Terms of Use

01About Our Products

Sampatwise operates two distinct product experiences:

Aarambha: India

The India version of Aarambha is designed for users in India and may include financial education, investment-related features, investment products, and investment advisory services.

Certain investment advisory consultations available through the India platform are provided by:

Any such advisory services are separate from the general educational content provided through the platform and are available only through the India version of Aarambha, subject to the scope and terms of the applicable service.

Adi: Global

The global version of our product is marketed as Adi.

Adi is an interactive financial education platform focused on helping users learn about money, investing, personal finance, economics, and related concepts through educational content, interactive lessons, games, quizzes, challenges, rewards, and AI-powered learning experiences.

Adi does not provide investment advisory services, investment recommendations, portfolio management, brokerage services, investment execution, or other investment-management services.

The features and services available through Aarambha India and Adi Global may therefore differ.

02Eligibility

You must be at least 15 years of age to register for or use paid Services.

By registering for an account or purchasing a subscription, you represent and warrant that:

• You are at least 18 years old.
• You have the legal capacity to enter into these Terms.
• The information you provide is accurate and complete.
• You will comply with these Terms and all applicable laws.

Individuals under the age of 18 are not permitted to subscribe to our paid Services.

03Account Registration

Certain features may require you to create an account.

You agree to provide true, accurate, current, and complete information when registering and to update such information when necessary.

You are responsible for maintaining the confidentiality of your account credentials and for all activity conducted through your account.

You must not:

• Share your account credentials with another person.
• Allow another person to use your account.
• Create an account using false information.
• Attempt to access another person's account.
• Use the Services for unlawful purposes.

We reserve the right to suspend or terminate accounts that contain inaccurate information or that violate these Terms.

04India App: Investment and Advisory Services

The India version of Aarambha may provide access to investment-related features and services.

Where investment advisory consultations are offered, they are provided by Prashanth Sekhar, SEBI Registered Investment Adviser (INA200016412).

Such advisory services are:

1. Available only through the India version of Aarambha.
2. Separate from Adi's global educational services.
3. Provided only within the scope of the applicable advisory service.
4. Subject to the terms and conditions presented to the user when the service is made available.

Nothing in these Terms should be interpreted as making investment advisory services available through Adi.

Adi does not provide investment advisory services.

Users accessing Adi globally should understand that Adi is an educational product only.

Adi does not:

• Manage investments.
• Allocate portfolios.
• Execute investments.
• Buy or sell securities on behalf of users.
• Provide individualized investment recommendations.
• Act as a broker.
• Hold or custody user funds or securities.
• Provide personalized investment advisory services.

05Educational Content

The Services may contain educational content covering subjects including, but not limited to:

• Personal finance
• Saving and budgeting
• Investing concepts
• Stocks and markets
• Mutual funds
• Economics
• Financial terminology
• Financial decision-making
• Historical market events
• Financial news and concepts

Educational content is provided to help users improve their understanding of financial concepts.

Adi

All financial content provided through Adi is intended for educational and informational purposes only.

Adi does not provide personalized financial advice or recommendations.

Examples, scenarios, simulations, calculations, historical information, and hypothetical outcomes are educational and may not reflect actual future results.

Users should not interpret educational content as a recommendation to buy, sell, or hold any financial product.

06AI Features

Adi and/or Aarambha may provide AI-powered features, including AI assistants, educational explanations, personalized learning experiences, question answering, and other interactive tools.

AI-generated content may contain errors, omissions, outdated information, or inaccuracies.

AI-generated content should not be treated as professional financial, investment, tax, accounting, legal, or other professional advice.

You are responsible for independently verifying information before relying on it for any important decision.

07Games, Rewards, Challenges and Leaderboards

Adi may include interactive games, quizzes, challenges, streaks, stars, points, badges, leaderboards, rewards, rankings, and similar features.

These features are designed to make financial education more engaging.

