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Terms and Conditions

1. Introduction

Welcome to RingMoney [RingMoney is a brand and trademark of Dakah Global Private Limited] (“RingMoney”, “we”, “our”, or “us”). By accessing and using our website, mobile application, or any services offered by RingMoney (collectively, the “Services”), you agree to be bound by these Terms and Conditions (“Terms”). Please read them carefully before proceeding.

If you do not agree with these Terms, you should discontinue use of our Services immediately.

2. Eligibility

  • You must be at least 18 years of age, of sound mind, and capable of entering into a legally binding agreement under Indian law to use our Services.
  • By registering with RingMoney, you represent that all information provided by you (including KYC documents, PAN, bank details) is true, accurate, and complete.

3. Use of Services

  • RingMoney provides investment-related services, primarily enabling users to invest in mutual funds and related financial products.
  • Access to our Services is strictly personal and non-transferable. You are responsible for maintaining the confidentiality of your login credentials and account information.
  • Any unauthorised sharing, resale, or misuse of access to RingMoney Services may result in suspension or termination of your account.

4. Payments and Refunds

  • All transactions made through RingMoney are processed via authorised payment gateways and are subject to regulatory norms.
  • Payments for investments are made directly to respective mutual fund houses/AMCs as per SEBI guidelines. RingMoney does not hold your money at any stage.
  • Refunds/Cancellations: Since investments are executed with AMCs, cancellation or redemption is subject to respective AMC rules. RingMoney does not independently process refunds unless explicitly required by law or regulation.

5. Intellectual Property

  • All content and material on RingMoney’s website, mobile app, and communications — including text, images, graphics, videos, logos, and software — are the intellectual property of RingMoney [Private Limited].
  • You may not copy, reproduce, distribute, publish, or modify any of our content without our prior written consent.

6. User Conduct

  • You agree to use our Services only for lawful investment and financial purposes.
  • You agree not to:
    • Misrepresent your identity or provide false information.
    • Engage in fraudulent, abusive, or illegal activities.
    • Disrupt the security, integrity, or performance of RingMoney’s systems.
  • Violation of these Terms may result in suspension or termination of your access, without liability or refund.

7. Confidentiality and Data Privacy

  • Any personal and financial information you provide will be kept confidential in accordance with our Privacy Policy.
  • We do not share your personal data with third parties except as required to deliver Services (e.g., with AMCs, KYC agencies, payment partners) or as required by law/regulators.

8. Service Updates and Modifications

  • RingMoney reserves the right to update, modify, or discontinue any feature or service at its discretion, to remain compliant with regulatory requirements or to improve user experience.
  • Users will be notified of significant changes where applicable.

9. Termination

  • RingMoney may suspend or terminate your account if:
    • You breach these Terms.
    • You provide false, incomplete, or misleading information.
    • You engage in activities prohibited by law or these Terms.
  • In such cases, RingMoney will not be liable for any losses, and no refunds will be processed beyond regulatory obligations.

10. Limitation of Liability

  • Investments in mutual funds and securities are subject to market risks. Past performance is not indicative of future returns.
  • RingMoney provides investment facilitation services only and does not guarantee returns.
  • RingMoney is not liable for any loss, damage, or delay caused by third-party service providers, technical issues, or regulatory changes.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of India. Courts at Gurgaon/Delhi NCR jurisdiction shall have exclusive jurisdiction over any disputes arising from these Terms.

12. Contact Information

For questions, concerns, or complaints regarding these Terms and Conditions, please contact us:

  • Email: hello@ringmoney.in
  • Address: RingMoney, Business Plus, 12th Floor, Tower A, Vatika Mindscapes, Sector 27D, Faridabad, Haryana, 121003.