1. Acceptance of Terms
By accessing or using the KVS FIN application, you agree to comply with and be bound by these
Terms and Conditions. If you do not agree, please do not use the application.

2. Regulatory Compliance (India)
KVS FIN operates in compliance with applicable laws in India including Reserve Bank of India (RBI)
guidelines, Information Technology Act, 2000, and other relevant regulations. Users agree to abide
by all applicable financial and digital laws.

3. Use of Services
The app provides financial tools such as expense tracking, budgeting, and insights. Users must not
misuse the platform or engage in fraudulent or illegal activities.

4. KYC and User Verification
Users may be required to complete Know Your Customer (KYC) verification as per RBI guidelines.
Failure to provide accurate information may result in restricted access.

5. Data Protection & Privacy
We follow Indian data protection laws and ensure that personal data is collected, processed, and
stored securely. Sensitive data is handled in accordance with applicable data protection
regulations.

6. Financial Disclaimer
KVS FIN does not provide financial, investment, or legal advice. All insights are for informational
purposes only. Users should consult certified professionals before making financial decisions.

7. Payment & RBI Guidelines
All transactions within the app comply with RBI regulations for digital payments. We do not store
sensitive payment details such as card PINs or OTPs.8. User Responsibilities
Users are responsible for maintaining account confidentiality and ensuring that login credentials are
not shared.

9. Limitation of Liability
KVS FIN shall not be liable for any losses arising from financial decisions made using the app.

10. Cyber Security
We implement reasonable security practices as per IT Act and RBI cybersecurity guidelines.
However, users must also ensure safe usage of devices and networks.

11. Modifications
We reserve the right to update these Terms at any time in compliance with regulatory changes.

12. Governing Law
These Terms shall be governed by the laws of India. Any disputes shall be subject to jurisdiction of
Indian courts.