Terms & Conditions
1. Introduction & Corporate Identification
These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User”, “Client”, or “Data Principal”) and RUPEEPEOPLE PRIVATE LIMITED (CIN: U70200TN2026PTC194904), a private limited company incorporated under the Companies Act, 2013 having its registered office at Plot No -41, VTK First Street, Vasanthapuram, Katpadi, Vellore - 632007, Tamil Nadu, India (“RupeePeople”, “Company”, “we”, “our”, or “us”).
These Terms govern your use of RupeePeople’s asset discovery services, website (rupeepeople.com), communication channels, and mobile applications. By accessing our services or making a payment, you agree to be bound by these Terms.
These Terms incorporate our Privacy Policy (Version 2.0) and Cancellation & Refund Policy, aligned with the Digital Personal Data Protection Act, 2023 (DPDP Act). Your statutory rights under the DPDP Act prevail over any conflicting provision in these Terms.
2. Nature of Service
RupeePeople provides financial asset discovery, search orchestration across statutory portals (UDGAM, EPFO, IEPF, CAMS, KFintech, insurance repositories), documentation auditing, and structured claim dossier preparation for families and NRIs.
We do not provide legal representation, financial advisory, wealth management, tax advice, or guaranteed asset recovery. All decisions regarding claim filings and asset disbursements remain at the sole discretion of the respective banks, insurance companies, and statutory authorities.
3. Eligibility & Age
You must be at least 18 years of age, or a legal guardian or authorised representative acting with lawful authority (including for deceased persons’ estates, minor heirs, or power-of-attorney holders). We reserve the right to request proof of identity, age, relationship, and legal authority before undertaking discovery searches.
4. Data Protection & Consent
You acknowledge our Privacy Policy and consent to the processing of personal and family data for asset discovery purposes as described therein. You confirm that all information and identity documents provided to RupeePeople are legitimate and that you possess lawful authority to request discovery regarding the named individual.
For privacy disputes or to exercise your Data Principal rights under the DPDP Act, contact our Grievance Officer at support@rupeepeople.com or +91 80562 21285.
5. Client Responsibilities
To enable efficient asset discovery, clients agree to: provide accurate identification details and supporting documentation (death certificates, PAN, Aadhaar, old policy bonds, or employer letters where applicable); respond promptly to verification queries; and use discovered information responsibly and lawfully.
6. Scope & Limitations of Discovery
Discovery outcomes depend on the completeness of documents provided, government and banking portal uptime, and institutional response cycles. While RupeePeople employs rigorous multi-portal search protocols, we cannot guarantee that unclaimed assets exist or will be successfully traced in every case.
7. Service Timelines & Fulfillment SLA
All service deliverables (custom Evidence Packs, Portal Discovery Dossiers, and claim guidance paperwork) are delivered electronically via encrypted email or secure digital downloads within the following estimated timelines:
- Medical Emergency: 7–10 calendar days
- Job Loss & Employer Dues: 5–7 calendar days
- Post-Death Asset Discovery: 3–6 weeks
- Divorce & Matrimonial Asset Mapping: 2–4 weeks
- Contested Inheritance Dispute Mapping: 4–8 weeks
8. Pricing, Payment, Cancellation & Refund Policy
8.1 Transparent Fixed Fees: RupeePeople operates strictly on a transparent, flat-fee pricing model ranging from ₹999 to ₹39,999 depending on the case tier (Medical Emergency ₹999–₹5,999; Job Loss ₹1,999–₹9,999; Post-Death Discovery ₹4,999–₹19,999; Matrimonial / Divorce ₹5,999–₹29,999; Contested Inheritance ₹9,999–₹39,999). We never charge percentage commissions on recovered funds or hidden contingency fees.
8.2 Payment Processing: Online payments are processed securely through Reserve Bank of India (RBI) authorized payment aggregators and gateways (including Razorpay Software Private Limited). We accept UPI, Net Banking, Credit Cards, Debit Cards, and authorized wallets. RupeePeople never stores or accesses your card details, CVV, or banking PINs.
8.3 Cancellation Policy:
- Pre-Search Cancellation: You may request cancellation within 24 hours of payment or at any time before our research team initiates verification searches on government/financial portals. Upon timely cancellation prior to search initiation, 100% of the advance fee will be refunded.
- Ineligibility for Cancellation: Once initial document verification and portal search queries have commenced, or custom Evidence Pack generation has begun, cancellation requests cannot be accepted due to operational costs incurred.
8.4 Refund Settlement Timeline:
- Eligible refund requests must be sent in writing to support@rupeepeople.com with your Case Reference ID and payment transaction receipt.
- Approved refunds are initiated within 2 business days and credited back to the original payment method (bank account, UPI handle, or card) within 5 to 7 business days, in accordance with standard Indian banking settlement cycles.
- For detailed policies, refer to our standalone Cancellation & Refund Policy.
8.5 Digital Delivery Policy: All deliverables are fulfilled in digital PDF format via encrypted email. No physical goods or shipments are dispatched.
9. No Guarantee of Recovery
RupeePeople assists in discovery, documentation assembly, and claim procedural guidance. We do not guarantee fund disbursement, claim approval, or institutional timelines, as these are determined solely by the respective financial institutions and government bodies.
10. Limitation of Liability
To the maximum extent permitted by applicable Indian law, RupeePeople’s total aggregate liability arising out of or related to our services shall not exceed the total fees paid by the client for the specific service tier engaged. Nothing in these Terms shall limit or exclude rights guaranteed under the DPDP Act, 2023.
11. Reports & Proprietary Formats
Evidence Packs and Discovery Dossiers prepared by RupeePeople are licensed for your personal use, succession proceedings, claim filings, and legal consultation. RupeePeople retains proprietary ownership of all software tooling, report formats, algorithmic templates, and Case OS workflows.
12. Termination
We reserve the right to suspend or terminate services immediately in cases of fraudulent documentation, unlawful requests, abusive conduct, or non-payment. Clients may terminate services at any time; post-termination personal data retention follows our DPDP Act Privacy Policy schedule.
13. Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in Vellore / Chennai, Tamil Nadu, India.
14. Corporate Disclosures & Grievance Redressal
For service support, corporate communications, or statutory inquiries:
RUPEEPEOPLE PRIVATE LIMITED
CIN: U70200TN2026PTC194904 · SPICe+ Part B SRN: AC4315468
Registered Office: Plot No -41, VTK First Street, Vasanthapuram, Katpadi, Vellore - 632007, Tamil Nadu, India
Grievance & Compliance Officer: Ramkumar Sankar (Director, DIN: 11808029)
Support & Grievance Email: support@rupeepeople.com
Corporate Email: info@rupeepeople.com
Official Phone / WhatsApp: +91 80562 21285
Official Website: https://www.rupeepeople.com