FD New User Offer: ₹200 Amazon Voucher - Terms and Conditions

  • Eligibility: New user: This offer is only valid for users who have signed up on InCred Money on or after 22nd Jan 2023. This is applicable for users signing up on the InCred Money FD platform only.
  • FD type: Applicable to bank FDs only. This excludes corporate FDs offered by entities like Shriram, Bajaj Finance, etc., due to regulatory restrictions.
  • Minimum deposit amount: It is applicable for a minimum deposit amount of ₹5,000 and minimum tenure of 1 year.
  • Benefits: Upon meeting the eligibility criteria and successfully opening an FD, you will receive a ₹200 Amazon gift voucher on your registered email ID within 60 days of booking an FD, provided there is no premature withdrawal of the FD before that.
  • Alpha Fintech Private Limited reserves the right, at any time, without prior notice and without assigning any reason whatsoever to add/modify/alter/change and/or withdraw this offer at any time at its sole discretion.
  • Customer unequivocally and irrevocably agrees that in case of any dispute, the decision of Alpha Fintech Private Limited will be final and binding.

InCred Money Pro - Terms and Conditions

  • Eligibility: New user: This offer is applicable for users who make a cumulative deposit of ₹5 lakhs in Fixed Deposits offered on InCred Money (banks or NBFCs).
  • Benefits: Upon investing ₹5 lakhs in FDs on InCred Money, you will be upgraded to InCred Money pro within 7 working days. You will receive an email communicating the same to you.
  • iPhone Lucky winner offer:
    • 5 lucky winners from InCred Money pro members’ list will be selected on a random basis every month for this offer
    • The winners for every month will be announced within 10th of following month
    • The winners will get an iPhone 15 128 GB (colours may vary)
    • Customer should be a registered Customer of InCred Money
    • Customer should be of an age 18 years or above and is of sound mind at the time of being a part of the contest & should have valid proof of identity and age
    • Employees of InCred Money, their immediate family members, InCred Money Affiliates, advisors, advertising/partner agencies are not eligible to enter the Contest
    • Customer should be an individual legal resident of the Republic of India
    • Participation in the Offer is voluntary and free. Participation in the Offer will be construed as acceptance of the Terms & Conditions of the Offer and participants are advised not to participate in the Offer if such Terms & Conditions are not acceptable. Alpha Fintech Private Limited is not charging anything from the customer for their participation in the offer
    • The reward under no circumstances will be settled in Cash and cannot be transferred.
    • This is an electronic record in terms of Information Technology Act, 2000, and the Rules thereunder as applicable and the amended provisions pertaining to electronic records in various 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.
    • Alpha Fintech Private Limited reserves the right, at any time, without prior notice and without assigning any reason whatsoever to add/modify/alter/change and/or withdraw this offer at any time at its sole discretion.
    • Customer unequivocally and irrevocably agrees that in case of any dispute, the decision of Alpha Fintech Private Limited will be final and binding.
    • The competent Court at Mumbai shall have the exclusive jurisdiction for any matter or dispute relating to Alpha Fintech Private Limited.
    • This offer/scheme shall be subjected to all applicable central/or state laws, rules and regulations
    • Any defects in goods or deficiency in services or any claims, issues, damages or losses arising therefrom with respect to the Product/Services shall be the sole responsibility and liability of the manufacturer/Seller or the Service Provider, as the case may be. InCred Money will not be responsible for any damages or replacement or service of the product

FD referral offer - Terms and Conditions

  • Terminology:
    • Original referrer/Original user - Existing InCred Money customer that invites friends/family to join InCred Money FD platform
    • New referral/Friend - One who signs up on InCred Money using the FD referral link
  • Referral Incentive for original referrer:
    • The friend will need to use the referral link while signing up to be tagged as referral in the original referrer’s dashboard.
    • There is no limit on the number of friends you can refer
    • Referral incentive for the original user will be paid out in the form of Amazon vouchers and cannot be cashed under any circumstances
    • Referral incentive for every month will be paid out by the 10th of the following month

Other terms and conditions for FD referral program:

  • We reserve the right to extend or cancel this FD Referral Program or alter the eligibility criteria at any time and for any reason at our own discretion.
  • When your referral makes their first FD investment, you will receive the referral reward as per the below reward structure:
    • ₹300 for 1st friend booking first FD
    • ₹400 for 2nd friend booking first FD
    • ₹500 for 3rd friend booking first FD
    • ₹500 for 4th friend booking first FD
    • And so on
  • The InCred Money FD Referral Program is solely intended for personal use of the referrer. The FD referral link may only be shared with your personal contacts and not the public at large. Spamming the referral link or soliciting potential referral contacts through search engine marketing, other advertising channels, or by building websites to generate traffic to the referral link is strictly prohibited.
  • The investment activity (including investment amount, date of investment, status of KYC & other) of users who joined using a referral link will be shared with the corresponding original referrer for transparency and incentive calculation purposes
  • The FD referral program may be subject to regulatory norms in force and may be discontinued under any regulatory directions or for any other reason, without giving any prior intimation to the customer. Two or more incentive programs cannot be clubbed together.
  • We reserve the right to cancel the reward or disqualify anyone for any fraud, breach of these terms or if our refund threshold is exceeded.
  • The FD Referral Program program is managed by InCred Money and no third party is associated with this program.
  • The FD Referral program is different from Bonds referral program. These are 2 separate referral programs and the user referred via 1 referral program will continue in the same referral program. Ex. User A refers to User B via FD referral link. User A will receive incentive only for the first FD transaction made by B and will not be entitled to incentive for B's Bond transactions.

Bonds referral offer - Terms and Conditions

  • Terminology:
    • Original referrer/Original user - Existing InCred Money customer that invites friends/family to join InCred Money Bonds platform
    • New referral/Friend - One who signs up on InCred Money using the Bonds referral link
  • Referral Incentive for original referrer:
    • KYC is mandatory for users to refer their friends & family to the InCred Money bonds platform. Referral link is activated once the KYC is accepted.
    • The friend will need to use the referral link while signing up to be tagged as referral in the original referrer’s dashboard.
    • There is no limit on the number of friends you can refer
    • Original user will get ₹1,000 incentive upon the friend’s first investment in bonds. This ₹1,000 incentive is only upon the first bonds investment of the friend but not on subsequent investments or transactions.
    • In addition to the above mentioned ₹1,000 incentive, the original referrer is eligible for 0.25% 1% of the friend’s investment amount, for investments made up to 1 year from the date of friend’s signup.
    • In case of a friend's investment in NCD IPO, the original referrer is only eligible for. 0.25% 1% of friends allotted bids amount, for investments made up to 1 year from the date of friend’s signup.
    • There is a limit of ₹15,000 ₹25,000 incentive per friend; this is over and above the ₹1,000 incentive that is earned upon a friend's first transaction.
    • Referral incentive for the original user will be paid out in the form of Amazon vouchers.
    • Referral incentive for every month will be paid out by the 10th of the following month

Other terms and conditions for Bonds referral program:

  • There is no limit to the benefit/discount on the first investment as a part of the offer
  • We reserve the right to extend or cancel this Bonds Referral Program or alter the eligibility criteria at any time and for any reason at our own discretion.
  • The InCred Money Bonds Referral Program is solely intended for personal use of the referrer. The Bonds referral link may only be shared with your personal contacts and not the public at large. Spamming the referral link or soliciting potential referral contacts through search engine marketing, other advertising channels, or by building websites to generate traffic to the referral link is strictly prohibited.
  • The investment activity (including investment amount, date of investment, status of KYC & other) of users who joined using a referral link will be shared with the corresponding original referrer for transparency and incentive calculation purposes
  • The Bonds referral program may be subject to regulatory norms in force and may be discontinued under any regulatory directions or for any other reason, without giving any prior intimation to the customer. Two or more incentive programs cannot be clubbed together.
  • We reserve the right to cancel the reward or disqualify anyone for any fraud, breach of these terms or if our refund threshold is exceeded.
  • The Bonds Referral Program program is managed by InCred Money and no third party is associated with this program.
  • The Bonds Referral program is different from FD referral program. These are 2 separate referral programs and the user referred via 1 referral program will continue in the same referral program. Ex. User A refers to User B via Bonds referral link. User A will receive incentive only for B's Bonds transactions and will not receive incentive for B's FD transactions.

