Terms of Use

This document is an electronic record in terms of the Indian Contract Act 1872; the Information Technology Act 2000, the rules made thereunder; and the amended provisions pertaining to the electronic records in various other statutes as amended by the Information Technology Act, 2000.  

‍This electronic record is generated by a computer system and does not require any physical or digital signatures. 

‍Atlantis Capital Private Limited, a company incorporated under Companies Act, 2013 having registered office at Regus Platina, Level 9, C-59, G-Block, BKC, Bandra (East), Mumbai 400051, provides financial technology platform through its website available at https://neo-money.com/ and mobile application NEO (collectively referred to as “Platform”).The Company requests the User (as defined below) to carefully go through these terms & conditions (“Terms of Service” or “Agreement” or “TOS” or “Terms”), prior to accessing the Platform or availing Services (as defined below) via the Platform. If User continues to browse and use the Platform to avail Services, User irrevocably and unconditionally is agreeing to comply with, abide by and be bound by all these obligations as stipulated in this TOS, which together read with our privacy policy available at https://neo-moeny.com/privacy (“Privacy Policy”); and any other applicable policies referred to herein or made available on the Platform (collectively referred as “Terms and Conditions”). The Terms and Conditions shall govern the Company’s relationship with User in relation to the usage of the Platform. These Terms and Conditions supersede all previous oral, written terms and conditions (if any) communicated to User and shall act as a binding agreement between Company and the User. 

‍IF YOU DO NOT AGREE TO BE BOUND BY ALL TERMS AND CONDITIONS CAPTURED IN THE TOS, PLEASE DO NOT USE THE PLATFORM OR SERVICES. 

1. Definitions "Company," "we," "us," or our" means Atlantis Capital Private Limited and any other companies that are its subsidiaries and affiliates. 
"Service(s)" means services provided through the Platform, as described in further detail under clause 3 below. The Services provided through the Platform may change from time to time, at the sole discretion of the Company. 
“User” or “You” shall mean any person or entity who is a visitor on the Platform and/or shall avail Services on the Platform, or his/her representatives or affiliates who are registered on the Platform.  

2. Updation of Terms and Conditions:
Your use of the Platform is subject to the Terms and Conditions, which may be updated, amended, modified or revised by us from time to time with/without notice to you. To ensure that you are aware of any additions, revisions, amendments or modifications that we may have made to these Terms and Conditions, it is important for you to refer to the Terms and Conditions from time to time. The Updated Terms and Conditions shall be effective immediately and shall supersede these. We shall not be under an obligation to notify you of any changes to the Terms and Conditions. You shall be solely responsible for reviewing the Terms and Conditions from time to time for any modifications. If you continue to use the Platform, and/or Services after the Updated Terms and Conditions have been published, it shall be deemed that you have read and understood and accept the Updated Terms and Conditions. Any reference to Terms of Service, TOS, Agreement made herein shall refer to the latest version of the Terms of Service.  

3. Service(s) provided to Users
i. Company is a financial technology company which owns the Platform and offers various services through the Platform. 
ii. Company in collaboration with various banking/non-banking financial institutions (NBFC) offer various financial products to the Users. Such Services shall include issuance of prepaid instruments, savings bank account, various discounts and offers in relation to purchases etc.
iii. Kindly note that these financial services have been provided by banking/NBFC’s and Company only acts as an intermediary between financial institutions and User. 
iv. Any banking/financial activity carried out in the Platform shall be done by financial institutions who have the requisite approvals. 

4. Eligibility :
By using Platform, you affirm that you are at least eighteen (18) years of age and are fully able, and competent to enter into the terms, conditions, obligations, affirmations, representations, warranties set forth in the Terms and Conditions, and to abide by and comply with the terms stated therein. Registration of User in the Platform is available only to persons who can form legally binding contracts under Indian Contract Act, 1872. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents, or person with unsound mind etc. are not eligible to use the Platform. By accessing the Website or by accessing any of the Services, it is deemed that the User has read and understood and accepted these Terms.  

