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Terms & Conditions

These Terms & Conditions (“Terms”) govern your access to and use of the minEarn mobile application, website, platform, and related services (collectively, the “Platform”).

The Platform is operated by MinEarn (“minEarn”, “Company”, “we”, “us”, or “our”).

By accessing, registering for, or using the Platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms, our Privacy Policy, and any other applicable terms, disclosures, or policies displayed on the Platform.

If you do not agree with these Terms, please do not use the Platform.

1. ABOUT minEarn

minEarn is a financial technology platform designed to help users understand and manage their home-loan obligations and explore potential investment-based strategies.

The Platform may provide features including:

The specific services available to you may depend on your eligibility, location, information provided by you, applicable laws, and the availability of third-party financial service providers.

2. ELIGIBILITY

To use the Platform, you must:

By using the Platform, you confirm that the information provided by you is true, accurate, current, and complete.

If any information provided by you changes, you are responsible for updating it.

3. ACCOUNT REGISTRATION

Certain features of the Platform may require you to create an account using your mobile number and OTP.

You are responsible for:

minEarn may suspend or restrict access to an account if we reasonably believe that the account is being misused, compromised, fraudulent, or operated in violation of these Terms.

4. USER INFORMATION

To provide certain services, minEarn may request information including:

You authorize minEarn to use the information you provide in accordance with our Privacy Policy and applicable law.

You must not provide information belonging to another person unless you are legally authorized to do so.

5. IDENTITY VERIFICATION AND DOCUMENTS

Certain services may require identity verification or submission of documents.

You agree to provide genuine, valid, accurate, and legally obtained documents.

minEarn may use third-party verification, financial, credit, lending, investment, or technology service providers to process information where necessary for providing the requested service.

minEarn may refuse to process a request where the information or documents provided are incomplete, inaccurate, invalid, suspicious, or cannot be verified.

6. CREDIT SCORE AND CREDIT INFORMATION

Where available and where you provide the required consent, minEarn may facilitate access to or processing of credit-related information through authorized third-party providers or credit information companies.

Credit scores and credit information are provided by the relevant credit information provider and may change over time.

minEarn does not guarantee:

7. HOME-LOAN SERVICES

minEarn may allow users to add, view, analyze, track, or manage information relating to existing or prospective home loans.

The Platform may provide calculations or estimates relating to:

Such calculations are intended for informational and illustrative purposes only.

Actual loan terms, repayment schedules, interest rates, charges, savings, and outcomes may differ based on the terms provided by the relevant lender or financial institution.

8. LOAN TRANSFER, REFINANCING AND LOAN APPLICATIONS

Where available, minEarn may facilitate or assist users in exploring home-loan transfer, refinancing, or new loan opportunities.

minEarn does not guarantee that:

Final decisions regarding lending, eligibility, interest rates, loan amounts, documentation, approval, disbursement, and other loan terms are made by the relevant lender or financial institution.

9. INVESTMENT INFORMATION AND SIMULATIONS

The Platform may provide investment-related information, calculators, simulations, projections, or illustrations involving products or strategies such as:

Investment calculations and projections are based on assumptions, inputs, historical information, estimated rates, or other parameters.

They are not guarantees of future performance.

Actual investment returns may be higher or lower than any amount, percentage, projection, estimate, or illustration displayed on the Platform.

10. TARGET RETURNS AND PACKAGES

The Platform may display different investment scenarios or target return options, including options such as 10%, 12%, or 15%, where applicable.

Such percentages are intended to represent illustrative or target scenarios unless expressly stated otherwise in the applicable product documentation.

They must not be interpreted as guaranteed returns, assured profits, fixed returns, or promises of investment performance.

Actual returns depend on market conditions, product performance, fees, taxes, investment duration, and other factors.

11. minEarn STRATEGY

minEarn may suggest an additional amount that a user may consider allocating toward an investment strategy in connection with their home-loan planning.

For example, the Platform may illustrate a scenario where a user pays their regular EMI and considers allocating an additional amount toward an investment.

