These terms and conditions of Use (hereinafter referred as “Terms of Usage”) describe and govern the User’s use of the content and services through www.finansoo.com here in after referred as “We” “FinanSoo” “us” “our” “finansoo application” “Website” “App”.
UPDATION
The Website may update/amend/modify these Terms of Usage from time to time. The User is responsible to check the Terms of Usage periodically to remain in compliance with these terms
USER CONSENT
By accessing the Website and using it, you (“Member”, “You”, “Your”) indicate that you understand the terms and unconditionally & expressly consent to the Terms of Usage of this Website. If you do not agree with the Terms of Usage, please do not click on the “I AGREE” button. The User is advised to read the Terms of Usage carefully before using or registering on the Website/App or accessing any material, information or services through the finansoo application & website. Your use and continued usage of the Website or App (irrespective of the amendments made from time to time) shall signify your acceptance of the terms of usage and your agreement to be legally bound by the same.
GENERAL DESCRIPTION
The Website is an internet-based portal having its existence on World Wide Web, Application and other electronic medium and provides financial content, reports, data, telephone, video and email consultations (hereinafter referred as “Content”). The Website is offering “Paid Services” (Collectively referred as “Services”). for accessing the personalised astrological services and/or receive additional Content and get access to Paid Services, You are required to register as a member on the portal. By registering for Paid Services, a Member agrees to:
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To provide current, complete, and accurate information about himself as prompted to do so by the Website.
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To maintain and update the above information as required and submitted by you with the view to maintain the accuracy of the information being current and complete.
REGISTRATION AND ELIGIBILITY
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The Website would not be held responsible for any misuse that may occur by virtue of any person including a minor using the services provided through the App/Website.
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For the User to avail the services, the User will be directed to Register on the App whereby You (User) agree to provide update, current and accurate information while filling up the sign-in form. All information that you fill and provide to the Website and all updates thereto are referred to in these Terms of Usage as "Registration Data."
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An account could be created by you through the App ID (Your Phone Number) and password (OTP) or other log - in ID and password which can include a gmail or any other valid email ID. The User while creating an account hereby represents and warrants that all the information provided by the User is current, accurate and complete and that the User will maintain the accuracy and keep the information updated from time to time. Use of another User’s account information for availing the services is expressly prohibited. If in case it is found that the information so supplied on the Website is inaccurate, incomplete, untrue and not current, the Website has the right to suspend or terminate the User’s account and restrict/refuse the use of the Website by such User in future.
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The right to use this App/Website is personal to the User and is not transferable to any other person or entity. The User would be responsible for protecting the confidentiality of User’s passwords and other information required for the purposes of registration. The User would be fully responsible for all the activities that occur under the User’s account with the Website. The App/Website cannot and will not be liable for any loss or damage arising from the User’s failure to maintain secrecy and confidentiality. The User shall notify the App/Website immediately if they become aware of any unauthorized use of their Account(s) or breach of any security. The User must log out from its account at the end of the session.
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The User while availing any service shall be informed whether the service so rendered is personal to the Website or is available from a Third party. The App/Website shall have no control or monitoring on the information disseminated to any third party via the Website.
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o The User agrees, understands and confirms that his/ her personal data including without limitation to details relating to debit card/ credit card transmitted over the Internet may be susceptible to misuse, hacking, theft and/ or fraud and that the Website or the Payment Service Provider(s) have no control over such matters.
- The Website does not permit the use of the Services by any User under the following conditions: -
- o If the User is a resident of any jurisdiction that may prohibit the use of the Services rendered by the Website.
- o If the User is a resident of any State/Country that prohibits by way of law, regulation, treaty or administrative act for entering into trade relations or/and
- o Due to any religious practices.
FEATURE “CALL WITH ADVISOR”
The App/Website is providing certain service which is available through the medium of telecommunication with the Advisor listed and enrolled with the Website. By agreeing to the present Terms of Usage, you are also giving your unconditional consent to the Website to arrange a call with you on your mobile number even though your number is on DND service provided by your mobile service provider.
APP/WEBSITE CONTENT
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The App and any individual Websites which may be available through external hyperlinks with the App/Website are private property.
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All interaction on this App/Website inclusive of the guidance and advice received directly from the Licensed Provider must comply with these Terms of Usage.
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The User shall not post or transmit through this App/Website any material which violates or infringes in any way upon the rights of others, or any material which is unlawful, abusive, defamatory, invasive of privacy, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any law.
