TERMS AND CONDITIONS

Welcome to time.money! By using the time.money Platform, you agree to be governed by the Terms and Conditions set forth below, along with our Privacy Policy and any specific terms and conditions applicable to the products and/or services you avail. We strongly encourage you to take a few minutes to read and familiarise yourself with the Terms and Conditions described herein.

Note: By registering, browsing, accessing, downloading, and/or using the time.money Platform, whether for general or specific purposes, you agree to and enter into a legally binding agreement with Karat Capital Advisors Private Limited and any of its authorized affiliates or group entities.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THE time.money PLATFORM (INCLUDING THE WEBSITE AND/OR ITS MOBILE APPLICATION).

The website https://time.money (“Website”) and the mobile application time.money (“Mobile App”/ “Application”) is owned, operated, and managed by Karat Capital Advisors Private Limited (“Karat Capital”), having its office at 8B-106, WeWork, RMZ Latitude Commercial Building, Bellary Road, Bangalore 560024. For the purpose of providing services on the time.money Platform, Karat Capital has granted its authorized affiliates a revocable, non-exclusive, and non-transferable license to utilize the Platform.

THIS DOCUMENT IS AN ELECTRONIC RECORD IN TERMS OF THE INFORMATION TECHNOLOGY ACT, 2000, AND THE RULES MADE THEREUNDER, AS APPLICABLE, AND THE PROVISIONS RELATING 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)(A) OF THE INFORMATION TECHNOLOGY (INTERMEDIARY GUIDELINES AND DIGITAL MEDIA ETHICS CODE) RULES, 2021, AND RULE 4 OF THE INFORMATION TECHNOLOGY (REASONABLE SECURITY PRACTICES AND PROCEDURES AND SENSITIVE PERSONAL DATA OR INFORMATION) RULES, 2011, FRAMED UNDER THE INFORMATION TECHNOLOGY ACT, 2000 (AS AMENDED FROM TIME TO TIME), WHICH REQUIRES THE PUBLISHING OF RULES AND REGULATIONS, PRIVACY POLICY, AND TERMS OF USE FOR ACCESS OR USAGE OF THE PLATFORM.

DEFINITIONS

  1. “We,” “Us,” “Our,” “Company” - refers to Karat Capital Advisors Private Limited and its authorized affiliates.

  2. “You,” “Yours,” “Yourself,” “User” - refers to any individual, non-individual, or corporate body using the Platform or its Services.

  3. “Government Authority” - shall mean any national, state, local, provincial, municipal, district, or other sub-divisional governmental authority, statutory authority (including but not limited to the Securities and Exchange Board of India (SEBI), Reserve Bank of India (RBI), Insurance Regulatory and Development Authority of India (IRDAI)), government department, administrative authority (including Indian stock exchanges such as NSE and BSE), commission, board, tribunal, court, or any other law, rule, or regulation-making entity or competent authority.

  4. “time.money Platform” - refers to the Mobile App and Website under the brand name time.money, owned, operated, and managed by Karat Capital Advisors Private Limited.

  5. “time.money Platform Services” - includes the financial products and services offered via the time.money Platform, including but not limited to investment advisory, personalized financial planning, stock market investments, mutual fund execution, and other related financial services.

  6. “Third Party Service Provider(s)” - includes companies, vendors, business partners, banks, financial institutions, or any entity whose facilities are used by the Company to provide various services, including those offered on the time.money Platform, to Users.

  7. “Terms” or “Terms and Conditions” - are used interchangeably and shall have the same meaning.

You hereby understand that the specific products or services availed by you may have their own additional or supplemental terms and conditions as available on the time.money Platform, and you unequivocally grant your consent to abide by and remain compliant with the said additional or supplemental terms and conditions. When you use any of the time.money Platform Services provided on the time.money Platform, you shall also be required to comply with applicable laws, rules, guidelines, notifications, circulars, or other directives issued by the relevant Government Authority.

You acknowledge and understand that these Terms and Conditions, along with the additional or supplemental terms and conditions of the time.money Platform Services, shall be read harmoniously. The Company reserves the right to change, amend, or modify these Terms or the additional or supplemental terms and conditions applicable to the time.money Platform Services offered on the Platform at any time, without prior notice.

