Terms & Conditions

Terms of use

Date of last revision: July 1, 2019

This page (together with the Privacy Policy and Investor Services Agreement referred to herein) explains the terms of use (“Terms”) of using the website and services (“Services”) provided by Money Honey Financial Services Private Limited (“Money Honey”). We are located at 1st Floor, Nahar Singh Industrial Building, Ram Mandir Road, Goregaon West, Mumbai 400104, India. If you do not agree with these Terms, please stop using the Services and contact us.

A. Using Our Services

Money Honey helps you invest in diversified mutual fund portfolios, Corporate Fixed Deposit, Bonds. Please don’t misuse or disrupt our Services or try to access them using a method other than the interface and the instructions that we provide. If you interrupt, destroy or limit the functionality of our Services, we may stop providing our Services to you and pursue legal action against you.

Using our Services does not give you ownership of any intellectual property rights, including any branding or logos, in our Services or the content you access. You may not use content from our Services unless you obtain our permission first, and attribute ownership appropriately.

If you have provided us your contact details, such as email or phone number, we may send you announcements, messages or information on our Services and how to use them. You may opt out of some of these messages.

B. Your Privacy and Data Protection

Money Honey’s Privacy Policy (available at: https://www.moneyhoney.co.in/privacy-policy) explains how we treat your personal data and protect your privacy when you use our Services. By using our Services, you agree that Money Honey can use such data in accordance with our Privacy Policy.

C. Money Honey Intellectual Property

Money Honey owns all intellectual property rights in respect of the Services including any literature, reports, data, drawings, designs, diagrams, tables, software, source code or object code or other information or materials, howsoever stored or held, acquired, created, developed, designed or in any way prepared, by Money Honey.

The “Money Honey” name and logos and all related names, trademarks, service marks, design marks, and slogans are the trademarks or service marks of us or our licensors.

You may not use the Money Honey logo in any manner that is deceptive or disparaging, or in connection with any product or service that Money Honey does not explicitly endorse. If you wish to use Money Honey’s trademarks, please contact us.

D. Your Content in our Services

Some of our Services allow you to upload, submit, store, send or receive content. You retain ownership of any intellectual property rights that you hold in that content. In short, your information stays yours.

When you upload, submit, store, publish, send or receive content to or through our Services, such content must not:

  1. be harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another’s privacy, hateful or racially or ethnically objectionable, disparaging, and relating to or encouraging money laundering or gambling.
  2. harm minors in any way.
  3. infringe any patent, trademark, copyright or other intellectual property rights.
  4. deceive or mislead the reader about the origin of such messages or communicate any information that is grossly offensive or menacing in nature;
  5. contain software viruses or any other programs designed to interrupt, destroy or limit the functionality of another computer or mobile device.
  6. threaten the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order.
  7. cause the incitement to commit any offence or prevent the investigation of any offence.
  8. be insulting to any other nation.
  9. impersonate another person.

Please also note that under the IT Act, such above actions may be considered a crime.

E. Intellectual Property of Others

You may not upload or publish or share any information that belongs to another person and to which you have no right to. If you think somebody is violating your copyright and want to notify us, please contact us. We will work with you to resolve your issue.

F. Software in our Services

When a Service includes downloadable software, Money Honey gives you a personal, worldwide, royalty-free, non-assignable, non-sublicensable, and non-exclusive license to use the software provided to you as part of our Services. This license is for the sole purpose of enabling you to use and enjoy the benefit of our Services, in the manner permitted by these Terms.

You may not copy, modify, distribute, sell, or lease any part of our Services, including our software, nor may you reverse engineer or attempt to extract the source code of that software, unless you have our written permission.

G. Your Money Honey Investment Account

You will need a Money Honey investment account in order to make investments, the operation of which, is additionally covered by the Investment Services Agreement (which will be available to you at the time of account opening). You will need to accept the Terms of this Agreement to open an account with us.

H. Modifying and Terminating Our Services

We are constantly changing and improving our Services. We may add or remove functionalities or features, and we may stop a Service altogether. In each case, we will give you reasonable advance notice. You can stop using our Services at any time. Money Honey may also stop providing Services to you, or create new limits to our Services at any time.

I. Warranties and Disclaimers

The information we provide through our Services does not constitute advice. Other than as expressly set out in these Terms or the Investor Services Agreement, neither Money Honey nor its service partners make any specific promises about the Services. We don’t make any commitments about the content within the Services, the specific functions of the Services, or their availability to you at all times. We provide the Services “as is”.

J. Liability for Our Services

When permitted by law, Money Honey and its service partners will not be responsible for lost profits, revenues, or data, financial losses, or any damages.

In all cases, Money Honey and its service partners will not be liable for any loss or damage that is not reasonably foreseeable.

K. About these Terms

We may modify these Terms to reflect changes to the law or changes to our Services. We will notify you of such changes. Changes will never apply retroactively and will be effective immediately on posting. If you do not agree to the modified Terms, please discontinue your use of the Service.

If there is a conflict between these Terms and the terms of our Investor Services Agreement, the terms of the Investor Services Agreement will prevail for that conflict.

These Terms govern the relationship between Money Honey and you. They do not create any third party beneficiary rights.

If you do not comply with these Terms, and we do not take action immediately, it will not be construed as our consent to your non-compliance.

If any term contained in these Terms is unenforceable, it will not affect the other Terms.

You agree that the laws of India will apply to any dispute arising out of or in relation to these Terms or the Services.

All disputes will be subject, first, to mediation, and then by arbitration by a sole arbitrator appointed by Money Honey in accordance with Indian law. The venue of arbitration will be Mumbai, Maharashtra.

L. SEBI Caution

Mutual fund investments are subject to market risks, read all scheme-related documents carefully. Past performance is not an indicator of future returns.

M. Refund & Cancellation Policy

In case of failure of transaction process at any step and your bank account is debited, it will be reversed to the actual payment mode within 5 business days. If a transaction is successfully processed by the payment gateway, there won’t be any refund or cancellation. You can withdraw the amount as soon as it gets allocated in your portfolio through our dashboard.

N. Use of Cookies

The use of cookies by our website is intended to monitor site usage whenever a user accesses our website and its services. Cookies contain information that you provide such as your username and password. We use cookies on our site to help us understand what pages are frequently visited and to improve the web site experience. A cookie cannot affect data on your computer and cannot provide us with information about other sites you have visited.

Your web browser can be set not to accept cookies or to warn you before accepting a cookie. If you wish to access secured sections of our web site, you will have to enable per-session cookies in Microsoft Internet Explorer. Most sections in our website can be accessed without accepting a cookie.

O. COMMENTS / FEEDBACK

Do write in to cs@moneyhoney.co.in on any concerns regarding our privacy policy.