This document records the terms and conditions that apply to the access and use of the website www.mahila.money and www.sheroesmoney.com and its mobile application available by the name of Mahila Money (available at android platforms and web only) (collectively, website and mobile application(s) to be referred to as "Platform"), which is managed and operated by/ on behalf of Mahila Money Pte. Ltd., (hereinafter to be referred to as "Mahila Money" or “Company” or “We” or “Us"), incorporated under the laws of Republic of Singapore.
By accessing the Platform or registering your information on the Platform or availing the services of the Company, the users (hereinafter referred to as "You" or "Your" or “Customer” or “User”) agree to be bound by these Terms and Conditions (“Terms”). These Terms along with Privacy Policy and Cookie Policy describes Mahila Money’s relationship with You and will be subject to the rules, guidelines, policies, terms, and conditions applicable to any Service that is provided through this Platform and shall be deemed to be incorporated into the Terms and shall be considered as part of the Terms.
The Terms are deemed as ‘electronic records’ under the applicable information technology laws and various rules thereunder, as applicable and amended from time to time. The Terms are generated by a computer system and do not require any physical or digital signatures.
You accept these Terms when You visit the Platform, sign up for, access, or use any of our Services, including but not limited to features, technologies or functions offered on our Platform including products and services (collectively referred to as “Services”). For the avoidance of doubt, Services excludes products, services offered by and/or on behalf of third-party service providers, via the Platform.
You understand and agree that Mahila Money will treat Your use of the Services as acceptance of the Terms from such point of usage. You shall not use the Services, visit the Platform if You do not accept the Terms.
By making use of the Platform, and furnishing Your personal/contact details, You hereby agree that You are interested in the Services, third-party products or services, offers, campaigns etc. that Mahila Money may offer/provide/share/send to You from time to time through any means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), WhatsApp or any other messaging service/mobile application or any other physical, electronic or digital means or mode. This can be for the purpose of gauging Your interest in the Services, third-party products or services and fulfil Your request, complete Your application and for customer servicing. This includes follow-up calls as well as calls pertaining to similar Services and/or third-party products and services. You agree and consent to receive communications relating to all of the above on Your phone/mobile number as provided by You on the Platform and expressly waive any registration or preference made under DND/NCPR list under the applicable TRAI regulations.
shall be considered as violation of the Terms. Any suspected fraudulent, abusive or illegal activity may be referred to the appropriate law enforcement authorities. These remedies are in addition to any other remedies that Mahila Money may have at law or in equity.
By accepting to submit Your loan application on the Platform You have accorded Your consent and authorized Mahila Money to share Your loan application details as provided by You to its lending partner, Ekagrata Finance Private Limited ("EPFL"). You understand and accept that these details need to be shared by EFPL further with MyShubhLife and other intermediaries on a need-to-know basis in order to complete all the formalities for processing the Loan/Loan application. You also hereby give your consent to Mahila Money and its representatives to reach out to You via call, SMS and/or email in order to fulfil Your request and for processing of Your loan application. You hereby accept the below terms and conditions by submitting this loan application on Mahila Money.
Terms and conditions:
● Mahila Money can access or request Your credit information from credit information companies in order to understand Your creditworthiness and curate personalized values for You. You hereby consent to and instruct the bureau to provide your credit information to yourself, Mahila Money and EPFL.
● However, merely processing the loan application does not cast any obligation and/or any liability on Mahila Money, EFPL or any other intermediaries to provide You a loan or a loan for such principal amount or duration, that You had applied for. The approval and amount of loan and other terms are at the sole discretion of the sanctioning officer who will form his opinion based on the documents submitted by You and other factors.
You are requested to thoroughly read the terms and conditions of the loan before accepting the same.
Mahila Money reserves the right to commence or discontinue the referral programme, or amend and modify its terms at any time it may deem fit, without providing any notice or intimation to any user.
Mahila Money from time to time, shall organise/ host events on/via its Platform, in which Users can participate with their video switched on or off, depending upon the User convenience and the technical capabilities of the Platform & event. You understand and accept that participation in such events on the Platform, shall be treated as Your irrevocable acceptance and authorisation to Mahila Money to use Your photo, video, audio (any or all) for Mahila Money’s promotional and/or marketing activities, in the manner Mahila Money deems fit and proper. Further, the content (spoken, written or otherwise) posted/disseminated by You during, before or after such an event or at any time on the Platform can also be used for this purpose. The same shall be considered as “User Content”.
