Terms And Conditions

TERMS AND CONDITIONS:

These terms and conditions constitute an electronic record within the meaning of the Information Technology Act, 2000, and the applicable Rules thereunder, as well as any amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and, as such, does not require any physical or digital signatures.

Upon accessing, enrolling in, or utilizing our Platform, encompassing its products and services or availing the Services, you expressly agree to be bound by these Terms and Conditions. When utilizing our Platform on behalf of an organization, you are bound by the Terms as a representative of that organization. The goals of these Terms and Conditions are to elucidate the terms governing your access to our Platform and Services, outline our expectations from you, and clarify the support and services you can anticipate from us as you engage with our Platform and utilize the Services provided. Upon visiting our website and accessing the information, resources, services, products, and tools we offer, you acknowledge and agree to abide by the terms and conditions outlined in this policy (hereinafter referred to as the 'User Agreement'), along with the terms and conditions as stated in our Privacy Policy (please refer to the Privacy Policy section at www.rupyafin.com/Legal/PrivacyPolicy for further details).

This online platform including, the website www.rupyafin.com, it’s sub-domains and it’s RUPYAFIN web/ mobile application (hereinafter collectively referred to as the “Platform”), by the User (hereinafter “you” or “your”) is operated by HHMA Innovations Bharat Private Limited, a company incorporated under the Companies Act, 2013, having its registered office at Ekdant Appartment, Near Mount Carmel School, Mul Road, Chandrapur – 442401, Maharashtra. User for our platform means “Client(s) or Customer(s) or Consumer(s)” any person (either individual, association, firm or entity) who get themselves registered with our platform; with intent to view, review, utilize, consume, access, avail, etc. our products and services listed on our platform. The terms shall apply to Users in relation to the Services availed from our Platform.

The provisions of this Privacy Commitment shall govern the personal information and sensitive personal data or information, including information that is of a confidential nature including but not limited to financial data, etc. (collectively referred to as “Customer Information”) belonging to the customers, potential customers, and other users of the Services (“Customer(s)” or “you”) of www.rupyafin.com (HHMA Innovations Bharat Pvt Ltd.), and it’s authorized service providers, auditors, legal, tax consultants Affiliates, Partners, Channel Partners, Strategic Partners, third party service providers, Business Associate or Agent including their respective sub-associates, employees and accountants (hereinafter be called as “Professional”) and it’s group companies [collectively, “Company” or “RUPYAFIN” or “our” or “we” or “us” (“RupyaFin”; “Rupyafin” or else in font, style or manner)]. A Professional may also be another user on our Platform, apart from Client (hosted on) or (user of) www.rupyafin.com and are shown under login of Client under My Professional. You are responsible for your content. You are legally responsible for all information, data, text, software, music, sound, photographs, graphics, video, messages or other materials ("Content"), which is uploaded, posted or stored through your use of the Services.

While utilizing this website, mobile applications, or its custom extensions, or availing products and services vide online or offline platforms, third party platforms, or through communications, by electronic means or otherwise, or any other mode/platform/ communicated/ introduced by RUPYAFIN from time to time (collectively, the “Services”), RUPYAFIN may collect, receive, possess, store, use, share, deal, handle, transfer, retain and otherwise process Customer Information. By accessing or utilizing our Services, you confirm that you have read and agreed to be bound by this Privacy Commitment (Terms) and consent to the collection, receipt, possession, storage, usage, dealing with, transaction of,  handling, processing, transfer and retention of your Customer Information by RUPYAFIN as outlined herein.

RUPYAFIN has a steadfast commitment to protecting the privacy and confidentiality of its Customer's personal information and has taken all necessary and reasonable measures to ensure that Customer Information is handled and transmitted in a secure and confidential manner, in compliance with applicable laws and regulations. This commitment is a core aspect of our business practices and is reflected in our robust privacy and security controls.

The company reserve the right to modify or amend this User Agreement from time to time without notice. You acknowledge and agree that it is your responsibility to review this User Agreement periodically to familiarize yourself with any modifications. Your continued use of this site after such modifications will constitute acknowledgment and agreement of the modified terms and conditions.

1. GOVERNING LAW AND JURISDICTION

These terms and conditions are governed by and construed in accordance with the provisions of Rule 3 (1) (a) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and Rule 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal data or Information) Rules, 2011 framed under the Information Technology Act, 2000 (as amended from time to time). Any disputes or issues arising out of or related to these Terms and Conditions, if not resolved through mutual agreement, shall be resolved through arbitration in accordance with the Arbitration and Conciliation Act, 1996. The arbitration proceedings shall be conducted in the city of Chandrapur, Maharashtra, and the courts in Chandrapur shall have exclusive jurisdiction over any matters related to these Terms and Conditions.

2. ELIGIBILITY TO USE THE PLATFORM

Access to and use of the Platform and/or Services, whether by registration or otherwise, is strictly limited to the following individuals/users:

• Citizens of India or Non-Resident Indians,
• Age of 18 years and above;
• Capacity to enter into a legally binding contract;
• Not a person barred from receiving the platform services under the applicable laws;
• Agree to abide by the Terms mentioned herein;
• Not previously barred, suspended or removed by RUPYAFIN from availing the Services.
• You acknowledge that you are allowing us, to track your investment and other financial and non-financial details through this Application.
• You are obligated to promptly notify the Company of any changes to your mobile number and email address, to ensure that notices regarding updates, corrections, or other important communications can be effectively delivered by the Company.

Furthermore, you warrant and represent that you possess the legal right, authority, and capacity to enter into this agreement and bind yourself to these Terms and Conditions. In the event of any breach or violation of these Terms, the Company reserves the right to suspend or terminate your access to the Services and/or Platform, and/or permanently prohibit you from utilizing the Services and/or Platform, at its sole discretion.

The Platform also allows you to avail the Services (defined hereinafter) directly from the Company, its Professional, and third-party service providers associated with the Company from time to time, and the Platform facilitates communication (between you and) with such Professional and third parties for availing the Services. The services rendered by Professional(s), the Company and other Service Partners and third-party service providers of the Company are collectively referred to as “Services”.

3. CUSTOMER INFORMATION

Customer Information includes, without limitation, all categories of personal data/sensitive personal data that we may collect, receive, possess, store, use, share, deal, handle, transfer, and otherwise process as per the applicable laws. This may include Data about you, without limitation, your name, user IDs that will generally your mobile number (in our platform), email addresses, phone numbers, addresses, KYC/identity documents (for example: Aadhar and PAN), communications with us, information about how you use our Services, etc. Your Financial data including but not limited to, information about your bank accounts, financial information, property details, payment information, transaction data, sales, tax and expenses details.

COLLECTION OF CUSTOMER INFORMATION :

The collection of Customer Information is necessary for us to provide you with our Services, fulfil our contractual obligations, and comply with our contractual obligations and applicable law. If you do not wish to provide such Customer Information as and when requested by us, it will diminish our ability to perform our obligations under the arrangement we have with you or are trying to enter into with you (for example, to provide you with features of the Services). And consequently, we may be constrained to cancel or limit your access to the Services (or part thereof). For Direct interactions, which includes Customer Information you consent to give us when you use our Services or when you interact with us, including, without limitation, when you create an account with us; use the Services or carry out other activities in connection with the Services. For Third parties or publicly available sources, we receive Customer Information from publicly available sources as well as various third parties, such as our service providers, credit bureaus, partners, alliance partners, group companies, agents, affiliates and government portals.

Services extends not only for ITR(s) but also for GST returns, TDS returns, RERA compliances, etc. and for all tax related solutions listed or provided by our website and mobile application;

We collect interests or requests of User over the listed Product and services on our platform such as Investments Related Products, Banking Related Products, Loans Related Products, Cards Related Products, and others relatively; Services will also be extended to Tutorials related tab which provides conferences, webinars, tutorials, coaching, etc. digitally through way of providing link for a video/audio or both webinars/ conferences links thereof respectively (collectively referred to as “Services”) and forward it to the Expert who are registered, authorised and competent to process the lead accordingly. Point to be very carefully understood is any of the services are not provided by Company or by “RUPYAFIN” (trade name); services are solely and exclusively provided by the Independent Professionals including but limited to Lawyers/ Accountants, Experts, or any individuals, association, firm or entity registered or unregistered with the competent authority; THE COMPANY DISCLAIMS ANY AND ALL LIABILITY FOR THE SERVICES PROVIDED BY THESE PROFESSIONALS, AND USERS ACKNOWLEDGE AND AGREE THAT THE COMPANY IS NOT RESPONSIBLE FOR THE QUALITY, ACCURACY, OR TIMELINESS OF THE SERVICES PROVIDED.

(vii) Professional (they may be Lawyers/ Accountants, Experts or any individuals, association, firm or entity registered or unregistered with the competent authority); shown into Client’s login under “My Professional” tab, they may be duly assigned by RUPYAFIN after registering or Client whom had been added by Respective Professional into the platform or had been self-registered under such Professional; of which Client has to take care and make his own due diligence before proceeding in very first time; while dealing with, before and in due of course of availing of services under the banner of www.rupyafin.com and or by using our Mobile Application and report it to legal@rupyafin.com to abstain from such on boarding and take necessary actions.

USE OF CUSTOMER INFORMATION :

1. For the purposes of verifying your identity and authenticating your registration as a customer, and create and operate your account (login) with us.
2. For providing the Services to you
3. For processing payments made through our Services.
4. For complying with legal obligations.
5. For Operation, risk control, fraud detection, and prevention.
6. For the purposes of performing our obligations that arise out of the arrangement we are about to enter or have entered with you.
7. For responding to court orders, establish or exercise our legal rights, or defend ourselves against legal claims.
8. For improvising customer service to effectively respond to your service requests and support needs.
9. For improving the functionality of our Services based on the information and feedback we receive from you.
10. For sending notifications to manage our relationship with you including to notify you of changes to our Services, send you information and updates pertaining to the Services you have availed, and to receive occasional company news and updates related to us or the Services.
11. For monitoring trends and personalise your experience.
12. For improving our business; and
13. For conducting training and AI-based skill training.

