Terms of Service

GrowwPaisa is a rewards and engagement platform that lets users earn rewards by discovering and completing financial and lifestyle tasks offered by third-party advertisers and partners (for example, opening an account, trying an app, or completing an offer), and by referring others. We act as an intermediary connecting users with these partner offers; we are not the provider of the underlying third-party products or services.

• You must be at least 18 years old and a resident of India.
• You must provide accurate, current, and complete information during registration.
• Each user may maintain only one account. Multiple or duplicate accounts may be suspended.
• You are responsible for maintaining the confidentiality of your login credentials.

• Rewards are credited to your in-app wallet only after the relevant partner or advertiser confirms that the task was validly completed. Confirmation timelines vary by offer and are outside our direct control.
• A reward may be withheld, reversed, or adjusted if a task is found to be incomplete, duplicated, fraudulent, or rejected by the partner, even after it has been provisionally credited.
• Reward amounts are displayed per campaign and may change at any time for future participation.
• Referral rewards are earned in accordance with the referral structure described on the Platform and are subject to the same validation rules.
• Wallet balances represent earned rewards eligible for withdrawal; they are not a deposit, e-wallet, or stored-value instrument, and earn no interest.

• To withdraw earnings, you must complete identity verification (KYC), including submitting your PAN and a valid payout method (bank account or UPI).
• Withdrawals are subject to a minimum threshold displayed on the Platform.
• Payouts are processed through a regulated third-party payment partner. By requesting a withdrawal, you authorise us to share the details necessary to complete the transfer.
• We may delay or decline a withdrawal pending verification, suspected fraud, incomplete KYC, or as required by law. If a payout fails or is reversed by the payment partner, the amount will be returned to your wallet.
• You are solely responsible for the accuracy of the payout details you provide. We are not liable for transfers to an incorrect account caused by inaccurate details.

You agree not to:

• Use bots, scripts, emulators, VPNs, or any automated or deceptive means to complete tasks or generate rewards.
• Create multiple accounts, self-refer, or engage in collusive or fraudulent referral activity.
• Submit false information or impersonate another person.
• Interfere with, disrupt, or attempt to gain unauthorised access to the Platform or its systems.
• Use the Platform for any unlawful purpose or in violation of any applicable law.

Violation may result in forfeiture of wallet balance, suspension, or permanent termination of your account.

You are responsible for any taxes applicable to the rewards you earn. Where required by law, we may deduct tax at source (TDS) and/or report earnings to the relevant authorities.

All content, trademarks, logos, and software on the Platform are owned by or licensed to the Company. You may not copy, modify, distribute, or create derivative works without our prior written consent.

The Platform is provided on an “as is” and “as available” basis. We do not guarantee uninterrupted availability, the accuracy of partner offers, or any particular level of earnings. To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, or consequential damages, and our total liability for any claim shall not exceed the amount of verified rewards in your wallet at the time the claim arose.

We may suspend or terminate your access at any time for breach of these Terms, suspected fraud, or legal reasons. You may stop using the Platform at any time. Provisions that by their nature should survive termination (including those on liability, IP, and governing law) will survive.

These Terms are governed by the laws of India. Any dispute shall be subject to the exclusive jurisdiction of the competent courts at Mumbai, Maharashtra.