General Terms of Use

Last updated on 27th February 2026

Welcome to Dream Money. This mobile application or website (“Platform”) is operated by Dream Suite Platforms Private (hereinafter referred to as “Company”, “We”, “Us”, “Our”).

These Terms of Service (“Terms”) constitute an electronic record as per the Information Technology Act, 2000 (“IT Act”) and rules as applicable, and the amended provisions pertaining to electronic records in various statutes, as amended by the IT Act. This electronic record is generated by a computer system and does not require any physical or digital signatures.

These Terms provide for the terms and conditions by which We offer You access to use Our Platform and other Services. By visiting Our Platform, and/or using Our Services, You agree to be bound by these Terms, including those additional terms and conditions and policies referenced herein. The Company urges You to read and understand these Terms carefully for the details on the way We will provide Services.

These Terms apply to any person who accesses or uses the Platform or Service for any purpose (hereinafter referred to as “User, “You”, “Your”). Indiamart You may use the Platform and/ or Services solely for your personal purposes. You shall remain fully responsible for all transactions placed / requested through the Platform.

Eligibility

Users of the Platform or Services are the natural persons that have full capacity to avail the Services and/ or access the Platform and are able to assume legal responsibilities independently. If You do not have the capacity to enter into these Terms, please refrain from entering into the same, and in such case, any liability arising out of these Terms will be borne by You or Your guardian (where applicable), as the case may be.
You hereby represent and warrant that You are eighteen (18) years of age or above and are fully able and competent to understand and agree to the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms.
If You are a Non-Resident Indian, You declare to Company that You are a non-resident of Indian nationality/ origin and that You have remitted funds from abroad through approved banking channels or from your Non-Resident External/ Non-Resident Ordinary/ FCNR Account only. You also undertake to Company that all details provided by You in this regard are true, correct and shall remain updated at all times.
You agree to abide by these Terms and any other rules and regulations imposed by the applicable law from time to time.

User Registration

In order to use most aspects of the Services, You must register for and maintain a User account (“Account”).
You can create an Account on the Platform by providing your mobile number (through OTP verification). Once an Account is created (“Registration”) You become a registered User.
Once the Registration process is completed, at the sole discretion of the Company, an Account will be created which will be linked to the mobile number provided by You during the Registration process. You shall use the same mobile number used at the time of the Registration process to log in to their Account. You hereby agree that OTP verification shall be required to initiate every subsequent log in to the Account. The Company can deny membership to any User, and refuse to create an Account, with or without attributing any specific reason to the same.
For availing the Services, You shall be required to share certain financial information, including Your billing address, bank account details, and/or other payment related details or other payment method data, and debit instructions or other standing instructions to process payments for the Platform Services. The Company, Third Party Distributors, or AMCs may ask You to provide certain additional information about Yourself on a case-to-case basis. Any information shared by You with the Company is hereinafter referred to as “User Information”.
The User Information and any other personal information that You share with the Company will be governed by the Company’s Privacy Policy located at https://dream.money/privacypolicy.html("Privacy Policy”). User Information shared on the Platform and the documents, and representations furnished must be accurate, current, and complete, and should be kept up-to-date. If there is any change in the User information, You shall promptly update Your User information by writing to Us at support@dream.money , where applicable, to Third Party Distributors and AMCs.
User IDs, passwords (if any), and other access credentials of an Account for the access to the Platform and/or Service should be kept strictly confidential and not shared with any unauthorized person.
By registering with the Platform, You consent to receive emails, phone calls, whatsapp messages or SMS texts from Us regarding Your use of Services, transaction, or any activity on the Platform, or otherwise in relation to the Services provided by Company, including seasonal offer details and new product launches.

Use of the Platform and/or Services

Subject to the obligations and restrictions under these Terms, You may use the Platform and the Services in the following manner:

For Registration to become registered Users;
To access the details of the Services;
To avail the Services;
To make payments for Services.