Above provided information/details shall be uploaded by the User in soft copy form on the Platform at the time of enrolment. Once the information is received by the Company, the documents shall be provided to the concerned Professional and/or upon satisfaction, for the purpose of approving an login with the Company for the transaction to be made by the User and for the purpose of completing the registration formalities – namely, KYC form, and for access and sharing to the Professional(s) for registration to various tax departments, KYC, etc. or for compliances or for other use as may be applicable from time to time; however sharing of such customer information does not allow the Company or Professional to undertake any transactions.

By submitting information to the company through the platform or otherwise, to the extent permitted under applicable laws, all information submitted by the User (except for the personal identifiable information and KYC documentation provided by the User, which shall be by virtue of its nature, be deemed to be proprietary information of the User) shall be deemed to be the property of the Company, and it shall be free to use any ideas, concepts, know-how or techniques provided by such users at the Platform, in any manner whatsoever.

DISCLOSURE OF CUSTOMER INFORMATION :

We undertakes not to disclose Customer Information to any person, unless such action is necessary to:

1. Offer and provide our Services, including but not limited to, for the purposes set out here in Terms of Use and Privacy Policy.
2. Protect (including the interests) or defend RUPYAFIN or its affiliates or group companies, members, constituents, or of other person’s rights, interests or property.
3. Enforce the terms and conditions of the Service (including Platform, product and services).

The Company shall endeavour to limit the collection and use of Customer Information to a need-to-know basis to deliver better service to Customers. We may share or store with, and otherwise transfer Customer Information to Professional as defined (including our third parties, affiliates, group companies, successors, service providers, vendors and partners), subject to suitable confidentiality obligations, and in accordance with contractual terms, applicable laws and our instructions, in order to render the Services to you and to enable us to provide you information about the Services. Professional may be registered or unregistered with us. Such Professional may include, but not be limited to, third parties, partner banks, service professionals, vendors, social media companies, third-party service providers, storage providers, data analytics providers, consultants, and lawyers. These third parties shall use the Customer Information only for the above mentioned purposes or as per contractual obligations.

RUPYAFIN may exchange, transfer or share all or a part of Customer Information with its affiliates, group companies, governmental agencies, and any third parties as may be required by applicable law, or for credit reporting, statistical analysis, credit scoring, verification, or risk management processes, and the Customer shall not hold RUPYAFIN liable for such use or disclosure of this Customer Information. You exclusively consent to such monitoring and agree that the same is not prejudicial to your privacy. RUPYAFIN also reserves the right to transfer complete Lead/ CRM/ Requests or Client/User/Consumer of our platform/services among the Professional in the case where it is required to perform so including but not limited to, as requested by the customer, professional, etc.

RETENTION OF CUSTOMER INFORMATION:

We make sure that any recipients of Customer Information to whom we transfer are subject to strict confidentiality obligations and access to and processing of Customer Information is in accordance with contractual terms, applicable laws, and our instructions.

RUPYAFIN may retain your Customer Information for as long as required to provide you with the Services in accordance with applicable laws and our internal policies, such as managing your account and dealing with any concerns that may arise, or if required for compliance with any legal or regulatory requirements, or for the institution, enforcement, or defence of legal claims.

RUPYAFIN may also retain your Customer Information where we need to use it for our business and related purposes, including but not limited to, responding to queries or complaints, fighting fraud and financial crime or pursuant to contractual obligations.

If we do not require the retention of Customer Information, we use best efforts to destroy or delete such Customer Information as per our internal policies. Accordingly, you are responsible for all activities that occur under your accounts.

4. USAGE OF THE PLATFORM :

1. You are solely responsible for maintaining the confidentiality of any login information associated with any account you use to access our platform/Resources. Accessing (or attempting to access) any of our Resources by any means other than through the means we provide, is strictly prohibited. By accessing our platform, you explicitly agree to refrain from engaging in access (or attempt to access) any of our resources through any automated, unethical or unconventional means.
2. We invest significant resources, time and energy in making sure our software runs optimally and provide 100% accurate delivery of documents (being document delivery technology platform) as provided by user to their respective professional for their tax related solutions such as income tax returns, TDS preparation, GST returns, GST ready Accounting, Tax Saving investment products / services, webinars, tutorials, Blogs, Articles, compliances related, etc. you are required to review the same for ensuring it's correctness. We shall not be responsible or liable for any damages or issues that arise from the provision of incorrect or inaccurate information.
3. You shall not engage in any activity, that disrupts or interferes with our Resources, including the servers and/or networks to which our Resources are located or connected, is strictly prohibited.
4. You shall not attempt to copy, duplicate, reproduce, sell, trade, or resell our resources is strictly prohibited.
5. You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you, as explained above, and may incur criminal or civil liability.
6. We may offer a range of products and services in our platform including but not limited to, open communication tools on our website, such as Tutorials, Courses, webinars, articles, blog comments, blog posts, public chat, forums, message boards, newsgroups, product ratings and reviews, various social media services, etc. You understand that generally we do not pre-screen, post-screen or monitor the content posted by users of these various communication tools, which means that if you choose to use these tools to submit any type of content to our website, then it is your personal responsibility to use these tools in a responsible and ethical manner. You further agree that you will not use our open communication tools by posting information or otherwise as mentioned, you agree that you will not upload, post, share, or otherwise distribute any content that:

1. Refrain from content that are illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or explicit language;
2. Content that infringes on any trademark, patent, trade secret, copyright, or other proprietary right of any party;
3. Content that will be any type of unauthorized or unsolicited advertising;
4. That may impersonate any person or entity, including any www.rupyafin.com employees or representatives.
5. We reserve the right at our sole discretion to remove any content that, we feel in our judgment does not comply with this User Agreement, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or any cause we feel is not appropriate or violates any 3rd party copyrights or trademarks. We are not responsible for any delay or failure in removing such content. By posting content on our platform you hereby consent to our removal of such content, that we choose to remove, and consent to waive any claim against us.
6. We disclaim all liability for any content pertaining to (or posted by) you or any other third party users of our website. However, any content posted by you or posts which belongs to using any open communication tools on our website, provided that it doesn't violate or infringe on any 3rd party copyrights or trademarks, becomes the property of www.rupyafin.com, and as such, gives us a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as we see fit. This only refers and applies to content posted via open communication tools as described, and does not refer to information that is provided as part of the registration process, necessary in order to use our Resources. All customer information provided as part of our registration process is covered by our Privacy Policy.

