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Terms and Conditions

Sheeraj Codeworks Private Limited, a company incorporated under the laws of India and having its registered office at 1411, Tower 1, DLF Corporate Greens, SPR Road, Sector 74A, Narsinghpur, Gurgaon, Haryana – 122004, India (the "Company", "we", "us", or "our"), has developed and is the sole owner of a mobile-based personal finance application titled "FAT Money" (the "App", which term includes all future updates, upgrades, and releases).

The Company acts as a "Data Fiduciary" under the Digital Personal Data Protection Act, 2023 and processes personal data in accordance with applicable laws and regulations. Personal data is collected and processed only for lawful purposes, either with your consent or for such legitimate uses as permitted under law.

Prior to or at the time of collection of personal data, the Company will provide clear information regarding the nature of personal data collected, the purpose of processing, the manner in which you may exercise your rights, and the procedure for raising grievances.

By using the Service, you consent to the collection, use, storage, and processing of your personal data as described in these Terms and the Privacy Policy, to the extent permitted under applicable law.

The Company also operates a website at www.thefatmoney.com for the provision of certain services and for marketing and informational purposes. The App and the Website are collectively referred to as the "Platform". The Platform is made available for access and use (whether via a webpage or on mobile devices, as applicable) by end users or data principals (each a "User", "you", or "your") subject to these Terms of Use (the "Terms").

By downloading, installing, accessing, or using the Platform, or by visiting the Website at www.thefatmoney.com, you agree to be bound by these Terms, which constitute a legally binding agreement between You and the Company. If You do not agree to these Terms, You must not access or use the Platform or any services made available thereon.

These Terms constitute a binding contract between You and the Company upon Your access to or use of the Platform. By clicking the "I Agree" button, You confirm that you have read, understood and accepted these Terms and acknowledge that, together with the Privacy Policy, they constitute the entire agreement governing Your use of the Platform.

Your access to and use of the Platform constitutes your representation that you are at least 18 years of age, or have obtained valid parental or legal guardian consent, and that you have the legal capacity and authority to enter into and comply with these Terms.

THE COMPANY IS NOT A LENDER, DOES NOT EXTEND CREDIT AND DOES NOT PROVIDE LOANS OR ANY OTHER CREDIT FACILITIES. THE COMPANY SOLELY OPERATES THE PLATFORM AS A TECHNOLOGY FACILITATOR TO ENABLE: (A) THE RECORDING, ORGANIZATION AND MANAGEMENT OF USERS' PERSONAL FINANCIAL TRANSACTIONS, INCLUDING, WITHOUT LIMITATION, EXPENSES, TRANSFERS AND BILLS, WITH SUCH DATA BEING AUTOMATICALLY PROCESSED AND PRESENTED IN VARIOUS FORMATS FOR THE LIMITED PURPOSE OF ASSISTING USERS IN BUDGETTING AND TRACKING THEIR FINANCES; AND (B) ACCESS TO DELAYED STOCK MARKET DATA BY INTEGRATING WITH ONE OR MORE THIRD-PARTY BROKER ACCOUNTS, SOLELY TO PROVIDE A CONSOLIDATED VIEW OF INVESTMENT PORTFOLIOS AND MARKET-RELATED ANALYTICS.

THE COMPANY DOES NOT PROVIDE INVESTMENT ADVICE, CREDIT ADVICE OR FINANCIAL RECOMMENDATIONS, DOES NOT EXECUTE TRADES AND DOES NOT ASSUME RESPONSIBILITY FOR THE ACCURACY, COMPLETENESS OR TIMELINESS OF DATA SOURCED FROM THIRD-PARTY BROKERS OR MARKET DATA PROVIDERS.

THE COMPANY MAY FACILITATE THE CONSOLIDATION OF PORTFOLIO INFORMATION AND MARKET ANALYTICS THROUGH INTEGRATIONS WITH AUTHORISED THRID-PARTY SERVICE PROVIDERS WHO OPERATE AS INDEPENDENT CONTRACTORS AND ARE NOT EMPLOYEES, AGENTS, OR REPRESENTATIVES OF THE COMPANY. WHILE THE COMPANY REQUIRES SUCH SERVICE PROVIDERS TO COMPLY WITH APPLICABLE LAWS AND THE COMPANY'S POLICIES, THE COMPANY DOES NOT CONTROL THEIR OPERATIONS AND DOES NOT ASSUME RESPONSIBILITY OR LIABILITY FOR THEIR ACTS OR OMISSIONS.