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The App/Website shall have a right to suspend or terminate access by such User or terminate the User’s registration and such User shall not gain access to the App/Website.
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The App/Website reserves the right to terminate the access or to change or discontinue any aspect or feature of the App/Website including, but not limited to, content, graphics, deals, offers, settings, etc.
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Any information other the guidance and advice, received directly from the Third-Party Service Provider, the educational, graphics, research sources and other incidental information on the Site, the content, should not be considered as medical advice.
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The App/Website does not take guarantee of any untoward incident that may happen with the User after seeking the Service. The Website or the Service Provider providing the advice is not liable and does not guarantee any results as expected by the User and accessing the Website in such scenario is purely at the risk of the User.
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By using the Site, Application or Services, User hereby agrees that any legal remedy or liability that you seek to obtain for actions or omissions of other Members inclusive of the service provider registered with the Website or other third parties linked with the Website, shall be limited to claim against such particular party who may have caused any harm. You agree not to attempt to impose liability on or seek any legal remedy from the Website with respect to such actions or omissions.
USER ACCOUNT ACCESS
The App/Website shall have access to the account and the information created by the User for ensuring and maintaining the high-quality services provided by the Website and for addressing the need of the customer in the most effective manner. User hereby consents for the unconditional access of the account by the App/Website, its employees, agents and other appointed person in such regard. For the purpose of addressing the complaints (if any received) and any suspected abuse reported, the Website shall investigate on case-to-case basis from the records available. The User is directed to read the terms provided in the Privacy Policy as regards such records.
PRIVACY POLICY
The User hereby consents, expresses and agrees that the User has read and fully understand the Privacy Policy of the App/Website. The User further consents that the terms and contents of such Privacy policy is acceptable to the User inclusive of any update/alteration/change made and duly displayed on the Website.
BREACH AND TERMINATION
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The App/Website may, in whole or in part, without informing the User, modify, discontinue, change or alter the services ordered or the Account of the User registered with the App/Website. The App/Website may or may not issue notice or provide any reason for such action taken by the App/Website.
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Violation of any conditions mentioned in this Terms of Usage shall lead to immediate cancellation of the Registration of the User, if registered with the App/Website. The App/Website reserves right to terminate and initiate action immediately, if:
- o The App/Website is not able to verify and authenticate the Registration data or any other relevant information provided by the User.
- o The App/Website believes that the actions of the User may cause legal liability for the App/Website, other Users or any service provider linked with the App/Website.
- o The App/Website believes that the User has provided the App/Website with false and misleading Registration Data or there is interference with the other Users or the administration of the services, or have violated the privacy policy as listed by the Website.
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For the Service Provider inclusive of the Advisor, You understand and agree that your relationship with the App/Website is limited to being a member and You act exclusively on your own behalf and for your own benefit. The Website may terminate and de-activate the Profile of such service provider for any violation of the present terms of usage and the Service Terms and Conditions agreed upon between the parties while registration of the data by such Service Provider.
DELIVERY, CANCELLATION AND REFUND
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No refund shall be processed on the order of any reports under any circumstances if the order has reached the “processing” (Assigned to an Astrologer) stage. The risk and liability of placing order in a haste and careless manner totally lies with the User and the Website is not responsible for any refund once the processing stage has started.
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No refund shall be processed once the Order has been placed and executed. However, if the User intends to cancel a successfully placed order before execution, the User is required to contact the customer care team within 1 (one) hour of making the payment, whereafter it is totally at the discretion of the Website whether to issue refund.
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Any technical delay or glitch reported in the Website during the processing of the request which includes generating reports by the service provider i.e. Advisor shall not be eligible for claiming refund. The User agrees that the timelines are approximate and all essentials steps would be taken to adhere to the timelines as displayed.
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No refund shall be processed for the reason that in-correct information or data has been provided by You. The User agrees to be careful while providing any information to the Website and must re-check the information filled before clicking on “Submit”. The User can request for change in the in-correct information or data entered provided, the request for such change has been made with the customer care within 1 (one hour) of execution of the service rendered by the service provider.
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No refund shall be processed for return of any damaged product. The User undertakes and agrees that by ordering any product as displayed on the Website, the Registered User shall be fully responsible for any damaged caused to the product, post its delivery. For orders made via “Cash on Delivery” method of payment, the User shall be charged for the cost of the product as displayed by the Website and the shipping/custom/courier charges as applicable, if the product is returned.
