Last Updated: September 10, 2026
Welcome to OurPaisa.
These Terms & Conditions (“Terms”) govern your access to and use of the OurPaisa website and online community available at ourpaisa.com (“OurPaisa”, “we”, “us”, or “our”).
OurPaisa is a social community platform where users can discuss money, markets, investing, trading, personal finance, and related topics.
By creating an account or using OurPaisa, you agree to these Terms. If you do not agree with these Terms, please do not use the platform.
1. Eligibility
You must be legally permitted to use OurPaisa under applicable law.
By using OurPaisa, you confirm that the information you provide is accurate to the best of your knowledge and that you will comply with these Terms and applicable laws.
2. OurPaisa Account
Certain features require you to create an account.
You are responsible for:
- Providing accurate account information
- Keeping your password confidential
- Protecting your account and authentication information
- Not sharing your account with others
- Not using another person’s account without authorization
- Notifying us if you believe your account has been compromised
You are responsible for activities performed through your account unless caused by circumstances outside your reasonable control.
3. OurPaisa Is a Community Platform
OurPaisa provides technology and community features that allow users to:
- Create profiles
- Publish posts
- Comment and reply
- Like and interact with content
- Follow other users
- Participate in communities
- Share information and opinions
- Discover discussions and users
OurPaisa is primarily a platform for user-generated discussions.
We do not guarantee that information posted by users is accurate, complete, current, or suitable for any particular purpose.
4. Financial and Investment Content
OurPaisa is a community for discussions relating to financial topics, including investing, trading, stocks, mutual funds, ETFs, personal finance, insurance, real estate, taxation, and related subjects.
Content posted by users may represent personal opinions, experiences, strategies, interpretations, or general information.
User-generated content should not automatically be treated as financial, investment, legal, tax, or other professional advice.
OurPaisa does not provide personalized investment advice merely because financial discussions take place on the platform.
OurPaisa does not guarantee investment returns or financial outcomes.
Users are responsible for conducting their own research and obtaining professional advice where appropriate before making financial decisions.
5. No Buy/Sell Guarantee or Promise of Returns
Users must not represent that OurPaisa guarantees:
- Profits
- Investment returns
- Trading success
- Specific stock performance
- Guaranteed income
- Guaranteed financial outcomes
Past performance or individual experiences do not guarantee future results.
6. User-Generated Content
You may publish content on OurPaisa, including posts, comments, replies, profile information, images, and other permitted materials (“User Content”).
You remain responsible for the User Content you submit.
By submitting User Content, you grant OurPaisa a non-exclusive, worldwide, royalty-free license to host, store, reproduce, display, distribute, and technically process that content as reasonably necessary to operate, maintain, and improve the platform.
This license does not transfer ownership of your original content to OurPaisa.
You should only publish content that you have the right to publish.
7. Public Content
Some content on OurPaisa may be publicly visible.
Public content may be viewed, shared, indexed, or accessed by other users or internet services depending on platform functionality.
Do not publish:
- Passwords
- OTPs
- Bank credentials
- Trading account credentials
- Card information
- Sensitive personal information
- Other confidential information
8. Prohibited Activities
You must not use OurPaisa to:
- Commit or facilitate illegal activities
- Scam, defraud, or deceive other users
- Impersonate another person or organization
- Harass, threaten, or abuse users
- Spam or excessively promote unrelated services
- Distribute malware or harmful software
- Attempt unauthorized access to accounts or systems
- Manipulate platform functionality
- Create accounts for abusive or deceptive purposes
- Publish deliberately fraudulent financial information
- Promote guaranteed investment returns
- Manipulate users into financial transactions through deception
- Publish content that violates applicable law
- Circumvent security or moderation systems
We may take appropriate action against accounts or content that violate these Terms.
9. Financial Scams and Fraud
OurPaisa does not authorize users to use the platform for fraudulent financial schemes.
Users should exercise caution when another person asks for:
- Money
- Investment funds
- Trading credentials
- OTPs
- Bank information
- Cryptocurrency transfers
- Personal financial information
OurPaisa is not responsible for financial transactions or private arrangements between users.
