This Document sets forth the terms and conditions that apply to the access and use of the website- stablemoney.in and its Mobile Application Stable Money (collectively be referred to as Platform or site). This Platform is an internet-based asset ownership portal providing technology solutions for access to various financial products and alternative investment opportunities ("Services"), owned and operated by Stable-Alpha Technologies Private Limited, a company within the meaning of the Companies Act, 2013
(CIN: U74999KA2022PTC167343) having Registered Office at Alpine A103, Salarpuria Greenage, Hosur Road, Bommanahalli, Bangalore KA 560068 (hereinafter collectively be referred to as "the Company" or "Stable-Alpha"). (hereinafter, referred to as "we", "us", "our" and "Stable Money")
This document is an electronic record in terms of the Information Technology Act, 2000 and generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries guidelines) 2011, which provides for due diligence to be exercised for the access or usage of the Platform.
All our Services are subject to applicable laws, government notifications, the rules, regulations and guidelines issued by the Reserve Bank of India ("RBI"), the Securities and Exchange Board of India ("SEBI"), and any other regulatory bodies defining the rules/regulations governing the offer of any Services on the platform.
For the purpose of these User Terms (defined hereinafter), "you", "your" or "User" refers to any natural or legal person (whether a registered user or otherwise) who accesses the Platform, its contents and uses the Services offered by Stable Money on or through the Platform.
Your use of our Platform and its related platforms, services and tools is governed by the terms and conditions as contained in this agreement applicable to the Platform ("User Terms"). By using the Platform, you have impliedly agreed to and accepted these User Terms. If you do not agree or are not willing to be bound by the terms and conditions of these User Terms (and the rules and policies displayed on the Platform), please do not click on the "Accept" button and do not seek to obtain access to or otherwise use the Platform. As long as you comply with the provisions of these User Terms, we grant you a personal, non-exclusive, non-transferable, limited privilege to enter and use the platform. If you do not agree to these User Terms, you agree that your sole and exclusive remedy is to discontinue using the Platform. Your compliance with these User Terms is a condition to your right to access the Platform. Your breach of any provision of these User Terms will automatically, without the requirement of notice or other action, revoke and terminate your right to access the Platform.
You must be at least 18 (eighteen) years of age or older (in case you are an individual), have a sound mind and not be debarred by any law to contract in order to access and use the Platform. If you use the Platform or the Services on behalf of someone else including but not limited to, as a legal representative of another individual or an entity, you must be authorized by such individual or entity. Our Platform is accessible to children under the age of 18 (eighteen), however, Stable-Alpha strongly encourages parents and guardians to supervise the online activities of their minor children and consider using parental control tools. These tools also can prevent minors from disclosing their name, address, and other personally identifiable information online without parental permission.
The Platform and the offerings therein are intended only for registered Users who have completed the registration process and completed the KYC (Know-Your-Customer) requirements set out on the Platform. A User must agree to become a member of the Platform by providing "Registration Data" (as set out on the Platform) while registering on the Platform and accept these User Terms. Upon "Acceptance", these User Terms will be effective and binding upon you along with any amendments made by us at its sole discretion and posted on the Platform and you will not claim invalidity of these User Terms merely on the grounds that these are being concluded electronically. For the aforesaid purposes, "Acceptance" will mean your affirmative action in having clicked on the "Accept" button as provided on the registration page or any act which reflects your use of the Platform or the Services provided by the Platform or any such other actions that imply your acceptance.
Upon completion of the registration process, the User will be allocated a unique identification username ("User ID") to become a Registered User and the User may be required to enter either (i) a password set by you for your User ID; and/or (ii) a unique one-time password ("OTP") issued by Stable Money to the User for authentication of your User ID each time he/she/it intend(s) to use the Platform (together "Login Credentials"). You are solely responsible for the security of your Login Credentials and You will be responsible for all activities that occur under your User ID or account. Stable Money will consider all instructions placed with the use of your Login Credentials to have originated from you and will not be liable to any person for any loss or damage that may arise as a result of any failure by the User to protect their Login Credentials. You undertake to immediately notify Stable Money of any unauthorized use of your account or any other breach of security through the platform. You undertake not to sell or otherwise transfer your account/ User ID, or allow any third party to use or access your user account. Stable Money reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion.