ELIGIBILITY

You represent and warrant that you:

  1. are at least 18 years old. If you are under the age of 18, you represent and warrant that you have the requisite consent from your legal guardians and are availing the Services under their supervision;
  2. are competent to form a binding contract under the Indian Contract Act, 1872;
  3. have not previously been suspended or removed from using the time.money Services and/or the Platform or any part thereof.

You hereby unconditionally and unequivocally agree to promptly furnish and/or execute such additional document(s), as may be requested from time to time, to establish yourself as a lawful guardian and to continue your access to the time.money Platform, including time.money Platform Services. If we learn that it has inadvertently collected personal information from a person under the age of 18 years, we will delete that information as quickly as possible. If you believe that a person under 18 years may have provided us with personal information, please contact us at help@time.money

ACCOUNT

If you wish to use or browse through the Platform, you are required to maintain an account on the Platform (“Account”) and furnish certain information and details, including your name, email ID, contact number, financial information, and any other information deemed necessary by time.money.

You shall be responsible for maintaining the confidentiality of your Account, including your login credentials and OTPs. In the event your device is lost or stolen, you are responsible for immediately taking all necessary measures to secure your Account, such as blocking your SIM and logging out of active sessions. You agree to promptly inform the Company by writing to help@time.money, providing all relevant information to establish your claim. This will enable us to block your Account.

We will use commercially reasonable efforts to block or suspend your Account upon receiving your request. However, you acknowledge and agree that we are merely facilitating you to secure your Account in good faith and, as such, assume no responsibility or liability for any losses, fraud, or unauthorized transactions that may occur or that you may suffer under your Account.

You represent and warrant that all information, data, and documents provided by you (a) for creating the Account and/or (b) through your Account, are true, correct, accurate, and up to date. In the event of any change, you agree to promptly update the details on the Account. You further represent and warrant that at the time of creating a new Account, you do not already have an existing Account on the Platform.

USE OF PLATFORM

  1. You agree that you will be allowed to make any transaction through the time.money Platform only upon entering into a commercial agreement, completing the Know Your Client (“KYC”) process and providing complete information, including personal information, in accordance with the KYC guidelines issued by SEBI, IRDAI, or any other regulatory body, Government Authority, or competent authority from time to time.

  2. You understand and agree that you shall only use the time.money Platform (including time.money Platform Services) for your personal use and purposes only. You shall always ensure that your use of the time.money Platform and/or your reasons for availing time.money Platform Services are strictly for valid and lawful purposes. You shall remain fully responsible for all transactions placed or requested through your time.money Platform account.

  3. We shall not be responsible for any delay or failure in processing any transaction or request due to infrastructure issues such as, third-party service issues, server downtime, network unavailability, or connectivity problems.

  4. You shall notify us of any changes in your situation, personal information, or profile in the manner provided herein. We will rely on the most recent information provided by you.

  5. We reserve the sole authority and right to reject your request to open an Account or operate the account on the Platform. We may, at our discretion, choose to disclose or not disclose the reasons for such rejection or closure of your account. Furthermore, we may reject, suspend, or freeze your request to open or operate your Account based on directions received from regulatory or government bodies and statutory authorities.

  6. You hereby declare that all transactions made through the time.money Platform shall be conducted through your own legitimate source or bank account and such transactions comply with the provisions of the Income Tax Act, Anti-Money Laundering laws, Anti-Corruption laws, and all other applicable laws, rules, regulations, notifications, or directives in force from time to time.

  7. You shall not do or attempt to do any of the following acts: (i) impersonate any person or entity, or falsely state your age or affiliation with any person or entity; (ii) impersonate and use any other individual’s personally identifiable information (PII) such as email, phone number, or falsified documents to gain access to or operate the time.money Platform (iii) posts any third-party intellectual property rights or other property rights infringing contents; (iv) act in violation or contravention to any law for the time being in force; reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of the time.money Platform or any part thereof or attempt to gain access to the time.money Platform using unauthorized methods; (v) engage in, post, or transmit any message which is libelous, defamatory, pornographic, vulgar or offensive in nature or otherwise inconsistent with or contrary to the laws in force.