5. User Account Registration NEO Account:
i. Before you can apply to open a Wallet Account (as defined below) to avail Services, you must create a profile with Company through the Platform (“NEO Account”). Once you have successfully opened a NEO Account, you can use the Platform and apply to open a Wallet Account. To create a NEO Account, you must provide us your phone number (which we will authenticate with a one-time password).
ii. You must also permit NEO to access your SMS, contacts, location data, installed applications, and such other device data that NEO may require (from time to time) to provide you the Services. At the time of creating the NEO Account or any time after that (while you are using the Services) NEO may also ask you to provide details about yourself which include without limitation:a. your name;b. email address;c. date of birth;d. residential address;e. employment type and place of work;f. any demographic data;g. monthly income, and h. PAN Number
iii. Collectively this information (that you provide to NEO) is referred to as “NEO Account Data”. The types of data that come under the category of NEO Account Data have been described in greater detail in the Privacy Policy and are incorporated here by reference. Use of the NEO Account Data will be governed by the Privacy Policy and these Terms. 
iv. You must add such information and documents requested in the manner prompted on the Platform. If you revoke any permissions on the Platform, we may restrict or deny your use of the Platform (or any of its features) to the effect that such information or documentation is necessary to provide you the Services. 
v. If we believe that the information you provide to us is unreliable or incorrect, then, we may (at our discretion) disallow you from opening a NEO Account. If we discover any deficiency in the information provided by you on a later date, we may terminate your NEO Account. Please note that we may (from time to time) ask you to provide us information about yourself to allow you to continue using the Platform and its Services.
vi. User who are at least eighteen (18) years of age may create NEO Account if they wish to avail our Services. Any use of our Services by anyone under eighteen (18) years of age is expressly prohibited and by using our Services you represent and warrant that you are eighteen (18) years or older.   
‍In the event if the NEO Account is created for and on behalf of a Minor (as defined below), such relation shall be account shall be governed by clause 9 of the TOS. 

6. Opening of Wallet:
i.Kindly note that NEO Account does not entitle you to carry out any financial activity on the Platform. In order to carry out financial activity and to use the financial products offered by the Bank or avail Services, you have to open a wallet with the Bank who is offering such financial product (“Wallet”). 
ii. The Wallet shall be opened with Bank issuing the financial product and Company shall not have any access/control over the Wallet. You hereby agree and acknowledge that Company shall not be liable for any losses incurred on account of losses incurred in relation to usage of Wallet. 

7. Platform License
i. Subject to your compliance with the TOS, Company grants you a limited, non-exclusive, non-transferable license: (i) to view, download and print any content of Platform solely for your personal and non-commercial purposes; and (ii) to access, modify, edit and download any content, to which you are permitted access solely for your use. You have no right to sublicense the license rights granted herein.
ii. You will not use, copy, adapt, modify, prepare derivative works based upon, distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit the Platform and Services, except as expressly permitted in the TOS. No licenses or rights are granted to you by implication or otherwise under any intellectual property rights owned or controlled by Company or its licensors, except for the licenses and rights expressly granted in the TOS. The Platform and the intellectual property rights vested therein is owned by Company.  

8. Fees and Subscription
I. The Company may charge fees for the usage of the Platform and for the Services which the Users may avail directly from the Company (“Platform Fees”). However, it is pertinent to state that the Company does not charge any fees for the usage of the Wallet or to avail/obtain any financial products issued by financial institutions (including Bank and Non-Banking Financial Institutions) through the Platform.
II. The Platform Fees shall be charged on a monthly subscription model (“Subscription”). Subscription shall be automatically renewed on monthly basis, unless cancelled by you or in the event if the Account is terminated by us as per the provisions stated in the TOS. 

9. Cancellation and Refund PolicyYou shall have the right to cancel the Subscription at any point of time. However, cancellation of the Subscription shall be effective from the date of the Subscription on which the renewal is due (“Effective Termination Date”). Kindly note that you shall have the right to use the Platform till Effective Termination Date. Post Effective Termination Date, you shall not be entitled to use the Platform and Wallet. As you are entitled to use the Platform till the Effective Termination Date, you will not be able to claim any refund for Platform Fees paid.

