Termsof use

We respect your privacy and below is how we use your information.

Below Terms of Use are effective March 27, 2015.


myMoneySage.in is owned and maintained by Shreem Datatech Solutions Pvt. Ltd, from now on would be referred to as SDSPL The term “you” refers to the user or viewer of our website. By accessing, using and/or registering on the Website you have read, understood and agree to be legally bound by the terms and conditions and Privacy Policy governing this Website (collectively, “the Governing Conditions”). SDSPL reserves the right to make changes to the Website and the governing Conditions at any time. Your usage of the Website or Services and Information (defined later), is entirely at your own risk. If you do not agree with any of the governing Conditions, you should discontinue usage of the Website and/or Services and Information. Your continued use of the Website shall mean your deemed acceptance to the Governing Conditions, as modified from time to time.

SDSPL makes no representation, warranty or guarantee as to the quality, accuracy, completeness, performance or fitness of any alert, article, view, video, information, advice, tool, calculator, analysis, report, data, content news, price, statistic, comment, feedback, advertisement etc. provided on or through the Website (collectively, “the Services and Information”). “The Services and Information provided on or through the Website are of generic in nature and for information purposes only and they do not in any manner indicate any assurance or opinion of any manner whatsoever.

SDSPL neither offers nor intends to provide any investment advisory services; Services and Information are sourced from experts or third party service providers, which may also include reference to any associate or group company. However, any such services and information shall not be construed to represent that they belong or represent or are endorsed by the views of the Website or SDSPL.

SDSPL is an independent entity and such services and information from any group or associate company or any company listed on this website or links to third party websites are not in any manner intended or to be construed as being endorsed by. SDSPL You can choose and avail the services and information of any other service provider, including for undertaking any transaction or for any other investment related matters. Such services and offerings will be as per the terms and conditions agreed by and between you and the service provider offering such services. The Services and Information do not constitute investment or financial advice or advice to buy or sell, or to endorse or solicitation to buy or sell any securities or other financial instrument for any reason whatsoever. Nothing on the Website or Services and Information is intended to constitute legal, tax or investment advice, or an opinion regarding the appropriateness of any investment or a solicitation of any type. 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. Hence, they should not be solely relied on when making investment decisions. Your investment or financial decision shall always be at your own discretion and based on your independent research; and nothing contained on the Website or in any Services and Information would construe SDSPL or any of its employees/authorized representative as having been in any way involved in your decision making process. Any information and commentaries provided on the Website are not meant to be an endorsement or offering of any stock or investment advice. These are meant for general information only. SDSPL or any of its employees are in no way liable for the use of the information by you, when making any decision or investing or trading through any investment vehicles or group or associate companies of, SDSPL or any other third party which may be engaged in offering of these services. Investment in the securities market and any financial instruments are inherently risky and you shall always assume complete and full responsibility for the outcomes of all the financial or investment decisions that you make, including but not limited to loss of capital. You are therefore advised to obtain your own applicable legal, accounting, tax or other professional advice or services before taking or considering an investment or financial decision.

You also agree and understand that data feeds, prices, rates and other similar market value information about any product or asset or property or securities or account information could be based on delayed feeds and that these data or information may not reflect the real time values/actual rates. You are therefore advised to refer to latest market values/rates/prices from time to time. SDSPL is not responsible for any errors or omissions or for the results obtained from the use of the Website or Services and Information. SDSPL disclaims all liability of whatever nature, to any user, on account of the use of the Website or Services and Information. In no event shall SDSPL or its affiliates or its group company or its employees, directors or authorized representatives be held liable for any direct, indirect, special, consequential, punitive or exemplary damages of any nature whatsoever, for any decision made or action taken in reliance upon the Services and Information.

SDSPL/its employees/authorized representatives will not be responsible for any liability in respect of any person/entity directly or indirectly suffering any consequential losses, damages or claims of whatever nature as a result of any shortcoming, defect or inaccuracy that may have crept in on this Website, or otherwise using the information available on this Website in any manner. This Website may contain material or views or information submitted by users and/or third party sites; however, SDSPL accepts no responsibility or accuracy of such content, nor does the Website make any representations by virtue of the contents of this Website, in respect of the existence or availability of the same in any of the sections contained herein.

SDSPL shall not be liable for any failure on part of the SDSPL 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 (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure event continues.

“Force Majeure Event” means any event due to any cause beyond the reasonable control of SDSPL 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.

myMoneySage.in will contain articles, videos or views contributed by several individuals. The views are exclusively their own and do not necessarily represent the views of the Website or its management. There may be links to third party sites and when you access the same, they are not under our control and SDSPL is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Any information, opinions, advice or offers posted by any person or entity logged in to the Website or any of its associated sites is to be construed as public conversation only, and SDSPL shall not be liable or responsible for such public conversation.

For as long as your User ID remains registered with us in any of the following modes

  • As a free user
  • Subscribed for any paid services/plans
  • Requested for free consultation/orientation session
  • Any other mode of opt in like Whatsapp, Facebook, Zoom, Telegram etc.

From time to time based upon the above modes of registration with us, SDSPL may call you to recommend its own products and services or the products and/or services of third party institutions to you. You hereby authorize SDSPL to contact you, even though you are registered with a Do Not Call (DNC) status with your Telecom provider

You hereby consent that based upon your request, we may forward your contact details to third party institutions, and you authorize them to contact you, even if you are registered with a Do Not Call (DNC) status with your Telecom provider. If you have asked us, or if you do ask us in future not to send you any marketing material, you agree that this restriction will not apply to these recommendations / referrals.

