TERMS AND CONDITIONS

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. 

1.USER ELIGIBILITY

1. By accepting these Terms, You hereby declare and confirm that: 
   

• You are a resident of India, of female sex. 
• You are above 18 (Eighteen) years of age.
• Have the capacity to enter into a legally binding contract as specified under the Indian Contract Act, 1872, while accessing the Platform and/or availing the Services offered by the Company.
• You are not barred or otherwise legally prohibited from accessing or using the Services under the laws of India or any other applicable law.
  

2. In order to use the Services, You need to register on the Platform and provide Us with accurate information as requested by Us and ensure that such information is complete and updated at all times, in all aspects.
   

3. Mahila Money reserves the right to suspend any account, block any User from accessing the Platform and/or availing any Service if it determines the same to contain incorrect information and/or is erroneous or is a violation of the Terms.
   

4. For availing the Services and third-party products and services, certain additional terms and conditions will apply. Kindly read those additional terms and conditions carefully, before accepting. 
   

5. You shall be solely responsible for maintaining the confidentiality of Your password and login ID that allows You to access the Platform. You shall be responsible for all activities that occur through Your account or password. You shall intimate Mahila Money immediately of any suspected/actual unauthorized use of Your account. Mahila Money shall not be liable for any unauthorized use or access of Your account including any loss that might be caused to You from unauthorised access.

2. PROPRIETARY RIGHTS AND PLATFORM ACCESS

1. You acknowledge and agree that Mahila Money owns all rights, title and interest in and to the Services and the Platform, including any intellectual property rights which subsist in the Services (whether registered or not) and the Platform. You further acknowledge that the Services may contain information which is designated confidential by Mahila Money and that You shall not disclose such information without Mahila Money's prior written consent. 

2. Mahila Money grants You a limited license to access and make personal use of the Platform and the Services. This license does not confer any right to download, copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the Services and the Platform. You do not have the right to use any of Mahila Money's trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You will not copy or transmit any of the contents of the Platform. You shall not use this Platform or its contents for any commercial purpose or make any speculative, false, or fraudulent transaction.
   

3. You shall not use any "deep-link", "page-scrape", "robot", "spider" or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Platform or any of its content, or in any way reproduce or circumvent the navigational structure or presentation of the Platform or any of its content to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Platform. We reserve the right to bar any such activity.
   

4. You shall not attempt to gain unauthorized access to any portion or feature of the Platform, or any other systems or networks connected to the Platform or to any server, computer, network, or to any of the services offered on or through the Platform, by hacking, password mining or any other illegitimate, illegal means.
   

5. You shall not probe, scan or test the vulnerability of the Platform or any network connected to the Platform, nor breach the security or authentication measures on the Platform or any network connected to the Platform. You may not reverse look-up, trace or seek to trace any information on any other User on the Platform, including any account on the Platform not owned by You, to its source, or exploit the Platform or information made available or offered by or through the Platform in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than Your own information, as provided for by the Platform.
   

6. You will not misrepresent, conceal Your identity or otherwise manipulate identifiers to disguise the origin of any communication that you may send to us on or through the Platform. You may not pretend that You are, or that you represent, someone else, or impersonate any other individual or entity.
   
   

7. You agree and acknowledge that for undertaking any financial transaction, third-party products and services through the Platform or for availing the Services, Mahila Money or its partner financial institutions, vendors, service providers, business partners, agents or any other third party may undertake client/customer due diligence measurers and seek mandatory information required for Know-Your- Customer (“KYC”) purpose, as mandated by RBI.

3. COMMUNICATION POLICY

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.

4. ARRANGEMENT OF MAHILA MONEY WITH THIRD-PARTY SERVICE PROVIDERS

1. Mahila Money has entered into contractual arrangements with third-party service providers wherein such third parties shall be providing their services and products to the Users via the Platform.
   

2. You agree and understand that under such an arrangement with third-party service providers, Mahila Money shall be acting as a referrer, whose role shall be limited to introducing, referring and directing the Users to the third-party service provider, post which Users will be sharing/providing the specific details on the Platform, as requested by the third party. Once Customers have been referred, the Customers are solely responsible for any and all services and/or products availed by them from third-parties.
   

3. Mahila Money and any of its employees, agents, principals, or representatives do not vouch for authenticity, genuineness, transparency, security about third -party service providers and neither provides the User with any representation, assurance or warranty (express or implied) about the same. Your interaction with any third party accessed through the Platform is at Your own risk, and Company will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third-parties or for any personal injuries, death, property damage, or other damages or expenses resulting from Your interactions with the third-parties. We suggest that the Users should study the terms and conditions, carry out their due-diligence before entering into any contractual arrangement with such third-party service provider.
   

