Terms of Use

These Terms of Use set forth the terms and conditions that apply to the access and use of the mobile application known as Boss Wallah (hereinafter referred to as "Mobile App”) and the bosswallah.com website (interchangeably referred to as "Website” and "Desktop App”) and collectively referred to as "Application”, which are owned and operated by Bosswallah Technologies Private Limited, (hereinafter referred to as the "Company”), a company incorporated under the laws of India and registered under the Companies Act, 2013.

In terms of the Information Technology Act, 2000, this document is an electronic record. Being generated by a computer system, it does not require any physical or digital signatures.

This document is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries guidelines) Rules, 2011.

You will be subject to the rules, guidelines, policies, terms, and conditions applicable to any service that is provided in the Application, and they shall be deemed to be incorporated into and considered as part and parcel of the Terms of Use.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. YOUR ACCEPTANCE OF THE TERMS CONTAINED HEREIN CONSTITUTES THE AGREEMENT BETWEEN YOU AND THE COMPANY FOR THE PURPOSE DEFINED BELOW.

The Terms of Use ("Agreement") sets forth the terms and conditions that will apply to your access and use of the Application, which is owned and operated by the Company.

After you have read and reviewed all the terms of the Agreement, you can click "continue" on the registration page, and enter the OTP received on your registered email/ registered mobile number provided by you. This shall be considered as your acceptance of this Agreement.

Your electronic consent in accepting the Agreement, represents that you have the capacity to be bound by it, or if you are acting on behalf of any person, that you have the authority to bind such person. If you choose not to accept the Agreement, you will not be entitled to use the Services.

The Company reserves the right at its sole discretion to make changes to the Agreement, for such reason as it deems fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the Services, company reorganization, market practice or customer requirements.

Upon any change, the Company will notify the updated Terms on the Website/Mobile App or other means. Your continued use of the Services constitutes acceptance of the changes and an agreement to be bound by Terms, as amended. If you do not agree to the changes, you may please discontinue your use of the Services.

You can review the most current version of the Agreement at any time, by clicking the Terms & Conditions link on the login page or from the profile section of the Website/Mobile App.

Notwithstanding the above, the Company reserves the right to refuse service to anyone at any time due to a violation of the Agreement or misuse of the fora available on the Website App/ Mobile App for any purpose which is not expressly permitted/authorised by the Company or for any other reason.

"Sensitive personal data or information" would mean and include but is not limited to:

You have to register on the Application by entering your necessary personal information to start the basic services. Upon successful registration, your account will be activated. You agree and understand that you are solely responsible for maintaining the confidentiality of your account and the generated OTP which, together with your email id or phone number, allows you to access the Services. Your email id and/or phone number and OTP together with any other contact information you provide, form your "Registration Information".

By providing us with your email address and mobile number, you agree to receive all required notices and information electronically, to that email address or mobile number through emails, text messages and WhatsApp messages. It is your responsibility to update any changes to your email address and mobile number. Notices/information will be provided in HTML (or, if your system does not support HTML, in plain-text) in the text of the email or through a link to the appropriate page on the Website, accessible through any standard, commercially available internet browser.

You shall provide true, accurate, current and complete information about yourself and the accounts linked to your account.

You shall undertake to inform/update of any change in your Registration Information promptly and keep it up-to-date and accurate at all times, as it has a direct bearing on the provision of Services by the Company.

You agree not to misrepresent your identity or make an attempt to make unlawful access to the Desktop App/Mobile App or use of the Services.

If you become aware of any unauthorized use of your Registration Information, you agree to notify the Company immediately at the customer service helpdesk, the details of which are available on the Website/Mobile App. The Company shall not be liable for any unauthorized use or access, unless it is proved that the unauthorized use or access occurred solely due to reasons directly attributable to the Company.

You declare and confirm that you are, above 18 (Eighteen) years of age, and have the capacity to contract as specified under the Indian Contract Act, 1872, while availing the Services offered herein via the Desktop App/Mobile App

After registration, you can purchase any or all services being offered by the Company by selecting the payment method provided (i.e., credit card/debit card/internet banking/UPI). Access to the profile will require a one-time password (OTP) that will be sent to your registered email id or registered mobile number. Fresh OTP will be generated in case you login again with your registered email id or registered mobile number after logging out of your account.

