This Terms of Use Agreement (“Agreement“) is between Dimeable.io (“Company” or “we” or “us” or “our” or “Dimeable“) and you (including the legal guardian/parent of a minor) (“you” or “your” or “user“). This Agreement explains our obligations to you, and your obligations to us regarding your use of the Dimeable website (“Site“) for financial wellness services (“Services“). By using our Site, you agree to be bound by these Terms of Use, including our Privacy Policy and any other legal notices or guidelines posted on the Site. The Company reserves all rights to change, modify, update, or alter this Agreement at any point of time with or without notifying you. Your continued use of the Site constitutes acceptance of any updated terms. If you do not agree to these terms, please do not use this Site.

DEFINITIONS AND INTERPRETATION

In this Agreement, unless the context otherwise requires, the following expressions have the following meanings:

“Account” shall mean the personal profile created by you on the Site;

“Associate Sites” means and includes all other websites, platforms, and services owned and operated by the Company;

“Content” means and includes all information provided on the Site in any form including trademarks, graphics, functions, financial tools, calculators, educational materials and other content available on the Site, whether publicly posted or privately transmitted;

“Financial Data” shall mean any financial information you provide to the Site including but not limited to spending habits, income sources, savings goals, budget information, and transaction history;

“Information” shall mean any information you provide to the Site including your personal details, contact information, preferences, and Financial Data;

“Members” shall mean registered users of this Site who have created an account and can access the Services;

“Services” means all features provided on the Site including but not limited to financial education, budgeting tools, savings plans, spending analysis, financial goal setting, and other financial wellness services available on the Site.

In this Agreement: (a) headings are for convenience only and do not affect interpretation; (b) words in the singular include the plural; and (c) including means including but not limited to.

SCOPE AND REGISTRATION

If you choose to register as a Member on this Site, you shall be bound by this Agreement and the Agreement shall at all times be read together with our Privacy Policy. In the event of any conflict in the terms or interpretation, this Agreement shall prevail.

The Company reserves the right, in its sole discretion, to deny you access to the Services or any portion thereof without notice for the following reasons, immediately (a) for any unauthorized access or use by you (b) if you assign or transfer (or attempt the same) any rights granted to you under this Agreement; (c) if you violate any of the other terms and conditions of this Agreement.

The Company reserves the right to limit your use of the Services, including your ability to access certain features.

The Company reserves the right, in its sole discretion, to amend, alter, modify, change or discontinue the Services or a portion thereof at any time, without penalty and without notice.

YOUR ACCOUNT

When you create an account on the Site, you register as a Member. By creating an account, you certify that all Information you provide, now or in the future, is accurate. You shall not misrepresent any Information.

You agree to fully and accurately provide the Information requested by us when setting up your account and to regularly update such Information. Your failure to do so may affect your ability to use the Services.

You agree that the Company may remove any content or information you share on the Site if it violates this Agreement or applicable laws, or suspend or terminate your account based on the nature of the breach.

You hereby agree and confirm that you are legally responsible for all Information you share. You agree to only provide Information that does not violate the law nor anyone’s rights (including intellectual property rights).

You acknowledge that your account shall be set to default privacy settings at the time of creation. Should you wish to change the privacy settings, you may do so under the Settings and Privacy tab on the Site.

You hereby grant the Company a limited license to use, reproduce, process, and display your Information for the purpose of providing the Services in accordance with the terms of this Agreement and our Privacy Policy. This license is limited in the following ways:

• You may terminate this license by deleting specific Information from your account or by closing your account.
• We will not share your Financial Data with third-party advertisers without your explicit permission.
• We may use anonymized, aggregated data derived from your Financial Data for product improvement, research, and development purposes.
• While we may format the Information you share for display purposes, we will not alter the substance of your Financial Data.

SECURITY OF ACCOUNT

To ensure security of access to your Information, while registering as a Member, your use of the Services on our Site is protected by a secure authentication system. You should ensure that your login credentials remain confidential.

You are entirely responsible for maintaining the confidentiality of your account. In the event you believe that there is unauthorized use of your account, you shall immediately notify the Company in writing at contact@dimeable.io.

LICENSE

We hereby grant you a limited, revocable, non-assignable, non-transferable and non-exclusive license to access the Site and use the Content for the purpose of availing the Services, expressly conditioned upon your agreement to comply with all terms and conditions set forth in this Agreement.

ADVERTISEMENTS

The Site is supported by advertising revenue. You acknowledge and agree that the Site may display advertisements and that these advertisements are necessary to support the Services we provide.

You agree that:

• We may display advertisements throughout the Site, including alongside user-generated content.
• We may use contextual information (but not your personal Financial Data without consent) to target advertisements that may be of interest to you.
• We are not responsible for the content of any advertisements displayed on the Site.
• Clicking on an advertisement may redirect you to a third-party website, which is subject to separate terms and conditions.

FINANCIAL TOOLS AND ADVICE

The financial tools, calculators, and educational content provided on the Site are for informational purposes only and should not be considered as professional financial advice. The information provided through our Services is designed to support, not replace, the relationship that exists between you and your financial advisor.

We do not guarantee the accuracy, completeness, or timeliness of the information provided through our Services. Financial markets and regulations change frequently, and information may become outdated.

You agree to use the financial tools and information provided on the Site at your own risk and acknowledge that financial decisions made based on the information provided through our Services are your sole responsibility.