You hereby accept and grant Mahila Money, a perpetual, non-revocable, worldwide, royalty-free and sub-licensable right and license to use, copy, distribute, display, publish, transmit, make available, reproduce, modify, adapt the User Content and create derivate works of the User Content. You represent and warrant that You own or otherwise control all of the rights to the User Content that you post or that You otherwise provide on or through the Platform; and that, as at the date that the User Content is posted or submitted on the Platform: (i) the User Content is accurate; (ii) use of the User Content, posted by You on the Platform does not breach these Terms; and (iii) that such User Content is lawful
You can enter our giveaway only if you agree to and accept the following terms and conditions applicable to your use (Terms and Conditions) without limitation or reservation. Additionally, You may not modify, reuse, report the contents of this giveaway for public or commercial purposes. Mahila Money reserves the right to cancel or amend the contest mentioned on this page or these Terms and
Conditions at any time without prior notice. Any changes will be posted within these Terms and Conditions.
Qualifying Entrants
This contest is open only to residents and permanent residents of India, who have completed 18 years
of age on or before 12th January 2022.
Contest Entries
● Entry to the Lucky Draw is valid each day from 4:00 PM, 12 th January 2022 to 8:30 PM, 19 th January2022.
● To qualify, participant must have
1. Downloaded and logged in the Mahila Money app
2. Shared a Money tip with her photo on the Mahila Monet app and adding the hashtags #Contest
● Each Participant is entitled to only one (1) gift voucher of Rs 500 from SHOPonSHEROES, which can be redeemed at their online store by 15th February 2022 on a minimum purchase of Rs.500/- in one go
● Representatives of Mahila Money will pick the lucky winner from eligible entries. Mahila Money’s decision in this regard is final and no correspondence will be entertained about it.
● The winners may be required to participate in a photo/video session during or post the issuing of gift. Pictures may be posted online or showcased in SHOPonSHEROES website or stores for display purposes and the winners assure that they do not have any issue regarding such display of photo / video.
● Acceptance of a prize shall constitute consent on the winner's part to allow the use of the winner's name, image, voice and/or likeness by Mahila Money for editorial, advertising, promotional, marketing and/or other purposes without further compensation except where prohibited by law. Acceptance of a prize shall constitute a release and discharge of Mahila Money by each winner from any and all liability, claims, demands, causes of action, and/or damages which the winner may have, whether known or unknown at the present time, of any nature whatsoever, arising out of or relating to: (i) the contest, (ii) personal injury and/or property damage, theft or loss suffered by the winner as a result of the use and/or enjoyment of the prize, and/or (iii) any tax liabilities in relation to the contest, prize and/or use or enjoyment of the same.
● Mahila Money reserves the right to disqualify all entries that do not meet the rules and regulations of the contest. These include entries submitted with invalid or incorrect information.
Prizes
● Winners will receive their prizes by SHOPonSHEROES. Digital Vouchers will be issued.
● Prizes are non-transferable and non-exchangeable for cash or other items and are subject to availability. Value of the prizes may vary; Mahila Money and SHOPonSHEROES reserves the right to replace any prizes with items of similar value without prior notice.
● The winners of the contest will be notified by 15 th January 2022 via a phone call/online message/ e-mail. In case, there is no claim by the winner(s) within a period of 30 days, Mahila Money reserves the rights to deal with all unclaimed prizes in any manner deemed fit.
● Employees of Mahila Money and their immediate family members are not eligible to participate in this contest.
Liabilities
● All gifts will be subject to Indian laws, including tax regulation as and when applicable. Winners need to bear all Govt. taxes including income tax or other taxes and surcharges or any other taxes which might be relevant on the Gift.
● Mahila Money bears no responsibility for any damage, loss, injury or disappointment suffered by any Entrant entering the Contest or as a result of entering the Contest or accepting any prize.
Mahila Money is not responsible for any safe custody, return, non-delivery or missing of entries, late, misdirected, problems or technical malfunction of any telephone network or lines, computer on-line systems, servers, or providers, computer equipment, software failure of any email or entry to be received on account of technical problems or traffic congestion on the Internet, telephone lines or at any web site, or any combination thereof, including any injury or damage to an Entrant's or any other person's computer or mobile telephone related to or resulting from participation or downloading any materials in the Contest.