In connection with Your use of the Platform and/or Service, You will not share on or through the Platform, or while using the Services or while raising grievance through the email or ticket raising function or chat function of Platform (“Communication Function”), content that:

is threatening, abusive, harassing, stalking, or defamatory;
contains deceptive, fraudulent, false or misleading information related to any financial product or make fraudulent offers of items or involve the sale or attempted sale of financial products whose sales and/or marketing is prohibited by applicable law, or otherwise promote other illegal activities;
is intended to deceive or mislead the addressee about the origin of such messages or knowingly and intentionally is used to communicate any information which (i) is patently false or grossly offensive or menacing/misleading in nature but may reasonably be perceived as a fact; or (ii) harass a person, entity or agency for financial gain or to cause any injury to any person;
violates any applicable law, statute, ordinance or regulations (including without limitation those governing financial products or services regulated by financial regulators, export control, consumer protection, unfair competition, anti-discrimination or false advertising);
is invasive of another’s privacy or otherwise violates another’s legal rights (such as rights of privacy and publicity);
contains vulgar, obscene, indecent or unlawful material;
threaten the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation;
has politically religious agendas and/or any known associations with hate, criminal and/or terrorist activities;
contains hate speech, whether directed at an individual or a group, and whether based upon the race, disability, sex, creed, national origin, religious affiliation, marital status, sexual orientation, gender identity, or language of such individual or group;
infringes a third party’s intellectual property right(s), including copyright, trademark, privacy, publicity or other personal or proprietary right, unless the User have all necessary rights and consents to do so;
uploads files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another person’s computer;
downloads any file that the User knows, or reasonably should know, cannot be legally distributed in that way;
falsifies or deletes any author attributions, legal or proprietary designations, labels of the origin or source of software, or other material contained in a file that is uploaded;
restricts or inhibits another User from using and enjoying the Platform of Services;
harvests or otherwise collects information about others, including e-mail addresses, without their consent;
solicit business from any User(s) or third party, in connection with a commercial activity that competes with the Company;
violates the usage standards or rules of an entity affected by the User’s use, including without limitation any Internet Service Provider (ISP), Email Service Provider (ESP), or user group (and including by way of example and not limitation circumventing or exceeding equipment use rights and restrictions and/or location and path identification detail).

In connection with Your use of the Platform and/or Service, You will not:

use the Platform and/or Services in any manner that could damage, disable, overburden, or impair the Platform and/or Services;
attempt to gain unauthorized access to the Platform and/or Services;
use the Platform and/or Services to store or transmit malicious code;
create derivative works based on the Platform and/or Services unless the User have been explicitly authorized by Us;
willfully tamper with the security of the Platform and/or Service or tamper with the Company’s customer accounts;
access data on the Platform and/or Service not intended for You;
reverse engineer the Platform and/or Services or access the Services in order to: (i) build a competitive product or service, or (ii) copy any features, functions or graphics of the Platform and/or Services;
use the Services for any purpose or in any manner that is unlawful under applicable laws or prohibited under these Terms.
use any false e-mail address, impersonate any person or entity, or otherwise mislead Us by sharing multiple addresses and phone numbers or transacting with mala fide intentions.
use any "deep-link", "page-scrape", "robot", "spider" or other automatic devices, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Platform, or in any way reproduce or circumvent the navigational structure or presentation of the Platform, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Platform. We reserve Our right to bar any such activity.
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 means.

You shall at all times ensure full compliance with the provisions of applicable law including but not limited to the IT Act.

Services

The Platform offers a technology platform that enables You to (a) view Your financial information; (b) get access to various financial products offered by third parties and facilitate transactions between You and the distributors of such financial products; (c) carry out transactions in units of different mutual fund schemes (“Transaction(s)”) of Asset Management Companies (“AMCs”) (“Mutual Fund Distribution Services”); (d) avail loans and other related services (“Lending Services”) offered by partner banks and institutions/NBFCs (“Lending Partners”); or (e) any other services extended by the Platform from time to time (“Services”).
The Company allows third party partners to list their products/ services on its Platform to enable You to avail such services (“Third Party Distributors”). In this regard the Company has partnered with the following financial products providers:

Augmont Goldtech Private Limited(“Augmont”), a seller on Platform of digital gold including through systematic investment plans in gold (“SIP”). Their privacy policy and terms and conditions are available at https://www.augmont.com/terms-conditions, https://www.augmont.com/privacy-policy
Upswing Financial Technologies Private Limited, a seller on Platform of fixed deposits and other financial products. You can visit them at https://www.upswing.one/ .
Lending Partners for Lending Services on the Platform, wherein the Company acts as a lending service provider facilitating such offerings in accordance with applicable laws and guidelines of Reserve Bank of India (RBI).

