These Terms of Service (“Terms”) form a binding agreement between you (“you”, “User”) and PayVizio Technologies Private Limited operating the WealthVizio service (“WealthVizio”, “we”, “us”, “our”), accessible at https://wealthvizio.com and any associated web or mobile applications (collectively, the “Service”). By creating an account, signing in, or otherwise using the Service, you confirm that you have read, understood and agreed to be bound by these Terms and our Privacy Policy and Disclaimer. If you do not agree, you must not use the Service.
1. Eligibility
- You must be at least 18 years old and competent to enter into a contract under the Indian Contract Act, 1872.
- You must provide accurate, current and complete information when registering, and keep it updated.
- If you are using the Service on behalf of an organization, you confirm you have authority to bind that organization to these Terms.
- The Service is currently designed for the Indian personal-finance context; it is not intended for users residing in jurisdictions where its content would be unlawful or restricted.
2. Nature of the Service
WealthVizio provides an educational personal-finance platform that includes calculators (SIP, EMI, FD, PPF, retirement, tax, and others), a budget planner, a wealth-score tool, market and news dashboards, comparison guides and an AI-powered chat assistant (“Vizo” or “AI Advisor”).
- Not investment advice. WealthVizio is not a SEBI-registered Investment Adviser, stockbroker, mutual-fund distributor or research analyst. Nothing on the Service constitutes a recommendation to buy, sell or hold any security, mutual fund, insurance product or other financial instrument.
- Not legal or tax advice. Calculator outputs and AI responses are informational projections only — they are not substitutes for advice from a Chartered Accountant, licensed tax practitioner, or qualified legal counsel.
- No fiduciary relationship. Using the Service does not create an adviser–client, fiduciary, broker–client or any similar relationship between you and us.
3. Accounts and security
- You may sign in using a mobile number with a one-time password (OTP) or such other methods we enable from time to time.
- You are responsible for safeguarding your credentials and for every action taken under your account, whether or not authorized by you.
- Notify us immediately at info@payvizio.com of any actual or suspected unauthorized use.
- We may suspend or terminate accounts that violate these Terms, applicable law, or that pose security or abuse risks.
4. Subscription plans and billing
4.1 Free plan
The Free plan provides access to all calculators and core tools at no cost. The AI Advisor is not included in the Free plan and requires an active Premium subscription.
4.2 Premium plan
- The Premium plan is offered at ₹200 per month (or the equivalent USD amount displayed at checkout, currently $2.49 / month) and is billed via PayPal.
- The subscription auto-renews every month on the same calendar date until you cancel. Renewal charges are applied automatically through your PayPal billing agreement.
- Taxes (including GST) are inclusive in the displayed Indian-rupee price unless stated otherwise.
- Currency conversion to USD is performed by PayPal at its prevailing rate. WealthVizio is not responsible for forex spread, foreign-bank fees or markup.
4.3 Cancellation
- You can cancel anytime from your dashboard or from your PayPal account. Cancellation stops future renewals; it does not pro-rate or refund the current billing cycle.
- You will retain Premium access until the end of the billing period for which you have paid.
4.4 Refunds
- 7-day first-month refund. First-time Premium subscribers may request a full refund within 7 days of the initial charge by writing to info@payvizio.com.
- Renewal charges, partial months, and second-or-later signups are non-refundable except where required by law.
- Refunds are issued to the original payment method via PayPal and may take 5–10 business days to reflect.
4.5 Price changes
We may change subscription pricing with at least 30 days’ prior notice sent to your registered email or shown in-app. The new price will apply at your next renewal; you may cancel before then if you do not accept the change.
5. Acceptable use
You agree not to:
- Reverse engineer, decompile, scrape, crawl or otherwise extract source code, data or models from the Service except as permitted by law.
- Use the Service to build a competing product, train a machine-learning model, or republish our content in bulk.
- Attempt to bypass authentication, rate limits, paywalls or security controls.
- Upload, transmit or generate content that is unlawful, defamatory, infringing, fraudulent, sexually explicit, hateful or that solicits regulated investment advice as if from a licensed adviser.