● By entering the Contest or accepting the prizes, an Entrant agrees that no claim relating to such losses or injuries (including special, indirect and consequential losses) shall be asserted against Mahila Money, its parent companies, affiliates, directors, officers, employees or agents from any and all losses, damages, rights, claims and actions of any kind resulting from the Contest and acceptance of any prize, including without limitation, personal injuries, death and property damage.
● Mahila Money reserves the right to withdraw/suspend/cancel this contest without any prior notice and without assigning any reason thereof including the reason happening on account of Acts of God like earthquake civil riots, floods etc.
● Any disputes, differences and/or any other matters in relation to and arising out of this Promotion and, or pertaining to these terms and conditions shall be governed by and construed in accordance with applicable laws in India and will be subject to exclusive jurisdiction of the courts at New Delhi alone.
Use of Personal Information
By entering the contest, You agree:
● to the use of your name and/or likeness, without compensation, for Mahila Money’s promotional and marketing purposes; and
● to the use of the information submitted on the contest entry form, without compensation, for Mahila Money’s promotional and marketing purposes; and
● to the use of your answers to the questions and/or tie breaker for Mahila Money’s promotional and marketing purposes.
● to use your pictures for Mahila Money’s social media to publicize our winner list.
● Each individual participating in this contest acknowledges that she is authorized to disclose such Personal Information to Mahila Money or obtained by Mahila Money from her pursuant to this application.
● Each individual participating in this contest acknowledges that any disclosure of Personal Information that she makes to Mahila Money complies with applicable Privacy Legislation within the geographical scope of this competition, and the use of such Personal Information by Mahila Money as contemplated by this application (including, without limitation, the disclosure of such Personal Information to Mahila Money’s external agencies or third parties).
● Mahila Money respects the privacy of every individual who visits our Web site or responds to our contest. Please refer to our Privacy Statement for details.
Disclaimer
● Please be advised that all materials posted on the Web Site are subject to public downloading by third party viewers. Mahila Money has taken precautionary steps to deter users from downloading. However, should downloading persist, Mahila Money shall not be held accountable or liable for any damages caused.
Privacy Policy and General Terms and Conditions
● Information - When using the Mahila Money’s social media, you may be asked to enter information. The Information will only be used for the purposes explained when you have been asked to enter the Information and/or in accordance with these Policy Terms and Conditions.
● Provision of Information to Third Parties – Mahila Money will not sell or otherwise transfer the Information to unaffiliated third parties without your approval. If applicable, You will have the opportunity to indicate whether You would like to "opt in" to receiving promotional and/or marketing information about other products, services and offerings from Us and/or any third
parties.
● Analysis of User Behaviour – Mahila Money reserves the right to perform statistical analyses of user behaviour and characteristics in order to measure interest in and use of the various areas of the Mahila Money’s social media and to inform advertisers of such information as well as the number of users that have been exposed to or clicked on their advertising banners. Mahila
Money will provide only aggregated data from these analyses to third parties. Mahila Money not responsible for any actions or policies of any third parties who request personal information, and You should check the applicable privacy policy of that party.
● Incomplete information provided or failure to provide true and accurate information stated in these Terms and Conditions, failure to submit proof / identification and/or original confirmation number upon collection of the Prize will automatically disqualify the Entrant.
Mahila Money shall have absolute and sole discretion to determine whether any Entrant should be disqualified by reason of failure to abide by these Terms and Conditions, bad faith, fraud, or any other legitimate reason.
● Cookies - You should be aware that information and data may be automatically collected using "cookies". "Cookies" are small text files a Mahila Money’s social media can use to recognise repeat users and allow Us to observe behaviour and compile aggregate data to improve the Mahila Money’s social media and to target its advertising. Cookies do not attach to Your
system and do not damage Your files. If You do not want information collected using cookies, there is a simple procedure in most browsers that allows You to deny or accept the cookie feature.
● Changes to this Policy – Mahila Money reserves the right, at any time, to modify, alter, or update this privacy policy and any changes shall be notified to You.