10. Use of Your Information and other content displayed on the Platform
i. If You create, transmit, submit, display or otherwise make available any information while using the Services, you may provide only information that you own or have the right to use. We may only use the information you provide as permitted by our Privacy Policy and applicable law. For example, we will never share your personally identifiable information without your prior permission. Please closely review our Privacy Policy for more information regarding how we use and disclose your personal information. Our Privacy Policy is hereby incorporated into these Terms of Service by this reference.

ii. We reserve the right to maintain, delete or destroy all information and materials posted or uploaded through the Services, pursuant to our internal record retention and/or destruction policies. We (may/may not) make use of third-party cloud services providers or use our own service infrastructure for hosting the servers and databases. While we make commercially reasonable efforts to ensure that the data stored on our servers is persistent and always available to the User, we will not be responsible in the event of failure of the third-party servers or any other factors outside our reasonable control that may cause the User’s data to be permanently deleted, irretrievable, or temporarily inaccessible.

iii. You acknowledge and agree that we may preserve your information and may also disclose your related information if required to do so by law; or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process, applicable laws or government requests; (b) enforce these TOS; (c) respond to claims that any of your usage of the Platform violates the rights of third parties; (d) detect, prevent, or otherwise address fraud, security or technical issues; or (e) protect the rights, property, or personal safety of the Platform, its users, or the public.

11. Third Party Services
While availing Services, Users may connect with third-party service providers. The Company is not responsible for, and does not endorse, any third-party services mentioned on the Platform. It is hereby stated that Company shall in no way be responsible for any acts or omissions of third parties. Any transaction, dealings or communication otherwise that the User may have with such third parties are at the User’s own risk and we make no warranties, express or implied regarding the quality or suitability of the services or products of such third-party vendors. You may be redirected to a third-party website upon clicking on such links, these websites will be governed by its privacy policy and terms of use. We shall not be responsible for any transaction or dissemination of information that may take place while accessing these third-party websites. 

12. Rules and Conduct
i. As a condition of use, you promise not to use the Services for any purpose that is prohibited by the TOS; or other rules or policies implemented by us from time to time; or in violation of any applicable laws. The Services (including, without limitation) is provided only for your own personal and non-commercial use.
ii. By way of example, and not as a limitation, you shall not (and shall not permit any third party to) take any action that:
(i) would constitute a violation of any applicable law, rule or regulation;
(ii) infringes on any intellectual property or other right of any other person or entity;
(iii) is threatening, abusive, harassing, defamatory, libellous, deceptive, fraudulent, invasive of another’s privacy, tortuous, obscene, offensive, or profane; or
(iv) impersonates any person or entity. The Company reserves the right to disable any Account from the Platform at any time for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities; or if Company is concerned that You may have violated the Terms of Service), or for no reason at all with or without notice to the User/Users.
iii. Additionally, you shall not share any information that: (i) may be harmful to minors or children below the age of 18 (eighteen) years; (ii) threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states or public order or causes incitement to the commission of any cognisable offence or prevents investigation of any offence or is insulting any other nation; and (iii) is invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; (iv) harms minors in any manner; (v) infringes any patent, trademark, copyright or other proprietary rights;  (vi) violates any laws for time being; and (vii) impersonate any person.
Furthermore, you shall not (directly or indirectly): (i) take any action that imposes or may impose an unreasonable or disproportionately large load on Company’s (or its third party providers’) infrastructure; (ii) interfere or attempt to interfere with the proper working of the Platform or any activities conducted on the Platform; (iii) bypass any measures we may use to prevent or restrict access to the Platform (or parts thereof); (iv) decipher, decompile, disassemble, reverse engineer or otherwise attempt to derive any source code or underlying ideas or algorithms of any part of the Platform, except to the limited extent applicable laws specifically prohibit such restriction; (v) modify, translate, or otherwise create derivative works of any part of the Platform; or (vi) copy, rent, lease, distribute, or otherwise transfer any or all of the rights that you receive hereunder.
iv. You will not access the Website, and/or its Services, or the personal information of other Users, available on the Website in order to build a similar or competitive website, product, or service.
v. You agree to immediately notify us of any unauthorised use, or suspected unauthorized use of Your Profile, or any other breach of security, in relation to Your personal information on the Website. 

13. Unauthorized use of the Platform
Tell us at once if you believe your Wallet Account or NEO Account has been accessed without your permission. If you feel something of this sort has occurred, please email us at help@neo-moeny.com and call us at 080-47184888. We also have a chat feature within our Platform which you can use. The sooner you tell us about the breach, the better equipped we will be to avoid/minimize any loss.  

14. KYC Verification
You acknowledge that in order to provide Services, know your customer (“KYC”) is a pre-requisite mandate. You authorize us (and any third party appointed by us) to facilitate your KYC process as may be required from time to time. This may include asking you for the documentation required under law as well as additional information or verifying your information against third party databases or other sources. If you refuse to complete the KYC requirements stipulated under law, we may need to deny or limit your use of the Services. The collection, verification, audit, and maintenance of the correct and updated information about you is a continuous process, so we reserve the right at any time, to take steps necessary to ensure compliance with all relevant and applicable KYC requirements. You agree and acknowledge that we may engage a third-party service provider for conducting KYC verification.  