  8. The information you provide when you register on the time.money Platform is complete, true, correct, updated, accurate, and belongs to you. In the event your information is not accessible online, and you wish to change, modify, update, or delete your personal information or other information that you may have provided, please contact us immediately at help@time.money.

  9. You agree to be contacted by us (including its employees, representatives, officers, partners, etc.) via email, push notifications, in connection with your registration, advisory, and transactions. This consent overrides any registration for DNC/NDNC. You agree and confirm that if your mobile number is registered in the Do Not Disturb (DND) list of TRAI, you may not receive SMS from us. You agree to take steps to deregister from the DND list and shall not hold us liable for non-receipt of SMS. You can always opt to stop receiving any or all such communications by writing to help@time.money. You may also delete your Account at any time by writing to help@time.money

  10. We will make its best efforts to provide alerts via email, WhatsApp, or push notifications, and it shall be deemed that you have received the information sent by us as an alert on the mobile phone number or email ID furnished by you on the time.money Platform or while availing any time.money Platform Services. You hereby unequivocally grant us the right and authority to use your contact details, as furnished by you at the time of registering on the time.money Platform, as your primary, valid, and default communication address for any and all time.money Platform Services.

  11. You understand that the Company relies on Third-Party Service Providers to enable SMS, email alerts, WhatsApp messages, push notifications, and OTP services. The readability, accuracy, and timely delivery of these communications are subject to various factors, including the infrastructure and connectivity at the Third-Party Service Provider’s end. The Company makes no representation or assurance regarding timely or delayed delivery and shall not be liable or responsible for any non-delivery, delayed delivery, distorted messages, or alerts.

  12. You acknowledge that the software and hardware underlying the application, as well as other internet-related software required for accessing the application, are the legal property of either the Company or its respective Third-Party Service Providers. The permission granted by the Company to access the time.money Platform does not convey or grant any proprietary or ownership rights in the aforementioned software or hardware.

  13. The Company is not responsible for the availability of content or other services on third-party sites linked from the time.money Platform. You acknowledge that accessing hyperlinks to other internet sites is at your own risk, and the content, accuracy, opinions expressed, and other links provided by these sites are neither verified, monitored, nor endorsed by the Company in any way. The Company urges you to read the terms of use, privacy policy, and other conditions available on the respective third-party sites before accessing or registering with any such sites. The Company makes no warranties and expressly disclaims all warranties, whether express or implied, including, without limitation, those of merchantability, fitness for a particular purpose, title, or non-infringement, concerning any information, services, or products available, advertised, or sold through these third-party platforms.

  14. You agree that you will not use the time.money Platform for any purpose that is unlawful or prohibited by these Terms. You also agree that you will not use the time.money Platform in any manner that could damage, disable, or impair the Application or interfere with any other party’s use, legal rights, or enjoyment of the Application. You hereby represent and warrant that you shall use the time.money Platform as a prudent, reasonable, and law-abiding citizen and shall comply with all relevant applicable laws.

  15. The Company reserves the right, at its sole discretion, to delete, block, restrict, disable, or suspend your Account or any part thereof if you are found engaging in any fraudulent or illegal activities, including but not limited to the following: abusing any representative of the organization, indulging in fraudulent activities on the time.money Platform, using mass media and/or bots to engage with the Platform, or using mass media and/or bots to malign the organization’s reputation. Such activities may be referred to the appropriate legal authorities for legal recourse and will constitute a violation of these Terms and Conditions.

  16. The Company has engaged Third-Party Service Providers for payment gateway services, account aggregator services, etc., to facilitate seamless and secure transactions on the time.money Platform. However, the Company assumes no responsibility or liability for any delays or non-processing of transactions. You understand that the Company and/or its partnered financial institutions reserve the right to not act on or to suspend services if the transaction is unsuccessful or delayed in crediting. You understand and accept the risks associated with processing online transactions and agree that the Company shall not, in any manner whatsoever, be responsible for any losses, costs, interest, penalties, levies, charges, or amounts that may be recoverable from you due to delays in or non-processing of transactions. It is advised that you diligently track all your payments to ensure they are completed in a timely and successful manner.

