This document is an electronic record in terms of Information Technology Act, 2000, amendments thereof from time to time and the rules thereunder as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
Please read the terms of use carefully before registering, accessing or using the Gullak Money Services (described below). The terms and conditions are a binding legal contract ("Agreement") between You and Finterscale Technology Private Limited (“/ Gullak /Company”) having its registered office at 4th Floor, Building, 387, Koramangala 4th Block, Koramangala, Bengaluru, Karnataka 560034, India. You agree and acknowledge that you have read the terms and conditions set forth below and are agreeable to the same. If you do not agree to these terms and conditions or do not wish to be bound by these terms and conditions, you shall not use the Services and/or shall immediately terminate your use of the Services and/or uninstall the mobile application (“App/Platform”)
We may amend the terms and conditions at any time at our discretion, by posting an updated version at the website and App (App/Platform). The updated version of the Terms of Service shall take effect immediately upon posting. Your continued use of the App or Services following the posting of changes shall be considered as your voluntary acceptance and acknowledgement of the updated Terms.

“We”, “Us”, “Our” - shall refer to Finterscale Technology Private Limited“You”, “Yours”, “Yourself”, “User”- refers to a user of the App, including but not limited to users availing services provided by Gullak “Gullak App” - The App, hosted by Gullak ,for providing Gullak services to its users, including its business partners and service providers and also includes any and all Services where it acts as an Intermediary. “Gullak Services” - shall include all services extended but not limited to purchase/investment of Gold and other similar investment line. “Business Partners” – Shall refer to any individual, group of individuals defined under law with whom Gullak have a contractual relationship and not limited to Clients, Advertisers, Financial institutions

1) You are 18 years of age or older and an Indian citizen
2) You are capable of entering into a contract /legally binding agreement
3) You have the right, authority and capability to enter into this Agreement abiding by all the provisions of the “terms of use”
4) You are not impersonating any person or entity, or falsely stating your age or affiliation with any person or entity. Gullak shall reserve the right to terminate your contract to use in case of any incorrect representation of the above-mentioned conditions.
5) The mandatory information and Officially valid document(s) “OVD”/ document details mentioned by you are true & correct and belong to You.
6) We will at all times assume (and by using this App you warrant that) you have the legal ability to purchase and sell Gold and otherwise use this Platform, and are capable of being bound by these Terms and Conditions.
7) Further, by using the App, You confirm that you are not registered under any applicable Goods and Services Tax Act, 2017 and that if, in the course of your continuing use of our App, you become registered under the applicable Goods and Services Tax Act, 2017, you shall inform us in writing of your change in status immediately.
8) If necessary, you shall seek independent tax advice, and these Terms and Conditions do not constitute any tax advice to You.

In order to use the Services You need to register on the Gullak App/Platform and provide us with accurate and complete information as required. You are also required to keep your accounts, KYC details and contact information complete and updated at all times.If you provide any information that is untrue, inaccurate, not current or incomplete, or the Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, the Company has the right to suspend or terminate your account and refuse any and all current or future use of the Platform (or any portion thereof) without any liability/obligation whatsoever being owed by Gullak to You.

Once you sign-up on App you are entitled to a Gullak Account. Once registered, certain services may ask you for additional information in order or avail such service and may involve creation of sub-accounts for availing such services.

1) Company reserves the right to modify, suspend, or terminate access to or may require the Platform to modify, suspend, or terminate access to, all or any portion of the Platform or Your ability to access any Digital Gold Services through the Platform at any time for any reason including termination for breach of any of these Terms.
2) You acknowledge that the termination of Your access to the Platform and/or the Digital Gold Services may be affected without any prior notice, and the Gold accumulation account/Account may be immediately deactivated or deleted and all related information and/or bar any further access to the Gold accumulation account/Account, the Platform or the Services.
3) You may also request Gullak to terminate your account with us by deleting your account or sending an email to the customer support through your registered email id.
4) These Terms shall further stand terminated:
    (i) if Gullak is adjudged bankrupt or declared insolvent;
    (ii) if Gullak ceases to carry on its business;
  (iii) upon Gullak commencing a voluntary proceeding under any applicable bankruptcy, insolvency, winding up or other similar applicable law, or consenting to the entry of an order for relief in an involuntary proceeding under any such applicable law, or consenting to the appointment or taking possession by a receiver, liquidator, assignee (or similar official) for the whole or a substantial part of its property or takes any action towards its re-organization, liquidation or dissolution.
Further, you agree that Gullak shall not be liable to you or any third-party for any termination of your access to the Service. However, on such termination,

