Onemoney Terms of Use

Onemoney Terms of Use


About Onemoney

Onemoney is the brand of Finsec AA Solutions Pvt Ltd. This Website ( owned, operated and maintained by FinSec AA Solutions Private Limited (“Company”), a company incorporated under the Companies Act, 2013 and having its registered office at 10-2-289/71, Krishna Doyen #501, Shanti Nagar, Hyderabad – 500028, Telangana, India.  


Reference to the term “Website” in these Terms of Use shall include the mobile application “Onemoney,” as the case may be, and/or any other software/application through which the User (a) accesses the Website, or (b) avails online services from Company under Onemoney brand, as the case may be.      

The terms “We” / “Us” / “Our” used in these “Terms of Use” refer to Company and the terms “You”/ “Your”/ “Yourself” document in these “Terms of Use” refers to the users of the Website (“Users”).  The term “Users” in these Terms of Use shall include persons(s) who visit or access the Website, or avail any of its functionalities or use any data or information available on the Website in any manner.  The term “Applicable Law” applicable laws, rules, regulations, circulars, orders, or other instructions (having force of law) of any government, legal or judicial authority in the territory of the User.  

Important Terms

This “Terms of Use” document constitutes an “electronic contract” between Company and the User of the Website under the laws applicable to the User. This electronic record is generated by a computer system and does not require any physical or digital signatures.


When You use any specific service provided by Us through the Website, You will be subject to the terms and conditions applicable to such service, and they shall be deemed to have been incorporated into these Terms of Use by reference, and shall be considered to be part and parcel of these Terms of Use.

We reserve the right, at Our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time without any prior written notice to You. It is Your responsibility to review these Terms of Use periodically for updates/changes. For certain changes, We may be required under Applicable Law to give You advance notice of any change(s) to the Terms of Use. Your continued use of the Website following the posting of changes will mean that You accept and agree to the revisions. As long as You comply with these Terms of Use, We grant You a personal, non-exclusive, non-transferable, limited privilege to enter and use the Website.

Onemoney Services

  1. The Services provided under the Website may include any of the following services:
    1. Account Aggregator Services: The Account Aggregator Services allow you to retrieve and view your financial information which is available with different “Financial Information Providers” (i.e., Banks, Mutual Funds, NBFCs, etc.) at one place on this Website.
    2. Other services including without limitation bill payment services, information, tools, alerts, articles, views, videos, advice, calculators, analysis, reports, statistics, etc. (collectively referred to as “Services”).

The provision of any or all the Services is subject to Applicable Laws in each territory.  One or more of our services may not be available in any territory, if the provision of such service is barred by Applicable Law in the territory. Further, the provision of any or all of the Services is subject to the sole discretion of the Company and its availability on the Website.  Please check our Website to confirm if any particular Services are available on our Website.  

  1. You hereby authorize and appoint Company as your agent with limited power to access your financial information, sensitive personal information, etc. from Financial Information Providers to provide Account Aggregator Services to you.
  1. All data and other information retrieved by Company from third-party sites are for informational purpose only and not for any trading or transactional purposes. In case you wish to carry out any transaction, you will be directed to the website of the respective Financial Information Provider or another third-party website for carrying out such transaction.
  1. All data and other information provided by the Company as part of the Account Aggregator Services is on an “as is” and “as available” basis, as obtained from the Financial Information Providers, and Company does not assume any responsibility or provide any warranty with respect to such information. Further, all data or other information obtained from Financial Information Providers may be based on delayed feeds and may not reflect the real-time / rates. The company shall not be responsible for any errors or delays in the data or information provided to Users as part of its Services or for any actions taken by Users in reliance thereon. 

Consent Architecture

  1. For providing information regarding financial assets of a User, Company shall obtain the consent of the User through a standardized consent artefact which may contain some or all of the following details:
    1. Identity of the User and optional contact information;
    2. The nature of the financial information requested;
    3. Purpose of collecting such information;
    4. the identity of the recipients of the information, if any;
    5. URL or other address to which notification needs to be sent every time the consent artefact is used to access information;
    6. Consent creation date, expiry date, identity and signature/ digital signature;
    7. any other attribute as may be required by the Company or under Applicable Law.
  1. The Company shall share information collected from any User only with the financial information user as expressly authorized by the User or with any credit or lending agency as may be permitted or required under Applicable Law.
  1. Users can at any point in time, revoke all or any of their consent(s) given to the Company to obtain any financial information relating to the Users.

