Terms & Conditions
1. INTRODUCTION
- Thank you for using our platform (“Platform”) and Services (as defined below) through our mobile application and website (hereinafter referred to as the “App” or “Website”). Our platform is owned by GroMo Inc. and operated through its subsidiary and Vitrak Technologies Private Limited’s (hereinafter referred collectively to as “GROMO”) platform These Terms of Service (hereinafter referred to as the “Agreement,” or “Terms”) apply to access and use of the software including but not limited to Mobile application, Web Application, and any other relevant medium. This Agreement is a legally binding agreement between you (hereinafter referred to as the “you”, “your”, User(s)”) and GROMO and/or its subsidiaries and affiliates (together referred to as “we”, “us” or “our(s)”), governing the rights and obligations between you and GROMO in respect of the Platform and Services.
- By accessing and using our Platform, Website or App in any way, including, without limitation, browsing the Website, using any information, using any content, any services, etc., available therein, you agree to and are bound by these Terms of Service. If you do not accept these Terms of Service in full, please cease using our Platform, Website or App immediately, and contact us at support@gromo.in.
- THESE PLATFORM TERMS HAVE BEEN DRAFTED IN ACCORDANCE WITH THE PROVISIONS OF RULE 3 (1) OF THE INFORMATION TECHNOLOGY (INTERMEDIARIES GUIDELINES) RULES, 2011 (AS AMENDED) THAT REQUIRE PUBLISHING THE RULES AND REGULATIONS, PRIVACY POLICY AND TERMS OF SERVICE/ USER AGREEMENT FOR ACCESS OR USAGE OF THE APP AND RELATED SERVICES.
- THESE TERMS AND THE PLATFORM PRIVACY POLICY ARE COMPLIANT WITH INFORMATION TECHNOLOGY (REASONABLE SECURITY PRACTICES AND PROCEDURES AND SENSITIVE PERSONAL DATA OR INFORMATION) RULES, 2011 (AS AMENDED) WHEREVER APPLICABLE IN ANY MANNER.
- PLEASE READ THE TERMS CONTAINED IN THIS AGREEMENT CAREFULLY TO ENSURE THAT YOU UNDERSTAND EACH PROVISION.
- BY USING THE PLATFORM BY DOWNLOADING AND INSTALLING THE APP YOU ACCEPT THIS AGREEMENT AND AGREE THAT (A) YOU HAVE READ AND UNDERSTOOD THE AGREEMENT; AND (B) YOU ACCEPT THIS AGREEMENT AND AGREE THAT YOU ARE LEGALLY BOUND BY ITS TERMS AND THE PLATFORM PRIVACY POLICY, REFERENCED HEREIN.
- You represent and warrant to us that you will use the Platform in a manner consistent with all Applicable Laws, as defined in Section 2. We reserve the right to refuse access to use the Platform or to terminate access granted to existing Users at any time without according any reasons for doing so.
2. DEFINITIONS
- In this Agreement, unless otherwise provides, the following words shall mean:
- “Applicable Laws” means any applicable Indian statutes, laws, ordinances, regulations, rules, orders, by-laws, administrative interpretation, writ, injunction, directive, judgment or decree or other instruments which has a force of law in India, as is in force from time to time;
- “Confidential Data” means any information related to the User, which the User shares with GROMO or submits on the App and/or Website and the proprietary information relation to GROMO or which the User may have come into possession of or pursuant to this Agreement; and
3. THE PLATFORM AND SERVICES
- GROMO, through its Platform, allows agents to sell various financial and non-financial products and services such as Demat account, credit, loans, saving accounts, etc. to their clients (“User-Clients”), and allows Users to manage money through our Platform (“Services”). All results generated by the Platform is made available on as-is and available basis based on the information you provide us.
4. TERRITORY
- Platform, Website, and the App are only available for use and download, within the territory of India. If you have any questions regarding this Section, please email us at support@gromo.in.
5. PRIVACY POLICY
- Our Privacy Policy describes how we handle the personal and business information (collectively “Personal Information”) you provide to us when you use or register on the Platform, the Website or the App. You understand that through your use our Platform, Website, or the App, you consent to the collection, processing, and use (as set forth in the Privacy Policy) of this information.
- Upon your written request, GROMO will provide you with a list of all personal information that we store concerning you within sixty (60) days of receiving your request. Also, upon your prior written request, GROMO will delete any such information within sixty (60) days of receiving your request. Notwithstanding this GROMO can deny such requests, reasonably and in its sole discretion if it suspects fraud, misinformation or in any other situation permitted by law. Further, notwithstanding this if you ask GROMO to delete all such information, we will not be able to continue to provide the access to the Website, App or Platform to you.
6. ELIGIBILITY & ACCESS RESTRICTIONS
- To be eligible to use our Platform, Website, or the App, you must meet the following criteria and represent and warrant that you: (1) are not currently restricted from accessing our Platform, Website, or the App, or not otherwise prohibited from having an account, (2) are not our competitor, or are not using our Platform, Website, or the App for reasons that are in competition with us; (3) have full power and authority to enter into this Agreement and doing so will not violate any other agreement to which you are a party; (4) will not violate any of our rights, including intellectual property rights such as patent, copyright, and trademark rights; and (5) agree to provide at your cost all equipment, browser software, and internet access necessary to use our Platform, Website, or the App.