Terms and Conditions for the Liquidation Program

  1. 'Anytime Liquidity' feature offers liquidity to investors only after 21 days from their order processed date.
  2. Cost of liquidity provided is 2% of the latest market to market price per unit.

For Corporate Bonds

Please follow the steps for Liquidating your Bond. If any step is pending, the liquidation will remain incomplete:

Step 1 - Enter the units that you want to liquidate and click on ‘Request Quote’. You can liquidate any number of units up to a maximum of the total free units available. You will now get an OTP on your Mobile and Email. Input the OTP to confirm your request. Liquidation is then confirmed, and the Liquidation price will be frozen.

Step 2 - Once the redemption amount is finalised, you will have to complete the transaction through your broker platform which is linked to your DEMAT account. On the 3rd working day post confirming the Liquidation (T+3 basis), the investor will have to place a Sell Order through their Broker at the liquidation price and units confirmed in the earlier step.

This order will be accepted from our side and once the order is matched on the Stock Exchange, the units will be debited from your DEMAT account. You will receive the funds in your account as per stock exchange regulations.

Important Note : The price of the bond and the redemption amount will be frozen irrespective of whether the transaction in Step 4 is concluded or not through the broker platform. If you have missed concluding the transaction at the designated date, you can contact our Customer support team and we will arrange for the transaction to be concluded on another date at the same price and redemption amount frozen earlier.

For Market Linked Debentures

Please follow the steps for Liquidating your MLD. If any step is pending, the liquidation will remain incomplete:

Step 1 - Enter the units that you want to liquidate and click on ‘Request Quote’. You can liquidate any number of units up to a maximum of the total free units available. You will now get an OTP on your Mobile and Email. Input the OTP to confirm your request. Once confirmed, you will get a fresh quote for Liquidation within 1 working day.

Step 2 -You will receive a notification once the fresh quote is ready, and you can complete the liquidation process by logging in on the InCred Money platform. Once logged in, visit the ‘Recent Transactions’ section on the asset that you are looking to liquidate. Click on ‘Quote Ready’ to check the fresh quote. You may accept the quote by clicking on ‘Liquidate Now’. This quote will be refreshed based on market movements till the time it is accepted by clicking ‘Liquidate Now’. This quote will be visible only during Market hours. On clicking the ‘Cancel Now’ button the quote will become invalid, and the request will stand cancelled.

Step 3 -Once you click on ‘Liquidate Now’, another OTP will be generated which you will receive on your Email and Mobile. Once you input this OTP, Liquidation is confirmed at the liquidation price, the redemption amount will be finalised.

Step 4 -Once the redemption amount is finalised, you will have to complete the transaction through your broker platform which is linked to your DEMAT account. On the 3rd working day post confirming the Liquidation (T+3 basis), the investor will have to place a Sell Order through their Broker at the liquidation price and units confirmed in the earlier step.

This order will be accepted from our side and once the order is matched on the Stock Exchange, the units will be debited from your DEMAT account. You will receive the funds in your account as per stock exchange regulations.

Important Note :The price of the MLD and the redemption amount will be frozen irrespective of whether the transaction in Step 4 is concluded or not through the broker platform. If you have missed concluding the transaction at the designated date, you can contact our Customer support team and we will arrange for the transaction to be concluded on another date at the same price and redemption amount frozen earlier.

Refunds

All refunds will be processed within 7 working days. For any queries please write to connect@incredmoney.com

Terms & Conditions for New Customer Offer

  • Customers are eligible to avail Offer Benefit of 0.25% extra returns on their 1st investment only if they have successfully verified their KYC within 7 days of Sign Up. Please Note: The Offer Benefit expires after 30 days from successful KYC verification
  • The above Offer benefit is not applicable for IPO investments
  • If customers first investment is in IPO, then they are still eligible to get the above offer benefit on their first investment of Bond or MLD

Terms & Conditions for the Referral Program:

Terminology:

Original referrer/Original user - Existing InCred Money customer that invites friends/family to join InCred money platform
New referral/Friend - One who joins InCred Money using the referral code or referral link

Referral Incentive for original referrer:

  • KYC is mandatory for users to refer their friends & family to the InCred Money platform. Referral code or link is activated once the KYC is accepted.
  • The friend will need to use the referral link or apply the referral code while signing up to be tagged as referral in the original referrer’s dashboard.
  • There is no limit on the number of friends you can refer.
  • Original user will get ₹1,000 incentive upon the friend’s first investment. This ₹1,000 incentive is only upon the first investment of the friend but not on subsequent investments or transactions.
  • In addition to the above mentioned ₹1,000 incentive, the original referrer is eligible for 0.25% of the friend’s investment amount, for investments made up to 1 year from the date of friend’s signup.
  • Incase of friend’s investment in IPO, the original referrer is only eligible for 0.25% of friends allotted bids amount, for investments made up to 1 year from the date of friend’s signup.
  • There is a limit of ₹15,000 incentive per friend; this is over and above the ₹1,000 incentive that is earned upon friend’s first transaction.
  • Referral incentive for the original user will be paid out in the form of Amazon vouchers for now.
  • Referral incentive for every month will be paid out by the 10th of the following month

Other terms and conditions for referral program:

  • There is no limit to the benefit/discount on the first investment as a part of the offer
  • We reserve the right to extend or cancel this Referral Program or alter the eligibility criteria at any time and for any reason at our own discretion.
  • The InCred Money Referral Program is solely intended for personal use of the referrer. The referral link may only be shared with your personal contacts and not the public at large. Spamming the referral link or soliciting potential referral contacts through search engine marketing, other advertising channels, or by building websites to generate traffic to the referral link is strictly prohibited.
  • The investment activity (including investment amount, date of investment, status of KYC & other) of users who joined using a referral link will be shared with the corresponding original referrer for transparency and incentive calculation purposes
  • The referral program may be subject to regulatory norms in force and may be discontinued under any regulatory directions or for any other reason, without giving any prior intimation to the customer. Two or more incentive programs cannot be clubbed together.
  • We reserve the right to cancel the reward or disqualify anyone for any fraud, breach of these terms or if our refund threshold is exceeded.
  • The Referral Program program is managed by InCred Money and no third party is associated with this program.
  • The Bonds Referral program is different from FD referral program. These are 2 separate referral programs and the user referred via 1 referral program will continue in the same referral program. Ex. User A refers to User B via Bonds referral link. User A will receive incentive only for B's Bonds transactions and will not receive incentive for B's FD transactions.

Terms and Conditions for the launch waitlist offer:

  • Offer is valid for the first 5,000 subscribers
  • Eligible users of the launch waitlist offer will get 12.5% p.a. returns (XIRR) on their investment amount, which is 0.5% p.a. additional returns above the regular rate of 12.0% p.a.
  • All InCred Group employees will get 0.25% p.a. extra returns on their investment amount. i.e.InCred Group employees who are also a part of the launch waitlist offer will get 12.75% p.a. returns (XIRR), and those who are not a part of the waitlist offer will get a regular rate of 12.25% p.a. returns (XIRR)
  • Offer is valid only for the first bond issue on the InCred Money platform. Offer is not applicable for subsequent bonds issued on the InCred Money platform
  • Waitlist benefit is applicable on a total investment amount up to ₹10 lakh
  • Offer is valid only till the bond units last. Units will be allotted on a first come first serve basis
  • Waitlist benefit will be auto added at the time of checkout
  • On the purchase of a subsequent unit, where the total investment amount crosses ₹10 lakh, the regular rate of 12.0% (without waitlist offer) will be applied on the subsequent unit.
  • Waitlist benefit table:
Total InvestmentAmount for which the offer benefit is applicableRegular rateAdditional waitlist benefit (over the regular rate)Launch waitlist offer rate
1,00,0001,00,00012%0.50%12.50%
2,00,0002,00,00012%0.50%12.50%
3,00,0003,00,00012%0.50%12.50%
4,00,0004,00,00012%0.50%12.50%
5,00,0005,00,00012%0.50%12.50%
6,00,0006,00,00012%0.50%12.50%
7,00,0007,00,00012%0.50%12.50%
8,00,0008,00,00012%0.50%12.50%
9,00,0009,00,00012%0.50%12.50%
10,00,00010,00,00012%0.50%12.50%
11,00,00010,00,00012%0.45%12.45%
12,00,00010,00,00012%0.42%12.42%
13,00,00010,00,00012%0.38%12.38%
15,00,00010,00,00012%0.33%12.33%
20,00,00010,00,00012%0.25%12.25%

Alpha Fintech Private Limited hereinafter referred to as “Alpha”, “InCred Money”, “We” or “The Company” offers the users of our website and application (www.incredmoney.com) (“Subscriber” or “You”) the opportunity to participate in its waitlist and referral program (the “Program”). We reserve the right to amend or terminate the Program at any time, for any reason. The Program is administered by Alpha.

