Terms of Service — BeatMyEMI

1. Acceptance of Terms

By accessing and using BeatMyEMI ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

BeatMyEMI is an AI-powered debt optimization platform that provides tools to:

Track and manage multiple loans and debts
Project EMI-free dates and payoff timelines
Simulate different payment scenarios and strategies
Provide AI-powered optimization recommendations
Generate reports and insights for debt management

Important: BeatMyEMI is a financial planning and optimization tool. We do not provide loans, financial advice, or guarantee specific financial outcomes.

3. User Eligibility

To use BeatMyEMI, you must:

Be at least 18 years old or the age of majority in your jurisdiction
Have the legal capacity to enter into binding agreements
Comply with all applicable laws and regulations
Provide accurate and truthful information

4. User Accounts and Security

You are responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account
Notifying us immediately of any unauthorized use
Ensuring your account information is accurate and up-to-date

5. Acceptable Use Policy

You agree not to:

Use the service for any illegal or unauthorized purpose
Attempt to gain unauthorized access to our systems
Interfere with or disrupt the service or servers
Share false or misleading information
Use the service to harm others or their financial interests
Reverse engineer or attempt to extract source code

6. Data and Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these terms by reference.

7. Disclaimers and Limitations

Financial Projections: All projections, estimates, and calculations provided by BeatMyEMI are for planning purposes only. Actual results may vary based on many factors including but not limited to interest rate changes, payment variations, and lender policies.

No Financial Advice: BeatMyEMI provides tools and insights but does not constitute financial advice. We recommend consulting with qualified financial professionals for personalized advice.

Service Availability: We strive to maintain high service availability but cannot guarantee uninterrupted access to the service.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Infynia Labs and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or relating to your use of the service.

9. Intellectual Property

BeatMyEMI and all related content, features, and functionality are owned by Infynia Labs and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, or distribute our content without permission.

10. Termination

We may terminate or suspend your access to the service immediately, without prior notice, for any reason, including breach of these terms. Upon termination, your right to use the service will cease immediately.

11. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of significant changes via email or through the service. Your continued use of the service after changes constitutes acceptance of the new terms.

12. Governing Law

These terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

13. Contact Information

If you have any questions about these Terms of Service, please contact us:

Email: legal@infynialabs.com
Address: Infynia Labs, India
Website: infynialabs.com