Terms & Conditions

Last updated: 26 February 2026 | Effective Date: 26 February 2026

1. Introduction & Acceptance

Welcome to MoneyMentor Digital ("Website", "Platform", "we", "us", or "our"), operated by Unistack Software Pvt. Ltd.. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User", "Customer", "you", or "your") and Unistack Software Pvt. Ltd..

By accessing this website, browsing our content, or making a purchase, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, Refund Policy, and all applicable laws and regulations of India.

2. Definitions

• "Products" refers to digital eBooks and educational materials available for purchase on this platform.
• "Services" refers to the sale and delivery of digital products through this website.
• "Order" refers to a purchase request placed by you for our Products.
• "Download Link" refers to the secure URL provided to access purchased digital content.
• "Personal Data" means any information relating to an identified or identifiable individual.

3. Eligibility

To use this website and purchase products, you must:

• Be at least 18 years of age, or have parental/guardian consent if you are a minor
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information during registration and checkout
• Have a valid email address for receiving order confirmations and download links

4. Products & Services

4.1 Nature of Products

All products sold on this website are digital downloads (eBooks in PDF format). These are educational materials focused on personal finance topics relevant to the Indian context. No physical products are shipped.

4.2 Product Descriptions

We strive to provide accurate descriptions, pricing, and images of our products. However, we do not warrant that product descriptions or other content is accurate, complete, reliable, current, or error-free.

4.3 Availability

All digital products are generally available for immediate download upon successful payment. We reserve the right to discontinue any product at any time without prior notice.

5. Pricing & Payment

5.1 Pricing

• All prices are displayed in Indian Rupees (INR)
• Prices are inclusive of applicable GST (Goods and Services Tax)
• The final payable amount will be clearly displayed before checkout
• We reserve the right to change prices at any time without prior notice
• Promotional prices are valid only for the specified duration

5.2 Payment Methods

We accept payments through:

• UPI (Google Pay, PhonePe, Paytm, BHIM, etc.)
• Credit Cards (Visa, Mastercard, RuPay)
• Debit Cards
• Net Banking

5.3 Payment Security

All payment transactions are processed through secure, PCI-DSS compliant payment gateways. We do not store your complete card details on our servers in compliance with RBI tokenization guidelines.

5.4 GST & Invoicing

GST is included in the displayed price. A GST-compliant invoice will be available for download after purchase. The invoice will include the GST breakdown as per applicable rates.

6. Order Process & Delivery

6.1 Placing an Order

1. Add desired products to your cart
2. Proceed to checkout
3. Enter your contact details (name, email, phone)
4. Verify your state and pincode for serviceability
5. Select payment method and complete payment

6.2 Order Confirmation

Upon successful payment, you will receive:

• An on-screen order confirmation with download links
• An email confirmation with order details and download links
• A unique Order ID for future reference

6.3 Digital Delivery

Digital products are delivered instantly via:

• Delivery Method: Secure download links
• Delivery Time: Immediate (within seconds of payment confirmation)
• Download Validity: 72 hours from purchase
• Download Limit: 5 downloads per product
• File Format: PDF

7. Download Policy

• Download links are valid for 72 hours from the time of purchase
• Each product can be downloaded a maximum of 5 times
• It is your responsibility to save the downloaded files securely
• We are not responsible for download failures due to your internet connection or device issues
• If you face technical issues, contact us within 24 hours of purchase

8. Intellectual Property Rights

8.1 Ownership

All content on this website, including but not limited to text, graphics, logos, images, eBooks, and software, is the property of Unistack Software Pvt. Ltd. and is protected by Indian and international copyright laws.

8.2 License to Use

Upon purchase, you are granted a limited, non-exclusive, non-transferable license to:

• Download and store the purchased eBook on your personal devices
• Read and use the content for personal, non-commercial purposes

8.3 Restrictions

You may NOT:

• Redistribute, share, resell, or publish the content in any form
• Modify, adapt, or create derivative works
• Remove any copyright or proprietary notices
• Use the content for commercial purposes without written permission
• Upload the content to file-sharing platforms

9. Disclaimer & Limitation of Liability

9.1 Educational Purpose

9.2 No Guarantee

We do not guarantee any specific financial results from following the information in our products. Individual results may vary based on various factors including personal financial situation, market conditions, and implementation.

9.3 Limitation of Liability

To the maximum extent permitted by applicable law, Unistack Software Pvt. Ltd. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses.

10. Refund & Cancellation

Due to the digital nature of our products, all sales are generally final. However, refunds may be considered in specific circumstances as outlined in our Refund Policy.

• Refund Request Window: 7 days from purchase
• Processing Time: 5-7 business days
• Refund Credit Time: 7-10 business days to original payment method

11. User Conduct

By using this website, you agree not to:

• Violate any applicable laws or regulations
• Infringe upon intellectual property rights
• Attempt to gain unauthorized access to our systems
• Transmit any malicious code or interfere with website functionality
• Provide false or misleading information
• Use the website for any fraudulent or illegal purpose

12. Indemnification

You agree to indemnify, defend, and hold harmless Unistack Software Pvt. Ltd., its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of this website, violation of these Terms, or infringement of any third-party rights.

13. Modification of Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on this website. Your continued use of the website after any changes constitutes acceptance of the modified Terms. We recommend reviewing these Terms periodically.

14. Governing Law & Jurisdiction

15. Dispute Resolution

In case of any dispute, we encourage you to first contact us directly to seek an amicable resolution. If the dispute cannot be resolved informally, it shall be referred to arbitration in accordance with the Arbitration and Conciliation Act, 1996.

16. Severability

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

17. Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Unistack Software Pvt. Ltd. regarding your use of this website.

18. Grievance Redressal

19. Contact Us

For any questions, concerns, or feedback regarding these Terms & Conditions, please contact us:

• Email: info@moneymentordigital.com
• Phone: +91-7207465764
• Address: #769, 2nd Floor, 1st Cross, Ring Road, Kengeri Upanagar, Bangalore - 560060