Matching Mechanism

The lending offers displayed to You on the Platform are generated based on the eligibility framework established by the respective Lending Partners. The Platform validates whether You meet the eligibility criteria set by each Lending Partner before displaying any lending options to You.
In order to generate such offers, the Platform assesses Your profile information provided through the Platform, along with Your past credit history and other relevant data as may be required by the Lending Partners.
The soft offer screen on the Platform displays only those lending offers where You have successfully met the specific eligibility parameters established by the respective Lending Partner.
In the interest of full transparency and to provide You with complete information, the Platform may also display a list of Lending Partners that were unable to extend a lending offer to You based on Your current profile and credit history as assessed against their eligibility criteria.

You understand that the Company is merely acting as a facilitator, which refers Users who are interested in the financial products/ services of Third Party Distributors to such Third Party Distributors. The Company or any of its affiliates, does not distribute any financial product on their own accord. Any purchase or sale of financial products by You from such Third Party Distributors is a bilateral transaction between You and the Third Party Distributor. The Company will not be liable for any deficiency in products or services by Third Party Distributors. The products/ services offered and provided by such Third Party Distributors shall be subjected to their own policies and these Terms shall not apply to the services provided to You by such Third Party Distributors.
The Company does not offer any kind of investment advisory services. You hereby agree and acknowledge that the informational data related to the products provided on the Platform by the Company does not constitute advice by the Company of any nature whatsoever. The Company is not an investment advisor and does not provide investment related advice to the Users. However, the Company may through the Platform connect You to certain third-party investment advisors (“Third Party IAs”) to enable You to avail their services and in this regard the Company has partnered with the following SEBI registered investment advisors:

Sigfyn Investment Advisors Private Limited, a SEBI registered investment advisor holding registration number INA000017833. Their privacy policy and terms and conditions are available at www.sigfyn.com/privacy-policy and www.sigfyn.com/terms-and-conditions

The investment advisory services provided by such Third Party IAs shall be subjected to their own policies and these Terms shall not apply to the services provided to You by such Third Party IAs. In providing their services, the Third Party IAs may pass on Your personal information to procure Your financial information from their account aggregators which include the following:

Onemoney, an account aggregator holding RBI license. You can visit them at https://www.onemoney.in/.
Finvu, an account aggregator holding RBI license. Their privacy policy and terms of use is available at Finvu and Finvu respectively.

The Company is neither the account aggregator nor does it in any way directly deal with, or receive any information from the account aggregators. In providing their services, such Third Party IAs may display such financial details on Our Platform to provide You their services. However, the Third Party IAs have sole control on such data and such data is not accessible or visible to Us. All the investments made in Your Account on the Platform will merely be at Your discretion and should not be made relying upon the investment advice of such Third Party IAs and You shall be solely responsible for any investment decisions and for the purchase of any products on the Platform. In no event shall the Company and/or any of its affiliates, group, associate and/or subsidiary companies be held liable by You for any loss or damage that may cause or arise from or in relation to these Terms and/or due to use of this Platform or due to investments made using this Platform.

