Terms of Service Agreement

PLEASE READ THIS TERMS OF SERVICE AGREEMENT CAREFULLY. BY USING THIS WEBSITE OR CONSUMING SERVICES FROM THIS WEBSITE YOU AGREE TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT.

This Terms of Service Agreement (the "Agreement") governs your use of this website, www.curie.money (the "Website"), Yield Technologies Private Limited ("Business Name") offer of services for purchase on this Website, or your purchase of services available on this Website. This Agreement includes, and incorporates by this reference, the policies and guidelines referenced below. Company reserves the right to change or revise the terms and conditions of this Agreement at any time by posting any changes or a revised Agreement on this Website. Company will alert you that changes or revisions have been made by indicating on the top of this Agreement the date it was last revised. The changed or revised Agreement will be effective immediately after it is posted on this Website. Your use of the Website following the posting any such changes or of a revised Agreement will constitute your acceptance of any such changes or revisions. Company encourages you to review this Agreement whenever you visit the Website to make sure that you understand the terms and conditions governing use of the Website. This Agreement does not alter in any way the terms or conditions of any other written agreement you may have with Company for other services. If you do not agree to this Agreement (including any referenced policies or guidelines), please immediately terminate your use of the Website.

Definition:

'Application'/ 'App' means Curie Money App which is developed, designed and operated by Yield Technologies Private Limited ('Company' or 'us' or 'we' or 'our') to provide Services.

'Curie Money' means a mobile application provided to you by Yield Technologies Private Limited to access the services provided by Curie Money.

'Debit Card' means a virtual debit card issued on opening the savings account or salary account and includes any replacement or renewed card issued by us to you at your request or otherwise.

'Partner Bank' means and includes any partner bank which the Company has partnered with, towards offering any Services.

'Payment Systems Provider' means the banks and other financial institutions with whom the Company has agreed to facilitate payment transactions.

'Qubit Investment Advisors Private Limited' means the wholly owned subsidiary of the Company which has a financial information user (FIU) licence who may fetch your financial data using the account aggregator ecosystem maintained by Rebit as per your consent.

'Service(s)' or 'Platform' means and includes through Curie Money the following features in the mobile application and/or website as provided by the Company, collectively be referred to as the Services, as follows: 1. Online Savings Account 2. Unified Payments Interface (UPI) 3. Co-Branded Debit Cards 4. Online Money Transfer 5. Advisory Services 6. Investments 7. Any other product / service as and when launched by Curie Money

'Sahamati' means a not-for-profit company under Section 8 of the Companies Act, 2013, as an organisation comprising account aggregators (AAs), financial information providers (FIPs), financial information users (FIUs), technology service providers and other persons, is fostering the establishment and development of the Sahamati account aggregator ecosystem (Sahamati AA Ecosystem) which facilitates interoperability and related standards for AAs, FIPs and FIUs, manages the Sahamati AA Ecosystem.

'RBI' means the Reserve Bank Of India

'SEBI' means the Security and Exchange Board Of India

1. SERVICES

Terms of Offer: This Website offers for sale certain services (the "services") such as buying, selling, retaining, exchanging or otherwise dealing in any investments, provision of information and offer documents of all mutual funds available through the platform, facilitation of subscription and redemption of mutual funds units by transmitting money to the AMCs. By placing an order or consuming services through this Website, you agree to the terms set forth in this Agreement.
Customer Solicitation: Unless you notify our third party call center reps or direct Company sales reps, while they are calling you, of your desire to opt out from further direct company communications and solicitations, you are agreeing to continue to receive further emails and call solicitations Company and its designated in house or third party call team(s).
Opt Out Procedure: We provide 3 easy ways to opt out of from future solicitations.
1. You may use the opt out link found in any email solicitation that you may receive.
2. You may also choose to opt out, via sending your email address to: support@curie.money
3. You may send a written remove request to #1142, 4th Floor, 6th Main, 7th Sector, HSR Layout, Bangalore, Karnataka 560102
Proprietary Rights: Company has proprietary rights and trade secrets in the Services. You may not copy, reproduce, resell or redistribute any Product manufactured and/or distributed by Company. Company also has rights to all trademarks and trade dress and specific layouts of this webpage, including calls to action, text placement, images and other information.
GST: If you purchase any Services, you will be responsible for paying any applicable tax.