4. All processes including RBI mandated Know-Your-Customer (“KYC”) process for such third-party products and services will be executed by the said third-party service provider directly with Users and Mahila Money will not incur any responsibility or liability for the same. 
   

5. It is clarified that Mahila Money is not the provider of the products and services offered by such third-parties and is only a facilitator for their services and products and therefore in the event of any dispute whatsoever, it shall not assume any responsibility. 

5. INDEMNIFICATION, LIMITATION OF LIABILITY AND DISCLAIMERS

1. You agree to indemnify and hold Mahila Money (and its officers, directors, agents and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to Your breach of the Terms, Your violation of any law or the rights of a third party, or Your use of the Platform, any dispute or litigation caused by Your actions or omissions, Your negligence and fraud committed by You.
   

2. Notwithstanding anything to the contrary, Mahila Money (including its officers, directors, employees, representatives, affiliates, group companies and providers) will not be responsible or liable for:
   

• any injury, death, loss, claim, act of god, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation; lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with (i) any failure or delay (including without limitation the use of or inability to use any component of the Platform including the Services), or (ii) any use of the Platform or content, or (iii) the performance or non-performance by Us or any provider, even if We have been advised of the possibility of damages to You or any other party, or 
  

• any damages to or viruses that may infect Your device or other property as the result of Your access to the Platform or Your downloading of any content from the Platform. The Platform may provide links to other third-party platforms. However, since Mahila Money has no control over such third-party platforms, You acknowledge and agree that Mahila Money is not responsible for the availability of such third-party websites and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such third-party platforms. 
  

3. The Platform and all content and Services including the Products provided on the Platform are provided on an "as is" and “as available” basis. Mahila Money expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. Mahila Money makes no warranty, and expressly disclaims any obligation, that:
   

• the content will be up to-date, complete, comprehensive, accurate or applicable to Your circumstances;

• The Platform will meet Your requirements or will be available on an uninterrupted, timely, secure, or error-free basis;
  

• the results that may be obtained from the use of the Platform or any Services offered through the Platform will be accurate or reliable; or 
  

• the quality of any products, services, information, or other material obtained by You through the Platform will meet Your expectations.
  

4. Any content aimed for providing general awareness does not constitute an investment advice or endorsement or solicitation by Mahila Money. These contents and/or information are derived from publicly available sources and Mahila Money cannot verify or confirm the genuineness, authenticity or veracity of such information. 
   

5. Use of the payment facilities provided by the Platform shall not render the Platform liable or responsible for the non-delivery, non-receipt, non-payment, damage, breach of representations and warranties, non-provision of after sales or warranty services or fraud as regards the products or services listed on the Platform. The Platform shall not be responsible for any damages, interests or claims arising from not processing a transaction. 
   

6. You hereby agree to provide accurate information, such as credit/debit information for purchasing any Service or third-party services and products, on or through the Platform. You further warrant that You shall not use payment information or instrument that is not lawfully owned by You. In addition to these terms of use, the terms and conditions of the bank or other financial institution shall also be applicable to every User. The Platform disclaims any liability arising out of declining of payment by such bank or financial institution.
   

7. In addition to the above, all the disclaimers specified under the terms and conditions of specific Services shall be deemed to made applicable to the Terms and shall be considered as part of the Terms.

6. VIOLATION OF TERMS 

1. We reserve the right, in our sole and absolute discretion, to suspend or terminate Your use of one or more Mahila Money Services and third-party products and services, without notice and without liability to You or any third party, for any reason, including without limitation inactivity or violation of the Terms and other applicable policies that We may publish from time to time.
   

2. You understand and accept that if You engage in any of the following activity and/or You host, display, upload, modify, publish, transmit, store, update or share any information on/via the Platform that:
   

• belongs to another person or entity and to which You do not have any right;
  

• is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another person's privacy, insulting or harassing on the basis of gender, hateful or racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent or contrary to the laws in force in any manner whatsoever;
  

3. is misleading in any manner;
   

4. involves the transmission of "junk mail", "chain letters", or unsolicited mass mailing or “spamming";
   

5. infringes upon or violates any third party's rights including, but not limited to, any patent, trademark, copyright or other proprietary rights or intellectual property rights, rights of privacy (including without limitation unauthorized disclosure of a person's name, email address, physical address or phone number);
   

6. impersonates another person or provides instructional information about illegal activities such as violating someone's privacy, or providing or creating computer viruses;
   

7. tries to gain unauthorized access or exceeds the scope of authorized access to the Platform or to profiles, blogs, communities, account information, bulletins, or other areas of the Platform or solicits passwords or personally identifying information for commercial or unlawful purposes from other Users of the Platform;
   

