This is the document that outlines the terms and conditions that govern the use of the Rupeeco platform through the Web Portal, which is located at “https://Rupeeco.com“, and the Mobile Application Rupeeco. The Platform includes any other sub-domain or platform that is developed, managed, owned, or operated by RDS Fintech LLP or its affiliates, or partners.

By accessing Rupeeco and any of its pages, you are agreeing to these Terms and Conditions.

Interpretation

The terms “him,” “his,” “You,” “Your,” “Client,” “User,” “Investor,” “I,” “Subscriber,” and “Customer” refer to individuals who use and access the Services and Products of Rupeeco portal and mobile app.

By downloading our app or using our portal service, you and Rupeeco enter into a binding agreement. It’s important to read these terms and conditions fully as they contain crucial information about the services that we offer for your protection. If you do not agree to the terms, cease the usage of the website and mobile app immediately.

This agreement may be read in conjunction with our privacy policy or other relevant documents that apply to specific account or transaction.

Mention of ordinance, statute or law including all regulations and amendments that are currently in effect.

In addition to any other requirements stated in this agreement, you agree that you are over 18 years of age or obtained a guardian’s consent to use our site. Furthermore, you agree that you are physically and mentally competent to use the services.

Description of App & Web Portal

Finfortune offers an online marketplace through its product Rupeeco, an option to select a financial product after comparing its various parameters with its competitors. To show the most relevant plan, the company might ask a series of questions, using which our advanced algorithms show some relevant results. While our platform offers advisory services, it has not undertaken any regulatory, legal, tax, or accounting analysis relating to the suitability of the products chosen by you.

You are free to choose the product that you wish to buy regardless of the advisory provided to us. Rupeeco merely acts as a facilitator between the end user and the financial institution. The company would not be liable for any non execution of orders or any incorrect execution of orders about the scheme chosen by you due to, but not limited to, system failure, or failure at third-party service providers. It is recommended that you seek appropriate professional advice, especially when it comes to investing before investing.

Rupeeco will maintain a record of your information regarding the services you have or plan to avail of through the Platform. To keep the information up-to-date, Rupeeco utilizes API from respective insurers, fund houses, banks, and NBFCs to get updated details. Rupeeco will not be responsible for any incorrect information on the Platform as we are merely updating the details through API. To confirm the validity of any information, we request you to verify with the concerned financial institution.

Rupeeco leverages third-party service provider’s application programming interfaces and portals to enable mutual fund transactions. The status of transactions, and KYC portfolio is maintained by Rupeeco, based on the data provided by third-party service providers.

Usage of Site and App

To access and use the services provided by Rupeeco, the user must complete the KYC, investment readiness, and information verification process, and provide accurate information as per guidelines of Banks, SEBI, AMCs, IRDA and other regulatory agencies.

Rupeeco might process some of the personal information to third parties such as AMCs, RTAs, Banks, and statutory bodies as and when required to provide the services. If the user does not agree to these terms, they should not sign up or access Rupeeco.

To access the services, the User will need to use the Rupeeco user ID and password provided by the company. The User acknowledges that they are solely responsible for safeguarding the confidentiality of their user ID and password, and any disclosure thereof will be entirely at their risk.

You are prohibited from using the website/app for commercial use and must comply with all the laws.

You agree not to tamper with any security-related feature of the app or features that affect our services such as blocking contents etc.

We do not endorse or control any third-party information or products even if they are displayed on the site. You agree that you will use the services reasonably and lawfully.

Rupeeco will not be held responsible for any transaction failure or delay arising from infrastructure issues. You may not initiate any action that results in Rupeeco suffering a loss.

It is mandatory to inform us about any significant changes to your profile as your experience depends on the information that you provide to us. Rupeeco does not accept responsibility or liability for the authenticity of the figures calculated using the calculator provided. Although we obtain information from reliable sources, Rupeeco is not responsible for any error or inaccuracy that may cause a loss.

We have the sole discretion and authority to decline a customer’s request to open an account or freeze an account on the direction of government authorities. We may or may not disclose the reason for such circumstances.

The calculators/tools/eligibility calculators are designed to assist in determining the appropriate amount; they are not absolute amount.

The user allows authorizing Rupeeco to share their signature available on the records of the KYC registration agency or CKYC with the respective authority.

All the decisions taken in our platform are performed at the sole discretion of the user him/her and all decisions will be executed as per the directions of the user.

KYC Information

User authorizes Rupeeco to utilize their KYC information, which they have submitted for validation of legal and regulatory purposes. The user shall inform us immediately about any changes in KYC information, Investment information or change in signature/signatories. We reserve the right to reject any KYC request in the event of insufficient information or any discrepancy.

By signing this agreement, the user permits Rupeeco to share their signature from the records of the KYC Registration Agency.