1. You agree to indemnify and hold harmless rupyafin.com, a digital property operated by HHMA Innovations Bharat Private Limited and its owner of domain and rights, the Company and Professional (registered with Rupyafin); affiliates, and their directors, officers, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this User Agreement or the failure to fulfill any obligations relating to your account incurred by you or any other person using your account. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under this User Agreement. In such event, you shall provide us with such cooperation as is reasonably requested by us.
2. RUPYAFIN or PROFESSIONAL (registered on our platform) may not be able to offer all the products or services available on the Application to you. As a third-party provider, we reserves the right to determine an applicant’s eligibility and availability.
3. We reserve the right in our sole and absolute discretion to suspend, delist you or block your future access to the platform or suspend or terminate your registered account if it believes, in its sole and absolute discretion that you have infringed, breached, violated, abused, or unethically manipulated or exploited any term of these Terms and Conditions.
4. The Client hereby acknowledges and agress that all the decisions of the Client, notwithstanding the Services rendered by us, in relation to any recommendation or advice shall be based on Client’s own independent assessment of the risks and rewards of the investments and other circumstances with proper evaluation thereof.
5. By utilizing the application, you acknowledge and agree that we make no guarantees or representation that the application will yield any profits or losses will be avoided, or that the Client’s objectives, including their investment goals will be met, or that they will not be adversely affected by tax consequences, technical problems, or regulatory compliance. In connection with any services provided to the Client, and we disclaims any liability for any error of judgement or loss suffered by the Client.
6. Further, you shall be solely responsible for any financial or non-financial decision taken by you based on services of RUPYAFIN, and we shall not be liable for any loss or damage caused to you or other users of this Application due to such decisions. You expressly agree that the use of the Application is at your sole risk.
7. Market risks are inherent in every investment. Please read all scheme related things carefully. Past performance is not an indicator of future returns.
8. You acknowledge that all interaction, communication, dealing or transaction between the user and the Professional (as defined) or Third-party provider in respect of any products / services offered by the Professional (Third-party provider) is a separate and independent transaction between the Client and Professional (Third-party provider) without any liability. You acknowledge that RUPYAFIN or HHMA Innovations Bharat Pvt Ltd. is not responsible for any cost, damage, loss or expenses incurred (by us or Third-party) arising out of or in relation with any such communication, dealings and transactions between the Client and Professional /Third-party providers.
9. In order to, by the Professional (as defined), provide the services on the platform which may be including but not limited to; tax related services/assistance such as ITR, GST Return, TDS Return, RERA Compliances, Investment related forwarding of leads, Banking related products leads forwarding/ processing, schemes related services, Tutorials related services, Webinars related, Articles, Blogs, Books, Thesis, Products Listings, etc. banks related products or advisory, etc. or any type of services or products listed on our platform; we collect information about your income, deductions, credits, dependents, requirements, remarks, interests, likes, registration number and their respective photo copies, etc. Collectively, this information is referred as “Tax Return Information”, Investment Related Information, Loans Related Information, Schemes Related information; etc. respectively to transfer to the respective independent Expert or Professional to render the services to Client(s); and you hereby agrees to read the poducts related information before generating any leads/requests/CRM.
10. to retain copies of your : completed requests, tasks, investment documents, loans and schemes related documents, drafted or :- filed ITRs, filed GST, filed TDS, other returns copies, annexures, schedules copies, allied financial records, challans, compliances related acknowledgments/ documents/ data/ information/ deeds/ supplied materials for tribunal or authority related compliances/ registrations/ documentations/ information or returns; including retrieving information from governmental and other statutory bodies including but not limited to GSTN and NIC. This information may also be used to perform analysis or to provide you with a copy of your returns for your convenience or share with concerned or respective Professionals/Experts.
11. To (by using your Tax Return Information) Professional may prepare your IT return, GST returns, TDS returns, regulatory or statutory compliances, etc; and provide related assistance and services. To by using available data, records, documents, information, financial and allied records, etc. prepare and provide you with various products and services related assistance and services and thereforth, share and access with the related information/data to the concerned party as and when needed.
12. We disclaim any responsibility for any such communications, interactions, deals, or transactions between the users and the Professional or third-party providers, and we shall not be held liable for any such consequences as a result of such communication, interaction, deals, or transactions between the users and the Professional (third-party providers).
13. A Professional or Third-party provider’s advertised or offered product or service is not warranted, endorsed, guaranteed, or assumed responsibility by us, and we shall have no commitment or liability for any transaction between you and such third party provider. If you are purchasing a product or service through these Third-party providers, you should use your best judgement and exercise caution where appropriate.
14. As outlined in the Platform, we has the right to charge fees to its client for the use of its application and / or services. RUPYAFIN may alter its fee structure as it deems appropriate at its sole discretion from time to time, and you will be adequately informed prior to such changes. All charges and fees shall be exclusive of taxes and all Government taxes including but not limited to GST shall be payable by you. All charges shall be non-transferable. Under such circumstances, if you are not agreed with such charge you have the option to close out of your Account without incurring any costs to the Company.
15. You agree to allow Us or our Professional (as defined) to add You as their respective client(s) i.e. professional’s clients on the Income Tax Department web services to submit ITR, retrieve ITR-V, refund status, 26AS, AIS, TIS, etc. as per the Electronic Furnishing of Return of Income Scheme, 2007 including any subsequent amendments, notifications or similar schemes, regulations, rules issued from time to time.
16. You acknowledge and agree that while RUPYAFIN may not currently have set a fixed upper limit on the number of transmissions You may send or receive through the Services or on the amount of storage space used for the provision of any Service, such fixed upper limits may be set by RUPYAFIN at any time, at RUPYAFIN’s discretion.
17. You abide to provide us with universal, royalty-free, non-exclusive license to host and use the Content in order to provide you with the Services. You agree not use the Services for any illegal purpose or in violation of any applicable law or regulation. You are encouraged to archive your Content regularly and frequently. You are responsible for any Content that may be lost or unrecoverable through your use of the Services. You must provide all required and appropriate warnings, information and disclosure. You agree that you will not use the Services to share, store, or in any way distribute financial data that is not in accordance with the law. Any users suspected of having information which involves fraud, embezzlement, money laundering, insider trading, support for terrorism, or any other activity prescribed by law may have their accounts terminated, their financial data erased, and they also may be reported to law enforcement officials in the appropriate jurisdictions. We takes no responsible for the content or data you submit on the platform.
18. RUPYAFIN or HHMA Innovations Bharat Pvt Ltd do not give professional advice. Unless specifically included with the Services, We are not in the business of providing legal, financial, accounting, tax, health care, real estate or other professional services or advice. Consult the services of a competent professional when you need this type of assistance. The Independent Professional or affiliates registered with on our platform to cater services on rupyafin.com to clients are having their own set of terms and privacy policy for any such advice or services they provides and their liability or obligations sticks to them; the platform is free from any liability or obligations arising therefrom, clients or users has to take care of such facts before utilising any of our services.
19. You acknowledge and agree that if RUPYAFIN disables access to your account, you may be prevented from accessing the Services, your account details or any files or other content which is contained in your account.
20. You agree to allow us to add you as a client under any professional in our website to be listed as an customer/ consumer/ client for the services or for the services you have specified and be serviced from the Professional or any affiliate from them or from us at the discretion of the Company. You understands you have only remedy to stop using the platform and services as remedy for non-abidance of such terms and privacy.
21. Pursuant to the Company's continuous ongoing efforts to develop, improve, and maintain the Platform and Services, you acknowledge and agree that the Company may stop (permanently or temporarily) providing the Platform or Services (or any features within the Services) to you or to users generally at the Company's sole discretion, without prior notice to you. You may stop using the Services at any time. No specific notification to the Company is required upon cessation of use of the Services.
22. You hereby acknowledge and agree that upon account disablement by the Company, you may be prevented from accessing the Services, your account information, files, content, and any other data stored therein, without exception or remedy.
23. You hereby agree and acknowledge that if you opt for services from your assigned or respective Professional, you acknowledge that any information directly received from such Professional only will constitute ‘services’. However, you acknowledge that any services received from Professional will not be binding on you. In no event shall the RUPYAFIN/ Company be liable to you for any loss or damage that may cause or arise from or in relation to these Terms and/or due to use of this Platform or due to investments made or lead generated or service received by the way of professional/ third party service provider channelled through, using this Platform. For ascertaining your risk appetite, third party service providers may request you to provide such information as may be necessary for the purpose of giving proper or detailed information on investment products and services or investment advice, including without limitation the following: age, investment objectives and the purposes of the investment, income details, existing investments, assets, risk appetite, tolerance, and liability or borrowing details.‍
24. No Services, Endorsement or Professional Consultation

You acknowledge the use of the site, may involve delays, omissions or inaccuracies in information obtained. This information is provided to you with the understanding that RUPYA or HHMA Innovations Bharat Pvt Ltd.’s provision of this information to you does not constitute the rendering of investment, consulting, legal, accounting, tax, career or other advice or services. Information on this Site should not be relied upon for making business, investment or other decisions or used as a substitute for consultation with professional advisors. Moreover, RUPYAFIN does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed, uploaded, downloaded or distributed through this Site by HHMA Innovations Bharat Pvt Ltd., any user, information provider or any other person or entity. You acknowledge that any reliance upon any /such opinion, advice, statement, memorandum, or information shall be at your sole option and risk. Furthermore, We does not grant any license or other authorization to you to use this Site in any manner that, in whole or in part, implies Our endorsement, sponsorship, or affiliation or suggests that We sanction or approve your use of the Site, without Our prior written consent. or if such use in whole or in part suggests that RUPYAFIN; promotes or endorses including but not limited to any third party’s causes, ideas, political campaigns, political views, web sites, products or services.

6. 6. Investment Activity Caution and Advisory

Please note that we are not a registered investment advisor, investment intermediary, or a company/platform registered with SEBI or any other statutory or regulatory body. The Products and Services listed on our Platform in order to avoid any potential confusion; it should not be construed as investment advice or a recommendation to buy or sell any security or engage in any investment activity. Investment in the securities market (including mutual fund investments and other all types of investments listed on our platform) are subject to market risks, please read all investments, offer and scheme-related documents carefully, before investing. For the purposes of these Terms, the term “Offer Document(s)” shall refer to a collective term for Offer Document, Scheme Information Document, Statement of Additional Information, Key Information Memorandum, issued by the AMC that manages the mutual fund or the issuer of the relevant financial product. There is no guarantee for any returns on investments made in mutual fund scheme(s) or other relevant investment products. Past performance of mutual funds/schemes/ any products do not indicate the future performance of the schemes and may not necessarily provide a basis of comparison with other investments.

7. PRIVACY
8. Our company places great value on your privacy, and accordingly, which is why we've created a separate Privacy Policy in order to explain in detail how we collect, manage, process, secure, share, transact, store and transfer your private information. Our privacy policy is included under the scope of this User Agreement. To read our privacy policy in its entirety visit www.rupyafin.com/Legal/PrivacyPolicy.
9. Furthermore, we reserve the right to provide upgrades, patches, enhancements, or fixes for our Platform and to the Services provided to you and such updates will become part of the Platform and subject to the Terms. Notwithstanding the foregoing, we shall have no obligation under these Terms or otherwise to provide any such updates. You acknowledge and understand that we reserve the right to discontinue support, old versions or releases of the Platform (Website and Application) at any time in its sole discretion.
10. Services are provided by authorized Professionals or third-party service providers, who are responsible for compliance with applicable laws and regulations. The tax services including other banking or investments services, etc. are rendered by Professional or third parties who may have the applicable approvals/ registrations. You note and agree that the Company is only acting as a technology facilitator for the services or solutions wherein the role of the Company/RUPYAFIN is limited to the extent of providing the Platform to you.
11. You acknowledge and agree that the Company  shall have no responsibility or liability in relation to failure of any activity, if such activity may have been initiated by us, any third party or by you, and that has failed or delayed on account of any act or omission of the financial institutions, banks, non-banking financial companies, the process of authentication and acceptance of  data by such third parties, including but not limited to, failure or delay as a result of, network or connectivity failure, device or application failure, Platform failure, possible down time at Platform or any other technical or non-technical error of any nature, whether foreseen or unforeseen.
12. You noted and agree that the Company is only acting as a technology facilitator for the products listed on our platform such as investments, etc to be shown or for browse purpose only and collecting the leads for interests into particular products and services; wherein the role of the Company is limited to the extent of providing the Platform to you. Any transaction in respect of investment advisory services is strictly a bilateral transaction between Professional or assigned affiliate or expert and you.
13. LIMITATION OF WARRANTIES & DISCLAIMER

By using our website, you hereby understand and agree that all materials, resources and information we provide are "as is" and "as available" basis, without warranties of any kind, express or implied, and that your use of such Resources is at your sole risk. Company or RUPYAFIN does not control, endorse or take responsibility for any third-party content available on or linked to by our Services. We are a provider of technology platform. We are not and will not be liable for any claims or damages suffered, whether by you, the third parties of the Users whose information is recorded on the Platform, or any other person or party, that are directly or indirectly related to or arise from the same, including any payments made by you or by any third parties of the User using the payment link generated using the Platform. We disclaim any liability arising from the use of our platform and application.