8. engages in commercial activities without Mahila Money’s prior written consent such as engaging in contests, sweepstakes, barter, advertising etc;
   

9. interferes with another User’s use of the Platform;
   

10. refers to any website or URL that, in Mahila Money’s sole discretion, contains material that is inappropriate for the Platform or any other website, contains content that would be prohibited or violates the letter or spirit of these Terms;
    

11. deceives or misleads the addressee/ Users about the origin of the messages or knowingly and intentionally communicates any information which is patently false or misleading or grossly offensive or menacing in nature but may reasonably be perceived as a fact;
    

12. contains software viruses or any other computer codes, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or contains any trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, diminish value of, covertly intercept or steal any system, data or personal information;
    

13. threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States, or public order, or causes incitement to the commission of any cognisable offence or prevents investigation of any offence or is insulting other nation;
    

14. is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person;
    

15. violates any law for the time being in force,
    

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. 

7. MODIFICATION AND AMENDMENT OF THE TERMS

1. Company reserves the right to make changes to the Platform, related policies and agreements, the Terms, Privacy Policy and the Cookie Policy at any time as it deems fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the Services and ancillary services, Company re-organization, market practice or customer requirements. Upon any change, Company will notify the updated Terms on the Platform. Your continued use of the Services and ancillary services constitutes acceptance of the changes and an agreement to be bound by Terms, as amended. If You do not agree to the changes, You may please discontinue Your use of the Services and ancillary Services. 
   

2. Company reserves the right to discontinue or suspend, temporarily or permanently, the Services including ancillary services, by giving a reasonable time- period notice, on a best effort basis, unless it is merely to change certain features or contents of the Services and/or Platform or maintain the security and integrity of the Services. You agree that Company will not be liable to You in any manner whatsoever for any modification or discontinuance of the Services.

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8. Loan Terms

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. 

9. Referral Program

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.

10. Proprietary Rights AND Platform Access

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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

11. PRIVACY 

1. You agree and accept our Privacy Policy, available at: Privacy Policy respectively which is applicable to anyone who has, is or will be accessing the Platform including the User. Accessing the Platform shall be construed as deemed acceptance of the Privacy Policy.

12. MISCELLANEOUS

1. Entire Agreement: The Terms constitute an entire, valid and binding agreement between You and Mahila Money and governs Your access and use of the Platform.
   

2. Advertisement: Mahila Money shall have the right to place advertisements and publicity materials of its choice, including and pertaining to parties other than itself, for commercial use through electronic means on the Platform. The same shall not be construed as Mahila Money’s endorsement for such product or service being advertised.
   

3. Binding Nature: The Terms shall be binding upon You (and your successors-in-interest) and Mahila Money (and its permitted assigns) Mahila Money.
   

4. Severability: If one or more of the provisions, clauses contained in these Terms is held invalid, illegal or unenforceable in any respect by any court of competent jurisdiction, such holding will not impair the validity, legality, or enforceability of the remaining provisions.
   

5. Waiver: The failure of either party to exercise any right provided for herein shall not be deemed a waiver of any further right hereunder.
   

6. Assignment: You may not assign or sub-license, without the prior written consent of Mahila Money, the rights, duties or obligations under the Terms, in whole or in part, to any person or entity. Mahila Money may assign or sub-license in whole or in part any of its rights, duties or obligations under the Terms to any of its affiliates.
   

7. Conflict: In the event there is any conflict between the terms set out in Terms, the Privacy Policy, and any other policies applicable to specific pages of the Platform, the following order of prevalence shall apply: (i) these Terms (ii) the Privacy Policy, (iii) any other policies applicable to specific pages of the Platform.
   

8. Governing Law: These Terms including the Privacy Policy or such other policies, changes or amendments that We may introduce from time to time, shall be governed by the laws of India.
   

9. Jurisdiction: You and Mahila Money agree that all claims, matters and disputes are subject to the exclusive jurisdiction of the competent courts in New Delhi only.
   
   

13. Mahila Money – Contest Terms and Conditions

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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.

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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.

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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.

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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.

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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.
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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.

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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.

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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”)

1. The MM Medic (“Plan”) is for existing users of Mahila Money platform, or any female  visitor of the website: https://www.mahila.money/  (“MM Website”) who is of any age. The existing user and the visitor shall be individually and collectively referred to as the “User” and “Users” respectively.
2. The Plan includes the following:

•  1 (one) gynaecologist visit; and 
• 25 (twenty five) no of following diagnostic tests provided at home only once as are provided in these Terms and these diagnostic  tests shall be collectively referred to as the “Diagnostic Tests”;
• 24*7 ambulance assistance; and 
• 24*7 assistance in locating the nearest police station.