10. Content Moderation
We may review, restrict, remove, or disable access to content that we reasonably believe:
- Violates these Terms
- Violates Community Guidelines
- Violates applicable law
- Creates security or safety risks
- Involves spam, fraud, abuse, or manipulation
- Harms the integrity of the platform
We may also restrict or suspend accounts where necessary.
Moderation decisions may be made based on reports, automated systems, security signals, or human review.
11. Account Suspension and Termination
We may suspend, restrict, deactivate, or terminate an account where reasonably necessary, including for:
- Violation of these Terms
- Fraudulent or abusive activity
- Security concerns
- Illegal activity
- Repeated community violations
- Attempts to compromise the platform
- Conduct that materially harms other users or the platform
Users may also deactivate or request deletion of their account through available account controls.
12. Intellectual Property
The OurPaisa platform, including its branding, logos, design, software, interface, original graphics, and other proprietary materials, may be protected by applicable intellectual-property laws.
You may not copy, reproduce, modify, distribute, sell, or exploit OurPaisa proprietary materials without appropriate authorization.
User Content remains subject to the ownership rights described in these Terms.
13. Third-Party Services and Links
OurPaisa may use or link to third-party services, websites, applications, or resources.
Third-party services are not controlled by OurPaisa.
Your use of third-party services may be subject to their own terms and privacy policies.
OurPaisa is not responsible for the content, availability, security, or practices of third-party services.
14. Platform Availability
We aim to keep OurPaisa available and reliable, but we do not guarantee uninterrupted or error-free access.
The platform may occasionally be unavailable because of:
- Maintenance
- Updates
- Technical problems
- Hosting or infrastructure issues
- Security measures
- Third-party service interruptions
- Events outside our reasonable control
We may modify, suspend, or discontinue features where reasonably necessary.
15. No Warranty
To the extent permitted by applicable law, OurPaisa is provided on an “as available” basis.
We do not guarantee that:
- The platform will always be available
- User-generated content will always be accurate
- Information will always be current
- The platform will be completely error-free
- All content will be suitable for every user
- Security risks can be completely eliminated
16. Limitation of Liability
To the maximum extent permitted by applicable law, OurPaisa and its operators shall not be responsible for losses arising from:
- Reliance on user-generated financial information
- Investment or trading decisions
- Financial transactions between users
- Third-party services
- User misconduct
- Unauthorized access caused by circumstances outside our reasonable control
- Temporary platform interruptions
- Loss of data where recovery is not reasonably possible
Nothing in these Terms excludes liability that cannot lawfully be excluded or limited under applicable law.
17. Indemnification
To the extent permitted by applicable law, you agree to be responsible for claims, losses, liabilities, or expenses arising from your:
- Violation of these Terms
- Violation of applicable law
- Misuse of OurPaisa
- User Content
- Infringement of another person’s rights
18. Privacy
Your use of OurPaisa is also governed by our Privacy Policy, which explains how we collect, use, store, and process personal information.
You should read the Privacy Policy together with these Terms.
19. Changes to These Terms
We may update these Terms from time to time to reflect:
- New features
- Changes to the platform
- Security requirements
- Changes in applicable law
- Changes in business or operational practices
Updated Terms will include a revised Last Updated date.
Where appropriate, we may provide notice of material changes through the platform or other reasonable means.
20. Governing Law
These Terms shall be governed by the laws of India, subject to applicable law.
Any disputes shall be subject to the jurisdiction of the appropriate courts having jurisdiction in India.
21. Contact and Grievance
If you have questions, complaints, or concerns regarding these Terms or your use of OurPaisa, please contact us through the designated contact/grievance channel provided on our website.
OurPaisa
Website: ourpaisa.com
Email: support@ourpaisa.com
22. Acceptance
By registering for or using OurPaisa, you acknowledge that you have read and agree to these Terms & Conditions.
If you do not agree with these Terms, you should discontinue use of OurPaisa.