Terms & Conditions


This TERMS OF USE AGREEMENT ('Terms") is made by Spekmac Technologies Pvt Ltd., a company registered under the Companies Act 1956, having its registered office at CPXV11/78A, Rahmaniya Nagar Alamapady -P.O , Kasaragod, Kerala 671123 ,India, (hereinafter referred to as "4money.in") or any of its branches and you as a User of the Website. The term "Website" means www.4money.in.store, all web-pages appearing, appended, available along with this Website. 

User conveys acceptance to the Terms every time the User uses the Website. User has discretion not to use the Website, so in terms User's use of the Web site despite the right and power not to use, it is construed that the User has accepted the conditions of the Terms. User is hereby allowed to use the Web site subject to acceptance of the terms and conditions of the Terms. 4money.in retains the right to change the Terms from time to time, without assigning any reason or giving a notice. Any new terms and conditions which will be applicable to the Website shall be incorporated as part of the Terms. The User shall keep updated about the changes, and use of Website after such change shall construe the User's acceptance. The User shall re-visit the 'Terms of Use' link from time to time to stay abreast of any changes that the Website may introduce. 

4money.in reserves the right to store, evaluate, analyze, verify, and authenticate the Personal information and data provided by the User. The User acknowledges here by that 4money.in continues to maintain right to close the User Account without any notice for any reasons whatsoever it may be. In case of non-compliance with the Terms on the Website, 4money.in reserves the right to immediately terminate the Services provided to the User.

The User shall be at least 18 years of age or over to register and avail the Services of the Website. Registration to the Website is void where prohibited. User represents and warrants that he/she has the right authority and capacity to enter into the Terms and to abide by all of the terms and conditions of the Terms. The User shall not impersonate any person or entity, or falsely state or otherwise misrepresent identity, age or affiliation with any person or entity. The Website may terminate the registration of the User and/or prohibit the User from using or accessing the Service or the Website (or any portion, aspect or feature of the Service or the Website) for any reason including the reasons stated above, at any time in its sole discretion, with or without notice, including without limitation if it believes that you are under 18 years of age.

Any person who accesses the Website is presumed to be legally capable of entering into a legal Contract and has understood and voluntarily accepted the Terms. User acknowledges that the User shall use the Services for Clients and for legal purposes.

The User represent, warrant and agree that no materials of any kind submitted through the User account or otherwise shared by User through the Service will violate or infringe upon the rights of any third party, including copyright, trademark, privacy, publicity or other personal or proprietary rights; or contain libelous, defamatory or otherwise unlawful material. Consequently, User shall understand that he/she shall not entirely depend on the data displayed on the Website.

The User further agrees that he/she shall not use the Service or the Website in any unlawful manner or in any other manner that could damage, disable, overburden, impair or disrupt the Service, servers, system, site or networks connected to the Service.

You shall not use, allow, host, upload, modify, transmit, update or share any information or enable others to use the Website, or knowingly condone use of the Website by others, in any manner that is, attempts to, or is likely to: 

  • belong to another person and to which you do not have any right to;
  • deceive or mislead the addressee about the origin of such message or communicate any information

To the fullest extent permissible pursuant to applicable law, 4money.in and its third-party partners, licensors, and suppliers disclaim all warranties, statutory, express or implied, including, but not limited to, implied warranties of Merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. No advice or information, whether oral or written, obtained by you from 4money.in or through the services or the site will create any warranty not expressly stated herein. You expressly acknowledge that as used in this section, the term "4money.in" includes 4money.in's officers, directors, employees, shareholders, agents, licensors, subcontractors and affiliated companies. You expressly agree that use of the services and the site is at your sole risk. It is your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the site or on the internet generally. You understand that except for information, products or services clearly indicated as being supplied by 4money.in, we do not operate, control, or endorse any information, products or services on the Internet in anyway. We do not warrant that the service will be uninterrupted or error-free or that defects in the site will be corrected. The services and the site and any data, information, third party software, reference sites, services, or software made available in conjunction with or through the services and the site are provided on an "as is" and "as available," "with all faults" basis and without warranties or representations of any kind either express or implied. 4money.in, and its third party suppliers, licensors, and partners do not warrant that the data, functions, or any other information offered on or through the services, the site or any reference sites will be uninterrupted, or free of errors, viruses or other harmful components and do not warrant that any of the foregoing will be corrected. 4money.in and its third party suppliers, licensors, and partners do not warrant or make any representations regarding the use or the results of the use of the services, the site or any reference sites in terms of correctness, accuracy, reliability, or otherwise. You understand and agree that you use, access, download, or otherwise obtain information, materials, or data through the services, the site or any reference sites at your own discretion and risk and that you will be solely responsible for any damage to your property (including your computer system and device) or loss of data that results from the download or use of such material or data. We do not authorize anyone to make any warranty on our behalf and you should not rely on any such statement. This paragraph shall survive termination of this agreement. In no event will 4money.in be liable for any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the site.

You agree to indemnify, save, and hold 4money.in, its affiliates, contractors, employees, officers, directors, agents and its third party suppliers, licensors, and partners harmless from any and all claims, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to your use or misuse of the Services or of the Site, any violation by you of this Agreement, or any breach of the representations, warranties, and covenants made by you herein. 4money.in reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify 4money.in, including rights to settle, and you agree to cooperate with 4money.in's defense and settlement of these claims. This paragraph shall survive after the termination of this Agreement.

These Terms shall be governed by, and construed in accordance with, the laws of India, without reference to principles of conflicts of law. The parties agree that the courts of Mumbai shall have exclusive jurisdiction over any dispute arising from or relating to these Terms, the Platform/Network or the Site. You expressly consent to the personal jurisdiction of said courts and waive any objection to such personal jurisdiction based on forums non convenience or any other basis.

Upon termination of this Agreement, any provision which, by its nature or express terms should survive, will survive such termination or expiration as applied to transfers and relationship prior to such termination or expiration.

To the maximum extent permitted by law, you waive, release, discharge and hold harmless 4money.in, its affiliated and subsidiary companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of your use of the Platform

The minimum validity of a wallet is 180 days from the date of activation / issuance of the wallet. If the wallet remains inactive for a continuous period of 180 days, the same can be expired & the outstanding wallet balance can be forfeited. 

The Company follows RBI policy guidelines & regulations related to PPI expiry.

The caution advice shall be sent by SMS / e-mail. It is the responsibility of the Customer to ensure that the information provided by the Customer including the email id and the mobile number is updated at all times. The Company shall not be held responsible or liable for any failure of delivery of the intimation.

Further, Customer agrees and acknowledges that it shall have no claim against the Company for the balance forfeited from his/her mobile Wallet.

For Any other disputes kindly raise complaint to service@4money.in / info@spekmac.com