2. WEBSITE

Content; Intellectual Property; Third Party Links.In addition to making Services available, this Website also offers information and marketing materials. This Website also offers information, both directly and through indirect links to third-party websites, about nutritional and dietary supplements. Company does not always create the information offered on this Website; instead the information is often gathered from other sources. To the extent that the Company does create the content on this Website, such content is protected by intellectual property laws of India, foreign nations, and international bodies. Unauthorized use of the material may violate copyright, trademark, and/or other laws. You acknowledge that your use of the content on this Website is for personal, noncommercial use. Any links to third-party websites are provided solely as a convenience to you. Company does not endorse the contents on any such third-party websites. Company is not responsible for the content of or any damage that may result from your access to or reliance on these third-party websites. If you link to third-party websites, you do so at your own risk.
Use of WebsiteCompany is not responsible for any damages resulting from use of this website by anyone. You will not use the Website for illegal purposes. You will (1) abide by all applicable local, state, national, and international laws and regulations in your use of the Website (including laws regarding intellectual property), (2) not interfere with or disrupt the use and enjoyment of the Website by other users, (3) not resell material on the Website, (4) not engage, directly or indirectly, in transmission of "spam", chain letters, junk mail or any other type of unsolicited communication, and (5) not defame, harass, abuse, or disrupt other users of the Website.
LicenseBy using this Website, you are granted a limited, non-exclusive, non-transferable right to use the content and materials on the Website in connection with your normal, noncommercial, use of the Website. You may not copy, reproduce, transmit, distribute, or create derivative works of such content or information without express written authorization from Company or the applicable third party (if third party content is at issue).
PostingBy posting, storing, or transmitting any content on the Website, you hereby grant Company a perpetual, worldwide, non-exclusive, royalty-free, assignable, right and license to use, copy, display, perform, create derivative works from, distribute, have distributed, transmit and assign such content in any form, in all media now known or hereinafter created, anywhere in the world. Company does not have the ability to control the nature of the user-generated content offered through the Website. You are solely responsible for your interactions with other users of the Website and any content you post. Company is not liable for any damage or harm resulting from any posts by or interactions between users. Company reserves the right, but has no obligation, to monitor interactions between and among users of the Website and to remove any content Company deems objectionable, in its sole discretion.

3. DISCLAIMER OF WARRANTIES

YOUR USE OF THIS WEBSITE AND/OR SERVICES ARE AT YOUR SOLE RISK. THE WEBSITE AND SERVICES ARE OFFERED ON AN "AS IS" AND "AS AVAILABLE" BASIS. COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT WITH RESPECT TO THE SERVICES OR WEBSITE CONTENT, OR ANY RELIANCE UPON OR USE OF THE WEBSITE CONTENT OR SERVICES. ("SERVICES" INCLUDE SERVICES AND TRIAL SERVICES.)
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COMPANY MAKES NO WARRANTY:
THAT THE INFORMATION PROVIDED ON THIS WEBSITE IS ACCURATE, RELIABLE, COMPLETE, OR TIMELY.
THAT THE LINKS TO THIRD-PARTY WEBSITES ARE TO INFORMATION THAT IS ACCURATE, RELIABLE, COMPLETE, OR TIMELY.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THIS WEBSITE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN.
AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES OR THAT DEFECTS IN SERVICES WILL BE CORRECTED.
REGARDING ANY SERVICES PURCHASED OR OBTAINED THROUGH THE WEBSITE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

4. LIMITATION OF LIABILITY

COMPANY ENTIRE LIABILITY, AND YOUR EXCLUSIVE REMEDY, IN LAW, IN EQUITY, OR OTHWERWISE, WITH RESPECT TO THE WEBSITE CONTENT AND SERVICES AND/OR FOR ANY BREACH OF THIS AGREEMENT IS SOLELY LIMITED TO THE AMOUNT YOU PAID, LESS SHIPPING AND HANDLING, FOR SERVICES PURCHASED VIA THE WEBSITE.
COMPANY WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES IN CONNECTION WITH THIS AGREEMENT OR THE SERVICES IN ANY MANNER, INCLUDING LIABILITIES RESULTING FROM (1) THE USE OR THE INABILITY TO USE THE WEBSITE CONTENT OR SERVICES; (2) THE COST OF PROCURING SUBSTITUTE SERVICES OR CONTENT; (3) ANY SERVICES PURCHASED OR OBTAINED OR TRANSACTIONS ENTERED INTO THROUGH THE WEBSITE; OR (4) ANY LOST PROFITS YOU ALLEGE.
SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