The Company will offer a variety of services to the customers of the Application, which may include:

The Company may send automatic alerts and voluntary account-related alerts from time to time. Certain voluntary account alerts may be turned on by default. You may customize, deactivate or reactivate these voluntary alerts based on your individual preferences and options available.

The Company may add new alerts (automatic/voluntary/compulsory) from time to time, or cease to provide certain alerts at any time, at its sole discretion. Each alert has different options available and you may be asked to select from among these options on activation of your alerts service.

The alerts may be sent to you electronically on your email address and/or mobile number as per your most recent Registration Information available with the Company or through push notifications on your phone. Changes to your email address or mobile number will apply to all of your alerts. You hereby agree and consent to receive all transactional alerts at the mobile number provided, even if the mobile number is registered under DND/NCPR list under TRAI regulations. For that purpose, you further authorize the Company to share/disclose the information to any third-party service provider or any affiliates, group companies, their authorized agents or third- party service providers.

You agree and understand that alerts are not encrypted. Alerts may include some of your personal and sensitive information. Anyone with access to your email/mobile will be able to view the content of these alerts. It is solely your responsibility to prevent any unauthorized access to the said alerts.

While the Company would endeavour to provide alerts under the Services in a timely and accurate manner, you understand and agree that any such alerts may be delayed or prevented by a variety of factors and is not liable for any delays, failure to deliver, or misdirected delivery of any alert, for any errors in the content of an alert, or for any actions taken or not taken by you or any third party, in reliance of an alert.

Specifically, the reminder service uses the basic functionality of the device hence the Company does not own any responsibility related to any delay or no-alert raised on-time.

Further, the delivery of alert messages is subject to compliance of any local laws or guidelines, as may be enforced from time to time and you agree to abide by such compliance requirements, as and when notified by governing authorities.

The Privacy Policy explains how the Company treats your personal information when you access the Desktop App/Mobile App and/or use other ancillary Services. You agree and authorize the Company to share your information with its group companies, associate companies, third party service providers, so far as required for joint marketing purposes/offering various services/report generation and/or to similar services to provide you with various value-added services. However, in no event would your personal information be shared with any third party solely for commercial purposes.

The Company may transfer sensitive personal data or information to another Indian or overseas body corporate if it is necessary for the performance of Services, and you hereby consent to such data transfer.

You agree and understand that all Account Credentials of other Financial Institutions provided by you for your use/consolidated view are encrypted and stored by our database.

The Application may require the user to pay with a credit card, debit card or netbanking or UPI for Services for which subscription amount(s) is/are payable. It is the user's responsibility not to disclose their credit card number and any other online payment credentials to the third parties as necessary to complete such operation. Verification of credit information, however, is accomplished solely by the user through the authentication process. User's credit-card/debit card details are transacted upon highly secure sites of approved payment gateways which are digitally encrypted, thereby providing the highest possible degree of care as per latest available technology.

User account information is OTP protected for privacy and security. It is the user's responsibility not to disclose your OTP to third parties.

There is a separate privacy policy pertaining to the Mobile App and Website.

Certain parts of the Services may be supported by sponsored links from advertisers and display the Company offers (“Offers”) that may be custom-matched to you based on information stored in the Services, queries made through the Services, or any other information. You agree and understand that the Company will always disclose your information when particular Offers are sponsored.

In connection with Offers, the Services may provide links to websites belonging to such advertisers and other third parties, which are beyond the control of the Company. The Company does not endorse, warrant or guarantee the products or services available through the Offers (or any other third-party products or services advertised on or linked from our site), whether or not sponsored, and the Company shall neither be construed as an agent or broker of such advertisers or third parties, nor otherwise be responsible for the activities or policies of their websites. The usage of such service, if any, shall be entirely on the basis of the terms and conditions between you and the service provider.

The Company does not guarantee that the loan, investment, plan or other service terms, rates or rewards offered by any particular advertiser or other third party on the Website/Mobile App, are actually the in accordance with the terms that may be offered to you, if you pursue the offer, or that they are the best terms or lowest rates available in the market.