7. REGISTRATION ON OUR PLATFORM
- You can access and use the Platform via (i) the App which can be downloaded and installed from the Google Play Store, or (ii) the Website at (https://www.gromo.in/).
- By registering on our Platform, you understand that:
- At the time of registration, you may be required to complete a verification process (“Verification”) as part of setting up your User account, as applicable that would enable you to use the Platform and access our Services (“Account”). Once you have successfully completed the Verification, as applicable, and have set up your Account, you will be given a username and your mobile number will be registered with the Platform using a One-time-Password (“OTP”) (together hereinafter referred to as “Access Credentials”). You are responsible for maintaining the confidentiality of your Access Credentials and are fully responsible for all activities that occur through your Account. Should there be instances of any unauthorized use of your Account or Access Credentials or any other breach of security, you are required to notify GROMO to stop processing requests from your Account, until further instructions.
- During the registration process, you may be asked to provide GROMO with yours and/or your User-Client’s mobile numbers, email, and any other information reasonably required to allow GROMO or its subsidiaries, third party partners or financial institutions (“Brand Partners”) to provide you with Services through our Platform.
- By registering yours or your User-Client's phone numbers with GROMO, you consent to be contacted by GROMO via phone calls, WhatsApp, SMS notifications or instant messages, in case of verifications and in case of subscription/service/promotional updates. You may opt out of subscription/service/promotional updates upon following due procedure as highlighted by the support personnel over authorized channels.
- If you provide GROMO with your User-Client’s mobile number, email id or any other information, you certify and represent that you have their consent and permission to do so under all applicable laws. You further indemnify GROMO from any claims, actions or liabilities arising from your breach of this Section 7.
- It is your responsibility to provide a correct mobile number, and email id for yourself and your User-Clients so that GROMO can communicate with via various communication channels. You understand and agree that if GROMO sends a communication to you but you do not receive it because the you have provided a mobile number that is incorrect, out of date or blocked or because you, or your User-Client, are otherwise unable to receive SMS, GROMO shall be deemed to have provided the communication effectively.
8. USING THE PLATFORM
- By visiting our website or mobile application, and accessing the information, resources, services, products, and tools we provide for you, either directly or indirectly (hereafter referred to as “Resources”), agree to use these Resources only for the purposes intended as permitted by this Agreement, and/or Applicable Laws.
- Wherein, you understand that:
- In order to access our Resources, you may be required to provide certain accurate, corrected and updated information about yourself as stated and described in our Privacy Policy.
- Accessing (or attempting to access) any of our Resources by any means other than through the means we provide is strictly prohibited. You specifically agree not to access (or attempt to access) any of our Resources through any automated, unethical or unconventional means. Engaging in any activity that disrupts or interferes with our Resources, including the servers and/or networks to which our Resources are located or connected, is strictly prohibited.
9. ACCESS TO PLATFORM, ACCESS RIGHTS AND RESTRICTIONS
- Subject to your compliance with the terms of this Agreement, we grant you a limited, non-exclusive, revocable, non-transferable, non-licensable, non-sublicensable right to access and use our Platform, Website, and App strictly in accordance with this Agreement.
- You will not use, copy, adapt, modify, prepare derivative works based upon our Platform, Website, or the App, distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit our Platform, Website, or the App, except as expressly permitted in these Terms . When accessing our Platform, Website, or the App, you need to make sure that your internet connection is adequate. You are solely responsible for your internet connection including and not limited to the applicable charges, rates, tariffs, and other fees that might apply.
- YOU AGREE WE ARE NOT LIABLE FOR ANY DAMAGES OR INJURY RESULTING FROM YOUR ACCESS OR USE OF OUR PLATFORM, WEBSITE, OR THE APP. WE PROVIDE NO WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE OR WARRANTY OF MERCHANTABILITY. THERE IS NO WARRANTY WHICH WILL EXTEND BEYOND THE DESCRIPTION ON THE FACE HEREOF. ANY DAMAGE ALLEGED FOR A LOSS OR INJURY IS LIMITED TO THE FEE, IF ANY, PAID TO GROMO FOR THE ABILITY TO ACCESS OR USE OUR PLATFORM, WEBSITE, AND/OR THE APP.
10. USER DECLARATION
- You agree, acknowledge and declare that:
- you are availing the Services offered on the Platform out of your free will and volition;
- the amounts invested on the Platform are through legitimate and bonafide sources only and does not involve and is not designed for the purpose of contravention or evasion of any Applicable Laws;
- you shall review and comply with notices sent by GROMO, if any, concerning the Platform and Services;
- you shall review the Platform’s Privacy Policy, regularly as may be amended; and
11. RESERVATION OF RIGHTS AND USER CONDUCT
- You acknowledge and agree that the Platform is provided for your use. Except to the extent necessary to access and use the Platform, nothing in this Agreement grants any title or ownership interest in or to any copyrights, patents, trademarks, trade secrets or other proprietary rights in or relating to the App/Website and the Platform whether expressly, by implication, by estoppel, or otherwise. GROMO, its licensors, partners, and service providers reserve and will retain its entire right, title, and interest in and to the content on the Platform including all copyrights, trademarks, and other intellectual property rights therein or relating thereto, except as expressly granted to you in this Agreement.
- You may only access and use GROMO for lawful purposes only. You are responsible for adhering to any and all laws, rules, and regulations that are applicable regardless of any previous knowledge or lack of knowledge about such laws, rules or regulations.
