Terms of Service

Acceptance of Terms

These Terms of Service govern your use of Real Returns India and its services. By accessing and using our website, you agree to be bound by these terms and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services. We reserve the right to modify these terms at any time, and your continued use of our platform constitutes acceptance of any changes. These terms apply to all users, visitors, and others who access or use our website.

Your use of our services indicates your acceptance of our terms and conditions. We provide educational content and resources related to inflation, fixed-income earners, and household savings in India. All information provided is for informational purposes only and does not constitute financial advice or a recommendation to buy or sell any security.

User Obligations

As a user of our services, you agree to use our website in compliance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of any account information and passwords associated with your access to our platform. You agree not to engage in any unlawful, fraudulent, or abusive conduct while using our services.

You must not reproduce, duplicate, copy, sell, or exploit any portion of our website or services without our express written permission. You agree not to transmit viruses, malware, or any code of destructive nature through our platform. We prohibit harassment, spam, and any form of automated data collection or scraping. You are responsible for all activities that occur under your account and must notify us immediately of any unauthorized use.

• Do not impersonate any person or entity
• Do not post false, misleading, or defamatory content
• Do not interfere with our website’s functionality or security
• Do not access restricted areas without authorization

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the property of our organization or our content suppliers and is protected by international copyright and intellectual property laws. You may not modify, reproduce, or distribute any content without our explicit written consent. Any unauthorized use of our intellectual property may result in legal action.

We grant you a limited, non-exclusive license to access and use our website for personal, non-commercial purposes only. This license does not include the right to download, copy, or modify any content for any purpose other than viewing on your device. All materials provided remain our exclusive property. Educational resources and financial assessment tools available on our platform are provided under this limited license and may not be redistributed or resold.

Limitation of Liability

We provide our website and services on an “as is” basis without any warranties, express or implied. We do not guarantee the accuracy, completeness, or reliability of any information provided on our platform. To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or inability to access our website.

Our liability is limited to the maximum extent permitted by applicable law. We are not responsible for losses or damages resulting from your reliance on information provided through our platform. You assume all risk associated with your use of our services. Any information about real versus nominal returns, deposit erosion, or inflation-adjusted financial assessment should be independently verified and reviewed by qualified financial professionals before making any financial decisions.

Termination of Access

We reserve the right to terminate or suspend your access to our website at any time, with or without cause, and without notice or liability. Reasons for termination may include violation of these terms, unlawful activity, or any conduct we determine to be harmful to our platform or other users. Upon termination, your right to use our services ceases immediately.

If we terminate your access, you remain responsible for any fees or charges incurred prior to termination. We may delete your account and all associated data following termination. These provisions survive the termination of your access and continue in full force and effect. We encourage users to maintain regular backups of any important information they store on our platform.

Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Any disputes arising from or relating to these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in India. You agree to submit to the jurisdiction and venue of such courts and waive any objection to venue or inconvenient forum.

Amendments and Updates

We may update these Terms of Service from time to time to reflect changes in our services, legal requirements, or other factors. We will notify you of material changes by posting the updated terms on our website with a new “last updated” date. Your continued use of our platform following the posting of updated terms constitutes your acceptance of the changes. We encourage you to review these terms periodically to remain informed of any updates.