Terms & Conditions

Effective Date: 07 April 2025 (v1)

1. INTRODUCTION

Welcome to ArigaMoney India Private Limited (“Company”, “we”, “our”, or “us”), the owner and operator of the mobile application and platform “GoalSeek” (the “Platform”). These Terms and Conditions of Use (“Terms”) govern your (the “Customer” or “you”) access to and use of our website https://usegoalseek.com (“Website”), the Platform, mobile application(s), and related services provided by us, together with any materials made available by Company on or through the Platform or otherwise (collectively, the “Services”). These Terms shall constitute a binding legal contract between you and us to govern the use of the Services.

If you access, visit and/or use the Services, including the Platform and the Website, it is presumed and understood that you fully and unconditionally accept and are bound by these Terms. By accessing or using our Services, you agree to comply with and be bound by these Terms.

2. ELIGIBILITY

You must be at least 18 years of age or the age of majority in your jurisdiction to use our Services. By using the Services, you represent and warrant that you meet these requirements and that you are competent and eligible to enter into a legally binding agreement and have the requisite authority to bind the other party to this Agreement. You shall not use this Service if you are not competent to contract under the applicable Indian laws, rules and regulations.

If you are using and/or accessing the software as an employee, agent, or contractor of a corporation, partnership or similar entity, then you represent that you have the authority to bind such entity in order to accept the Terms.

You also hereby represent and warrant that you have gone through these Terms and hereby unconditionally agree and acknowledge to be bound by them.

3. SERVICES OVERVIEW

Our Services, whether made available through our GoalSeek mobile application or the Website or otherwise, shall include, but are not limited to:

Promoting, imparting and improving financial literacy and well-being among employees of the corporate sector in India and abroad;
Conducting training sessions, seminars, webinars, counselling, online classes, personal and group coaching, and consultancy, both online and in-person, directly and/or through third parties under relevant agreements;
Offering personal and group coaching, one-on-one consultancy, and telephonic consultations and training;
Developing, promoting, and delivering educational content, skill development programs, training materials, and related tools (including books, e-books, kits, and other learning aids);
Supporting and collaborating with public and private sector entities to foster learning opportunities and skill-building initiatives;
Acting as distributors, traders, importers/exporters, and publishers of educational products and literature;
Tools to set, manage, and track personal financial goals;
Access to curated financial products and investment tools;
Integration with third-party financial planning and execution services;
Communication, support, and advisory channels;
Additional value-added services introduced from time to time.

4. USER RESPONSIBILITIES

You agree to:

Use the Services only for lawful purposes.
Comply with all applicable laws, including those regulating privacy or data protection, and the collection, storage, use and disclosure of personal data while using and accessing the Website and/or the Services. You shall be responsible for ensuring that any personal financial information you share with us is accurate and used in compliance with applicable laws.
Not misuse or interfere with the Services or try to access them using a method other than the interface and the instructions that we provide.
Not reverse engineer, decompile, disassemble or otherwise attempt to discover the source code, object code or underlying structure, ideas, know-how or algorithms relevant to the Software or any documentation or data related to the Website and/or the Services.
Not modify, translate, or create derivative works based on the Services;
Not circumvent security or access control measures or remove any proprietary notices or labels.
Not interfere with the operation of the Services in any manner.
Provide accurate and complete information when registering or using our Services.
Receiving communications from the Company through electronic means, including email, SMS, calls or other such means in connection with its use and access to the Software.

Additionally, you may be required to create an account to access certain features of the Services. In this regard, you:

agree to provide to us complete and accurate registration information and time to time update the same, if required. If you provide any information that is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we shall have, in addition to all rights under law and in equity, the right to indefinitely suspend or terminate your access to the Services, with immediate effect and without giving any notice or without assigning any reason.
are responsible for maintaining the confidentiality of your account credentials (including but not limited account details and passwords) and for all activities that occur under your account, in a secure manner to avoid any unauthorized access thereto. You agree to:
- notify us immediately of any unauthorized use or breach of security; and
- provide all assistance as reasonably requested by Company in connection thereto.

If you are accessing the Services from outside India, you are responsible for compliance with all local laws. Our Services are controlled and operated from India.