The Company holds a registration with the Association of Mutual Funds of India (“AMFI”) under ARN No. 341249 and is authorized to act as a distributor of mutual funds and offers Mutual Fund Distribution Services. In this regard, please note the following;

The Company acts solely in the capacity of a registered mutual fund distributor and is not an AMC, portfolio manager or fund manager. The Company does not manage investor funds, does not pool investments, and does not provide any assured returns or performance guarantees. All investments are made directly by investors into MF Schemes (as defined below) in their own name through authorized channels. The Company does not hold, receive, handle, transfer, or retain investor funds at any stage and is merely providing a platform to its Users to facilitate the Transaction of investment in mutual funds. If You buy a regular mutual fund on the Platform, Company receives commissions from AMCs, details of which have been provided on the Platform. Company covenants that as a AMFI registered distributor it strictly adheres to and complies with the Code of Conduct for Distributors and in compliance with the Code of Conduct and SEBI Circular bearing No. SEBI/IMD/CIR/No. 4/168230/09 dated June 30, 2009, discloses to You and all other investors availing the Mutual Fund Distribution Services, that it receives commissions from the AMCs it partners with.
You agree and understand that the Mutual Fund Distribution Services provided herein are presently available only in respect of limited mutual fund schemes (“MF Schemes”) managed by AMCs with which Company has entered into specific legally binding arrangements. Company does not, and is not obliged to, offer all mutual fund schemes for investment or as the case may be. By limiting the number of schemes on the Platform, the Company does not make any representation as to the quality, bona fides or nature of any AMC or mutual fund scheme, or any other representation, warranty or guaranty, express or implied in respect of such mutual fund schemes.
You hereby agree and acknowledge that the data and information provided on the Platform does not constitute advice by Company of any nature whatsoever, and all the investments made in Your account will be merely at Your discretion and shall not be relied upon by You while making investment decisions in mutual funds and You shall be solely responsible for any investment decisions and for the purchase of any mutual funds and investments on the Platform. In no event shall the Company and/or any of its affiliates, group, associate and subsidiary companies be held liable by You for any loss or damage that may cause or arise from or in relation to these Terms and/or due to use of this Platform or due to investments made using this Platform.
Currently the Platform offers ICICI Liquid Fund Regular - Growth mutual fund. All the Scheme Documents (as defined below) are available here.
Transaction processing and execution when using Mutual Fund Distribution Services shall be processed in accordance with the timelines and conditions specified in the relevant Scheme Information Document (“SID”) and related offer documents issued by the concerned AMC, including the Statement of Additional Information (“SAI”) and Key Information Memorandum (“KIM”) (collectively, the “Scheme Documents”). You are advised to refer to the applicable Scheme Documents for details of Your investments including NAV applicability, processing dates, and scheme-specific risks. The Company may, at its sole discretion, refuse to transmit any Transaction data to the AMC or its authorized agents if such data is incomplete, inconsistent, or not submitted in the prescribed form. The Company is under no obligation to determine the authenticity of any Transaction purportedly made by You and shall not be held liable for acting in good faith on any such instruction.
You acknowledge that before proceeding with any Transaction, You have read and understood the applicable SID, including the disclosures relating to general and MF Scheme-specific risks such as;

returns being subject to market risk including loss of capital on account of market volatility, force majeure events, changes in political and economic environment, default by issuers of securities to mutual funds, bankruptcy or insolvency of issuers and potential segregation of portfolio by AMC in such circumstances;
suspension of redemption facility in case the scheme faces liquidity crisis;
risks associated with subscription to new fund offering of the scheme such as price volatility risk, liquidity risk and delisting risk;
winding up of schemes on account of illiquid instruments, higher volume of redemption requests from the investors or on account of unforeseen market events.