YOU USE THE PLATFORM AND THE SERVICES AT YOUR OWN RISK ALONE. THE PLATFORM AND THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THESE TERMS, THE COMPANY, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND OTHER REPRESENTATIVES, EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. THE COMPANY MAKES NO WARRANTY THAT: (I) THE PLATFORM OR THE SERVICES WILL MEET YOUR REQUIREMENTS; (II) THE PLATFORM OR THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (III) THE QUALITY OF ANY AND ALL PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL, INCLUDING ALL MERCHANDISE, GOODS AND SERVICES, OBTAINED OR PURCHASED BY YOU DIRECTLY OR INDIRECTLY THROUGH THE PLATFORM OR THE WEBSITES WILL MEET YOUR EXPECTATIONS OR NEEDS; AND (IV) ANY ERRORS IN THE PLATFORM OR WEBSITES WILL BE CORRECTED

WITHOUT EXPRESSLY PROVIDED BY RUPYAFIN TO THE CONTRARY, THE SERVICES AND THE RUPYAFIN MATERIAL ARE PROVIDED “AS IS” AND, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, RUPYAFIN, HHMA INNOVATIONS BHARAT PVT LTD AND ITS PARENT, SUBSIDIARIES AND AFFILIATES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, PROFESSIONAL (as described above), CONTRACTORS, CONSULTANTS, AGENTS, ASSIGNS, LICENSORS, DISTRIBUTORS, ADVERTISERS, WEB-LINK PROVIDERS, DEALERS OR SUPPLIERS (COLLECTIVELY, THE "PARTICIPATING PARTIES") DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SERVICES, RUPYAFIN MATERIAL, AND RELATED MATERIALS, INCLUDING, WITHOUT LIMITATION, THEIR FITNESS FOR A PARTICULAR PURPOSE, THEIR MERCHANTABILITY, QUALITY, AND NON-INFRINGEMENT."

YOU HEREBY ACKNOWLEDGE AND AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR CONSULTING WITH YOUR OWN PROFESSIONAL,      TAX ADVISORS AND FINANCIAL EXPERTS REGARDING YOUR SPECIFIC TAX OBLIGATIONS AND FINANCIAL CIRCUMSTANCES, AND THAT WE DISCLAIM ANY LIABILITY FOR ANY DAMAGES OR LOSSES ARISING FROM YOUR FAILURE TO DO SO. YOU HEREBY AGREE AND ACKNOWLEDGE THAT YOU ARE SOLELY RESPONSIBLE FOR CONSULTING WITH YOUR OWN PROFESSIONAL TAX ADVISORS CONCERNING YOUR SPECIFIC TAX OR FINANCIAL CIRCUMSTANCES. RUPYAFIN / PLATFORM DISCLAIMS ANY RESPONSIBILITY FOR THE VALIDITY, ACCURACY, OR ADEQUACY OF ANY POSITIONS TAKEN BY USERS IN THEIR TAX RETURNS OR PRODUCTS / SERVICES INCLUDING BUT NOT LIMITED TO INCOME TAX, TDS, REGISTRATION, GST. All warranties or guarantees given or made by RUPYAFIN with respect to the Services (1) are for the benefit of the Registered User of the Services only and are not transferable, and (2) shall be null and void if you breach any terms or conditions of this agreement.

We make no representations or warranties, about our services or application as follows:

1. LIMITATION OF LIABILITY

In accordance with and subject to the Limitation of Warranties as explained above, you expressly understand and agree to cap any claims against us at the amount you've paid (if any), relinquishing any claims exceeding that amount on our platform, for use of products and/or services. We, www.rupyafin.com will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages which may be incurred by you as a result of accessing or using our platform including products and services listed on our platform, or as a result of any changes, data loss or corruption, cancellation, loss of access, or downtime to the full extent that applicable limitation of liability laws apply.

Accordingly, the information provided through or in relation to this Platform is so done with the understanding that we are not herein engaged in rendering legal, accounting, tax, or other professional advice and services. As such, it should not be used as a substitute for consultation with professional accounting, tax, legal or other competent advisers. Before making any decision or taking any action, you should consult a professional advisor. You acknowledge that the provision of the Platform or Services does not constitute the provision of any specific advice nor any other professional services or advice of any kind (including any tax services). By utilizing the Platform or Services, you acknowledge that you do so voluntarily and at your own risk, and you accept full responsibility for any consequences arising from your reliance on the content or information provided therein.

1. COPYRIGHTS / TRADEMARKS

Our Platform offers various content and materials, including, but not limited to, text, graphics, website name, code, images and logos are the intellectual property of RUPYAFIN and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized by HHMA Innovations Bharat Private Limited in writing.

1. TERMINATION OF USE

You understand and agree that we may, at our sole discretion, suspend or terminate your access to all or part of our platform, website and Resources with or without notice and for any reason, including, without limitation, breach of this User Agreement. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination, your right to use the Resources we provide will immediately cease, and we reserve the right to remove or delete any information that you may have on file with us, including any account or login information. We reserve the right to add, modify or discontinue, temporarily or permanently, the Services and Platform (or any part thereof) with or without cause. We shall not be liable for any such addition, modification, suspension or discontinuation of the Services. We may terminate or suspend your access to Platform or access to all or any of data: (i) at our discretion; (ii) if you fail to comply with these Terms or the Privacy Policy (www.rupyafin.com/Legal/PrivacyPolicy); (iii) in case of inactivity for long periods; or (iv) in case of any fraud, insolvency or bankruptcy in relation to you. You agree that our right to terminate does not depend on whether you breach these Terms or not.

1. RUPYAFIN AND/OR ITS RESPECTIVE ASSOCIATED PROFESSIONAL make no representations about the suitability of the contents, information, software, products, features and services contained on this platform. Rupyafin and/or its associated entities hereby disclaim all warranties and conditions with regard to these contents, information, software, products, features and services, including all implied warranties and conditions to exploit commercially, fitness for a particular purpose, title, non-infringement, and availability.

This Platform is intended for personal, non-commercial use. The user is responsible for keeping their login credentials and other confidential information secure and confidential, and for preventing unauthorized access or use by others. The user may not use the Platform to make any fraudulent applications. The user also agrees not to use the Platform for any purpose that is unlawful, illegal or forbidden by these Terms, or any applicable laws. RUPYAFIN is running this Platform in India, so remember that by using the Platform, for the same purpose, the user needs to agree to comply with laws that apply to India, including laws that apply to exporting technical data. Registered users acknowledge, agree, and authorise the Company to collect, store, process, and share information (including personal information) with third parties when necessary, such as payment gateways, banks, tax departments, and other entities, for the purpose of providing the services. Users agree and acknowledge that we will use external consultants or subcontractors and share your information with them in order to provide you with the requested services. By registering as a free/paid member of the App and availing the services, you agree and authorise us and our Professional(s) to perform the services on your behalf, including but not limited to, downloading Form 26AS and other required information, preparing and submitting your Income tax return online, filing of your GST returns etc., as applicable. All compliance/service orders purchased through a user’s account shall be deemed to have been authorised by the user, and the Company shall not be liable for any unauthorised use of the user’s account. If a user does not agree with these terms, he or she must not use the application. By continuing to use the application or services, user agrees to be bound by our terms and conditions

9. TERMS AND CONDITIONS APPLICABLE FOR PRODUCTS AND SERVICES ON OUR PLATFORM :
10. The client is liable for stamp duty charges, which must be paid in full. Please note that if you wish to register a Partnership Firm with the Registrar of Firms, additional charges will be applicable, and we will notify you of these charges before proceeding with the registration.

