Terms and Conditions

Last updated: February 19, 2025

Introduction

Paperstack Technologies Private Limited ("Harvest Money", "we", "our", "us") operates the website at https://www.harvestmoney.in (the "Site" or "Platform"). These Terms and Conditions govern your access and use of the Site and the services provided by Harvest Money. By accessing or using the Site, you agree to be bound by these Terms and Conditions and all applicable laws and regulations. If you do not agree with any part of these terms, please refrain from using the Site.

Use License

Permission is granted to temporarily download one copy of the materials (information or software) on the Site for personal, non-commercial, transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • Modify or copy the materials;
  • Use the materials for any commercial purpose or for any public display (commercial or non-commercial);
  • Attempt to decompile or reverse engineer any software contained on Harvest Money's Site;
  • Remove any copyright or other proprietary notations from the materials; or
  • Transfer the materials to another person or "mirror" the materials on any other server.

This license automatically terminates if you violate any of these restrictions and may be terminated at any time by Harvest Money. Upon termination, you must destroy any downloaded materials in your possession, whether in electronic or printed format.

Disclaimer

The materials on the Site are provided on an "as is" basis without warranties of any kind, either expressed or implied. Harvest Money disclaims all warranties, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement of intellectual property or other rights. Harvest Money does not warrant the accuracy, reliability, or completeness of the materials on the Site or the results obtained from using the materials.

Investment and Health Insurance Disclaimer

Investing in the unique investment products offered on Harvest Money—which combine fixed income assets such as fixed deposits, gold, and other instruments with health insurance—involves inherent risks. The content provided on this Site is not intended as financial, investment, or insurance advice. Harvest Money does not guarantee any specific outcomes, and users are strongly encouraged to consult with independent financial, investment, and insurance professionals before making any decisions. Past performance is not indicative of future results.

Limitations

In no event shall Harvest Money or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the Site—even if Harvest Money or an authorized representative has been notified of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of implied warranties or the limitation of liability for consequential or incidental damages; accordingly, some of the above limitations may not apply to you.

Accuracy of Materials

The materials appearing on the Site may include technical, typographical, or photographic errors. Harvest Money does not warrant that any of the materials on the Site are accurate, complete, or current. Harvest Money may make changes to the materials on the Site at any time without notice; however, it does not undertake any obligation to update the materials.

External Links

Harvest Money has not reviewed all of the sites linked to its Site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Harvest Money. Use of any linked website is at the user's own risk.

Modifications to the Terms and Conditions

Harvest Money reserves the right to revise these Terms and Conditions at any time without prior notice. By continuing to use the Site, you agree to be bound by the then-current version of these Terms and Conditions.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of Delhi, India. You irrevocably submit to the exclusive jurisdiction of the courts in Delhi for any dispute arising out of or relating to your use of the Site.

User Responsibilities and Account Security

Users are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under their account. You agree to immediately notify Harvest Money of any unauthorized use of your account or any other breach of security.

Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, icons, images, and software, is the property of Harvest Money or its content suppliers and is protected by applicable intellectual property laws. Unauthorized use of any such content may violate copyright, trademark, and other laws.

Investment and Health Insurance Services

Harvest Money serves as a platform connecting users with unique investment products that integrate fixed income assets and health insurance. Specific products and services, including their respective terms and conditions, may be subject to additional agreements provided by our partner institutions or insurers. It is your responsibility to review those additional terms before making any investment or insurance purchase.

Contact Information

If you have any questions regarding these Terms and Conditions, please contact us at support@harvestmoney.in

Forest landscape

Harvest Money is a financial services platform, not a bank or an insurance company. Banking and insurance services are provided by Harvest Money's partner(s). Fixed deposits are issued by Suryoday Small Finance Bank and the deposit amount is insured by RBI's subsidiary, DICGC up to ₹5 Lakhs. Group health insurance cover is provided by the Care Insurance, an IRDAI registered entity.

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