- Use the AI Advisor to facilitate money laundering, tax evasion, market manipulation, insider trading or any other unlawful activity.
- Resell, sublicense, or share your account credentials with another person.
- Probe, scan or test the vulnerability of our systems without prior written consent.
6. AI Advisor specifics
- The AI Advisor uses third-party large-language-model (LLM) providers. Outputs are generated probabilistically and may be inaccurate, incomplete, or out of date.
- You must independently verify any number, regulation, tax rule, rate, fund detail, or product claim that the AI Advisor produces before acting on it.
- To improve quality and safety, we may store the content of conversations against your account. Anonymized excerpts may be used to evaluate and improve the Service. See the Privacy Policy for details and opt-out instructions.
- Use of the AI Advisor is subject to rate limits and may be temporarily restricted to prevent abuse.
7. Calculator outputs and projections
Calculators implement standard formulas (e.g., compound interest, EMI amortization, PPF, FD, retirement corpus) using assumptions that you provide. Future returns are illustrative projections, not guarantees. Mutual funds, equities and other market-linked instruments are subject to market risk. Past performance does not indicate future performance.
8. Third-party content and links
The Service may include market data feeds, news headlines, regulator references and links to third-party websites or products. We do not control, endorse or guarantee such third-party content; using it is at your own risk and subject to that third party’s terms.
9. Intellectual property
- The Service, including its software, design, calculator logic, AI prompts, learning content, brand and trade marks, is owned by us or our licensors and is protected under Indian and international copyright, trade-mark and trade-secret laws.
- We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use, subject to these Terms.
- Content you submit (calculator inputs, AI conversation messages, feedback) remains yours. You grant us a worldwide, royalty-free license to host, process and display that content solely to operate, secure and improve the Service.
10. Disclaimers
The Service is provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied or statutory, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, uninterrupted availability or freedom from errors.
11. Limitation of liability
To the maximum extent permitted by applicable law, WealthVizio, its directors, employees, contractors and partners shall not be liable for any indirect, incidental, special, punitive or consequential damages, including loss of profits, loss of investment, loss of data, loss of goodwill or business interruption, arising from or related to your use of the Service. Our aggregate liability for any direct damages arising under these Terms shall not exceed the fees paid by you to WealthVizio in the three (3) months immediately preceding the event giving rise to the claim, or ₹2,000 — whichever is lower.
12. Indemnity
You agree to indemnify and hold WealthVizio harmless from any claim, demand, loss, liability or expense (including reasonable legal fees) arising out of (a) your use of the Service, (b) your breach of these Terms or applicable law, or (c) your violation of any third-party right, including any intellectual-property or privacy right.
13. Suspension and termination
- You may terminate your account anytime by writing to info@payvizio.com.
- We may suspend or terminate your access immediately, with or without notice, for breach of these Terms, suspected fraud, payment failure, or risk to the Service or other users.
- Upon termination, your right to use the Service ends. Provisions that by their nature should survive termination (e.g., IP, disclaimers, liability, indemnity, dispute resolution) will continue to apply.
14. Changes to the Service or Terms
- We may add, change or remove features at any time. We will use commercially reasonable efforts to notify you of material changes.
- We may update these Terms from time to time. Material changes will be notified by email or in-app at least 14 days before they take effect. Your continued use after the effective date constitutes acceptance.
15. Governing law and dispute resolution
These Terms are governed by the laws of India, without regard to its conflict-of-laws rules. Subject to the next sentence, the courts at Bengaluru, Karnataka shall have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service. Either party may, before or instead of court proceedings, refer a dispute to arbitration by a sole arbitrator appointed by mutual consent, conducted in English at Bengaluru under the Arbitration and Conciliation Act, 1996.
16. Grievance officer
In compliance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, our Grievance Officer can be reached at:
- Name: WealthVizio Grievance Officer
- Email: info@payvizio.com
- Response time: Acknowledgement within 24 hours; resolution within 15 days.
17. Contact
Questions about these Terms? Write to info@payvizio.com or use the form on our Contact page.
