Terms & Conditions

Welcome to www.earnwealth.in ("Website") owned and operated by EarnWealth Solutions Private Limited (CIN U74900PN2014PTC152269),herein after reffered and addressed as EarnWealth, a company incorporated under the provisions of the Companies Act, 2013 and having its registered office at Office No – 409, 4th Floor, C-Wing, KPCT Mall, Wanowari, Pune, Maharashtra 411040

This document/agreement/understanding is an electronic record in terms of Information Technology Act, 2000 and is generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries Guidelines) Rules, 2011.

Before you may use the Website, you must read all of the terms and conditions ("Terms") herein and the Privacy Policy provided on the Website. By using EarnWealth's products, software, services and Website ("Services"), you understand and agree that EarnWealth will treat your use of the Services as acceptance of these terms from such point of usage. You may not use the Services if you do not accept the Terms. If you do not agree to be bound by these Terms and the Privacy Policy, you may not use the Website in any way. It is strongly recommended for you to return to this page periodically to review the most current version of the Terms. EarnWealth reserves the right at any time, at its sole discretion, to change or otherwise modify the Terms without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified Terms. If you object to these Terms or any subsequent modifications to these Terms or become dissatisfied with the Website in any way, your only recourse is to immediately terminate use of the Website.

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

    EarnWealth grants you a limited license to access and make personal use of the Website and it's 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. You do not have the right to use any of EarnWealth'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 Services.

  3. Usage of the Website
  4. The Website is intended for personal and non-commercial use. Only register to become a member of the Website, if you are above the age of 18 and can enter into binding contracts. You are solely responsible for maintaining the secrecy of your passwords, login and account information. You will be solely responsible for use of the Website by you and anyone using your password and login information (with or without your permission).

    You also agree to provide true, accurate, current and complete information about yourself as prompted by the Website. If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or EarnWealth has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, EarnWealth has the right to suspend or terminate your account and refuse any and all current or future use of the Website (or any portion thereof) or Services in connection thereto.

    By making use of the Website, and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the Services that you have selected. You hereby agree that EarnWealth may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application. You specifically understand and agree that by using the Website you authorize EarnWealth and its affiliates and partners to contact you for any follow up calls in relation to the Services provided through the Website. You expressly waive the Do Not Call registrations on your phone/mobile numbers for contacting you for this purpose. You also agree that EarnWealth reserves the right to make your details available to partners and you may be contacted by the partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from EarnWealth through emails, sms or whatsapp and other mediums of communication available.

    The usage of the Website may also require you to provide consent for keying in your Sensitive Information ("SI") (including but not limited to user ids and passwords), as may be necessary to process your application through this Website. SI keyed in shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted / availed by you. EarnWealth shall adhere to best industry practices including information security, data protection and privacy law while processing such applications and the SI interface where key in of SI is required shall not be stored. However, EarnWealth shall not be liable to you against any liability or claims which may arise out of such transactions.

    You may only use the Website to search for and to apply for loans, mutual funds, credit cards or other financial products as may be displayed on the Website from time to time and you shall not use the Website to make any fraudulent applications. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. Since the Website is in operation in India, while using the Website, you shall agree to comply with laws that apply to India and your own country (in case of you being a foreign national). We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Website.

    You are prohibited from posting or transmitting to or through this Website: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Website.

  6. To generate credit reports for their customers, Speed Finance may charge the prescribed fees. These Fees are non-refundable & terms and conditions must be properly read & understood by the customer before making any payment. By making the payment, the customer agrees to avail services rendered by Speed Finance. These services are Speed Finance Premier, Speed Finance Special, Credit Consultation Fees, Score Sudharo & any other services introduced by Speed Finance from time to time.

  7. Privacy policy
  8. By using the Website, you hereby consent to the use of your information as we have outlined in our Privacy Policy.

  9. Our partners
  10. Display of loan, mutual funds, credit card or other financial products, offered by third parties, on the Website does not in any way imply, suggest, or constitute any sponsorship, recommendation, opinion, advice or approval of EarnWealth against such third parties or their products. You agree that EarnWealth is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction with any third party accessed through the Website is at your own risk, and EarnWealth 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.

    You agree and acknowledge that the credit shall be at the sole discretion of EarnWealth's financial partners (lenders, credit card companies, mutual fund companies) while making any application through the Website for a financial product offered by such financial partners; EarnWealth shall not be held liable for any delay, rejection or approval of any application made through its Website, and no claims, compensation in this regards will be entertained.