1. Terms and conditions specific to a particular product or service will apply accordingly, and the client must always verify the prevailing conditions with the respective product or service provider. For example, Stamp duty for incorporation of company, will be payable extra depending on the state of incorporation.
2. Users or consumers must also comply with the respective, relevant norms and RUPYAFIN or Company has nothing to do case of any compliance or notify obligations.
3. We do not provide any recommendations or endorsements regarding the delivery or confirmation of any services or products such as filing and cannot confirm the availability or guarantee for any compliances, etc.
4. The client is responsible for verifying the accuracy and completeness of the information provided, and we shall not be liable for any errors or omissions or information that is incomplete or false. We, shall not be held responsible for any objections, refusals, oppositions, or other issues that may arise during any operation, transaction or process. The client acknowledges that such matters are beyond the control of RUPYAFIN. As we are merely an technology platform provider, User has to deal with their respective Professional on the platform available under My Professional tab.
5. RUPYAFIN cannot guarantee that the lead will be transferred to the Professional and will be accepted or assigned by us. The acceptance and rejection are part of the due course of operation; that is on the complete discretion of the Professional for a particular lead(s) or all of the leads to accept or keep pending or reject thereof and are subject to the discretion and approval of the RUPYAFIN also for a particular reason or any reason including but not limited to availability of Professional, service area, availability of authorised or competent expert, personnel, etc for transfer the lead thereto. While RUPYAFIN will make reasonable efforts to assist the client throughout the process, However, ultimate solution or satisfaction or closure of the lead is not guaranteed and thus stands no obligation on the part of us. The client is responsible for tracking the status of their request(s)/ CRM/ Lead(s)/ application on the platform or through their respective professional. RUPYAFIN may provide assistance or guidance, upon request.
6. The client understands and agrees that issues related to Show Cause Hearings, Notices, objections, delays, filings, and other related matters are the responsibility of their designated professional and are outside the scope of our services and control.
7. RUPYAFIN will maintain client data confidentiality unless compelled by a court, administrative agency, or other governmental body.
8. The scope of services provided by the company will be determined by the package selected and purchased by the client or user.
9. Verification services provided by a Chartered Accountant (CA) for various services, such as income tax returns, GST returns, TDS returns, and others, will incur separate and additional charges.
10. The client is solely responsible for ensuring the accuracy, reliability, and completeness of all information and data provided in tax returns, filings, accounting records, and other documents, before approving and signing them.
11. The Client is also obliged to disclose all material and relevant information before the operation to their respective Professional.
12. RUPYAFIN shall not be held liable for any issues that may arise from incorrect or incomplete information provided by the Client.
13. All government fees, penalties, statutory audit fees, taxes, and other related expenses incurred during the engagement shall be borne by the client, and shall be paid on an actual basis. RUPYAFIN will not be responsible for the preparation of accounting records and statutory returns or performing any compliances or any operation with relation to request raised or leads generated. In Accordance, to the personal transaction, understanding or settlement between User and Professional; the RUPYAFIN or Company is not liable for any obligations, liabilities, or damages arising from the transaction or the ordinary course of business, including data exchanges between the User/Client and the Professional, and disclaims all responsibility therein.
14. Clients are required to provide reasonable access to relevant individuals and documents, and are responsible for the completeness and accuracy of the information supplied to us.
15. Any guidance or advice provided is based on our professional’s opinion, which is formed after carefully considering the client's unique situation and specific circumstances and User or Client understands RUPYAFIN is free from any liability or obligation arising from such disputes, loss, etc. from such advices. Therefore, it is the sole responsibility of the client to consult their Expert or Advisor before making any decision for availing any product or services pertaining to our platform.
16. The client should be aware of the due dates and required compliances under various laws, acts, regulations, and rules. The client is solely responsible for adhering to all applicable legal compliances and will be liable for any penalties or losses incurred due to non-compliance with any applicable laws, rules, regulations, and acts.
17. The cost of compliance filing is scalable and dependent on the business's size and complexity, with larger and more intricate businesses incurring higher costs. For more than 5 Client, additional charges shall be levied for each Client to the Professional.
18. Charge structure : TDS Filing prices are chargeable on Quarterly basis. ESI, PT, PF prices are chargeable on a Monthly basis. GST according to schema, ITR’s annually, etc. other compliances as and when occurred the event.
19. Loyalty Rewards are a type of credit extended exclusively to valued customers such as Basic, Super Basic & Premium; as a gesture of appreciation for their business and loyalty; who are part of our Platform and availing services from our Platform (not added by Professional and not joined the platform by Professional kit).
20. Loyalty rewards provided by our Platform cannot be encashed. The credits can only be utilised for RUPYAFIN services. Loyalty credits can only be utilised for the business against which it received and hence not transferable in nature.
21. When availing services or products on our platform, customers must agree to the specific terms and conditions applicable to each offering.
22. RUPYAFIN assumes no responsibility for the rejection of any filings, compliances, or registration from any authority or statutory body. If the Client instructs us to file without fulfilling the required eligibility criteria; we are not liable for the consequences in any manner. You further agree that RUPYAFIN shall have the sole right and discretion, without any liability of any nature, by all means (whether manual or automated) to accept/ reject any User’s data from being transmitted to the Professional/ System from our Platform, including but not limited to, in the event of a security breach, suspicious data traffic, suspected malware or virus, corrupt data transfer, or for any other reason deemed necessary by the company or at our discretion.
23. The registered user agrees and understand, unconditionally that any information contained in the Company’s brochures or other materials or otherwise communicated by it shall not be construed as investment advice and that all decisions to purchase or sell Units made by the Registered User shall be on the basis of personal judgment arrived at after due consideration and We; disclaims any liability for :

1. guaranteeing payments on units, and investors understand that their investment is subject to risk; or
2. any assurance for liquidity of any units; or

• Make any offer to buy back any units; or

1. assuring the redemption or repayment of any units on maturity; or
2. Guarantee the payments of interest or dividend; or
3. Promise or guarantee any returns; or

• Guarantee any good delivery.
• Subscribe to any investment or banking or any products and services listed on the platform on behalf or in name of the Registered User or collect payments from them for the units so purchased for remitting it further to the AMCs, etc. ; or

1. Provide/receive any account statement from any service provider such as Mutual Funds/AMCs, etc. on behalf of or in the User’s name pertaining to the units; or
2. redeem /sell the units held by the User or on its behalf or in its name; or
3. involves for any services after the lead is raised such as instruct the Mutual Fund and/or the corresponding AMCs with regards to nomination/changes in investments plan/any other changes; or

• sign any document on behalf of or in the name of the User for purchase, sale or redemption of units; or
• collect, receive and / or give receipts and discharges for any sum including dividend, interest or income arising from the units and does not sign and/or endorse dividend and interest warrants on my/our behalf or in my/our name; or
• Correspond with or gives notice to any source of body such as Mutual Fund/AMCs on behalf of or in the name of the User, for transmission of transactions done or purported to be done by the User on the online technology Platform.

1. The Company does not make any promises to the Registered User basis the products and services provided on the Platform. The data collected from the Registered User against the interests, leads, requests, CRM, etc. calculate the prospective investments and is in relation to the professional of the Registered User and shall not be construed as an authoritative advice to them. The Company does not offer any advice and nothing herein or on the Platform shall be construed as investment advice by the Registered User.

• Any sum invested through the RUPYAFIN channel/platform is not a deposit with the Company and is not company insured and/or assured. The same is not endorsed or guaranteed and does not result in any obligations of the Company or any of the group companies.
• Investments in any investments products and services listed on the platform, are subject to investment risk, including the possible loss of principal amount invested. The value of the investments products purchased or not purchased will fluctuate. Past results are not a guarantee to future performance. Past performance may or may not be sustained in the future.

10. RESTRICTIONS:

You shall not use or access the Website, App or any Service to upload, modify, publish, transmit, or share any information that: 

1. belongs to another person and to which the user does not have any right;
2. is defamatory, obscene, pornographic, paedophilic, invasive of another’s privacy, including bodily privacy, insulting or harassing on the basis of gender, libellous, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force;
3. is harmful to child;
4. infringes any patent, trademark, copyright or other proprietary rights;
5. violates any law for the time being in force;
6. impersonates another person;
7. threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States, or public order, or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting other nation;
8. contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource;
9. Is knowingly false and misleading, and is written or published with the intention to deceive or harass an individual, organization, or entity for financial benefit or to cause harm to someone, and is a form of fraudulent or abusive content;
10. Copy or replicate the Products and Services, including electronic copying or replication, without explicit permission;
11. Attempt to reverse engineer, decompile, or otherwise derive the source code for the Services;
12. disable or bypass any access control or related device, process, or procedure established for the Services as All rights not expressly granted to the user, are reserved by Company itself.
13. You agree and acknowledge that company may prescribe other standards and specifications that it may deem necessary, from time to time in its sole judgment in relation to platform and services provided by us, which shall be binding on you without any objection.
14. You hereby agree and acknowledge neither the Company nor Professional shall have any responsibility or liability in relation to failure of any activity, if such activity may have been initiated by you or your client or by the Company on your behalf, and that has failed or delayed on account of the process of authentication and acceptance of your or your client’s data by the Professional or otherwise, including but not limited to failure or delay as a result of, network or connectivity failure, device or application failure, Professional resource/ system’s failure, possible unavailability at Professional’s end or any other technical or non-technical error of any nature, whether foreseen or unforeseen at the time of use of the Services.
15. In case of any additional obligations are imposed by Professional on the Client pursuant to its arrangement with the Company, you agree and acknowledge that the such additional obligations shall be binding on you.
16. You acknowledge that the Company will be maintaining records of all the transactions in relation to the Professional’s services provided on the Platform, as required under applicable laws and RUPYAFIN will have the right to conduct audit of your records without any notice. By accepting these Terms, you explicitly consent to the Company collecting, storing, and processing your data and confidential information, in whole or in part, on the Company's servers, cloud storage, or other media, whether transmitted, processed, or passed through the Platform.
17. You confirm that you have implemented all necessary compliance measures, certifications, and security protocols to ensure the secure transmission of data from your network to the Platform, without any risk of data breach, theft, or loss.

11. FORCE MAJEURE

We shall not be held responsible for any transaction failures or errors on the Application, or for any failure of the RUPYAFIN to fulfill its obligations under these Terms and Conditions, if such failure is caused by an event of Force Majeure. In such cases, our obligations will be temporarily suspended for the duration of the Force Majeure event. The term “Force Majeure Event” means any event which occurred and is beyond the control of the Company, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, pandemic, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.

During a Force Majeure Event, the Company will be exempt from performing its obligations, and any resulting delay or non-performance will not constitute a breach of contract or default, but rather a justified and excusable exception.