15. Alerts Provided by The Company
i. The Company provides you with multiple automatic alerts while providing Services.ii. You understand and agree that any alerts provided to you through the Platform may be delayed or prevented by a variety of factors. We will do our best to provide alerts in a timely manner with accurate information. However, we neither guarantee the delivery nor the accuracy of the content of any alert. You also agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.

16. Contact You 
You agree that we may contact you through telephone, email, SMS, WhatsApp or any other means of communication for the purpose of:
i. Obtaining feedback in relation to Platform or our Services; ii. Obtaining feedback in relation to any other Users listed on the Platform; iii. Resolving any complaints, information, or queries by other Users; andYou agree to provide your fullest co-operation further to such communication by Company. 

By submitting suggestions or other feedback regarding our Services/Platform, you agree that we can use and share such feedback for any purpose without any compensation to you and we are under no obligation to such feedback confidential. 

17. Restrictions on Usage of the Platform
i. No scaling or jeopardizing our platform: You agree to not interfere with or use non-public areas of our Platform and our technical delivery system. You will not introduce any trojans, viruses, any other malicious software, any bots, or scrape our Platform for any user information. Additionally, you will not probe, scan, or test the vulnerability of any system, security, or authentication measures implemented by us. If you tamper or attempt to tamper with our technological design and architecture, we may terminate your NEO Account. We may further report such actions to the appropriate law enforcement authorities and initiate legal action.
ii. No commercial usage: You shall use the Services only for your lawful and personal use. 
iii. No illegal usage: You shall not use the Platform or the Services for committing fraud, embezzlement, money laundering, or for any other unlawful and/or illegal purposes. 
iv Duty to provide true information: The information you provide is used by us and the Bank to determine your eligibility and continuing use of your Wallet. It is critical that all information you provide to us is true, complete, not misleading, and is regularly updated by you. If all or any part of this information is incorrect, incomplete, or misleading, it would be a breach of these Terms and a violation of the law. We may approach appropriate authorities to initiate legal action against you. You must further ensure that you do not do anything that can make the information provided by you incorrect, incomplete, or misleading at a later date. If you discover any information provided is incorrect, incomplete, or misleading, then please write to our Grievance Officer (details given below) immediately.
v. Duty to be responsible: Considering the nature of the Platform and Services provided, please ensure that you keep your mobile device safe. You are solely responsible for all activities that occur under your credentials on the Platform and for any amounts debited from or credited to your Wallet. You should keep your password safe and not disclose your NEO Account details to any third party or share your NEO Account with any third party. If you think someone has gained access to your NEO Account or your Wallet Account without your permission, please contact our Grievance Officer immediately.
vi. Ensure compatibility and keep updated: You must ensure that you keep updating the Platform as and when we release new versions of it. Failure to do so may make you incapable of using the Platform and our Services.   

18. Profile Ownership and Editing Rights
We ensure easy access to the Users by providing a tool to update your profile information. We reserve the right to moderate the changes or updates requested by you and we shall take an independent decision whether to publish or reject the requests submitted for the respective changes or updates in your profile. You hereby represent and warrant that you are fully entitled, under applicable law, to provide information as part of your profile or otherwise while using our Services, and that no such information breaches any third-party rights, including intellectual property rights and applicable data protection laws. Upon becoming aware of a breach of the foregoing representation, we may modify or delete parts of your profile information at our sole discretion with or without notice to you. 
Excluding Your Account information, you acknowledge that the Platform, the entire content, Services, and all the intellectual property rights, including copyrights, patents, trademarks, designs, and trade secrets in relation to the above are solely owned by us. 