Unless expressly stated otherwise:

• Points have no cash value.
• Stars have no cash value.
• Streaks have no cash value.
• Leaderboard positions have no monetary value.
• In-app achievements do not represent financial performance.
• Rewards cannot be exchanged for cash unless expressly stated by us.

We may modify, suspend, or discontinue any game, reward, challenge, leaderboard, or similar feature at any time.

08Pro Subscriptions

There are two separate Pro subscription offerings:

8.1 Aarambha Pro: India

Aarambha Pro is the paid subscription offering available through the India version of the Aarambha platform.

Depending on the plan selected, Aarambha Pro may provide access to:

• Premium educational content
• Investment-related information
• Market-related content
• Investment-related platform features
• Advisory-related services where specifically included
• Other premium features described at the time of purchase

Where investment advisory consultations are included, those consultations are provided by Prashanth Sekhar, SEBI Registered Investment Adviser (INA200016412).

The specific services, features, pricing, billing period, and applicable terms will be presented to the user before purchase.

8.2 Adi Pro: Global

Adi Pro is the paid subscription offering available through the global Adi platform.

Adi Pro may include access to:

• Full educational lesson libraries
• Interactive financial lessons
• Games and quizzes
• Advanced challenges
• Personalized learning experiences
• Progress tracking
• Streaks and rewards
• Leaderboards
• AI-powered educational features
• Premium educational content
• Other features made available within the Adi platform

Adi Pro is a financial education subscription.

Adi Pro does not provide investment advisory services, investment recommendations, portfolio management, brokerage, investment execution, or custody of financial assets.

The specific features and pricing applicable to your Adi Pro subscription will be displayed at the time of purchase.

09Subscription Billing

Subscription fees are charged in advance for the applicable subscription period.

Depending on the product and plan, subscriptions may be offered on a:

• Monthly basis
• Quarterly basis
• Annual basis
• Or another billing period displayed at the time of purchase

The applicable price, currency, billing frequency, and included features will be displayed before payment is completed.

Payments may be processed through third-party payment providers or app-store payment systems.

10Automatic Renewal

Where automatic renewal is enabled, your subscription will automatically renew at the end of the applicable billing period unless you cancel the subscription before the renewal date.

By purchasing a recurring subscription, you authorize the applicable payment provider to charge the payment method associated with your subscription for subsequent billing periods.

The applicable renewal price will be the price displayed to you at the time of renewal, subject to any required notice of price changes.

11Cancellation

This is intended to provide sufficient time for the cancellation to be processed before the next scheduled charge.

Cancellation will stop future renewals where supported.

Cancellation does not automatically provide a refund for the subscription period that has already been paid for.

Depending on where you purchased the subscription, cancellation may need to be completed through:

• The Adi or Aarambha platform;
• Apple App Store subscription settings;
• Google Play subscription settings; or
• The applicable payment provider.

Users are responsible for ensuring that their subscription has been successfully cancelled.

12Refund Policy

Subscription payments are generally non-refundable once payment has been successfully processed.

This applies to both:

• Aarambha Pro: India subscription payments.
• Adi Pro: Global subscription payments.

Once a subscription payment has been successfully processed, we generally do not provide refunds because a user:

• Changes their mind.
• Stops using the Service.
• Does not use the available features.
• Does not complete lessons.
• Does not play games.
• Forgets to cancel the subscription.
• Cancels after the applicable renewal deadline.
• No longer wants the subscription.

For Adi Pro in particular, once a subscription payment has been processed, no refund will ordinarily be provided for the applicable subscription period.

Users should cancel at least 3 days before the next renewal date if they do not wish to be charged for the following period.

Billing Errors

If you believe you have been charged incorrectly, including because of:

• A duplicate charge;
• A technical payment error;
• An unauthorized transaction; or
• Another billing issue,

you may contact us with your transaction details.

We may review the issue and determine whether an adjustment or refund is appropriate.

Any refund provided will generally be returned to the original payment method.