To be "Eligible," user must:
  • Be a legal resident of India; and
  • Be at least 18 years old.
  • An unregistered user of the Platform
Verified Qualified Subscriber

Rewards are subject to verification. The Company may delay a Reward for the purposes of investigation. The company may also refuse to verify and process any transaction the Company deems, in its sole discretion, to be fraudulent, suspicious, in violation of these Terms and Conditions, or believe’s will impose potential liability on the Company, its subsidiaries, affiliates or any of their respective officers, directors, employees, representatives and agents. All of the Company's decisions are final and binding, including decisions as to whether a Qualified Subscriber is verified.

Transfer and Value of Credit and Rewards

Rewards may not be redeemed for cash. Rewards are not transferable and may not be auctioned, traded, bartered or sold. Upon termination of the referral program or any portion thereof for any reason, any unredeemed Rewards that have not yet been delivered to Subscriber are forfeited.

Terms and Conditions

This document is an electronic record in terms of Information Technology Act, 2000 and rules made there under as applicable and the amended provisions pertaining to electronic records in various 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. This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and Terms and Conditions for access or usage of www.incredmoney.com website or its iOS and android applications.

The domain name ‘www.incredmoney.com’ (hereinafter referred to as "Website" or "the Site") is owned and operated by Oro Financial Consultants Pvt Ltd and /or Alpha Fintech Pvt Limited and/or its subsidiaries ("Company", "InCred Money", "we", "us", "InCred Money”). Your access to the Site is `subject to the terms, conditions and disclaimers appearing on the Site ("Terms and Conditions"), and all applicable laws. By accessing, browsing and/or using the Site, you accept, without limitation or qualification, the Terms and Conditions, which together with our privacy policy and any other applicable policies which are incorporated herein by way of reference or available by hyperlink on the Site, shall govern InCred Money’s relationship with you in relation to this Site. Accessing InCred Money on its online technology platform through any medium, including but not limited to the website, on mobile phones and such other devices, is also subject to these Terms & Conditions. These Terms & Conditions supersede all previous oral and written terms and conditions (if any) communicated to you and shall act as an Agreement between InCred Money and users.

Minimum Age: You must be 18 years of age or older to use the Site. It is not intended for those under the age of 18. You represent and warrant that you are 18 years of age or older and are fully able and competent to enter into, and abide by, the contract created by the Terms and Conditions.

Terms and Conditions Cover All Users: By using the Site, you agree to be bound by the Terms and Conditions, whether you are a "visitor" (which means that you simply browse the Site) or you are a "registered user" (which means that you have an Investment Account with the Site to avail the Services or any part thereof, as provided on the Site). Each time you use the Site, the current version of the Terms and Conditions will apply. Accordingly, when you use the Site, you should check and review any changes since the last version. Please review carefully all of the Site's Terms and Conditions before agreeing to them and accessing the Site by reading through all of the sections appearing below and reviewing all of the linked Terms and Conditions:

1. Definitions:
  1. "AMC" shall mean and include Asset Management Company.
  2. "InCred Money" or "us" or "we" or "our" or "InCred Money" or "Company" shall mean and refer to Oro Financial Consultants Pvt Limited. and its subsidiaries
  3. "Use" or "Using" means to browse, access, view, copy, availing Services or other benefit from using the Site;
  4. "Services" means the service of access to the distribution network of InCred Money through its online technology platform for the purchase, switch and redemptions of units of mutual funds listed on the InCred Money Website by users, on the terms and conditions as mentioned.
  5. "Force Majeure Event" means any event due to any cause beyond the reasonable control of InCred Money, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.
  6. "The Site" or "Website" or "InCred Money Website" means www.incredmoney.com which includes, any other platform where the Site can be accessed from on mobile phones and such other devices, like, mobile application (whether or not on android or IOS) or any other platform as provided by InCred Money.
  7. "Registered User/Registered user/ registered user" shall mean and include the visitors who have Investment Account with the Site to avail the Services or any part thereof, as provided on the Site.
  8. "SIP" shall mean Systematic Investment Plans.
  9. "NAV" shall mean Net Asset Value.
  10. "Account" shall mean the account opened with InCred Money by registered users, for use of the Site or making investment through the Site.
  11. "Vendors" shall mean all third-party service providers employed by either InCred Money or AMCs to deliver Services to users. Such vendors include, but are not limited to payment gateway provider, web-based transactions aggregator etc. Website Use User acknowledges that in accessing and using the Services offered by InCred Money, user may utilize the content and Services offered on the InCred Money website. User agrees to follow the terms and conditions for the use of InCred Money website as may be specified on the Site from time to time. Notwithstanding such acceptance of the InCred Money website Terms, user acknowledges and agrees to the following, that:
  12. User Account will be activated after InCred Money completes the verification process on the personal information provided at the time of enrolment and in accordance with the.
    • Know Your Client ("KYC") guidelines issued by the Securities and Exchange Board of India ("SEBI").
    • Common Account Number ("CAN") requirements as prescribed by AMCs and/or their vendors.
  13. User shall not to copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer or in any way exploit any part of any information, content, materials, services available from or through the Site, except that which user may download for personal, non‐commercial use.
  14. User will not use the Site for any purpose that is unlawful, or prohibited by these Terms. User also agree that user will not use the Site in any manner that could damage, disable or impair the Site or interfere with any other person’s use or enjoyment of InCred Money website.
  15. The software and hardware underlying the Site as well as other internet related software which are required for accessing the Site are the legal property of the respective vendors. The permission given by InCred Money to access the Websites will not convey any proprietary or ownership rights in the above software/ hardware. User agree that User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software/hardware underlying the Site or create any derivative product based on the software / hardware.
  16. The data and information provided on the Site does not constitute advice and shall not be relied upon by the user while making investment decisions.
  17. InCred Money does not, and is not obliged to, offer all mutual fund schemes for investment. By limiting the number of schemes on the Site, InCred Money does not make any representation as to the quality, bona fides or nature of any AMC or mutual fund scheme, or any other representation, warranty or guaranty, express or implied.
  18. User agrees that the information and assistance provided on the InCred Money website are true to the knowledge of InCred Money and should not be construed as investment advice, and that InCred Money shall have no liability for any discrepancy in any such information or assistance.
  19. InCred Money is not responsible for the availability of content or other services on third party sites linked from the InCred Money website. User agrees and is aware that access of hyperlinks to other internet sites are at user’s own risk and the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored or endorsed by InCred Money in any way. InCred Money does not make any warranties and expressly disclaims all warranties express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non‐ infringement with respect to any information or services or products that are available or advertised or sold through these third party websites.
  20. InCred Money has the absolute discretion to amend or supplement any of the InCred Money website Terms at any time without prior notice for such changes. Any such amendment shall be effective immediately. It shall be User’s responsibility to review these Terms and Conditions periodically for any updates/changes.
  21. An account may be created offline, without accessing the InCred Money website. In the event User creates an investment account offline, user understands and acknowledges that these Terms and Conditions for use of the InCred Money website will continue to be applicable to user for the use of the Services.
  22. Mere use of the Website, shall be construed as your intent to contract with us and shall constitute your binding obligations, with us.
  23. User understands that it is user’s responsibility to check the InCred Money website Terms carefully before accessing or using or transacting on our website.
  24. As long as User complies with these Terms and Conditions, we grant user a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site. User acknowledges and understands that use of the Site shall be at your own risk and has the discretion of not using the Site.
  25. InCred Money shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of the InCred Money to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event and in such case its obligations shall be suspended for so long as the Force Majeure event continues.
  26. All information, content, materials, products (including, but not limited to text, content, photographs, graphics, video and audio content) on the InCred Money website is protected by copyright in the favour of InCred Money under applicable copyright laws and is also protected otherwise under general intellectual property law.
  27. All information submitted by user to InCred Money whether through the InCred Money website or otherwise shall be deemed to be the property of InCred Money, and InCred Money shall be free to use any ideas, concepts, know‐how or techniques provided by such users at the InCred Money website, in any manner whatsoever.
  28. Not all the products and services offered on InCred Money’s website are available in all geographic areas and user may not be eligible for all the products or services offered by InCred Money on the Site. InCred Money reserves the right to determine the availability and eligibility for any product or service.
2. Availing of Services