General Conditions

  1. Competence to contract: Use of the Website is available only to those individuals and organizations who can form legally binding contracts under Applicable Law in their respective jurisdictions. Persons who are “incompetent to contract” as per Applicable Law in their jurisdictions are not eligible to use the Website. If you are a minor, i.e., under the age of 18 years, you shall not register as a User of the Website and shall not use the Website. As a minor, if you wish to use the Website, such use may be made by your legal guardian or parents on the Website. Company reserves the right to terminate your membership and/or refuse to provide you with access to the Website if it is brought to the Company’s notice or if it is discovered that you are under the age of 18 years.
  1. Authorization: In case You are registering as a business or a corporate entity, you represent that You are duly authorized by the business / corporate entity as applicable to accept this Agreement and You have the authority to bind that business / corporate entity to this Agreement.

User Registration

  1. Company may require Users to fill an online form and register themselves on the Website to avail all or any of the services rendered on the Website. The company may require Users to provide all information and submit all documents as may be required for registration of the User on Website or for availing any Service on the Website (“Registration Information”).
  1. You agree to:
    1. provide true, accurate, correct and complete Registration Information; and
    2. maintain and promptly update the Registration Information to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or if Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Company has the right to suspend or terminate any and all of your current or future use of the Services.
  1. Upon successful registration to use the Services and payment of Service Fee, your Account would be activated. You agree and understand that you will be solely responsible for maintaining the confidentiality of your password, which, together with your login ID, allows you to access the Services.
  1. By providing us with your email address and mobile number, you agree to receive all required notices and information electronically on that email address or mobile number. It is your responsibility to update any changes to your email address and mobile number. If you become aware of any unauthorized use of your Registration Information, you agree to notify Company immediately at the customer service helpdesk, the details of which are available on the Website. The company shall not be liable for any unauthorized use or access unless it is proved that unauthorized use or access occurred solely due to reasons directly attributable to Company.

Terms Of Use

You agree, undertake and confirm that Your use of the Website shall be strictly governed by the following binding principles:

  1. You shall not host, display, upload, modify, publish, transmit, update or share any information which:
    1. belongs to another person and to which You do not have any right;
    2. is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; or unlawfully threatening or unlawfully harassing including but not limited to “indecent representation of women” within the meaning of the Indecent Representation of Women (Prohibition) Act, 1986;
    3. is misleading in any way;
    4. is patently offensive to the online community, such as sexually explicit content, or content that promotes obscenity, paedophilia, racism, bigotry, hatred or physical harm of any kind against any group or individual;
    5. harasses or advocates harassment of another person;
    6. involves the transmission of “junk mail”, “chain letters”, or unsolicited mass mailing or “spamming”;
    7. promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous;
    8. infringes upon or violates any third-party’s rights [including, but not limited to, intellectual property rights, rights of privacy (including without limitation unauthorized disclosure of a person’s name, email address, physical address or phone number) or rights of publicity]; 
    9. promotes an illegal or unauthorized copy of another person’s copyrighted work (see “Copyright complaint” below for instructions on how to lodge a complaint about uploaded copyrighted material), such as providing pirated computer programs or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files;
    10. contains restricted or password-only access pages, or hidden pages or images (those not linked to or from another accessible page);
    11. provides material that exploits people in a sexual, violent or otherwise inappropriate manner or solicits personal information from anyone;
    12. provides instructional information about illegal activities such as making or buying illegal weapons, violating someone’s privacy, or providing or creating computer viruses;
    13. contains video, photographs, or images of another person (with a minor or an adult);
    14. tries to gain unauthorized access or exceeds the scope of authorized access to the Website or to profiles, blogs, communities, account information, bulletins, friend request, or other areas of the Website or solicits passwords or personal identifying information for commercial or unlawful purposes from other users;
    15. engages in commercial activities and/or sales without Our prior written consent such as contests, sweepstakes, barter, advertising and pyramid schemes, or the buying or selling of “virtual” products related to the Website;
    16. solicits gambling or engages in any gambling activity which We, in Our sole discretion, believes is or could be construed as being illegal;
    17. interferes with another User’s use and enjoyment of the Website or any other individual’s User and enjoyment of similar services;
    18. refers to any website or URL that, in Our sole discretion, contains material that is inappropriate for the Website or any other website, contains content that would be prohibited or violates the letter or spirit of these Terms of Use;
    19. harms minors in any way;
    20. infringes any patent, trademark, copyright or other proprietary rights or third party’s trade secrets or rights of publicity or privacy or shall not be fraudulent or involve the sale of counterfeit or stolen products;
    21. violates any law for the time being in force;
    22. deceives or misleads the addressee/ Users about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
    23. impersonate another person;
    24. contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or contains any trojan horses, worms, time bombs, cancelbots, easter eggs or other computer programming routines that may damage, detrimentally interfere with, diminish value of, surreptitiously intercept or expropriate any system, data or personal information;
    25. threatens the unity, integrity, defence, security or sovereignty of any nation, friendly relations between nation-states, or public order or causes incitement to the commission of any cognizable offense or prevents investigation of any offense or is insulting any other nation;
    26. is false, inaccurate or misleading;
    27. creates liability for Us or cause Us to lose (in whole or in part) the services of Our internet service provider (“ISPs”) or other suppliers.
  1. You shall not use any “deep-link”, “page-scrape”, “robot”, “spider” or other automatic devices, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Website or any content, or in any way reproduce or circumvent the navigational structure or presentation of the Website or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Website. We reserve Our right to bar any such activity.
  1. You shall not attempt to gain unauthorized access to any portion or feature of the Website, or any other systems or networks connected to the Website or to any server, computer, network, or to any of the services offered on or through the Website, by hacking, password “mining” or any other illegitimate means.
  1. You shall not probe, scan or test the vulnerability of the Website or any network connected to the Website nor breach the security or authentication measures on the Website or any network connected to the Website. You may not reverse look-up, trace or seek to trace any information on any other User of or visitor to Website, or any other customer, including any account on the Website not owned by You, to its source, or exploit the Website or any service or information made available or offered by or through the Website, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than Your own information, as provided for by the Website.
  1. You shall not make any negative, denigrating or defamatory statement(s) or comment(s) about Us or the brand name or domain name used by Us including the terms Company, or otherwise engage in any conduct or action that might tarnish the image or reputation, of Company or sellers on platform or otherwise tarnish or dilute any Company’s trade or service marks, trade name and/or goodwill associated with such trade or service marks, trade name as may be owned or used by us. You agree that You will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Website or Company’s systems or networks, or any systems or networks connected to Company.
  1. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or any transaction being conducted on the Website, or with any other person’s use of the Website.
  1. You shall not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal You send to Us on or through the Website or any service offered on or through the Website. You may not pretend that You are, or that You represent, someone else, or impersonate any other individual or entity.
  1. You shall not use the Website or any content for any purpose that is unlawful or prohibited by these Terms of Use or to solicit the performance of any illegal activity or other activity which infringes the rights of Company and / or others.