LICENSE BY THE COMPANY

  1. All intellectual property on or of the Platform belongs to or is licensed to the Company. The Company grants you a limited, non-transferable, and revocable license to access and use the Platform or any part thereof for availing the Services, but not to download any material from it (other than for page caching) or to modify it, or any portion of it, for commercial use. Any unauthorized access to the Platform (or any part thereof), or any networks, servers, or computer systems connected to the Platform, as well as any attempt to modify, adapt, translate, recreate, or reverse engineer any part of the Platform or re-format or frame any portion of its pages, is strictly prohibited.

  2. This license is non-transferable and does not permit any resale or commercial use of the Platform or its contents; any downloading or copying of account information for the benefit of anyone other than your personal use; or any use of data mining, robots, or similar data gathering and extraction tools.

  3. The Platform or any portion of the Platform (including but not limited to any copyrighted material, trademarks, or other proprietary information) may not be reproduced, duplicated, copied, sold, resold, visited, distributed, or otherwise exploited for any commercial purpose. Any unauthorized use of the Platform shall terminate the permission or revoke the license granted by the Company herein.

PRIVACY

You agree that during your use and access of the time.money Platform and/or availing the services offered by the time.money Platform, you will provide us with certain information and data as mentioned under these Terms, which may or may not be publicly available. Please note that we respect the privacy and confidentiality of such data, and the provisions relating to such private information and data provided by you are governed under the time.money Platform’s Privacy Policy, which is available at https://time.money/privacy

By using and visiting the time.money Platform and availing time.money Platform Services, you also agree to our Privacy Policy, and the information provided on the Platform may be shared with our authorized affiliates and business partners.

DISCLAIMERS

THE USER AGREES AND UNDERSTANDS THAT time.money PLATFORM IS PROVIDED BY US ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE time.money PLATFORM OR THE INFORMATION AND CONTENT INCLUDED ON THE PLATFORM. YOU EXPRESSLY AGREE THAT YOUR USE OF THE time.money PLATFORM IS AT YOUR SOLE RISK.

TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE time.money PLATFORM, ITS SERVERS, OR EMAILS/OTHER COMMUNICATIONS SENT FROM THE PLATFORM ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE PLATFORM, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

ALL INVESTMENTS ARE SUBJECT TO MARKET RISKS. READ ALL SCHEME-RELATED DOCUMENTS CAREFULLY. PAST PERFORMANCE IS NOT AN INDICATOR OF FUTURE RETURNS.

YOU ACKNOWLEDGE AND AGREE THAT THESE TERMS AND CONDITIONS DO NOT CONSTITUTE AN INVESTMENT ADVISORY AGREEMENT OR CREATE AN INVESTMENT ADVISORY RELATIONSHIP BETWEEN YOU AND THE COMPANY. ANY INVESTMENT ADVISORY SERVICES PROVIDED BY THE COMPANY WILL BE GOVERNED BY A SEPARATE INVESTMENT ADVISORY AGREEMENT, WHICH MUST BE EXPRESSLY ENTERED INTO BY YOU. YOU WILL BE REQUIRED TO REVIEW, AGREE TO, AND EXECUTE SUCH AN AGREEMENT BEFORE AVAILING ANY INVESTMENT ADVISORY SERVICES. THE TERMS AND CONDITIONS SET FORTH HEREIN APPLY SOLELY TO YOUR USE OF THE time.money PLATFORM AND ITS GENERAL SERVICES.

ALL INTERACTION, COMMUNICATION, DEALINGS, OR TRANSACTIONS BETWEEN USERS AND THIRD-PARTY PROVIDERS REGARDING ANY PRODUCTS OR SERVICES OFFERED BY SUCH PROVIDERS ARE SEPARATE AND INDEPENDENT TRANSACTIONS BETWEEN THE USER AND SUCH THIRD-PARTY PROVIDER, WITHOUT ANY LIABILITY ACCRUING TO US FOR ANY MATTERS ARISING OUT OF OR IN RELATION TO THE SAME. THE USER EXPRESSLY AGREES TO HOLD US HARMLESS IN RESPECT OF ANY COSTS, CLAIMS, DAMAGES, LOSSES, OR EXPENSES ACCRUED, SUFFERED, OR INCURRED BY US OR ANY THIRD PARTY ARISING OUT OF SUCH COMMUNICATION, INTERACTIONS, DEALINGS, OR TRANSACTIONS.