Your Obligations

You acknowledge that the Company shall rely on the information and documents provided by You for the purpose of processing Transactions and for compliance with Know Your Customer (“KYC”), Anti-Money Laundering (“AML”), and other applicable legal and regulatory obligations in respect of all financial products and services offered through the Platform, including but not limited to regulatory compliances mandated by SEBI and AMFI for mutual funds and any other investment or financial instruments made available by the Company in its capacity as a Mutual Fund Distributor or otherwise. The Company shall not be liable for any losses, delays, or rejection of Transaction requests arising out of or in connection with incomplete, inaccurate, or outdated information submitted by You.
You shall ensure that all funds used for investment through the Platform are derived from lawful sources and are remitted from a bank account held in Your own name (or in the case of joint accounts, from an account in which You are a holder). You further represent that such funds are not designed or intended to contravene any applicable law, rule, regulation, circular, or order issued by any regulatory or governmental authority.
You agree to cooperate fully with the Company, Third Party Distributors, AMCs and any regulatory or statutory authority by providing any information, documents, or clarifications reasonably requested from time to time to ensure continued compliance with applicable laws.
You shall not use the Platform or Services for any illegal, unauthorized, or fraudulent purpose, and You shall be solely responsible for all acts, omissions, and transactions carried out under Your registered account on the Platform.
You further covenant that all documents submitted to Company by You for KYC compliance as well as in response to requests made by the AMCs will be true and authenticate copies of the original and will not be tampered, fake or doctored. In this regard, You undertake to be fully liable for such misconduct and indemnify Company against all losses caused due to a claim made by an AMC or a regulatory authority against Company.
You also covenant and confirm to Company that you have not received nor have been induced by any rebate or gifts, directly or indirectly by Us to make any investments in the MF Schemes.
You acknowledge that You are the beneficial owner of the Services and information provided by You towards tax information sharing laws, such as FATCA is in compliance with the applicable laws. Should there be any change in information provided, please ensure you advise us promptly, i.e., within 30 days. Company reserves the right to reject applications/restrict further investments or seek additional information if You have not provided the requisite information or the status of information provided by You may have changed. The information regarding your tax compliance might be shared with relevant tax authorities on demand. Towards compliance with such laws, Company may also be required to provide information to any institutions for the purpose of ensuring appropriate withholding from the account or any proceeds in relation thereto, as may be required by domestic or overseas regulators/tax authorities.
You understand and acknowledge that the Company may verify the accuracy and completeness of the information provided by You and may share such information with AMCs, or other regulatory and statutory authorities as required under applicable law. You agree to promptly cooperate with the Company, AMCs, and any relevant authority in providing any information or documents requested from time to time for compliance purposes. Failure to provide such information in a timely manner may result in suspension or discontinuation of the Mutual Fund Distribution Services.

Service Fees and Payment

Except for Mutual Fund Distribution Services where the Company earns commission, the details of which are clearly disclosed and displayed on the Platform, all other Services are available free of charge. However, We reserve the right to charge fees at any point in time at Our discretion upon prior intimation to You. You are required to make payments associated with the financial products that are purchased on the Platform.
In the event You wish to purchase gold SIP from Augmont, You shall ensure that sufficient funds are available in the bank account linked with the Platform or any other bank account which You are using for such payment at the time of initiating any transaction in relation to such purchase. Neither the Platform nor Augmont shall be held responsible for any failure to process a transaction due to insufficient balance in Your bank account. You shall solely be liable for any consequences, including penalties or fees, arising out of insufficient account balance or failed payment authorizations. In the event of such failure, the Platform reserves the right to:

cancel or suspend the transaction;
recover any loss, charges, or fees incurred as a result of such failure;
temporarily or permanently restrict access to certain services on the Platform;
report such incidents to relevant authorities if required under applicable laws.

Errors, Inaccuracies and Omissions

Occasionally there may be information on Our Platform or in the Service that contains typographical errors, inaccuracies or omissions that may relate to Service descriptions, pricing, promotions, offers, timings, and slot availability. We reserve the right to correct any errors, inaccuracies, or omissions, and to change or update information or cancel Services if any information in the Service on the Platform is inaccurate at any time without prior notice. We undertake no obligation to update, amend or clarify information in the Service, including without limitation, pricing information, except as required by law.

Termination

If You wish to stop using Our Services, You may unlink your financial accounts linked on the Platform for availing the Services by reaching out to Us at support@dream.money.

We also reserve the right to terminate or suspend Your Account immediately, without prior notice, in case of the following:
there is unauthorized access to Your Account;
there is a violation of these Terms;
Your use of the Platform and/or Services is in violation of applicable laws or regulations;
Your use of the Platform and/or Services poses a risk to the Platform or other Users of the Platform and/or Services.

