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Privacy Policy

Last Updated: January 1, 2025 | Effective Date: January 1, 2025

EarnifyMoney ("we", "our", "us") is committed to protecting your personal information and your right to privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website earnifymoney.com or engage with our refer and earn services.

1. Information We Collect

We collect information that you provide directly to us when you register, fill an enquiry form, or contact us. This includes:

• Full Name
• Mobile Number / WhatsApp Number
• City and Location Details
• Email Address (if provided)
• Product Interest and Referral Information

We may also automatically collect certain technical information such as browser type, IP address, pages visited, and time spent on our website through standard web analytics tools.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To process your referral enquiries and connect you with appropriate financial product providers
• To communicate with you via WhatsApp, phone, or email regarding your referrals and earnings
• To verify your identity and prevent fraudulent referrals
• To send updates, promotional content, and new product information (you may opt out at any time)
• To comply with legal obligations and regulatory requirements
• To improve our website, services, and user experience

3. Sharing of Information

We do not sell your personal information to third parties. We may share your information only in the following circumstances:

• With financial product partners (banks, NBFCs, insurers) solely to process your or your referrals' applications
• With technology service providers who assist in operating our website and services, under strict confidentiality agreements
• When required by law, court order, or governmental authority
• In connection with a business merger, acquisition, or transfer of assets

4. Data Retention

We retain your personal data for as long as necessary to fulfill the purposes described in this policy, or as required by applicable laws. Referral records may be kept for a minimum of 3 years for accounting and compliance purposes.

5. Cookies

Our website may use cookies and similar tracking technologies to enhance your browsing experience. You can control cookie settings through your browser preferences. Disabling cookies may limit certain website features.

6. Your Rights

You have the right to access, correct, or request deletion of your personal information held by us. To exercise these rights, please contact us at earnifymoney35@gmail.com or call +91 86685 78596.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no internet transmission is 100% secure.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review their privacy policies.

9. Children's Privacy

Our services are intended for individuals aged 18 years and above. We do not knowingly collect personal data from minors. If you believe a minor has submitted information to us, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance of the updated policy.

11. Contact Us

For any privacy-related questions or concerns:
EarnifyMoney
Bareilly, Uttar Pradesh, India – 243001
Email: earnifymoney35@gmail.com
Phone: +91 86685 78596

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Terms & Conditions

Last Updated: January 1, 2025

Welcome to EarnifyMoney. By accessing or using our website and services, you agree to be bound by these Terms and Conditions. Please read them carefully before participating in our Refer & Earn program.

1. Eligibility

To participate in the EarnifyMoney Refer & Earn program, you must:

• Be at least 18 years of age
• Be a resident of India
• Provide accurate and verifiable personal information
• Not be an existing employee or agent of any financial institution we partner with

2. Referral Program Rules

• Referrals must be genuine leads — individuals who are actually interested in the financial product
• Self-referrals (referring yourself or creating fake leads) are strictly prohibited and will result in immediate account termination
• Each referred individual must be a unique person not previously submitted to us or our partners
• Referrals must provide accurate and complete information for processing
• EarnifyMoney reserves the right to verify the authenticity of any referral before processing rewards

3. Earnings & Payouts

• Referral rewards are paid only upon successful completion of the referred product (e.g., account opening, loan disbursement, policy issuance)
• Reward amounts are determined by EarnifyMoney and may vary by product, partner, and applicable promotions
• Payout timelines depend on confirmation from the respective financial partner and may take 15–45 working days
• EarnifyMoney reserves the right to modify, suspend, or discontinue reward amounts at any time with or without prior notice
• Rewards are subject to applicable taxes as per Indian tax laws. TDS may be deducted as required

4. Prohibited Conduct

You agree not to:

• Submit false, misleading, or fraudulent referral information
• Misrepresent EarnifyMoney or our partner financial institutions
• Use spam, unauthorized marketing, or cold-calling tactics to generate referrals
• Violate any applicable laws while promoting our services
• Make false promises or guarantees to potential referrals about financial products

5. Termination

EarnifyMoney reserves the right to suspend or terminate any account at its sole discretion if there is reasonable suspicion of fraud, misuse, violation of these terms, or any activity that harms the company or its partners.

