Term and Conditions

Welcome to Moneygale

By accessing or using Moneygale.com (“Website” or “Service”), you agree to be bound by these Terms and Conditions. If you do not accept these terms in their entirety, you must refrain from using the Service. These Terms govern your relationship with Moneygale and outline your rights, obligations, and limitations while interacting with our platform.

Interpretation & Definitions

To ensure clarity, the terms below shall have the following meanings:

  • We, Us, or Our refers to Money Gale, its parent company, affiliates, employees, and authorized representatives operating under the laws of India.
  • You means any individual, business, or legal entity accessing or using the Service.
  • Service encompasses all content, tools, resources, newsletters, calculators, and interactive features available on Moneygale.com.
  • Device includes any computer, smartphone, tablet, or digital interface used to access the Service.
  • Affiliate denotes an entity that directly or indirectly controls, is controlled by, or shares common ownership (50% or more shares/voting rights) with Moneygale.
  • Third-Party Services refers to external websites, applications, or content linked to or integrated with the Service.
  • Country refers to India, with specific jurisdiction in Bhubaneswar, Odisha.

Acknowledgment of Terms

Binding Agreement: These Terms constitute a legally binding agreement between You and Moneygale. By accessing the Website, you confirm your acceptance of these Terms.

Age Restriction: The Service is strictly available to users aged 18 years or older. Minors are prohibited from creating accounts or engaging with the Service.

Privacy Policy: Your use of the Service is further governed by our Privacy Policy, which details how we collect, process, and protect your personal data.

Acceptable Use of the Service

You agree to use the Service lawfully and in accordance with these Terms:

Permitted Activities:

  • Access educational content for personal, non-commercial purposes.
  • Engage with interactive tools (e.g., budget calculators) to improve financial literacy.

Prohibited Actions:

  • Violate intellectual property rights by copying, redistributing, or modifying content without authorization.
  • Introduce malware, spam, or disruptive code to the Service.
  • Use automated tools (e.g., bots, scrapers) to extract data or compromise Website security.
  • Engage in fraudulent, defamatory, or unlawful activities.

Third-Party Links & Services

The Service may include links to external websites, advertisements, or partner platforms.

  • No Endorsement: Moneygale does not endorse, control, or guarantee the accuracy, safety, or legality of Third-Party Services.
  • User Responsibility: You acknowledge that We are not liable for:
    • Damages arising from your use of Third-Party Services.
    • Privacy practices or content hosted on external platforms.
    • Transactions or disputes with third-party vendors.
      Always review the terms and privacy policies of third-party platforms before engagement.

Termination of Access

We reserve the right to suspend or terminate your access to the Service without prior notice under the following circumstances:

  • Breach of these Terms.
  • Suspicion of fraudulent, abusive, or harmful activity.
  • Violation of applicable laws or regulations.
    Upon termination, your right to use the Service ceases immediately, and you must delete all downloaded materials obtained from the Website.

Limitation of Liability

To the maximum extent permitted by Indian law:

  • Exclusion of Indirect Damages: Moneygale shall not be liable for any indirect, incidental, or consequential damages (e.g., lost revenue, data breaches, reputational harm) arising from your use of the Service.
  • Liability Cap: Our total liability for any claim related to the Service is limited to $100 USD (or the equivalent in INR) if no payment was made, or the amount you paid Us for accessing premium features.

“AS IS” Service Disclaimer

The Service is provided “as is” and “as available” without warranties of any kind. We expressly disclaim:

  • Implied warranties of merchantability, fitness for a specific purpose, or non-infringement.
  • Guarantees that the Service will be uninterrupted, error-free, or free of viruses.
  • Responsibility for the accuracy, completeness, or reliability of Content.
  • Liability for losses caused by Third-Party Services or user-generated content.

Governing Law & Dispute Resolution

  • Jurisdiction: These Terms are governed by the laws of India, with exclusive jurisdiction in courts located in Bhubaneswar, Odisha.
  • Dispute Resolution:
    • Informal Negotiation: You agree to notify Us at contact@moneygale.com to resolve disputes amicably before pursuing legal action.
    • Legal Proceedings: Unresolved disputes may be escalated to courts in Bhubaneswar, Odisha.
  • Compliance:
    • EU Users: Retain rights under mandatory provisions of your local consumer laws.
    • For US Users: By accessing or using the Service, you confirm and agree that:
      You do not reside in or access the Service from any region subject to comprehensive trade embargoes or sanctions imposed by the United States government, including those designated as state sponsors of terrorism.

      You are not listed on the U.S. Department of the Treasury’s Specially Designated Nationals list, denied persons list, or other restricted party lists administered by U.S. authorities.

Severability & Amendments

  • Severability: If any clause in these Terms is deemed unenforceable, the remaining provisions remain valid.
  • Updates: We reserve the right to modify these Terms at any time. Material changes will be communicated via email or a Website notice 30 days prior to implementation. Continued use of the Service constitutes acceptance of revised Terms.

Contact Information

For questions, disputes, or clarifications regarding these Terms:

Email: contact@moneygale.com

Contact Us: https://moneygale.com/contact/