Welcome to MONIwise.in (“we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our website located at https://moniwise.in and all related services, features, and content provided by MONIwise.in (collectively, the “Service”).
Acceptance of Terms
By accessing and using our website, you accept and agree to be bound by these Terms and Conditions. If you do not agree to abide by these Terms, please do not use our Service. Your continued use of our website constitutes acceptance of any updates or modifications to these Terms.
Description of Service
MONIwise.in is an educational platform dedicated to providing comprehensive financial education, investment guidance, insurance information, and personal finance content specifically tailored for the Indian market. Our services include:
- Educational articles and guides on investments, trading, and personal finance
- Reviews and comparisons of financial products and services
- Tools and calculators for financial planning
- Newsletter and updates on market trends and financial opportunities
- Community features for financial education and discussion
Use of Website
Permitted Use
You may use our website for:
- Personal, non-commercial educational purposes
- Learning about financial concepts and investment strategies
- Researching financial products and services
- Accessing our tools and calculators for personal financial planning
- Subscribing to our newsletters and updates
Prohibited Use
You may not:
- Copy, reproduce, distribute, or republish our content without written permission
- Use our website for any illegal or unauthorized purpose
- Attempt to gain unauthorized access to our systems or user accounts
- Upload or transmit viruses, malware, or any harmful code
- Engage in any activity that disrupts or interferes with our website's functionality
- Use automated systems (bots, scrapers) to access our content without permission
- Impersonate any person or entity or misrepresent your affiliation
- Harvest email addresses or other personal information from our website
Content and Intellectual Property
Our Content
All content on MONIwise.in, including but not limited to text, graphics, logos, images, videos, audio clips, and software, is the property of MONIwise.in or our content suppliers and is protected by Indian and international copyright laws.
User-Generated Content
If you submit content to our website (comments, feedback, suggestions), you grant us a non-exclusive, royalty-free, perpetual license to use, modify, and distribute such content in connection with our services.
Fair Use
You may quote brief portions of our content for educational, review, or commentary purposes, provided you include proper attribution and link back to the original source.
Financial Information and Disclaimers
Educational Purpose Only
All financial information, analysis, and content provided on MONIwise.in are for educational and informational purposes only. This content should not be considered as:
- Personalized financial advice or investment recommendations
- Professional consultation or advisory services
- Guarantees of investment performance or outcomes
- Replacement for consultation with qualified financial professionals
Investment Risk Warning
Important: All investments carry risk, and past performance does not guarantee future results. The value of investments can go up or down, and you may receive back less than you invested. Market conditions, economic factors, and regulatory changes can significantly impact investment performance.
No Warranty on Information Accuracy
While we strive to provide accurate and up-to-date information, we make no warranties or representations about:
- The accuracy, completeness, or timeliness of our content
- The suitability of any investment or financial strategy for your specific situation
- The performance of any financial product or service mentioned on our website
Third-Party Information
Our website may reference or link to third-party financial products, services, or websites. We do not endorse or guarantee the accuracy of third-party information and are not responsible for their content or practices.
Affiliate Relationships and Disclosure
Affiliate Partnerships
MONIwise.in may receive compensation from companies whose products or services we review or recommend. This may include:
- Commission from referrals to investment platforms, insurance providers, or financial services
- Revenue sharing from affiliate partnerships with financial product providers
- Compensation for sponsored content or advertisements
Editorial Independence
Our affiliate relationships do not compromise our editorial independence or the objectivity of our reviews and recommendations. We maintain strict editorial standards and only recommend products or services that we believe offer genuine value to our readers.
Disclosure Policy
We clearly disclose our affiliate relationships and potential conflicts of interest in our content. Look for disclosure statements in our articles and reviews.
User Accounts and Registration
Account Creation
Some features of our Service may require you to create an account. You are responsible for:
- Providing accurate and complete information during registration
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Notifying us immediately of any unauthorized use of your account
Account Termination
We reserve the right to terminate or suspend accounts that violate these Terms or engage in prohibited activities.
Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices regarding the collection, use, and disclosure of your personal information.
Data Collection
We collect information to provide better services to our users, including:
- Information you provide directly (email subscriptions, contact forms)
- Information we collect automatically (usage data, device information)
- Information from third-party services (analytics, advertising)
Data Use
We use your information to:
- Provide and improve our services
- Send newsletters and updates (with your consent)
- Analyze website usage and optimize user experience
- Comply with legal obligations and protect our rights
Limitation of Liability
No Liability for Financial Losses
MONIwise.in, its owners, employees, and affiliates shall not be liable for any financial losses, investment losses, or damages resulting from:
- Your reliance on information provided on our website
- Investment decisions made based on our content
- Use of financial products or services mentioned on our website
- Technical issues, interruptions, or errors on our website
Maximum Liability
In no event shall our total liability to you exceed the amount paid by you, if any, for accessing our services during the 12 months preceding the claim.
Disclaimer of Warranties
Our Service is provided “as is” and “as available” without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
Indemnification
You agree to indemnify, defend, and hold harmless MONIwise.in and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or related to your use of our Service or violation of these Terms.
Regulatory Compliance
Indian Financial Regulations
MONIwise.in operates in accordance with Indian financial regulations and guidelines, including:
- Securities and Exchange Board of India (SEBI) guidelines for investment advice
- Insurance Regulatory and Development Authority of India (IRDAI) regulations
- Reserve Bank of India (RBI) guidelines for financial services
- Information Technology Act, 2000, and related privacy regulations
Compliance Commitment
We commit to maintaining compliance with applicable Indian laws and regulations governing financial education and content publishing.
Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in [Your City], India.
Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of any changes by:
- Posting the updated Terms on our website with a new “Last Updated” date
- Sending email notifications to registered users for material changes
- Providing reasonable notice through our website or other communications
Your continued use of our Service after any modifications constitutes acceptance of the updated Terms.
Contact Information
If you have any questions about these Terms and Conditions, please contact us:
General Contact: TELELGRAM
Website: https://moniwise.in
Response Time: We typically respond to legal inquiries within 5-7 business days
Additional Provisions
Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and MONIwise.in regarding the use of our Service.
No Waiver
The failure of MONIwise.in to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
Assignment
You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. We may assign or transfer these Terms at our sole discretion.
Specific Disclaimers for Financial Content
Market Volatility
Financial markets are inherently volatile and unpredictable. Past performance of any investment or financial strategy does not guarantee future results.
Regulatory Changes
Financial regulations, tax laws, and market conditions can change rapidly and may affect the relevance or applicability of information on our website.
Personal Circumstances
Financial decisions should always consider your personal circumstances, risk tolerance, financial goals, and time horizon. What works for others may not be suitable for you.
Professional Advice
We strongly recommend consulting with qualified professionals including:
- Certified Financial Planners (CFP) for comprehensive financial planning
- Chartered Accountants (CA) for tax planning and compliance
- Insurance advisors for insurance needs assessment
- Legal professionals for contract and regulatory matters
Effective Date: These Terms and Conditions are effective as of the “Last Updated” date shown at the top of this document.
By using MONIwise.in, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.