Terms and Conditions

1. Your Acceptance

By using or visiting the FlexxMoney website, mobile application, products, software, data feeds, and services provided by Kairos Labs Pvt Ltd (collectively referred to as the “Service”), you signify your agreement to:

• These Terms and Conditions (“Terms of Service”)
• FlexxMoney's Privacy Policy, available at flexxmoney.in/privacy-policy
• FlexxMoney's Community Guidelines (if applicable)

If you do not agree to any of these terms, please do not use the Service. Kairos Labs Pvt Ltd may modify or revise these Terms of Service at any time, and you agree to be bound by such modifications.

2. Service Description

FlexxMoney is a subscription-based micro-learning platform focused on financial education. Our Service includes:

• Financial Education Content: Short-form video lessons, courses, and tutorials on personal finance, investing, savings, taxation, insurance, and wealth creation.
• Expert Consultation: Access to verified financial experts for personalized guidance on various financial matters.
• Learning Resources: Articles, guides, calculators, and tools to help you make informed financial decisions.
• Community Features: Interactive features to engage with other learners and share knowledge.

The Service may contain links to third-party websites not owned or controlled by Kairos Labs Pvt Ltd. We assume no responsibility for the content or practices of third-party websites.

3. Accounts

To access certain features of the Service, you will need to create an Account. When creating your account:

• You must provide accurate and complete information
• You may never use another person's account without their permission
• You are solely responsible for the activity that occurs on your account
• You must keep your account password secure and confidential
• You must notify us immediately of any breach of security or unauthorized use

4. Subscription & Payments

FlexxMoney offers subscription-based access to premium content and features:

• Subscription Plans: We offer various subscription plans with different durations and features.
• Billing: Subscriptions are billed in advance on a recurring basis depending on the plan selected.
• Auto-Renewal: Unless you cancel before the renewal date, your subscription will automatically renew.
• Price Changes: We reserve the right to modify subscription prices. Changes will be communicated in advance.
• Payment Methods: We accept UPI, credit/debit cards, net banking, and digital wallets.

5. Expert Consultation Services

FlexxMoney provides access to financial experts for consultation. Please understand:

• Educational Purpose: Consultations are for educational purposes only and do not constitute professional financial advice.
• No Fiduciary Relationship: Experts are not acting as your personal financial advisors.
• Independent Decision Making: You are solely responsible for your own financial decisions.
• Availability: Expert consultation services are subject to availability and your subscription plan.

6. General Use — Permissions and Restrictions

Kairos Labs Pvt Ltd grants you permission to access and use the Service, provided that:

• You agree not to distribute any part of the Service or Content without prior written authorization
• You agree not to alter, modify, or create derivative works from the Service
• You agree not to access Content through any technology or means other than the official FlexxMoney app or website
• You agree not to use the Service for any commercial purposes without prior written approval
• You agree not to use automated systems, bots, or scrapers to access the Service
• You agree to comply with all applicable laws in your use of the Service

7. Your Use of Content

Content available through the Service is provided for your personal, non-commercial use only. You shall not download, copy, reproduce, distribute, transmit, broadcast, display, sell, license, or otherwise exploit any Content without prior written consent.

You agree not to circumvent, disable, or interfere with security-related features of the Service. Content is provided “AS IS” and we are not responsible for the accuracy, usefulness, or safety of such Content.

8. Your Content and Conduct

As a user, you may submit Content including comments, questions, and feedback. You are solely responsible for your Content and its consequences. By submitting Content, you grant Kairos Labs Pvt Ltd a worldwide, non-exclusive, royalty-free license to use such Content in connection with the Service.

You agree not to submit Content that is unlawful, defamatory, harassing, threatening, or violates any third-party rights. You agree not to submit misleading financial information that could harm other users.

9. Account Termination

We reserve the right to terminate or suspend your account and access to the Service for:

• Violations of these Terms of Service or any applicable laws
• Conduct that is harmful to other users or the Service
• Fraudulent, abusive, or illegal activity
• Non-payment of subscription fees

You may terminate your account at any time by contacting support@flexxmoney.in.

10. Intellectual Property

The Service and its original content, features, and functionality are owned by Kairos Labs Pvt Ltd and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. The FlexxMoney name, logo, and all related names, logos, product and service names, designs, and slogans are our trademarks.

11. Investment Disclaimer

IMPORTANT: Kairos Labs Pvt Ltd does NOT provide investment advisory services and is NOT registered as an investment advisor under SEBI or any other regulatory framework.

• All content is for educational and informational purposes only
• Nothing on this platform constitutes professional financial advice or investment recommendations
• Past performance does not guarantee future results
• Investing involves risk, including possible loss of principal
• Always consult with a SEBI-registered advisor before making investment decisions

12. Warranty Disclaimer

The Service is provided “as is” and “as available” without warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, timely, secure, or error-free, or that any errors will be corrected.

13. Limitation of Liability

To the maximum extent permitted by law, Kairos Labs Pvt Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues. Our total liability shall not exceed the amount paid by you in the twelve (12) months preceding the claim.

14. Indemnification

You agree to defend, indemnify, and hold harmless Kairos Labs Pvt Ltd from any claims, liabilities, damages, and expenses arising from your access to or use of the Service, your violation of these Terms, your violation of any third-party rights, or any financial decisions you make based on Content from the Service.

15. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Jaipur, Rajasthan, India.

16. Changes to Terms

We reserve the right to update or modify these Terms of Service at any time. When we do, we will revise the “Last updated” date at the top of this page. Your continued use of the Service indicates your acceptance of the modified Terms.

17. Contact Us

If you have any questions about these Terms and Conditions, please contact us:

• Email: support@flexxmoney.in
• Address: Kairos Labs Pvt Ltd, P.No. 928, Barkat Nagar, Kisan Marg, Tonk Phatak, Jaipur — 302015