Service(s) shall be availed in accordance with the Terms and Conditions mentioned herein. User agree that InCred Money and / or the mutual fund and/or the vendors may at their sole discretion vary the terms and conditions or withdraw any of the facilities provided herein from time to time. User hereby irrevocably and unconditionally grants no objection to InCred Money and the respective mutual funds and their vendors to collate the transaction details relating to the investments in mutual fund units done by user on the online technology platform of InCred Money and transmit such transaction data to the concerned AMC / mutual fund or vendors for further processing of user transactions.

3. Registration of the User

Access to the distribution network of InCred Money for the transactions of purchase, switch and redemption of mutual fund units will be granted by InCred Money only to registered users of InCred Money, post the enrolment for the Services. User agrees and acknowledges that the Services provided herein are presently available in respect of select Mutual Funds only with whom or with whose vendors InCred Money has entered into a separate arrangement. Registered users will be able to only purchase, redeem and switch mutual fund units through this service. User shall provide the required details and the documents for the purpose of the registration and enrolment:

User shall provide the required details and the documents for the purpose of the registration and enrolment:

  1. For the purpose of registering on the Site:
    1. Name, Email address and Mobile number to be provided.
    2. Password to be created.
    3. Third party account credentials in case the user decides to sign in to Services through a third party site or service.
  2. In case the user is not compliant with SEBI Know Your Client ("KYC") guidelines and/or does not have a Common Account Number ("CAN") then, either some or all of the following details and documents may be required for the purpose of enrolment and using the Services of InCred Money:
    1. Pan Card details
    2. Address Proof
    3. Bank Account Details
    4. Bank Account proof
    5. KYC proof

The above provided information/details shall be uploaded by the User in soft copy form on the Website at the time of enrolment. Once the information is received by InCred Money, InCred Money shall co-ordinate with the User, for obtaining self-attested hard copies from the registered users. Upon completion of the attestation requirements, the documents shall be provided to the concerned regulatory authority/AMCs or their vendors for the purpose of opening an account for the transaction to be made by the users.

Kindly Note: In the event, if any discrepancy is found, in any of the information provided by the user, for example, information in any of the documents provide does not match with the adjoining documents, such mismatch shall lead to the rejection of the documents. The privacy of the documents provided or any such personally identifiable information provided to InCred Money, shall be maintained in accordance to the privacy policy of the website.

User agree and understand that no change of address, mobile no., e‐mail id and / or bank details can be allowed for such accounts, unless a duly signed hard copy of such written request is sent to the AMC / Mutual Funds or their vendors for signature verification and other formalities. User agree that any and / or all information that may be provided by you to InCred Money from time to time, including but not limited to contact information, address and tax‐related information or any other information required under existing or future KYC, CAN or other norms and laws, may be shared by InCred Money with the mutual funds/AMCs or their vendors, legal and tax consultants in compliance with the extant legal provisions from time to time.

There may be an exit load applicable to certain mutual fund schemes which is mentioned in the respective offer documents including Scheme Information Document (SID) /Key Information Memorandum (KIM) and addendums issued thereto from time to time (collectively referred to as "scheme related documents"). User shall read all the scheme related documents before investing.

Investments from persons from the country other than India may not be permitted in certain mutual funds. InCred Money/ AMCs/ their vendors/their respective trustee companies shall not be liable for rejection of an application by mutual funds, where the investor is a person from a country other than India or such other prohibited investor as may be specified in the respective scheme related documents from time to time.

Purchase requests made through InCred Money’s online technology platform shall be processed by the respective mutual funds/AMCs only after funds sufficient to cover the purchase price and other costs and charges have been received by the respective mutual funds/AMCs. Payments towards the purchase price and other costs and charges shall be made by the registered users directly in the name of the respective mutual fund scheme(s) through the payment gateway made available by InCred Money and/or vendors. If for any reason the mutual fund is unable to allow a transaction for purchase or redemption of the full quantity of units such as transacted by a registered user through the online technology platform of InCred Money, the respective mutual fund/AMCs shall be entitled to process a lesser quantity of units being purchased or redeemed (as the case may be) by such registered user. In such a case, neither InCred Money nor the AMCs, their respective trustees shall be responsible for the non‐execution of transactions for the entire quantity or the remaining quantity of units.

Transaction rights for SIPs will be pursuant to the registered user executing the instructions, in the manner and form as prescribed by InCred Money and/or vendors and / or mutual funds on the online technology platform from time to time. The instructions will be applicable to all SIP transactions whether presently existing or to be opened in future. User agrees that, upon granting such instructions for SIP transactions, user will be bound by the terms of the relevant SIP scheme of the mutual fund to which user subscribes.

User agrees and acknowledges that any transaction done or purported to be done by user before the cut off times on a business day as may be intimated by InCred Money to user from time to time, would be processed on the same day. Any transactions done on the online technology platform of InCred Money after the prescribed cut off time will be deemed to be received on the next working day and will be processed accordingly.

User acknowledges that the units of the scheme shall be allotted, redeemed or switched, as the case may be, by the respective mutual funds / AMCs at the applicable NAV of the concerned mutual fund scheme as specified by InCred Money and consistent with the terms of the Scheme. However, InCred Money shall not be liable for any loss that may arise to user as a result of incorrect NAV applied on units allotted to user by the mutual fund.

User acknowledges that any transactions done on a holiday would be processed on the next business day and the NAV would be applicable as per the respective scheme related documents.

User acknowledges that transactions once placed cannot be cancelled. However, user can withdraw the mutual funds or the mutual fund units, under the following two options:

  1. User can decide which mutual fund or the number of units of Mutual fund to be sold;
  2. User can sell the mutual fund or the units of Mutual fund by himself;

Upon such withdrawal of the mutual fund or the units of Mutual fund, the settlement amount towards the mutual fund or the units of Mutual fund shall be credited to the registered account of the user within 2-3 bank working days as per industry standard timelines.

User acknowledges that any application for redemption, purchase or exchange or any other instruction must be correct, complete, clear and unambiguous in all respects and should conform to the prescribed procedure/documentation and regulatory requirements, failing which, Oro /AMC/vendor reserve the right to reject the same and in such a case Oro/AMC/vendor/trustee shall not be responsible for any consequence arising there from.

User has read and understood the contents of the Scheme related Document and the details of the scheme and you have not received or been induced by any rebate or gifts, directly or indirectly, in making investment. User hereby declares that the amount invested/to be invested by you in the scheme(s) of Mutual Fund (s) is derived through legitimate sources and is not held or designed for the purpose of contravention of any act, rules, regulations or any statute or legislation or any other applicable laws or any notifications, directions issued by any governmental or statutory authority from time to time.