5. INDEMNIFICATION

You will release, indemnify, defend and hold harmless Company, and any of its contractors, agents, employees, officers, directors, shareholders, affiliates and assigns from all liabilities, claims, damages, costs and expenses, including reasonable attorneys' fees and expenses, of third parties relating to or arising out of (1) this Agreement or the breach of your warranties, representations and obligations under this Agreement; (2) the Website content or your use of the Website content; (3) the Services or your use of the Services (including Trial Services); (4) any intellectual property or other proprietary right of any person or entity; (5) your violation of any provision of this Agreement; or (6) any information or data you supplied to Company. When Company is threatened with suit or sued by a third party, Company may seek written assurances from you concerning your promise to indemnify Company; your failure to provide such assurances may be considered by Company to be a material breach of this Agreement. Company will have the right to participate in any defense by you of a third-party claim related to your use of any of the Website content or Services, with counsel of Company choice at its expense. Company will reasonably cooperate in any defense by you of a third-party claim at your request and expense. You will have sole responsibility to defend Company against any claim, but you must receive Company prior written consent regarding any related settlement. The terms of this provision will survive any termination or cancellation of this Agreement or your use of the Website or Services.

6. All the abiding rules and regulations

A. I agree to abide by Company’s Terms and rules in force and the changes thereto in Terms from time to time relating to my account as communicated and made available on Application. B. I agree that the opening and maintenance of the account is subject to rules and regulations introduced or amended from time to time by Company and/or Partner Bank. C. I agree that Company and/or Partner Bank before opening any deposit account, will carry out a due diligence as required under Know Your Customer guidelines of partner Bank. I would be required to submit necessary documents or proofs, such as identity , address, photograph and any such information to meet with KYC, AML or other statutory/regulatory requirements. Further, after the account is opened, in compliance with the extant regulatory guidelines, I agree to submit the above documents again at periodic intervals, as may be required by the Partner Bank. D. I agree that Company and/or Partner Bank can at its sole discretion, amend any of the services/facilities given in my account either wholly or partially at any time and/or provide an option to me to switch to other services/facilities. E. I agree that any change in my account status or change of address will be immediately informed to Company and/or Partner Bank failing which I shall be responsible for any non-receipt of communication/deliverables or the same being delivered at my old address. F. I agree that all instructions relating to my account will be issued to Company and/or Partner Bank as per acceptable mode of communication to Company and/or Partner Bank. G. I agree that I will maintain the minimum balance in my account as prescribed by Company and/or Partner Bank from time to time. H. I agree that I shall be liable to pay all charges, fees, interest, costs wherever applicable, which Company and/or Partner Bank may levy with respect to my account or any transaction or services rendered and the same may be recovered by Company and/or Partner Bank by a debit to my account. I. I agree that Company and/or Partner Bank will send me in app notification/ communications/ letters etc. through Company App /courier /messenger / mail/ call/ Whatsapp or through any other mode at its discretion and the Company and/or Partner Bank shall not be liable for any delay arising there from. J. I agree that in the event of an account being overdrawn, Partner Bank reserves the right to set off this amount against any credit lying in any of my accounts. K. I agree that Company and/or Partner Bank may disclose, in strict confidence, to other institutions, such personal information as may be reasonably necessary for reasons inclusive of: - For participation in any telecommunication or electronic clearing network - In compliance with a legal directive - For credit rating by recognized credit rating agencies - For fraud prevention purposes - To credit information bureaus. L. I give consent to Company and/or Partner Bank to disclose information provided in the account opening form for the purpose of cross selling and any other marketing agent/s and/or contractors with whom Company and/or Partner Bank enters, or has entered into any arrangement, in connection with providing of services/products, including without limitation, cross selling of various financial products. Company and/or Partner Bank will have to always check before any cross-sell attempt whether or not I have registered for the ‘Do Not Disturb’ facility. M. I agree that Qubit Investment Advisors Private Limited for the purpose of providing Services may fetch my personal financial data as per the consent received from the user. N. I give consent to the company for enabling the Services, we shall partner with financial institutions, RBI licensed account aggregator(s), SEBI licensed investment advisors, third party banks or other entities (“Partner Entities”). By availing this Service, you understand and undertake that you shall abide by the terms and conditions of such Partner Entity and shall provide all information as requested by the Partner Entity in order to provide you the Service. O. I agree to increase the accuracy of the Service, you shall have an option to register with our Partner Entities by way of one time password authentication on the mobile number used to avail this Service. P.I agree that after successful authentication, a list of the bank accounts that are linked with your mobile number shall be displayed and you shall have the option to choose which bank accounts can Curie and the Partner Entities access to provide you this Networth Service. Q. I acknowledge that my express consent will be taken before collecting each of the below mentioned information: a. List of the bank accounts you wish to link to the Curie Money Service. b. Details of the bank accounts that you wish to share with Curie Money, including but not limited to the account balance and the bank statements. c. The duration for which such consent shall be valid. d. The frequency at which such information shall be requested from the banks where your bank accounts are maintained.