5. INTELLECTUAL PROPERTY

All content on the Website, including but not limited to text, graphics, logos, images, educational materials, audio clips, digital downloads, data compilations, software, trade secrets, know-how, source code, object code, technical information, commercial and financial data, copyright, designs, inventions, patents, service marks, trademarks (in each case, whether registered or arising at common law, or its overseas equivalent) and all other industrial or intellectual property rights (whether registered or not) are the intellectual property of the Company or its content suppliers and is protected by intellectual property laws, shall mean all. The Company owns and retains other proprietary rights in the Services, including the Website and the Platform, which contain the copyrighted material, trademarks, and other proprietary information of the Company and its licensors. Except for that information which is in the public domain or for which you have been given permission, you shall not directly and/or indirectly copy, reproduce, modify, publish, transmit, distribute, perform, display, sell or create derivative works of any such information without our express written permission.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use our Services for personal, non-commercial purposes. You shall not download (other than page caching) or modify it or any portion of it, except with our express written consent. It is hereby clarified that this does not include any resale or commercial use of the Services or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the Services or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots or similar data gathering and extraction tools. The Services or any portion of the Services may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purposes. You shall not frame or utilise framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout or form) of the Company and our affiliates without our prior express written consent. You shall not use any Meta tags or any other “hidden text” utilising the Services' or our Website/Platform name or trademarks without our prior express written consent. Any unauthorised use terminates the permission or license granted by us for any purpose to you. You shall not directly and/or indirectly use any of the Company’s logo or other proprietary graphics or trademarks as part of the link/portal without our express written permission.

Additionally, you hereby undertake that you shall not, directly or indirectly: (a) reverse engineer, decompile, disassemble or otherwise attempt to discover the source code, object code or underlying structure, ideas, know-how or algorithms relevant to the Services or any documentation or data related to the Services; (b) modify, translate, or create derivative works based on the Services (except to the extent expressly permitted by Company); (c) use the Services for timesharing or service bureau purposes or otherwise for the benefit of a third party; or (d) remove any proprietary notices or labels from the Services.

6. PAYMENT TERMS

Certain Services may require payment. If any part of the Services is subject to payment:

You agree to pay all applicable fees, as may be invoiced by the Company, on a case-by-case basis.
You understand and agree that upon selecting some Services on the Platform or the Website, as the case may be, the user/you will be shown the applicable service fee prior to confirming your request. By proceeding with the Service, you agree to immediately pay the displayed fee using one of the available payment methods. Thereafter, a paid invoice will be sent to the user's registered email address upon successful completion of the payment.
You authorise us to charge the payment method you provide for applicable fees.
All fees are payable in advance.
All payments must be made through the authorised payment gateway provided, which may include international payment options depending on your location. Additional currency exchange or transaction fees may apply for users outside India.
All fees are final and non-refundable unless expressly stated or as required by applicable law.
Unpaid amounts are subject to immediate termination or suspension of the Services, at the discretion of the Company.

It is hereby clarified that the fees for the Services do not include any taxes, levies, duties, or similar governmental assessments of any nature, including, for example, goods and services tax, value-added, sales, use or withholding taxes, assessable by any jurisdiction whatsoever (collectively, “Taxes”). You shall be responsible for all Taxes associated with Services. If Company has the legal obligation to remit or collect Taxes for which you are responsible, Company will invoice the Taxes owing to you, and you shall pay them as per the terms set forth hereinabove.

7. THIRD-PARTY LINKS AND SERVICES

Our Services may contain links to or integrations with third-party websites or services, including financial platforms. We are not responsible for the content, policies, or practices of such third parties. Accessing such third-party services is at your own risk. You should exercise caution when engaging with third-party services and consult professional financial advisors where necessary.

8. USER CONTENT

You may be permitted to upload, submit, or share content (“User Content”). You retain ownership of any intellectual property rights that you hold in that content. However, by sharing User Content through our Services, you grant us a worldwide, royalty-free, non-exclusive license to use, host, store, reproduce, modify, and display such content for the purpose of providing our Services. Additionally, you are solely responsible for ensuring that the content does not contain any financial data or information that could violate data protection or privacy laws.

9. DISCLAIMERS

Our Services (including any content or information contained therein) are provided on an "as-is" and "as-available" basis, without warranties of any kind, whether express or implied.
Neither the Company nor its affiliates or licensors make any representation or warranty about the services, including any representation that the services will be uninterrupted or error-free. The Company may, from time to time, carry out scheduled maintenance or upgrades of the Services, which may result in temporary unavailability or reduced functionality of the Services. While the Company endeavours to provide prior notice of such maintenance where reasonably practicable, it is not obliged to do so. It is hereby clarified that the Company shall not be liable for any loss, damage, or inconvenience caused due to the unavailability of the Services during scheduled maintenance or due to unforeseen technical issues, including but not limited to server failure, software bugs, or internet outages.
The Customer hereby acknowledges and agrees that:

i. some of the Services rely on data provided by third-party financial institutions, including banks and account aggregators. The Company does not guarantee the accuracy, completeness, or timeliness of such data.

ii. access to the Services may be suspended temporarily and without notice in the case of system failure, maintenance, or repair or for reasons beyond the Company’s control.

iii. delays or inaccuracies may occur due to technical issues or other factors beyond the Company's control. The Company shall not be held responsible for any loss or inconvenience arising from such delays or inaccuracies.