- Any content uploaded by GROMO on the application and website is for guidance and education purposes only. GROMO does not hold any liability on the accuracy of the content provided. You are responsible to verify each content before sharing, or modifying it.
- GROMO’s rights and protections as stated in these Terms are equally applicable to any internet service provider that it has selected to host GROMO or any related resources.
- You expressly agree not to:
- duplicate, copy, adapt, modify, prepare derivative works based on the Platform to license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, otherwise transfer or commercially exploit the Platform (excluding any User content);
- reverse engineer, download, decompile, disassemble, decipher, capture screen shots, or otherwise attempt to derive the source code for any underlying intellectual property used to provide the Platform or any part thereof;
- commit or cause to be committed any criminal offense or encourage conduct that would constitute a criminal offense or give rise to a civil liability, or otherwise violate any local, state, federal or international law or regulation;
- upload, post, e-mail or otherwise transmit any content that is unlawful, defamatory, harassing, abusive, invasive of another’s privacy, infringes upon the rights of third parties, harmful, wrongful, or obscene;
- harm any minors in any way;
- upload, post, e-mail or otherwise transmit any material, information or content that you do not have a right to transmit under law or contractual relationship;
- upload, post, email or otherwise transmit any material, information or content that infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any other individual, party or entity.
- disguise the origin of the material, information or content by omitting or obscuring copyright or authorship, or by forging headers or otherwise manipulating identifiers;
- upload, post, e-mail or otherwise transmit any unsolicited advertising, promotional materials, or other forms of solicitation, such as “junk mail”, “spam”, “chain letters”, or “pyramid schemes”;
- upload, post, e-mail or otherwise transmit any material, information or content that contains software virus or any other computer code, file or program that would interfere with the functionality of any computer software, hardware or telecommunication equipment.
- disrupt the normal communication or otherwise act in such a way that would negatively impact other users’ ability to engage in real-time exchanges;
- impersonate or claim a relationship with or speak for any individual, business, association, institution, or other organization, including, but not limited to GROMO for which you have no authorization to do so or to claim such a relationship;
- interfere with or disrupt the services or servers or networks connected to the services, or disobey any requirements, procedures, policies, or regulations of networks connected to the services and/or this website.
- collect or store personal data about other users or User-Clients in a manner incompatible with Applicable Laws;
- stalk or otherwise harass any individual;
- utilize information, content or any data you view on and/or obtain from the Platform to provide any service that is competitive with us;
- rent, lease, loan, trade, sell/re-sell access to the Platform or any information therein, or the equivalent, in whole or part;
- use malware or any other means that impair optimal functioning of the App and/or Website;
- engage in “framing”, “mirroring”, or otherwise simulating the appearance or function of the Website or App;
- attempt to or actually override any security component included in or underlying the App and/or the Platform;
- engage in any action that interferes with the proper working of or places an unreasonable load on our infrastructure, including but not limited to unsolicited communications, attempts to gain unauthorised access, or transmission or activation of computer viruses;
- remove any copyright, trademark or other proprietary rights notices contained in or on the App and on the Platform including those of both GROMO or any of our partners;
- use any information obtained from the App and/or the Platform to harass, abuse or harm another User;
- violate the provisions of the Information Technology Act, 2000 and rules and regulations thereunder (as updated) and any applicable data protection laws;
- host, display, upload, modify, publish, transmit, update or share any information that is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatsoever, or infringes any patent, trademark, copyright or other proprietary rights of a third-party or impersonates another person or threatens public health or safety; promotion of cigarettes or any other tobacco products or consumption of intoxicant including alcohol or threatens critical information infrastructure.
- post anything on social media which is detrimental to the reputation of the platform GROMO or to its partner brands. In case any violation is found your account will be blocked and earnings frozen.
12. USER GENERATED CONTENT
- We may provide various open communication tools on our website, such as blog comments, posts, photos, videos, courses, public chat, forums, message boards, newsgroups, reviews, various social media services, etc. You understand that we do not pre-screen content posted by users of these various communication tools, which means that if you choose to use these tools to submit any type of content to our website (“User Generated Content”), then it is your personal responsibility to use these tools in a responsible and ethical manner. By posting information or otherwise using any open communication tools as mentioned, you agree that you will not upload, post, share, or otherwise distribute any content that upload, post, share, or otherwise distribute any content that.
13. OWNERSHIP, PROPRIETORY INFORMATION AND INTELLECTUAL PROPERTY RIGHTS
- You agree that the Platform including the graphics, our trademarks and editorial content contains proprietary content, information, and material, which are owned by GROMO and/or our licensors, including our customers, brands and agencies and partners, and are protected by applicable intellectual property and other laws, including but not limited to copyright.
- All content and materials available on GROMO, including but not limited to text, graphics, website name, code, images and logos are either the intellectual property of GROMO or under licensed use by Vitrak, and are protected. Any inappropriate, unauthorized, or prohibited use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized.
14. CONTRIBUTIONS TO GROMO
- By submitting ideas, suggestions, documents, and/or proposals (“Contributions”) to GROMO through its suggestion or feedback webpages, you acknowledge and agree that:
- your Contributions do not contain confidential or proprietary information,
- GROMO is not under any obligation of confidentiality, express or implied, with respect to the Contributions;
- GROMO shall be entitled to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any way, in any media worldwide,
- GROMO may have something similar to the Contributions already under consideration or in development,
- your Contributions automatically become the property of GROMO without any obligation of GROMO to you, and
- you are not entitled to any compensation or reimbursement of any kind from GROMO under any circumstances.
