own negligence, wilful misconduct, breach of applicable law or breach of these Terms of Use.
11.3 If any claim covered by this Clause is made against the Company, the Company may notify you and take reasonable steps to mitigate the relevant loss. Any settlement imposing liability or an admission of wrongdoing on you shall not be entered into without your prior consent, except where required by law.
You may terminate this Agreement in any of the following ways:
We may terminate this Agreement in any of the following ways:
Upon the termination of this Agreement, we shall still have the rights to make claims against you in accordance with this Agreement for any prior breaches by you or any outstanding financial obligations you may have. The termination of these Terms of Use shall not affect any rights or obligations which by their nature are intended to survive termination, including provisions relating to intellectual property, confidentiality, data protection, liability, indemnification, dispute resolution and obligations accrued prior to termination.
You shall ensure that your conduct is in compliance with the following requirements when you access or use the Service:
You covenant that you will not use the Platform to conduct any illegal activity or any of the following acts:
13.3 The Company does not routinely control or endorse content submitted by Users or conduct undertaken by Users through the Platform. However, the Company may remove, restrict or disable access to content or accounts where reasonably necessary to comply with applicable law, protect the security or integrity of the Platform, protect Users or third parties, or enforce these Terms of Use. Users remain responsible for their own unlawful acts, content and conduct.
14.1 If you have an Account with us, you agree that we may provide you with notices relating to the Platform, Services and these Terms of Use through your Account or other electronic means, including email, SMS, push notifications or other electronic communications, in accordance with applicable law and our Privacy Policy.
15.1 These Terms of Use shall be governed by and construed in accordance with the laws of India.
15.2 Any dispute arising out of or in connection with these Terms of Use which is capable of being resolved through arbitration and is not subject to any mandatory statutory, regulatory or consumer dispute resolution mechanism shall, subject to applicable law, be referred to arbitration in accordance with the Arbitration and Conciliation Act, 1996. The seat and venue of arbitration shall be Mumbai, Maharashtra, India, and the arbitration shall be conducted by a sole arbitrator appointed in accordance with applicable law.
15.3 Subject to the foregoing, the courts at Mumbai, Maharashtra shall have exclusive jurisdiction over matters arising out of or in connection with these Terms of Use, including applications for interim or ancillary relief and matters not capable of being referred to arbitration.
16.1 The Company shall not be liable for any delay, interruption or failure in performing its obligations under these Terms of Use to the extent caused by events beyond its reasonable control, including natural disasters, fire, flood, epidemic or pandemic, war, civil disturbance, strikes, governmental or regulatory actions, changes in law, judicial or administrative orders, failure of telecommunications or internet infrastructure, banking or payment system failures, cyber incidents not attributable to the Company's failure to implement reasonable security measures, or failure of third-party service providers.
17.1 This Agreement, including the Privacy Policy and any additional terms applicable to specific Services, constitutes the entire agreement between the parties with respect to its subject matter and supersedes all previous agreements, proposals, representations and understandings relating to such subject matter.
17.2 We may assign, transfer, delegate, or otherwise sub-contract our rights under the terms of this Agreement in our sole discretion.
17.3 If we fail to enforce a provision of the terms of this Agreement, you agree that such a failure does not constitute a waiver to enforce the provision (or any other provision hereunder).
17.4 If any provision of the terms of this Agreement is held or made invalid, the invalidity does not affect the remainder of the terms of this Agreement. We reserve all rights not expressly granted in the terms of this Agreement and disclaim all implied licenses.
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