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Refund on pro-rata basis may be considered for any delay in the activation of the subscription services and any damage that may be caused to the product while in transit shall be dealt by the Website and its agencies.
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The services offered are strictly not meant to replace any philosophical, emotional or medical treatment. The Website holds no responsibility or liability about the reality or reliability of the financial effects on the human physiology. The User is advised to exercise discretion in such case and no refund shall be issued on such grounds.
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No refund shall be processed for providing a wrong contact number for the purpose of availing the “Call or Chat with Advisors” feature. The User once opted for this feature is advised to keep the Contact Number in full coverage area and must answer the call when received. No refund shall be processed for any call which gets connected.
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The refunds, if any, shall be processed after deduction of the transaction charges levied by the Bank and/or the Payment Gateway, to & fro cost of the shipping and/or courier charges (With regard to purchase of a product listed on the Website), customs duty (if levied) and/or any other charges that may have been incurred by the Website during processing and/or delivering the service, as applicable.
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In case the App/Website or Payment gateway’s webpage, that is linked to the App/Website, is experiencing any server related issues like ‘slow down’ or ‘failure’ or ‘session timeout’, the User shall, before initiating the second payment, check whether his/her Bank Account has been debited or not and accordingly resort to one of the following options:
- o In case the Bank Account appears to be debited, ensure that you do not make the payment twice and immediately thereafter contact the App/Website via customer care to confirm payment.
- o In case the Bank Account is not debited, the User may initiate a fresh transaction to make payment.
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However, refund for multiple payment, if any, even after the above precaution against the same order shall be refunded in full without deduction of the transaction charges as mentioned above. The App/Website shall only retain the cost of one single order as intended to be placed by the User.
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If there are orders that the App/Website is unable to accept and must cancel, the App/Website at its sole discretion, reserves the right to refuse or cancel any order for any reason whatsoever. Some situations may result in the order being cancelled and include, without limitation, non-availability of the service, inaccuracy, error in pricing information or other problems as identified. If the User’s order is cancelled after charges being paid against the said service, the said amount paid for booking shall be refunded.
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By requesting for refund, user is agreeing to provide FinanSoo’s quality audit team permission to access the chat/call recording of the consultation for which refund has been requested, in order to determine whether the case is eligible for refund or not.
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FinanSoo quality audit team, at best effort basis, provide partial/full refunds to the users in their FinanSoo wallet wherever consultant’s quality parameters are not satisfied. It can take upto 72 hours to analyse and refund the amount back to FinanSoo wallet
- Note: All refunds will be credited to user’s FinanSoo wallet.
- o Refunds will only be considered in the following cases:
- - Network issue due to which chat/call was affected in between or there was a weak signal, background noise, inaudible consultant etc during the video/normal call sessions
- - Consultant is unable to respond fluently in the language mentioned in their profile
- - Consultant is taking inordinately long enough to respond back to the user
- - Consultant has responded back in irrelevant or inappropriate response to the query asked by the user
- o Please Note: No refund will be given in case of lack of accuracy of any consultation. FinanSoo takes no responsibility for factual accuracy on any consultations.-
USER OBLIGATION
The User (inclusive of the advisor and the Member Customer) under an obligation not to violate the privacy policy, terms and conditions and any other terms as defined on the Website. The User represents that he is an individual and not a corporation or other legal business entity. The rights to use the Website’s services is personal to the User. The User shall while using the Website and engaged in any form of communication on any of the forums inclusive of the products listed on the Website shall not violate the terms and conditions which are inclusive of:-
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The User shall not Post, publish or transmit any messages that is false, misleading, defamatory, harmful, threatening, abusive, harassing, defamatory, invades another's privacy, offensive, promotes racism, hatred or harm against any individual or group or religion or caste, infringes another's rights including any intellectual property rights or copyright or trademark, violates or encourages any conduct that would violate any applicable law or regulation or would give rise to civil liability.
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The User shall not upload or post or otherwise make available any content that User do not have a right to make available, under any law or under contractual or fiduciary relationships.
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The User shall not upload or post or otherwise make available any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party. The User may, however, post excerpts of copyrighted material so long as they adhere to Fair Use guidelines.
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The User shall not collect screen names and email addresses of members who are registered on the Website for purposes of advertisement, solicitation or spam.
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The User shall not send unsolicited email, junk mail, spam, or chain letters, or promotions or advertisements for products or services.