15. INDEMNITY
- Users agree to indemnify and hold GROMO, its parent company, officers, subsidiaries, affiliates, successors, assigns, directors, officers, agents, service providers, suppliers and employees (“Indemnitees”), harmless from any claim or demand, including penalty, reasonable attorney fees and court costs, made by any third party due to or arising out of (i) content submitted by the User, (ii) Users’ use of the service, (iii) violation of the Terms of Service or Privacy Policy, (iv) breach by the user of any of the Terms, representations and warranties herein, (v) the negligence, fraud, or willful misconduct of User, User’s agents, or contractors; (vi) incorrect information provided by User in User’s Account or elsewhere; or (vii) a failure by User or User’s agents, contractors, or invitees to comply with applicable laws and regulations.
16. NO RESALE OF SERVICE
- Under no condition, you should collect any money or benefit from any person, including a User-Client on the pretext of providing services through the Resources or using the name of `GROMO` or its affiliates, partners, advisors, directors or employees. In case of breach of trust, you will be liable to return such money to such person or User-Client immediately and indemnify GROMO. GROMO shall have the right to disable your Account with immediate effect.
17. DEALINGS WITH THIRD PARTIES
- The Platform may also include access to products and services of independent third parties either directly or via links to sites operated by such third parties. Where these products and services of third parties form part of the Platform, we will endeavor, but are not obliged to, indicate that these products and services are provided by third parties. In all cases, your correspondence or business dealings with, or participation in promotions of, other parties found on or through the Platform (including without limitation providers of products and services, advertisers and other users of the Platform), including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party, even where it is in relation to any products or services that are co-branded with us which may include our trademarks. You agree that we shall not be responsible or liable in any way for any loss or damage of any sort incurred as the result of any such dealings with any third parties, as the result of the presence of such third parties on the Platform, or as the result of the use of the Service in any way by such third parties.
18. LINKS
- The Platform may provide, or third parties may provide, links to other World Wide Web or other online electronic sites or resources. You acknowledge that GROMO has no control over such sites and resources, you acknowledge and agree that GROMO is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that GROMO shall not be responsible or liable, in any manner whatsoever, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such, goods or services available on or through any such site or resource.
19. PAYMENT
- Access to Platform: Access to our Platform and Services are currently provided to you at no cost to you. In the event that we change this in the future, we will communicate such modification to you.
- Payment for Content: Notwithstanding anything to the contrary herein, you will be responsible for paying the Fees for the Content offered on our Platform offered by our Brand Partners. By purchasing any Content offered on the Platform, you are granted a non- exclusive and non-transferable right to access, view and use the relevant Content and may not use or reproduce any of the Content in any manner, unless expressly authorised by GROMO. For the purposes of these Terms of Service, “Content” shall mean any content, courses, instruction, or other material made available to you over our Platform under by GROMO or a Content Partner. For the purposes of these Terms of Service, a “Content Partner” shall mean any entity authorized by GROMO to make Content available to Users over the Platform. You may pay for the Content on our App by using any legally valid method of payment as accepted by the Platform.
20. USER EARNINGS
- Commissions: Users can earn commissions on our App (“User Earnings”) by providing to their User-Clients, through our App or Platform, services affiliated to or authorized by our Brand Partners. User Earnings shall be reflected and credited to the User’s Account on the App once GROMO receives verified updates (“Update(s)”) from our Brand Partners or financial institutions to credit such User Earnings to a User’s Account on the App. If GROMO doesn’t receive the Update from the Brand Partners, it shall not update User Earnings. Under no circumstances can GROMO be held liable for any deficiency in the User Earnings or the non-payment thereof if such a claim arises from the non-receipt of an Update as required by GROMO.
- Transfer of User Earnings: Users must register a bank account on the App or Platform and provide valid bank account and KYC details to be eligible to transfer their User Earnings to such bank accounts. Users can transfer all their accumulated User Earnings, in whole or in parts, to their registered bank account by clicking on the “Transfer Now” button on User’s Account on the App (“Transfer Request”). The transfer of User Earnings to the registered bank account of the User shall happen within 24-48 hours of the Transfer Request.
- Any earnings on GroMo will expire if not transferred to your bank account or used within 3 months. For example, if you earn ₹700 on June 8, 2024, and do not transfer or use it for an in-app purchase, the amount will expire at the end of September (September 30, 2024). Expiry always occurs at the end of the upcoming 3rd month.
- Failed Transfer Request: Any Transfer Request that has been initiated by a User, who has not registered a bank account with the App or Platform or has provided invalid bank account details and KYC details or has not updated their valid bank account details on the Platform or App, shall automatically fail.
- Limitations: A User must initiate a Transfer Request to a valid and registered bank account no later than three (3) months from when that User Earning was updated or credited to their User Account on the App. Any User Earnings, for which either no Transfer Request has been initiated or there have been no valid bank or KYC details shared with the Platform for a period exceeding three (3) months, shall be deemed “Unused Earnings.” All Unused Earnings are subject to being rolled back or debited from the User’s Account on the App at the sole discretion of GROMO.
21. GROMO COINS
- GroMo Coins is part of the Rewards Program launched by GroMo that focuses on value creation for GroMo Partners in terms of experience and incentives.
