top of page
Ellipse 2111.png
Get it on Google Play Store
Get it on App Store

Terms & Conditions

Effective Date: 21 May 2026 (v2)


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 access to and use of our website https://usegoalseek.com ("Website"), the Platform, mobile application(s), and related services (collectively, the "Services"). These Terms constitute a binding legal contract between you and us.

 

These Terms should be read together with our Privacy Policy, available at https://www.usegoalseek.com/policy-pages/privacy-policy. By accessing or using our Services, you fully and unconditionally accept and agree to be bound by these Terms. If you do not agree, please do not use our Services.

 

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 confirm that you meet these requirements and are legally capable of entering into a binding agreement.

 

If you are using the Services as an employee, agent, or contractor of a corporation or similar entity, you represent that you have the authority to bind that entity to these Terms.

 

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

 

3. Services Overview

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

 

  • Financial literacy and wellbeing programs for corporate employees in India and abroad

  • Workshops, webinars, seminars, and one-on-one and group coaching sessions (online and in-person)

  • Educational content, skill development programs, and related learning materials

  • Tools to set, manage, and track personal financial goals

  • Read-only access to your financial account data via the RBI-regulated Account Aggregator framework

  • Integration with third-party financial services (with your explicit consent)

  • 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 governing privacy, data protection, and the handling of personal financial information

  • Provide accurate and complete information when registering or using our Services

  • Not misuse or attempt to interfere with the Services, or access them using methods other than those we provide

  • Not reverse engineer, decompile, or attempt to discover the source code or underlying structure of 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

  • Not upload or transmit any content that is obscene, pornographic, unlawful, harmful to minors, threatening, or that violates the rights of any third party, or that is otherwise in violation of the Information Technology Act, 2000 and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021

  • Not upload or transmit content that threatens the unity, integrity, defence, security, or sovereignty of India, or that incites violence or hatred

  • Receive service-related communications from us through email, SMS, calls, or other electronic means


Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorised use or security breach, and to provide all reasonable assistance we request in connection with it.

 

Communications Consent

By registering on our platform and providing your contact details, you consent to receiving communications from us through email, SMS, WhatsApp, telephone, or other electronic means in connection with your use of the Services. You acknowledge that this consent applies notwithstanding any registration on the Do Not Disturb (DND) or National Customer Preference Register (NCPR) list under applicable TRAI regulations. You may withdraw this consent at any time by contacting us, after which we will only send you essential service communications required by law or contract.

 

5. Intellectual Property

All content on the Website and Platform, including text, graphics, logos, images, educational materials, audio, software, trademarks, and other intellectual property, is owned by the Company or its licensors and is protected under applicable intellectual property laws.

 

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use our Services for personal, non-commercial purposes only. You may not reproduce, duplicate, copy, sell, resell, or commercially exploit any part of the Services without our express written permission.

 

Any unauthorised use immediately terminates the licence granted to you.

 

6. Payment Terms

Certain Services may require payment. Where applicable:

  • You agree to pay all applicable fees as invoiced by the Company

  • The applicable fee will be displayed before you confirm your request; by proceeding, you agree to pay that fee

  • All fees are payable in advance through our authorised payment gateway

  • A paid invoice may be sent to your registered email address upon successful payment

  • Fees do not include applicable taxes (such as GST), which are your responsibility

  • Unpaid amounts will result in termination of your access to the Paid Services


Refund Policy - Subscriptions

Individual subscription fees are collected directly by Apple (App Store) or Google (Play Store). GoalSeek does not have access to your payment information and cannot process refunds for app store purchases. To request a refund for a subscription, please contact Apple or Google directly:

Refunds from Apple or Google are subject to their respective refund policies, which GoalSeek has no control over.


Refund Policy - Advisory Calls

Payments made directly through the GoalSeek platform for one-on-one advisory calls are processed by the Company. The following terms apply:

  • Payments are non-refundable once a call has been completed.

  • If you cancel a scheduled call at least 24 hours in advance, you will receive a full refund within 5-7 business days.

  • If you cancel less than 24 hours before a scheduled call, no refund will be issued. We will make reasonable efforts to reschedule the call at your convenience.

  • If the call cannot take place due to a technical failure on our end, you will receive a full refund within 5-7 business days.

To request a refund for an advisory call, contact us at support@goalseek.co.in within 14 days of the issue.


Statutory Rights

Nothing in these Terms limits any refund rights you may have under applicable Indian consumer protection laws, including the Consumer Protection Act, 2019.


Corporate and Enterprise Programs

Corporate and enterprise program fees are governed by the terms of the applicable commercial agreement between the Company and the corporate client.


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 any such third parties. Accessing third-party services is at your own risk.

 

Any third-party integrations within the GoalSeek platform will only be activated with your explicit prior consent. You should review the privacy policy and terms of any third-party service before use.

 

8. Your Documents and Data

You may upload documents and files to the GoalSeek Vault ("Your Documents") for your own personal financial reference and organisation, for example, insurance policies, tax documents, wills, investment statements, and similar financial records.

 

We do not access, view, use, or share Your Documents for any purpose other than storing them securely and displaying them back to you within the app. Your Documents are yours alone. We will never use your uploaded documents to train models, improve our Services, or share them with any third party.

 

You are solely responsible for the content you upload. The Vault is intended for personal financial documents only. By uploading any content, you confirm it is lawful and does not infringe the rights of any third party.

