Effective Date: [DD Month YYYY] Last Updated: [DD Month YYYY]
Welcome to [App/Website Name] ("we", "us", "our", "Company", "Platform"), owned and operated by [Legal Entity Name — e.g., XYZ Technologies Private Limited], having its registered office at [Registered Address].
These Terms & Conditions ("Terms") govern your access to and use of the [App/Website Name] website and mobile application (together, the "Platform"), including all features such as ads, tasks, offers, spin wheel, check-in, referrals, withdrawals, and the AI Companion Chat. By creating an account or otherwise using the Platform, you agree to be legally bound by these Terms. If you do not agree, please do not use the Platform.
1.1 You must be 18 years of age or older to create an account or use the Platform. By registering, you make an affirmative self-declaration that you are 18 years of age or older, using the mandatory checkbox provided at signup.
1.2 You are solely responsible for the accuracy of your age declaration. If it is later found that you provided a false declaration regarding your age or any other eligibility criteria, we reserve the right to immediately suspend or terminate your account, forfeit any accumulated Points, Rupees, or pending withdrawals, and take any other action permitted under law. The Company shall not be held liable for any consequence arising from a false self-declaration made by the user.
1.3 Each individual may hold only one (1) account on the Platform. Creating or operating multiple accounts (including via different phone numbers, devices, or Google accounts) is a violation of these Terms and may result in suspension of all linked accounts and forfeiture of associated balances.
1.4 The Platform is intended for use by individuals only, for personal, non-commercial purposes.
2.1 You may register using either (a) your phone number with OTP/verified-call verification, or (b) Google Sign-In followed by mandatory phone number verification. Phone number verification is mandatory under both paths and is a core anti-fraud requirement.
2.2 You agree to provide accurate, current, and complete information during registration and to keep such information updated.
2.3 You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Notify us immediately of any unauthorized use of your account.
3.1 The Platform operates a two-tier virtual currency system: Points (a non-withdrawable, in-platform soft currency) and Rupees (a withdrawal-eligible hard currency), as further described within the Platform.
3.2 Points may be converted into Rupees at a conversion rate determined and displayed by the Company from time to time. The Company reserves the right, at its sole discretion, to revise conversion rates, reward values, and unlock thresholds at any time, with or without prior notice, to reflect changes in underlying advertising/network revenue or business requirements.
3.3 Points and Rupees have no monetary value outside the Platform, cannot be transferred to any other user or third party (except as expressly permitted via the Referral Program), traded, sold, or exchanged for cash except through the Platform's own withdrawal mechanism, and are not deposits, securities, or investments of any kind.
3.4 Access to certain currency tiers, features, and offers may be gated by your account Level, which can be progressed through recharge, referrals, engagement, or time-based loyalty, as displayed within the Platform.
4.1 No reward, Point, or Rupee credit is guaranteed merely by taking an action (such as viewing an ad, starting a task, or completing an offer). Credit is only granted after the relevant third-party ad-network, CPA/affiliate network, or offer provider has confirmed, on a server-to-server ("S2S") basis, that the underlying revenue-generating event has genuinely occurred.
4.2 Certain actions may show a "Pending" status while such third-party confirmation is awaited. Rewards shown as "Pending" are not final and may be reversed or not credited if the third-party network does not confirm the event, rejects the postback, or if the network's own policies (including regional eligibility) are not satisfied.
4.3 The value of any reward (Points, Rupees, bonus multipliers, etc.) is determined by the Company based on actual confirmed revenue and related business considerations, and may be less than, but will never exceed, what a user is shown as pending/potential. Displayed "fee" or "tax" fields (where shown as ₹0.00 or similar) reflect that the Company's margin is already factored into the reward design; this does not constitute a misrepresentation of the underlying commercial arrangement.
4.4 Reward mechanics such as the Spin Wheel, Daily Check-in, and similar engagement features involve an element of randomization within pre-set, server-controlled probability ranges. These are engagement and loyalty features, not games of chance offered for stakes, and no payment, purchase, or consideration is required from the user to participate in the free tiers of these features. Any high-value or "jackpot" outcomes are subject to the same confirmed-revenue and anti-fraud principles as any other reward.