- GROMO reserves the right to carry on Rewards/Loyalty programs and promotions from time to time & GROMO’s decision on its reward policy at any given point of time will remain final.
- Gromo Partners will now be able to earn GroMo Coins (virtual currency of GroMo) along with their usual earnings from the application. These GroMo coins will have multiple use cases within the GroMo application that would focus on delivering higher value to the users.
- Conversion Ratio of GroMo Coins to Rupees is 1% (i.e. 100 GroMo Coins is equal to 1 Rupees). In other words, earning 2000 GroMo Coins is equivalent to earning ₹20.
- Earning GroMo Coins
- Sale Payout: Payout equivalent GroMo coins will be earned at each sale i.e. if a Gromo Partner earns ₹2000 by selling a credit card, he/she will also earn 2000 GroMo Coins.
- Lead Creation: 50 GroMo Coins will be earned on creation of each lead. This benefit of GroMo Coins will be limited to 10 leads per day.
- Training: Watching training videos (webinars, courses) will fetch the GroMo Partner ‘x’ GroMo Coins. The GroMo Coins can be different for different videos. Check the GroMo Coins before watching any such video (only once per video).
- Check Credit Score: 100 Gromo Coins will be earned on checking the credit score of each customer (GroMo Coins will only be credited for unique customers). This benefit of GroMo Coins will be limited to 5 times per day
- Check Challan: 100 GroMo Coins will be earned on checking the challan of each customers’ vehicle (GroMo Coins will only be credited for unique vehicles). This benefit of GroMo Coins will be limited to 5 times per day
- Lead Streak: 50 GroMo Coins are earned on every lead. On reaching weekly milestones (lead created continuously for 7 day period), Gromo Partners will earn 250 extra Gromo Coins than previous 7th day milestones. 7th Day - 250 GroMo Coins, 14th Day - 500 GroMo Coins, 21st Day - 750 GroMo Coins and so on.
- Games: Spinning the Wheel or Rolling the Jackpot can reward the GPs with GroMo Coins (up to 1000 GroMo Coins per spin/roll).
- Redemption GroMo Coins
- Automatic Sale Redemption: 10% of coin balance (coin balance just before that sale) will be automatically redeemed as equivalent rupees with each sale payout. For eg. if a GroMo Partner has 10000 coin balance and he/she makes a sale of ₹500, the GroMo Partner will earn ₹500 + ₹20 (10% of 10000 = 1000 GroMo Coin equivalent rupees).
- Spin the Wheel: 100 coins will be used to spin the wheel once. This will be limited to 5 spins per day
- Jackpot Roll: 500 coins will be used to roll the jackpot once. This will be limited to 3 rolls per day
- GroMo Bazaar: GroMo Partners can get huge discounts on GroMo bazaar by using coins.
- GroMo Coins expire after 3 months. For example, if a GroMo Partner earned 2000 GroMo Coins on 12th May 2024, they will expire by 31st August 2024.
- GroMo Partners can prevent unutilized coins from expiring by continuing to sell products as every time a sale is made, 10% of coin balance is redeemed in FIFO (First In First Out) basis. This means that the coins which are closer to expiry would be redeemed first.
- GROMO from time to time can give extra Rewards on different activities, details of which would be available on the GroMo application under the “Rewards” section.
- GroMo offers additional incentives through scratch cards, which may be either locked or unlocked based on the type of scratch card awarded to the user. Locked scratch cards can only be unlocked by fulfilling the specified unlocking criteria as stated on the locked scratch card. In the case of scratch cards that unlock upon completing a sale (of any kind), the scratch card will only be unlocked if the lead for that sale was generated after the issuance of the scratch card.
- GROMO reserves the right, at its sole discretion, to change the Rewards and modify any terms, features, or discontinue the Rewards Program without any prior written notice. Please refer to your GROMO android application, section “Rewards” to review the latest Reward/Loyalty Program.
- GROMO reserves the right to suspend any account and claw back all past, current and future earnings from GROMO in case of willful misconduct, gross negligence, indecent behavior, customer complaint, charging money from customers, indecent behavior towards any GROMO employee, contractor or sub-contractor, any other fraud or potential fraud by the agent.
22. TERMINATION
- We reserve the right to suspend or terminate your account or cease providing you with access to all or part of our Platform, Website, or the App if we reasonably believe: (i) you have violated this Agreement and/or our Privacy Policy; (ii) you create risk or possible legal exposure for GROMO; (iii) our provision of our Platform, Website, or the App to you is no longer commercially viable; (iv) there is a breach of security or misuse of the account by you, (v) if any information provided during the registration or Verification process or thereafter proves to be inaccurate, not current or incomplete; (vi) if, in GROMO’s assessment, you have committed any kind of fraud including but not limited to forged documents, identity fraud, willful misconduct, or any other such behavior as noticed by GROMO; (vii) if, in GROMO’s assessment, you have engaged in actions that are fraudulent, negligent or derogatory to GROMO’s interests; (viii) or if in GROMO’s assessment, you have taken money from or shared information and/or data of User-Clients without their consent or knowledge; or (viii) you mis-sell or attempt to mis-sell your services under the name and banner of GROMO; or (ix) you have attempted to harm the good will of the company directly or indirectly, or you have posted any false or incorrect escalation on social media or any other public platform, even if the company believes that the escalation is false or incorrect.
