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Last updated: February 2026
This document establishes a binding agreement between you (“User”) and BLOSTEM FinTech Private Limited (“Blostem”, “we”, “our”, or “the Company”) regarding access to and use of our Platform through partner applications. By accessing or using the Platform, you acknowledge acceptance of these Terms, including compliance with our Privacy Policy.
Please read these Terms carefully to ensure that you understand each provision. For clarification, contact us at contact@blostem.com.
BLOSTEM FinTech operates a platform enabling users to obtain financial advice, establish financial goals, tag brands, earn reward points, and purchase partner products. Our Services include financial planning tools and product aggregation functionality.
Users receive a personal, limited, non-exclusive, revocable, non-transferable, non-licensable license contingent on agreement compliance. Users may not claim ownership of Blostem content or data. Users bear responsibility for adequate internet connectivity and associated costs. The Platform functions as a medium connecting stakeholders; Blostem makes no guarantees regarding service availability or specific functionality.
Blostem and its licensors retain exclusive ownership of all Platform content, including graphics, trademarks, and editorial material protected by intellectual property law. Users may not use proprietary content beyond permitted Platform access. The Company reserves all copyrights, patents, trademarks, and trade secrets except as expressly granted in this agreement.
Our separate Privacy Policy describes how we handle personal and financial information. By using the Platform, you consent to the collection, transfer (including internationally), and use of your information by Blostem, Partners, and affiliates.
By using the Platform, you represent that you:
Users access the Platform exclusively through authorized applications (Google Play Store or Apple App Store). Blostem reserves the right to disable access for agreement violations. Users must cooperate regarding security breaches and bear responsibility for non-compliance consequences.
Data Management: Upon written request, Blostem provides a list of your personal information within 60 days and deletes information upon request within 60 days, though deletion prevents continued service provision. Contact contact@blostem.com for data requests.
You are responsible for maintaining the confidentiality of your account credentials and login information. You must promptly change your credentials and notify Blostem at contact@blostem.com upon discovering unauthorized access. Blostem assumes no liability for losses arising from credential-related issues.
Blostem maintains user confidential information per our Privacy Policy. Third parties sharing information operate under contractual confidentiality obligations. Users may not disclose service information to third parties or use information for unauthorized purposes beyond personal use. Blostem may disclose information to legal authorities as required by law.
Users agree to indemnify, defend, and hold Blostem harmless from all losses, liabilities, claims, damages, costs, and expenses arising from breach or non-performance of representations, warranties, covenants, or obligations under this agreement. This includes third-party claims stemming from Platform use, user-caused damage, agreement violations, or infringement of others' rights. Blostem retains defense control rights at the user's expense, requiring cooperation and prohibiting settlement without written consent.
Blostem, its subsidiaries, affiliates, and personnel are not liable for:
Total liability is capped at the aggregate amount you paid in the concerned transaction. These limitations apply to both foreseeable and unforeseeable losses.
Subscription fees are mutually determined between Blostem and the User. Non-payment may result in service termination. Users must provide a valid payment card with sufficient funds, warrant legal authorization to provide payment card information, and bear responsibility for payment security and confidentiality.
Users acknowledge that Blostem bears no liability for indirect, punitive, exemplary, incidental, special, or consequential damages. Maximum liability shall not exceed one times (1x) the aggregate of payments received. Implied warranty disclaimers apply to minimum legal limits.
Platform services may be suspended, disabled, or modified due to inactive accounts, agreement non-compliance, user death, insolvency, bankruptcy, or operational necessity.
Upon termination, no Investment Advisory Fees or other fees are refundable.
Copyright claims require written notification to our designated agent containing:
Copyright Agent: Mr. Ravi Jain, contact@blostem.com
Misrepresentation of material facts may subject complainants to liability for damages, costs, and attorney fees.
This agreement benefits only the User. Users cannot assign agreement rights or obligations to any third party. Attempted assignments are void.
Users shall not promote, use, distribute, transfer, provide, sub-license, share, or offer the Platform in violation of any applicable laws or this agreement.
Agreement violations constitute unlawful and unfair business practices causing irreparable harm. Users consent to Blostem obtaining injunctive or equitable relief. Such remedies supplement all other legal remedies available.
Blostem reserves the right to modify these Terms at its discretion. Modifications are communicated via email, app notifications, or Platform updates. Continued use of the Platform after modifications constitutes consent to the updated Terms.
The parties are independent contractors. This agreement does not constitute a partnership, joint venture, shareholder arrangement, employment, or agency relationship. Users lack authority to bind Blostem and cannot represent themselves as Blostem agents.
This agreement is governed by the laws of India without application of conflict-of-law provisions. Exclusive jurisdiction and venue rest with the courts of New Delhi.
All claims, disputes, or differences shall be referred to arbitration before a mutually appointed sole arbitrator under the Arbitration and Conciliation Act, 1996. The seat of arbitration is New Delhi, India. Proceedings shall be conducted in English, and the award shall be final and binding on both parties.
Email: contact@blostem.com
Address: 8A/37G, GF, Plot No-37G, Block No-8A, W.E.A Karol Bagh, Delhi, India 110005