Terms & Conditions

Terms & Conditions for using the DisciFin platform.

TERMS & CONDITIONS OF USE

DisciFin Mobile Application

Version 1.0

Effective Date: October 01, 2026

Last Updated: October 01, 2026

1. Introduction

Welcome to DisciFin, a financial wellness and money management platform developed and operated by Arthnaut Fintech LLP ("Arthnaut", "DisciFin", "Company", "we", "our", or "us").

These Terms & Conditions ("Terms") govern your access to and use of the DisciFin mobile application ("App"), our website (www.discifin.co), and all related products, services, content, and features (collectively, the "Services").

These Terms constitute a legally binding agreement between you ("User", "you", or "your") and Arthnaut Fintech LLP.

By downloading, installing, accessing, registering for, or using the Services, you confirm that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy.

If you do not agree with these Terms, you must discontinue use of the Services immediately.

2. About DisciFin

DisciFin is a technology platform designed to help individuals and families build better financial habits and improve financial discipline.

The App enables users to:

  • Track income and expenses.

  • Categorise expenses into Needs and Wants.

  • Monitor savings and investments.

  • Calculate Daily Money Pace™.

  • Set short-term and long-term financial goals.

  • Receive reminders and financial insights.

  • Monitor financial progress.

  • Earn achievements and financial belt certifications.

  • Access educational financial content.

  • Explore financial products and services offered through authorised partners.

DisciFin is intended to support users in managing their personal finances through technology-driven tools.

Unless expressly stated otherwise, DisciFin is not:

  • a bank;

  • a Non-Banking Financial Company (NBFC);

  • a stock exchange;

  • a depository participant;

  • a portfolio manager;

  • a registered investment adviser;

  • a tax adviser;

  • a legal adviser; or

  • an insurance company.

Any regulated financial products or services made available through the App shall be offered only through appropriately authorised third-party partners and shall remain subject to applicable laws and regulatory approvals.

3. Acceptance of Terms

By accessing or using the Services, you represent and warrant that:

  • you have the legal capacity to enter into a binding agreement;

  • you agree to comply with these Terms;

  • you agree to comply with our Privacy Policy;

  • the information provided by you is true, accurate, and complete;

  • you will update your information whenever necessary.

If you are using the Services on behalf of another person or organisation, you represent that you have the authority to bind that person or organisation to these Terms.

4. Eligibility

You may use the Services only if:

  • you are legally competent to enter into contracts under applicable law;

  • your use of the Services is not prohibited by any applicable law;

  • your account has not been suspended or terminated by us.

If we reasonably believe that you do not meet the eligibility requirements, we reserve the right to suspend or terminate your access to the Services.

5. Definitions

For the purposes of these Terms:

Account means your registered DisciFin user account.

App means the DisciFin mobile application.

Company, we, our, or us means Arthnaut Fintech LLP.

Content includes text, graphics, logos, reports, calculations, software, designs, videos, images, and all other materials available through the Services.

Daily Money Pace™ means the budgeting methodology developed by DisciFin to estimate a user's recommended daily spending based on the financial information entered by the user.

Financial Information means information voluntarily entered by the user, including income, expenses, savings, investments, goals, transactions, bills, and related financial data.

Services means the App, website, features, content, and related services provided by DisciFin.

User, you, or your means any person accessing or using the Services.

6. User Registration

To access certain features of the Services, you must create a DisciFin account.

Registration currently requires:

  • Mobile Number

  • One-Time Password (OTP) verification

You may also choose to provide:

  • Name

  • Email Address

  • Date of Birth

  • Gender

  • City

  • PIN Code

  • Nature of Business

  • Annual Income

  • Family Information

  • Other profile information.

You agree that all information provided by you shall be accurate, complete, and current.

We reserve the right to refuse registration or terminate accounts where false, misleading, fraudulent, or incomplete information has been provided.

7. OTP Authentication

DisciFin currently authenticates users using mobile number verification through a One-Time Password (OTP).