- We will make reasonable efforts to notify you of such termination by the mobile number and email address associated with your account or the next time you attempt to access your account, depending on the circumstances. In all such cases, in GROMO’s sole discretion, GROMO may (i) terminate Agreement; (ii) limit or completely disable your license to use or access our Platform, Website, or the App; (iii) Penalize you in a manner consistent with this Agreement and all applicable laws; (iv) freeze and reverse any past earnings you may have had using the Platform; or (v) all of the above.
23. LIMITATION OF WARRANTIES
- By using our website, you understand and agree that all Resources we provide are “AS IS” and “AS AVAILABLE”. We do not represent or warrant to you that: (i) the use of our Resources will meet your needs or requirements, (ii) the use of our Resources will be uninterrupted, timely, secure or free from errors or virus, (iii) the information obtained by using our Resources will be accurate or reliable, (iv) any downloads from GROMO will not harm your computer or device in any way, and (v) we have screened or verified any of the information posted herein, unless otherwise specifically so stated on the Website. To the maximum extent permitted by law, GROMO has no liability in relation to or arising out of the Website Information and recommendations. You are responsible for the final choice of your product. Please seek further advice from GROMO or the relevant participating companies before choosing any product or service which you wish to avail for , if you have any doubts or queries about the same. GROMO does not guarantee when or if you will actually acquire the product that you have chosen and does not accept any liability arising out of delay in you acquiring the product you have chosen. You acknowledge and accept that the final issuance of the product is subject to the underwriting norms and sole discretion of the company whose product you have chosen to buy. WE DISCLAIM ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS OR IMPLIED, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. No advice or information, whether oral or written, obtained from us or through our Platform, Website, or the App, will create any warranty or representation not expressly made herein.
24. LIMITATION OF LIABILITY
- You expressly understand and agree that in no event GROMO or its contractors, agents, licensors, partners, employees, representatives, suppliers be liable to you for any special, direct, indirect, incidental, consequential, punitive, or exemplary damages (including without limitation loss of business opportunities, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) arising out of or relating to this agreement, or which may be incurred by you as a result of using our website or its resources or the content, the services, or any reference site, or your use or inability to use the services. In any event, GROMO or any of its contractors, directors, employees, agents, third party partners, licensors or suppliers shall not be liable for any or all damages, liabilities, losses, costs or consequences thereof arising out of or in relation to usage/Agreement, or the Products or Services, however caused and whether arising in contract, tort including negligence, warranty or otherwise. That any claim against us shall be limited to the amount you paid to GROMO, if any.
25. GOVERNING LAW
- This Agreement and the Privacy Policy shall be governed and construed in accordance with the laws of the Republic of India and the courts at New Delhi, India shall have exclusive jurisdiction on all matters and disputes arising out of and relating to the Platform, Website, App or Services provided therein for any actions not subject to Dispute Resolution and Arbitration provisions as set forth in Section 25.
26. DISPUTE RESOLUTION AND ARBITRATION
- Any claim, dispute or difference relating to or arising out of these Terms, and Privacy Policy shall be referred to the arbitration, of a sole arbitrator appointed mutually. The arbitration shall be subject to the Arbitration and Conciliation Act, 1996 as may be amended from time to time. The seat and venue of arbitration shall be New Delhi, India. The proceedings shall be undertaken in English. The arbitration award shall be final and binding on the parties.
27. RELATIONSHIP OF PARTIES
- The parties hereto are independent contractors, and nothing contained herein shall be interpreted as creating any relationship other than that of independent contracting parties. The parties shall not be construed as being partners, joint ventures, shareholders, employer/employee, or agent/servant. The User has no power or authority to bind GROMO to any obligation, agreement, debt or liability. The User shall not hold itself out as an agent or representative of GROMO.
28. REFERRAL POLICY
- The new Elite Referral Program entitles you to earn ₹10,000 from each referral. As per this referral program which is effective on all referrals who joined on or after 6th March 2025, you will earn ₹100 when your referral completes 1st customer sale within 7 days of signup, ₹1,000 more when your referral reaches Gold level, ₹1,500 more when your referral reaches Platinum level and finally ₹7,400 more when your referral becomes an Elite Gromo Partner
- This new Elite Referral Program replaces all previous referral programs and is effective for all referred GroMo Partners who joined on or after 6th March 2025. Incentives in this program apply to all referring GroMo Partners, irrespective of previous program participation. For example, if your referral who joined on 7th March 2025 reaches Gold after the launch of this program, then you will still earn ₹1000
- All earnings will be in the form of scratch cards. You will always earn ₹100 referral reward as an unlocked scratch card. For referral earrings on Gold, Platinum and Elite levels the referring GroMo Partner also needs to be in Gold or above levels and the referred friend should have earned at least ₹5,000 from sales on GroMo (Insurance sales, GroMo Coins and Scratch Cards earnings are not valid). In all such cases, the referring GroMo Partner will get a locked scratch card which will unlock once all conditions are met.