THE USER ACKNOWLEDGES THAT WE HAVE NO CONTROL OVER SUCH DEALINGS AND TRANSACTIONS, AND WE PLAY NO DETERMINATIVE ROLE IN THEIR PERFORMANCE. WE SHALL NOT BE LIABLE FOR THE OUTCOMES OF SUCH INTERACTIONS. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD-PARTY PROVIDER IN ANY MANNER.

THE COMPANY, THROUGH THE time.money PLATFORM, MAY RELY ON DATA PROVIDED BY THIRD-PARTY SERVICE PROVIDERS, VENDORS, FINANCIAL INSTITUTIONS, OR OTHER EXTERNAL SOURCES TO DELIVER CERTAIN SERVICES. THE USER ACKNOWLEDGES AND AGREES THAT THE COMPANY IS NOT RESPONSIBLE FOR THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY DATA RECEIVED FROM SUCH THIRD PARTIES. THE COMPANY DISCLAIMS ALL LIABILITY FOR ANY ERRORS, OMISSIONS, OR DISCREPANCIES IN THE DATA RECEIVED FROM THIRD PARTIES, INCLUDING BUT NOT LIMITED TO INCOMPLETE OR MISSING INFORMATION. THE USER AGREES THAT IT IS HIS/HER RESPONSIBILITY TO VERIFY THE ACCURACY AND COMPLETENESS OF ANY INFORMATION BEFORE RELYING ON IT FOR ANY PURPOSE. THE COMPANY SHALL NOT BE HELD LIABLE FOR ANY LOSS, DAMAGE, OR INCONVENIENCE CAUSED TO THE USER AS A RESULT OF ERRONEOUS, INCOMPLETE, OR MISSING DATA PROVIDED BY THIRD PARTIES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, time.money, ITS AFFILIATED COMPANIES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, OR ANY RELATED PARTIES DISCLAIM ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, LOSS OF INVESTMENTS, REVENUE, OR PROFITS, OR ANY OTHER PECUNIARY OR NON-PECUNIARY LOSS OR DAMAGE OF ANY NATURE WHATSOEVER, HOWEVER ARISING.

TO THE MAXIMUM EXTENT PERMITTED UNDER LAW, YOU WAIVE, RELEASE, DISCHARGE, AND HOLD HARMLESS time.money, ITS AFFILIATED AND SUBSIDIARY COMPANIES, AND EACH OF THEIR DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS, FROM ANY AND ALL CLAIMS, LOSSES, DAMAGES, LIABILITIES, EXPENSES, AND CAUSES OF ACTION ARISING OUT OF YOUR USE OF THE PLATFORM AND/OR SERVICES.

INDEMNITY

You agree to indemnify, save, and hold the Company, its affiliates, contractors, employees, officers, directors, agents, and its third-party associates, licensors, and partners harmless from any and all claims, demands, losses, damages, liabilities, costs, and expenses, including without limitation legal fees and expenses, arising out of or related to your use or misuse of the Services or the Platform, any violation by you of these Terms and Conditions, any breach of the representations, warranties, and covenants made by you herein, your infringement of any intellectual property or other rights of any person or entity, or as a result of any threatening, libelous, obscene, harassing, or offensive material posted or transmitted by you on the Platform.

LIMITATION OF LIABILITY AND DAMAGES

In no event shall the Company, its directors, employees, agents, or affiliates be liable to you or any third party for any damages, liabilities, losses, or causes of action arising out of or relating to: (i) these Terms and Conditions; (ii) use of or access to the Platform; (iii) your use or inability to use the Services provided through the time.money Platform; (iv) any other interactions with time.money; or (v) any action or omission caused by any third party, however caused and whether arising in contract, tort (including negligence), warranty, or otherwise, beyond or in excess of INR 1000.