 

9. No Financial Advice - Important Notice

The GoalSeek platform provides financial education, wellness tools, and information to help you understand and organise your financial life. Nothing on the app, including tools, calculators, content, workshops, reports, or any automated output, constitutes personalised financial advice.

 

No part of the app should be relied upon as a recommendation to buy, sell, or hold any specific financial product, security, or investment.

 

If you wish to receive personalised financial advice, you must engage with ArigaMoney India Private Limited separately and explicitly in its capacity as a SEBI Registered Investment Adviser (RIA No. INA000020776). Such advice is governed by a separate advisory agreement and SEBI regulations, and is entirely distinct from your use of the GoalSeek platform.

 

When in doubt, please consult a qualified financial professional before making any financial decision.

 

10. Disclaimers

Our Services are provided on an "as-is" and "as-available" basis, without warranties of any kind, whether express or implied.

 

You specifically acknowledge that:

 

  • The platform provides a read-only view of your financial data fetched through the Account Aggregator framework. We do not guarantee the accuracy, completeness, or timeliness of such data, which is sourced from third-party financial institutions.

  • Access to the Services may be temporarily suspended without notice in the case of system failure, maintenance, or events beyond our control.

  • The information provided through the Services is for general financial wellbeing and educational purposes only. It does not constitute regulated financial advice. You should seek professional advice specific to your financial situation before making any financial decisions.

 

To the fullest extent permitted by applicable law, the Company and its affiliates disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

 

11. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its affiliates, directors, officers, employees, and agents from and against any claims, damages, liabilities, fines, penalties, and reasonable legal costs arising out of or in connection with: (a) your breach of these Terms; (b) your violation of any applicable law or third-party rights; or (c) any content you upload or submit through the Services that causes harm to a third party.

 

This indemnification obligation does not apply to claims arising from the Company's own negligence or wilful misconduct.

 

12. Limitation of Liability

To the fullest extent permitted by law, 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, including any financial decisions made based on information provided through the Services.

 

The Company's total aggregate liability arising out of or in relation to these Terms shall not exceed the total fees received from you during the three month period immediately preceding the date of the claim, or Indian Rupees One Thousand (₹1,000), whichever is lower.

 

13. Modifications to These Terms

We reserve the right to modify these Terms at any time. For material changes, we will notify you via email or in-app notice at least 14 days before the changes take effect.

 

Your continued use of the Services after the effective date of changes constitutes your acceptance of the revised Terms. If the revised Terms are not acceptable to you, please stop using the Services before the effective date.

 

14. Confidentiality and Data Use

Each party ("Receiving Party") agrees to protect the other party's ("Disclosing Party") confidential or proprietary information ("Proprietary Information") using reasonable precautions, and not to use or disclose it to any third party except as necessary to perform obligations under these Terms, or as required by law.

 

Customer Data

"Customer Data" means data submitted by you or your authorised users to the Services. You retain full ownership of your Customer Data.

 

You grant the Company a limited, non-exclusive licence to use your Customer Data solely to: (a) provide the Services to you; and (b) operate and improve the Services, in accordance with our Privacy Policy. We will not use your Customer Data to train models for third parties, sell it, or share it with third parties for commercial purposes.

 

Anonymised Data

We may generate anonymised, aggregated data derived from usage of the Services that cannot reasonably be linked to you or any individual. We may use this Anonymised Data freely to improve our Services and for research purposes.

 

Upon your written request, we will securely delete or return your Proprietary Information in our possession, subject to our retention obligations described in our Privacy Policy.

 

15. Termination

We reserve the right to suspend or terminate your access to the Services at any time. Where termination is not due to your breach or fraud, we will provide reasonable advance notice where practicable. In the event of termination:

 

  • You will remain liable for all amounts due up to and including the last day the Services were provided

  • You must immediately stop using the Services

  • All licences granted to you under these Terms will immediately cease

  • Your data will be retained and deleted in accordance with the retention schedule in our Privacy Policy

 

Provisions that by their nature should survive termination, including payment obligations, confidentiality, intellectual property rights, indemnification, and limitations of liability, will continue to apply after termination.

 

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of India. In the event of any dispute, the parties will first attempt to resolve it through good-faith negotiations within 30 days.

 

If the dispute cannot be resolved within 30 days, it will be referred to arbitration under the Arbitration and Conciliation Act, 1996, as amended. Arbitration will be conducted by a sole arbitrator jointly appointed by the parties, with the seat and venue in Delhi, India, and proceedings in English.

 

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

 

17. Miscellaneous

  • Severability: If any provision of these Terms is found to be unenforceable, it will be limited to the minimum extent necessary, and the remaining Terms will continue in full force.

  • Assignment: Your account and rights under these Terms are personal to you and non-transferable. In the event of a merger, acquisition, or sale of the business, we may transfer our rights and obligations to the successor entity. We will give you at least 30 days written notice before any such transfer, during which time you may delete your account and data if you choose not to continue.

  • Entire Agreement: These Terms, together with our Privacy Policy, constitute the complete and exclusive agreement between the parties on this subject matter and supersede all prior agreements and understandings.

  • No Partnership: Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and the Company.

  • Injunctive Relief: Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect intellectual property or confidential information without the need for arbitration.

  • Waiver: The failure to exercise or delay in exercising any right or remedy under these Terms will not constitute a waiver of that right or remedy.

 

18. Contact and Grievance Officer

If you have any questions, concerns, or complaints about these Terms or our Services, please contact us at:

 

 

We will acknowledge all complaints within 48 hours and aim to resolve them within 30 days, in compliance with applicable law.


bottom of page