By using OTP authentication, you acknowledge and agree that:

  • you are authorised to use the registered mobile number;

  • OTPs are confidential and must not be shared with any third party;

  • you are responsible for maintaining the security of your device and mobile number;

  • any activity carried out after successful OTP verification shall be deemed to have been authorised by you unless you promptly notify us of unauthorised access.

We are not responsible for losses arising from your failure to secure your device, SIM card, or OTP credentials.

8. User Account

You are responsible for maintaining the confidentiality and security of your account.

You agree to:

  • keep your registered mobile number updated;

  • maintain accurate profile information;

  • promptly notify us of unauthorised access;

  • log out where appropriate when using shared devices.

You remain responsible for all activities carried out using your account until you notify us of any unauthorised access.

We reserve the right to suspend or terminate accounts where misuse, fraud, illegal activity, or violations of these Terms are suspected.

9. User Responsibilities

When using the Services, you agree to:

  • provide truthful and accurate financial information;

  • use the Services only for lawful purposes;

  • comply with applicable laws and regulations;

  • refrain from attempting to gain unauthorised access to the Services;

  • refrain from interfering with the security or operation of the App;

  • avoid uploading malicious software, viruses, or harmful code;

  • respect the intellectual property rights of DisciFin and third parties.

You acknowledge that the quality and accuracy of financial reports, insights, Daily Money Pace™, budgeting calculations, savings analysis, and goal tracking depend on the accuracy of the information entered by you.

10. Accuracy of User Information

DisciFin relies on user-entered information to provide personalised financial insights and budgeting tools.

You are solely responsible for ensuring that the information entered into the App is:

  • accurate;

  • complete;

  • up to date; and

  • entered in the correct manner.

DisciFin does not independently verify the financial information entered by users.

Accordingly, Arthnaut Fintech LLP shall not be liable for any inaccuracies in reports, calculations, recommendations, reminders, or financial insights arising from incorrect or incomplete information provided by the user.

11. Use of Financial Information

DisciFin enables users to manually record and manage their personal financial information.

You may voluntarily enter information including, but not limited to:

  • Income

  • Additional Income

  • Expenses

  • Savings

  • Investments

  • Bills

  • Financial Goals

  • Transactions

  • Needs and Wants allocation

  • Loan or EMI information

  • Insurance information

  • Notes relating to financial activities

All financial information entered into the App remains your responsibility.

DisciFin does not independently verify, audit, or validate the accuracy of such information.

12. Manual Data Entry

At present, DisciFin primarily operates using information manually entered by users.

The App does not automatically access or retrieve information from:

  • Bank accounts

  • UPI accounts

  • Credit cards

  • Debit cards

  • SMS messages

  • Email accounts

  • Mutual fund accounts

  • Investment accounts

unless you explicitly authorise such functionality in a future version of the App.

Future integrations, including those through India's Account Aggregator framework or authorised APIs, will be implemented only with your explicit consent and in accordance with applicable laws.

13. Daily Money Pace™

Daily Money Pace™ is a proprietary budgeting methodology developed by DisciFin to assist users in managing their day-to-day spending.

It estimates a recommended daily spending amount based on information entered by the user, including:

  • Monthly income

  • Expenses

  • Savings

  • Current spending

  • Remaining days in the cycle month

  • Other budgeting parameters

Daily Money Pace™ is intended solely as a financial planning and budgeting aid.

It is an estimate and does not guarantee that spending within the suggested amount will prevent financial loss, overspending, or future financial difficulties.

Users remain solely responsible for all financial decisions and expenditures.

14. Needs and Wants Budgeting

DisciFin encourages users to categorise expenses into:

  • Needs – Essential expenses necessary for everyday living, such as housing, food, utilities, healthcare, education, and transportation.

  • Wants – Lifestyle or discretionary expenses, such as entertainment, dining out, shopping, travel, subscriptions, and other non-essential spending.

The categorisation of expenses is intended to help users better understand their spending habits and improve financial discipline.

Users are responsible for reviewing and editing any suggested allocations to ensure they accurately reflect their spending.