Any such recommendation, suggestion, or calculation is based on the information and assumptions available at the time.

It is not a guarantee that the strategy will:

Users should independently evaluate whether any strategy is appropriate for their financial circumstances.

12. SIP AND SWP FEATURES

Where available, the Platform may provide SIP and SWP calculators or simulations.

These tools are intended to help users understand potential investment scenarios.

The calculations may depend on factors including:

Actual investment performance may differ materially from the calculations displayed on the Platform.

SIP and SWP calculations are not guarantees of future returns or income.

13. FINANCIAL AND INVESTMENT DISCLAIMER

minEarn is not responsible for investment losses, market fluctuations, changes in interest rates, taxation, inflation, liquidity limitations, or other financial risks arising from investments or financial products selected by a user.

Nothing on the Platform should be interpreted as a guarantee, promise, assurance, or certainty of financial returns.

Past performance does not guarantee future results.

Users should consider their own financial objectives, risk tolerance, income, liabilities, investment horizon, and other relevant circumstances before making any financial decision.

Where appropriate, users should seek advice from a qualified financial adviser or other appropriate professional before making investment or borrowing decisions.

14. THIRD-PARTY FINANCIAL SERVICE PROVIDERS

Certain services available through minEarn may be provided, facilitated, or fulfilled by third parties, including:

Such third parties may have their own terms, privacy policies, eligibility criteria, fees, charges, and requirements.

Your relationship with a third-party provider may be governed by separate terms and agreements.

minEarn is not responsible for the acts, omissions, policies, products, services, or decisions of third-party providers except to the extent required by applicable law.

15. LOAN APPROVAL AND FINANCIAL PRODUCTS

The availability of any loan, investment, or financial product through the Platform does not constitute a guarantee that you will qualify for or receive that product.

Eligibility and approval may depend on factors determined by the relevant financial institution or provider.

These factors may include credit history, income, employment, documentation, repayment capacity, property details, internal policies, regulatory requirements, and other criteria.

16. FEES AND CHARGES

Certain services may involve fees, charges, commissions, processing fees, or other costs.

Where applicable, such fees or charges will be disclosed to you before you are required to make the relevant payment, subject to applicable law.

Third-party providers may separately charge fees according to their applicable terms.

You are responsible for understanding applicable fees and charges before proceeding with a transaction or service.

17. PAYMENTS

Where payment functionality is available, payments may be processed through authorized third-party payment service providers.

You agree to provide accurate payment information and authorize the applicable payment provider to process transactions initiated by you.

minEarn is not responsible for delays, failures, reversals, or errors caused by payment networks, banks, payment processors, or other third parties, except where required by applicable law.

18. USER RESPONSIBILITIES

You agree that you will:

19. PROHIBITED ACTIVITIES

You must not use the Platform to:

20. ACCURACY OF INFORMATION

minEarn makes reasonable efforts to provide accurate and useful information.

However, financial calculations, loan information, investment projections, rates, market data, and other information displayed on the Platform may contain errors, omissions, delays, or inaccuracies.

Information may also change without notice.

You should verify important financial information with the relevant lender, financial institution, investment provider, or other authorized source before making a financial decision.

21. AVAILABILITY OF THE PLATFORM

We aim to keep the Platform available and functional; however, we do not guarantee uninterrupted or error-free availability.

The Platform may occasionally be unavailable due to:

We may modify, suspend, restrict, or discontinue any feature or service at any time, subject to applicable law.

22. INTELLECTUAL PROPERTY

All content and materials available on the Platform, including:

are owned by or licensed to minEarn and are protected by applicable intellectual property laws.

You may use the Platform only for your personal and lawful purposes.

You may not reproduce, distribute, modify, sell, license, reverse engineer, or commercially exploit any part of the Platform without prior written permission.

23. USER CONTENT

Where the Platform allows you to upload documents, information, feedback, or other content, you remain responsible for the accuracy and legality of that content.

You grant minEarn the rights necessary to process, store, transmit, and use such content for providing the requested services, subject to our Privacy Policy and applicable law.

