Haarmoney
Haarmoney
Last Updated: 1st January 2024
Welcome to haarmoney.com ("website", "we," "us," or "our"). Haarmoney is owned and operated by ICEBERG TRIBE LLP ("COMPANY"). For the purpose of these terms of use (“Terms of Use”), “You”, “Your” or “User” means any person who accesses or uses the website, App or Our Services. By using our website, you agree to comply with and be bound by these Terms of Use. If you do not agree to these terms, please do not use our website.
Our “Services”, provided by haarmoney, include: (a) Providing a proprietary automated technology platform of COMPANY utilised by haarmoney that helps you to generate a personalised financial compatibility report based on your profile, preferences, and your financial position; (b) There are 3 tiers of reports namely: basic, compact and detailed. Each of them covers different aspect of financial compatibility; (c) The generation of the report requires you to fill financial and demographic details and complete a preference questionnaire. You agree that you will provide accurate data or information as required for the purpose of generating the report. (d) While the website and the proprietary technology it uses takes various factors into account including your Profile, market assumptions, past performance and is based on information from sources that we believe to be reliable, We do not guarantee the accuracy, timeliness and completeness, functionality, reliability or suitability of the information provided. We do not warrant any results from the use of the website or App or Our Services nor guarantee the achievement or not achievement of compatibility, whether or not You choose to rely on the report. (e) You acknowledge that you will exercise your own independent judgment in using any of the information and reports provided by haarmoney and that you will conduct separate research into the suitability of the report/s for your particular financial situation, circumstances, attitudes, motivations and preferences. We do not guarantee or represent that the website or the report assesses a your current state of mind or will predict a future state of mind or behaviour. (f) The contents of the financial compatibility report are solely for informational purpose of the user and may not be used or considered as an offer document or solicitation of offer to buy or sell or subscribe for securities or other financial instruments or any other product. (g) The Services and Information are dependent on various assumptions, individual preferences and other factors and thus, results or analyses cannot be construed to be entirely accurate and may not be suitable for all categories of users.
You agree to keep indemnified and hold haarmoney / COMPANY and its authorised representatives, service providers, and their officers and agents free and harmless at all times, against all monetary and other harm, injury, costs, losses, liabilities, damages, charges, actions, legal proceedings, claims and expenses and consequences including without limitation any costs between attorney and client, whether direct or indirect, by reason of using website, and/or doing and/or omitting to do anything in accordance with the Terms specified herein. The indemnities given in this Clause shall survive the termination of this Agreement.
You must be at least 18 years old to use our website and you agree to use our website in accordance with all applicable laws and regulations.You are responsible for maintaining the confidentiality of your account and password. In terms of 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. Your acceptance of these Terms of Use implies that You have the capacity to enter into a legally binding contract as per applicable law, in particular, the Indian Contract Act, 1872. We reserve the right to restrict access to our website, App and all of the Services provided therein, if you have been or we have reasonable grounds to believe that you have been convicted of an offence which involves moral turpitude or any offence under the Indian Penal Code, 1860. Our Services are designed to be compliant with the laws of India. If you access Our Services from locations outside India, you do so at your own risk and you are solely liable for compliance with applicable local laws. Subject to the above, and your compliance with these Terms of Use, we grant You a non-exclusive, revocable, limited privilege to access and use haarmoney for personal, non-commercial use.
You can use our free services as an anonymous guest or by creating an account (“Account”) using your email ID. In order to use Our paid reports, You are required to create an account (“Account”) by providing the following details: (a) Gender; (b) Email Address; (c) Date of Birth; (d) Relationship Status; (e) Annual Income, post tax; (f) Total Savings; (g) Monthly Essential Expenses; (h) Your bank account/credit card details from which You could choose to make payments, if any; Paid account is linked to the email used at time of registration and this cannot be changed later. By providing us with your email address, you agree to receive all required notices and information electronically, to that email address. It is your responsibility to update any changes to your email address. You will ensure that the Information provided by You is accurate, true and up to date at all times. User Accounts are personal, confidential and not transferable. You will be responsible for all information and content posted under your Account. You will create only one Account and will not create successive Accounts unless the previous Account is duly deleted. You shall be solely responsible for the confidentiality of the username, password and PIN, if any, used by you to access the Website, APP and our Services and shall not disclose the same to anybody and shall take all possible care to prevent discovery of the username, password and PIN by any person. In any event, we are not liable or responsible for any unauthorized access to your Account. You will immediately notify us of any unauthorized use of your account or any other breach of these Terms of Use or security known to you. We may send automatic alerts and voluntary account-related alerts from time to time. Certain voluntary account alerts may be turned on by default, as part of the Services. We may add new alerts from time to time, or cease to provide certain alerts at any time, upon our sole discretion. We cannot be held responsible for non-delivery or delay in delivery of emails or alerts to your email.
Our Services are to be used only for their intended purpose, and are not to be misused in any manner, including for undertaking fraudulent transactions, impersonation, etc. You shall not: (a) Use the Services for any purpose that is unlawful or prohibited by the Terms of Use; (b) Attempt to or gain unauthorized access to any portion or feature of the website, App including accounts, or any other systems or networks connected to the App or to any server, computer, network, or to any of the Services by hacking, password “mining” or any other illegitimate means; (c) Directly or indirectly solicit the account information of other users or access or try to access any account which does not belong to You; (d) Probe, scan or test the vulnerability of the website, App or any network connected to the Website, APP or Services or breach the security or authentication measures on the Website, APP or any network connected to the Website, APP; (e) Extract data from the Website, APP; (f) Make any financial or investment recommendations to any person on the basis of outputs from the Website, APP; (g) Attempt to circumvent the regular operation of the Website, APP, or reduce the fees or consideration that We may derive from the Website, APP by any means including by creating multiple accounts, redirecting traffic or following other fraudulent or deceptive practices; (h) Collect any user information through automated means, including but not limited to bots, robots, spiders and scrapers without Our prior written permission; (i) Facilitate or encourage any violation of these Terms of Use or our other Policies, including the Privacy Policy, as amended from time to time; or (j) Make any statement(s) or comment(s) on the Website, APP which is/are inaccurate, false, unfair or defamatory to Us or other users or which violates the legal right of others. You agree to be fair, accurate and non-disparaging while leaving comments, feedback, testimonials and reviews on or about the Website, APP or the Services. Your right to use the Services is personal to you; therefore, you agree not to resell or make any commercial use of the Services.