If the reason for the suspension continues for a period of 7 (seven) days, the Company may proceed, at its sole discretion, to terminate Your access to the Platform and/or Services, without prejudice to other remedies that may be available under these Terms or applicable laws.
Users have the right to revoke their consent to data collection and processing. To exercise this right, please submit a written request to contact@dream.money. Upon receipt of your request, we will initiate the process of deleting your user account and associated personal information. Be advised that certain data may be retained where required by law or for legitimate business purposes as outlined in our Privacy Policy.

Disclaimers

The platform and services, and all materials, information, services included in the platform and services are provided "as is," with no warranties whatsoever. company and its licensors expressly disclaim to the fullest extent permitted by law all express, implied, and statutory warranties, including, without limitation, the warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. company and its licensors disclaim any warranties regarding the security, reliability, timeliness, and performance of the platform and services. company disclaim any warranties for any service obtained through the platform.company and its licensors disclaim any warranties for services or advertised on the platform and services or received through any links provided by the platform, as well as for any information or advice received through any links provided in the platform.
The user understands and agrees that the user’s uses the platform and services at his/her own discretion and risk and that the user will be solely responsible for any damages to the user’s computer system or loss of data that results from the download of any material or data.
The Platform and Services provides You an electronic platform which can be used as per these Terms. In this regard, the Company does not guarantee, represent or warrant You that:

Your use of Our Service will be uninterrupted, timely, secure or error-free.
Your use of Service will be uninterrupted for indefinite periods of time or will not be cancelled at any time, without notice to You.
Service will be in conformity with the conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
any disclosure of information concerning Your Account and/or its particulars nor for any error and/or omissions and/or inaccuracy with regard to information so disclosed. In addition, the Company shall further not be liable for any loss or damages sustained by reason of such disclosure, whether intentionally or inadvertently.

You understand and agree that any Service is undertaken at Your own discretion and risk and that You shall be solely responsible for any damage/s or/and cost or/and any other consequence/s resulting from any transaction.
Platform shall not be liable to any person in connection with any damage suffered by any person as a result of Your conduct.
The Company does not have any role in Your Information displayed on the Platform and has no control over Your Information and Company is merely an intermediary under the IT Act for the purposes of these Terms.
The Company, its employees, agents or representatives do not:

provide any recommendations of any financial product, transaction or order; or
provide any investment advice.