12. EXTENT OF LIABILITY

1. RUPYAFIN disclaims any liability for disputes or issues resulting from inaccurate, outdated, or incorrect user information provided by the user.
2. All the services shall be provided as per the information given by the individual availing the services only.
3. The Company shall not be liable for any errors or issues that arise from technical problems, including but not limited to bugs in the system or server, technical glitches, or other technical failures.
4. This website maybe temporarily unavailable from time to time due to maintenance, telecommunication interruptions, or other disruptions.
5. RUPYAFIN and/or its respective associated entities make no representations about the suitability of the contents, information, software, products, features and services contained on this platform.
6. WE provide no guarantee or warranty on the correctness of your output including Income Tax Return (ITR) and or allied services listed on our platform. You are required to review your filings, registrations, compliances, etc. such as ITR, GST, TDS etc. for ensuring correctness. You will not hold us liable or responsible for any issue that arises from incorrect registrations, filing or compliances. Moreover, We will not be responsible for any errors on the Income Tax Portal in any related calculations. 
7. In no event shall RUPYAFIN and/or its PROFESSIONAL or associated entities be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of this platform or with the delay or inability to use this platform, or for any contents, information, software, products, features and services obtained through this platform, or otherwise arising out of the use of this platform, whether based on contract, tort, strict liability or otherwise.
8. In no event RUPYAFIN, its Professional (as defined) and associated entities, directors, employees, agents will be held liable to you or any third party for any damages, liabilities, losses, and causes of action arising out of or relating to: (i) this terms; (ii) use of or access to the platform and/or the services; or (iii) your use or inability to use the services provided through the platform to you; (iv) any other interactions with RUPYAFIN, or any other associated information or (v) any act or omission caused by any other third party, however caused and whether arising in contract, tort including negligence, warranty or otherwise exceed INR 1/-.
9. You agree to review your tax filing / return/ Compliances for indications of obvious errors prior to electronically filing or printing your return. However, this is in between your Professional and You (user), as we are mere a platform provider we has nothing to do in such operations.
10. The Company reserves the right to terminate the Services at any time if the Registered User breaches any of the Terms (including these terms). Upon termination, the Registered User shall still be responsible for fulfilling any obligations incurred prior to the effective date of termination.
11. In the event of a disagreement between the Registered User and the Company regarding transaction details, the Company's transaction logs will serve as the definitive and conclusive evidence, binding on the User, and shall be relied upon to resolve the dispute.
12. By opting for investment advisory services or products or OTHER services through our Platform, the Registered User acknowledge and agree and we further clarify that we are not an investment advisor registered with SEBI and we may only provide a Platform to facilitate you to obtain such services through competent Professional or Expert. You are required to review and agree to the terms of usage of such Professional before or while availing their services.
13. The Company acts solely as a technology facilitator for all the listed products and services wherein the role of the Company is limited to the extent of providing the Platform to the Registered User and Professional. Any transaction in respect of investment product and investment advisory services and/or other; is strictly a bilateral transaction between User and their respective Professional/ affiliate.
14. Any information in relation to the investment advisory services and/or other product and services is received from third party and is displayed on an “as is” basis on the Platform. The Company is not in any manner responsible for the accuracy, and completeness of such information. The Company's provision of products and services through the Platform, and its display of information received from third parties, does not constitute, and should not be construed as, any recommendation, advice, or opinion from the Company/RUPYAFIN/Us, and the Company/RUPYAFIN / we makes no representation or warranty as to the accuracy or reliability of such information.
15. Respective third party will be solely responsible for providing (or sponsoring) the products and services including advertisements, offers, flyers, brochures, etc. to the Registered User (and/or by way of listing on the platform) and for compliance with applicable law including SEBI (Investment Advisers) Regulations, 2013 (including amendments) and the Platform/ RUPYAFIN/ Company shall not be in any manner held responsible and liable for the quality of service (including deficiency) rendered by respective Professional, Expert, third party service provider, etc. to them.
16. The terms of the Investment Advisory Services Agreement between respective Professional and the Registered User shall additionally apply for availing investment advisory services.
17. You acknowledge, agree and authorise, the Company and Professional to collect, store, process your information and further transferring and sharing information (including customer information) with third parties including, payment gateways, banks, KYC Registration, and other entities for the purpose of the Services.

12. USER LIABILITY

1. To access, use, or avail RUPYAFIN Services, users must read and agree to our conditions of Privacy Policy and provide accurate and honest customer information, which shall be deemed accepted by them upon utilizing our Services and provide accurate and honest customer information viz. about their name, address, income, investments, credits, dependents, mobile number, email address, bank account number, Salary Slips, Capital gain statements, property details, IFSC Code, Aadhar Card No, PAN, Income and deductions data, Director Identification Number (DIN), Expenses data, financial documents, Asset and liability details, Financial records, Vouchers, Bank statements, Tax payment challans, Tax Deduction and Collection Account Number (“TAN”), Unified Payment Interface (“UPI”) ID, Debit and credit account numbers with its expiry details and any other relevant information, as required.
2. The user shall explicitly state or communicate the services which he desires to avail from RUPYAFIN.
3. RUPYAFIN acts solely as a medium/platform between You and Professional (under My Professional/ Support tab of user login of www.rupyafin.com) for delivery of documents/information/data which may be used for filing the income tax return, GST Returns, TDS Returns, various Authority Compliances such as RERA, etc. and other related (allied) services listed on our platform; we disclaim any liability for the accuracy, completeness, or reliability of such content. You will be solely responsible for any action taken against You by any statutory bodies, or various authorities including but not limited to income tax department, GSTN, MAHARERA etc.
4. The user shall be solely responsible for the breach of these terms and conditions.
5. The user shall not engage in any activity that interferes with or disrupts the Products and Services provided by us.
6. If you upload information relating to any third parties, you should ensure that any such information is uploaded only after obtaining express written consent of the party in order to use the information on the Platform. If such third parties fail to provide written consent, or withdraw the consent, you shall immediately cease to use of the Services in relation to the same. You will be solely responsible for obtaining such consent from third parties and we assume that such consent is sought and received by you at the time of use.
7. The user is prohibited to reproduce, duplicate, copy, sell, trade or resell the Services, subject to our written approval.
8. The user is responsible for maintaining copies of their data entered into our Platform or for availing the Services, as Data loss is an unavoidable risk when using any technology. Therefore, whatever the cause of any downtime, access issues or data loss, your only recourse is to discontinue using the Platform.
9. The user is responsible for the user’s content, and also agrees to not post any content that is unlawful, harmful, tortious, defamatory, libellous, obscene, invasive of the privacy of another person, threatening, harassing, abusive, hateful, racist, infringing, or otherwise objectionable or inappropriate.
10. RUPYAFIN and its independent Professional (as defined above) disclaims, all responsibility to update the Platform or the service/s offered for any reason whatsoever. You understand and agree that the Tax laws are liable to subjective interpretations and opinions and while offering the service/s and or products we and our registered professional’s team of tax experts interpret the vast number of tax law provisions in the most reasonable and law abiding manner. The income, compliances and tax calculations may be different from another tax professional's point of view. By using our services or products, you acknowledge and agree that RUPYAFIN shall not be liable for any errors, omissions, misrepresentations, or miscalculations whatsoever, whether negligent or otherwise, in respect of income or tax-related information reported, displayed, or printed through our platform, and you hereby indemnify us against any claims, damages, or losses arising from such errors or inaccuracies.
11. If according to the Registered User, there is any discrepancy in context to our platform including but not limited to, purchase of any product, availing of services, details of transaction or account of statement then, it shall be the responsibility of the User to intimate the same to the Company on email address of legal@rupyafin.com in writing within 7 (seven) working days of receiving or performing any transaction thereof, failing which such transaction, statement or account (as the case may be) shall be deemed to be accepted as non-alignment of RUPYAFIN in any way or manner; and considered to be performed from your own will and no obligations or liability to be raised on company/us or any questions on the RUPYAFIN will not arise and deemed to be correct,  and accepted by user and users shall not be entitled to question including correctness, refund, disputed or accuracy thereof.

13. COMMUNICATION
14. By agreeing to these Terms and Conditions, the User explicitly consents to receive the alerts with respect to our platform via email, SMS, WhatsApp or push notifications or any other electronic means. If your mobile number is registered in the Do Not Disturb (“DND”) list of Telecom Regulatory Authority of India, you may not receive SMS or alerts from us. In such case, you will be responsible for taking all steps to deregister from the DND list and will not hold us liable for non-receipt of SMS as provided by you at the time of registration. The User hereby grants explicit consent to receive communications from the Company, including but not limited to, alerts, notifications, and information pertaining to:
15. Platform usage and Services;
16. Promotional offers and marketing materials from the Company and its affiliated third-party service providers;

iii. Any other relevant information related to the Services, via various electronic channels, including email, SMS, WhatsApp, push notifications, or other digital means.

The User acknowledges that such communications are an integral part of the Services and may not be opted out of, unless the User terminates their account and ceases to use the Services altogether. In case you access our Platform on behalf of a third party (after obtaining their prior consent), you acknowledge and agree that we are permitted to send any or all of the above information to the other third parties whose information you have made available on the Platform.  

1. Although we may start SMS facility in future currently not providing still We shall not be under any obligation to confirm the authenticity of the person(s) receiving the alert. By agreeing to receive communications from the Company, the User acknowledges and assumes the risk of unauthorized access to such communications, and releases the Company from any liability in this regard. You cannot hold RUPYAFIN liable for non-availability of the SMS/email alert/push notifications service in any manner whatsoever. Because the SMS/e-mail alert/push notification service provided by us is an additional facility provided for your convenience and that it may be susceptible to error, omission and/or inaccuracy. You shall not hold RUPYAFIN liable for any loss, damages, claim, expense including legal cost that may be incurred/suffered by you on account of the SMS/e-mail alert/push notification facility.
2. We're not liable for issues with alerts/notifications (e.g. delayed, missed, or distorted) due to network connectivity or other technological issues beyond our control. We shall not be responsible for any non-delivery, delayed delivery or distortion of the alert in any way whatsoever.
3. Despite being merely a platform provider, you expressly agree to submit a separate request to our support email group, within 30 days of your initial observation, to escalate or follow up on any issues or concerns. Failure to do so shall constitute a waiver of any claims or remedies you may have against the Company in respect of such issues, in case a tax consultant, advisor, Professional (assigned) and/or the company have not responded to your emails and / or not responded to your communication or equivalent and / or not updated you about the status of request/CRM/ Lead raised or generated in time and / or any other discrepancies in rendering the services. We do not claim any liabilities or obligation in performing such tasks, we just want to assist in getting the pending request putting forward to the respective professional. Rupyafin is not responsible for late fees, penalties and / or interest paid by you to the tax authorities, any statutory authority and / or fees paid to Professional or any 3rd party service providers under any circumstances or refund of your service fee paid.
4. You agree that RUPYAFIN is permitted to access and use any tax return, financial data and other information provided by you to perform the Services and, if necessary, to access such information to obtain contact information in order to provide notifications relating to the Services to you.

