Terms of Use

Last updated: 3 September 2026

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY USING THIS PLATFORM, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

These Terms & Conditions (the "Agreement") govern your use of the platform, taru.money (the "Platform"), and the services offered by NextGenOS Financial Services Private Limited (the "Company") through the Platform. The processing of your personal data shall be governed by the Company's [Privacy Policy] and applicable data protection laws.

This Agreement includes, and incorporates by this reference, the policies and guidelines referenced below. The Company reserves the right to change or revise the terms and conditions of this Agreement at any time by posting any changes or a revised Agreement on this Platform. The Company will alert you that changes or revisions have been made by indicating on the top of this Agreement the date it was last revised. The changed or revised Agreement will be effective immediately after it is posted on this Platform. Your use of the Platform following the posting of any such changes or of a revised Agreement will constitute your acceptance of any such changes or revisions. The Company encourages you to review this Agreement whenever you visit the Platform to make sure that you understand the terms and conditions governing use of the Platform. This Agreement does not alter in any way the terms or conditions of any other written agreement you may have with the Company for other services. If you do not agree to this Agreement (including any referenced policies or guidelines), please immediately terminate your use of the Platform.

1. Services

  • Terms of Offer: This Platform offers certain services (the "Services"). By placing a request for a service through this Platform, you agree to the terms set forth in this Agreement.
  • Consent to Process Personal Data: Where processing of personal data is based on consent, the Company shall obtain such consent in accordance with the Digital Personal Data Protection Act, 2023 and the rules made thereunder. The collection and processing of personal data shall be governed by the Company's Privacy Policy, which forms part of these Terms. Withdrawal of consent may be exercised in accordance with applicable law and the procedure specified in the Privacy Policy.
  • Purpose Limitation and Data Minimization: The Company shall collect and process personal data only to the extent reasonably necessary for the specific purposes communicated to the Data Principal and in accordance with the Privacy Policy and applicable law. Personal data shall not be processed for purposes unrelated to the purpose for which it was collected, except where such processing is otherwise permitted under applicable law.
  • Customer Communications: The Company may communicate with you regarding your account, Services, transactions, requests, security matters and other service-related matters. Promotional or marketing communications shall be sent in accordance with applicable law and your communication preferences. You may opt out of receiving promotional communications in accordance with the procedure provided in the Privacy Policy.
  • Opt-Out Procedure: You may opt out of promotional communications by using the unsubscribe mechanism provided in the relevant communication or by contacting the Company through the contact details specified in the Privacy Policy. Opting out of promotional communications will not affect transactional, service-related, security or legally required communications.
  • Proprietary Rights: The Company has proprietary rights and trade secrets in the Services they provide. You may not copy, reproduce, resell or redistribute any Product or Service distributed by the Company. The Company also has rights to all trademarks and trade dress and specific layouts of this webpage, including calls to action, text placement, images and other information.
  • Tax: If you purchase any Service, you will be responsible for paying any applicable tax on the said service.

2. Platform

  • Content, Intellectual Property and Third-Party Links: In addition to making Services available, the Platform may provide information, educational content, financial literacy tools, portfolio-related information and other materials relating to the Services. The Platform may also contain links to third-party websites, platforms or services, including those of financial institutions, regulated entities, product manufacturers, intermediaries and other service providers. The Company does not necessarily create or control all information available through such third-party platforms. Any links to third-party platforms are provided for convenience only. The Company does not endorse or assume responsibility for the content, privacy practices, availability or services of such third-party platforms. Your access to and use of third-party platforms shall be subject to their respective terms and policies.
  • Use of Platform: The Company is not responsible for any damages resulting from use of this platform by anyone. You will not use the Platform for illegal purposes. You will (1) abide by all applicable local, state, national, and international laws and regulations in your use of the Platform (including laws regarding intellectual property), (2) not interfere with or disrupt the use and enjoyment of the Platform by other users, (3) not engage, directly or indirectly, in transmission of "spam", chain letters, junk mail or any other type of unsolicited communication, and (4) not defame, harass, abuse, or disrupt other users of the Platform.
  • License: By using this Platform, you are granted a limited, non-exclusive, non-transferable right to use the content and materials on the Platform in connection with your normal, noncommercial use of the Platform. You may not copy, reproduce, transmit, distribute, or create derivative works of such content or information without express written authorization from the Company or the applicable third party (if third party content is at issue).
  • Posting: By posting, storing or transmitting any content on the Platform, you grant the Company a non-exclusive, royalty-free licence to host, store, reproduce, display, transmit and otherwise use such content solely to the extent reasonably necessary to operate, maintain, secure and provide the Platform and Services, subject to applicable law and the Company's Privacy Policy. User-generated content may include personal data, which shall be processed by the Company only in accordance with the Privacy Policy and applicable law.