6. Intellectual Property

All content on our website, including logos, text, graphics, and design, is the exclusive property of EarnifyMoney. Unauthorized use, reproduction, or distribution is strictly prohibited.

7. Limitation of Liability

EarnifyMoney shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our services, including loss of earnings due to rejection of a referral by a financial partner. Our maximum liability shall not exceed the referral reward amount for the disputed transaction.

8. Governing Law

These Terms shall be governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Bareilly, Uttar Pradesh, India.

9. Modifications

We may update these Terms at any time. Continued use of our services after changes constitutes acceptance. We encourage you to review these Terms periodically.

10. Contact

EarnifyMoney, Bareilly, Uttar Pradesh – 243001
Email: earnifymoney35@gmail.com | Phone: +91 86685 78596

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Disclaimer

Last Updated: January 1, 2025

The information provided on EarnifyMoney (earnifymoney.com) is for general informational and referral facilitation purposes only. It does not constitute financial, investment, legal, or tax advice.

1. Not a Financial Advisor

EarnifyMoney is a referral facilitation platform. We are not a bank, non-banking financial company (NBFC), insurance company, or registered investment advisor. We do not provide financial planning services or make investment recommendations. Users are advised to independently consult certified financial advisors before making any financial decisions.

2. Third-Party Products

All financial products promoted on this platform (Demat Accounts, Bank Accounts, Credit Cards, Loans, Mutual Funds, Insurance) are offered by third-party financial institutions regulated by SEBI, RBI, IRDAI, or other applicable regulatory bodies. EarnifyMoney does not guarantee approval, interest rates, terms, or features of any product. Final decisions on approvals rest solely with the respective financial institutions.

3. Earnings Disclaimer

Referral earnings mentioned on this platform are indicative and subject to change. Actual earnings depend on successful completion of the referred product application, adherence to partner terms, and other conditions. EarnifyMoney does not guarantee any specific income level from participation in the Refer & Earn program.

4. Accuracy of Information

While we strive to keep information accurate and up-to-date, EarnifyMoney makes no warranties or representations regarding the completeness, reliability, or accuracy of any content on this website. Product terms, rates, and features may change without prior notice by the respective financial partners.

5. No Guarantee of Results

Past referral success rates or testimonials shared on this platform do not guarantee similar future outcomes. Individual results may vary significantly based on factors beyond our control.

6. External Links

Links to third-party websites on our platform are provided for convenience only. EarnifyMoney does not endorse, control, or accept responsibility for the content, privacy policies, or practices of any linked websites.

7. Regulatory Compliance

EarnifyMoney operates as a referral connector and does not engage in regulated financial activities such as broking, insurance selling, or lending. Any activity requiring regulatory licensing is carried out solely by our licensed financial partners.

8. Contact

For any queries: earnifymoney35@gmail.com | +91 86685 78596
Bareilly, Uttar Pradesh, India – 243001

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Refund Policy

Last Updated: January 1, 2025

EarnifyMoney offers a completely free-to-join Refer & Earn platform. There is no fee, subscription, or payment required from any user to register or participate. This Refund Policy outlines our position on any monetary transactions that may occur.

1. No Registration Fee

EarnifyMoney does not charge any registration fee, membership fee, or joining fee. If you have been asked to pay any amount by any individual claiming to represent EarnifyMoney, please report it immediately to earnifymoney35@gmail.com. Such requests are unauthorized and fraudulent.

2. Referral Rewards

Referral rewards are earned by referring successful applicants for financial products. These rewards are not payments made by users — they are earnings paid by EarnifyMoney to referrers. Hence, no refund of referral earnings is applicable.

3. Reversal of Incorrect Payouts

In the event that a referral reward was paid in error (due to a system glitch, duplicate entry, fraud, or misrepresentation), EarnifyMoney reserves the right to reverse or adjust such payments from future earnings or seek recovery through appropriate means.

4. Disputed Referrals

If a referral reward is withheld due to non-qualification, non-approval, or fraud, the user may raise a dispute by contacting us within 30 days of the expected payout date. Disputes will be reviewed and resolved within 15 working days.

5. Contact for Disputes

To raise a payout dispute or refund query:
Email: earnifymoney35@gmail.com
WhatsApp: +91 86685 78596
Address: Bareilly, Uttar Pradesh, India – 243001