USERS ARE SOLELY RESPONSIBLE FOR EXERCISING DUE DILIGENCE WHEN INTERACTING WITH ANY THIRD-PARTY SERVICE PROVIDER AND MUST PROMPTLY NOTIFY THE COMPANY OF ANY SUSPECTED UNAUTHORISED, FRAUDULENT OR SUSPICIOUS ACTIVITY IN CONNECTION WITH SUCH INTERACTIONS.

1. Ownership and Operation of the Platform
    The Company is the lawful owner and operator of the Platform and provides access to the Platform solely for the purpose of facilitating the provision of the services described herein (the “Services”), subject to and in accordance with these Terms.
2. Status of the Company: No Financial Services
    The Company is a private limited company incorporated under the Companies Act, 2013. The Company acts solely as a technology intermediary and does not itself provide any financial services to Users. Without limitation, the Company is not registered with the Reserve Bank of India, is not a financial institution within the meaning of the Companies Act, 2013 or the Banking Regulation Act, 1949, and is not a deposit-taking company, chit fund, non-banking financial company, or an entity offering or soliciting any investment, credit, or savings schemes under applicable laws in force in India
3. Applicability of the Terms

A. By clicking the "I Agree" button on the Platform, You hereby give Your unconditional consent to:

  • These Terms including the paragraphs at the commencement of these Terms.
  • The "Privacy Policy" available on the Platform and incorporated herein by reference. [Click here] to view the Privacy Policy.
  • Any other notice, disclaimer, policy, or term of use, by whatever name called, which may apply to the use of the Platform from time to time.

B. The Company reserves the right to amend or modify these Terms at any time. Any such amendment shall become effective and binding upon you once the revised Terms are made available on the Platform. If you do not agree to any modification, your sole and exclusive remedy is to discontinue and terminate your use of the Platform, without any liability to the Company. Notwithstanding such termination, these Terms, including any amendments thereto, shall continue to apply to the extent applicable to any Services already availed by you.

4. Services

The Company provides the following services through the Website and/or the App (as the case may be) ("Services"):

A. Facilitation of Accounting Services

The Company facilitates the recording, organisation, and management of Users' personal financial transactions, including, without limitation, expenses, transfers, and bills. Such data is automatically processed and presented in various formats solely to assist Users in budgeting, tracking, and analysing their finances (collectively, the "Accounting Services"). Users acknowledge and agree that the Company acts solely as a technology intermediary that owns and operates the Platform to facilitate the provision of the Accounting Services and does not provide any financial services or act as a financial institution. In connection with the Accounting Services, the Company collects the financial information pertaining to your payment/ financial data, debit cards, credit cards, bank account details, loan account details ("Financial Information") contained in the SMSs/ emails, after obtaining User's consent to access your SMS/ email inbox. The Financial Information is collected by the Company for the purpose of automatic organising of the same for convenient display and usage of the same by the User. The amounts and figures shown in the Accounting Services section are indicative in nature since the same are accessed on "as is where is basis" from the SMSs/ emails and/ or the amounts/ figures which may be inserted by the User.

Please note that (i) the Company merely facilitates this service on a best effort basis and expressly disclaims its responsibility; (ii) does not warrant about accuracy, completeness or adequacy of said information since the Accounting Service is dependent on certain technical aspects/ functionalities which are beyond the control of FAT Money and (iii) You are advised to exercise independent due diligence on the information displayed on the Accounting Services section and/ or seek the advice from your professional advisor/ consultant.

The User expressly acknowledges that the Company does not assume the role of a financial institution, advisor, or fiduciary and functions only as an intermediary facilitating access to the Accounting Services.

B. Facilitation of Trading Services

The FAT Money App is a portfolio aggregation and financial information platform and does not provide stock broking, investment advisory, research, or trade execution services. The Company is not registered with SEBI in any regulated capacity.