3. Disclaimer of Warranties

YOUR USE OF THIS PLATFORM AND/OR SERVICES IS AT YOUR SOLE RISK. THE PLATFORM AND SERVICES ARE OFFERED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT WITH RESPECT TO THE SERVICES OR PLATFORM CONTENT, OR ANY RELIANCE UPON OR USE OF THE PLATFORM CONTENT OR SERVICES. ("SERVICES" INCLUDE TRIAL SERVICES.)

WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, THE COMPANY MAKES NO WARRANTY:

  • THAT THE INFORMATION PROVIDED ON THIS PLATFORM IS ACCURATE, RELIABLE, COMPLETE, OR TIMELY.
  • THAT THE LINKS TO THIRD-PARTY PLATFORMS ARE TO INFORMATION THAT IS ACCURATE, RELIABLE, COMPLETE, OR TIMELY.
  • NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THIS PLATFORM WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN.
  • AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES OR THAT DEFICIENCY IN SERVICES WILL BE CORRECTED.
  • REGARDING ANY SERVICES PURCHASED OR OBTAINED THROUGH THE PLATFORM.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

4. Limitation of Liability

THE COMPANY'S ENTIRE LIABILITY, AND YOUR EXCLUSIVE REMEDY, IN LAW, IN EQUITY, OR OTHERWISE, WITH RESPECT TO THE PLATFORM CONTENT AND SERVICES AND/OR FOR ANY BREACH OF THIS AGREEMENT IS SOLELY LIMITED TO THE AMOUNT YOU PAID FOR THE SERVICE VIA THE PLATFORM.

THE COMPANY WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES IN CONNECTION WITH THIS AGREEMENT OR THE SERVICES IN ANY MANNER, INCLUDING LIABILITIES RESULTING FROM (1) THE USE OR THE INABILITY TO USE THE PLATFORM CONTENT OR SERVICES; (2) THE COST OF PROCURING ALTERNATIVE SERVICE OR CONTENT; (3) ANY SERVICES RECEIVED OR OBTAINED OR TRANSACTIONS ENTERED INTO THROUGH THE PLATFORM; OR (4) ANY LOST PROFITS YOU ALLEGE.

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

5. Indemnification

You will release, indemnify, defend and hold harmless the Company, and any of its contractors, agents, employees, officers, directors, shareholders, affiliates and assigns from all liabilities, claims, damages, costs and expenses, including reasonable attorneys' fees and expenses, of third parties relating to or arising out of (1) this Agreement or the breach of your warranties, representations and obligations under this Agreement; (2) the Platform content or your use of the Platform content; (3) the Services; (4) any intellectual property or other proprietary right of any person or entity; (5) your violation of any provision of this Agreement; or (6) any information or data you supplied to the Company. When the Company is threatened with suit or sued by a third party, the Company may seek written assurances from you concerning your promise to indemnify the Company; your failure to provide such assurances may be considered by the Company to be a material breach of this Agreement. The Company will have the right to participate in any defense by you of a third-party claim related to your use of any of the Platform content or Services, with counsel of the Company's choice at its expense. The Company will reasonably cooperate in any defense by you of a third-party claim at your request and expense. You will have sole responsibility to defend the Company against any claim, but you must receive the Company's prior written consent regarding any related settlement. The terms of this provision will survive any termination or cancellation of this Agreement or your use of the Platform or Services.

6. Privacy

The Company collects, processes, stores and protects personal data in accordance with the Digital Personal Data Protection Act, 2023, the rules made thereunder and other applicable laws. The processing of personal data is governed by the Company's [Privacy Policy], which forms part of these Terms and sets out the categories of personal data collected, purposes of processing, applicable rights and the manner in which such rights may be exercised.