You confirm and acknowledge that by registering on the Platform, you authorize and consent to Stable Money sending promotional and marketing content to you through emails, phone calls, short message service, WhatsApp messages or other electronic and non-electronic modes of communication, and no such communication shall be deemed to be in violation of law relating to unsolicited commercial communication.
By using this Platform, the User authorises Stable Money to fetch data about the investments made on the platform from counterparties like Banks, NBFCs, AMCs, Trustees, RTAs, Issuers, etc. By such authorisation, Stable-Alpha will have the right to receive data from such counterparties and disseminate the same to the User through its Platform or platform. Such data shall be held confidential by the User and shall be used only for his/her own decision-making. The data so shared does not represent the solicitation of an offer to buy or sell any assets or securities.
Please be aware that we reserve the right to revoke your access to the Stable Money Platform, subject to our reasonable discretion. In this regard, we may also choose to suspend your account or your access to the same As a registered User, in such an event, you may contact our support team to assist you/resolve the situation.
These User Terms govern your access and use of the Platform, which includes any images, text, illustrations, designs, icons, photographs, programs, music clips, downloads, systems and methods of trading, video clips, graphics, user interfaces, visual interfaces, information, data, tools, products, written materials, services and other content (together, "Content"), including but not limited to the design, structure, selection, coordination, expression and arrangement of the Content available on or through the Platform. Stable Money grants you a limited right to use the Platform. The User will not use the Platform in any way that is fraudulent or unlawful. Your right to use the Platform is subject to your agreement to abide by these User Terms in their entirety, as well as any other rules, procedures, policies, terms or conditions that govern all or any portion of the Platform. At any time and for any reason Stable Money may revoke your right to use all or any portion of the Platform. The Platform and the Content is not intended for distribution to or use by, any person or entity in any jurisdiction or country outside India.
You may not violate or attempt to violate the security of the Platform. Tampering with any portion of the Platform, providing untruthful or inaccurate information, misrepresenting your identity, or conducting fraudulent activities on the Platform, whether or not through the use of agents, are prohibited and constitute a breach of these User Terms. You are prohibited from violating or attempting to violate the security of the Platform.
You agree to, amongst others, not to (a) license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Platform; (b) access the Platform in order to build a similar or competitive service; (c) copy, reproduce, distribute, republish, download, displayed, poste or transmit in any form or by any means, any Content of the Platform (d) use the Platform in any way that causes, or may cause, damage to the Stable Money, the Platform, its Users or impair the availability or accessibility of the Platform in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity; (e) abuse, harass, impersonate, intimidate or threaten other Users; (f) post or transmit, or cause to be posted or transmitted, any content that is harmful, infringing, libellous, defamatory, abusive, offensive, obscene, pornographic, paedophilic, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or otherwise violates any applicable law or right of any third party; or that threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nations; (g) use the Platform for any unauthorized purpose, or in violation of any applicable law or these User Terms; (h) post or transmit, or cause to be posted or transmitted, any communication or solicitation designed or intended to obtain access to another User's account, or private information from any User; (i) infringe upon the IP Rights of Stable Money or any third party; (j) submit comments linking to affiliate programs, multi-level marketing schemes, platforms repurposing existing stories or off-topic content; (k) post, email, transmit, upload, or otherwise make available any material that contains software viruses or any other computer code, trojan horse or other code with malicious, disruptive and/or destructive features, files or programs designed or functioning to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment, including the Platform; (l) use any robot, spider, scraper, sniping software or other automated means to access the Platform for any purpose; (m) conduct any systematic or automated data collection activities on or in relation to the Platform (n) use the Platform or any Content any part of it to transmit or send unsolicited commercial communications, or for any other purposes related to marketing; (o) reverse engineer, frame, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software obtained from or part of the Platform; (p) disable, remove, defeat, or avoiding any security device or system, including, without limitation, any login functionality used to authenticate Users; (q) attempt to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (r) attempt to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Platform, overloading, "flooding," "spamming", "mailbombing" or "crashing" (s) remove any notices, warnings, labels, annotations or instructions from any portion of the Platform or any related material, including, without limitation, any patent, trademark, copyright, or other proprietary notices or license provisions; or (t) otherwise invading the privacy of, obtaining the identity of, or obtaining any personal information about any user of the Platform. Any violations of system or network security including attempts to intentionally access a computer without authorization or exceed your authorized access level may result in civil and criminal charges, including but not limited to charges under applicable laws. Stable Money may investigate occurrences that might involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. We may, without prior notice or warning of any kind, restrict or terminate the access of any and all users to the Platform if we reasonably conclude that such restriction or termination is necessary to prevent, or prevent the further spread, of a virus, security breach or system malfunction.