Nothing in this Refund Policy limits any refund, cancellation, or other consumer right that cannot legally be excluded under applicable law.

13Payment Processing

Payments may be processed by third-party payment providers, including payment processors, Apple, Google, or other providers made available through the Services.

We do not control the processing timelines of third-party payment providers, banks, card networks, or app stores.

Where a refund is approved, the time required for the amount to appear in your account may depend on the relevant payment provider or financial institution.

14Intellectual Property

All content and materials made available through the Services are owned by or licensed to Sampatwise Solutions Pvt Ltd or its applicable licensors.

This includes:

• Software
• Application design
• Branding
• Logos
• Trademarks
• Text
• Lessons
• Games
• Questions
• Illustrations
• Graphics
• Animations
• Videos
• Audio
• Educational materials
• AI-generated interfaces and experiences
• Other proprietary materials

You receive a limited, non-exclusive, non-transferable right to access and use the Services for personal, non-commercial purposes.

You may not, without our prior written permission:

• Copy our content.
• Reproduce our content.
• Distribute our content.
• Sell our content.
• Modify our content.
• Create derivative works from our content.
• Reverse engineer the platform.
• Attempt to extract source code.
• Systematically scrape the platform.
• Commercially exploit our content.

15User Content and Feedback

You may provide feedback, suggestions, ideas, responses, or other content through the Services.

You retain ownership of content that you independently own.

By submitting feedback, suggestions, or other materials to us, you grant us a non-exclusive, worldwide, royalty-free right to use, reproduce, modify, and incorporate such feedback into our products and Services without compensation to you.

You agree not to submit content that:

• Violates another person's rights.
• Is unlawful.
• Is abusive or threatening.
• Contains malicious software.
• Infringes intellectual property rights.
• Attempts to manipulate or exploit the Services.

16Acceptable Use

You agree not to use the Services to:

• Violate applicable laws.
• Defraud or deceive another person.
• Gain unauthorized access to the Services.
• Interfere with the operation of the Services.
• Circumvent security measures.
• Reverse engineer the platform.
• Scrape or copy content at scale.
• Manipulate leaderboards.
• Abuse rewards or promotional systems.
• Create fraudulent accounts.
• Exploit technical vulnerabilities.
• Impersonate another person or organization.
• Upload malicious software.
• Use the Services for commercial purposes without our permission.

We may suspend or terminate accounts involved in prohibited activity.

17Third-Party Services

The Services may contain links to or integrations with third-party websites, applications, payment providers, app stores, or other services.

Third-party services are governed by their own terms and policies.

We are not responsible for the availability, security, content, policies, or practices of third-party services.

18Service Availability

We make reasonable efforts to keep the Services available and functioning properly.

However, we do not guarantee that the Services will:

• Always be available.
• Be uninterrupted.
• Be error-free.
• Be completely secure.
• Always contain accurate or current information.

We may modify, update, suspend, or discontinue any feature or part of the Services at any time.

19Educational and Informational Disclaimer

The Services are designed primarily to provide educational and informational experiences.

Financial information can change over time.

We do not guarantee that all educational content will always be complete, accurate, current, or suitable for your particular circumstances.

For Adi

Adi is an educational product.

Nothing provided through Adi constitutes:

• Financial advice
• Investment advice
• A recommendation
• Portfolio management
• Brokerage
• Investment execution
• Tax advice
• Legal advice
• Accounting advice
• Any other professional advice

Users should seek appropriate professional advice where necessary.

For Aarambha India

Investment-related advisory services, where available, are provided separately through the India platform by the applicable registered adviser and within the scope of those services.

Financial calculators

Our financial calculators give estimates for education. A result is not tax, legal, accounting or investment advice, and it is not a recommendation.

We test the calculators with automated engineering checks of their maths and their pages. These checks are not a professional review of every financial situation, and they cannot tell whether a result fits yours.