By submitting content on our website, you grant us a non-exclusive, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your content. You are solely responsible for the content you submit, and you represent and warrant that you have all necessary rights to do so. If at any time, you make any submissions via or on the Website, APP, including but not limited to suggestions, feature ideas, bug reports, comments, you assign all rights in these submissions to us. Hereafter, We shall be entitled to use the submissions for any purpose whatsoever, without compensation to the maker of the submission. In any event, such submissions are not and will not be treated as confidential and we shall not be liable for any disclosure of the submissions.
All intellectual property in the Website, APP, and in the proprietary material, content and information made available on the Website, APP including the graphics, images, photographs, logos, trademarks, the appearance, organisation and layout of the Website, APP and the underlying software code is the property of Iceberg Tribe LLP, India and is protected by intellectual property laws. You must not copy, modify, alter, decompile, reverse engineer, publish, broadcast, distribute, sell or transfer (whether in whole or in part) any such material, except as expressly permitted in these Terms of Use. The information provided on the Website, APP and through the Services is for Your personal use only.
The Website, and Services are provided on an “as is” and “as available” basis without any representation or warranty, express or implied. We do not warrant that: (a) The Website, will be constantly available or available at all. We shall have no liability to you for any interruption or delay in access to the Website, APP or Services availed through it, irrespective of the cause; (b) The information on the Website or given through Services is complete, true, accurate or non-misleading; (c) That the Website is secure or free of viruses, Trojans or other malware; or (d) The contents of the Website do not infringe any intellectual property rights. We reserve the right to modify the Website, our technology and the basis on which financial compatibility reports are generated from time to time. This may vary the results that you derive by using the Website.
We reserve the right, in our sole discretion, to replace/appoint/reappoint any or all third-party service providers to ensure uninterrupted provision of Services. We will try to make your experience with the Website/Mobile Website, APP a productive one. However, we 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 is provided 'AS IS', without warranties of any kind. We do not assume responsibility for the timeliness, deletion, mis-delivery, or failure to store any user data, communications, or personalization settings. Not a Legal, Investment or Tax Advisor: Our Services are not intended to provide any legal, tax or securities related advice. Force Majeure: Under no circumstances shall we and any of our Third Party Service Providers be liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond their reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, flood, storms, explosions, acts of God, war, earthquake, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning. Third Party Products and Services: From this Website/Mobile APP, users may visit or be directed to sites containing information or material that may be offensive or inappropriate to some people. We make no effort to review the content of these sites, nor are we responsible for the validity, legality, copyright compliance, or decency of the content contained in these sites. Assignment: We may assign or delegate its rights and/or obligations under this Agreement to any other party in future, directly or indirectly, or to an affiliated or group company. 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 of Use for access to or usage of this Website, APP.
You agree that neither us nor any of our affiliates, subsidiaries, licensors, suppliers, service providers, third party developers, account providers or any of their affiliates will be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, opportunity, goodwill, use, data or other intangible losses, even if we have been advised of the possibility of such damages, resulting from (i) the use or the inability to use the services; (ii) the cost of getting substitute goods and services resulting from any products, data, information or services purchased or obtained or messages received or transactions entered into, through or from us; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of anyone on the service; (v) the use, inability to use, unauthorized use, performance or non-performance of any third party account provider site, even if the provider has been advised previously of the possibility of such damages; or (vi) any other matter relating to the services. Neither us nor any of our affiliates , directors , officers or employees, will be liable or have any responsibility of any kind for any direct or indirect loss or damage that you may incur in the event of any failure or interruption of this website/mobile website, app, or resulting from the act or omission of any other party involved in making this website/mobile website, app or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the website/mobile website, application or these materials, whether or not the circumstances giving rise to such cause may have been within the control of the website/mobile website, app or of any vendor providing software or services support. In no event, will we be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind. In all cases, the maximum liability, if any, shall be restricted to the extent of fees, if any paid by you, to us for use of services which are offered by us. Under no circumstances shall we be liable for your using the services offered or provided by any third party service provider.
You may discontinue the use of our Services at any time in accordance with the payments & cancellations policy. Similarly, we will have the right to withdraw our Services at any time without assigning any reason whatsoever. You may note that after termination of paid services, haarmoney will continue to hold account information for usage as per the terms of use.
All disputes arising from or in connection with this Agreement shall be settled amicably between the Parties failing which it shall be referred to and finally settled by arbitration in accordance with the Indian Arbitration and Conciliation Act, 1996 as amended from time to time, presided over by a sole arbitrator appointed mutually by the Parties failing which it shall be appointed by the High Court of Mumbai. Judgment upon the arbitral award may be entered in any court having jurisdiction over the Parties or their assets. The arbitration proceedings shall be held at Mumbai. The arbitration proceedings shall be conducted in the English language.
We may revise these terms at any time without notice. By using our website, you agree to be bound by the current version of these terms.
If you have any questions about our Terms of Use or Privacy Policy, you can contact us at dhruv@icebergtribe.com.