Gullak Services

Gullak Account An account that you create when you sign-up/register with Gullak to access the Services, including the following:

1) Gullak provides a platform facilitating buying, selling and other ancillary services related to Gold (“Digital Gold Services”) in partnership with bullion providers. As a platform provider, Gullak shall facilitate transactions and collection of payments for the Digital Gold Services on its Platform (“Platform Services”). Any and all of the transactions relating to the Digital Gold Services are being facilitated by Gullak through Platform in association with the bullion providers with whom separate agreements have been entered into by Gullak.
2) You understand, acknowledge and agree that the gold-related services offered on the Platform are facilitated by Gullak through its arrangement with Augmont GoldTech Private Limited (“Augmont”). Augmont is the bullion provider and provides services of safe keeping/vaulting and delivery/fulfilment of gold and related services thereto, on or through the Platform.
3) It is also clarified that the Company’s role is limited to merely providing a platform to its Users to facilitate the transaction of sale and investment of Gold and Gullak will not be liable in any manner with respect to the products and/or services offered to You by any other business partners (including Augmont), in any case whatsoever. In addition to the terms and conditions conatiend herein, by accessing or using the Platform and availing the Digital Gold Services, the User expressly acknowledges and agrees to be bound by the terms and conditions of Augmont, as may be amended from time to time (“Augmont T&Cs”), which are hereby incorporated by reference and made an integral part of these Terms. A hyperlink to the current version of the Augmont T&Cs is provided  https://www.augmont.com/terms-conditions
4) In the event of any inconsistency or conflict between these Terms and the Augmont T&Cs, the provisions of the Augmont T&Cs shall prevail solely with respect to the Digital Gold services and You are advised to read the Augmont T&Cs.

Users may be required to provide KYC documentation and other information as deemed fit by business partners (currently Augmont), particularly for preventing fraudulent activities and for delivery of Customer Gold. KYC verification is primarily based on PAN Card, with provisions for Form 60 submission if no PAN Card is available.

The User hereby voluntarily and irrevocably authorizes Gullak to act as its limited agent for the purposes of facilitating Digital Gold Services through its Platform, including: (a) interacting and entering into arrangement with Augmont and any custodian or third-party service provider for facilitating Digital Gold Services including storage, redemption, or delivery of gold; (c) addressing unclaimed digital gold assets or balances reflected in your account on the Platform; and (d) liquidating or transferring such unclaimed digital gold in accordance with applicable laws and as terms agreed with Augmont. You expressly acknowledge and agree that all actions taken by Gullak on such authorisation by you under this clause and/or this Agreement shall be binding on you and shall be deemed to have been taken with your authority and consent.

1) The Company hereby grants You, a limited, non-exclusive, non-transferable, royalty free license to use the App/Platform for the purposes of availing the Services.
2) You agree that You shall not copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, alter, transmit, license, create derivatives from, transfer or in any way exploit any part of any information, content, materials, services available from or through the App/Platform, except that You may download the App for Your own personal, internal and non-commercial use.
3) You agree that You will not use the App/Platform in any manner or engage in any activity that may damage, disable or impair or adversely affect the use of the Platform or interfere with any other users use, legal rights, or enjoyment of the Platform. Further, You agree not to remove any text, copyright or other proprietary notices contained in the content downloaded from the App/Platform.
4) Use of the App/Platform and availing the Services: You acknowledge that the Services are for Your personal use and agree not to publish the Gold prices or descriptions of Gold and/or any other information displayed on the Platform (in lieu of Your access to the App/Platform) on any other medium.
5) You hereby agree and acknowledge that the data and information provided on the App does not constitute advice of any nature whatsoever and shall not be relied upon by You while making investment decisions and You shall be solely responsible for any investment decisions and for the purchase of any Gold on the App.
6) In no event shall the Company be liable to You for any loss or damage that may cause or arise from or in relation to these Terms of Use and/or due to use of this App/Platform or due to investments made using this App/Platform.

