Welcome to PaisaSaathi AI ("PaisaSaathi", "we", "our", or "us"). These Terms of Use govern your access to and use of the PaisaSaathi AI mobile application, website, and related services (collectively, the "Service"). By accessing or using the Service, you agree to these terms. If you do not agree, please discontinue using the Service.
1. Purpose of the Service
PaisaSaathi AI is designed to provide general financial education, budgeting assistance, expense-management guidance, savings tips, and AI-generated explanations about personal finance.
The Service is intended for informational and educational purposes only. It is not a bank, financial institution, registered investment adviser, stockbroker, insurance intermediary, tax adviser, or legal adviser. Using the Service does not establish a professional advisory relationship between you and PaisaSaathi AI.
2. No Personalised Financial or Investment Advice
Information generated by PaisaSaathi AI is general in nature and may not consider your complete financial circumstances, objectives, income, liabilities, risk tolerance, or legal obligations.
Do not rely solely on the Service when making investment, lending, borrowing, insurance, tax, or other significant financial decisions. Consult an appropriately qualified professional where necessary.
Investments and financial products may involve risk, including the possible loss of capital. Past performance does not guarantee future results. PaisaSaathi AI does not guarantee any savings amount, investment return, profit, or financial outcome.
3. AI-Generated Content and Accuracy
The Service may use artificial intelligence and third-party AI providers to generate responses. AI-generated information can be inaccurate, incomplete, outdated, misleading, or unsuitable for your particular circumstances.
You should independently verify important information using reliable sources before acting on it. The Service may occasionally provide unexpected responses or become temporarily unavailable.
4. Eligibility and Acceptable Use
You must be legally capable of entering into a binding agreement under applicable law to use the Service. If you are a minor, you may use the Service only where permitted by applicable law and with any required parent or guardian involvement.
You agree not to:
- Use the Service for unlawful, fraudulent, deceptive, or harmful activities.
- Submit passwords, one-time passwords (OTPs), UPI PINs, card PINs, banking credentials, or other authentication secrets to the AI chat.
- Attempt to hack, disrupt, overload, reverse engineer, or gain unauthorised access to the Service, except where applicable law permits such activity.
- Interfere with the security, availability, or proper operation of the Service.
- Use the Service in a way that infringes another person's rights or violates applicable law.
5. User Content and Information
You are responsible for the information you choose to enter into the Service. Do not submit confidential banking credentials, payment authentication details, or sensitive information that is unnecessary for the feature you are using.
You should ensure that information you provide is accurate and that you have the right to provide it. The Service's processing of personal information is described in our Privacy Policy.
6. Accounts and Security
If account registration is available, you are responsible for keeping your login credentials secure and for activity carried out through your account, to the extent permitted by applicable law.
Notify us if you believe your account has been accessed without authorisation. We may suspend or restrict access when reasonably necessary to protect users, the Service, or its security.
7. Third-Party Services
The Service may rely on third-party infrastructure and providers, including cloud hosting, authentication, AI processing, analytics, or advertising services if and when those services are enabled. Third-party services may be subject to their own terms and privacy policies.
We do not control every aspect of third-party services and cannot guarantee their uninterrupted availability. Any third-party service references do not imply endorsement unless expressly stated.
8. Advertising
The Service displays advertisements provided by Google AdMob and its partners. Advertisements are provided by third parties, are separate from our educational content, and are governed by those partners' policies. Please see our Privacy Policy for details of how advertising data is handled and the choices available to you. Appearance of an advertisement is not an endorsement or recommendation by PaisaSaathi AI.
9. Intellectual Property
Subject to applicable law and any third-party rights, the Service's branding, design, software, text, graphics, and other materials are owned by or licensed to the Service operator.
You may use the Service for personal, lawful purposes. You may not reproduce, distribute, modify, sell, or commercially exploit our protected materials without prior permission, unless such use is permitted by applicable law.
10. Availability and Changes
We may modify, add, suspend, or discontinue features to improve the Service, address security issues, comply with applicable law, or maintain the Service. We do not guarantee uninterrupted or error-free availability.
We may update these Terms from time to time. The updated version will be published on this page with a revised "Last updated" date. Your continued use after the updated terms become effective constitutes acceptance where permitted by applicable law. If you disagree with the updated terms, discontinue using the Service.
11. Disclaimer of Warranties
To the extent permitted by applicable law, the Service is provided on an "as is" and "as available" basis, without warranties that it will always be accurate, uninterrupted, secure, or suitable for a particular purpose.
Nothing in these Terms excludes any consumer rights or warranties that cannot lawfully be excluded under applicable law.
12. Limitation of Liability
To the extent permitted by applicable law, PaisaSaathi AI will not be liable for indirect, incidental, special, or consequential losses arising from your use of, or inability to use, the Service, including decisions made in reliance on AI-generated financial information.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law, including liability that cannot legally be excluded.
13. Suspension and Termination
You may stop using the Service at any time. We may suspend or terminate access where reasonably necessary for security, misuse prevention, legal compliance, or a material violation of these Terms.
If the Service supports account deletion, please follow the account deletion instructions provided within the app or on our Account Deletion page. Deletion and retention of information are subject to our Privacy Policy and applicable legal requirements.
14. Governing Law and Disputes
These Terms are subject to the laws of India, to the extent applicable. Disputes will be handled by the courts having appropriate jurisdiction under applicable law. Nothing in this section removes any mandatory consumer rights or legal protections available to you.
The appropriate court jurisdiction may depend on the operator's location and the circumstances of the dispute.
15. Contact Information
For questions about these Terms, contact:
Service: PaisaSaathi AI
Email:
shaswat185dubey@gmail.com