The Platform allows Users to link one or more demat and/or trading accounts held with third-party brokers solely to provide a read-only, individual or consolidated view of portfolios, holdings, positions, and historical order information, along with portfolio-level insights and analytics. The Company does not place, execute, modify, or cancel any trades on behalf of Users.

The Platform may display delayed stock prices, market data, portfolio insights, and stock-related news, including news relevant to securities present in the User's portfolio or watchlist. All such information is indicative and provided for informational purposes only and shall not be construed as investment advice, research, or a recommendation to buy, sell, or hold any security.

If You avail any services from the Third Party Service Provider(s) through the Platform, please refer to the privacy policy and any other applicable terms and conditions, of such Third Party Service Provider(s). Your relationship with the Third Party Service Provider (s) is governed solely by such terms executed between You and the Third Party Service Provider(s). In such cases, You are contracting a service directly with Our Third Party Service Provider(s). We accept no responsibility for the provision of trading services or its consequences. We are not liable for any losses that may occur as a result of the acts or omissions of the Third Party Service Provider(s).

5. Account

A. To access and use the Platform, you are required to create and maintain an account with the Company and provide such personal data as may be necessary for the lawful purpose of providing access to the Platform and the Services, including your name, email address, contact number, and any other information required by the Company. You represent and warrant that all personal data provided by you is true, accurate, complete, and up to date.

You are solely responsible for maintaining the confidentiality and security of your account credentials, including your password, and for all activities carried out through your account. You shall take all reasonable steps to prevent unauthorised access to your account, including restricting access to your computer or mobile device. You agree to be responsible for all actions undertaken through your account, whether or not authorised by you.

You must promptly notify the Company upon becoming aware of, or having reason to suspect, any unauthorised access to or misuse of your account or compromise of your credentials. The Company shall not be liable for any loss or damage arising from your failure to comply with these obligations.

B. You are required to ensure that the personal data shared with the Company remains accurate and current and to promptly notify the Company of any changes or updates. You may access, review, and update your information through the account dashboard on the Platform or by contacting the Company at support@thefatmoney.com. In the event you fail to update such information, the Company may rely on the personal data last provided by you for the purposes of providing the Services.

The Company reserves the right to suspend or terminate your account, without prior notice, where it becomes aware of, or has reasonable grounds to believe, that the personal data provided by you is false, inaccurate, misleading, or incomplete, or where such suspension or termination is required to comply with applicable law and appropriate civil and criminal remedies will be sought against You as provided under the laws of India.

Your right to access and use the Platform is personal, limited, revocable, and non-transferable and shall not be assigned or shared with any other person or entity.

6. Use of Artificial Intelligence (AI) systems

In the course of providing certain Services, We may utilize AI systems, tools and technologies to enhance efficiency and optimize processes while ensuring compliance with legal and ethical standards. Our AI systems undergo rigorous testing for safety, transparency, and regulatory compliance before deployment. While We rigorously test and monitor Our AI systems, We do not guarantee the accuracy or appropriateness of every AI-generated output. To ensure transparency, We will always inform when You are interacting with an AI system.

The FAT Money App uses Artificial Intelligence (AI) systems to support features such as expense categorisation, accounting summaries, budgeting support, portfolio-related information, and chat-based assistance. Users may interact with AI only through a chat interface and AI does not independently initiate actions or access User data.

With the User's explicit consent, permitted data such as SMS messages, emails, and financial information are first processed by the App or backend systems. Users may also manually add, edit, or update transactions and create or modify budgets. Only the minimum required extracted or user-provided text is passed to AI systems for the limited purpose of categorising transactions and generating informational responses.

AI-generated outputs, including chat responses and categorisations, are informational and assistive in nature only and do not constitute investment, accounting, tax, or financial advice. The Company does not guarantee the accuracy, completeness, or suitability of AI-assisted outputs and Users remain responsible for reviewing and verifying all information.

We have implemented robust technical and operational measures to prevent bias based on race, religion, gender, or other protected attributes. Additionally, We conduct regular audits to assess algorithmic fairness, accuracy, and compliance with applicable laws.

If You are dissatisfied with an AI-driven interaction or decision, You may file a grievance at the above listed telephone number or email, to request a human review or resolution.

