Terms & Conditions

1. Acceptance of Terms

By accessing or using SmartPaisa.Online, you acknowledge that you have read, understood, and agree to be bound by these SmartPaisa Terms and Conditions along with our Privacy Policy and Disclaimer. If you are using the website on behalf of a business, organization, or other legal entity, you represent that you have the authority to bind that entity to these Terms.

2. Definitions

“Website” means SmartPaisa.Online and all pages under this domain. “Content” means articles, guides, text, images, graphics, videos, and other materials made available on the Website. “You” and “User” mean any person or entity that accesses or uses the Website.

3. Eligibility & Access

The Website is intended for users who can legally form a binding contract under applicable law. By using the Website, you confirm that you meet any such eligibility requirements. We may restrict or suspend access to all or part of the Website at any time for maintenance, security, or operational reasons.

4. Use of Content

All Content on SmartPaisa.Online is provided for general informational and educational purposes. You may read, share links, and reference brief excerpts with attribution. However, you may not reproduce, copy, scrape, archive, frame, republish, or distribute substantial portions of our Content without prior written consent.

5. Intellectual Property

The Website and all Content, including but not limited to text, graphics, logos, and design elements, are owned by or licensed to SmartPaisa.Online and are protected by applicable copyright and trademark laws. Nothing in these SmartPaisa Terms and Conditions grants any license to use our trademarks, logos, or branding without prior written permission.

6. Affiliate Disclosure

Certain links on the Website may be affiliate links. If you click and complete a purchase through such links, we may receive a commission at no additional cost to you. We recommend only products, apps, or services that we believe are genuinely useful; however, you should conduct your own research before making any purchase.

7. Communications & Consent

By contacting us or subscribing to updates, you consent to receive communications from us electronically (e.g., email). You agree that all notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

8. User Conduct (Prohibited Activities)

You agree that you will not use the Website to:

• Engage in unlawful, harmful, fraudulent, or misleading activities;
• Upload or distribute viruses, malware, or other malicious code;
• Attempt to gain unauthorized access to any systems or networks connected to the Website;
• Copy, mirror, or scrape the Website or Content using automated means without prior consent;
• Infringe any intellectual property or privacy rights of others.

9. No Financial Advice

SmartPaisa.Online does not offer financial, investment, legal, or professional advice. The Content is shared for education and awareness only. You should conduct independent research and consult qualified professionals before making financial decisions. Reliance on any Content is at your own risk.

10. Third‑Party Links & Services

The Website may contain links to third‑party sites, apps, or services for convenience and reference. We do not control or endorse, and are not responsible for, any third‑party content, privacy practices, or policies. We recommend reviewing the privacy and terms pages of third‑party websites before use. For general financial literacy and consumer advisories, you may refer to trusted public resources such as the Reserve Bank of India (RBI) or the Securities and Exchange Board of India (SEBI).

11. Disclaimer of Warranties

The Website and all Content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties of any kind, whether express or implied, including warranties of accuracy, reliability, merchantability, fitness for a particular purpose, and non‑infringement. We do not warrant that the Website will be uninterrupted, secure, or error‑free.

12. Limitation of Liability

To the maximum extent permitted by law, SmartPaisa.Online shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or relating to your use of the Website or reliance on the Content, even if we have been advised of the possibility of such damages.

13. Indemnification

You agree to defend, indemnify, and hold harmless SmartPaisa.Online and its owners, partners, and contributors from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with (a) your access to or use of the Website or Content; (b) your violation of these SmartPaisa Terms and Conditions; or (c) your violation of any law or the rights of a third party.

14. Suspension & Termination

We may suspend or terminate your access to all or part of the Website at any time, with or without notice, for any conduct that we believe violates these Terms or is otherwise harmful to other users, us, or third parties. Upon termination, all rights granted to you under these Terms will cease immediately.

15. Changes to Terms

We may update or modify these Terms from time to time to reflect changes in law, our practices, or the features of the Website. When we make material changes, we will update the Last Updated date at the top of this page. Your continued use of the Website after changes are posted constitutes your acceptance of the updated Terms.

16. Governing Law & Dispute Resolution

These SmartPaisa Terms and Conditions shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Subject to the following paragraph, the courts located in  Maharashtra shall have exclusive jurisdiction over any disputes arising out of or relating to these Terms or the Website.

Informal Resolution: Before filing any claim, you agree to first contact us and attempt to resolve the dispute informally. We will try to resolve the dispute through good‑faith discussions within 30 days of receiving your notice.

17. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, such provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and SmartPaisa.Online regarding your use of the Website and supersede any prior agreements or understandings.

19. Contact Us

If you have questions about these Terms & Conditions, please contact us:

• Email: smartpaisa.help@gmail.com
• Instagram: @smartpaisa.online
• YouTube: SmartPaisa Online

❓ Frequently Asked Questions (FAQ)

Are SmartPaisa guides legal to use?

Yes. All content is for educational purposes only. Users must follow their local laws before applying any strategies.

Does SmartPaisa guarantee income?

No. Income and results vary based on individual skills, tools, and market conditions. We do not guarantee earnings.

Can I share SmartPaisa articles?

You may share links, but copying or republishing full content without permission is not allowed.