19. Rights and Obligation relating to the usage of the Platform
Users shall be prohibited from carrying out the any illegal acts in the Platform including but not limited to acts mentioned below:i. violating or attempting to violate the integrity or security of the Platform;ii. transmitting any information on or through the Platform that is disruptive or competitive to the provision of our Services;iii. intentionally submitting on the Platform any incomplete, false or inaccurate information;iv. making any unsolicited communications to other Users;v. using any engine, software, tool, agent or other device or mechanism (such as spiders, robots, avatars or intelligent agents) to navigate or search the Platform;vi. circumventing or disabling any digital rights management, usage rules, or other security features of the Platform.vii. Any unlawful activities in the Platform which are prohibited by laws of India. 
The Company shall, upon obtaining knowledge by itself or been brought to actual knowledge by an affected person in writing or through email signed with electronic signature about any such information as mentioned above, be entitled to disable such information that is in contravention of this Clause. We shall also be entitled to preserve such information and associated records for at least 90 (ninety) days for production to governmental authorities for investigation purposes.In case of non-compliance with any applicable laws, rules or regulations, or the Agreement (including the Privacy Policy) by a User, we shall have the right to immediately terminate your access or usage rights to the Platform and Services and to remove non-compliant information from the Platform. 
We may disclose or transfer User-generated information to our affiliates or governmental authorities in such manner as permitted or required by applicable law, and you hereby consent to such transfer. In accordance with the applicable laws, we shall transfer sensitive personal data or information including any information, to any other body corporate or a person in India, or located in any other country, that ensures the same level of data protection that is adhered to by us, only if such transfer is necessary for the performance of the lawful contract between Company or any person on its behalf and the User or where the User has consented to data transfer. 

20. Company and User Materials
While rendering Services, Company directly or through its representatives, may provide Users with certain materials relevant to the Services, which may be in the form of audio, video, written and oral content (“Company Materials”). Company Materials shall be the exclusive property of the Company. User hereby agrees and acknowledges that he/she shall ensure that the Company Materials are not shared with any third party, without Company’s written consent and any breach of such nature shall cause financial and irreparable injury to Company. Company hereby provides User with a revocable, non-exclusive, non-transferable, non-sublicensable, limited license to use the Company Materials solely for its personal purpose and not for any commercial use.  

21. Modification
We reserve the right, at any time and in with sole discretion, to change, modify, or amend the Website (in whole, or in part) or any of its Services or Content (in whole, or in part), in compliance with the applicable legal and regulatory framework. You agree that We will not be liable to You for any change, modification or amendment of the Website or its Services, or any part thereof. 

22. Support
The Company offers an email-based support system. In case you require any assistance or support, you may access support resources or contact our support by emailing at help@NEO.club. The Company shall revert to every complaint within 48 hours of receipt of the complaint. Further, the Company shall take best possible efforts to redress the complaint within 30 days of receipt of the complaint.  
The User agrees and acknowledges that the Company shall address and attempt to resolve the complaint received in accordance with the standard policies and procedures adopted by the Company, the User’s disapproval/discontent with the outcome/mode of redressal shall not be deemed to mean non-redressal of the complaint by the Company. Any suggestions by Company regarding use of the Services shall not be construed as a warranty.  

23. Termination
i. Termination/ Suspension of Services:We have the right to temporarily suspend access to the whole or any part of the Services for any reason whatsoever (including but not limited to technical/operational reasons) and shall be under no liability to you in such an event. Further, we may, but shall not be obliged to, give You notice of any interruption of access to the Service.We may temporarily suspend access to the whole or any part of the Services for pre-scheduled maintenance. If you choose to access the Platform or avail Services during such pre-scheduled maintenance, we cannot guarantee the availability of the Services and/or functionality of the Platform.  

ii. Termination/ Suspension of Accounts:We may terminate your usage of the Platform at any time for any reason, including breach of the Terms and Conditions. We have the right (but not the obligation) to refuse to grant access to Platform. Except for the rights and license granted in these terms, we reserve all other rights and grant no other rights or licenses, implied or otherwise. 

Once temporarily suspended, indefinitely suspended or terminated, the User may not continue to use the Platform under the same account, a different account or re-register under a new account. On termination of an account due to the reasons mentioned herein, such User shall no longer have access to data, messages and other material kept on the Platform by such User. All provisions of the TOS, which by their nature should survive termination, shall survive termination, including, without limitation, warranty disclaimers, indemnity and limitations of liability. 

