Updated 9-April-2025
These terms and conditions (“Terms”) govern access to and use of the Upmint application and website (“Platform”) and the Services. By using the Platform, you agree to be bound by these Terms, which include our Privacy Policy (www.upmintaa.com/privacy) and any other guidelines or terms issued by us.
These Terms constitute a legal contract between Upmint Solutions Account Aggregation Solutions Pvt. Limited (“Company”, “we”, “Upmint”, or “us”) and users of the Services, including Financial Information Providers (FIPs) and Financial Information Users (FIUs) using our Sandbox environment (“you”, “your”). Upmint is an RBI-licensed Account Aggregator under a Certificate of Registration dated 06 Mar 2020, under section 45 IA of the RBI Act, 1934.
By accessing or using our Platform, Services, or Sandbox, you confirm that you:
If you do not agree to these Terms, please do not use the Platform or Services.
Refer to clause for definitions including: AA Master Directions, Customer, Financial Information, Financial Information Provider, Financial Information User, Financial Sector Regulator, Personal Information, RBI, Sandbox.
You shall not:
(a) All rights, title, and interest in and to the Platform, Services, and the Sandbox, including all intellectual property rights, are owned by or licensed to us. You are granted a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use these in accordance with these Terms.
(b) By submitting Feedback, you assign all rights in the Feedback to us. We may use it freely.
(c) No rights or licenses are granted beyond what is stated in these Terms.
(a) These Terms remain effective unless terminated under the terms herein.
(b) We may terminate your access at our discretion if you breach any of these Terms.
(c) Upon termination, your Profile will expire and Services will time-out. Some clauses will survive termination.
(a) We do not guarantee the accuracy or reliability of Financial Information.
(b) Services are provided "as is" without warranties of any kind.
(c) No advice from us creates a warranty unless explicitly stated.
(d) You accept full responsibility for your use of the Services.
(e) Some information may be under processing and not reflect in real-time.
(f) We disclaim liability for various service failures or external factors.
(g) Our total liability is limited to INR 10,000.
(h) The Sandbox is for evaluation purposes only.
You agree to indemnify and hold us and our affiliates harmless from any claims arising from your use of the Platform or breach of these Terms.
(a) These Terms are governed by Indian law; courts in Pune have exclusive jurisdiction.
(b) Disputes will be resolved by arbitration in Pune under the Arbitration and Conciliation Act, 1996.
(c) Arbitration proceedings are confidential.
(d) Each party bears its own dispute-related costs. You may also use Online Dispute Resolution (ODR).
(a) Raise grievances via the Grievance option on our website.
(b) We aim to resolve complaints within 30 days.
(c) Unresolved complaints may be escalated to the RBI's Mumbai office.
(a) We may modify these Terms; continued use implies acceptance.
(b) If a clause is unenforceable, the remainder remains effective.
(c) You may not assign rights without our written consent; we may assign freely.
(d) Notices should be sent to info@cookiejar.co.in
(e) No third-party rights are created.
(f) We are not liable for Force Majeure events.
(g) Translations are for convenience only; English version prevails.
You shall not interfere with or disrupt Platform access or attempt unauthorized access through hacking or other illegitimate means.
For support, please contact us at support@upmint.in