The Platform may contain certain links. Activating links on the Platform may cause the User to leave the Platform. Such links are provided solely for Users' convenience and information. Stable Money has not reviewed any of the platforms linked with or connected to the Platform and using links on or to the Platform is at each individual user's own risk.
The Platform makes available general third-party information such as product and service catalogues, advertisements including videos, images and photographs of various products and/or services and other data from external third-party sources including web-platform links ("Third Party Content"). The provision of Third-Party Content is for general informational or advertisement purposes only. You acknowledge that the Third-Party Content provided to You is obtained from sources believed to be reliable. Stable Money does not provide any guarantee with respect to any Third-Party Content and Stable Money shall not be held liable for any loss suffered by You based on Your reliance on or use of such data.
The User shall be responsible for identifying and paying all taxes, duties, cess and other fees and charges (and any penalties, interest, and other additions thereto) that are payable by the User with respect to the transactions through the Platform.
Stable Money will not be liable to pay any taxes which are payable by the User to any governmental authority for any such transaction.
Stable Money uses Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses first-party cookies to report on user interactions with our web-based services. These cookies store non-personally identifiable information. Google Analytics aggregates technical data (non-personally identifiable data relating to your usage of our platform) with data collected from other users. Stable Money uses this information to identify the most popular areas of the Services and how to best present and customise them.
For more information about how Google handles technical information, please visit the site, "How Google uses data when you use our partners' sites or apps", (located at: www.google.com/policies/privacy/partners ). Under no circumstances will your email, password, any personal financial data be collected by or shared with Google Analytics.
You may download or copy Content only to the extent such download is expressly permitted in writing on the Platform. No right, title or interest in any downloaded materials or software is transferred to you as a result of any such downloading or copying. You may not reproduce (except as noted above), publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of or exploit in any way, in whole or in part, any of the Content, the Platform or any related software. Nothing on the Platform will be interpreted as granting any license or right to use any image, trademark, trade dress, logo or service mark on the Platform. Anything transmitted to the Platform by you becomes Stable Money's property and may be used by us for any lawful purpose. Stable Money reserves all rights with respect to copyright and trademark ownership of all material on the Platform, and will enforce such rights to the full extent of the law. Unless otherwise noted, all Contents are copyrights, trademarks, trade dress and/or other intellectual property owned, controlled or licensed by Stable Money or by third parties who have licensed their materials to Stable Money and are protected by Indian and international copyright laws. The compilation of all Contents on the Platform is the exclusive property of Stable Money and is also protected by Indian and international copyright laws. The Platform, including all Information, is owned by or licensed to Stable Money and is subject to and protected by various intellectual property rights, including but not limited to copyright, trade secrets, trademarks, service marks, brand names and other proprietary rights whether under contract, statute or any similar provisions ("IP Rights"). All IP Rights are and will remain the exclusive property of Stable Money, its respective third-party licensors or third parties to whom it is attributed and in using the Platform individual users will not obtain any rights, title or other interest in or to any information on the Platform or related IP Rights. Subject to the above, individual users are entitled to view the Information on the Platform and to copy and print such information for personal use. Individual users are not permitted to sell or distribute or otherwise deal with the Information on the Platform or any deviations of such information without the prior written consent of Stable Money. The Platform uses different web analytics services and is compliant with their terms and conditions.
The Platform has been prepared solely for the purposes of information. The information available on the Platform is for the convenience of presentation and under no circumstances should the Platform be used or considered as an offer to sell or the invitation or solicitation of an offer to buy any asset listed on the Platform. Before making a decision with respect to purchasing any asset, Users are advised to carefully read the related final documentation. Further, Stable Money does not give or offer any business advice, investment advice, tax or legal advice to anyone using this Platform. Accordingly, Users are advised to consult with their tax, legal and financial advisors and carry out their own due diligence with respect to purchasing any asset. Nothing contained on the Platform must be relied upon as a promise or representation of past or future performance. The Platform may contain forward-looking statements. In some cases, you can identify forward-looking statements by terminology such as "may", "will", "should", "expects", "plans", "anticipates", "believes", "targeted", "projected", "underwritten", "estimates", "predicts", "potential", or "continue" or the negative of these terms or other comparable terminology. These forward-looking statements include, but are not limited to, statements concerning the company, property, risk factors, plans and projections. Forward-looking statements are subject to various risks and uncertainties. Accordingly, there are or will be important factors that could cause actual outcomes or results to differ materially from those indicated in these statements. None of Stable Money, the company, the issuer nor any other person or entity assumes responsibility for the accuracy and completeness of forward-looking statements. Users should conduct their own due diligence and not rely on the financial assumptions or estimates that are displayed on the Platform. Assets displayed on the Platform are not insured and are not guaranteed by Stable Money, and may lose value.
