Terms and Conditions

Pre IPO | Unlisted Shares User offer: ₹200 Amazon Voucher and 0.25% offer benefit on 1st successful transaction – Terms and Conditions

User Benefits:

Eligibility: This offer is valid for both New and Existing users who have signed up on InCred Money. This is applicable for users signing up on the InCred Money Pre IPO | Unlisted Shares platform.
Offer benefit of ₹200 Amazon Voucher and 0.25% offer benefit transaction is applicable only for 1st transaction.
Product Type: Offer is applicable on Pre IPO | Unlisted Shares only.
Minimum requirement: It is applicable even on purchase of just 1 share.
Benefits: Upon meeting the eligibility criteria and successfully purchasing Unlisted Shares, you will receive a ₹200 Amazon gift voucher on your registered email ID. Amazon vouchers issued will carry 6-7 year validity from the date of issue.

Referrer Benefits:

Referrer will earn referral benefit for every new referral.
Referrer will receive ₹200 Amazon Voucher and 1% offer benefit on 1st successful transaction by his/her referral.
Referrer will receive ~~0.25%~~ 1% Transaction benefit only on 2nd successful transaction onwards completed by his/her referral till 30th April 2025.
Referrer will receive a maximum of ₹10,000 per referral.
Referrer can refer any number of referrals.
Alpha Fintech Private Limited reserves the right at any time, without prior notice and without assigning any reason whatsoever to add/modify/alter/change and/or withdraw this offer at any time at its sole discretion.
Customer unequivocally and irrevocably agrees that in case of any dispute, the decision of Alpha Fintech Private Limited will be final and binding.

FD New User Offer: ₹250 Amazon Voucher - Terms and Conditions

Eligibility: New user: This offer is only valid for users who have signed up on InCred Money on or after 13th March 2024. This is applicable for users signing up on the InCred Money FD platform only.
FD Type: Offer is applicable on bank FD only. This offer is not applicable on NBFC/Corporate FD due to regulatory restrictions.
Minimum deposit amount: It is applicable for minimum deposit amount of ₹5,000 and minimum tenure of 1 year.
Benefits: Upon meeting the eligibility criteria and successfully opening a Bank FD, you will receive a ₹250 Amazon gift voucher on your registered email ID. Only 60 days of booking an FD, provided there is no premature withdrawal of the FD before that. Amazon vouchers issued will carry a 1 year validity from the date of issue.
Alpha Fintech Private Limited reserves the right at any time, without prior notice and without assigning any reason whatsoever to add/modify/alter/change and/or withdraw this offer at any time at its sole discretion.
Customer unequivocally and irrevocably agrees that in case of any dispute, the decision of Alpha Fintech Private Limited will be final and binding.
This offer is not applicable for users who already have an account with the bank with which the FD is opened.

InCred Money Pro - Terms and Conditions

Eligibility: New user: This offer is applicable for users who make a cumulative deposit of FD sums in Fixed Deposits offered on InCred Money (banks or NBFCs).
Benefits: Upon investing ₹5 lakhs in FD on InCred Money, you will be upgraded to InCred Money pro within 1 working days. You will receive an email communicating the same to you.
Terms & conditions for the membership program:
- Customer should be a registered Customer of InCred Money.
- Customer should be of an age 18 years or above and of sound mind at the time of being a part of the contest & should have valid proof of identity and address.
- Employees of InCred Money, their immediate family members, InCred Money Affiliates, advisors, advertising/partner agencies are not eligible to enter the contest.
- Customer should be an individual legal resident of the Republic of India.
- Participation in the Offer is voluntary and free. Participation in the Offer will be construed as acceptance of the Terms & Conditions of the Offer and participant warrants that he/she is willing to be bound by the Terms & Conditions. By accepting the Terms & Conditions of this offer, Alpha Fintech Private Limited is not charging anything from the customer for their participation in the offer.
- The reward under no circumstances will be settled in Cash/cannot be transferred.
- This is an electronic record in terms of Information Technology Act, 2000, and the rules thereunder as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
- Alpha Fintech Private Limited reserves the right at any time, without prior notice and without assigning any reason whatsoever to add/modify/alter/ change and/or withdraw this offer at any time at its sole discretion.
- Customer unequivocally and irrevocably agrees that in case of any dispute, the decision of Alpha Fintech Private Limited will be final and binding.
- The competent Court of Mumbai shall have the exclusive jurisdiction for any matter or dispute related to Alpha Fintech Private Limited.
- This offer/scheme shall be subjected to all applicable central/or state laws, rules and regulations

Terms and Conditions for the Liquidation Program

'Anytime Liquidity' feature offers liquidity to investors only after 21 days from their order processed date.
Cost of liquidity provided is 2% of the latest market to market price per unit.

For Corporate Bonds

Please follow the steps for Liquidating your Bond. If any step is pending, the liquidation will remain incomplete:

Step 1 - Enter the units that you want to liquidate and click on 'Request Quote'. You can liquidate any number of units up to a maximum of the total free units available. You will now get an OTP on your Mobile and Email. Input the OTP to confirm your request. Once confirmed, your liquidation price will be finalized, and the liquidation price will be frozen.