5.1 You agree not to engage in, attempt, or facilitate any fraudulent, abusive, or manipulative activity on the Platform, including but not limited to: use of bots, emulators, VPNs/proxies to fake location, click-farms, multiple/fake accounts, device or SIM farming, ad-fraud, incomplete or automated viewing of ads, fake or self-referrals, or exploitation of any bug or technical vulnerability.
5.2 The Company employs automated and manual anti-fraud systems, including device fingerprinting, phone verification, time-spent validation, IP-based rate limiting, and transaction-level review.
5.3 If fraud or abuse is detected or reasonably suspected, the Company reserves the right, at its sole discretion and without prior notice, to: (a) suspend or permanently terminate the account; (b) withhold, reverse, or forfeit any Points, Rupees, or pending withdrawals associated with the fraudulent activity; (c) block the underlying device, phone number, or payment identifier from future use; and (d) pursue any other remedy available under applicable law.
5.4 Decisions relating to fraud detection are made by the Company based on available data and system logic, and the Company's determination shall, subject to applicable law, be treated as final for purposes of account status on the Platform.
6.1 Withdrawals are processed via UPI (or such other payout method as the Company may offer) to a UPI ID/bank account that you provide.
6.2 You are solely responsible for the accuracy of the UPI ID/payment details you provide. The Company shall not be liable for any loss arising from incorrect, outdated, or fraudulent payment details submitted by you.
6.3 Minimum withdrawal thresholds and indicative processing timelines are displayed within the Platform and may be updated from time to time. First-withdrawal or fast-processing benefits (where offered) are provided at the Company's discretion and may be modified, delayed, or withdrawn, including where fraud checks or manual review are required.
6.4 The Company reserves the right to conduct manual review of any withdrawal request, including the first withdrawal(s) on an account, and to delay, request additional verification for, or decline a withdrawal that it reasonably believes is linked to fraud, abuse, or a violation of these Terms.
6.5 Withdrawals are processed through third-party payment gateway/payout service providers. The Company is not responsible for delays or failures caused by such third-party payment infrastructure, banking systems, or UPI network downtime.
7.1 Referral bonuses are credited only once all applicable verification conditions (including genuine, unique-device, non-self referral activity as determined by the Company's anti-fraud systems) are satisfied. Partial or signup-only referrals do not qualify for credit.
7.2 The Referral Program offers a flat, one-time bonus per successfully verified referral and does not involve any percentage-based commission, downline earning, multi-level structure, or ongoing revenue share tied to a referred user's subsequent activity.
7.3 The Company reserves the right to withhold or reverse referral bonuses, and to suspend the relevant accounts, where referral abuse (including self-referral, fake accounts, or device/IP manipulation) is detected.
7.4 Daily caps and other limits on referral credits, as displayed within the Platform, apply and may be revised at the Company's discretion.
8.1 The AI Companion Chat feature is powered by third-party large language model providers and is an artificial intelligence system, not a human being. It is provided solely for entertainment and companionship purposes.
8.2 You acknowledge and agree that: (a) the AI does not provide medical, legal, financial, or professional advice of any kind; (b) you will not share sensitive personal information (including but not limited to financial details, passwords, identification numbers, or health information) in chat conversations; (c) chat usage does not result in any Points, Rupees, or other reward credit; and (d) your chat messages are transmitted to third-party AI infrastructure providers for processing, as further described in our Privacy Policy.
8.3 A separate consent screen is presented before first use of this feature, and continued use of the AI Companion Chat is conditioned on acceptance of that consent. The Company reserves the right to apply content filters and to restrict, suspend, or terminate access to this feature for any user, including for attempted misuse.
8.4 Access to the AI Companion Chat feature, including any free-trial or ad-unlocked message quotas, is provided at the Company's discretion and may be modified at any time.