4. Link to Third Party

Link to Third Party InCred Money may provide you links to third party services ("Third Party Services"). You agree to use the Services at your sole risk and that we shall not have any liability to you for content that may be found to be offensive, indecent, or objectionable. User understands that certain Services may display, include or make available content, data, information, applications or materials from third parties ("Third Party Materials") or provide links to certain third party websites. By using the Third Party Services, you acknowledge and agree that InCred Money is not responsible for examining or evaluating the content, accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect of such Third Party Materials or websites. InCred Money DOES NOT WARRANT OR ENDORSE AND DOES NOT ASSUME AND WILL NOT HAVE ANY LIABILITY OR RESPONSIBILITY TO YOU OR ANY OTHER PERSON FOR ANY THIRD PARTY SERVICES, THIRD PARTY MATERIALS OR WEB SITES, OR FOR ANY OTHER MATERIALS, PRODUCTS, OR SERVICES OF THIRD PARTIES.

5. No Objection from the User(s)

User acknowledges and grants no objection to InCred Money to do or place transaction requests for the User on the online technology platform of InCred Money and at user’s own risk and cost, all or any of the following acts, deeds matters and things:

  1. To forward user transaction data and requests to the respective mutual funds/AMCs/vendors with respect to the instructions and orders of sale, purchase, transfer, splitting and consolidation of mutual funds units.
  2. To transmit to the mutual fund and/or the corresponding AMC and/or their vendors, information relating to user nomination/changes in investment plan/ any other changes made through the online platform.
  3. To obtain and forward to the AMC/its Authorized Registrar user’s information as available in the KYC records, including user signature(s). User agrees that such records may be used by the AMC/Authorised Registrar for authorizing the transactions that may be submitted by user in physical/offline mode.
  4. To contact user regarding matters pertaining to the operation of user account including, but not limited to, servicing of users requests, communication of special offers, new product launches and product recommendations. This consent will override any registration for Do Not Call ("DNC") / National Do Not Call ("NDNC").
  5. To obtain user's information as available in KYC records including user's signature to provide various services for user's benefit.
6. Account Statement

User agrees and acknowledges that it shall be the obligation of the AMC and not of InCred Money to regularly send to the Registered Customer such communications as required under the SEBI Regulations.

7. Fees and Charges

While currently, InCred Money charges a fee for the offered Services, user acknowledges that InCred Money reserves the right to charge a different fees in the future for the Services or any other services offered by InCred Money. Any such changes will be communicated by InCred Money via email 30 days ahead of implementation, and will be displayed on the InCred Money website. Under such circumstances, user has the option to transfer its assets out of its Account without incurring any costs payable to InCred Money. User agrees and understands that any such charges/fees that InCred Money may choose to levy will be in addition to those levied by the AMCs, if any. All fees, charges and reimbursement of expenditure shall be paid or made in full by user without any counter claim, set off or withholding. All liabilities and obligations of the registered user(s) hereunder to InCred Money/mutual fund/AMCs/vendors/trustees of the AMC shall be joint and/or several, as the case may be.

8. LIABILITY OF InCred Money
  1. InCred Money shall not in absence of gross negligence on the part of InCred Money, be liable to user for any act, omission or delay by the mutual fund or for any claims which user may suffer or incur as a result of or in course or discharge by InCred Money or its employees, officers, directors, nominee or agent of InCred Money’s duties. Without prejudice to the above, InCred Money shall not be held liable for any loss or damage or failure to comply or delay in complying with its obligations under these Terms and Conditions which is caused directly or indirectly by any event or circumstances beyond InCred Money’s reasonable control. These include system failure, network errors, delay or loss of data due to the above and in circumstances of acts of God, floods, epidemics, quarantine, riot, civil commotion and/or war.
  2. User further agrees that InCred Money shall not be held liable for any losses, damages, expenses, costs, liabilities and claims of whatsoever nature caused by fraudulent or unauthorized use or access of user information, and/or signatures.
  3. InCred Money will be under no duty to verify compliance with any restrictions on user’s investment powers.
  4. InCred Money will not be liable for any loss, damage, cost, charges or expenses directly or indirectly caused by reasons of any defects or imperfections or mechanical or other failure with relation to computer, cable, telex, telephone or postal system. While InCred Money will make every effort to have its computer systems available at all times, InCred Money makes no guarantees with respect to the availability of such systems. InCred Money will make every effort to resolve availability issues such as network problems, virus attacks etc. in an expeditious manner. Notwithstanding these, InCred Money will as such not be liable for any loss, damage, cost, charges or expenses directly or indirectly caused by reasons of lack of such availability.
  5. InCred Money shall not be liable for any loss or damage caused by reason of failures or delay of the mutual fund and/or its authorised service provider to deliver any units purchased even though payments have been made for the same, or failure or delay in making payment in respect of any units sold, though they may have been delivered and user shall hold InCred Money harmless and free from any claim in respect thereof. InCred Money shall also not be liable for any delay, failure or refusal of the mutual fund and/or its authorised service provider in registering or transferring units to user names or for any interest, dividend or other loss caused to user arising there from.
9. ONLINE PAYMENT – PAYMENT GATEWAY TERMS

The funds transfer for purchase of units of mutual funds will be done by using an Electronic Payment Gateway facility, ONLY internet banking facility shall be offered for transaction on the Site, through a third party net banking service provider registered with the Reserve Bank of India. User cannot use or permit the use of the payment gateway or any related services for any illegal or improper purposes. Users shall utilize the Electronic Payment Gateway at their own risk. These risks would include but not be limited to the following risks and InCred Money/AMC/trustees of the AMC/any vendor, disclaim all liability and responsibility for any claims, losses, damages, costs of what so ever nature arising due to such risks:

  1. Misuse of Password: If any third party obtains access to user password of the InCred Money Account, such third party would be able to transact on InCred Money’s online technology platform. User shall ensure that the terms and conditions applicable to the use of the Net Banking password as contained in the Electronic Payment Gateway for Net Banking are complied with at all times.
  2. Internet Frauds: The Internet per se is susceptible to a number of frauds, misuse, hacking and other actions, which could affect payment instructions given using Electronic Payment Gateway or the transactions done using InCred Money’s online technology platform. Whilst InCred Money shall aim to provide security to prevent the same, there cannot be any guarantee against such Internet frauds, hacking and other actions. User shall separately evolve/evaluate all risks arising out of the same.
  3. Mistakes and Errors: The filling in of applicable data for transfer would require proper, accurate and complete details. In the event of user account receiving an incorrect credit by reason of a mistake committed by any third party, the concerned mutual fund/AMC or the bank shall be entitled to reverse the incorrect credit at any time whatsoever without the consent of the User. User shall be liable and responsible to InCred Money/ concerned mutual fund /concerned AMC and accede to accept instructions without questions for any unfair or unjust gain obtained by InCred Money/ concerned mutual fund /concerned AMC as a result of the same.
  4. Technology Risks: The technology for enabling the transfer of funds and the other services offered by the Electronic Payment, InCred Money and any vendors could be affected by virus or other malicious, destructive or corrupting code, program or macro. The site of InCred Money, vendors or the bank may require maintenance and during such time it may not be possible to process the user request. This could result in delays in the processing of transactions/payment instructions or failure in the processing of transactions/payment instructions and other such failures and inability. User understand that InCred Money disclaims all and any liability, whether direct or indirect, whether arising out of loss of profit or otherwise arising out of any failure or inability by InCred Money/bank/mutual funds/AMCS/vendors to process any transaction/payment instructions for whatsoever reason. InCred Money/AMC/trustee company of the AMC, authorised registrars of the AMC and/or any vendors shall not be responsible for any of the aforesaid risks.
  5. Limits: InCred Money may from time to time impose maximum and minimum limits on funds that may be transferred by virtue of the payment transfer service given. User realizes and accepts and agrees that the same is to reduce the risks of the user. User shall be bound by such limits imposed and shall strictly comply with them.
  6. Indemnity: User shall indemnify InCred Money/mutual funds/AMCs/trustees to the AMCs/authorized registrar of the AMC/ vendors from and against all losses and damages that may be caused as a consequence of breach of any of the Electronic Payment Gateway for net banking and the terms and conditions mentioned herein above.
  7. Authentication of the Transaction: User is authorized to make transaction only with and from the bank account(s) registered on the Site. Banks have all the right to cancel, reject and/or unauthorize the transaction made by the user, from any other account, details of which is not registered or provided to InCred Money. Such payment which is rejected by the banks shall be notified or intimated to the user, in the morning of the next business day.
  8. Transaction Verification: The transaction made by the user, whether approved or rejected, using the Site shall be subject to the following level of verifications:
  9. InCred Money level: Transaction to be rejected in case the bank account though which the payment is made, is not registered with InCred Money;
  10. Transactions aggregator Level: Transaction made from the bank account which is different from the account details provided by InCred Money to the transactions aggregator.
  11. AMC Level: Final, rejection shall be made by the AMC, upon receiving the transaction details.
  12. Withdrawal of Facility: InCred Money shall be entitled to withdraw this service at any time without assigning any reason whatsoever.
  13. Binding nature of above terms and conditions: By use of this facility, user shall deemed to have agreed to all the above terms and conditions and such terms and conditions shall be bound on the user in the same manner as if user has agreed to the same in writing.
10. FUNCTION OF InCred Money

