Terms and Conditions

Effective Date: 10th Jun 2025

These Terms and Conditions ("Terms") govern your access and use of the [App Name] mobile application (the "App"), operated by Jay Laxmi Group (JLG) ("we", "us", or "our").

By using the App, you agree to be bound by these Terms. If you do not agree, please do not use the App.

1. Description of Services

• View the money collected by Jay Laxmi Group (JLG)
• Track deposits made by Jay Laxmi Group (JLG) on your behalf
• Earn interest or incur penalties based on withdrawal timing relative to the agreed maturity period

The App is a digital record-keeping and communication tool only.

2. Account Registration and Access

• Be a registered customer of Jay Laxmi Group (JLG)
• Provide accurate information during account creation
• Keep your login credentials confidential
• You are responsible for all actions taken under your account.

3. Deposits and Withdrawals

All funds shown in the App reflect transactions between you and Jay Laxmi Group (JLG).

• Withdrawals before the maturity period may be subject to penalties as per your agreement with Jay Laxmi Group (JLG).
• All financial terms are governed by your offline or legally binding agreement with Jay Laxmi Group (JLG).

4. Interest and Penalty Policy

Interest earnings and early withdrawal penalties are determined solely by Jay Laxmi Group (JLG), and details will be shown in the App when applicable.

The App does not guarantee or control these rates. All financial rights and obligations are solely between you and Jay Laxmi Group (JLG).

5. Limited Role of the App

• Is a tool for viewing and requesting updates related to your funds
• Does not handle real money or provide financial, banking, or investment services
• Is not a substitute for your official agreement or receipts with Jay Laxmi Group (JLG)

6. Data and Accuracy

We strive to ensure all data in the App is up to date and accurate. However, users must verify transaction details directly with Jay Laxmi Group (JLG) for any disputes or clarifications.

7. Prohibited Use

• Use the App for illegal purposes
• Attempt to gain unauthorized access to other users' accounts
• Modify or reverse-engineer the App

8. Termination

We may suspend or terminate your access to the App at any time, especially in cases of suspected misuse or security concerns.

9. Developer Disclaimer

The App was developed by a third-party developer on behalf of Jay Laxmi Group (JLG). The developer:

• Is not a party to any agreement between you and Jay Laxmi Group (JLG)
• Does not collect, store, or manage your funds or personal data
• Is not responsible for any losses or liabilities arising from your use of the App

By using the App, you acknowledge that any claims or disputes must be directed to Jay Laxmi Group (JLG) and not to the developer.

10. Permissions Used

Our app may request permission for:

• Notification permission – to send you push notifications

You can manage or disable notifications at any time through your device settings.

If you disable notifications, you will not receive any alerts, updates, or messages from the app, including those related to service activity, feature availability, or critical information.

11. Changes to Terms

We may revise these Terms periodically. Updates will be posted in the App and take effect immediately. Continued use means you accept the new Terms.

12. Contact Information

Jay Laxmi Group (JLG)
📧 jay.laxmi.group.94@gmail.com
📞 +91 96895 96939
📍 Near Shri Sai Pure Veg Restaurant,
Devi Road, Dharmabad,
Dist-Nanded, Maharashtra, India – 431809