15. Savings and Financial Goals

DisciFin enables users to create and monitor savings goals and financial objectives.

These goals may include:

  • Emergency funds

  • Travel

  • Education

  • Vehicle purchase

  • Home purchase

  • Lifestyle goals

  • Other short-term or long-term financial goals

Goal tracking is intended to help users monitor progress toward self-defined objectives.

The creation of a goal does not guarantee that the goal will be achieved or that sufficient funds will be available by the target date.

16. Financial Reports and Analytics

DisciFin may generate various reports and analyses based on information entered by the user.

These may include:

  • Monthly financial summaries

  • Spending analysis

  • Savings reports

  • Needs vs Wants reports

  • Daily Money Pace™ reports

  • Financial progress reports

  • Budget utilisation reports

  • Goal progress reports

  • Historical trends

  • Comparative reports across cycle months

These reports are intended solely to assist users in understanding and managing their finances.

Reports should not be interpreted as financial, tax, legal, accounting, or investment advice.

17. AI-Assisted Insights (Future Feature)

DisciFin may introduce artificial intelligence (AI), machine learning, or other automated technologies to provide enhanced financial insights and recommendations.

Such insights may include:

  • Spending trends

  • Savings opportunities

  • Goal progress

  • Budget recommendations

  • Financial wellness summaries

  • Behavioural insights

AI-generated content is intended for informational and educational purposes only.

Users should independently evaluate any insights before making financial decisions.

DisciFin does not guarantee the accuracy, completeness, or suitability of AI-generated insights.

18. Financial Products and Third-Party Services

From time to time, DisciFin may enable users to access financial products and services offered by authorised third-party providers.

These may include:

  • Mutual Funds

  • Bonds

  • Fixed Deposits

  • Insurance

  • Other financial products permitted under applicable law

DisciFin acts as a technology platform facilitating access to such services.

The actual financial product or service is provided by the respective regulated institution or authorised intermediary.

Any investment or insurance decision is made solely by the user.

Users are encouraged to carefully read all relevant product documents, risk disclosures, and terms before proceeding.

19. Mutual Fund Services

Where Mutual Fund services are offered through the App:

  • Investments shall be facilitated only through authorised Asset Management Companies (AMCs), Registrars and Transfer Agents (RTAs), or other regulated intermediaries.

  • Investments are subject to market risks.

  • Past performance is not indicative of future results.

  • DisciFin does not guarantee returns or investment performance.

  • Users should read all scheme-related documents carefully before investing.

DisciFin does not provide personalised investment advice unless specifically authorised under applicable law.

20. Insurance Services

DisciFin may facilitate access to insurance products through authorised insurance partners.

Where users express interest in an insurance product:

  • DisciFin may collect information necessary to process the request.

  • Information will be shared with the relevant insurance partner only with the user's consent.

  • The insurance contract is entered into between the user and the insurer.

  • Policy issuance, claims, underwriting, pricing, and coverage remain the sole responsibility of the insurer.

DisciFin does not underwrite or issue insurance policies.

21. Educational Content

The App may provide articles, calculators, tutorials, videos, blogs, financial literacy content, webinars, or other educational materials.

Such content is provided solely for educational and informational purposes.

Educational content should not be construed as financial, investment, legal, tax, or professional advice.

22. Notifications and Reminders

DisciFin may send notifications relating to:

  • Daily Money Pace™

  • Bill reminders

  • Goal reminders

  • Savings reminders

  • Monthly reports

  • Weekly reports

  • Achievement milestones

  • Security alerts

  • Product updates

  • Service announcements

Users may manage notification preferences through their device settings or within the App where such options are available.

Essential account or security-related communications may continue to be sent even if promotional notifications are disabled.

23. Gamification, Achievements, and Certificates

DisciFin incorporates gamification features to encourage long-term financial discipline.

These may include:

  • Daily streaks

  • Achievement badges

  • Financial Belt Certifications

  • Milestone rewards

  • Goal completion recognition

  • Progress tracking

Achievements and certificates are intended to motivate users and recognise progress within the App.