7. You shall have the right:

(a) to be informed of all the attributes specified in the consent artefact in relation to any consent sought to be obtained from you for the transfer of data from FIPs to the FIU through the account aggregator and/or for transfer of data by yourself request from FIPs to Customers through the AA, as the case may be; (b) to access a record of all the consents provided via our Account Aggregator partner, the details of the subsequent data flows and the FIUs with whom the corresponding data has been shared for such period of time as specified under applicable laws from time to time; (c) to raise a grievance with the grievance resolution officer of the in accordance with dhruv@qubitadvisors.in below; (d) to revoke any consent that has been provided to the Company or Qubit Investment Advisors Private Limited to deregister

8. Grievance Redressal & Dispute Resolution

(a) Your complaints, claims, disputes or grievances (together termed ‘grievance/s’) involving factual matters capable of being ascertained as fully or partially valid (or not) in an automated mode or manner by checking the relevant records of the concerned participant/s, shall be so ascertained, and the accepting or rejecting such grievance/s (fully or partially) shall be duly notified to the claimant or the aggrieved person on so being ascertained. Where the grievance/s has been accepted as fully or partially valid, you will undertake due measures to redress the grievance or make payment of the specified compensation to the claimant or the aggrieved person. The Company shall identify and notify from time to time the types of grievance/s. (b) Customer shall write its grievance to the: support@curie.money

9. UPI

A. What is NPCI?
NPCI is an authorized payment system operator by RBI. NPCI owns and operates UPI payment system.

B. What is a PSP bank?
PSP is the banking company authorized to act as a Payment Service Provider (PSP) under the UPI framework. PSP engages the TPAP to provide UPI services to the end-user customers.

C. What are TPAPs?
Third Party Application Provider (TPAP) is an entity that provides the UPI compliant app(s) to the end-user customers to facilitate UPI based payment transactions.

D. What is a Customer's Bank?
The Bank where the end-user customer maintains his/her account that has been linked for the purpose of debiting/crediting the payment transactions made through UPI.

E. Who is an End User Customer?
The end-user customer is the individual who uses UPI payment facility to send and receive payments.

F. We hereby confirm that:
* We Yield Technologies Private Limited are a TPAP authorized by NPCI to facilitate payments through PSP Bank(s) namely Yes Bank Limited. We are a service provider and we participate in UPI through the PSP Bank.
* We are bound by the tripartite agreement entered with the sponsor PSP Bank Yes Bank Limited and NPCI. We are responsible for facilitating grievances / complaints resolution of the customers on-boarded on our UPI application.
* We shall be the first point of contact for all UPI related grievances/complaints for customers on-boarded by us. In case the complaint/grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where you maintain the account) and NPCI in the same order. After exercising these options you can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.

G. Roles & Responsibilities of NPCI:
* NPCI owns and operates the Unified Payments Interface (UPI) platform
* NPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities and liabilities of the participants, with respect to UPI. This also includes transaction processing and settlement, dispute management and clearing cut-offs for settlement
* NPCI approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAP) and Prepaid Payment Instrument issuers (PPIs) in UPI
* NPCI provides a safe, secure and efficient UPI system and network
* NPCI provides online transaction routing, processing and settlement services to members participating in UPI
* NPCI can, either directly or through a third party, conduct audit on UPI participants and call for data, information and records, in relation to their participation in UPI
* NPCI provides the banks participating in UPI access to system where they can download reports, raise chargebacks, update the status of UPI transactions etc.