SDSPL reserves the right to deny access of the Website or Service and Information to anyone, at its sole discretion.

The usage of the Website is exclusively subject to the laws of India and the jurisdiction of the courts of Bangalore in India. SDSPL expressly disclaims any implied warranties or liabilities imputed by the laws of any other jurisdiction. This site is specifically for users in the territory of India, though access to users outside India is not specifically denied.

What additionally is the use of this website subjected to?

Additional terms for Advisors, Associates and third party service providers:
The above terms also extends to advisors and third party service providers who empanel on myMoneySage to offer services to users on myMoneySage.

The Agreement between Shreem Datatech Solutions Pvt Ltd (The Company) and (“Business Partners”) shall be exclusively on ‘Principal to principal’ basis, In no event, the relationship between the Company and the Business Partners should be construed as that of the Principal and Agent and that of Employer and the Employee as there is no such intention to create such kinds of relationship. (Hereinafter referred to as “Agreement”)

At no point in time, the Business Partners shall accept any cash or cash equivalent from any of its client in respect of transaction executed under this agreement.

Empanelment and payment of commission to BP shall be in accordance with the internal parameters as mutually agreed between the Company and BP. Further, Company reserves right to withhold the pay out of commission and to suspend further business with BP in case of noncompliance on the part of BP of any of the terms and conditions specified in this Agreement or any of the provisions of law for the time being in force till the time BP rectifies the noncompliance or complies with the internal parameters of the Company.

In case BP receives any amount from the Company which is not due or payable to the BP, Company shall be entitled to recover or adjust in future bills all such amount wrongly paid to the company without any intimation to BP.

Income tax, if any at the rates prescribed under the Income Tax Act, 1961 shall be deducted from the payments to be made to BP. Any other statutory liabilities, such as service tax / VAT / other taxes as are applicable, as may be decided by Central / State Government from time to time shall be paid by BP.

SDSPL will not communicate directly to clients of advisors unless the advisor approves that communication.

Representation and Warranties of the BP :

BP shall at no point of time engage in any illegal or unethical practices, means, etc.

BP shall read and understand the terms and conditions of the different products offered by / through the company carefully and explain the market risks, investment risks, investment objectives and the special features of the respective products to its clients.

Further BP confirms the following

There are no enquiry/ adjudication / action/ prosecution is / was pending / completed by any of the regulatory / statutory authorities against BP or any of its Directors. To the best of knowledge, there are no enquiry/ adjudication / action / prosecution is / was pending / completed by any of the regulatory / statutory authorities against any of employees.

BP and any of its employees and directors have never been convicted of any offence involving fraud or dishonesty.

In the event of any changes(s) pertaining to information / explanation/ documents / declarations furnished under this agreement, it shall be responsibility of BP to notify all such changes immediately to the company without being asked.

BP agrees to abide by circulars, notifications, rules, regulations issued by the regulatory authorities, Issue specific requirements and the processes defined by the company from time to time.

BP hereby agrees that it shall strictly comply with laws/ rules and regulations of all the regulatory authorities with which it registered as applicable. BP further affirms that it is eligible to enter into present agreement with the company.

As a condition of engagement, BP agree to execute all documents necessary to protect and preserve the company’s proprietary rights in copyrights, trademarks, service marks, patents, processes and trade secrets, even if no longer engaged by the company. BP further agree at the company’s request, to confirm such rights in writing. Further, BP shall not use the name or any logo or mark of the company / issue in any manner whatsoever except as expressly agreed in advance in writing by the company.

The company reserves right to alter any terms and conditions governing appointment of BP, However company shall communicate the changes to BP promptly, especially and change which effects the rights / obligations of BP.

BP shall not transfer / assign the rights and benefits available under this agreement to any other party without the prior written consent of the company.

The parties to the agreement can terminate the contract after serving the due notice of 15 days to other party in writing without assigning any reason.

Not withstanding anything contained herein, the relationship between the parties shall expire immediately on happing of the events mentioned therein:

If the BP commits any default, failure, negligence, inadequacy of services, breach or violation of any of the terms and conditions mentioned herein.

If the company /BP opts for voluntary winding up / liquidation.

If the information submitted by BP is found to be incorrect / false, at any stage.

If BP is guilty of any conduct which the company believes prejudicial to the interest of the company or the investors or impossibility of performance on the part of either of the parties for any reasons beyond the control of the parties.

BP shall be responsible for all acts or deeds prior to its termination. The termination will not absolve the business liability arising out of any action, omission, deeds things done by BP prior to termination of agreement and also during the notice period of termination.

The provisions of this agreement shall be governed by and construed in accordance with Indian laws and in case of disputes between the parties the same shall be mutually settled through friendly negotiation, if it cannot be settled through negotiation in such case parties shall refer to arbitration, wherein each party shall appoint on arbitrator and arbitrators so appointed shall appoint one more arbitrator, so that the total number of arbitrators shall be three. The arbitration shall be conducted in accordance with the arbitration and conciliation Act, 1996, as amended and will be English language. The Arbitration proceedings shall be held at Bangalore.

This agreement shall be construed in accordance with the laws of India and shall be subject to the exclusive jurisdiction of the competent courts Bangalore only.

Cancellation And Refund Policy

It is important that the user goes through the cancellation and refund policy before he makes payment for any of the paid plans Along with the free plans, myMoneySage.in offers paid plans in both advisor as well as individual user versions Please note that once the user makes payment for availing paid services, the same cannot be cancelled, and hence refund of the same is not possible.

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