They are symbolic recognitions only and do not represent professional qualifications, financial certifications, licences, or guarantees of financial success.

Users may choose to share achievements through supported social media platforms. Such sharing is entirely voluntary.

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24. Intellectual Property Rights

All rights, title, and interest in and to the Services, including but not limited to:

  • the DisciFin name and logo;

  • Daily Money Pace™ methodology;

  • software and source code;

  • application design and user interface;

  • reports and analytics;

  • algorithms;

  • AI models;

  • databases;

  • graphics, icons, illustrations;

  • articles and educational content;

  • financial calculators;

  • gamification system;

  • Financial Belt Certifications;

  • trademarks, copyrights, trade secrets, patents, and other intellectual property,

are owned by or licensed to Arthnaut Fintech LLP and are protected by applicable intellectual property laws.

Nothing contained in these Terms grants you any ownership rights in the Services.

25. Limited Licence

Subject to these Terms, Arthnaut Fintech LLP grants you a limited, non-exclusive, non-transferable, revocable licence to use the App solely for your personal, lawful, and non-commercial financial management.

You shall not:

  • copy or reproduce the App;

  • modify or create derivative works;

  • reverse engineer or decompile the software;

  • distribute or sublicense the App;

  • sell or commercially exploit the App;

  • remove copyright or trademark notices;

  • use the Services for unlawful purposes.

This licence automatically terminates if you violate these Terms.

26. Acceptable Use

You agree to use the Services responsibly and in accordance with applicable laws.

You agree that you will not:

  • use the App for fraudulent purposes;

  • impersonate another person;

  • provide false financial information with malicious intent;

  • interfere with the operation of the Services;

  • attempt unauthorised access to our systems;

  • upload malicious software or viruses;

  • misuse APIs or automated systems;

  • scrape or extract data without permission;

  • use the App to promote unlawful activities;

  • infringe the rights of other users or third parties.

27. Prohibited Activities

Without limiting the generality of the above, users shall not:

  • attempt to bypass security measures;

  • interfere with servers or networks;

  • exploit software vulnerabilities;

  • copy the budgeting methodology for commercial purposes;

  • reproduce the Daily Money Pace™ system without written permission;

  • create competing services using DisciFin content;

  • use bots to access the Services;

  • manipulate achievement systems or Financial Belt Certifications;

  • misuse referral programmes;

  • attempt to artificially inflate financial achievements or reports.

Violation of these Terms may result in immediate suspension or termination of your account.

28. Suspension and Termination

We reserve the right, at our sole discretion, to suspend, restrict, or terminate your access to the Services if:

  • you violate these Terms;

  • you provide false or misleading information;

  • fraudulent activity is suspected;

  • your account poses a security risk;

  • required by law or regulatory authorities;

  • necessary to protect the Services or other users.

Where reasonably practicable, we may provide notice before suspension. However, we may suspend access immediately where necessary to protect security, comply with legal obligations, or prevent misuse.

Termination does not affect rights or obligations accrued prior to the termination.

29. Service Availability

We strive to keep the Services available at all times.

However, we do not guarantee uninterrupted or error-free operation.

The Services may be temporarily unavailable due to:

  • scheduled maintenance;

  • software upgrades;

  • network failures;

  • cloud service interruptions;

  • internet connectivity issues;

  • force majeure events;

  • third-party service outages.

We shall not be liable for losses arising from temporary interruptions beyond our reasonable control.

30. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis.

To the maximum extent permitted by law, Arthnaut Fintech LLP disclaims all warranties, whether express or implied, including warranties of:

  • merchantability;

  • fitness for a particular purpose;

  • non-infringement;

  • uninterrupted availability;

  • accuracy;

  • completeness;

  • reliability.

We do not warrant that:

  • the App will always be available;

  • calculations will always be accurate;

  • reports will be error-free;

  • bugs will never occur;

  • financial goals will be achieved;

  • savings targets will be met;

  • Daily Money Pace™ will always reflect actual spending capacity.