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The User shall not upload or distribute files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of the Website or another’s computer.
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The User shall not engage in any activity that interferes with or disrupts access to the Website
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The User shall not attempt to gain unauthorized access to any portion or feature of the Website, any other systems or networks connected to the Website, to any of the services offered on or through the Website, by hacking, password mining or any other illegitimate means.
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The User shall not violate any applicable laws or regulations for the time being in force within or outside India. The use and continuous use of the Website is subject to but not limited to using the services for personal use.
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The User shall not resell or make any commercial use of the Services without the express written consent from the Website.
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The User shall not violate these Terms of Usage including but not limited to any applicable Additional terms of the Website contained herein or elsewhere.
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The User shall not Reverse engineer, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or software obtained from the Website.
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The User by becoming a Registered member of the Website agrees to the following situations, which list is not exhaustive and may include services incidental to the below mentioned: -
- o The user agrees to receive communication through the app/website through email/SMS or any other communication medium including though Whatsapp Business Messages in regards to the usage of the app/website.
- o The User agrees not to transmit via the Website any unlawful, harassing, libellous, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable material of any kind or nature.
- o The User not to transmit any material that encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national or international law or regulation. Attempts to gain unauthorized access to other computer systems are prohibited.
- o The User shall not interfere with any other members' use or enjoyment of the Website or Services.
- o The User is under an obligation to report any misuse or abuse of the Site. If you notice any abuse or misuse of the Site or anything which is in violation of this Agreement, you shall forthwith report such violation to Website by writing to Customer Care. On receipt of such complaint, Website may investigate such complaint and if necessary, may terminate the membership of the Member responsible for such violation abuse or misuse without any refund of the subscription fee.
- o Any false complaint made by a Member shall make such Member liable for termination of his / her membership without any refund of the subscription fee.
- o The Website reserves the right to withdraw its services to any customer who is found to be unreasonable or abusive during their conversation with the Service Provider inclusive of astrologer regardless of any reason.
While the Website shall take all steps to resolve any situation that is in violation of the above obligations arises, however if the situation is not controllable, the Website reserves its right to send a written warning henceforth. Such violations, if repeated by the User, shall lead to a total ban for transacting on the platform by such User. If any balance is present in the wallet of the User, the same shall be refunded subject to the other charges that may be applicable for such violations.
BANK ACCOUNT INFORMATION
The User is under an obligation to provide his banking information as and when required. For that purpose, the obligation of the User are:-
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The User agrees that the debit/credit card details provided by him/ her for use of the aforesaid Service(s) must be correct and accurate and that the User shall not use a debit/ credit card, that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The User further agrees and undertakes to provide correct and valid debit/credit card details.
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The User may pay the fees required, to the Website by using a debit/credit card or through online banking account. The User warrants, agrees and confirms that when he/ she initiates a payment transaction and/or issues an online payment instruction and provides his/ her card / bank details:
- o The User is fully and lawfully entitled to use such credit / debit card, bank account for such transactions;
- o The User is responsible to ensure that the card/ bank account details provided by him/ her are accurate;
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The User is responsible to ensure sufficient credit is available on the nominated card/ bank account at the time of making the payment to permit the payment of the dues payable or the bill(s) selected by the User inclusive of the applicable Fee.
The User further agrees that if any part of these Terms of Usage are determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth herein, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms of Usage shall continue in effect.
INDEMNIFICATION:
You agree to indemnify, defend and hold harmless finansoo.com and its parent, subsidiaries, affiliates, officers, directors, employees, suppliers, consultants and agents from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys fees) arising from Your use of the Services, Your violation of the Privacy Policy or these Terms of Service, or Your violation of any third party's rights, including without limitation, infringement by You or any other user of Your account of any intellectual property or other right of any person or entity. These Terms of Service will inure to the benefit of finansoo.com's successors, assigns, and licensees.
PROPRIETARY RIGHTS TO CONTENT
You acknowledge that the Content, including but not limited to text, software, music, sound, photographs, video, graphics or other material contained in either sponsor advertisements or distributed via email, commercially produced information presented to Member by finansoo.com, its suppliers, and/or advertisers, is protected by copyrights, trademarks, service marks, patents and/or other proprietary rights and laws. You are not permitted to copy, use, reproduce, distribute, perform, display, or create derivative works from the Content unless expressly authorized by finansoo.com, its suppliers, or advertisers.