1) The market prices of bullion shown on the Platform would only be an invitation to offer to all eligible Users. An order legitimately placed by an eligible Account holder would constitute an offer for purchase or sale of the Gold, as the case may be.
2) You can purchase Gold on the Platform on a pre-payment basis i.e., once you place the order and confirm the transaction for purchase of Gold with an applicability of 3% GST on all purchases, and agree to the Terms of Use, the Platform will notify Augmont. The gold once purchased cannot be sold before 48 hours of purchase.
3) Once the payments are received by Augmont and the KYC information (if and where applicable) is found acceptable, Augmont shall issue an invoice to You confirming the Customer Order placed within a period of 3 (three) business days of placing such order, in a manner it may deem fit.
4) Notwithstanding anything to the contrary contained in these Terms and Conditions, Company and/or Augmont shall reserve the right, at their sole discretion and without assigning any reason, to delay, reject, suspend, or cancel any transaction placed by the User, including but not limited to instances of: (i) technical errors; (ii) market volatility; (iii) system downtime; or (iv) risk of fraudulent or suspicious activity by the User.The money shall be refunded in case of order rejection.
5) The Company may prescribe minimum and maximum purchase, sale, or delivery limits per User, including daily, weekly, or monthly thresholds. Such limits shall be notified on the Platform and may be modified by the Company at its sole discretion and shall be binding on the Users.
6) Once the Customer Order is placed, You are not entitled to cancel such a Customer Order, provided however that such Customer Order shall stand cancelled if the payment fails for any reason whatsoever. The Platform and/or Augmont reserves the right to cancel the Customer Order, at its sole discretion, if Your information, provided prior to placing the Customer Order, is not found acceptable and the Platform and/or Augmont are of the opinion that You are not eligible to purchase Gold from Augmont.
7) In case of rejection of any of Your Customer Order, where payments have been received by Gullak/ Augmont such payments shall be returned to You in accordance with these Terms of Use or the terms and conditions of Augmont as applicable.
8) The quantity of Gold purchased by You shall be stored with the Custodian in a vault on Your behalf. You hereby authorize Augmont to store such physical gold products purchased by You pursuant to the Customer Order, including, but not limited to, bullion, coins or jewellery (as the case may be) in the secured vault maintained by the Custodian on Your behalf (“Customer Gold”).
9) It is hereby clarified that Your purchase of the physical gold corresponding to Your Customer Order shall be deemed to be completed and title in relation thereto shall be deemed to have been passed to You upon such relevant portion of the Customer Gold being stored in the vault with the Custodian on Your behalf in accordance with the terms and conditions of Augmont, subject to applicable laws.
10) All digital gold purchased through the Platform shall remain the sole and absolute property of the User. Gullak or Augmont do not, at any time, claim any ownership or title rights over such Customer Gold.
11) The Customer Gold purchased by the User shall be securely stored in a vault by Augmont, who shall act solely as a safekeeping agent on your behalf. You hereby authorize the appointment of Augmont for such safe keeping of the Customer Gold purchased and to store such gold products purchased by You, including, but not limited to, bullion, coins (as the case may be) in the secured vault on Your behalf. You expressly agree that Gullak shall not be responsible for storage or safekeeping such Customer Gold.

You will be provided with free storage for Gold/Silver purchased from the Platform for a period of 5 years, or for such period as determined by Augmont in this regard from time to time at its sole discretion and notified to Customers on the Platform (“Free Storage Period”). After the expiry of the Free Storage Period, You may be charged storage charges for such storage of Gold at such rate as would be specified on the Platform, and which may be revised from time to time. You are advised to periodically check the Platform to understand these storage charges.

1) To ensure that the Customer Gold stored in such a vault is adequately protected, necessary insurance policy/ies are required to be obtained by Augmont, where the cost of insurance to safe keep the same will be borne by Augmont. Pursuant to such insurance policy/ies, for any loss or damage to the Customer Gold stored in the vault, You further authorize Augmont to act as Your beneficiary under the insurance policy/ies and to take all steps necessary to protect Your interests.
2) While Augmont maintains necessary insurance policy/ies, in case of occurrence of an event not covered in such insurance policy/ies, the Customer Gold may be at risk. The insurance policy/ies obtained are in line with the global industry practices and cover losses due to fire, lightning, theft, cyclone, earthquake, flood, etc. but do not cover losses due to events such as war, revolution, derelict weapons of war, nuclear radiation, etc.
3) In the event of any expenses or charges remaining payable to any intermediaries or otherwise till actual delivery or fulfilment of any of Your Customer Gold related orders for any reason, including where Augmont is unable to service such requests for any of its event of default, thereby adversely affecting or jeopardizing the fulfilment of Your Customer Orders, the details of the same shall be available at Augmont T&C.