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”.

3. The Plan does not cover any cost pertaining to prescribed medicines, follow up treatments or lab test other than the Diagnostic Tests.
4. Before purchasing the Plan, User is advised to assess the suitability of the same by perusing the Plan Inclusions as are provided above and whether the Plan Inclusions are available in the city or the pin-code of their preference.

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.

5. The User has to provide Mahila Money with certain information which includes the following:

• First Name
• *Middle Name
• Last Name
• Mobile No.
• Email ID
• Address Line 1
• Pin code
• City
• State
• Gender
• Insured DoB 

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.

6. The one-time fee to book the Plan is INR 94 (Indian Rupees Ninety Four only), which is inclusive of all applicable taxes (“Service Fee”) and the same is subject to revision without any notice.
7. The Service Fee is to be paid by the User on the MM Website. 
8. Upon successful payment of Service Fee on the MM Website, the payment confirmation  shall be provided by Mahila Money Private Limited (“Mahila Money”) to User. 
9. The User shall  shall receive a Plan certificate, on or before the next working day. Such Plan certificate shall be shared by Global Assure on the User email id, as has been provided by the User as a part of the Personal Information.
10. The Plan is cancellable and refundable, within 15 (fifteen) days from the date of purchase. For this, the User has to write an email on the email ID: customercare@mahila.money, with the subject “Refund for Mahila Money Health Assist certificate number XXXXXX”, wherein such email should necessarily contain the following details:

1. Name 
2. Mobile Number 
3. Date of Purchase

(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. 

11. The Plan Inclusions can be availed by booking the same for such time and date as is convenient to the User (“Redemption”) by contacting the Global Assure helpline number: 18003093964, which is operational 9 AM-6 PM  on all days. However, the Redemption cannot be later than 12 months from the date of the purchase of the Plan (“Expiry Date”). If as on the Expiry Date, the Plan has not been redeemed, User shall not be eligible to receive any refund whatsoever and neither the Expiry Date shall be extended. 
12. A User can choose to redeem the various services in the Plan Inclusions  on different dates and it is not necessary that the Redemption of all the Plan Inclusion, have to be on the same date.
13. Redemption of the 24*7 ambulance assistance 24*7 assistance in locating nearest police station can be done by contacting Global Assure helpline number: 18003093964, which is operational on all days.
14. Post the purchase of the Plan, if the gynaecologist visit has been booked, then the gynaecologist  visit cannot be rescheduled by the User and the Plan cannot be cancelled and no request for refund by the User shall be entertained by Mahila Money and/or Global Assure in this regard.
15. Global Assure shall endeavour to connect the User with the nearest ambulance as per the Personal Information or the current location shared by the User, but it makes no representation, assurance and provides no warranty about:

1. The tariff of the ambulance service;
2. Whether the ambulance is equipped with the relevant and functional equipment;
3. The suitability of the ambulance for the purpose for which it is being booked (including the size);
4. The timeline within which the ambulance shall be able to reach the location shared by the User;
5. Any allied and/or ancillary services that the User may require from the ambulance service provider and/or driver.

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.

16. This Plan can be purchased by a User, once only during the validity of this offer.
17. A User can buy this Plan for any other woman, who may not have access to the MM Website, however the Name, Phone Number and Date of Birth, email ID shall be distinct for such woman, for whom the Plan has been purchased.
18. User understands that the role of Mahila Money is limited to only the collection and processing of Personal Information and Service Fee for and behalf of Global Assure, to ensure convenience of Users. The gynaecologist(s) are not associated with or engaged by or on behalf of Mahila Money and Mahila Money has no control over the quality or the timeliness of  the provisioning of the Plan Inclusions. 
19. It is the responsibility of Global Assure to provide the service with respect to the Plan Inclusions and if a User has any doubts, queries, grievances, complaints, suggestions in this regard, it may communicate the same to Mahila Money by way of email on the email ID: customercare@mahila.money 
20. This Plan is not intended for emergencies or urgent care. The User must note that only a visit to the gynaecologist is available under this Plan and the same is only for a routine medical checkup.
21. All communication, information shared by and between the gynaecologist and the User is confidential and Mahila Money does not have access to the same.
22. The Company and/or Global Assure reserves the right to withdraw this Plan, cancel the purchased Plan or amend the Terms, at any time, without intimation or assigning any reason whatsoever, including  cancellation of Plan for any incident of suspected fraud or misuse. In case the Company and/or Global Assure decides to cancel the Plan already purchased by the User, the Service Fee shall be credited back to payment source within 15 days, from the date of such cancellation.
23. User is advised to seek second medical opinion, if in doubt about the correctness of the medical advice or if the medical advice does not bear desired results. 