You will not dispute and /or hold Stable Money responsible for:
By using the platform, you expressly agree that such use is at your sole risk. The platform and related services are provided on an "as is", "as available" and "with all faults" basis. Neither Stable Money nor any of its respective officers, directors, employees, agents, third-party content providers, designers, contractors, distributors, merchants, sponsors, licensors or the like (collectively, "associates") warrant that use of the platform or related services will be uninterrupted or error-free. Neither Stable Money nor its associates warrant the accuracy, integrity, completeness, availability or timeliness of the content provided in the platform or the materials or services offered in the platform now or in the future. Stable Money and its associates specifically disclaim all warranties, whether expressed or implied, including but not limited to warranties of title, merchantability, fitness for a particular purpose or non-infringement of the platform, information on the platform or the results obtained from the use of the platform or related services. Stable Money and its associates accept no responsibility for updating any part of the platform or the content therein.
Under no circumstances will Stable Money or its associates be liable to you or anyone else for any direct, consequential, incidental, special, exemplary, punitive or other indirect damages, including but not limited to lost profits, trading losses, unauthorized access, systems failure, communications line failure, internet failure or damages that result from use or loss of use of the platform, content, inconvenience or delay. This is true even if Stable Money has been advised of the possibility of such damages or losses.
By using this Platform, you represent and warrant that:
When communicating with Stable Money through digital media, please:
Nothing contained in these User Terms is intended to modify or amend any other written agreement you may have with Stable Money or other Users of the Platform ("Other Agreements") if any, that may currently be in effect. In the event of any inconsistency between these User Terms and any Other Agreements, the Other Agreements will govern. Some pages within the Platform contain supplemental terms and conditions and additional disclosure and disclaimers, which are in addition to these User Terms. In the event of a conflict, the supplemental terms and conditions and additional disclosures and disclaimers will govern those sections or pages.
You agree to indemnify and hold harmless Stable Money, Stable-Alpha and (as applicable) its subsidiaries, affiliates, third parties and their respective shareholders, officers, directors, agents, and employees, from any losses, liabilities, damages, costs and expenses, claims or demand, or actions including reasonable attorneys' fees asserted against or incurred by Stable Money, made by any third party arising out of your breach or non-performance of terms of these User Terms, or the documents they incorporate by reference, or your violation of any law, rules or regulations or the rights of a third party.
Book a Fixed Deposit of Utkarsh Small Finance Bank or Shivalik Small Finance Bank for INR 5000 (Five Thousand) or more ('FD') during the offer Period and get an Amazon Voucher worth Rs. 200 ('Voucher').
Customers who have booked an FD of Utkarsh Small Finance Bank or Shivalik Small Finance Bank available on our platform and continue to hold the FD till maturity.
Terms and Conditions:
Thank you for participating in our Referral Rewards program (the "Program")! Please read these terms and conditions ("Terms") carefully before referring new customers to our company. By participating in the Program, you agree to comply with these Terms.
Referral Reward Criteria
Privacy and Data:
Thank you for participating in our Golden Ticket Club (the "Club")! Please read these terms and conditions ("Terms") carefully before entering the Club. By participating in the Club, you agree to comply with these Terms.
The offer starts on September 23, 2023, at 00:00:00 AM and ends on November 30, 2023, at 23:59:59 PM.
Benefits for the Club Members:-
Referral Reward Criteria
Privacy and Data:
Stable-Alpha Technologies Private Limited
Alpine A103, Salarpuria Greenage, Hosur Road, Bommanahalli, Bangalore-560068
In case of grievances for any of the services rendered by Stable-Alpha Technologies Private Limited, please write to email@example.com