1) Except where noted otherwise, the price displayed on the App/Platform, represents the buy/sell quotes for the prices of Gold, which shall be linked, based on a formula, to the prices of gold and silver in the spot market as indicated by Augmont.
2) Gullak reserves the right to modify the Gold reference pricing mechanism at any time without prior notice, including adopting alternative domestic or international benchmarks.
3) Your payment obligations for any Customer Order will depend on the prices displayed at the relevant time.
4) Payment policy: Payment will be accepted through the payment options made available on the App/ Platform, which may include redirection to a payment gateways and aggregators hosted by third-party websites or UPI applications.
5) At the time of purchase, fulfilment sale and/or transfer of Gold, the relevant taxes will be chargeable as applicable as per the Government regulations. However, please note that the detailed payment terms, delivery, warranty and cancellation and refund policy and other payment policy are subject to the terms and conditions of Augmont which can be accessed at  https://www.augmont.com/terms-conditions
6) Taxes: All applicable taxes, duties, levies, or cess imposed by governmental authorities on the purchase, sale, delivery, or transfer of digital Gold shall be borne solely by the User. Gullak shall not, under any circumstances, be liable for any tax obligations of the User.
7) You agree that you are solely responsible for any personal income reporting and tax payments required of you by applicable government authorities.
8)You agree and acknowledge that you are not a GST Registered Dealer. Further, you agree that TDS shall not be applicable if you wish to undertake financial transactions on the Platform.

1) You shall be entitled to procure delivery of the Customer Gold using the Platform, by logging into your account and utilising your digital Customer Gold balance.
2) Upon placing the delivery request, You shall be required to pay for the applicable charges and confirm the delivery request. Your Digital Customer Gold balance shall be provisionally debited corresponding to the quantity of the Customer Gold sought to be delivered.
3) For the purposes of making delivery to You, You are required to provide a valid address and/or any other documents/information/ biometric identification that may be specified in this regard by Company and Augmont on the Platform from time to time.
4) Delivery of gold shall be facilitated by Augnmont through their delivery partners/ courier agent at your doorstep. All items shall be delivered directly to such person and under any circumstances whatsoever, the User cannot change the recipient details after the order is processed. The User shall have the option to change the shipping address, before the product is actually shipped.
5) The recipient of the products is obliged to produce identity proof and/or address proof or such other documents to verify and establish as being bona fide recipient at the time of delivery to ensure safe delivery of the products.
6) Recipients accepting delivery should carefully examine the package delivered and shall not accept deliveries where the packaging has been tampered with. The recipient receiving the delivery also has the option to open the package and check its contents prior to accepting the delivery or signing the delivery receipt. They shall not accept deliveries, where they find that the box is empty or the contents are damaged or the contents are not in accordance with the order placed.
7) The recipient, upon signing the delivery receipt, acknowledges the receipt of the product in terms of the order placed with the Company. The Company is not liable to you / recipient for any refund / replacement, under any circumstance, for any subsequent complaints with respect to such deliveries.
8) If the recipient is not available at the time of delivery, the Company / courier agent shall try and deliver the item thrice before returning the same to Augmont. All costs for re-shipment and handling in the case of non-delivery to the Customer shall be chargeable to the Customer. 9. You are required to take delivery of Your Customer Gold within such maximum period as shall be specified for this purpose by Augmont from time to time on the Platform. In the event that no valid address has been provided by You during the maximum storage period, then Platform and/ Augmont shall for a period 1 (one) year commencing from the date of expiry of maximum storage period at its sole discretion attempt at least once to contact You using the contact information provided by You to obtain either (i) an address to which You would require the gold in question to be delivered or (ii) Your bank account details into which sale proceeds of the Gold shall be deposited.
9) In the event that Platform and/or Augmont has not been able to contact You during the additional period using the contact information provided by You, Augmont shall be entitled to purchase such Customer Gold with the purchase price being the applicable prevailing price displayed on the Platform for purchase of Gold from Customers as per details detailed in Augmont Terms and conditions.