7. Data Principal Rights

Subject to applicable law, you have the right to access, correct, update, complete, and erase your personal data processed by the Company, the right to withdraw consent, the right to grievance redressal and the right to nominate another individual to exercise your rights in accordance with the Digital Personal Data Protection Act, 2023. The manner of exercising these rights is set out in the Privacy Policy.

8. Personal Data of Children

The Platform is not intended to be used by children unless verifiable consent of a parent or lawful guardian has been obtained in accordance with applicable law.

The Company does not knowingly process personal data of children without such verifiable parental or guardian consent. Further, the Company shall not undertake tracking, behavioural monitoring, targeted advertising, or any processing that is likely to cause harm to children.

Where the Company becomes aware that personal data of a child has been collected without valid consent, such data shall be deleted within a reasonable period.

9. Engagement of Data Processors

The Company may engage third-party service providers as data processors for the purpose of processing personal data on its behalf.

All such data processors shall be engaged pursuant to valid written agreements requiring them to:

  • (i) process personal data solely on documented instructions of the Company;
  • (ii) implement reasonable security safeguards to protect personal data;
  • (iii) not retain, use, or disclose personal data for any purpose other than as authorised; and
  • (iv) delete or return personal data upon completion or termination of services, unless retention is required by law.
10. Obligations of the User

(A) Permitted Use:

You shall access and use the Platform solely as an end user, strictly for your lawful, personal, and non-commercial purposes, and in compliance with all applicable laws, including the Digital Personal Data Protection Act, 2023 and allied rules and regulations.

(B) Data Accuracy and Lawful Conduct:

You represent and warrant that any personal data or information provided by you is accurate, complete, and lawful, and that you shall not use the Platform in a manner that results in the unlawful processing, disclosure, or misuse of personal data of any individual.

(C) Security and System Integrity:

You shall not attempt to circumvent, disable, interfere with, or otherwise compromise any security-related features of the Platform, including features that restrict access to or copying of content, enforce usage limitations, or protect personal data and system integrity.

(D) Prohibited Technical Activities:

You shall not:

  • (i) access or use non-public areas of the Platform or the Company's technical delivery systems;
  • (ii) introduce viruses, trojans, malware, bots, or any other harmful code;
  • (iii) scrape, harvest, mine, or otherwise collect user data or personal data without authorisation;
  • (iv) probe, scan, or test the vulnerability of any system, network, security, or authentication measures; or
  • (v) tamper with or attempt to reverse engineer the technological architecture of the Platform.

Any such conduct may result in immediate suspension or termination of your account, reporting to law enforcement authorities, and initiation of legal proceedings.

(E) Prohibited Use and Content:

You shall not use the Platform or the Services for any fraudulent, unlawful, or illegal purpose, including but not limited to fraud, embezzlement, money laundering, or activities that infringe applicable laws. You shall not post, transmit, or make available any content that is unlawful, defamatory, threatening, obscene, pornographic, profane, misleading, or otherwise capable of giving rise to civil or criminal liability.

While the Company may monitor certain interactive features, it has no obligation to do so and assumes no liability for user-generated content. The Company shall cooperate with lawful requests from courts or law enforcement authorities in accordance with applicable law.

(F) Third-Party Content and Services:

Except for the Services expressly provided by the Company, the Company does not control, endorse, or assume responsibility for any third-party information, products, or services made available through or advertised on the Platform.

(G) Account Security and Authorised Use:

You shall not permit any unauthorised access to or use of the Platform or your account and shall take all reasonable measures to safeguard your credentials and personal data.

(H) Standard of Conduct:

You agree to use the Platform responsibly, prudently and in a manner consistent with the conduct of a reasonable and law-abiding user.

(I) Application Updates and Compatibility:

You are responsible for ensuring that the App is updated to the latest version released by the Company. Failure to do so may result in limited or restricted access to the Services. You are also responsible for ensuring compatibility of the App with your devices and linked bank accounts.

(J) Limited Licence:

The Company grants you a limited, revocable, non-exclusive, non-transferable licence to access and use the Platform solely for availing the Services. You shall not copy, modify, distribute, reverse engineer, commercially exploit, or otherwise misuse any portion of the Platform, including proprietary content, trademarks, or software. Any unauthorised use shall result in immediate termination of the licence.

