Terms & Conditions

Meet Richie, Your Finance Buddy

Terms & Conditions

Last updated: 30 April, 2025

Welcome to Richie!
By accessing or using our website, services, and products, you agree to the following terms:

1. Services Offered

Richie provides personalised financial action plans based on user-provided information. We do not offer investment advisory services, nor are we a substitute for a certified financial planner.

2. User Responsibilities

You agree to provide accurate, complete, and updated information when requested.
Richie is not liable for any losses resulting from incomplete, incorrect, or misleading information provided by the user.

3. No Guaranteed Outcomes

Financial planning involves market risks, personal discipline, and external factors beyond our control. Richie offers guidance but does not guarantee financial returns, goal achievements, or credit score improvements.

4. Personal Use Only

The financial plans generated are for your personal use only. Sharing, selling, or commercially exploiting Richie’s output without permission is strictly prohibited.

5. Intellectual Property

All content, design, and branding on Richie (website, app, materials) are owned by FREP FINTECH SOLUTIONS PVT LTD and protected under applicable copyright laws.

6. Refund Policy

Our refund policy is detailed separately.

7. Modification of Services

Richie may update, enhance, or discontinue services at its discretion. We’ll do our best to inform users of any major changes.

8. Limitation of Liability

In no event will Richie or FinRep be liable for indirect, incidental, special, or consequential damages arising from your use of the services.

9. Governing Law

These Terms are governed by the laws of India. All disputes shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.