Step 2- Once the redemption amount is finalized, you will have to complete the transaction through your broker platform which is linked to your DEMAT account. On the 3rd working day post confirming the liquidation (T+3 basis), the investor will have to place a Sell Order through their Broker at the liquidation price and units confirmed in the earlier step.

This order will be accepted from our side and once the order is matched on the Stock Exchange, the units will be debited from your DEMAT account. You will receive the funds in your account as per stock exchange regulations.

Important Note: The price of the bond and the redemption amount will be frozen irrespective of whether the transaction in Step 3 is conducted or not through the broker platform. If you have missed concluding the transaction at the designated time, you can contact our Customer Support team and we will arrange for the transaction to be concluded on another date at the same price and redemption amount frozen earlier.

For Market Linked Debentures

Please follow the steps for Liquidating your MLD. If any step is pending, the liquidation will remain incomplete:

Step 2 - You will receive a notification once the fresh quote is ready, and you can complete the liquidation process by logging in on the InCred Money platform. Navigate to 'My Recent Transactions/Details' on the asset that you are looking to liquidate. Click on 'Quote Ready' to check the fresh quote. You may accept the quote by clicking on 'Liquidate Now'. The quote will be confirmed based on market movements. At this step, you are redirected to a new 'Liquidate Now' screen. This quote is visible on the landing/home screen, navigating the 'Confirm Now' button the quote will become invalid, and the request will need to regenerate.

Step 3 - Once you click on 'Liquidate Now', another OTP will be generated which you will receive on your Email and Mobile. Once you input this OTP, Liquidation Screen will confirm the liquidation price, the redemption amount will be finalized.

Step 4 - Once the redemption amount is finalized, you will have to complete the transaction through your broker platform which is linked to your DEMAT account. On the 3rd working day post confirming the liquidation (T+3 basis), the investor will have to place a Sell Order through their Broker at the liquidation price and units confirmed in the earlier step.

Important Note: The price of the MLD and the redemption amount will be frozen irrespective of whether the transaction in Step 4 is conducted or not through the broker platform. If you have missed concluding the transaction at the designated time, you can contact our Customer Support team and we will arrange for the transaction to be concluded on another date at the same price and redemption amount frozen earlier.

Refunds

All refunds will be processed within 7 working days. For any queries, please write to support@incredmoney.com.

Terms & Conditions for New Customer Offer

Customers are eligible to avail Offer benefit of 0.25% extra returns on their 1st investment only if they have successfully verified their KYC within 7 days of Sign Up. Please Note: The Offer benefit expires after 30 days from successful KYC verification.
The Offer benefit is applicable for IPO Investments.
For customers with existing investments, the above offer benefit on their First investment of ₹50k or MLD.
The offer is not applicable for Special Sure Deals like Diwali, Holi etc.

Consent to receive marketing & transactional communications

Registered users confirm & acknowledge that by registering on our apps and website, they give consent to InCred Money for sending promotional, marketing & transactional communications to them regularly through email, whatsapp, sms, phone call, and no such communication shall be deemed to be in violation of law.

This document is an electronic record in terms of Information Technology Act, 2000 and rules made there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and Terms and Conditions for access or usage of www.incredmoney.com website or its iOS and android applications.

The domain name ‘www.incredmoney.com’ (hereinafter referred to as "Website" or "the Site") is owned and operated by Oro Financial Consultants Pvt Ltd and /or Alpha Fintech Pvt Limited and/or its subsidiaries ("Company", "InCred Money", "we", "us", "InCred Money"). Your access to the Site is subject to the terms, conditions and disclaimers appearing on the Site ("Terms and Conditions"), and all applicable laws. By accessing, browsing and/or using the Site, you accept, without limitation or qualification, the Terms and Conditions, which together with our privacy policy and any other applicable policies which are incorporated herein by way of reference or available by hyperlink on the Site, shall govern InCred Money’s relationship with you in relation to this Site. Accessing InCred Money on its online technology platform through any medium, including but not limited to the website, on mobile phones and such other devices, is also subject to these Terms & Conditions. These Terms & Conditions supersede all previous oral and written terms and conditions (if any) communicated to you and shall act as an Agreement between InCred Money and users.

Minimum Age: You must be 18 years of age or older to use the Site. It is not intended for those under the age of 18. You represent and warrant that you are 18 years of age or older and are fully able and competent to enter into, and abide by, the contract created by the Terms and Conditions.