There is no affiliation between any person claiming to offer loans/insurance on the Desktop App/ Mobile App and the Company, and any claims to the contrary are false and denied.

You shall have an option to deactivate the Service(s) by following the administrative rules prescribed by the Company from time to time. The deactivation request(s) would be processed and you shall receive deactivation intimation for your future records and reference. Deactivation of Services will automatically lead to the termination of this Agreement. Upon deactivation of Services, Company shall not be liable to refund the subscription fee, if any, already paid, either in whole or in part.

The Company may, at any time, terminate this Agreement with you immediately:

The contents of the Desktop App/Mobile App, including its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programmes) and other material are the owned/licensed by/to the Company and/or its Third-Party Service Providers/their licensors and are duly protected by them under applicable copyright, trademark and other laws.

You acknowledge and agree that the Company and/or its licensors or suppliers own all rights to this Desktop App/ Mobile App, the content displayed on the Desktop App/ Mobile App and any intellectual or proprietary property and/or technology (in any form) made available to you as a part of or in conjunction with the Services.

You are only permitted to use any of the foregoing as expressly authorized by the Agreement.

You may download or print a copy of the information provided on this Desktop App/Mobile App for your personal, internal and non-commercial use only.

You may not copy, re-print, reproduce (electronically or otherwise), distribute, or create derivative works from any content on the Desktop App/ Mobile App, in whole or in part, for any other purpose without our prior written consent.

Further, you agree not to reverse engineer or reverse compile any technology associated with the Service, including but not limited to any software applications or Java applets associated with the Services Content, from the Website/ Desktop App/ Mobile App, in whole or in part.

SRI AI is an automated AI chatbot system designed to answer customers’ queries related to the Desktop App/ Mobile App and provide them with information and assistance regarding the range of options and services available on the Desktop App/ Mobile App.

Below are the limitations in liability of the Company in respect of SRI AI:

A. SERVICE LIMITATIONS

The Company will try to make your experience with the Desktop App/ Mobile App a productive one. However, the Company cannot always foresee or anticipate technical or other difficulties. The Services may contain errors, bugs, or other problems. These difficulties may result in loss of data, personalization settings or other service interruptions. For this reason, you agree that, except as explicitly stated otherwise in these Terms, the Services are provided "AS IS", without warranties of any kind. the Company does not assume responsibility for the timelines, deletion, mis-delivery, or failure to store any user data, communications, or personalization settings.

The Company and its directors, employees, associates, or other representatives shall not be liable for any damages or injury, arising out of or in connection with the use, or non-use including non-availability of the Desktop App/ Mobile App, and also for any consequential loss or any damages caused because of non-performance of the system due to a computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reason whatsoever. The Company will not be responsible for any liability arising out of delay in providing any information on the Website/Mobile App.

App membership and subscription period once selected and paid for shall be allowed to be changed only at the time of renewal or post expiry of the existing period covered under the subscription. No chargeback and refund shall be admissible under any circumstances. The amount once paid to subscribe for the package will not be refunded.

Not an Investment Advisor, Planner, Broker or Tax Advisor

Neither the Company nor the Services are intended to provide any legal, tax or financial or securities-related advice unless an explicit statement is made to the contrary. You agree and understand that the Company is not and shall never be construed as a financial planner, financial intermediary, investment advisor, broker or tax advisor.

Your personal financial situation is unique, and any information and advice obtained through the Services may not be appropriate for your situation, especially in the absence of all details being provided to the advisor who is providing Services.

The Company may merely facilitate the above services via any Third-Party service provider/ Intermediary/Expert but is not responsible for the nature of advice received from such Experts.

Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your advisor or other financial advisors who are fully aware of your individual circumstances. Please use your discretion and judgment before implementing any advice received on the Application.

A. Service Changes and Discontinuation

The Company reserves the right to discontinue or suspend, temporarily or permanently, the Services, by giving 48 (forty-eight) hours' notice, on a best effort basis, unless it is merely to change certain features/contents of the Services and/or Website/Mobile App or maintain the security and integrity of the Services. You agree that the Company will not be liable to you in any manner whatsoever for any modification or discontinuance of the Services.