TERMS AND CONDITIONS FOR MM Medic (“Terms”)
The 1(one) time visit to the gynaecologist, Diagnostic Tests, ambulance assistance and assistance in locating nearest police station shall be collectively referred to as the “Plan Inclusions”.
The physical visit to the gynaecologist is available in such cities, as are provided at end of document
The home collection for Diagnostic Tests is available in such cities, as are provided at end of document
The 24*7 ambulance assistance and 24*7 assistance in locating nearest police station is available pan India.
Collectively, these shall be referred to as the “Personal Information”.
The User upon sharing Personal information, provides its consent and authorises Mahila Money to share the Personal Information with Global Assure to facilitate the provisioning of the Plan Inclusions and the processing and issue of such documentation, as is necessary.
(b) Certificate Number
The refund for the Plan will be credited back to the payment source, within 15 days from the date of receipt of request, subject to the same being approved by Global Assure and there has been no attempt for the Redemption of the Plan.
Global Assure shall have no liability whatsoever in this regard and the User understands and accepts that Global Assure has no tie-up or engagement with the ambulance providers and only uses the information available in the public domain to aid and assist the User to locate the ambulance, nearest to the location shared by the User, The User understands and accepts that if the User decides to avail the ambulance assistance, it will be an independent contractual relationship between the User and the party providing such ambulance service. The User should only avail the ambulance service offered by way of 24*7 ambulance assistance, after satisfying itself completely about the suitability and affordability of the ambulance and other terms of the service.
Disclaimer: Mahila Money makes no representation, warranties and does not provide any assurance about the:
I, have read and understood the Terms in entirety. I understand and accept that Mahila Money Private Limited and its affiliate are in no way responsible for the quality or lack thereof for the provisioning of the Plan Inclusions and they shall have no liability or responsibility in this regard. I have decided to avail and redeem the Plan only after exercising my discretion and judgement and no representation, assurance, warranty has been provided to me by Mahila Money Private Limited and its affiliate in respect of this Plan. I have consented to and authorised Mahila Money to share the Personal Information with Global Assure.
Annexure
Physical Visit to Gynecologist:
S. No. Location
1.Bangalore
2.Chennai
3.Delhi NCR
4.Hyderabad
5.Jaipur
6.Kolkata
7.Mumbai
8.Nagpur
9.Pune
Health Check up
Sl No Location
1.AGRA
2,AHMEDABAD
3.AMBALA
4.AMRITSAR
5.BAHADURGARH
6.BENGALURU
7.BHOPAL
8.BHUBANESWAR
9.CHANDIGARH
10.CHENNAI
11.DEHRADUN
12.DELHI
13.FARIDABAD
14.GHAZIABAD
15.GREATER NOIDA
16.GURGAON
17.HYDERABAD
18.INDORE
19.JAIPUR
20.JALANDHAR
21.KANPUR
22.KARNAL
23.KOLKATA
24.KURUKSHETRA
25.LUCKNOW
26.LUDHIANA
27.MEERUT
28.MOHALI
29.MUMBAI
30.NAGPUR
31.NOIDA
32.PANCHKULA
33.PANIPAT
34.PATNA
35.PUNE
36.RAIPUR
37.RANCHI
38.ROHTAK
39.SONIPAT
40.SURAT
41.VADODARA
42.VARANASI
43.VISAKHAPATNAM
25 Home Test
S. No.
Female Basic full body check with 25 parameters
1.Urine Routine & Microscopy Extended (21)
2.Blood Glucose Fasting (1)
3.SGOt/SGPT (1)
4.Creatinine (1)
5.TSH (1)
Urine Routine & Microscopy Extended (21)
1.ph Urine
2.Specific gravity
3.Urobilinogen
4.Colour
5.Transparency
6.Albumin
7.Sugar
8.Blood
9.Red Blood Cells
10.Pus cells (Leukocytes)
11.Epithelial cells
12.Crystals
13.Cast
14.Bacteria
15.Yeast cells
16.Nitrate
17.Urine Ketone
18.Leucocyte Esterase
19.Bile Pigments (Bilirubin)
20.Others - Urine
21.Volume - Urine
Mahila Money March campaign on Gpay
These terms and conditions (“GPay T&Cs”) are in addition to the exhaustive Terms and Conditions created for and on behalf of Mahila Money Private Limited (“Mahila Money”, “we”, “us”, “our”) which shall include its subsidiaries, affiliates, and/or holding company, as the case maybe) and made available on the website and/or application of Mahila Money (“Platform”). The GPay T&Cs shall provide the manner in which eligible GPay users (“you”/“your”) can redeem the unique Mahila Money coupon code (“Coupon Code”) awarded to certain GPay users to avail loan facilities on the Platform through Google Pay.