1) On use of any coupon or discounts, as made available by us on the Platform or any other website or platform of any authorised third party, for purchase of Gold, the same shall be verified and adjusted, as may be necessary, within 7 (seven) days of use of such coupon or discount.
2) Once the payment has been confirmed, the same shall be binding on You and cannot be cancelled.
3) You can opt out of auto investing on the Platform by undertaking the following actions:
a) To pause
  (i) You'll find the pause button on the home screen under your savings.
 (ii) You can choose the duration you wish to pause for.
b) To delete
  (i) Go into profile section.
   Select autopay.
   Select the mandate
   Delete.
 (ii) You can also delete the mandate via your UPI app

From time-to-time Gullak may run marketing and promotional campaigns wherein it may provide offers which may include customer credits, promo codes, vouchers, rewards or any other form of incentive that Gullak may decide at its discretion. For the purpose of clarity, these Offer(s) shall be subject to certain additional terms and conditions, such as details of such Offer(s), validity etc.
You acknowledge that a particular Offer(s) cannot be clubbed with or used in conjunction with any other promotion, discount, vouchers or Offer(s).
Gullak reserves the right to, modify specific terms applicable to each Offer(s) and/or these terms and conditions from time to time or at any time, reject, modify or discontinue, temporarily or permanently, any such Offer(s), with or without prior notice and the decision of Gullak shall be final and binding in this regard. In such cases, such revision will be updated on the Gullak application/platform accordingly.

Intellectual Property Rights for the purpose of this Terms of Use shall always mean and include copyrights whether registered or not, patents including rights of filing patents, trademarks, trade names, trade dresses, house marks, collective marks, associate marks and the right to register them, designs both industrial and layout, geographical indicators, moral rights, broadcasting rights, displaying rights, distribution rights, selling rights, abridged rights, translating rights, reproducing rights, performing rights, communicating rights, adapting rights, circulating rights, protected rights, joint rights, reciprocating rights, infringement rights. All those Intellectual Property rights arising as a result of domain names, internet or any other right available under applicable law shall vest in the domain of Gullak Money or Finterscale entities as the owner of such domain name. The Parties hereto agree and confirm that no part of any Intellectual Property rights mentioned hereinabove is transferred in the name of User and any intellectual property rights arising as a result of these presents shall also be in the absolute ownership, possession and Our control or control of its licensors, as the case may be.

All material on this Gullak money website and mobile application, including images, illustrations, audio clips, and video clips, are protected by copyrights, trademarks, and other intellectual property rights of Finterscale Technologies Pvt Ltd. Material on Website is solely for Your personal, non-commercial use. You must not copy, reproduce, republish, upload, post, transmit or distribute such material in any way, including by email or other electronic means and whether directly or indirectly and You must not assist any other person to do so. Without the prior written consent of the owner, modification of the materials, use of the materials on any other platform or networked computer environment or use of the materials for any purpose other than personal, non-commercial use is a violation of the copyrights, trademarks and other proprietary rights, and is prohibited.

You agree that Gullak at its sole discretion may terminate your contract without prior notice and restrict your access to the App/Platform if determined that You have violated the terms of use and You consent that in case Gullak suffers losses, not limited to monetary losses, due to Your actions, We can take injunctive relief or any other legal action as deemed necessary within the said circumstances and Gullak is not liable for any loss to You due to termination.
In the event of any change in applicable laws, regulations, or governmental policies affecting the provision of Company’s services or Digital Gold Services, Gullak shall have the right to suspend, modify, or discontinue any features of the Platform or services, without incurring any liability in respect of or to the User.

Financial and non-financial transactions performed by You on the Platform is always processed by You or under Your exclusive authorization.

In no event will Gullak be liable for any indirect, consequential, incidental, special or punitive damages, including without limitation damages for loss of profits or revenues, business interruption, loss of business opportunities, loss of data or loss of other economic interests, whether in contract, negligence, tort or otherwise, arising from the use of or inability to use the Services, however caused and whether arising in contract, tort, negligence, warranty or otherwise.
Gullak, its directors, officers, employees, shareholders, affiliates shall not be liable under any circumstances for damages arising out or related in any way to the (i) use or the inability to access, or Your difficulty in accessing the Platform to avail of any Digital Gold Services; (ii) the cost of procurement of substitute goods and services resulting from transactions entered into through or from the Platform; (iii) The unauthorized access to or alterations of your transmissions or data; (iv) Statements or conduct of any third party providers on the service; (v) any consequences arising out or resulting from force majeure events; (vi) failure of electronic communications; (vii) any other matter relating to any service or product offered, delivered or agreed to be delivered, even if Gullak has been advised of the possibility of damages.
In no event shall Gullak’s aggregate liability under these Terms exceed the commission received by Gullak for a transaction undertaken by the User on the Platform that gives rise to such liability.
The User acknowledges, understands and agrees that gold prices are based on prevailing market rate, are volatile and that no return or performance is guaranteed by Gullak.