  11. Mahalakshmi partners

  12. 5.1) Product Misselling: All the lending partners of EarnWealth have their own credit policies and parameters for offering loans to their customers. EarnWealth Mahalakshmi must offer the product as per the policies of EarnWealth & it’s Lending partners. This applies to all the products that are on the product suite of EarnWealth. Legitimate selling within the framework of organization is most important requisite for EarnWealth Mahalakshmi.

    5.2) No Advance:EarnWealth Mahalakshmi are not supposed to collect any advance, in any form of instrument from the customers. Disbursements, cross products etc are to be pitched and closed for the customers with proper usage of the prescribed script by EarnWealth.

    5.3) No Cash Payments: EarnWealth Mahalakshmi are not supposed to collect cash payments from the customers. Collection / Deduction of Processing fees & any other administrative charges are at the sole discretion of EarnWealth and it‘s Lending partners.

    5.4) No money transfers to personal bank accounts: EarnWealth Mahalakshmi are not supposed to demand any kind of monetary transactions, in any form of instruments like Cheque, Transfer to UPI accounts, Bank Accounts etc from the customers to their names or accounts belonging to them or their friends/family. Deduction of Processing fees & any other administrative charges are at the sole discretion of EarnWealth and it’s Lending partners.

  13. Disclaimer of warranty
  14. The Website and all content and Services provided on the Website are provided on an "as is" and "as available" basis. EarnWealth 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. EarnWealth makes no warranty, and expressly disclaims any obligation, that: (a) the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (b) The Website will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Website or any Services offered through the Website will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the Website will meet your expectations.

  15. Limitation of liability
  16. EarnWealth (including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) 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 Website), or (ii) any use of the Website 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 such parties or any other party, or (b) any damages to or viruses that may infect your computer equipment or other property as the result of your access to the Website or your downloading of any content from the Website.

    The Website may provide links to other third party websites. However, since EarnWealth has no control over such third party websites, you acknowledge and agree that EarnWealth 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 websites. You further acknowledge and agree that EarnWealth shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party websites.

  17. Terms & Conditions
  18. i) I/We hereby declare that I We have understood and accept the terms and conditions of EarnWealth. I We undertake and acknowledge that: I. For the purpose of assessing my/our credit worthiness, EarnWealth/its suppliers/its Partners is/are authorized to pull our credit information from CIBIL and/or any other agency authorized by RBI, data of the applicant(s), directors, group companies, and any other individuals who are involved in the said business, on behalf of which this loan application is made. (II). CIBIL and any other agency so authorized may use, process the said information and data disclosed by EarnWealth Group in the manner as deemed fit by them; and (III) CIBIL, and any other agency so authorized may furnish for consideration, the processed information and data or products thereof prepared by them, to banks/financial institutions and other credit grantors or registered users, as may be specified by the RBI in this behalf.

    ii) By using the www.earnwealth.in and/or registering yourself at www.earnwealth.in you authorize EarnWealth Solutions Private Limited (including it`s representatives, affiliates, and its business partners) to contact you via email or phone call or sms and offer you our services for the product you have opted for, imparting product knowledge, offer promotional offers running on EarnWealth.in and offers by its business partners and associated third parties, for which reasons your information may be collected in the manner as detailed under this Policy. You hereby agree that you authorize EarnWealth.in to contact you for the above mentioned purposes even if you have registered yourself under DND or DNC or NCPR service(s). Your authorization, in this regard, shall be valid as long as your account is not deactivated by either you or us.

  19. Indemnity
  20. You agree to indemnify and hold EarnWealth (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 this Terms, your violation of any law or the rights of a third party, or your use of the Website.

  21. Payments & Subscription Fees
  22. Payments and Subscription fees includes any kind of membership, enrolment, subscription, referral whatever called fees charged by any person in the name of EarnWealth. It is advised not to make any cash payment to any Person, Partner, Representatives or anybody in the name of EarnWealth. Any such payment made will not be considered and EarnWealth will not be responsible for any commitments made towards it. No claim or refund will be entertained for any such payments made. Anybody making such payments will be doing at his/her own risk.

  23. Additional terms
  24. You may not assign or otherwise transfer your rights or obligations under these Terms. EarnWealth may assign its rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to you. If we fail to act on your breach or anyone else's breach on any occasion, we are not waiving our right to act with respect to future or similar breaches. Other terms and conditions may apply to loans, mutual funds, credit cards or other financial products that you may apply on the Website. You will observe these other terms and conditions. The laws of India, without regard to its conflict of laws rules, will govern these Terms, as well as your and our observance of the same. If you take any legal action relating to your use of the Website or these Terms, you agree to file such action only in the courts located in Pune, India. In any such action that we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees. You acknowledge that you have read and have understood these Terms, and that these Terms have the same force and effect as a signed agreement.