The User hereby declares that all amount invested for investment schemes through our platform must be through their account that is legitimate and the said investments do not contravene an act, regulations of IT act, anti-money laundering act, anti-corruption laws or such applicable laws.

The user acknowledges that any investment made through a third party may be rejected by AMC. In case KYC is incomplete or not satisfactory to Rupeeco/AMC to redeem the funds invested in the scheme at prevailing NAV on the date of redemption at their sole discretion.

User agrees to hold harmless and indemnify AMC/Mutual Fund for any damage, regulatory action or liability resulting from sharing, or transfer of information as mentioned above. The user agrees that the investment advisor has an agreement with AMC to accept transaction feeds and further acknowledges if this agreement is terminated for any reason, the User will submit transactions directly to the AMC/Mutual Fund through other permitted modes of transactions.

Links to Third parties

The App/Website may contain links to other services for payments, information, transaction processing and other appropriate services. However, it should not be inferred that Rupeeco controls any of these websites. Whenever you click on these links you will get redirected to third-party sites, and you are then governed by the terms and conditions of that particular site. You agree that Rupeeco is not responsible for the authenticity or transparency of any content posted in that third-party site.

Use of information and materials

Rupeeco disclaims any obligation to update or correct or provide accuracy in information/content contained in any of the sections under the Rupeeco website located at www.rupeeco.com , whether arising as a result of financial, business, or any other developments. The information in any or all of the sections of this website is updated by Rupeeco on a periodic basis and is uploaded on a particular date, which may not be the current / latest date. Hence this information may not be an accurate representation of the actual filings, press releases, earnings releases, financials, industry news, stock quotes, etc.

Products and Services referred to on this Website are offered only in India. The materials on these pages are not intended for use by persons located in, or resident in other countries. Rupeeco a part of RDS Fintech LLP retains the absolute right to determine eligibility for subscription to any of the Services.

By agreeing to the Terms & Conditions, you authorize Rupeeco a part of RDS Fintech LLP & its representatives & agents to provide information about various products, offers, and services provided by Rupeeco through any mode including telephone calls, SMS, letters, etc. You confirm that laws in relation to unsolicited communication referred in the “National Do Not Call Registry” as laid down by the “Telecom Regulatory Authority of India” will not be applicable for such information/ communication.

The information contained in these pages is not intended to provide professional advice. Persons accessing these pages should obtain appropriate professional advice when necessary. Our trademarks and copyright.

Promotional calls and messages to customers will be sent through a third party platform.

The content and information contained within our website or delivered to you in connection with your use of our website is the property of Rupeeco and any other third party (where applicable).

The trademark, trade names and logo (the "Trade Marks") that are used and displayed on our website include registered and unregistered Trade Marks of us and other third parties. Nothing on our website should be construed as granting any license or right to use any Trade Marks displayed on our website.

We retain all proprietary rights on our website. Users are prohibited from using the same without written permission of Rupeeco of such or such other parties.

The materials on this website are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the prior written consent of Rupeeco a part of RDS Fintech LLP.

No warranties

Whilst every care has been taken in preparing the information materials contained in this site, such information and materials are provided "as is" without warranty of any kind, either express or implied.

In particular, no warranty regarding non-infringement, security, accuracy, fitness for a purpose or freedom from computer viruses is given in connection with such information and materials.

E-mail

E-mail messages sent to Rupeeco over the Internet cannot be guaranteed to be completely secure. Rupeeco is not responsible for any damages incurred by users if they send a message to a person, or we send a message to them at their request, over the Internet.

Rupeeco is not responsible in any way for direct, indirect, special, or consequential damages arising out of the use of this Website.

Transmitting over the Internet

Due to the nature of the Internet transactions may be subject to interruption, transmission blackout, delayed transmission, and incorrect data transmission. Rupeeco is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send.

Downloading

We do not represent or warrant that the Site will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system.

You have sole responsibility for adequate protection and backup of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality, or performance of any third party software that may be used in connection with the Site.

Modification

Rupeeco a part of RDS Fintech LLP reserves the right to delete, modify, change or discontinue any or all of the information on this website without giving notice to any user, individual, group of individuals, institutions, and any such governing bodies.

Password Protection

We give you a unique user name and two passwords one for just Browsing and one solely for transaction purposes. When you place an order, we ask you for the transaction password which authenticates your identity from our highly secured database.

This means we force you to change your password every month to ensure high security for all your transactions. You can also change your password online at any time.

In addition, you can use the Log Off button located throughout the site to securely exit your account without closing your browser.

Internet Scanners and Intrusion Detection System

The system maintains a database of attack signatures which is continuously updated and against which it will scan all incoming traffic to detect any malicious activity or hacking attempts into the site.

In the event of a possible attack, it will terminate that session, log the attack details and also alert the administrator.