Disclaimer: Mahila Money makes no representation, warranties and does not provide any assurance about the:

1. suitability and quality of gynaecologist consultation and the skill, competence and qualification and experience of the gynaecologist; and 
2. and the correctness of the medical advice tendered by the gynaecologist; and
3. The quality of and the accuracy of the Diagnostic Tests; 
4. The timeline within which the Plan Inclusions shall be provided to the User;
5. Availability of the ambulance and the suitability of the same, if availed through the 24*7 ambulance assistance.

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

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‍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

1. The Coupon Code available on Google Pay offers various discounts on sanctioning of loans through our Platform, which can be availed only by GPay users.
2. The GPay user can avail of the offer subject to the fulfilment of eligibility criteria mentioned in the exhaustive terms and conditions on the Platform.
3. The Coupon Code and associated GPay T&Cs shall apply only to new first-time users of the Platform.
4. GPay users shall be redirected from Google Pay to our Platform in order to redeem the Coupon Code. 
5. Please note that each loan application is subject to evaluation by Mahila Money and mere application of the Coupon Code does not guarantee that the loan will be sanctioned. 
6. Redemption of the Coupon Code shall be complete only when the GPay user’s loan has been sanctioned by Mahila Money.
7. These GPay Ts & Cs may be updated from time to time without prior notice. 
8. The Coupon Code can be availed of only once by each eligible GPay user. 

Registration and availing of the Coupon Code

1. Once the Coupon Code has been made available to you via Google Pay, please register yourself on the Platform and apply the Coupon Code when applying for a loan. 
2. If your loan application is successful (subject to Mahila Money processes and evaluation), the Coupon Code shall stand applied.

Current Offer

1. Currently the Coupon Code provides a discount of INR 500 (Indian Rupees Five Hundred only) on loan processing fee as of March 2022.
2. This offer is valid on loan size of INR 25,000 (Indian Rupees Twenty-Five Thousand) to INR 2,00,000 (Indian Rupees Two Lakhs).
3. This offer shall be valid for such time period as Mahila Money may in its discretion determine.

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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

1. The Coupon Code available on Google Pay offers various discounts on sanctioning of loans through our Platform, which can be availed only by GPay users.
2. The GPay user can avail the offer subject to the fulfilment of eligibility criteria mentioned in the exhaustive terms and conditions on the Platform.
3. The Coupon Code and associated GPay T&Cs shall apply only to new and  first-time users of the Platform.
4. GPay users shall be redirected from Google Pay to our Platform in order to redeem the Coupon Code. 
5. Please note that each loan application is subject to evaluation by Mahila Money and its lending partner(s) and mere application of the Coupon Code does not guarantee that the loan will be sanctioned. 
6. Redemption of the Coupon Code shall be complete only when the GPay user’s loan has been sanctioned by Mahila Money.
7. These GPay Ts & Cs may be updated from time to time without prior notice. 
8. The Coupon Code can be availed  only once by each eligible GPay user during the validity of this offer.

Registration and availing of the Coupon Code

1. Once the Coupon Code has been made available to you via Google Pay, please register yourself on the Platform and apply the Coupon Code when applying for a loan. 
2. If your loan application is successful (subject to Mahila Money’s processes and evaluation), the Coupon Code shall stand applied.

Current Offer

1. Under the current offer, a corporate woman can avail 0% interest on loan, on a loan size of INR 10,000 (Indian Rupees Ten Thousand) upto INR 2,00,000 (Indian Rupees Two Lakhs) with tenure upto 6 (six) months.
2. The offer is available only for a corporate woman who is a permanent employee, earning a monthly salary.
3. A woman serving the notice period or on probation in a company shall not be eligible to avail the current offer.
4. The offer is only available for corporate women having workplace in Bengaluru, Pune or Gurgaon.
5. A flat processing fee of INR 200 (Indian Rupees Two Hundred) shall only be applicable on the processing of the loan.
6. The Coupon Code shall be available from 00:00:00 hrs of 17th March, 2022 to 23:59:59 hrs of 20tht March, 2022 on Google Pay.
7. Once the GPay user gets an access to the Coupon Code in the above mentioned time period, the GPay user can avail the offer until 23:59:59 hrs of 30th March 2022.

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Mahila Money Prepaid Card - Terms and Conditions

Mahila Money Protect- Terms and Conditions

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These Terms and Conditions were last updated on 16th day of March, 2022.