Terms & Conditions

These Terms and Conditions ("Terms") govern your access to and use of the website, mobile application, and online platforms (collectively, the "Website" or "Services") operated by Grace Global Fintech Private Limited ("Company," "we," "us," or "our"), a company incorporated under the laws of India with CIN: U82990AS2026PTC030212.

By accessing or using our Website, you ("User," "you," or "your") agree to be bound by these Terms. If you do not agree, please do not access or use the Website.

1. Acceptance of Terms

Your use of the Website constitutes your acceptance of these Terms and our Privacy Policy and Cookie Policy, which are incorporated by reference. We may update these Terms at any time. Continued use after changes constitutes acceptance of the revised Terms.

2. Eligibility

You must be at least 18 years of age and a resident of India. By using the Website, you represent and warrant that you meet these criteria and have the legal capacity to enter into these Terms.

3. User Accounts

• To access certain features, you may need to create an account by providing accurate and complete information.
• You are solely responsible for maintaining the confidentiality of your login credentials and for all activities under your account.
• Notify us immediately of any suspected unauthorized access.
• We reserve the right to suspend or terminate accounts for violations of these Terms or for regulatory compliance.

4. License to Use the Website

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal and lawful purposes only, subject to these Terms.

5. Prohibited Conduct

You agree not to:

• Use the Website for any unlawful, fraudulent, or harmful purpose.
• Copy, modify, distribute, or create derivative works of any part of the Website without prior written consent.
• Attempt to gain unauthorized access to any portion of the Website or its systems.
• Introduce viruses, malware, or other harmful code.
• Interfere with the proper functioning of the Website or impose an unreasonable load on our infrastructure.
• Harvest or collect data from the Website without authorization.
• Violate any applicable laws, including the Information Technology Act, 2000, and Digital Personal Data Protection Act, 2023.

6. Intellectual Property Rights

All content, logos, trademarks, software, designs, graphics, and materials on the Website are the exclusive property of the Company or its licensors and are protected by Indian and international intellectual property laws.

You may not use any of our intellectual property without our express prior written permission.

7. User Content

• You retain ownership of any content you submit or upload ("User Content").
• By submitting User Content, you grant us a worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, and display it as necessary to provide and improve the Services.
• You represent that your User Content does not infringe any third-party rights and complies with all applicable laws.

8. Third-Party Links and Services

The Website may contain links to third-party websites or services. We are not responsible for their content, privacy practices, or availability. Your use of such third-party services is at your own risk and subject to their terms.

9. Disclaimers

The Website and its content are provided on an "as is" and "as available" basis without warranties of any kind. We do not warrant that:

• The Website will be uninterrupted, secure, or error-free.
• Information on the Website is accurate, complete, or up-to-date.
• The Website meets your specific requirements.

Any financial or investment-related information on the Website is for informational purposes only and does not constitute financial, legal, or professional advice.

10. Limitation of Liability

To the fullest extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Website.

Our total liability shall not exceed the amount paid by you (if any) for the use of the Website in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless the Company, its directors, officers, employees, and affiliates from any claims, damages, liabilities, and expenses (including legal fees) arising from:

• Your use or misuse of the Website.
• Your violation of these Terms.
• Your User Content.

12. Termination

We may terminate or suspend your access to the Website at any time, with or without notice, for any reason, including breach of these Terms.

Upon termination, all rights granted to you under these Terms will cease immediately.

13. Governing Law and Jurisdiction

These Terms shall be governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Assam, India.

14. Grievance Redressal

For any complaints or grievances regarding the Website, please contact our Grievance Officer:

We will address your grievance within the timelines prescribed under applicable law (typically one month).

15. Miscellaneous

• Severability: If any provision is held invalid, the remainder of the Terms shall continue in full force.
• Waiver: No waiver of any breach shall constitute a waiver of any other breach.
• Assignment: You may not assign these Terms. We may assign them without restriction.
• Force Majeure: We are not liable for delays caused by events beyond our reasonable control.
• Entire Agreement: These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and us regarding the Website.

By accessing or using our Website, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions.

Grace Global Fintech Private Limited — All Rights Reserved.