H. Roles & responsibilities of PSP Bank:
* PSP Bank is a member of UPI and connects to the UPI platform for availing UPI payment facility and providing the same to the TPAP which in turn enables the end-user customers / merchants to make and accept UPI payments
* PSP Bank, either through its own app or TPAP’s app, on-boards and registers the end-user customers on UPI and links their bank accounts to their respective UPI ID.
* PSP Bank is responsible for authentication of the end-user customer at the time of registration of such customer, either through its own app or TPAP’s app
* PSP Bank engages and on-boards the TPAPs to make the TPAP’s UPI app available to the end-user customers
* PSP Bank has to ensure that TPAP and its systems are adequately secure to function on UPI platform
* PSP Bank is responsible to ensure that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the end-user customer including UPI transaction data as well as UPI app security
* PSP Bank has to store all the payments data including UPI Transaction Data collected for the purpose of facilitating UPI transactions, only in India
* PSP Bank is responsible to give all UPI customers an option to choose any bank account from the list of Banks available on UPI platform for linking with the customer’s UPI ID.
* PSP Bank is responsible to put in place a grievance redressal mechanism for resolving complaints and disputes raised by the end-user customer

I. Roles & responsibilities of TPAP:
* TPAP is a service provider and participates in UPI through PSP Bank
* TPAP is responsible to comply with all the requirements prescribed by PSP Bank and NPCI in relation to TPAP’s participation in UPI
* TPAP is responsible to ensure that its systems are adequately secure to function on the UPI platform
* TPAP is responsible to comply with all applicable laws, rules, regulations and guidelines etc. prescribed by any statutory or regulatory authority in relation to UPI and TPAP’s participation on the UPI platform including all circulars and guidelines issued by NPCI in this regard
* TPAP has to store all the payments data including UPI Transaction Data collected by TPAP for the purpose of facilitating UPI transactions, only in India
* TPAP is responsible to facilitate RBI, NPCI and other agencies nominated by RBI/ NPCI, to access the data, information, systems of TPAP related to UPI and carry out audits of TPAP, as and when required by RBI and NPCI
* TPAP shall facilitate the end-user customer with an option to raise grievance through the TPAP’s grievance redressal facility made available through TPAP’s UPI app or website and such other channels as may be deemed appropriate by the TPAP like email, messaging platform, IVR etc.

J. Dispute Redressal Mechanism:
* Every end-user customer can raise a complaint with respect to a UPI transaction, on the PSP app / TPAP app.
* End-user customer can select the relevant UPI transaction and raise a complaint in relation thereto

* A complaint shall be first raised with the relevant TPAP in respect to all UPI related grievances / complaints of the end-user customers on-boarded by the PSP Bank / TPAP (if the UPI transaction is made through TPAP app). In case the complaint / grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where the end-user customer maintains its account) and NPCI, in the same order. After exercising these options, the end-user customer can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.
* The complaint can be raised for both the types of transactions i.e. fund transfer and merchant transactions
* The end-user customer shall be kept communicated by the PSP / TPAP by means of updating the status of such end-user customer’s complaint on the relevant app itself

10. Confidentiality Obligation

You recognise that in the course of your participation and registration on the Application the Company, Qubit, Sahamati and Partner Bank will gain access to confidential information and agree to adhere to the same standard of care that it uses for its own confidential materials or for personal data as required by applicable laws.

11. Miscellaneous

(a) Any delays or failure in performance by the Company under these Terms shall not constitute a default hereunder if and to the extent caused by a force majeure event. (b) All notices or other communications under these Terms shall be in writing and, unless otherwise specified, may be sent by email, speed post or courier or any other acceptable mode of electronic communication. (c) No delay by the Company in enforcing any provision of these Terms shall be construed to be a waiver of any of the rights under such provision. (d) If any provision of these Terms is held to be invalid or unenforceable by a court or tribunal of competent jurisdiction or by the dispute resolution mechanism specified in these Terms, then the remaining Terms shall remain in full force and effect as if the invalid or unenforceable provision had never been part of these Terms. (e) Nothing in these Terms shall be deemed to be a transfer, license or assignment of any right, title, interest or claim in relation to intellectual property rights of any Participant, and any such transfer, license or assignment should be between or among the parties thereto in writing.

12. Suspension

The Company may suspend your account on the Application in the event: (a) you commit a material breach of any of these Terms; (b) you commit a breach of Applicable Laws; or (c) any such suspension shall remain in force until the event/s mentioned above have been duly rectified or compounded and/or its operating licence restored, as the case may be; (d) No such suspension of a Participant shall affect any of its accrued