I hereby authorize representatives and employees of Rupeeco a part of RDS Fintech LLP to receive calls, SMS, Email, and additional forms of communication with reference to products and promotions.

NOTE:

Important Points to consider before applying for a Personal Loan:

• Loan Amount: Minimum 1,000 to Maximum 50 Lakhs
• Repayment Tenure: Minimum 3 Months to Maximum 60 Months
• Rate of Interest / Annual Percentage Rate (APR): Minimum 10.5% to Maximum 30%
• Processing Fees: Rs. 500 to Rs 2.5% of the Loan Amount

Example:

Personal loan of Rs. 5 lakhs at an interest rate of 10.5% for tenure of 5 years, the EMI will be Rs. 10,747. The total payout here would be:

• Principal Amount: Rs 5,00,000
• Interest Charges (@10.5%): Rs 1,44,817
• Loan Processing Fees (@2.5%): Rs 12,500
• Documentation charges: Rs 500
• Amortization Schedule charges: Rs 200
• Total Amount paid after 5 Years: Rs 6,58,017

*Interest rate and processing fees vary as per your product depending on the lender's policy.

IMPORTANT: By accessing this Web Site and any of its pages you are agreeing to the terms set out above.

Confidentiality

After this agreement is terminated, you are obligated to maintain confidentiality of any information disclosed to you by Rupeeco.

You also agree to protect Rupeeco’s Proprietary Information using the same level of care and procedure.

You agree not to disclose or use any information provided in this service for any unauthorized, illegal or commercial purposes for third-party discussions.

You agree to use the information provided solely for personal purposes.

You are not authorized to republish, recompile, modify, distribute, transmit or create derivative works from resources accessed here.

You acknowledge such acts may result in civil or criminal penalties.

Termination/Suspension of services

You acknowledge that Rupeeco holds the right to suspend or terminate your account or use of the app and website without any notice, without any penalty, at its sole discretion.

We may also block, restrict, and terminate some parts of your website.

You understand that Rupeeco will not be liable to you or any third party for such termination or interruption of services.

Any suspected activities may be reported to concerned law enforcement authorities.

You may also voluntarily request termination of your services.

Limitation of Liability

Rupeeco, its contractors, agents, and licensors, will not be liable to you for any special, indirect, punitive, consequential, or exemplary damages (lost opportunities, losses in investment products, loss of anticipated profits)

Furthermore, Rupeeco, its directors, employees, and agents will not be liable to you or any third party for any damages, liabilities, losses, and causes of action arising out of or related to

• (i) this Agreement;
• (ii) Your use of platform from website and mobile app;
• (iii) Other interactions with Rupeeco; or
• (iv) Action caused by AMC, RTA, or any other third party, regardless of the cause

You acknowledge that Rupeeco is providing services with provisions that represent an equitable distribution of risk between you and Rupeeco.

Without these limitations, Rupeeco would not be able to provide services in an economically feasible manner.

Indemnification

You shall be responsible for defending, indemnifying, and holding harmless Rupeeco, and its subsidiaries, affiliates, partners, and sister concerns from any claims, losses, damages, liabilities, expenses, and costs including legal fees arising from or related to

• 1. Your use of services, apps or website
• 2. Violation of applicable laws
• 3. Breach of representations, warranties
• 4. Act of negligence or fraud committed by you
• 5. Disclosure of information

Rupeeco reserves the right at its own expense to assume the exclusive defence and control of any matter subject to indemnification by you.

You agree to cooperate with Rupeeco’s defence of such claims.

Rupeeco will make reasonable efforts to notify you of any claim, action, or proceedings that are subject to the foregoing indemnification.

Dispute Resolution

In the event of any dispute or controversy arising under this agreement, both the concerned parties would try to resolve it between them amicably.

If they are unable to do so within 30 days, we may choose to settle the matter through arbitration under the Indian Arbitration & Conciliation Act, 1996.

The arbitration will be conducted on an individual basis at Mumbai, and the proceedings will be conducted in English Language.

All the expenses involved in arbitration will be shared between the two parties equally.

Court

Except for dispute resolution as mentioned above, you hereby agree that any claims or disputes with Finfortune must be resolved by a court that has jurisdiction in Mumbai.

By using our app/services/website, you consent to the personal jurisdiction of courts located within Mumbai.

Survival

In the event this agreement is terminated, any provisions that are required to survive due to their nature or express terms will continue to remain in effect regardless of any transfers that occurred before termination.

Force Majeure

If either party’s ability to perform their obligations under this agreement is impeded or delayed by events beyond their reasonable control such as disasters, war, civil unrest, unavailability of communications such as internet, or hacking, the affected party might be excused from performing such obligations for as long as the Force Majeure Event persists.However, the payment obligations will continue to exist.