The company is not registered with sebi as an investment advisor, portfolio manager, or any other regulated financial intermediary. the company connects users to certain third party investment advisor (“ia”) to enable the users to avail their investment advisory services. in doing so, the platform acts in the capacity of facilitator of their services. the company is only providing technology services to such third party ia. the recommendation/ advice of third party ia for investment and/or disinvestment on any financial product through our platform shall constitute the recommendation/ advice of such third party ia only and shall not be construed to be the advice of the company, or its group entities/affiliates or that recommendations are endorsed by them. any such advice and disputes in relation to such advice shall be subject to the terms and conditions and other policies of such third party ia and the company shall not be made responsible in relation to any such advice. you agree to make an informed independent investment decision by reading the offer documents of the products that you are investing in. you shall be solely responsible for all the investment decisions executed by you on the platform in your account and the company shall nowhere be responsible for any loss or harm incurred by you due to the investment activities carried out in your account.
In providing their services, the third-party ia may pass on your personal information to procure your financial information from their account aggregators. in this regard, the company is neither the account aggregator nor does it in any way directly deal with, or receive any information from the account aggregators. the company does not collect, retrieve, or consolidate financial information from financial information providers. in providing their services, such third party ia may display such financial details on our platform to provide you their services. however, the third party ia have sole control on such data and such data is not accessible or visible to the company. any data sharing, data display or facilitation of financial information on this platform is subject to separate terms of third parties. we are not regulated by the reserve bank of india. the relevant account aggregators shall ensure compliance with the obligations prescribed under relevant regulations of reserve bank of india.
The company merely facilitates the buying and selling of digital and/or physical gold through its online interface. all transactions in relation to buying of gold executed via the platform are conducted between you and third party distributors. the company does not own, store, mint, refine, assay, or guarantee the quality, purity, weight, authenticity, or market value of the gold transacted through the platform. the platform does not assume any responsibility or liability for the gold products or related services offered by third party distributors on the platform. all liability relating to the sale, delivery, storage, pricing, taxation, kyc, or other requirements and compliances of the gold rests entirely with the respective third party distributors. you are advised to conduct your own due diligence and consult appropriate advisors before engaging in any transaction.
The company may merely facilitates the offering and distribution of fixed deposit (“FD”) products provided by third party distributors including banks, non-banking financial companies (NBFCs), and other regulated financial institutions. the company does not by itself issue, manage, or hold any fixed deposits and is not a financial institution, bank, or NBFC. all FD products offered on the platform are offered by independent FD providers who are solely responsible for the terms, performance, safety, returns, and regulatory compliance of their respective products. the platform does not guarantee the repayment, interest rates, or maturity proceeds of any FD, nor does it provide investment advice or make recommendations. you are encouraged to conduct your own independent due diligence and consult with financial advisors prior to making any investment decisions. by using platform for opening any FD, you acknowledge and agree that any transaction undertaken is solely between you and the relevant third party distributor of FD and the platform shall not be held liable for any loss, damage, delay, non-performance, or other issues arising out of or in connection with any FD product or the conduct of such third party distributor.
The KYC verification process in relation to Mutual Funds, gold, FDs or any other such financial products shall be conducted solely by the respective Third Party Distributors or AMCs or their appointed service providers offering such financial products. They shall be exclusively responsible for managing and completing the KYC process end-to-end. The Company shall have no role or liability whatsoever in relation to such KYC processes, and the User agrees not to hold the Company responsible for any errors, delays, rejections, deficiencies, or other issues arising therefrom.
You agree that the bank account from which You place investment orders is a legitimate source and the investment amounts are remitted through approved banking channels. The Company shall not be liable for payment on the Platform through the unauthorized channels.
You understand and agree that investments in financial products carry an inherent risk, and You agree to undertake such risks. There is no guarantee/ assurance as to returns or profits or capital protection or appreciation. We do not give any guarantee regarding the performance of any financial product available on Our Platform. You are required to form Your own independent decision, before investing in any financial product.
The Company has engaged third party service providers for payment gateway services, investment advisor, account aggregator services etc. Such third-party service providers are engaged to facilitate seamless and secured transactions on the Platform. However, the Company assumes no responsibility or liability in any manner whatsoever, for any delayed or non-processing of transactions. You understand that the Company and/or partnered financial institutes shall be well within its rights to not to act and/or suspend the services if the transaction is not successful or delayed credit of transactions takes place. You understand and accept the risk associated with processing of online transactions and agrees that the Company shall not in any manner whatsoever be responsible to You for any losses, cost, interest, penalties, levies, charges or such amount that may be recoverable from You due to delay in or non-processing of transaction is levied. It is advised that, You should diligently keep track of all Your payments are done in a timely and successful manner.

Indemnity and Limitation of Liability

You shall indemnify and hold harmless the Company, its owner, licensee, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of Your breach of this Terms of Use, Privacy Policy and other policies, or Your violation of any law, rules or regulations or the rights (including infringement of Intellectual Property rights) of a third party. Further, You agree to indemnify Company, the respective AMC, trustees to respective AMC, its respective officers, directors, employees and agents against any improper/ fraudulent Transactions, improper/fraudulent fund transfer transactions done or purported to be done by You.
In no event shall the company, its directors, officers or any of its affiliates, be liable for any special, punitive, indirect, consequential or incidental damages, including, but not limited to, loss of data, loss of business or other loss (including substitution of services) arising out of or relating to these terms or any third party services delivered in connection herewith even if previously advised of the possibility of such damages and regardless of whether such liability arises out of contract, negligence, tort, strict liability or any other theory of legal liability; and in no event shall the company’s total liability to the user arising out of or as a result of a service exceed inr 100 (indian rupees one hundred only).