- You will not receive the first sale referral reward if your referral does self sale (sale to self) or sell to any other existing GroMo Partner. Only end customer sales are eligible for the first sale referral reward
- 5% lifetime referral commission has been discontinued starting from 16th July 2024. For example, if your referral earned Rs 1,000 through a customer sale, then you will not get Rs 50 (5% of Rs 1,000) now
- Referral policy is not valid in cases where the referral is made to an immediate family member. This means that if an immediate family member has been referred, the respective Gromo Partner will not be entitled to any referral reward or referral lifetime commission income
- Insurance sales done by your referral will not be considered towards any referral reward/incentive for the GroMo Elite Referral Progra
- GroMo reserves the right, at its sole discretion to change the amount of referral award and modify any Terms, features, or discontinue the program without any prior written notice. Please refer to your GroMo android application, section “Refer and Earn” to review the latest incentive policy
- GroMo reserves the right to suspend your account and claw back all your past, current and future earning from GroMo in case of willful misconduct, gross negligence, indecent behavior, customer complaint, charging money from customers, indecent behavior towards any GroMo employee, contractor or sub-contractor, any other fraud or potential fraud by the agent
29. GROMO PROTECT
- GroMo also provides GroMo Protect, a ₹199/month membership, that lets you raise claims for untracked sales on your leads, helping you recover missed earnings (up to ₹2000 per cycle); it auto-renews every 30 days (free for Elite/Platinum), and can be cancelled anytime—with a full refund if cancelled within 3 days and no claims raised. With this, you are assured of getting your commissions every time you make a sale! For more details you can visit the FAQs section in the GroMo app.
30. MODIFICATIONS
- We reserve the right, at our sole discretion, to change or modify this Agreement at any time. In the event, we modify the terms of this Agreement, such modifications shall be binding on you only upon your acceptance of the modified Agreement. We will inform you about the modifications via email, on the Platform, Website, and the App by posting a modified version of this page, or by a comparable means within a reasonable time period. Your continued use of the Platform, Website, or the App shall constitute your consent to such changes.
31. REFUNDS AND CANCELLATION POLICY
- All in-app purchases are non-refundable; however, in cases where refunds are applicable, they shall be processed in the form of equivalent scratchcards within the GroMo platform. These scratchcards can be redeemed in-app and subsequently withdrawn to a bank account, subject to applicable terms.
- Refunds for transactions that remain pending or have failed shall be processed directly by the payment gateway to the original source of payment. In cases where GroMo receives a previously pending payment, the corresponding service or product shall be provided to the user.
- GroMo bears no liability for payments made by users to third parties for their products or services. Any disputes arising from such transactions must be resolved directly between the user and the respective third party.
- Refund processing times are subject to payment gateway and banking policies. Users are advised to allow a period of 5-7 business days for the completion of the refund process. GroMo shall not be held responsible for any delays caused by external financial institutions.
- For any concerns or queries related to payments or refunds, users may contact contact@gromo.in or call +91 8062159334. GroMo reserves the right to request additional information to process refund requests.
- GroMo reserves the sole right to amend, modify, or discontinue its refund policy at any time without prior notice. Any decisions made by GroMo concerning refunds shall be final and binding on all users.
30. Grievance Redressal Mechanism
1. Vitrak Technologies Private Limited (GroMo)
(a) Where can a complaint be made ?
Any customer having a grievance/complaint/feedback with respect to the services offered by Vitrak Technologies Private Limited (hereinafter referred to as ‘GroMo’) may write to GroMo’s Customer Service Department through any of the following channels:
Call at +91 1246933315
Email - support@gromo.in
Correspondence Address- 4th Floor, Plot No 63, BLM Tower, Sector 44, Gurugram, Haryana - 122003
Website - www.gromo.in
(b) Whom to approach for redressal ?
Customers are requested to raise their concerns through any of the channels mentioned above, the acknowledgement of which is sent within 3 working days. The issue is being resolved generally within 7-10 working days of raising the concern. In case the same is not resolved or if the customer is not satisfied with the resolution then it may be raised to the Grievance Redressal Officer. The name and contact details of the Grievance Redressal Officer is as follows:
Grievance Redressal Officer : Mr. Ankit Khandelwal
Email Id: escalation@gromo.in
Address - 4th Floor, Plot No 63, BLM Tower, Sector 44, Gurugram, Haryana - 122003
2. InCred Financial Services Limited
(a) How to log in a complaint/where can a complaint be made
Any customer having a grievance/complaint/feedback with respect to the product and services offered by InCred Financial Services Limited (hereinafter referred to as ‘the Company’) may write to the Company’s Customer Service Department through any of the following channels:
Call at 18001022192
Email- care@incred.com
You may write a letter at the address- Unit No. 1203, 12th floor, B Wing, The Capital, Plot No. C - 70, G Block, Bandra - Kurla Complex Mumbai-400051 Maharashtra
Website- www.incred.com
(b) Whom to approach for redressal
Customers are requested to first raise their concerns through any of the channels mentioned above. And if the same is not resolved within 5 days or if the customer is not satisfied with the solution provided by the customer care service, then the customer may follow below escalations for resolving their grievances,
Name: Ms. Rosy Dsouza
Contact: 022-42117799
Email Id: care@incred.com
In case the complaint is not resolved within a period of five days or if the customer is not satisfied with the solution provided by Mr. Kiran Gawand then the customer may approach the Grievance Redressal Officer. The name and contact details of the Grievance Redressal Officer is as follows:
Grievance Redressal Officer Name: Mr. Vaidyanathan Ramamoorthy
E-mail ID: incred.grievance@incred.comETelephone no.: 022-42117799
Address: Incred Financial Services Limited, 1203, 12th Floor, B Wing, The Capital, Bandra Kurla Complex, Mumbai - 400 051
https://www.incred.com/grievance.html
(c) Details of InCred Personal Loan:
Details of InCred Personal loans can be found at https://personal-loans.incred.com/personal-loan
3. Fibe (Early Salary Services Private Limited)
(a) How to log in a complaint/where can a complaint be made
Any customer having a grievance/complaint/feedback with respect to the product and services offered by Fibe (Early Salary Services Private Limited) (hereinafter referred to as the Company) may write to the Company's Customer Service Department through any of the following channels:
Name: Mr. Abhiroop Khairnar (GRO)
Contact: 02067639797
Email Id: grievance@fibe.com
If you are not satisfied by the resolution provided by the Grievance Redressal Officer, you can raise the complaint at RBI's Sachet Portal - sachet.rbi.org.in/
3. Kissht (Si Creva Capital Services Pvt Ltd)
(a) How to log in a complaint/where can a complaint be made
Any customer having a grievance/complaint/feedback with respect to the product and services offered by Kissht (Si Creva Capital Services Pvt Ltd) (hereinafter referred to as the Company) may write to the Company's Customer Service Department through any of the following channels:
Contact: 8044745955
Email Id: info@sicrevacapital.com
If you are not satisfied by the resolution provided by the Grievance Redressal Officer, you can raise the complaint at RBI's Sachet Portal - sachet.rbi.org.in/
These are the list of our lending/credit partners:
| Brand Name | Registered Company/NBFC Name |
|---|---|
| Aspire Fintech Private Limited | Aspire Fintech Private Limited |
| Bajaj Finserv | Bajaj Finance Ltd. |
| Fibe | Early Salary Services Private Limited |
| IIFL Finance Limited | IIFL Finance Limited |
| InCred Financial Services Limited | InCred Financial Services Limited |
| Prefr (Credit Vidya) | Infocredit Services Private Limited |
| Abhiloan | Knab Finance |
| KreditBee | Krazybee Services Private Limited |
| Moneywide | MLC Finotech Private Limited |
| SmartCoin Financials Pvt. Ltd. | SmartCoin Financials Pvt. Ltd. |
| SMFG India Credit Limited | SMFG India Credit Company Limited |
| Tata Capital Financial Services Limited | Tata Capital Financial Services Limited |
| Moneyview | Whizdm Innovations Private Limited |
| IDFC Bank | IDFC First Bank Limited |
| IndusInd Bank | IndusInd Bank Limited |
| Kissht | Si Creva Capital Services Pvt Ltd |
Registered Address
Flat – 7, Plot No. 103, Himversha Apartment, Patparganj, New Delhi, East Delhi, Delhi – 110092
Correspondence Address
Vitrak Insurance Brokers Private Limited 3rd Floor, Plot 63, BLM Towers, Sector 44, Gurugram,
Haryana - 122003
Direct Broker (Life & General)
Registration No. 826 | Valid till 16 June 2028
*Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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More About GroMo
About GroMo
Do you want to earn money online without investment? Download GroMo to earn extra income from home today!
What is GroMo ?
GroMo is the best money-earning app that will help you in starting a business without any investment. Become a GroMo partner by downloading the GroMo app from Play Store and sell financial products from different brands to customers and earn over ₹1,00,000 every month.
You can attend free training, learn how to sell financial products to customers and start earning.
Who can become a GroMo Partner ?
You can be a working professional, a businessman, a student or a housewife - our app is a one-stop solution for anybody looking to learn and earn money by selling financial products. Other than your primary source of income, you can easily earn extra money from home by joining GroMo.
GroMo is one of the best side income sources where you can engage customers by sharing content with them and getting the financial product activated.
What are the benefits of working with GroMo?
1 Zero Investment business : Start your own business with 0 investment
2 Work from homes : Get one of the best at-home job opportunities
3 Quick payout : Shortest payout cycle in the market
4 Side income source : One of the best extra income sources
5 Great customer service : Grow your business with help from our customer support team
What financial brands can you sell ?
You can start your online business @0 investment with us today. Sell insurance and financial products from next-gen brands like Axis bank, Kotak 811 bank, Upstox, Paytm Money, Freecharge, Bajaj Finserv, etc. and earn extra income online without investment.
You can sell financial products from the following brand categories:
- Savings accounts
- Insurance
- Credit cards
- Demat accounts
- Credit accounts
- Loan
- Investments
...and many other fantastic financial products with our at-home money earning business. Like what we do? Great, there's more!
What are the features of GroMo ?
GroMo is a great platform to sell financial products. Trust us, you won't find a better way to earn extra online without investment. Your customers will be happy to get access to multiple financial products with you and you will be happy to earn more income from home, all in one app.
You can even build a team through referrals and boost your earning with our app to make money. Here's is a list of GroMo features you would love:
1 Get educated : Upskill with our free online courses and webinars and become a certified financial advisor while still doing home based work.
2 Manage customers : Manage your customers and track their status in your GroMo App. Moreover, you can set up reminders to follow up with your customers.
3 Engage your customers : Keep your audience engaged with personalized content, website and visiting cards to sell financial products.
4 Refer and earn : Take full advantage of our fantastic referral policy and refer people in your network to GroMo on a regular basis.
5 Track your earnings : Use your in-app wallet to keep track of your earnings and transfer money to your bank account.
6 Data security : Securely maintain customer data in your financial app without worrying about any data safety issues.
Get ready to eam money without investment with GroMo. Download our financial app todayGoogle Play Storestart your job from home.