To the fullest extent permitted by applicable law, the Company, its affiliates, and their respective licensors disclaim all warranties, whether express, implied, statutory or otherwise, including any suitability, reliability, availability, timeliness, quality, continuity, performance, lack of viruses or other harmful components and accuracy of the information, software, products, services and related graphics contained within the Services for any purpose, warranty of title, accuracy of data, non-infringement, merchantability, or fitness for a particular purpose. If any of these exclusions for implied warranties do not apply to the Customer or is void with respect to customer under any applicable laws or regulations, the respective warranties that cannot be excluded are limited to the shorter of (a) 90 days from the date of first purchase or first delivery of the services, and (b) the shortest period permitted by those laws and regulations.
We do not guarantee the accuracy, completeness, or usefulness of any information provided.
Users should seek professional advice specific to their financial situation before acting on any information provided through the Services.
Your use of the Services is at your own risk.
You specifically agree that the Company shall not be responsible for unauthorised access to or alteration of your transmission or data, any material or data sent or received or not sent or received, or any transactions entered into through our Services.

10. INDEMNIFICATION

You irrevocably agree to indemnify, defend, and hold harmless the Company and its affiliates, directors, officers, employees, and agents arising out of or in connection with your use of the Services or violation of these Terms, from and against any and all claims, damages, liabilities, fines, penalties, settlements, reasonable attorneys’ fees, costs, and expenses of any kind incurred by Company and/or its affiliates. The Company may participate in the defence and/or settlement of a Claim Against the Company with counsel of its choosing at its own expense.

11. LIMITATION OF LIABILITY

To the fullest extent permitted by law and/or under equity, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of, or inability to use, the Services or for any loss or damage the reasons of which are attributable to the Customer, including any financial decisions made based on the information provided. We do not accept liability for any financial losses resulting from reliance on the Services. In any event, the Company’s aggregate liability arising out of or related to these Terms and in providing the Services (whether in contract or under any other theory of liability) shall not exceed the total amount paid by Customer hereunder in the period of billing, preceding the last event giving rise to the liability.

12. MODIFICATIONS

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon our update or posting. You should regularly review the Terms, and you are expected to do so at regular intervals. In the event, the modified Terms are not acceptable to you; you should discontinue using the Services. However, your continued use of the Services after changes are posted constitutes your irrevocable and unconditional acceptance of the revised Terms.

13. CONFIDENTIALITY

EEach Party (the “Receiving Party”) understands that the other Party (the “Disclosing Party”) has disclosed or may disclose business, technical or financial information relating to the Disclosing Party’s business that is marked as confidential or proprietary at the time of disclosure or that reasonably should be considered confidential or proprietary based on the nature of the information and the circumstances surrounding the disclosure (hereinafter referred to as “Proprietary Information” of the Disclosing Party). Proprietary Information of Company includes (i) information regarding features, functionality and performance of the Software; and (ii) information provided by Company to Customer pursuant to these Terms and the Order Form. Proprietary Information of Customer includes Customer Data and non-public data provided by Customer to Company to enable the provision of the Software. “Customer Data” means the data submitted by Customer or its authorised users to the Software and any reports and other content produced by Customer or its authorised users using the Software (but excluding any Company IP embodied in such reports and content). The Receiving Party agrees: (i) to take reasonable precautions to protect such Proprietary Information of the Disclosing Party, and (ii) not to use (except in performance of the obligations contemplated herein or as otherwise permitted herein) or divulge to any third person any such Proprietary Information of the Disclosing Party other than the Receiving Party’s employees, representatives, and agents with a need to have access for the purposes of these Terms and who are bound to written or statutory duties of confidentiality at least as onerous as these Terms. The Disclosing Party agrees that the foregoing shall not apply with respect to any information that the Receiving Party can document (a) is or becomes generally available to the public other than by a breach of these Terms, or (b) was in its possession or was known by it, prior to receipt from the Disclosing Party, or (c) was rightfully disclosed to it without restriction by a third party, or (d) was independently developed without use of any Proprietary Information of the Disclosing Party, or (e) is required to be disclosed by law or court order, provided that the Party which is required by law to disclose such information shall beforehand notify the other Party of any such requirement, to the extent legally permitted, and consult with the other Party regarding the manner of such disclosure.