14. INTELLECTUAL PROPERTY RIGHTS

1. RUPYAFIN is the lawful owners of the Products and Services which are protected under Intellectual Property Laws in India including trademark and copyright law. Title of the products and services and all associated intellectual property rights are owned and shall be retained exclusively by HHMA Innovations Bharat Private Limited and its Professional; Affiliates and licensors as applicable.
2. The User expressly acknowledges that their access or use of the Services does not confer any ownership, right, title, or interest in the Services, or any derivative works, components, trademarks, service marks, logos, or trade names of the RUPYAFIN, Company, its Professionals, Affiliates, or licensors. All intellectual property rights and interests in and to the Services and related materials shall remain solely with the Company and its licensors, and the User shall not acquire any rights therein, whether by implication, estoppel, or otherwise.

1. We reserve all rights associated with such ownership, including the exclusive right to create derivative works based out of the Services provided and to recreate, distribute, licence, and sell such Services. The user acknowledge and agree that the Services, enhancements, corrections, upgrades or modifications to the Products and Services and all copyrights, patents, trade secrets, trademarks and other intellectual property rights protecting or pertaining to any aspect of the Services (or any enhancements, corrections, upgrades or modifications) are the sole and exclusive property of RUPYAFIN and/or HHMA Innovations Bharat Private Limited.

The Company is constantly innovating in order to provide the best possible experience for its users. You acknowledge and agree that the form and nature of the Platform and Services which it provides may change from time to time without prior notice to you.

16. ACTIVE INTERNET CONNECTION

We disclaim liability for issues arising from no internet connection, errors, or inaccuracies. Use at your own risk. By using, you release us from liability. The connection can be Wi-Fi or provided by your mobile network provider; however, RUPYAFIN cannot be held liable for the app or Website not functioning at full capacity if you do not have access to Wi-Fi and have exhausted your data allowance. If you are using the app or Website outside of a Wi-Fi area, you should remember that your mobile network providers terms of service will still apply. As a result, your mobile provider may charge you for the cost of data for the duration of the connection while accessing the application or Website, as well as other third-party charges. Use of the app or Website outside your home territory may incur roaming data charges, for which you are solely responsible. By using the app or Website, you confirm that you have obtained the necessary permission from the bill payer (if it's not you) to use the app and incur any associated charges.

17. AVAILABILITY OF THE APPLICATION

The app is currently compatible with Android and iOS devices, but we may expand to other platforms and modify system requirements in the future. To maintain access to the app, you agree to download and install updates as necessary, which may include new or modified system requirements. RUPYAFIN does not guarantee that it will always update the application so that it is relevant to you and/or compatible with the Android/iOS version on your device. Nevertheless, you agree to always accept application updates when offered. Concerning the responsibility of RUPYAFIN for your use of the app, it is important to note that although we make every effort to ensure that the app is current and accurate, we rely on third parties including but not limited to Technology services; to provide us with information so that we can make it available to you. In no event shall we be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your reliance on the app's functionality, including but not limited to any loss of data, profits, or business opportunities.

The Registered User acknowledges that any transaction done or purported to be done by User on a business day may be processed within a reasonable time in accordance with the availability of the system, if raised on holidays, would be processed on the next business day.

The Company shall use reasonable efforts to meet the specified timelines, but shall not be liable for any delays, including:

- Loss of interest

- Opportunity loss

- Any losses arising from approaching deadlines for compliance, subscription, NAV movement, or other time-sensitive matters

- Any indirect or direct losses, damages, costs, charges, or expenses incurred by the taxpayer, investor(s), or user

The Company shall not be responsible for the non-execution or partial execution of transactions, leads, or requests, including any remaining quantity or tasks. By using our services, you acknowledge and agree to this limitation of liability.

Product availability on the Platform may vary by geographic location, and certain products may not be available in all areas. Additionally, Users may be ineligible for certain products offered on the Platform if they reside in a restricted geographic area. The Company reserves the right to determine product availability and eligibility based on User location. The Company and the Professional reserves the right to determine the availability and eligibility for any product or service.

The Company shall not be liable for any transaction that fails to complete or for any failure to perform its obligations under these terms and conditions or its services/facilities, if such failure is caused by a force majeure event. A force majeure event includes any circumstance beyond the Company's control, such as natural disasters, war, civil unrest, or other events that prevent, hinder, or delay performance. In such cases, the Company's obligations shall be suspended until the force majeure event ceases to exist.

18. SECURITY

RUPYAFIN endeavours to safeguard and ensure the security of the Customer Information using appropriate measures to protect it from unauthorised access, and follow standards prescribed by applicable law. RUPYAFIN uses appropriately secure encryption for the transmission of Customer Information.

The Customer is responsible for collaborating with RUPYAFIN to ensure the security of their Information. To prevent unauthorized access, the Customer must select strong passwords, combining letters, numbers, and special characters (e.g., !, @, #, $). The Customer should keep their password confidential, avoiding disclosure to anyone or recording it in a manner that could be accessed by a third party. By following these best practices, the Customer can significantly reduce the risk of unauthorized access to their account."

1. The user is solely responsible for keeping their account passwords confidential and secure. As a result, the user bears full responsibility for all activities and actions conducted through their account, and acknowledges that the Company shall not be liable for any damages or losses arising from unauthorized access or use of their account
2. In case, the user shares their password or other related information to any third party, then in case of breach of security, the user will be held responsible.
3. If the user becomes aware of any unauthorized use of their password or account, then the user shall immediately inform about the same to us.

19. CHANGES TO TERMS AND CONDITIONS

HHMA Innovations Bharat Private Limited, reserves the right, in our sole discretion, to modify, alter, or update our platform, including the app and Website, at any time, with or without notice. We also reserve the right to amend or modify these Terms and Conditions, effective immediately, without prior notice. It is your responsibility to regularly review these terms to ensure you are aware of any changes. We will not charge you for our services without your explicit consent.

20. CANCELLATION AND REFUND

All requests for membership cancellation and refunds must be submitted in writing to legal@rupyafin.com or through the platform's email system to the designated Professional. Requests will be reviewed on a case-by-case basis and may be granted only prior to the commencement of services. Once services have commenced, all fees are non-refundable. Furthermore, www.rupyafin.com reserves the right to modify, withdraw, or suspend any Promotions, Offers, Discounts, or Referral Programs at any time, without prior notice or liability. Such changes may be made with or without reason, and we, shall not be obligated to provide justification or compensation for such modifications. By using our platform, you acknowledge and agree to these terms, which supersede all prior agreements and understandings.

21. INDEMNIFICATION

The user acknowledges and agrees to indemnify, save, and hold RUPYAFIN, its Professional (registered with us), associated entities, affiliates, contractors, employees, officers, directors, agents and its third party associates, licensors, and partners harmless from any and all claims, demands, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to your use or misuse of the services or of the platform, any violation by you of these terms, or any breach of the representations, warranties, and covenants made by you herein or for infringement of any intellectual property or other right of any person or entity, or as a result of any threatening, libellous, obscene, harassing or offensive material posted/ transmitted by you on the platform.

The Registered User acknowledges and grants no objection to the Company and /or Professional to perform or place transaction requests for them on the Platform and at their own(user) risk and cos, all or any of the acts, deeds matters and things pertaining to the leads or requests or CRM raised by User. You agree and acknowledges that it shall be the obligation of the Professional and not of the Company/RUPYAFIN/Platform to regularly send the Registered User such communications as required to update the status of the tasks/leads/CRM/requests.

The User agrees and acknowledges that the Company does not provide after-sales service or updates to the products and services delivered, rendered, or provided, including but not limited to interests, leads closure, statements for investments or loan products, withdrawals, part withdrawals, top-up, closure, etc. The User understands and accepts that the Company's obligations cease upon delivery or rendering of the products and services, and the Company shall have no further responsibility or liability whatsoever. By using the Platform, the User confirms their acceptance of these Terms and Conditions.

22. NOTICE

1. RUPYAFIN reserves the right to communicate with the User through various channels, including but not limited to email, SMS, push notifications, regular mail, platform postings, voice calls, or internet-based messaging applications like WhatsApp, using the contact details provided by the User. The User is responsible for ensuring that their contact details are accurate and up-to-date, and must notify the Company in writing in advance of any changes to their email address, mobile number, correspondence address, or any other relevant details. Failure to do so may result in the User missing important notifications and communications from the Company.
2. Any notice or communication required or permitted under these Terms and Conditions must be in writing and sent via email to the specified address, deemed effective upon receipt at legal@rupyafin.com.
3. You shall maintain accurate and complete records of all transactions, communications, and interactions related to the Platform, independent of the Platform itself (e.g., physical copies) and the Company reserves the right to seek copies of such records for their own use including record keeping. You acknowledge and agree that Company shall have the right to retain your information for as long as it deems fit and to be in compliance with applicable provisions of the law.
4. The Company may charge fees for Services and non-payment may result in Service denial or termination, with no liability to the User.

23. LINKS TO THIRD PARTY SITES

The Platform may contain links to third-party websites and resources over which RUPYAFIN has no control or influence. RUPYAFIN does not endorse, approve, or review such sites, and disclaims any liability for their content, accuracy, or availability. By accessing such links, you acknowledge and agree that RUPYAFIN is not responsible for any damages or losses arising from their use, and that you access them at your own risk. The inclusion of any linked site does not imply endorsement by RUPYAFIN of that particular site. Any transactions relating to services not directly offered by RUPYAFIN are to be settled inter-se between the parties and all warranties express or implied of any kind, regarding any matter pertaining thereto, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement are disclaimed by this platform. The Company disclaims all liability for advertisements displayed on the Platform, which are delivered by third-party advertisers. We do not endorse, guarantee, or make any representations regarding the accuracy, completeness, or reliability of such advertisements, and we shall not be responsible for any claims, damages, or losses arising from their content or the products or services advertised therein. Your interaction with such advertisements is at your own risk.