24. Disclaimer
THE SERVICE IS PROVIDED BY BANK AND COMPANY IS ACTING AS A TECHNOLOGY FACILITATOR TO FACILITATE THE SERVICES WHICH ARE RENDERED BY BANK. COMPANY DOES NOT HAVE ANY CONTROL OVER THE WALLET DATA AND, HENCE SHALL NOT BE LIABLE FOR ANY LOSSES ARISING OUT OF OR IN RELATION TO THE LOSSES ARISING IN RELATION TO THE WALLET.  
THE PLATFORM AND SERVICE (INCLUDING, WITHOUT LIMITATION, ANY CONTENT) IS PROVIDED “AS IS” AND “AS AVAILABLE” AND IS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED. THE COMPANY INCLUDING) ITS DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, SPONSORS AND PARTNERS DO NOT WARRANT THAT: (A) THE SERVICE WILL BE SECURE OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (B) ANY DEFECTS OR ERRORS WILL BE CORRECTED; (C) ANY CONTENT OR SOFTWARE AVAILABLE AT OR THROUGH THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE RESULTS OF USING THE SERVICE WILL MEET YOUR REQUIREMENTS. YOUR USE OF THE SERVICE IS SOLELY AT YOUR OWN RISK. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.  

25. Indemnification
You shall defend, indemnify, and hold harmless the Company, its affiliates/subsidiaries/joint venture partners and each of its, and its affiliates’/subsidiaries/joint venture partners’ employees, contractors, directors, suppliers and representatives from all liabilities, losses, claims, and expenses, including reasonable attorneys’ fees, that arise from or relate to (i) your use or misuse of, or access to, the Services and Platform; or (ii) your violation of the Terms and Conditions; or any applicable law, contract, policy, regulation or other obligation. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with us in connection therewith. 

26. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COMPANY  (INCLUDING ITS DIRECTORS, EMPLOYEES, AGENTS, SPONSORS, PARTNERS, SUPPLIERS, CONTENT PROVIDERS, LICENSORS OR RESELLERS,) BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE SERVICES (I) FOR ANY LOST PROFITS, DATA LOSS, LOSS OF GOODWILL OR OPPORTUNITY, OR SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER, (II) FOR YOUR RELIANCE ON THE SERVICES (III) FOR ANY DIRECT DAMAGES IN EXCESS (IN THE AGGREGATE) OF THE INR 1000/- (IV) FOR ANY MATTER BEYOND ITS OR THEIR REASONABLE CONTROL, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF ANY OF THE AFOREMENTIONED DAMAGES. 

27. Exemptions to liability of Company 
You further agree and confirm that Company shall not be responsible, in any manner whatsoever, for any delay/unavailability of Services or failure to meet its obligations under the Terms and Conditions, which may be caused, directly or indirectly, due to:i. your failure to cooperate; ii. your unavailability and/or unresponsiveness; iii. your failure to provide accurate and complete information;iv. your failure to provide or facilitate the submission of User Materials in timely manner;v. any event beyond Company’s reasonable control. 

28. Governing Law
This Agreement shall be governed by and construed in accordance with the laws of India without regard to the conflict of law provisions thereof. All claims, differences and disputes arising under or in connection with or in relation hereto the Platform or Services, the Terms or any transactions entered into on or through the Platform or Services shall be subject to the exclusive jurisdiction of the courts at Mumbai, India and you hereby accede to and accept the jurisdiction of such courts. 

29. Miscellaneousi.
The Terms and Conditions are the entire agreement and understanding between you and Company with respect to the Services and usage of Platform. 
ii. If any provision of the Terms and Conditions are found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms and Conditions will otherwise remain in full force and effect and enforceable. 
iii. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. 
iv. The Terms and Conditions are personal to you, and are not assignable or transferable by you except with Company’s prior written consent. Company may assign, transfer or delegate any of its rights and obligations hereunder without any consent.
v. No agency, partnership, joint venture, or employment relationship is created as a result of the Terms and Conditions and neither party has any authority of any kind to bind the other in any respect. 
vi. All notices under the Terms and Conditions will be in writing and will be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or e-mail; or two days after it is sent, if sent for next day delivery by recognized overnight delivery service. 

30. Grievance Redressal Mechanism
Any discrepancies or grievances with regard to content and or comment or breach of the Terms and Conditions shall be taken up with the designated Grievance Officer as mentioned below via in writing or through email signed with the electronic signature to 
Email ID: operations@neo-money.com
Address: Regus Platina, Level 9, C-59, G-Block, BKC, Bandra (East), Mumbai 400051     
 
31. Contact
If you have any questions regarding the Services or usage of the Platform, please contact Company at help@neo-money.com. Please note that for the purpose of validation, you shall be required to provide information (including, but not limited to contact number or registered mobile number, etc.) for the purpose of validation and taking your service request.