Terms of Service

1. Acceptance of Terms

By accessing or using the CHITTY platform, you agree to be bound by these Terms of Service. If you do not agree to all of these terms, you may not access or use our services.

2. Description of Service

CHITTY provides a digital platform for rotating savings and credit associations (ROSCA), traditionally known as chit funds. We facilitate the organization, management, and digital recording of these groups according to applicable regulations.

3. User Responsibilities

As a user of CHITTY, you are responsible for:

• Providing accurate and complete registration information
• Maintaining the security of your account credentials
• Ensuring timely contributions to your chosen groups
• Complying with all local financial laws and regulations

4. Financial Disclaimer

Chit funds involve financial commitments and risks. While CHITTY provides the platform and management tools, users must understand the nature of the ROSCA model. Participation should be based on your own financial assessment and capability.

5. Limitation of Liability

To the maximum extent permitted by law, CHITTY shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.

6. Governing Law

These terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Any disputes shall be subject to the exclusive jurisdiction of courts in Kerala, India.