Company may provide You with notices and communications by e-mail, SMS, push notifications, regular mail or postings on the Website or by any other reasonable means. Except as otherwise set forth herein, any notice to Company must be sent by courier or registered mail and addressed to the Grievance Officer as per details specified above. 


No failure or delay by a party in exercising any right, power or remedy shall operate as a waiver thereof, nor shall any single or partial exercise of the same preclude any further exercise thereof or the exercise of any other right, power or remedy.


If any provision of these Terms of Use is invalid, unenforceable or prohibited by law, then, these Terms of Use shall be considered divisible as to such provision and such provision shall be inoperative, and the remainder of these Terms of Use shall be valid, binding and of like effect as though such provision was not included herein.  The company will substitute for the invalid or unenforceable provision a valid and legally enforceable provision, which achieves to the greatest extent possible the economic, legal and commercial objectives of the regulation, which is invalid or unenforceable.

If any provision of these Terms of Use is invalid, unenforceable or prohibited by law, then, these Terms of Use shall be considered divisible as to such provision and such provision shall be inoperative, and the remainder of these Terms of Use shall be valid, binding and of like effect as though such provision was not included herein.  The company will substitute for the invalid or unenforceable provision a valid and legally enforceable provision, which achieves to the greatest extent possible the economic, legal and commercial objectives of the regulation, which is invalid or unenforceable.

Applicable Charges 

  1. Payment of Fees: Company does not levy any fees for browsing the Website. The company may charge Users certain fees for the use of the Website and Services as a whole, or certain features of the Website/ Services. You agree to pay any such fees, as may be applicable to the Services that You use. The company will try to ensure that You are made aware of the applicability of any fees for a particular use of the Website/ Services, as well as the amount of fees payable by You for any such use of the Website / Services. You agree that Company may, at any time, charge, modify or waive fees required to use the Website. Your continued use of the Website/ Services after such change in the fees will be considered to be your acceptance of such changes, and applicability of these Terms of Use to such change.
  1. Provision of payment information: You agree to provide correct and accurate financial information, such as credit/debit card details to the approved payment gateway or pre-paid payment instrument account details for availing Services on the Website. You shall not use the credit/debit card or pre-paid payment instrument, which is not lawfully owned by You i.e., in any transaction, You must use Your own credit/debit card or pre-paid instrument account. The information provided by you will not be utilized or shared with any third- party unless required in relation to fraud verifications or by law, regulation or court order or in accordance with the terms of the Privacy Policy. You will be solely responsible for the security and confidentiality of Your credit/debit card details or pre-paid instrument account. Company expressly disclaims all liabilities that may arise as a consequence of any unauthorized use of Your credit/debit card or pre-paid instrument account.