By accessing or redeeming the Coupon Code, GPay users agree to abide by the GPay T&Cs along with the exhaustive terms and conditions on the Platform. If you do not agree with any of these, please refrain from accessing or redeeming the Coupon Code.
Usage of Coupon Code
Registration and availing of the Coupon Code
Current Offer
Mahila Money Holi offer on Gpay
These terms and conditions (“GPay T&Cs”) are in addition to the exhaustive Terms and Conditions created for and on behalf of Mahila Money Private Limited (Hereinafter referred to as “Mahila Money”, “we”, “us”, “our” which expression(s) shall include its subsidiaries, affiliates, and its holding company, as the case maybe) and made available on the website and/or application of Mahila Money (“Platform”). The GPay T&Cs shall provide the manner in which eligible GPay users (“you”, “your”) can redeem the unique Mahila Money coupon code (“Coupon Code”) awarded to certain GPay users to avail loan facilities on the Platform through Google Pay.
By accessing or redeeming the Coupon Code, GPay users agree to abide by the GPay T&Cs along with the exhaustive terms and conditions on the Platform. If you do not agree with any of these, please refrain from accessing or redeeming the Coupon Code.
Usage of Coupon Code
Registration and availing of the Coupon Code
Current Offer
Mahila Money Prepaid Card - Terms and Conditions
Mahila Money Protect- Terms and Conditions
These Terms and Conditions were last updated on 16th day of March, 2022.
Mahila Money Pte. Ltd. (“Mahila Money”, “we”, “our” or “us”) recognizes the importance of protecting personal details and information, and thus provides this Privacy Policy with respect to the access and use of various products and services of Mahila Money by way of any type of devices and media, including web-based, mobile-based applications, devices, URLs/links, notifications, chatbot and other forms of digital or non-digital media, (“Platforms”) as owned and operated by us and/or our affiliates and services provided thereon by us and/or our affiliates (“Services”). The term Platforms will also include all pages that are sub-domains or are associated with or within each Platforms and all devices, applications, features, technologies, functionalities and other services that Mahila Money operates or offers through such Platforms.
For the purpose of this Privacy Policy, the user of Services may be customers, channel partners, vendors or any other persons using Services or accessing the Platforms (“user”, “you” or “your”). This Privacy Policy will help you understand our policies and procedures regarding the collection, handling and use of your information.
We are committed to respecting your online privacy and recognize your need for appropriate protection and management of any information you share with us on the Platform.
This Privacy Policy (“Policy”) is being framed in accordance under the applicable law.
By using our Services through the Platforms, you signify your assent to this Policy and consent to the processing of your personal information and/or sensitive personal data or any other transaction that is generated with your use of the Platforms (“Information”). If at any time, an individual provides Information about someone other than himself or herself, the individual warrants that they have that person’s consent to provide such information for the purpose specified. The Services are not available to persons below the age of 18 years.
If you do not agree with this Policy, ensure that you do not, in any manner, use our Services or download, install and/or use the mobile application.
By accessing or using the Platform and/or availing the services provided through the Platform or otherwise giving us your information, you undertake that you have the capacity to enter into a legally binding contract vide this Policy, which constitutes a legally binding document between you and Mahila Money under the applicable law. Mahila Money collects and processes your usage data, personal data and third-party data carefully, only for the purposes described in this Policy and only to the extent necessary as defined herein and within the scope of all applicable legal regulations. This Policy seeks to ensure that any personal information or third-party information handled by Mahila Money is managed in a way that is ethical, compliant and adheres to the best industry practices.
This Policy describes the types of information Mahila Money collects, why and how Mahila Money uses the information, with whom Mahila Money shares it, and the choices you can make about Mahila Money use of the information. We also describe the measures taken by us to protect the security of the Information and how you can contact Mahila Money about its privacy practices.