(K) Infrastructure and Availability:

The Company shall not be responsible for delays, interruptions, or failures in performance arising from infrastructure limitations, including server uptime, network availability, or connectivity issues.

(L) Regulatory Changes:

You acknowledge that laws governing technology and digital platforms are subject to change. The Company may modify or discontinue any part of the Platform or Services to comply with applicable law, and the Company shall not be liable where such changes affect your ability to access or use the Platform.

(M) No Harm to Company:

You shall not engage in any act or omission that causes or is likely to cause loss, damage, or liability to the Company, including regulatory, reputational, or financial harm.

11. Consideration and Payment Terms

At present, the Company does not charge any fee from the Users for provision of Services via the Platform. Notwithstanding the foregoing and subject to applicable laws, the Company retains the right to charge such subscription fees for provision of Services, as it may deem necessary in its sole discretion from time to time. The Company shall provide You with a notice at least thirty (30) days below implementing such subscription fee.

12. Termination and Suspension

A. Notwithstanding anything contained in these Terms, any other agreement, or any communication between you and the Company, the Company reserves the right, at its sole discretion, to suspend or terminate your access to the Platform, or discontinue any or all Services (in whole or in part), at any time, with or without prior notice and without assigning any reason, and without incurring any liability to you.

B. Without prejudice to the foregoing:

  • The Company reserves the right to terminate these Terms without notice to You and without liability to Us on becoming aware that You have violated these Terms or any other guidelines and rules published in respect of the Platform.
  • Company may block, restrict, disable, suspend or terminate Your access to all or part of the Platform at any time in Company's discretion, without prior notice to You or liability to Us.
13. Other Disclaimers

A. To the maximum extent permitted under applicable law, the Company, together with its third-party partners, expressly disclaim all warranties of any kind, whether statutory, express, or implied, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

B. No advice, information, or content, whether oral or written, obtained by you through the Platform or otherwise in connection with the Services shall be deemed to create any representation or warranty not expressly set forth in these Terms.

C. You expressly acknowledge and agree that your access to and use of the Platform is at your sole risk. The Platform, and any data, information, content, third-party software, reference sites, or services made available on or through the Platform, are provided on an "as is," "as available," and "with all faults" basis, without any warranties or representations of any kind, whether express, implied, or statutory.

D. To the fullest extent permitted under applicable law, the Company, together with its third-party partners, does not warrant that the Platform or any content, data, or functionality made available thereon will be uninterrupted, timely, secure, accurate, or error-free, or that the Platform will be free from viruses or other harmful components, or that any defects will be corrected.

E. You acknowledge and agree that any access to, download, or use of information, materials, or data made available through the Platform is undertaken at your sole discretion and risk, and that you are solely responsible for any damage to your property, including your computer systems or devices, or any loss of data resulting therefrom.

F. Any information, communication, promotion, or offer made available to you through the Platform in relation to products or services provided by third parties is for informational purposes only and shall not be construed as, or deemed to constitute, any endorsement, approval, recommendation, or warranty by the Company of such third-party products or services.

G. You acknowledge and agree that you have entered into these Terms in reliance upon the risk allocation, disclaimers, and limitations of liability set forth herein, which constitute a reasonable and equitable allocation of risk between you and the Company and form an essential basis of the contractual arrangement. You further acknowledge that the Company would not be able to make the Platform available on commercially reasonable terms without such limitations.

Notwithstanding the foregoing, nothing in these Terms shall be construed as limiting or excluding the Company's obligations under the Digital Personal Data Protection Act, 2023, including its obligation to implement reasonable security safeguards to protect personal data processed in connection with the Platform.

14. Data Breach Notification

In the event of a personal data breach, the Company shall take reasonable and prompt measures to contain, mitigate, and remediate such breach.

Where required under applicable law, the Company shall notify the Data Protection Board of India and the affected Data Principals of such personal data breach, in the manner and within the timelines prescribed under the Digital Personal Data Protection Act, 2023 and rules framed thereunder.

15. Cross Border Data Transfer

The Company may process or store personal data outside the territory of India only in such countries or territories as may be permitted by the Central Government under applicable law.

Any such cross-border transfer shall be subject to reasonable safeguards to ensure protection of personal data in accordance with the Digital Personal Data Protection Act, 2023 and the Company's internal data protection policies.