31. Financial Disclaimer

DisciFin is a financial wellness platform.

The Services do not constitute:

  • investment advice;

  • portfolio management;

  • stock recommendations;

  • insurance advice;

  • tax advice;

  • legal advice;

  • accounting advice;

  • financial planning services.

Any financial insights, reports, reminders, AI-generated suggestions, budgeting recommendations, or calculations are intended solely to assist users in managing their personal finances.

Users remain solely responsible for all financial decisions.

32. Limitation of Liability

To the maximum extent permitted by applicable law, Arthnaut Fintech LLP, its partners, employees, officers, directors, affiliates, licensors, and service providers shall not be liable for any:

  • direct losses arising from user-entered inaccuracies;

  • indirect damages;

  • incidental damages;

  • consequential damages;

  • loss of profits;

  • loss of business opportunities;

  • loss of goodwill;

  • financial losses;

  • investment losses;

  • insurance claim disputes;

  • loss of data;

  • loss arising from third-party products or services;

  • interruption of business;

  • unauthorised access caused by user negligence.

Where liability cannot legally be excluded, it shall be limited to the maximum extent permitted by applicable law.

33. Third-Party Products and Services

The Services may include links, integrations, or access to third-party products and services, including:

  • Mutual Funds

  • Insurance

  • Bonds

  • Banking services

  • Payment gateways

  • Cloud infrastructure

  • Analytics providers

These services are operated by independent entities.

DisciFin does not control or guarantee the quality, performance, security, or suitability of third-party products or services.

Any agreement entered into with a third party is solely between you and that third party.

34. Indemnity

You agree to indemnify, defend, and hold harmless Arthnaut Fintech LLP, its partners, employees, directors, officers, affiliates, licensors, and service providers from and against any claims, losses, liabilities, damages, costs, or expenses (including reasonable legal fees) arising from:

  • your use of the Services;

  • your violation of these Terms;

  • inaccurate information provided by you;

  • misuse of the App;

  • infringement of third-party rights;

  • violation of applicable laws.

This obligation survives termination of your account.

35. Force Majeure

Arthnaut Fintech LLP shall not be liable for any delay or failure in performing its obligations due to events beyond its reasonable control, including but not limited to:

  • natural disasters;

  • floods;

  • earthquakes;

  • fire;

  • war;

  • terrorism;

  • civil unrest;

  • government actions;

  • internet failures;

  • cloud service outages;

  • cyberattacks;

  • power failures;

  • pandemics;

  • labour disputes.

Performance shall be suspended for the duration of such events.

36. Beta Features

From time to time, DisciFin may introduce beta, experimental, or preview features.

Such features are provided for testing and feedback purposes and may:

  • contain bugs or errors;

  • be modified or withdrawn at any time;

  • not function as expected;

  • have limited support.

Users access beta features at their own discretion.

37. Future Premium Services

DisciFin is currently offered as a free application.

In the future, we may introduce premium features, subscription plans, or paid services, including but not limited to:

  • Advanced financial reports

  • AI-powered financial coaching

  • Premium analytics

  • Investment planning tools

  • Family financial management

  • Goal planning services

  • Educational courses

  • Additional financial products

  • Other premium features

The availability of such services shall be subject to separate pricing, terms, and conditions communicated at the time of subscription.

Users shall have the opportunity to review applicable charges before purchasing any paid service.

38. Payments and Billing

Where paid services are introduced:

  • Payments may be processed through authorised payment gateways, Google Play Billing, Apple In-App Purchase, UPI, cards, net banking, or other supported payment methods.

  • Applicable taxes shall be charged in accordance with law.

  • Users are responsible for ensuring that payment information is accurate.

  • Failure to complete payment may result in suspension or cancellation of the relevant premium service.

DisciFin does not store complete debit card, credit card, or banking credentials.

39. Refund Policy

Unless otherwise required by applicable law or the terms of a specific subscription plan:

  • Subscription fees and service charges are generally non-refundable.

  • Refund requests, where applicable, will be evaluated on a case-by-case basis.

  • Purchases made through Google Play or the Apple App Store may also be subject to their respective billing and refund policies.

Nothing in this clause limits any rights available to consumers under applicable law.

40. Privacy Policy

Your privacy is important to us.

Our collection, use, storage, processing, sharing, and protection of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms.

By using the Services, you acknowledge that you have read and understood the Privacy Policy.

In the event of any inconsistency between these Terms and the Privacy Policy regarding data handling, the Privacy Policy shall prevail with respect to the processing of personal information.

41. Data Deletion

Users may request deletion of their account and personal information in accordance with the Privacy Policy.

Following successful verification:

  • your account may be permanently deleted;

  • personal information may be deleted or anonymised;

  • certain information may be retained where required by law or for legitimate business purposes, such as fraud prevention, dispute resolution, or regulatory compliance.

Deletion of your account may result in the permanent loss of:

  • financial history;

  • reports;

  • goals;

  • achievements;

  • Financial Belt Certifications;

  • settings; and

  • other account-related information.

This action may be irreversible.

42. Modifications to the Services

We continually improve DisciFin and may:

  • add new features;

  • modify existing features;

  • discontinue features;

  • introduce new financial products;

  • improve AI capabilities;

  • change user interfaces;

  • update pricing;

  • improve security.

We reserve the right to make such changes without prior notice where reasonably necessary for operational, security, legal, or technical reasons.

Where changes materially affect your rights or obligations, we will provide appropriate notice where required by law.

43. Changes to these Terms

We may revise these Terms from time to time to reflect:

  • legal or regulatory changes;

  • new Services or features;

  • operational improvements;

  • security enhancements;

  • business developments.

The updated Terms will become effective upon publication unless a different effective date is specified.

Where required by applicable law, we will notify users of material changes through the App, website, email, or other appropriate means.

Continued use of the Services after the effective date of the revised Terms constitutes acceptance of the updated Terms.

44. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the Republic of India.

Nothing in these Terms shall limit any mandatory consumer protection rights available under applicable law.

45. Dispute Resolution

We encourage users to contact us first if they have any questions, concerns, or disputes regarding the Services.

We will make reasonable efforts to resolve disputes amicably.

If a dispute cannot be resolved through mutual discussions, it shall be subject to the exclusive jurisdiction of the competent courts located in Mumbai, Maharashtra, India, unless otherwise required by applicable law.

46. Notices

Any notices under these Terms may be provided by:

  • email;

  • in-app notifications;

  • publication on our website;

  • publication within the App; or

  • any other reasonable means.

Notices shall be deemed received when sent or published, as applicable.

47. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

Arthnaut Fintech LLP may assign or transfer its rights and obligations in connection with a merger, acquisition, restructuring, or sale of business, subject to applicable law.

48. Severability

If any provision of these Terms is held to be invalid, unlawful, or unenforceable, the remaining provisions shall continue in full force and effect.

The invalid provision shall be interpreted, where possible, in a manner that most closely reflects its original intent.

49. Waiver

Failure by Arthnaut Fintech LLP to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

Any waiver shall be effective only if made in writing by an authorised representative of Arthnaut Fintech LLP.

50. Entire Agreement

These Terms, together with the Privacy Policy and any additional policies expressly incorporated by reference, constitute the complete agreement between you and Arthnaut Fintech LLP regarding the use of the Services.

They supersede all prior agreements, communications, and understandings relating to the Services.

51. Contact Information

If you have any questions regarding these Terms, please contact us:

Arthnaut Fintech LLP

Website: www.discifin.co

Email: connect@discifin.co

52. Acceptance

By downloading, installing, registering for, accessing, or using the DisciFin App, you confirm that:

  • you have read these Terms;

  • you understand these Terms;

  • you agree to be legally bound by these Terms;

  • you agree to comply with all applicable laws while using the Services; and

  • you consent to the collection and processing of your information as described in the Privacy Policy.

If you do not agree with these Terms, you must discontinue use of the Services immediately.