Each calculator states its assumptions, most of which you can change. The tax calculators say which tax year and which taxpayers their rules cover; the savings calculators say which period their default rate is for. Results are rounded and use simplified models, so a lender, employer or the tax department may reach a different figure. Check important figures against the official source, or with a qualified professional, before you act on them.

More detail: How we check the calculators.

20No Guarantee of Financial Outcomes

Nothing in the Services guarantees any financial outcome, investment return, profit, saving, or other financial result.

Historical information and hypothetical examples do not guarantee future outcomes.

Any calculations, examples, simulations, projections, or scenarios are provided for educational purposes unless expressly stated otherwise.

21Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Services are provided on an “as is” and “as available” basis.

We disclaim warranties of any kind, whether express or implied, including warranties relating to:

• Availability
• Accuracy
• Reliability
• Fitness for a particular purpose
• Non-infringement
• Security
• Continuous operation

22Limitation of Liability

To the maximum extent permitted by applicable law, Sampatwise Solutions Pvt Ltd, Aarambha, Adi, and their respective affiliates, employees, contractors, officers, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of the Services.

This includes, to the extent permitted by law, losses arising from:

• Use or inability to use the Services.
• Reliance on educational content.
• Errors or omissions in content.
• Account interruptions.
• Technical failures.
• Third-party services.
• Unauthorized account access.
• Loss of data.

Nothing in these Terms excludes liability that cannot legally be excluded or limited under applicable law.

23Indemnification

To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless Sampatwise Solutions Pvt Ltd, Aarambha, Adi, their affiliates, officers, employees, contractors, and service providers from claims, liabilities, losses, damages, costs, and expenses arising from:

• Your use of the Services.
• Your violation of these Terms.
• Your violation of applicable law.
• Your infringement of another person's rights.
• Your misuse of the Services.

24Suspension and Termination

We may suspend, restrict, or terminate your access to the Services if:

• You violate these Terms.
• You engage in fraudulent activity.
• You misuse the Services.
• You attempt to compromise the security of the platform.
• Your use creates a risk to other users or to us.
• We are required to do so by law.
• We discontinue the applicable Service.

You may stop using the Services at any time.

Termination of an account does not automatically create an entitlement to a refund for amounts already paid, except where required by applicable law.

25Privacy

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms.

Our Privacy Policy explains how we collect, use, store, and process personal information.

By using the Services, you acknowledge that you have reviewed our Privacy Policy.

26Governing Law

These Terms are governed by the laws of India, except to the extent that mandatory laws applicable to a user in another jurisdiction provide otherwise.

For the India version of Aarambha, disputes will be subject to the jurisdiction of the courts of Bangalore, India, to the extent permitted by applicable law.

For Adi users outside India, any mandatory consumer or other legal rights applicable in the user's jurisdiction will not be excluded by these Terms.

27Changes to the Services

We may add, modify, remove, or discontinue features of the Services at any time.

This may include:

• Lessons
• Games
• Rewards
• Challenges
• AI features
• Subscription features
• Content
• User interfaces
• Pricing
• Product functionality

Where required, we will provide appropriate notice of material changes.

28Changes to These Terms

We may update these Terms from time to time.

The updated version will be posted on the applicable website or within the Services and will include an updated effective date.

Your continued use of the Services after the updated Terms become effective constitutes acceptance of the updated Terms.

29Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision will be modified or removed to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

30Entire Agreement

These Terms, together with our Privacy Policy and any additional terms presented to you for specific Services or subscriptions, constitute the entire agreement between you and us regarding your use of the Services.

If there is a conflict between these Terms and specific terms presented at the time of purchasing a particular Service, the specific terms applicable to that Service will control to the extent of the conflict.

31Contact Us

If you have questions, concerns, billing issues, or complaints regarding these Terms or the Services, please contact us at:

Email: [email protected]

For subscription-related inquiries, please include:

• Your registered email address
• The applicable product (Aarambha or Adi)
• Transaction details
• Date of purchase
• Description of the issue