DISCLAIMER FOR INFORMATIONAL CONTENT

The content on DIMEABLE is intended for informational and educational purposes only. The views expressed in blog posts, articles, or other content on this platform are solely those of the respective authors and do not constitute professional financial, investment, tax, or legal advice. If you require such advice, we strongly recommend consulting a qualified financial or tax advisor. While we strive to provide accurate and up-to-date information, financial markets and regulations are subject to change. Opinions, analyses, or commentaries shared on DIMEABLE may be updated without prior notice based on market conditions and other relevant factors. Additionally, DIMEABLE may include links to third-party websites or services for user convenience. However, we do not endorse, guarantee, or take responsibility for the content, accuracy, or security of these external sites. Accessing third-party links is at the user’s sole discretion and risk. Investing in securities markets involves risks, including potential loss of principal. Please read all relevant documents carefully before making investment decisions. Any securities, financial products, or investment strategies mentioned (if any) are for illustrative purposes only and should not be considered recommendations. By using this website, you acknowledge and agree that DIMEABLE is not liable for any loss or damage, including but not limited to direct, indirect, incidental, or consequential losses, arising from your use of this platform, reliance on its content, or engagement with third-party services.

TERM AND TERMINATION

You agree to avail the Services offered on this Site for a period commencing on the day you become a Member and expiring on the day you delete your account (“Term“). You agree that the Term shall expire only upon explicit deletion of your account.

You may cancel or terminate this Agreement any time by deleting your account or writing to us at contact@dimeable.io.

This Agreement and the license rights granted hereunder shall remain in full force and effect unless terminated or canceled. Termination of this Agreement shall not affect any right or relief to which the Company may be entitled, at law or in equity.

In case of non-compliance with this Agreement, we have the right to terminate your access or usage rights to the Site and we may revoke the Services at any time, without penalty and without notice.

The following shall survive termination:

• Our rights to use and disclose your feedback;
• Our right to retain your information for legal compliance purposes;
• Disclaimers and Limitation of Liability provisions.

USE OF COMMUNICATION FACILITIES

This Site may contain forums, community feeds, chat rooms, or other message or communication facilities (collectively, “Communication Facilities”). You agree to use the Communication Facilities only to send and receive messages and materials that are proper and related to financial wellness discussions.

Any messages and materials that you share may be seen by other users. You agree that when using a Communication Facility, you shall not:

• Publish defamatory, obscene, or unlawful material;
• Post content that does not belong to you;
• Harass, threaten or violate the rights of others;
• Upload files that contain viruses or malicious code;
• Conduct spam activities or forward chain letters;
• Post misleading financial advice or information;
• Share your personal financial details publicly;
• Promote get-rich-quick schemes or high-risk investments.

We have the right to remove any material that violates these terms and to immediately terminate your account and restrict your access to the Site.

DATA PRIVACY AND SECURITY

We take the security of your Financial Data seriously. We implement industry-standard security measures to protect your information. However, no method of transmission over the internet or electronic storage is 100% secure.

You acknowledge that:

• We use encryption technologies to protect your sensitive Financial Data.
• We implement access controls to limit employee access to user data.
• We conduct regular security audits of our systems.
• We may use third-party service providers to process data and provide certain Services, but we ensure these providers maintain appropriate security standards.

For complete details on how we collect, use, and protect your data, please review our Privacy Policy.

EXCLUSIVE REMEDY

In the event of any problem with the Site or Services, you agree that your sole and exclusive remedy is to cease using the Site and Services. Under no circumstances shall the Company and/or its associate entities be liable in any way for your use of the Site or Services, including any errors or omissions, any infringement of the intellectual property rights or other rights of third parties, or for any loss or damage of any kind incurred as a result of the use of the Site or Services.

OTHER REMEDIES

You acknowledge that a violation of this Agreement will cause such damage to the Company as will be irreparable, the exact amount of which would be impossible to ascertain and for which there will be no adequate remedy at law. Accordingly, you agree that the Company shall be entitled to an injunction issued by any court of competent jurisdiction, restraining such violation or attempted violation of this Agreement by you, as well as to recover from you any costs and expenses sustained or incurred by the Company in obtaining such an injunction, including reasonable attorney’s fees.

COMMUNICATION METHODS

The Company reserves the right to communicate with you in the mode and manner it deems appropriate. Communications may be in the form of emails, notifications, or messages. While you may manage certain notification preferences, you agree that the Company reserves the right to communicate with you regarding the Services, the Site, and this Agreement in any appropriate manner.

DISCLAIMERS AND LIMITATIONS OF LIABILITY

• The Services are provided “as is” and “as available” without warranties of any kind, either express or implied.
• We do not guarantee that the Site will be error-free or uninterrupted.
• We do not warrant the accuracy or completeness of any financial information or tools provided.
• We shall not be liable for any direct, indirect, incidental, special, consequential or punitive damages resulting from your use of or inability to use the Services.
• Financial decisions made based on information provided through our Services are at your own risk.

MISCELLANEOUS

• If any portion of this Agreement is found to be unenforceable, the remaining portion will remain in full force and effect.
• Our failure to enforce any part of this Agreement shall not be considered as a waiver of any rights.
• You will not transfer any of your rights or obligations under this Agreement without our prior written consent.
• All of our rights and obligations under this Agreement are freely assignable by us in connection with a merger, acquisition, or sale of assets.
• This Agreement does not confer any third-party beneficiary rights.

GOVERNING LAW AND JURISDICTION

This Agreement shall be governed by and construed in accordance with the laws of the Republic of India. You explicitly agree that irrespective of your country of residence, you shall be bound by the laws and regulations relating to data protection of the Republic of India. You explicitly agree that the courts at Mumbai, Maharashtra, India shall have exclusive jurisdiction over any disputes arising hereunder.

RELATIONSHIP

You understand and agree that no joint venture, partnership, employment, or agency relationship exists between you and us on account of you using the Site or us rendering the Services.

CONTACT US

If you have any questions about these Terms, please contact us at contact@dimeable.io or through the “Contact Us” section on our Site.