16. Intellectual Property

The Company and, where applicable, its licensors are the sole and exclusive owners of all rights, title, and interest in and to the Platform, including, without limitation, the concept and underlying idea of the Platform, all content, software, designs, trademarks, logos, trade names, and other proprietary materials made available on or in connection with the Platform (collectively, the "Intellectual Property"). Such Intellectual Property is protected under applicable patent, copyright, trademark, trade secret, and other intellectual property laws of India and other jurisdictions.

Subject to your compliance with these Terms, the Company grants you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable licence to access and use the Platform and its features solely for your lawful, personal, and non-commercial purposes. You shall not copy, reproduce, distribute, modify, create derivative works from, display, publish, transmit, or commercially exploit any part of the Platform or the Intellectual Property, directly or indirectly, without the Company's prior written consent.

Any unauthorised use, copying, or exploitation of the Platform or its Intellectual Property shall result in immediate termination of these Terms, without prejudice to the Company's other rights and remedies available under applicable law, including civil and criminal remedies.

17. Consents

A. You hereby expressly provide free, specific, informed, unconditional and unambiguous consent to the processing of Your personal data (including name, contact details, financial information and transaction details) solely for the purposes outlined herein. Consent is given through your clear affirmative action, such as clicking 'I Agree' – we do not accept implied consent from silence, pre-ticked boxes or inactivity. You may withdraw consent at any time via the 'Manage Consent' dashboard in your account settings, using a process as simple as granting it.

B. You hereby acknowledge that You consent to and authorise the Company, as a data fiduciary, to collect, access, retrieve, verify, and process such information relating to you as is necessary for the lawful purposes of providing access to the Platform and the Services, including your personal data and, where applicable, your financial information. Such processing may be carried out directly through the Platform or through authorised third-party service providers engaged by the Company, acting as data processors.

C. The Company shall retain personal data only for so long as is necessary to fulfil the purposes for which it was collected, or as required under applicable law, after which such data shall be erased or anonymised.

D. Certain processing activities may be undertaken without consent where permitted as "legitimate uses" under Section 7 of the Digital Personal Data Protection Act, 2023 including for compliance with law, fraud prevention, security purposes, or provision of requested services.

E. The Company shall collect and process such information solely for specified, explicit, and lawful purposes, in a manner that is limited to what is necessary for such purposes, and in accordance with applicable law, including the Digital Personal Data Protection Act, 2023, and the Company's Privacy Policy. The Company shall require its authorised service providers to process personal data in accordance with applicable data protection laws and the Company's instructions. Any processing of personal data for a purpose not originally disclosed shall be undertaken only after obtaining fresh consent from the Data Principal, unless such processing is permitted under applicable law.

F. You acknowledge that you may withdraw your consent in accordance with the Privacy Policy and applicable law, subject to the consequences of such withdrawal on the availability of the Services. Upon withdrawal: (i) we will cease processing and erase your data (except where retention is required by law); (ii) notify any data processor to stop; (iii) process withdrawal requests within 72 hours. Access the withdrawal tool at [dashboard link].

G. The Company may send service-related and administrative communications necessary for the operation of the Platform. Marketing or promotional communications shall be sent only where the User has provided explicit consent, and Users shall have the right to opt out of such communications at any time through the unsubscribe mechanism provided or by updating their preferences on the Platform. Withdrawal of marketing consent shall not affect the provision of core Services.

18. Limitation of Liability

A. To the maximum extent permitted under applicable law, the Company, its officers, directors, employees, and its contractors, agents, licensors, partners, service providers, and suppliers shall not be liable to you for any direct, indirect, incidental, special, consequential, punitive, exemplary, or reliance-based damages, including, without limitation, loss of business opportunities, loss of revenues, loss of anticipated profits, loss of data, or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever, whether foreseeable or unforeseeable, even if the Company or its authorised representatives have been advised of the possibility of such damages, arising out of or in connection with:

  • (i) these Terms or any amendments thereto;
  • (ii) the Platform or any Services made available thereon;
  • (iii) your access to, use of, or inability to access or use the Platform;
  • (iv) any failure to avail or obtain any product or service;
  • (v) any agreements, arrangements, or transactions entered into with the Company's partners; or
  • (vi) any interactions or communications with other users in connection with the Platform.