Any information contained in InCred Money brochures or other materials or otherwise communicated by InCred Money shall not be construed as investment advice and that all decisions to purchase or sell units made by user shall be on the basis of personal judgment arrived at after due consideration. InCred Money does not in any manner:

  1. Guarantee payments on any units; or
  2. Guarantee liquidity of any units; or
  3. Make any offer to buy back any units; or
  4. Guarantee the redemption or repayment of any units on maturity; or
  5. Guarantee the payments of interest or dividend; or
  6. Promise, indicate or guarantee any returns; or
  7. Guarantee any good delivery.
  8. Subscribe to units of mutual funds on behalf or in name of user or collects payments from user for the units so purchased by user for remitting it further to the AMCs; or
  9. redeem /sell the units held by user or on its behalf or in its name; or
  10. unilaterally instruct the mutual fund and/or the corresponding AMCs with regards to nomination/changes in investments plan/any other changes; or
  11. sign any document on behalf of or in the name of user for purchase, sale or redemption of units; or
  12. collect, receive and / or give receipts and discharges for any sum including dividend, interest or income arising from the units and does not sign and/or endorse dividend and interest warrants on user’s behalf or in user’s name; or
  13. correspond with or gives notice to the mutual fund/AMCs on behalf of or in the name of user, except for transmission of transactions done or purported to be done by user on the online technology platform.

InCred Money does not offer any advice and nothing herein or on the InCred Money website shall be construed as investment advice by user.

InCred Money does not offer any advice and nothing herein or on the InCred Money website shall be construed as investment advice by user. InCred Money does not, and is not obliged to, offer all mutual fund schemes for investment. By limiting the number of schemes on the Site, InCred Money does not make any representation as to the quality, bona fides or nature of any AMC or mutual fund scheme, or any other representation, warranty or guaranty, express or implied

Any sum invested through InCred Money account is not a deposit with InCred Money and is not bank insured. The same is not endorsed or guaranteed and does not constitute obligations of InCred Money or any of the subsidiaries associates or affiliates companies whose role in only as described in these Terms and Conditions. Investments in mutual fund are subject to investment risk, including the possible loss of principal amount invested. The value of the units purchased or not purchased will fluctuate. If user redeems the units/shares purchased, user may receive more or less than user has/had paid depending upon NAV of the units in the fund or trust at the time of redemption. Past results are not a guarantee to future performance. Past performance may or may not be sustained in the future.

11. NOTICES/CORRESPONDENCE

Any notice or other correspondence addressed by InCred Money to user may be addressed to the email address provided by the user at the time of enrolment. If according to user there is any discrepancy in the particular or details of transaction or account of statement then, it shall be the responsibility of the user to intimate the same to InCred Money and to the concerned mutual fund/AMC/authorised registrar of the AMC in writing within 7 (seven) working days of receiving notice thereof, falling which such transaction, statement or account (as the case may be) shall be deemed to be correct and accepted by user and users shall not be entitled to question the correctness or accuracy thereof.

12. USER INFORMATION

User shall provide any and all information that may be required by InCred Money/AMC/authorised service providers of the AMC from time to time in compliance with existing legal norms and regulations, including but not limited to contact information, address and tax‐related information and any information required under existing or future KYC and CAN norms and laws. User agrees that InCred Money/AMC/vendors may take steps to verify the veracity of such information provided and shall co‐operate with InCred Money/AMC/vendors in providing all information requested by InCred Money. User acknowledges that failure to provide such information in a timely manner may result in ineligibility to avail of some or all of the services of InCred Money and that InCred Money/AMC/Trustees of AMC shall in no way be held liable for any losses of whatsoever nature resulting from such failure to provide information on part of the user. Any information provided by user may be required to be shared with relevant regulatory/statutory authorities and user authorises InCred Money to provide all information to such regulatory / statutory authorities as and when required. The information shall be provided by the User and shall be governed in accordance with details provided in the Privacy Policy.

13. TERMINATION OF THE SERVICES

In case the user violates this agreement, or any local or international laws, InCred Money may, at any time and at its sole discretion, terminate the user’s InCred Money account and/or prevent user from accessing the Site and/or Services at any time and at its sole discretion. You’re free to stop using InCred Money and/or terminate your account with InCred Money at any time. Please refer to our Privacy Policy, to understand how we treat information you provide to us after you have stopped using our Services.

14. REGULATORY CAUTION

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.

15. GOVERNING LAW

All disputes and differences arising out of, under or in connection with these terms and conditions or anything done hereunder shall be within the exclusive jurisdiction only to the courts of Mumbai. These terms and conditions are subject to and shall be construed in accordance with the laws prevalent in India.

16. UNENFORCEABILITY

In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision. Other agreements may apply to specific products and services offered through the Site. The terms of the Client Agreement and any other agreements applicable to a specific product or service supersede these terms. We may change these terms at any time without notice, and any such change will be effective immediately. Section headings are for convenience only.

17. Grievance Redressal

Redressal Mechanism: Any complaints, abuse or concerns with regards to content and or comment or breach of these terms shall be immediately informed to the designated Grievance Officer as mentioned below via in writing or through email signed with the electronic signature to Grievance Officer, at vijay@incredmoney.com or write at the following address:

Mr. Vijay Kuppa
Grievance Redressal Officer
InCred Money
Address:
Unit No. 301B, 3rd Floor,
A-Wing, Kaledonia Building,
Sambhaji Nagar, Sahar Road,
Andheri East, Mumbai – 400069

We request You to please provide the following information in your complaint:

  1. Identification of the information provided by You.
  2. Clear statement as to whether the information is personal information or sensitive personal information.
  3. Your address, telephone number or e-mail address.
  4. A statement that You have a good-faith belief that the information has been processed incorrectly or disclosed without authorization, as the case may be.
  5. A statement, under penalty of perjury, that the information in the notice is accurate, and that the information being complained about belongs to You.
18. Safely Auto-Track your Portfolio

You can choose to provide explicit consent to connect your Gmail account with InCred Money account (using Google’s OAuth authentication method), so that the application / website can “read only” the attachment from a small white listed set of senders specifically comprising

  1. donotreply@camsonline.com
  2. samfd@karvy.com
  3. nsdl-cas@nsdl.co.in
  4. eCAS@cdslstatement.com
  5. NSE-direct@nse.co.in
  6. samfd@kfintech.com
  7. samfS@kfintech.com
  8. CRA@NSDL.co.in
  9. KCRA@kfintech.com
  10. enq_H@camsonline.com
  11. enq_P@camsonline.com
  12. axismf@kfintech.com
  13. enq_k@camsonline.com
  14. nimf.txn@kfintech.com
  15. enq_L@camsonline.com
  16. nimf.pur.txn@kfintech.com
  17. utimf@kfintech.com
  18. mgrpt@bseindia.in

If the sender email ids are changed then we will notify you and also update this Privacy Policy.