Notwithstanding anything to the contrary, Company shall have the right to access, collect, use, process, store, and analyze meta data and other information relating to the provision, use and performance of various aspects of the Software and related systems and technologies, and Company will be free (during and after the term hereof) to use such information and data to (i) improve and enhance the Software and for other development, diagnostic and corrective purposes in connection with the provision of the Software; and (ii) produce data, information or other materials that cannot be identified as relating to a particular individual or company (such data, information and materials, the “Anonymized Data”). The Company may use, process, store, disclose and transmit the Anonymised Data for any purpose and without restriction or obligation to the Customer of any kind, provided that the said Anonymised Data is not reasonably capable of being linked in any way with the Customer.

The Receiving Party shall, upon the Disclosing Party’s written request, securely destroy or return all of the Disclosing Party’s Proprietary Information (including copies thereof) in the Receiving Party’s custody or control.

It is hereby clarified that Customer shall retain all ownership and intellectual property rights in and to Customer Data. Customer hereby grants to Company and its affiliates a non-exclusive, transferable, sub-licensable, royalty-free license to use, copy, transmit, modify, distribute, publish, display, process, and host the Customer Data: (a) to provide the Services to Customer, (b) in accordance with Company’s privacy policy, and (c) to operate, improve, expand, and modify Company’s Services. Customer represents and warrants that it has obtained all necessary rights and consents to (i) provide, store, transmit, or otherwise process the Customer Data in or through the Software and (ii) grant Company and its affiliates the licenses and rights to use the Customer Data in accordance with these Terms. Customer is solely responsible for the accuracy, quality, integrity, and legality of the Customer Data, the means by which Customer acquired the Customer Data, and Customer’s use of Customer Data with the Services.

14. TERMINATION

We reserve the right, at our sole discretion, to suspend or terminate your access to the Services at any time, for any reason, without notice or liability. In case of any termination, the Customer will continue to be liable to pay in full for the Services up to and including the last day on which the Services are provided. All sections of these Terms, which by their nature should survive termination or expiration of Services, will survive termination or expiration, including, without limitation, accrued rights to payment, confidentiality obligations, ownership of intellectual property rights, Company’s right to use feedback, warranty disclaimers, indemnification obligations, and limitations of liability.

In the event of termination or expiry of the Services, as the case may be, (a) Company shall cease and revoke all licenses/works/developments/Services in respect of the Customer; (b) Customer shall immediately stop using the Services; and (c) Customer will not be relieved of its payment obligations to Company and outstanding payments will be due and payable immediately on expiration or termination.

15. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms are governed by the laws of India, and the use of the Website, Platform and the Services by you shall be subject to these Terms and all applicable laws and regulations thereto. In the event of any disputes, controversy, or claim arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination (“Dispute”), the Parties shall first attempt to resolve the Dispute amicably through good faith negotiations.

If the Dispute cannot be resolved within 30 (thirty) days of such negotiations, it shall be referred to and finally resolved by arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 1996, as amended from time to time. The arbitration shall be conducted by a sole arbitrator jointly appointed by the Parties. If the Parties are unable to agree on the appointment of an arbitrator within 15 (fifteen) days, the arbitrator shall be appointed in accordance with the said Act. The seat and venue of arbitration shall be Delhi, India, and the language of the arbitration shall be English.

Subject to the foregoing, the courts at Delhi, India, shall have exclusive jurisdiction over all Disputes arising out of or in connection with these Terms.

16. MISCELLANEOUS

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect and enforceable.
These Terms are not assignable, transferable or sub-licensable by Customer except with Company’s prior written consent. The Company may transfer and assign any of its rights and obligations under these Terms without consent.
These Terms are the complete and exclusive statement of the mutual understanding of the Parties and supersede and cancel all previous written and oral agreements, communications and other understandings relating to the subject matter of these Terms, and that all waivers and modifications must be in writing signed by both Parties, except as otherwise provided herein.
No agency, partnership, joint venture, or employment is created as a result of these Terms, and the Customer does not have any authority of any kind to bind Company in any respect whatsoever. In any action or proceeding to enforce rights under these Terms, the prevailing Party will be entitled to recover its reasonable costs and attorneys’ fees.
Each Party acknowledges and agrees that the other may suffer irreparable damage in the event of a breach or threatened breach by the other Party of any provision of these Terms pertaining to the protection of a Party’s intellectual property rights or Proprietary Information. Accordingly, either Party shall have the right, in addition to any other rights each of them may have, to seek in any court of competent jurisdiction, temporary, preliminary, and/or permanent injunctive relief to restrain any breach or threatened breach of such provisions.

17. CONTACT INFORMATION

If you have any questions or concerns about these Terms, you may initiate a helpdesk ticket by sending by contacting us at:

ArigaMoney India Private Limited

Ward No. 03, H.No. 11, Cantt., Bareilly, UP, India, 243001

Email: support@goalseek.co.in

Phone: +91 888 2855 766