Whizdm Innovations Private Limited, headquartered in Bengaluru, Karnataka, India, owns the moneyview Personal Loan App, a mobile software application for personal finance management. Users, referred to herein as "You" or "Your", can download the App from the Platform, which comprises both the App and its official website, moneyview.in, meant for informational purposes only. By using the Platform, a binding contract is established between "You" and the "Company," aligning with this document's Terms of Service and the integrated Privacy Policy. Usage of the Platform signifies that users are above 18 or have legal consent from parents or guardians.

The Company is not a lender and thus doesn’t provide loans or credit facilities. The App solely facilitates credit applications.

Terms Overview

Downloading, installing, or accessing the Platform implies unconditional agreement to these Terms, relevant policies, amendments, and legal obligations outlined herein. Account creation is mandatory, requiring users to provide details like name, email, and contact number. Users must maintain the confidentiality of their account, adhering to usage norms to prevent unauthorized access.

Services Offered

The App allows users to open a Digital Savings Bank Account with partnered RBI-licensed banks, using the Company as a tech intermediary without direct access to user accounts. It also offers a Pro-Saver Account, transforming savings into fixed deposits (FDs) upon reaching specified thresholds, sometimes enabling Overdraft (OD) facilities based on FDs. The Company does not directly sell insurance but provides a platform for third-party insurance products without endorsement, leaving purchase decisions to users. Additional user incentives like cashback or rewards are offered at the Company's discretion.

User Obligations and Platform Usage

Users must utilize the Platform solely for legitimate purposes, comply with laws, and avoid disruptive activities. Unauthorized use is prohibited, and failure to follow guidelines may lead to restricted access or termination. Users should keep App-related data updated for compatibility with bank services.

Fees and Termination

No fees are charged currently, but the Company reserves the right to introduce fees in the future with a 30-day notice. The Company can terminate your account or suspend services without notice, without liability.

Liability, Indemnity, and Dispute Resolution

The Company and partners disclaim warranties related to the Platform's reliability and accuracy, bearing no responsibility for third-party service promotions or unexpected service outages. Users indemnify the Company against any claims arising from Platform usage. Legal disputes are subject to Indian laws, settled by arbitration in Bangalore.

Additional Provisions

Legal notices must be sent via registered mail. Force majeure clauses exempt obligations during unforeseen events, while severability maintains the validity of legal provisions. Assignments and waivers aren't implied through inaction, and users may receive promotional messages. Grievance redress is available for unresolved user issues, facilitated through specified channels.

Contact Information and Support

Whizdm Innovations Private Limited's office is at Survey No. 17, 1A, Outer Ring Rd, Kadubeesanahalli, Bellandur, Bengaluru, Karnataka – 560087.