6.1 Rights of Data Principal. Subject to applicable law, you, as a Data Principal, may exercise the following rights in relation to your personal data:

  • access information regarding personal data processed by the Company;
  • request correction or updating of inaccurate or incomplete personal data;
  • request erasure of personal data where permitted under applicable law;
  • withdraw consent where processing is based on consent;
  • avail grievance redressal in relation to the processing of personal data; and
  • nominate another individual to exercise such rights in accordance with applicable law in the event of death or incapacity.

Requests may be made through the contact details specified in the Privacy Policy.

6.2 International Data Transfers. Personal data may be processed or stored outside India by the Company's service providers or other permitted third parties, subject to applicable law and any restrictions prescribed under applicable law.

6.3 Grievance Officer. The name and contact details of the Grievance Officer are provided in the Privacy Policy and may be updated from time to time in accordance with applicable law.

6.4 Children's Privacy. Where the Platform or any Service is intended to be accessed by children, the Company shall process children's personal data only in accordance with applicable law, including obtaining verifiable consent from the parent or lawful guardian where required and complying with applicable restrictions on the processing of children's personal data, including restrictions relating to tracking, behavioural monitoring and targeted advertising, where applicable.

7. Fees, Cancellation and Refunds

  • Fees, charges, cancellation and refund terms applicable to any particular Service shall be as communicated to you at the time of availing such Service or as otherwise specified in the applicable service-specific terms.
  • Where a Service is provided by or through a third-party financial institution, regulated entity, product manufacturer, intermediary or other service provider, the applicable fees, cancellation and refund terms of such third party may also apply.
  • Nothing in this Clause shall affect any rights or remedies available to you under applicable law.

8. Agreement to Be Bound

By using the Platform or receiving Services, you acknowledge that you have read and agree to be bound by this Agreement and the applicable terms and conditions governing the Platform and Services. Any consent required for the processing of personal data shall be obtained separately in accordance with applicable law and the Privacy Policy.

9. General

  • Force Majeure: The Company will not be deemed in default hereunder or held responsible for any cessation, interruption or delay in the performance of its obligations hereunder due to earthquake, flood, fire, storm, natural disaster, act of God, war, terrorism, armed conflict, labor strike, lockout, or boycott.
  • Cessation of Operation: The Company may at any time, in its sole discretion and without advance notice to you, cease operation of the Platform and provision of Services.
  • Entire Agreement: This Agreement comprises the entire agreement between you and the Company with respect to the use of the platform and supersedes any prior agreements pertaining to the subject matter contained herein.
  • Effect of Waiver: The failure of the Company to exercise or enforce any right or provision of this Agreement will not constitute a waiver of such right or provision. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of this Agreement remain in full force and effect.
  • Governing Law and Jurisdiction: This Agreement shall be governed by and construed in accordance with the laws of India. Subject to applicable law, the courts at Mumbai, Maharashtra shall have jurisdiction over matters arising out of or in connection with this Agreement.
  • Waiver of Class Action Rights: BY ENTERING INTO THIS AGREEMENT, YOU HEREBY IRREVOCABLY WAIVE ANY RIGHT YOU MAY HAVE TO JOIN CLAIMS WITH THOSE OF OTHERS IN THE FORM OF A CLASS ACTION OR SIMILAR PROCEDURAL DEVICE. ANY CLAIMS ARISING OUT OF, RELATING TO, OR IN CONNECTION WITH THIS AGREEMENT MUST BE ASSERTED INDIVIDUALLY.
  • Termination: The Company reserves the right to terminate your access to the Platform if it reasonably believes, in its sole discretion, that you have breached any of the terms and conditions of this Agreement. Following termination, you will not be permitted to use the Platform and the Company may, in its sole discretion and without advance notice to you, cancel any outstanding orders for Services. If your access to the Platform is terminated, the Company reserves the right to exercise whatever means it deems necessary to prevent unauthorized access to the Platform. This Agreement will survive indefinitely unless and until the Company chooses, in its sole discretion and without advance notice to you, to terminate it.
  • Domestic Use: The Company makes no representation that the Platform or Services are appropriate or available for use in locations outside India. Users who access the Platform from outside India do so at their own risk and initiative and must bear all responsibility for compliance with any applicable local laws.
  • Assignment: You may not assign your rights and obligations under this Agreement to anyone. The Company may assign its rights and obligations under this Agreement in its sole discretion and without advance notice to you.

BY USING THIS PLATFORM OR PURCHASING ANY SERVICE FROM THIS PLATFORM YOU AGREE TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT.