Legal · Effective Date: 10 July 2026
Terms of Service
Plain language. No surprises.
Welcome to Viniyog ONE. These Terms govern your use of our platform. We've written them to be as clear as possible — because clarity is what we're about.
1. Who We Are
Viniyog ONE is an AI-powered financial education and guidance platform. We help young Indians understand money through conversations, tools, and learning resources. We are not a SEBI-registered investment adviser. We do not manage portfolios or execute trades.
2. Who Can Use Viniyog ONE
You must be at least 18 years old. By using the platform, you confirm this.
3. What You Can Expect From Us
- Honest, educational financial content
- A Viniyog AI that explains before it recommends
- Tools that help you think — not decide for you
- A platform built around your understanding, not our commissions
4. What We Expect From You
You agree not to:
- Misuse the platform or attempt unauthorized access
- Upload malicious code or attempt to disrupt services
- Impersonate another person
- Use Viniyog ONE for any unlawful purpose
5. AI Responses
Viniyog AI generates responses for educational purposes. These are not personalized investment advice. You should independently verify important financial information and consult qualified professionals before making decisions.
6. Your Financial Decisions Are Yours
Viniyog ONE does not guarantee any financial outcome. Every investment involves risk. Every decision you make based on content from this platform is your own responsibility. We exist to help you think more clearly — not to think for you.
7. Intellectual Property
All content on this platform — branding, logos, software, AI workflows, copy, and design — belongs to Viniyog Futuristics Technologies Private Limited unless otherwise stated. You may not reproduce, distribute, or use our content without written permission.
8. Third-Party Services
We integrate with third-party services including cloud providers, analytics tools, and financial institution partners. We are not responsible for their platforms, content, or terms.
9. Limitation of Liability
To the maximum extent permitted by Indian law, Viniyog ONE is not liable for financial losses, investment losses, or consequential damages arising from use of this platform.
10. Termination
We reserve the right to suspend or terminate access for violations of these Terms. We'll tell you why, unless we're legally prevented from doing so.
11. Governing Law
These Terms are governed by the laws of India. Disputes shall be subject to the jurisdiction of courts in Kolkata, West Bengal.