Intellectual Property Rights

Company owns all trademarks including but not limited to the brand logo or other service marks belonging to the Company, and/or its partners, assigns, copyright, patent and all other intellectual property rights in this Platform and Services and content thereof (“Intellectual Property”), other than User Information. Except as expressly provided, nothing contained in this Paragraph shall be construed as conferring any license or right with regards to the Company’s Intellectual Property. No materials available on the Platform may be used, stored, and transmitted by any means (including but not limited to electronic, mechanical, scanning, photocopying or recording) without prior written permission of the Company.
Any User Information which the Company collects and which it may use in an aggregated format is the Company’s property. The Company may use it, in its sole discretion and without any compensation to the User, for any legitimate purpose including, without limitation, the commercial sale thereof to third parties. Company may without restriction, share, use, reproduce, license, or otherwise exploit such aggregated data for its business purposes.
Other than as specified above, neither the Platform nor any of its contents may be modified or copied in whole or part in any form, including by framing, incorporation into other websites or other publications, or be used to create any derivative work. No links to the Platform may be included in any other website without Our prior written permission.

Privacy

Where the Company collects Your personal information as a result of You accessing and using the Platform and/or the Company’s Services, the Company’s Privacy Policy available at https://dream.money/privacypolicy.html will apply to that information. Accordingly, these Terms must be read in conjunction with the Company’s Privacy Policy.

Grievance Redressal

Any complaints with regards to use of Platform may be taken up with the grievance officer appointed by Company (“Grievance Officer”). The details of the Grievance Officer are as follows:

Name: Siddhesh Prabhu

Email: contact@dream.money

The Grievance Officer shall acknowledge and dispose of such complaints within a time period as prescribed under the applicable laws.
In case the User approaches the Company in relation to the grievance with third party service provider, the Company shall promptly transfer any complaints it receives from Users to the third-party service provider and the same shall be addressed by the third party service provider in accordance with their policies.

Third-party products and integrations

The Company may use third party services including, without limitation, the services of investment advisors, payment aggregators, account aggregators etc. to enhance functionalities of Platform. The Company does not make any representations or warranties with respect to such third-party services. Further, the Company is not responsible for the practices employed by these third parties linked to or from the Services or Platform, including the information or content contained there. Such third-party services are subject to and governed by that third party’s own rules, policies, and practices, and not the Company’s Terms.

Amendment

These Terms are current as of the last updated date set forth above.
The Company may periodically change these Terms to keep pace with new technologies, industry practices, and regulatory requirements, among other reasons. While the Company expects most such changes to be minor, the Company requests the Users periodically to review the changes.

Please contact Us by writing an email to us at support@dream.money Or by sending a letter to Us at Our registered office address at Unit no. Ascent,4th Floor, Sudam Kalu Ahire Marg, opposite GSK, Worli, Mumbai,Maharashtra 400030

Force Majeure

Notwithstanding anything to the contrary contained herein, We shall not be liable for any delays or failures in performance resulting from acts beyond its reasonable control including, without limitation, acts of God, acts of war or terrorism, shortage of supply, pandemics, lockdowns, breakdowns or malfunctions, interruptions or malfunction of computer facilities, or loss of data due to power failures or mechanical difficulties with information storage or retrieval systems, labour difficulties or civil unrest or for any reason beyond our reasonable control. Notwithstanding the foregoing, in the event of such an occurrence, We agree to make a good faith effort to perform our obligations hereunder and to take efforts to mitigate the effect of a force majeure event.

Governing Law and Dispute Redressal

These Terms shall be governed by and construed in accordance with the laws of India and You agree that You are bound by the laws of India for the purposes of these Terms and the Services. You agree that the Company shall not be required to follow laws of any other jurisdiction, whether or not You belongs to a different jurisdiction other than India.
We shall try to resolve any dispute arising out of or in relation to these Terms by mutual discussions, failing which the same shall be submitted to arbitration by a sole independent arbitrator appointed by Us under the provisions of the Arbitration and Conciliation Act, 1996. The place of arbitration shall be Mumbai, Maharashtra and the language of arbitration, English. Subject to the foregoing, the courts at Mumbai, Maharashtra, India shall have exclusive jurisdiction.