You shall indemnify and hold harmless Gullak 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.

A Force Majeure Event shall mean any event that is beyond the reasonable control of Gullak and/or its bullion partners including Augmont and shall include but not limited to war, riots, fire, flood, acts of God, explosion, strikes, lockouts, slowdowns, prolonged shortage of energy supplies, Pandemic, computer hacking, unauthorized access to computer data and storage devices, computer crashes, utility or communication failures, earthquakes, acts of terrorism, civil commotion, acts of public enemies, blockade, embargo or any law, order, proclamation, regulation, ordinance, demand or requirement having legal effect of any government or any judicial authority or representative of any such government, or failure of any device used to access the Platform, or any other act whatsoever, whether similar or dissimilar to those referred to in this section, which are beyond the reasonable control of Gullak and/or its bullion partners including Augmont and could not have been prevented by reasonable precautions (“Force Majeure Events”) then Gullak and/or Augmont shall be discharged from such performance to the extent of and during the period of such force majeure event. Such non-performance shall, in no manner whatsoever, amount to a breach of their obligations herein.
In the event of a Force Majeure Event, the affected Party shall notify the other Party and use reasonable efforts to mitigate the impact. Alternative arrangements for delivery or service resumption may be communicated to you by Gullak where feasible. In case of inability of Gullak or Augmont to make deliveries of Customer Gold, Gold coins due to reasons beyond their control, Company may require that the deliveries be effectuated through specific modes, including through local agents / jewellers. In such a case, you agree to bear any additional costs and fees necessary for the delivery to be complete.

In the event of any change in applicable laws, regulations, regulatory guidance, or governmental policies that materially affects, restricts, or prohibits the provision of Gullak’s Platform Services or Digital Gold Services through the Platform, Gullak shall have the right, at its sole discretion, to suspend, modify, or discontinue any features of the Platform or the Digital Gold Services, in whole or in part, without incurring any liability to the User.
Notwithstanding the foregoing, Gullak shall take reasonable efforts, subject to applicable law and operational feasibility, to facilitate the sale, delivery, redemption, or transfer of the User’s digital Gold balance through Augmont or any third-party partner or entity with whom Gullak may enter into a contractual arrangement for such purposes.

The User shall not assign, transfer, or otherwise dispose of any of its rights or obligations under these Terms without the prior written consent of Gullak.

This Agreement and the rights and obligations thereunder and the relations of the parties and all matters arising under or in connection with this Terms of Use, including the construction, validity, performance or termination thereunder, shall be governed by and construed in accordance with the laws of the Republic of India. Subject to and without prejudice to the amicable settlement, the courts in Bengaluru, Karnataka shall have exclusive jurisdiction to try and adjudicate all matters arising in connection with your use of the Services or other matters covered herein.

As part of this continual innovation and improvement, we sometimes may add or remove features and functionalities, increase, or decrease limits to our Services, start offering new services or stop offering old ones on our Platform. Such offering can also be due to discontinuation of any service or offering on the Platform by third party service providers or business partners. We may record or monitor Our conventions with You for records and monitoring quality of our conversations.
Any content downloaded or otherwise obtained through the use of our Platform is done at your own discretion and risk, and We cannot confirm that such documents or contents are error or virus free and You understand and acknowledge that you are solely responsible for any damage to your devices, for any loss of data that may result from the download of such contents.

Gullak and third-party partners make no warranty, express or implied regarding the quality of Services including but not limited to:

1) the Services will meet your requirements
2) the Services will be uninterrupted, timely or error free; or
3) any products, information or material obtained by You in connection with the services will meet Your requirements.
Except as expressly provided herein and to the full extent permitted by law, the Services are provided "as is ", "as available " and "with all faults ". All such warranties, representations, conditions, undertakings and terms, whether express or implied, are hereby excluded. It is Your responsibility to evaluate the accuracy, completeness and usefulness of the Services and other information provided by Gullak or generally available. We do not authorize anyone to make any warranty on our behalf and You should not rely on any such statement.

If you have a dispute with other parties, you release Gullak (and our affiliates and officers, directors, agents, and employees thereof) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

Finterscale Technology Private Limited
4th Floor, Building, 387, Koramangala 4th Block, Koramangala, Bengaluru, Karnataka 560034

Tel: +91 - 80486 41973
Email: support@gullak.money