You agree to be bound by additional terms and conditions of third-party service providers offering products and services on the Platform. Third-party products and services are subject to terms and conditions and privacy policies set by their providers. These include how the provider will use your data that you make available to them. The descriptions of third-party products and services that we publish, and any associated links, have been provided to us by the providers. The providers are solely responsible for any representations contained in those descriptions. We don’t endorse or assume any responsibility for third-party products or services. We make no representations and hereby expressly exclude all warranties and liabilities arising out of or pertaining to such third-party services, including their accuracy or completeness. Further, Intellectual property rights in third-party services and products belong to their respective owners, not to us.

24. CALL RECORDING CONSENT

By proceeding with the call, you hereby provide your express consent to the recording of the conversation by the Company's employees, for the purposes explicitly stated in our Terms and Conditions, and you acknowledge that you have been informed of and understand the purposes of such recording. The recorded calls may be used for quality assurance, training, dispute resolution, evaluating, and improving our call quality. They may be reviewed by our supervisors or quality assurance personnel to ensure the best possible service. We may share the recorded calls with third parties in certain circumstances, such as our service providers or legal authorities, to fulfil legal obligations or protect our rights We are committed to protecting your personal information. The recorded calls will be handled in accordance with applicable data protection laws and regulations. We may record, store, share, use, and protect your recorded data as outlined in our privacy policy. The recorded calls will be retained as required under the applicable laws and our internal policies. After this period, the recordings will be securely deleted. In the event of a dispute, the recorded calls may be used as evidence to resolve the issue. Your continued participation in recorded calls will be deemed acceptance of any changes to our terms and conditions, which may be posted on our website or communicated through other channels.

25. SEVERABILITY

The invalidity or unenforceability of any provision of these Terms shall not affect the validity or enforceability of any other provision. If any provision is found to be unlawful or unenforceable, it shall be severed from these Terms to the minimum extent necessary to make it lawful and enforceable, and the remaining provisions shall continue in full force and effect. (unless that would contradict the clear intention of the clause, in which case the entirety of the relevant provision will be deemed to be deleted).

26. GENERAL CLAUSE

1. You are strictly prohibited from licensing, selling, transferring, or assigning any of your rights, obligations, or covenants under these Terms, in whole or in part, without the Company's prior written consent, which may be granted or withheld in the Company's sole and absolute discretion, and subject to such conditions as the Company may deem appropriate. Any attempted transfer or assignment in violation of this provision shall be null and void. Notwithstanding the foregoing, RUPYAFIN may assign its rights to any of its affiliates, subsidiaries, parent companies, or successors in interest of any business associated with the services, without notice to you, and such assignment shall be binding on you.
2. Notices, requests, demands, and determinations to the Company must be sent to legal@rupyafin.com, except for routine operational communications.

• No third party has any enforcement rights under these Terms.

1. By using the platform or services, the User agrees to accurately disclose their business category and/or sub-category, and to keep this information up-to-date and accurate. The User must promptly notify the Company and service provider in writing of any change in usage purpose, which is subject to approval and may involve additional terms and conditions that the User agrees to comply with. By using the Services on the Platform, you consent to provide the Company with necessary KYC Documents and other requested documents, including but not limited to Aadhar card, shops and establishments certificate, utility bills, registrations with tax authorities, memorandum of association, certificate of incorporation, PAN, partnership deed, powers of attorney, and any other documents required by Regulatory Authorities, as and when requested by the Company. This consent is ongoing and applies to all Platform services and transactions. The Company may request additional documentation to comply with laws and regulations.
2. The User consents to the Company sharing their documents, including personal, customer information and tax related information, with service providers, authorities, and professionals, as needed for service delivery, regulatory compliance, and information verification. This consent allows the Company to share such documents to facilitate Services, comply with regulatory requirements, and ensure the accuracy of information provided. By agreeing to these terms, the User acknowledges and accepts that their information may be shared with these entities.
3. The User hereby agrees to comply with all directives, instructions, and requirements issued by RUPYAFIN, Company, professionals, service providers, and regulatory authorities, as and when needed, and acknowledges that failure to do so may result in the imposition of penalties, fines, and other sanctions. The User further acknowledges that these entities reserve the right to reverse payments, suspend or terminate services, and conduct investigations and audits, and that the User shall indemnify and hold harmless the Company against any losses, damages, or expenses arising from their non-compliance. The User shall provide such documentation and evidence as may be required, as and when needed, to resolve any disputes or investigations, and shall reimburse the Company for any fines, penalties, or other amounts levied against it as a result of the User's actions or omissions.

• The Users agree to comply with the Know Your Customer (KYC) rules and regulations set by Regulatory Authorities, as well as anti-money laundering laws, anti-bribery, and anti-corruption laws and regulations adopted by India, the United States of America, the Office of Assets Control (OFAC), the United Kingdom, and the United Nations.
• The User acknowledges and agrees that the Company and online payment gateway service provider are entitled to unilaterally suspend payment services without notice or liability if the User engages in the sale of prohibited or illegal products or fails to comply with applicable laws and regulations. The suspension shall remain in effect until the User has ceased to sell such products and/or has demonstrated full compliance with all relevant laws and regulations, to the Company's sole satisfaction.

27. CONSENT AND AGREEMENT
28. By signing up or otherwise using our services, users hereby consent to provide us with any and all personal, financial, and professional information, as well as any additional data or documentation that we may reasonably require to facilitate the provision of our services. Users acknowledge that this information may include sensitive or confidential data, and hereby agree to provide accurate, complete, and up-to-date information as required. Failure to provide such information or any subsequent withdrawal of consent may result in the suspension or termination of services.
29. By using the Website or App, users agree to use the services lawfully and accept full responsibility for all activities conducted through the platform, indemnifying the Company against any claims, damages, or losses arising from their actions.
30. The Parties (Professional or Third Party Service Provider) are independent contractors and not employees, agents, or partners. Neither Party has the authority to bind the other. This agreement constitutes the entire understanding between the Parties and supersedes all prior negotiations, understandings, and agreements between the Parties. No warranties, representations, or undertakings are made except as expressly stated herein. You shall not have the right to enter into any agreement on behalf of the Company.
31. The Company may assign its rights and obligations to its affiliates or any entity at its sole discretion. The assignee shall be entitled to enforce these Terms. Despite termination, cancellation, or expiration, the surviving provisions shall continue to apply.
32. Unless otherwise expressly provided in the Terms, all costs and expenses, including fees and disbursements of counsel, financial advisors and accountants, incurred in connection with the Terms and the transactions contemplated in the Terms shall be paid by the Party incurring such costs and expenses.
33. The data and information provided on the Platform are for informational purposes only and do not constitute investment advice. Users acknowledge that they are solely responsible for conducting their own research, due diligence, and investment decisions, and that we do not provide personalized investment recommendations or endorse specific investment products. Any investment decisions made by Users are entirely at their own risk, and we disclaim any liability for any resulting losses or damages.
34. We are not a mutual fund or asset management company (AMC) and do not provide investment advice or services. Our Platform merely facilitates access to information and connection with authorized experts. We disclaim all liability for investments made or losses incurred through leads or services provided by professionals or third-party service providers. By using our Platform, you acknowledge and agree to hold us harmless from any claims, damages, or losses arising from your investment decisions. We may try to keep the records till the closure of such leads/ requests/ CRM or interests.
35. The Company does not, and is not obliged to, for any investments or schemes or products or services availed by RUPYAFIN or company. The Company expressly disclaims all representations, warranties, guaranties, and conditions, express or implied, regarding the quality, legitimacy, accuracy, completeness, or fitness for a particular purpose of any investment, product, service, or scheme listed on our Platform. We shall not be liable for any damages, losses, or expenses arising from your reliance on the information or materials contained on our Platform. You acknowledge and agree to hold us harmless from any and all claims, demands, actions, or proceedings arising from your investment decisions. By using our Platform, you acknowledge that you have read, understood, and accepted the terms and conditions of this disclaimer, and that you invest at your own risk for any investment decisions or for the purchase of any products and services including but not limited to mutual funds, bonds, etc. on the Platform.
36. We disclaim all liability for any damages or losses arising from:- Rejection of your instructions by a Professional, Expert, third-party service provider, bank, AMC, RTA, or any other third party; Non-availability or non-accessibility of the Platform; Processing of instructions authenticated by your Professional or third-party service providers. You acknowledge and agree that:- The Professional or third-party service provider may reject any interests, leads, CRM requests, or requests for financial products in their sole discretion, without justification or explanation; We shall not be held responsible for any consequences arising from such rejection or processing of instructions.
37. ENTIRE AGREEMENT

This Agreement represents the entire understanding between you and the Company regarding its subject matter and supersedes all prior or contemporaneous agreements, understandings, or representations, whether written or oral. This Agreement cannot be amended or modified except in writing signed by the Company. No waiver of any provision of this Agreement shall be effective unless in writing and signed by the Company. Any waiver by either Party shall not be deemed a waiver of future breaches or defaults. All rights, remedies, obligations, and agreements contained in this Agreement shall be cumulative and not limiting. By entering into this Agreement, you acknowledge that you have read, understood, and accepted its terms and conditions, and that you are bound by its provisions. This Agreement constitutes the entire agreement between you and the Company, and no other agreements, understandings, or representations shall be binding upon the Parties.

Binding nature of above terms and conditions: By utilizing our platform and clicking 'Continue/I Agree', you acknowledge that you have read, understood, and accepted our Terms of Use and Privacy Policy, and agree to be bound by them. Your click constitutes an electronic signature, equivalent to a handwritten signature, and confirms your entry into a legally binding contract with us.

29. GRIEVANCE REDRESSAL

For any query or issue related to our services, provided in the Terms and Conditions (Terms Of Use) you may contact our Grievance Redressal Officer for resolution:

Grievance Officer :

Name: Pranjali Raut

Office Address : Ekdant Appartment, Near Mount Convent, Chandrapur-442401, Maharashtra, India. (Operational Hours: Mon. to Fri. 10 am to 6 pm)

Email:  legal@rupyafin.com