The attachments from these senders have the details of your investments such as Folio numbers, Transaction Dates, Dividends, Subscription and Redemption Amounts, etc. InCred Money organises this information in your account to provide deep analytics.

The benefit of opting to connect your Gmail account is that your investment information gets updated automatically every month. Given the updated information, the application can hence give you deep and accurate analytics on your investments.

You can choose to de-link your Gmail account with the application at any time and/ or you can delete your information by writing to connect@incredmoney.com  Alternatively, you can also de-link your email by visiting Google Mail’s permission settings located at: myaccount.google.com/permissions

This act of connecting your Gmail accounts with InCred Money accounts comes under the “Restricted scopes” under Google API services user data policy.

Google OAuth API Scopes (Restricted scopes):

InCred Money ensures that it is always in compliance with the restricted scope defined under Google OAuth API policies.

  1. InCred Money limits use of data to provide or improve your user experience. Connecting your Gmail account with InCred Money is completely optional and based on your explicit consent for only specific use cases as has been described in this Privacy Policy. The benefit of this option is that you do not need to keep updating your investment information every month. Given the updated information, the application can hence give you deep and accurate analytics on your investments. You can choose to de-link your Gmail account with the application at any time and/ or you can delete your information by writing to connect@incredmoney.com Alternatively, you can remove access to InCred Money from Google Mail’s permission settings located at: myaccount.google.com/permissions
  2. We only transfer the data to others if necessary to provide or improve user-facing features that are prominent in the requesting application's user interface. We may also transfer data as necessary to comply with applicable law or as part of a merger, acquisition, or sale of assets with notice to users. All other transfers or sales of the user data are prohibited.
  3. We don't use or transfer the data for serving ads, including retargeting, personalized, or interest-based advertising and we do not allow and we prohibit access to any of the third party analytics providers.
  4. We don't allow humans to read the data, unless :
  5. We first obtain your affirmative agreement for specific messages;
  6. It is necessary for security purposes (such as investigating a bug or abuse);
  7. It is necessary to comply with applicable law; or
  8. Our use is limited to internal operations

These prohibitions of user of data apply to the raw data obtained from Restricted Scopes and data aggregated, anonymized, or derived from them. Our employees, agents, contractors, and successors comply with the Google API services user data policy.

19. InCred Money FD User Disclosure

The User hereby declares/confirms that:

  1. All FDs are made by me and are for my own behalf and not acting as front or on behalf of someone else.
  2. All payments made through InCred Money, for investments in Fixed Deposit Product(s), shall be only from my own Bank Account and out of funds obtained from legitimate sources. In case of a joint bank account, I am one of the holders of such bank account and is also authorized by the other joint bank account holder for making such transactions.
  3. I understand that all the investment in Fixed Deposit products are subject to the respective Financial Institutions Terms and Conditions and I agree to abide by the same.
  4. The said investments in FDs do not contravene any Act, Rules, Regulations, Notifications or Directives of the provisions of the Income Tax Act, Anti Money Laundering Laws, Anti-Corruption Laws or any other applicable laws enacted by the Government of India from time to time.
  5. I understand that company may share/collect my Personal and Transactional information with/from its Group Companies, Vendors, Business Partners, Financial Institutions and other third
  6. I understand that Company Ltd. may share/collect my Personal and Transactional information with/from its Group Companies, Vendors, Business Partners, Financial Institutions and other third parties, in order to (a) provide the services mentioned herein and/or (b) to ensure smooth execution of Users Request and/or (c) to customize offers/products/services and to provide seamless experience and/or (d) for cross selling.
  7. I understand that Oro Financial Consultants Pvt. Ltd. and/or its group companies or their authorised agents can contact me for verifying my details, offering support and information on suitable products, assisting in closing a sale or sharing related information, promotional messages, renewal reminders, claim assistance etc.
  8. Thereby give consent to Oro Financial Consultants Pvt. Ltd. to provide electronic confirmation feeds to the concerned FI regarding acceptance of the terms and conditions by the me and/or for doing transactions through the InCred Money and/or any other confirmation/document/details as may be required by the Fl from time to time relating to my transactions as may be required under applicable Laws.
  9. I hereby give consent to the concerned Financial Institutions for sharing information with Oro Financial Consultants Pvt. Ltd, in any manner, about my transactions, executed through InCred Money
  10. I accept InCred Money’s Privacy Policy and Terms & Conditions.
20. InCred Money Bonds

Oro Financial Consultants Pvt. Ltd. and its subsidiaries, affiliates, employees and directors, referred to as "InCred Money", "InCred Money", "InCred Money" makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable. InCred Money will not share any personal information it collects with any third party, except for the cases specified in our Privacy Policy

