Here’s a Terms of Service (ToS) draft tailored for SmartFinanceLinkPlus, keeping in mind a typical digital banking/financial platform operating under Indian regulations and possibly tied to RBL Bank. This is a foundational version. You should consult legal counsel to finalize it for compliance.

Terms of Service

Last Updated: 11-06-2025(7:45am)
Welcome to SmartFinanceLinkPlus ("Platform", "we", "our", "us"). By accessing or using our digital platform or services, you ("User", "you", "your") agree to comply with and be bound by the following Terms of Service.

1. Eligibility

You must be at least 18 years of age and capable of forming a legally binding contract under Indian law. By using SmartFinanceLinkPlus, you confirm that you meet these criteria.

2. Services Offered

SmartFinanceLinkPlus provides digital financial solutions including but not limited to:
Online and offline banking services
Fund transfers and withdrawals
Account management tools
Financial insights and alerts
Customer support and advisory services
All services are subject to change, suspension, or termination at our discretion.

3. Account Usage

• You are responsible for maintaining the confidentiality of your login credentials.

• You agree not to share access with unauthorized persons.

• All transactions under your account will be deemed to have been authorized by you.

• You agree to notify us immediately in case of unauthorized use.

4. Compliance and KYC

You agree to comply with all applicable laws and regulations, including RBI guidelines and Know Your Customer (KYC) norms. We may suspend or terminate services for non-compliance.

5. Fees and Charges

Applicable fees, transaction charges, and taxes (if any) will be disclosed to you and may be updated from time to time. By continuing to use our services, you accept the latest fee structure.

6. Privacy

Our Privacy Policy outlines how we collect, use, and protect your data. By using the platform, you consent to our data handling practices.

7. Third-Party Services

Some services may rely on third-party providers (e.g., RBL Bank, payment gateways). We are not liable for any loss or damage arising due to third-party service disruptions.

8. Prohibited Activities

You agree not to:

• Engage in fraudulent, illegal, or unethical activities

• Misuse or tamper with the platform

• Use bots or automated systems without authorization

• Violate any applicable banking or cyber laws

9. Intellectual Property

All content, logos, designs, and software on the platform are the intellectual property of SmartFinanceLinkPlus or its licensors. You may not copy, modify, or distribute without permission.

10. Limitation of Liability

SmartFinanceLinkPlus shall not be held liable for:

• Indirect or consequential damages

• Loss of data or profits

• Service delays or interruptions

• Unauthorized access or misuse of your account

11. Indemnity

You agree to indemnify and hold SmartFinanceLinkPlus, its affiliates, employees, and partners harmless against any claims, damages, or liabilities arising from your use of the platform or breach of these Terms.

12. Termination

We reserve the right to suspend or terminate your access at any time, with or without notice, if we believe you have violated these Terms or applicable laws.

13. Dispute Resolution

All disputes shall be governed by Indian law and subject to the exclusive jurisdiction of the courts of [Insert City, e.g., Mumbai].

14. Modifications to Terms

We may update these Terms periodically. Continued use of the platform after such updates constitutes your acceptance.

15. Contact Us

For any queries or grievances, contact our support team:
📧 Email: smartfinancelinkplus@gmail.com
📞 Helpline: 9445357261