Disclaimer Policy - Hypto Money

At Hypto Money, transparency is fundamental to our relationship with users. This Disclaimer Policy outlines the limitations of liability, nature of services, and important legal notices regarding your use of the Hypto Money mobile application, website, and related services.

1. Nature of Services

Hypto Money is a technology platform and financial services facilitator. We do not offer direct financial products or advisory services. All products—loans, FDs, insurance, digital gold, mutual funds, etc.—are provided by licensed and regulated third-party partners such as:

RBI-regulated banks and NBFCs
SEBI-registered investment entities
IRDAI-licensed insurance providers
NPCI-compliant APIs for AEPS & UPI

Note: All financial decisions made on the app are at the user's discretion. We recommend consulting a certified financial advisor before investing or borrowing.

2. No Financial Advice

Hypto Money does not provide personalized financial, tax, legal, or investment advice. Any tools or calculators provided are for informational purposes only.

Users are solely responsible for evaluating product suitability based on their financial condition and risk profile.

3. Third-Party Services

We partner with external service providers to enable our offerings. While we aim to ensure reliability, Hypto Money is not responsible for delays, errors, or failures caused by these third-party platforms.

Examples include:

Payment gateway issues (e.g., Razorpay, PayU Money)
Loan application decisions by NBFCs
Delays in investment fund execution or redemptions

Disclaimer: Any grievance related to a third-party product should be addressed to the respective service provider.

4. Limitation of Liability

To the fullest extent permitted by law, Hypto Money shall not be liable for any:

Losses due to failed, delayed, or erroneous transactions
Unauthorized use of your account due to password or OTP compromise
Investment losses due to market fluctuations
Technical issues beyond our control (e.g., network downtime, server errors)
Actions or decisions made by users based on app content

Maximum liability, if any, is limited to the service fees (if paid) by the user for using any premium Hypto feature.

5. Risk Disclosure

All financial products involve inherent risks, including:

Market risk (in mutual funds, SIPs, NPS, digital gold)
Default risk (in loans and fixed deposits)
Liquidity risk (in early withdrawals or redemptions)

Hypto Money makes no guarantee of returns, approval, or future performance.

6. App Content & Information

We strive to provide accurate and up-to-date content, but we do not guarantee the accuracy, completeness, or timeliness of any data, rates, or offers shown in the app or on our website.

Offers may be subject to change without notice
Rates shown for FDs, loans, gold, etc., are indicative only

7. User Responsibility

Users must ensure:

Accurate information submission
Confidential handling of OTPs, passwords, and account data
Legal and lawful use of the app per Indian regulations

Any misuse or violation may result in suspension or permanent deactivation of the user's account.

8. Governing Law

This Disclaimer shall be governed by the laws of India, and any legal disputes shall fall under the jurisdiction of courts located in Kolkata, West Bengal.

9. Contact Information

If you have any questions regarding this Disclaimer Policy, please reach out to us at:

📧 Email: support@hyptobuzz.com

🌐 Website: www.hyptobuzz.com

🏢 Address: No.61/12, Behala, Kolkata 700061, West Bengal, India