9.1 The Platform displays advertisements, offers, surveys, and promotional content from independent third-party advertising networks, CPA/affiliate networks, and offerwall providers ("Third-Party Partners"). The Company does not control, and is not responsible for, the content, accuracy, legality, or fulfilment of any Third-Party Partner's offer, product, or service.
9.2 Where the Platform facilitates redirection to Buy-Now-Pay-Later ("BNPL") or EMI providers, or to affiliate shopping links, the Company acts solely as a referral/redirection intermediary and is not the lender, seller, or service provider in respect of any such transaction. Any agreement for credit, purchase, or service is strictly between you and the relevant third party, and is governed by that third party's own terms, conditions, interest rates, fees, and policies. The Company makes no representation or warranty regarding, and assumes no liability for, any such third-party transaction.
9.3 Eligibility for specific offers may vary by your region, and the Company uses location signals (GPS and/or telecom circle) to filter offers likely to be eligible; however, final eligibility and credit for any offer is determined solely by the relevant Third-Party Partner.
10.1 All content on the Platform, including but not limited to the [App/Website Name] name, logo, design, text, graphics, software, and underlying technology, is the property of the Company or its licensors and is protected under applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Platform for its intended personal purposes only.
10.2 You may not copy, modify, distribute, reverse-engineer, scrape, or create derivative works from the Platform without prior written consent from the Company.
11.1 The Company may suspend or terminate your account, with or without prior notice, where it reasonably believes you have: violated these Terms; engaged in fraud or abuse; provided false information; or where required to comply with applicable law or a lawful request from a governmental authority.
11.2 Upon termination for cause (including fraud or Terms violation), any unwithdrawn Points, Rupees, or pending rewards associated with the account may be forfeited, without prejudice to any other right or remedy available to the Company.
11.3 You may close your account at any time by contacting us through the Platform's support channel; account closure requests will be processed in accordance with our Privacy Policy's data retention terms.
12.1 The Platform, and all features, content, and Third-Party Partner offers made available through it, are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including as to availability, uninterrupted access, accuracy, or fitness for a particular purpose.
12.2 To the maximum extent permitted under applicable law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of earnings, opportunity, or data, arising out of or in connection with: (a) downtime, errors, or unavailability of the Platform; (b) acts, omissions, downtime, or policy changes of any Third-Party Partner, ad-network, payment gateway, or AI infrastructure provider; (c) any fraud committed by a third party against you; or (d) your own violation of these Terms.
12.3 Nothing in this Section limits any liability that cannot be excluded or limited under applicable Indian law.
12.4 The Platform does not guarantee any specific level of earnings. Actual earning potential depends on genuine engagement, third-party network availability, regional offer eligibility, and confirmed-revenue outcomes, all of which are outside the Company's control.
You agree to indemnify and hold harmless the Company, its officers, employees, and affiliates from and against any claims, losses, liabilities, and expenses (including reasonable legal fees) arising out of your breach of these Terms, your violation of any law, or your infringement of any third-party right.
The Company may revise these Terms at any time by posting the updated Terms on the Platform, with an updated "Last Updated" date. Where changes are material, we will make reasonable efforts to notify users (e.g., via in-app notice). Your continued use of the Platform after such changes take effect constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Platform.
These Terms shall be governed by and construed in accordance with the laws of India. Subject to applicable law, the courts at [City, State — e.g., Delhi] shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms.
In accordance with applicable Indian law, any grievances or complaints regarding the Platform may be addressed to our Grievance Officer:
Grievance Officer: [Name] Email: [grievance@yourdomain.com] Address: [Registered Address]
We will endeavour to acknowledge and resolve grievances within the timelines prescribed under applicable law.
For any questions about these Terms, please contact us at [support@yourdomain.com].
This document is a template drafted for [App/Website Name] based on the product's confirmed feature set as of [Date]. It is intended as a strong starting draft and should be reviewed by a qualified Indian lawyer before publication, particularly in relation to: (a) state-specific laws on games of chance/skill applicable to the Spin Wheel feature, (b) the Prize Chit & Money Circulation Schemes (Banning) Act, 1978 as applicable to the Referral Program, and (c) final entity, address, and jurisdiction details.