  1. InCred Money Bonds (www.incredmoney.com/InCred Money bonds) is an online investment platform for investing in fixed-income securities of other companies. The InCred Money Bonds website is owned and operated by InCred Money. The website is being provided to you expressly subject to this Agreement. By accessing, browsing and/or using the website, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations. The terms and conditions of this Agreement form an essential basis of the bargain between you and InCred Money.
  2. InCred Money is just providing a platform to buy fixed-income securities to retail investors and nothing on the website should be construed as giving financial advice
  3. By using this website and accordingly the services of InCred Money you, the end user unconditionally agrees to the terms and conditions that we have provided herein for the use of our Website. By checking any acceptance boxes, clicking any confirmation buttons, submitting any text or content or simply making any use of the Website, you (i) accept the Terms of Use that appear here and agree to be bound by each of its terms, and (ii) represent and warrant to InCred Money that: (a) You are at least Twenty one (21) years of age and have the authority to enter into these Terms; (b) these Terms are binding and enforceable against you; (c) to the extent an individual is accepting these Terms on behalf of an entity, such individual has the right and corporate authority to agree to all of the terms set forth herein on behalf of such entity; and (d) You have read and understand InCred Money’s Privacy Policy, the terms of which are posted at the Website and incorporated herein by reference (the "Privacy Policy"), and agree to abide by the Privacy Policy.
  4. The InCred Money Bonds website gives you an introduction to the services and products of fixed-income securities of other companies. However, this is not an offer or solicitation of any nature by InCred Money. Any information, projection or assumption included on the website is not intended to give you any legal, financial, taxation or other professional advice and, should you propose to use any of the products or services described on this Website or otherwise deal with InCred Money Bonds, you are strongly advised to obtain appropriate independent professional advice before proceeding. Every effort has been made to ensure that the information contained on the Website is correct, however, we make no warranty as to the accuracy, comprehensiveness, or correctness of any of the information, services or products on this Website. Whilst we will try to keep the information on this Website up-to-date and accurate, no warranties or representations (whether express or implied) are made by InCred Money or anyone connected with InCred Money (including their officers, agents, employees, affiliates and/or advisers) concerning the completeness, accuracy or reliability of any matter included on this Website or any other information provided by InCred Money to you or to any Member in connections with any InCred Money product or service.
  5. The contents of the Website are owned by and copyrighted by InCred Money and reproduction of all or any part of this Website is prohibited without InCred Money’s prior written consent. "InCred Money" is a trademark used by us and no license or right is given to you to use this name. Any links to other websites are provided for your convenience only and their inclusion does not mean that InCred Money endorses or approves of those Websites nor does InCred Money accept any responsibility for any matter contained on those other Websites. InCred Money is not responsible for any delays or loss of or corruption of data as a result of either the use of InCred Money Bonds website by you or your communications over the internet with InCred Money, which are entirely at your risk. We will not accept any responsibility for any losses, claims or damages of any kind, whether direct or indirect or special or consequential or otherwise howsoever arising in relation to the foregoing.
  6. The contents of the Website are owned by and copyrighted by InCred Money and reproduction of all or any part of this Website is prohibited without InCred Money’s prior written consent. "InCred Money" is a trademark used by us and no license or right is given to you to use this name. Any links to other websites are provided for your convenience only and their inclusion does not mean that InCred Money endorses or approves of those Websites nor does InCred Money accept any responsibility for any matter contained on those other Websites. InCred Money is not responsible for any delays or loss of or corruption of data as a result of either the use of InCred Money Bonds website by you or your communications over the internet with InCred Money, which are entirely at your risk. We will not accept any responsibility for any losses, claims or damages of any kind, whether direct or indirect or special or consequential or otherwise howsoever arising in relation to the foregoing.
  7. You may browse the Website and view some content without registering, but as a condition to using certain aspects of the Website, you are required to register with InCred Money, by creating an account. On creating an account, your KYC information will be collected.
  8. You agree that all personal information and data about you that InCred Money obtains through InCred Money Bonds Website may be used and disclosed in accordance with InCred Money Privacy Policy, the terms of which you accept.
  9. In the event of any claim made against InCred Money, and/or the respective officers, agents, employees and/or affiliates (“Indemnified Parties”) in respect of any breach of any of your obligations under these Terms, you agree to indemnify and hold such indemnified parties harmless against all damages, losses costs and claims thereby incurred.
  10. InCred Money reserves the right to change the Terms and Conditions at any time, without notice, and the revised Terms and Conditions shall be posted on the portal from time to time. Your continued usage of the portal shall at all times be deemed to be your acceptance of the terms and conditions as may be in force.
  11. You hereby irrevocably authorize InCred Money, and its agents / Service Providers, to act upon any Electronic Instructions given by you by logging to the website.
  12. The Online Facility (InCred Money Bonds Website) is intended only for the personal use of the investor. You shall be solely responsible for the confidentiality of the User ID and Password and shall not disclose the same to anybody and shall take all possible care to prevent discovery of the User ID and Password by any person. In no event shall you hold InCred Money liable or responsible for any transactions undertaken in your account. InCred Money reserve the right to make the Online Facility available for such investors as it deems appropriate.
  13. You agree that InCred Money reserve the right to seek any additional information/confirmation (oral/written) as it may deem necessary to authenticate the transaction.
  14. InCred Money may, in its absolute discretion, suspend the Online Facility granted or decide not to carry out any such transaction where the KYC requirements are incomplete or incorrect, transactions are designed in a manner to violate any law or any information submitted to InCred Money or its related parties is incomplete, false or misleading or it has reason to believe that the Electronic Instructions are not genuine or are unclear or are otherwise improper and cannot be put into effect.
  15. You shall not hold InCred Money liable for any loss, damage etc. arising from the rejection of transactions by InCred Money.
  16. You shall not use the Online Facility to conduct any transaction(s) that are designed to contravene or circumvent any provision of law, regulation or guideline, including but not limited to the provisions of the Income Tax Act, Foreign Accounts Tax Compliance Act (“FATCA”), The Prevention of Money Laundering Act (“PMLA”), Foreign Exchange Management Act (“FEMA”) or the provisions of the respective bond prospectus, particularly the guidelines relating to Third Party Payment.
  17. Investment in products listed on the website carries significant risk. You confirm that you understand the risks involved in the transactions including but not limited to credit risk, re-payment risk, rating downgrade risk, interest rate movement risk, issuer default risk, liquidity risk, etc.
  18. Historical performance is not a reliable indicator of future performance. You should not rely on any past performance as a guarantee of future investment performance.
  19. You understand that any yield which may have been communicated to you is the maximum possible yield which you will get in case you hold the bond till maturity and there is no default and all payments are made on time.
  20. You have done your own due diligence and assessment and found the product suitable to your investment needs and risk appetite.
  21. The time stamping for online transactions would be considered to be the time when InCred Money has successfully completed confirmation of payment checks at their end. InCred Money will not be liable for any delay in allotting bond units.
  22. The payment should be made only from one of the bank accounts registered under the onboarding process. In case it is found that the payment is not made from a registered bank account, InCred Money reserves the right to reject the transaction and refund the money to the source account after deducting costs and expenses incurred.
  23. You agree that even though your Mobile No. is registered under the National Do Not Call Registry (NDNC), you explicitly permit InCred Money to send various communications, updates, alerts, and notifications and the same shall not be considered as a breach of any TRAI Regulations/Guidelines.
  24. You shall be fully liable to InCred Money or their Affiliates for every transaction entered into using the Online Facility, whether with or without your knowledge. In no event will the InCred Money or their agents/service providers be liable to you for any special, direct, indirect, consequential or incidental loss or damages even if you have been advised of any such possibility. You hereby relieve the InCred Money from any liability whatsoever against misuse of the Online Facility, User ID and password. Further, InCred Money shall not be liable at all for misuse if any, of any data placed on the Internet, by third parties, "hacking" or unauthorized access. InCred Money will not be liable for any failure to act upon Electronic Instructions or to provide any facility for any cause that is beyond the control of InCred Money InCred Money shall have no liability to verify the accuracy or authenticity of the instructions given using the User ID and password and shall be authorized to act on such instructions without further verification or review. InCred Money shall endeavour to give effect to Electronic Instructions on a best-effort basis and as soon as practically possible for InCred Money. In the event of any instructions being capable of execution in two or more ways, InCred Money may execute the Electronic Instructions in a way as it may, in its sole judgement, decide. InCred Money agrees to take best efforts to protect the security of the data placed on the Internet, however, you agree that transmitting data/ information over the internet may be subject to compromise/breach and that the risk of any loss of information or interception of information by any third party will be borne by you and that InCred Money shall not be liable for the same. InCred Money, along with its directors, employees, agents, executors, successors and assigns shall not be liable for any damages or injuries arising out of or in connection with the use of the Portal or its non-use including non-availability or failure of performance, loss or corruption of data, loss of or damage to property (including profit and goodwill), work stoppage, computer failure or malfunctioning, or interruption of business; error, omission, interruption, deletion, defect, delay in operation or transmission, communication line failure or for any failure to act upon Electronic Instructions or to provide any facility for any cause that is beyond the control of such entity. All records of InCred Money, whether in electronic form, magnetic medium, documents or any other form with respect to Electronic Instructions received for use of the Facilities or Electronic Instructions received through the use of the Online Facility shall be conclusive evidence of such Electronic Instructions and shall be binding on you. You hereby confirm that InCred Money or any other Agents, shall not be held responsible for violation of any laws by you and you hereby indemnify InCred Money against any claims arising from such non-compliance, and also from any damages or losses InCred Moneymay suffer from any claims arising due to non-compliance or violation of the Terms and Conditions. Further, you agree to indemnify, and shall at all times keep indemnified InCred Money their officers, employees, successors and assigns from and against all actions, proceedings, claims and demands whatsoever for or on account of or in relation to any unauthorised use of the Online Facility, User ID and password and from and against all damages, costs, charges and expenses in respect thereof or incidental thereto. No forbearance, delay or failure on part of InCred Money to exercise any power or right under these Terms and Conditions shall operate as a waiver of such power or right, nor shall any single or partial exercise of such power or right preclude any further exercise of that or any other power or right.
  25. You authorize InCred Money to provide to third parties such transaction/account details, as may be necessary in order to give effect to your online instructions or in order to comply with the order of any court, government agency or lawful authority or in order to ensure compliance with any laws/regulations in any jurisdiction.
  26. Nothing in the Terms and Conditions or on the Portal shall be considered a solicitation to buy or an offer to sell or a recommendation for a security, or any other product or service, to any person in any jurisdiction where such solicitation, offer, recommendation, purchase or sale would be unlawful under the laws of that jurisdiction.
  27. The provision of the website is subject to and governed by the laws of India. The Courts in Mumbai shall have jurisdiction over all disputes arising out of or in respect of the Terms and Conditions.
  28. Notice: Any notice, communication or documents required to be given by either Party to the other, may be given by personal delivery, courier, registered post at the registered office of InCred Money or by email to connect@incredmoney.com and if to the investor at the registered address or email ID as per InCred Money records.