24. PRIVACY

Your use of the Platform is also governed by our Privacy Policy.

Our Privacy Policy explains how we collect, use, store, share, and protect your personal information.

By using the Platform, you acknowledge that you have read and understood the Privacy Policy.

25. ELECTRONIC COMMUNICATIONS

By using the Platform, you agree that minEarn may communicate with you electronically through:

Such communications may relate to account activity, verification, transactions, service updates, support, security, and other matters related to your use of the Platform.

Marketing communications will be handled in accordance with applicable law and your available communication preferences.

26. CONSENT AND AUTHORIZATION

Where a service requires your consent or authorization, you may be required to provide such consent before the service is initiated.

You authorize minEarn and relevant service providers to process the information necessary to provide the service you have requested, subject to applicable law and our Privacy Policy.

You may be required to provide separate consent for specific services, including credit information access, identity verification, document verification, loan-related services, or investment-related services.

27. TAXES

You are responsible for understanding and complying with your tax obligations arising from loans, investments, returns, withdrawals, transactions, or other financial activities.

minEarn does not provide tax advice unless expressly stated otherwise.

28. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, minEarn shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to your use of the Platform.

This may include losses arising from:

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

29. INDEMNIFICATION

To the extent permitted by applicable law, you agree to indemnify and hold harmless minEarn, its directors, officers, employees, affiliates, representatives, and service providers from claims, losses, liabilities, damages, costs, and expenses arising from:

30. SUSPENSION OR TERMINATION

minEarn may suspend, restrict, or terminate your access to the Platform if:

You may stop using the Platform at any time.

Termination of your account does not automatically terminate obligations that by their nature are intended to survive termination.

31. ACCOUNT DELETION

You may request deletion of your account, subject to applicable legal, regulatory, contractual, financial, tax, fraud-prevention, and record-retention requirements.

Certain information may need to be retained for a specified period where required by law or for legitimate business and compliance purposes.

32. CHANGES TO THESE TERMS

We may update these Terms from time to time.

Updated Terms may be made available through the Platform or our website.

Your continued use of the Platform after the updated Terms become effective constitutes acceptance of the revised Terms, to the extent permitted by applicable law.

If a change is material, we may provide additional notice where required.

33. CHANGES TO SERVICES

minEarn may add, modify, suspend, or discontinue features, products, services, calculations, integrations, or functionality from time to time.

Certain features may also become unavailable due to changes in regulations, third-party services, commercial arrangements, or other circumstances.

34. FORCE MAJEURE

minEarn shall not be responsible for delays or failures caused by circumstances beyond its reasonable control, including natural disasters, government actions, regulatory changes, war, civil unrest, pandemics, infrastructure failures, internet or telecommunications failures, cyber incidents, or failures of third-party service providers.

35. GOVERNING LAW

These Terms shall be governed by and interpreted in accordance with the laws of India.

Subject to applicable law, disputes arising from or relating to these Terms or your use of the Platform shall be subject to the jurisdiction of the courts located in Ahmedabad, Gujarat, India.

36. GRIEVANCE REDRESSAL

If you have any complaint, concern, or grievance relating to the Platform or services, you may contact our designated grievance officer using the details below.

Grievance Officer:

We will handle grievances in accordance with applicable laws and regulations.

37. CUSTOMER SUPPORT

For general support or assistance, please contact:

38. SEVERABILITY

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions will continue to remain in full force and effect to the extent permitted by applicable law.

39. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy and any additional terms or disclosures applicable to specific services, constitute the agreement between you and minEarn concerning your use of the Platform, except where separate terms are expressly provided for a particular product or service.

40. NO WAIVER

If minEarn does not immediately enforce any provision of these Terms, that does not constitute a waiver of our right to enforce that provision in the future.

41. CONTACT US

If you have any questions regarding these Terms & Conditions, please contact us:

42. USER ACKNOWLEDGEMENT

By registering for or using minEarn, you acknowledge that:

By clicking “I Agree”, “Continue”, “Register”, or by otherwise accessing or using the Platform, you confirm your acceptance of these Terms & Conditions.