This Policy describes Mahila Money current data protection policies and practices which may be amended or updated from time to time. Any changes to this Policy will become effective upon posting of the revised Policy on the Platform. It is recommended that you regularly check this Policy to apprise yourself of any updates. Your continued use of Platform or provision of data or information thereafter will imply your unconditional acceptance of such updates to this Policy.
We intend to provide services and features that meet your needs. To do so, when You use our Platforms, we may obtain the following information about you and your device from which you avail Services–
Mahila Money primarily collects your Personal Data to provide you with a secure, smooth, and efficient experience on our website. Not only does this help us personalize and improve your experience, but the additional information also helps in preventing any misuse.
Wherever possible, Mahila Money will indicate the data fields as either required or are optional. However, if you are unable to provide the required information we need, we may not be able to provide you with the product or service you have requested. Provided that once we get your consent, we may also use your Personal Data for other lawful purposes which we will tell you about when it is required. By way of example, some of the uses of your Personal Data would include the following:-
Your Personal Data is only accessible to those with a legitimate need-to-know basis. We do not disclose or share your Information with any third-party without your consent and ordinarily for some or all matters set out below:-
Law enforcement, government officials, or other third parties pursuant to a summon, court order, or other legal process or requirement applicable to the Mahila Money or one of its affiliates/subsidiaries; when we need to do so to comply with law;
We take care to allow your Personal Data to be accessed only by those who really need it in order to perform their tasks and duties and to third parties who have a legitimate purpose for accessing it and with your consent.
If we go through a corporate sale, merger, reorganization, dissolution or similar event, Personal Data we gather from you may get transferred in connection with such an event. Any acquirer or successor of the Mahila Money may continue to use the information described in this Policy.
We share, disclose or distribute any of your Information to any third party unless required under an arrangement between Mahila Money and the third party for service delivery, product enhancement, analysis, risk and security purposes, communication purpose, etc. For example, Mahila Money may, itself or through third parties, send you emails, SMS, such other means to communicate, send reminders for payment, advertise its services, promote new products and activities or for your invaluable feedback or for marketing purposes.
To complete a transaction, we may share financial information (such as credit card details or other payment mode details) provided by you with authorised third parties, for instance, our business partners, financial teams/institutions involved in fulfilment of the said transactions, if any.
If, by usage of some functionalities of our Service, you receive Information about other user(s), you agree to keep the same confidential and only use it in connection with the Services, without disclosing the same to another user or third party.
In order to ensure that all our users comply with the user rules, we may monitor your Information to the extent that this may be required to determine compliance and/or to identify instances of non-compliance.
We will only disclose your Information in accordance with this Policy. If we want to use it for any other purpose, we will obtain your consent.
Mahila Money does not control the acts of its users. All users should be aware that, when they disclose Information such as their name, e-mail address, etc. to third parties, that Information may be collected and used by others to send unsolicited e-mail from other parties, who may or may not be users. In the event that you encounter any person improperly collecting or using information about users, please contact us by emailing at support@mahila.money
We are dedicated to guarding the security of your information. We use several industry-standard security technologies and procedures devised to help protect your data from unauthorized access, use, or disclosure. The detailed specifics for the same have been provided below.
We work to protect the security of your Information during transmission by using appropriate software, which encrypts information you input. This encrypted information is stored on secure servers and data centres. Further, we ensure that the number of employees involved in the management of the data centre who have physical access to these computers is limited. Also, we use advanced security technology to prevent our computers from being accessed by unauthorized persons.
We use all reasonable and appropriate technical and organizational security measures to protect the security of your Personal Data both online and offline including the implementation of access controls, implementation of firewalls, network intrusion detection and use of anti-virus software.
Please note that no system is completely secure. So, while we strive to protect your data, we cannot guarantee that unauthorized access, hacking, data loss or a data breach will never occur.
If any security breach comes to our knowledge, then we may take all steps required to protect misuse of such Information and may attempt to notify you electronically so that you can take appropriate protective steps.
In addition to being able to update and correct your Personal Data, you may also have other data protection rights. This revolves around what you can allow or restrict us to do with your information.
Siddhika Aggarwal
Mahila Money Pte. Ltd.
E-mail ID: - customercare@mahila.money
This Privacy Policy was last updated on the 28th day of August, 2021.