B. The Company does not make any representations or warranties, whether express or implied, on behalf of any third parties with whom it has partnered for the provision of services through the Platform. The Company's responsibility is limited solely to facilitating access to the Platform and enabling the provision of such services. All rights, obligations, liabilities, and responsibilities arising in relation to any services provided by third parties through the Platform shall be governed exclusively by the separate agreement or arrangement entered into between you and the relevant third party, and the Company shall not be liable for the acts, omissions, or performance of such third parties, except to the extent required under applicable law.

19. Indemnity

You hereby agree to defend, indemnify and hold harmless the Company, its affiliates, officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) Your use of the Platform; (ii) Your violation of any term of these Terms; or (iii) Your violation of any third party rights, including without limitation any copyright, property, or privacy right. This indemnification obligation shall survive these Terms and use of the Platform.

20. Governing Law and Arbitration

A. These Terms shall be governed by and construed in accordance with the laws of the Republic of India, including the Digital Personal Data Protection Act, 2023, and the rules and regulations framed thereunder, without regard to conflict of laws principles.

B. The Platform is operated and controlled by the Company from its facilities located in India. By accessing or using the Platform, you acknowledge and agree that the processing of your personal data shall be governed by applicable Indian laws, including the Digital Personal Data Protection Act, 2023. The Company does not represent or warrant that the Platform, or the services made available through it, are appropriate or available for use in jurisdictions outside India. If you access the Platform from outside India, you do so on your own initiative and at your own risk and you shall be solely responsible for compliance with applicable local laws, to the extent they apply to You.

C. Subject to applicable data protection and consumer protection laws, any dispute, claim, or proceeding arising out of or in connection with these Terms, including any matters relating to the processing of personal data, shall be subject to the exclusive jurisdiction of the competent courts in Gurugram, Haryana, India.

21. Miscellaneous

A. Notices: Any notice required to be given to Company under these Terms shall be sent by registered email or recognized courier to the address first set out above.

B. Force Majeure: If the whole or any part of the performance of the respective obligations of the parties hereunder is prevented or delayed by reasons of natural calamities, war, arson, civil disturbance and such other reasons beyond the reasonable control of a person (each a "Force Majeure Event"), then to the extent either party shall be prevented or delayed from performing all or any part of their respective obligations under these Terms despite due diligence and reasonable efforts to do so, then such party shall be excused from performance hereunder for so long as reasons of Force Majeure Event continue. A Force Majeure Event shall not affect the payment obligations of the parties unless there is legal bar / embargo to the making of the payments.

C. Severability: Notwithstanding that the whole or any part of any provision of these Terms may prove to be illegal or unenforceable, the other provisions of these Terms and the remainder of the provision in question shall continue in full force and effect.

D. No Waiver or Election: No failure or delay in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof or the exercise of any other right, power or privilege. Every right or remedy herein conferred upon or reserved to either party shall be cumulative and shall be in addition to every right and remedy existing at law or equity or by statute and the pursuit of any one right or remedy shall not be construed as an election.

E. Assignment: The right to use the Platform is personal to You and is not transferable by assignment, sublicense, or any other method to any other person or entity.

F. Statutory Rights Preserved: Nothing contained in these Terms shall be construed to limit, waive, or override any rights of a Data Principal or obligations of the Company under the Digital Personal Data Protection Act, 2023 or any other applicable law. In the event of any inconsistency, the provisions of applicable law shall prevail.

22. Grievance Redressal Mechanism

The Company aims to provide the best customer service through its Platform. We value customer-relationship and strive to offer an efficient and robust grievance redressal mechanism.

Grievance Redressal for the Services availed by the User through the Platform

Level 1:

You can reach Us for any query/complaint through any of the channels from Monday to Saturdays except on mandatory holidays:

  • Telephone: 8595910946 (Timings: Monday to Friday - 10 am to 5:30 pm - Excluding public holidays)
  • Email: support@thefatmoney.com (We generally respond within 24-48 hours.)

Level 2:

If the Complaint/Grievance is not redressed by the Customer Service Centre within 7 working days, the customer shall approach the Grievance Redressal Officer (GRO) of the Company at below details: