Terms & Conditions

1. Acceptance of terms

These Terms & Conditions (“Terms”) form a binding contract between you and Value Garage Private Limited, a company incorporated under the Companies Act, 2013, with its registered office in Delhi, India (“MaxiMoney”, “we”, “us”). By creating an account, subscribing, or using the Service in any way, you agree to be bound by these Terms and by our Privacy Policy.

2. Who can use MaxiMoney

• You must be a resident of India, aged 18 or above, and competent to enter into a contract under the Indian Contract Act, 1872.
• You must provide your real, current and accurate mobile number, name, PAN and other identifying details.
• You confirm that the PAN you submit belongs to you and that you have full authority to consent to a credit-bureau report on that PAN.

3. What we do (and don't)

MaxiMoney is an analysis and negotiation service. We:

• Fetch your credit bureau report (with your consent) and surface your loans, credit cards, score, repayment history and savings opportunities.
• Help you negotiate a lower interest rate or EMI with your existing lender by giving you a ready-made email, talking points, or — for higher subscription tiers — direct handholding by our team.
• Source competing balance-transfer offers from partner banks and NBFCs on your behalf.

We are not:

• A lender, NBFC, bank or RBI-licensed financial institution. We do not lend money.
• A SEBI-registered investment advisor or stockbroker. We do not provide investment, tax or insurance advice.
• A direct sales agent (DSA) of any specific bank or NBFC.
• A guarantee that any specific saving, rate reduction or offer will be obtained — banks make their own credit decisions.

4. Your account

• Your account is identified by your mobile number; sign-in is via one-time-password (OTP) on that number and (optionally) WhatsApp.
• Keep your phone secure. Anyone with access to your SIM card or unlocked phone may be able to sign in.
• One account per natural person. Multiple accounts may be merged or suspended.
• You may delete your account from the in-app Profile → Delete Account flow, or by emailing nevaid@maximoney.in.

5. Subscription, billing & cancellation

5.1 Plan

MaxiMoney is offered as a recurring monthly subscription. The current price is displayed on the in-app paywall before you subscribe and again on every renewal receipt. As of the date of these Terms, the price is ₹99 per month, but we may change pricing for new subscribers from time to time.

5.2 Auto-debit via UPI Autopay

By subscribing you authorise Value Garage Private Limited (via Razorpay) to debit the displayed amount from your registered UPI handle every month until you cancel. Razorpay processes all charges; we do not store your bank credentials or UPI PIN.

5.3 Existing-customer price protection

If you are already an active subscriber when we change the monthly price, your subscription continues at the price snapshot we took at the time you signed up. New pricing applies only to new sign-ups (and to your account if you cancel and re-subscribe).

5.4 Cancellation

You may cancel anytime from the in-app Manage Subscription screen, or by emailing finance@maximoney.in. Cancellation takes effect at the end of your current billing cycle: you keep access (and the service) until that date, after which we will not charge you again. See our Refund Policy for full details on cancellations and the (very limited) circumstances in which we issue a refund.

5.5 Failed payments

If a renewal payment fails (insufficient balance, mandate revoked, bank error), we will retry up to 3 times over 7 days. If all retries fail, your subscription will be marked inactive and you will lose access to subscriber-only features until you re-subscribe.

6. Your obligations

• Provide accurate information and update it if it changes (especially mobile number, email, PAN).
• Respect any rate, offer, or negotiation-template we share with you — do not abuse partner banks, lenders or our team.
• Use the Service only for your own personal financial decisions; do not resell, broker, or operate the Service on behalf of third parties.
• Do not attempt to fetch a bureau report on a PAN that does not belong to you.

7. Prohibited use

You may not:

• Use the Service for any unlawful, fraudulent or abusive purpose.
• Reverse-engineer, decompile, scrape, or attempt to extract the source code of any part of the Service.
• Interfere with our servers, attempt to overload them, probe for vulnerabilities, or bypass authentication.
• Misrepresent your identity or impersonate another person.
• Submit false or misleading information to credit bureaus, banks, NBFCs, or any government authority through us.

8. Intellectual property

All text, graphics, logos, code, design, and content on the Service are the intellectual property of Value Garage Private Limited or our licensors and are protected by copyright, trademark and other laws. You receive a personal, non-transferable, non-exclusive licence to access and use the Service for your own personal purposes; you do not receive any other rights.

9. Disclaimers

• Savings ranges displayed (e.g. “save ₹3,500 – ₹15,000 per month”) are estimates based on typical scenarios. Your actual savings may be higher, lower, or zero.
• Credit-bureau data is fetched from Experian via Gridlines. We are not responsible for errors, omissions or stale information in your bureau report — raise such issues directly with the bureau (process documented at experian.in).
• Third-party logos (HDFC, ICICI, SBI, Axis, Kotak, etc.) are the property of their respective owners and appear on our site only to indicate the lender panel we work with — their use does not imply endorsement or affiliation.

10. Limitation of liability

To the maximum extent permitted by law:

• We are not liable for any indirect, incidental, special, consequential or punitive damages, including loss of profit, loss of opportunity, or reputational harm.
• Our total aggregate liability to you under or in connection with these Terms shall not exceed the total subscription fees you have paid to us in the 12 months immediately preceding the event giving rise to the claim.
• Nothing in these Terms limits our liability for gross negligence, wilful misconduct, fraud, or anything that cannot be limited by law.

11. Indemnity

You agree to indemnify and hold harmless Value Garage Private Limited, its directors, officers, employees and partners from any claim, loss, liability or expense (including reasonable legal fees) arising out of (a) your breach of these Terms, (b) your misuse of the Service, or (c) information you provide that is false or infringes a third party's rights.

12. Termination

We may suspend or terminate your access if we believe you have breached these Terms, are misusing the Service, or if continuing the Service would expose us to legal risk. Where reasonably possible we will give notice and an opportunity to cure. Termination ends your right to use the Service but does not affect rights and obligations that, by their nature, survive (e.g. payment obligations, indemnity, IP, governing law).

13. Governing law & jurisdiction

These Terms are governed by the laws of the Republic of India. The courts at New Delhi shall have exclusive jurisdiction over any dispute, except that we may seek injunctive or equitable relief in any court of competent jurisdiction to protect our intellectual-property rights or security.

Before approaching a court, you agree to first raise the dispute with our Grievance Officer (see Grievance Redressal) and to attempt in good faith to resolve it.

14. Changes to these terms

We may amend these Terms from time to time. When we do, we will revise the “Last updated” date and, where the change materially affects you, notify you in-app or by email. Continuing to use the Service after a change means you accept the revised Terms. If you do not agree, your remedy is to stop using the Service and cancel your subscription.

15. Contact

For questions about these Terms or your account, email nevaid@maximoney.in. For billing, refunds or subscription issues, email finance@maximoney.in. For complaints, see Grievance Redressal.

Registered office — Value Garage Private Limited, Delhi, India.