Terms and Conditions Cover All Users: By using the Site, you agree to be bound by the Terms and Conditions, whether you are a "visitor" (which means that you simply browse the Site) or you are a "registered user" (which means that you have an Investment Account with the Site to avail the Services or any part thereof, as provided on the Site). Each time you use the Site, the current version of the Terms and Conditions will apply. Accordingly, when you use the Site, you should check and review any changes since the last version. Please review carefully all of the Site's Terms and Conditions before agreeing to them and accessing the Site by reading through all of the sections appearing below and reviewing all of the linked Terms and Conditions:

1.Definitions

"AMC" shall mean and include Asset Management Company.
"InCred Money" or "us" or "we" or "our" or "InCred Money" or "Company" shall mean and refer to Oro Financial Consultants Pvt Limited. and its subsidiaries
"Use" or "Using" means to browse, access, view, copy, availing Services or other benefit from using the Site;
Group Entities - Shall mean affiliates, holding and subsidiaries of Alpha Fintech Private Limited.
"Services" means the service of access to the distribution network of InCred Money through its online technology platform for the purchase, switch and redemptions of units of mutual funds listed on the InCred Money Website by users, on the terms and conditions as mentioned.
"Force Majeure Event" means any event due to any cause beyond the reasonable control of InCred Money, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.
"The Site" or "Website" or "InCred Money Website" means www.incredmoney.com which includes, any other platform where the Site can be accessed from on mobile phones and such other devices, like, mobile application (whether or not on android or IOS) or any other platform as provided by InCred Money.
"Registered User/Registered user/ registered user" shall mean and include the visitors who have Investment Account with the Site to avail the Services or any part thereof, as provided on the Site.
"SIP" shall mean Systematic Investment Plans.
"NAV" shall mean Net Asset Value.
"Account" shall mean the account opened with InCred Money by registered users, for use of the Site or making investment through the Site.
"Vendors" shall mean all third-party service providers employed by either InCred Money or AMCs to deliver Services to users. Such vendors include, but are not limited to payment gateway provider, web-based transactions aggregator etc. Website Use User acknowledges that in accessing and using the Services offered by InCred Money, user may utilize the content and Services offered on the InCred Money website. User agrees to follow the terms and conditions for the use of InCred Money website as may be specified on the Site from time to time. Notwithstanding such acceptance of the InCred Money website Terms, user acknowledges and agrees to the following, that:
User Account will be activated after InCred Money completes the verification process on the personal information provided at the time of enrolment and in accordance with the.

Know Your Client ("KYC") guidelines issued by the Securities and Exchange Board of India ("SEBI").
Common Account Number ("CAN") requirements as prescribed by AMCs and/or their vendors.

User shall not to copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer or in any way exploit any part of any information, content, materials, services available from or through the Site, except that which user may download for personal, non‐commercial use.
User will not use the Site for any purpose that is unlawful, or prohibited by these Terms. User also agree that user will not use the Site in any manner that could damage, disable or impair the Site or interfere with any other person’s use or enjoyment of InCred Money website.
The software and hardware underlying the Site as well as other internet related software which are required for accessing the Site are the legal property of the respective vendors. The permission given by InCred Money to access the Websites will not convey any proprietary or ownership rights in the above software/ hardware. User agree that User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software/hardware underlying the Site or create any derivative product based on the software / hardware.
The data and information provided on the Site does not constitute advice and shall not be relied upon by the user while making investment decisions.
InCred Money does not, and is not obliged to, offer all mutual fund schemes for investment. By limiting the number of schemes on the Site, InCred Money does not make any representation as to the quality, bona fides or nature of any AMC or mutual fund scheme, or any other representation, warranty or guaranty, express or implied.
User agrees that the information and assistance provided on the InCred Money website are true to the knowledge of InCred Money and should not be construed as investment advice, and that InCred Money shall have no liability for any discrepancy in any such information or assistance.
InCred Money is not responsible for the availability of content or other services on third party sites linked from the InCred Money website. User agrees and is aware that access of hyperlinks to other internet sites are at user’s own risk and the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored or endorsed by InCred Money in any way. InCred Money does not make any warranties and expressly disclaims all warranties express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non‐ infringement with respect to any information or services or products that are available or advertised or sold through these third party websites.
InCred Money has the absolute discretion to amend or supplement any of the InCred Money website Terms at any time without prior notice for such changes. Any such amendment shall be effective immediately. It shall be User’s responsibility to review these Terms and Conditions periodically for any updates/changes.
An account may be created offline, without accessing the InCred Money website. In the event User creates an investment account offline, user understands and acknowledges that these Terms and Conditions for use of the InCred Money website will continue to be applicable to user for the use of the Services.
Mere use of the Website, shall be construed as your intent to contract with us and shall constitute your binding obligations, with us.
User understands that it is user’s responsibility to check the InCred Money website Terms carefully before accessing or using or transacting on our website.
As long as User complies with these Terms and Conditions, we grant user a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site. User acknowledges and understands that use of the Site shall be at your own risk and has the discretion of not using the Site.
InCred Money shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of the InCred Money to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event and in such case its obligations shall be suspended for so long as the Force Majeure event continues.
All information, content, materials, products (including, but not limited to text, content, photographs, graphics, video and audio content) on the InCred Money website is protected by copyright in the favour of InCred Money under applicable copyright laws and is also protected otherwise under general intellectual property law.
All information submitted by user to InCred Money whether through the InCred Money website or otherwise shall be deemed to be the property of InCred Money, and InCred Money shall be free to use any ideas, concepts, know‐how or techniques provided by such users at the InCred Money website, in any manner whatsoever.
Not all the products and services offered on InCred Money’s website are available in all geographic areas and user may not be eligible for all the products or services offered by InCred Money on the Site. InCred Money reserves the right to determine the availability and eligibility for any product or service.