SUSPENSION OF ACCESS

The Company may choose to stop providing one or more services through the Platform and may terminate access to or use of the Platform at any time without any notice. Other than where the Company informs you otherwise, upon any termination, (a) the rights and licenses granted to you under these terms will end; (b) your Account shall be suspended; and (c) you must stop using the Platform. The Company reserves the right to suspend or cease providing the Platform and shall have no liability or responsibility to you in any manner whatsoever if the Company chooses to do so except as prescribed under applicable law.

AMENDMENT

The Company reserves the right to change, modify, add, or remove portions of any terms and conditions, including this Terms & Condition, specific terms and conditions applicable to each business vertical, privacy policy, and disclaimers displayed on our Platform from time to time (“Terms”). The revised Terms with the changes shall be made available on the Platform, and we will provide a notice (e.g., email, popup, or similar notification). The Changes will become effective on a going-forward basis with respect to your continued use of the Platform, availing of the Services, or when a payment transaction is initiated by you through the Platform after the posting date.

If you do not agree with any such change, your sole and exclusive remedy is to terminate your use of the Platform and the Services. For certain changes, the Company may be required under applicable law to give you advance notice, and the Company will comply with such requirements. Your continued use of the Platform following the posting of changes will mean that you accept and agree to the changes.

NOTICE

The Company may provide you with notices and communications by e-mail, push notifications, regular mail, postings on the Platform, or WhatsApp, or by any other reasonable means based on the details provided by you. In case of any change in any details provided by you, including but not limited to email ID and/or mobile number and/or correspondence address, you shall inform the Company in writing in advance in the prescribed format to carry out the necessary changes in its records.

You hereby unconditionally consent that such communications sent by the Company to you via the above-mentioned modes are upon your request and authorization.

Except as otherwise set forth herein, notice to the Company must be sent by courier to the company address mentioned on https://time.money or email to help@time.money

The Company does not guarantee that electronic communications will be successfully delivered or that they will be secure and virus-free. The Company shall not be liable for any loss, damage, expense, harm, or inconvenience caused as a result of electronic communication being lost, delayed, intercepted, corrupted, or otherwise altered or failing to be delivered for any reason beyond the Company’s reasonable control. All correspondence will be in English.

FORCE MAJEURE

If the whole or any part of the performance is prevented, hindered, or delayed by a Force Majeure event (as defined below), the Company shall not be liable for any failure to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities, and in such a case, its obligations shall be suspended for the duration of the Force Majeure event.

A “Force Majeure Event” means any event due to causes beyond the reasonable control of the Company, including but not limited to unavailability of any communication systems, breach or virus in digital processes or payment or delivery mechanisms, sabotage, fire, flood, explosion, earthquake, floods, epidemics, pandemics, public health emergencies, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of terrorism, acts of government, lockdown, computer hacking, unauthorized access to computer data and storage devices, computer crashes, malfunctioning of computer terminals or systems being affected by malicious, destructive, or corrupting code or programs, mechanical or technical errors/failures, power shutdowns, faults or failures in telecommunications, etc.

DISPUTE RESOLUTION

Any dispute, controversy, claim, or disagreement of any kind whatsoever between the parties in connection with or arising out of these Terms shall be referred to arbitration, to be conducted by a sole arbitrator appointed by the Company, in accordance with the Arbitration and Conciliation Act, 1996. The seat and venue of such arbitration shall be Bangalore, India. All proceedings of such arbitration, including any awards, shall be conducted in the English language. The award shall be final and binding on the parties.

GOVERNING LAWS

These Terms shall be governed by, interpreted, and construed in accordance with the laws of India, without regard to its conflict of law provisions. For resolution of any dispute arising out of your use of the Platform or Services, or in relation to these Terms: (i) The Company has the right to bring proceedings before any court/forum of competent jurisdiction, and you irrevocably submit to the jurisdiction of such courts or forums. (ii) Any proceedings brought by you shall be exclusively before the courts in Bangalore, India.

USER SUPPORT
The Company shall provide assistance and coordinate with the users in case of any issues or queries raised by the user and shall resolve the queries on a best-effort basis. The user can address their queries by writing and delivering their concerns via email to help@time.money or any updated email address displayed under the Customer Service page on the Platform.