Third Party Accounts

By using the Services, you authorize Company to access third-party account websites designated by you, on your behalf, to retrieve account information requested by you and you hereby appoint Company as your agent for this limited purpose. You hereby represent to us and that you are a legal owner of the account(s) and have the authority to designate Company as your agent, use the Services and to give Company your passwords, user names and all other information you provide. The Services do not have the capability to initiate transactions affecting your third-party financial accounts or provide notices or instructions affecting such financial accounts. Transactional and informational activities initiated by you at such sites are not made through the Services and we assume no responsibility for such activities. You are responsible for all charges associated with third-party accounts and agree to comply with the terms of those services. For all purposes hereof, you hereby grant Company a limited power of attorney, and you hereby appoint Company as your true and lawful attorneys-in-fact and agents, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third-party sites, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN THE COMPANY OR WEBSITE IS ACCESSING AND RETRIEVING INFORMATION FROM THIRD-PARTY SITES, THE COMPANY OR WEBSITE IS ACTING AS YOUR AGENT, AND NOT THE AGENT ON BEHALF OF THE BANK/THIRD-PARTY.

Intellectual Property Rights

The contents of the Website, including its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including Html-based computer programs) and other material are the owned/licensed by/to Company and/or its Third-Party Service Providers/their licensors and are duly protected by them under applicable copyright, trademark and other laws. You acknowledge and agree that Company and/or its licensors or suppliers own all rights to this Website, the content displayed on the Website and any intellectual or proprietary property and/or technology (in any form) made available to you as a part of or in conjunction with the Services.

You are only permitted to use any of the foregoing as expressly authorized by these Terms of Use, and otherwise, by the Services. You may download or print a copy of the information provided on this Website for your personal, internal and non-commercial use only. You shall not copy, reprint, reproduce (electronically or otherwise), distribute, or create derivative works from any content on the Website, in whole or in part, for any other purpose without our prior written consent. Further, you agree not to reverse engineer or reverse compile any technology associated with the Services, including but not limited to any software applications or Java applets associated with the Services Content, from the Website, in whole or in part.

Limitation Of Liability

You agree that we will not be liable for any damage or loss either direct, indirect, incidental, special, consequential or exemplary, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, even if we have been advised of the possibility of such damages, resulting from:

  1. The use or the inability to use the Services;
  2. Any products, data, information or service purchased or obtained or messages received through or from the Services;
  3. Unauthorized access use of your personal data used by you to access your third-party accounts;
  4. Alteration of your transmissions or data obtained from/stored in your third-party accounts;
  5. Statements or conduct of anyone on the Services; or
  6. Any other matter relating to the Services.

Without prejudice to the generality of the foregoing, in case of Company is held to be liable to for any damages under Applicable Law, then the liability of Company will be limited to fees or other consideration paid by the User for availing the Services from Company.


You agree to indemnify and hold harmless the Company, its owners, licensees, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from and against, any and all suits, actions and proceedings, claims, liabilities, losses, damages, costs and expenses, including reasonable outside attorneys’ fees, arising directly or indirectly in connection with:

  1. Your violation of any law, regulation or order of any government or judicial authority; or
  2. any act, omission, fraud, negligence or default or the breach of any of Your obligations or representations under these Terms of Use or any other agreement/policy between You and the Company;
  3. any infringement of any intellectual property rights of the Company or any third-party. 
  4. any infringement of any intellectual property right of the Other Party or any third-party.

Compliance With The Law

You agree to comply with all Applicable Laws while using the Services. You agree not to use the Services for any illegal purpose or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another’s privacy, abusive, threatening, or obscene, or that infringes the rights of others. You shall also ensure that you are not prohibited, whether contractually or otherwise, from availing of the Services. Please do check whether the terms and conditions of the financial services which you may seek to aggregate pursuant to the Services offered, prohibit the use of the Services in any manner whatsoever. In the event there exists any prohibition, please do not avail of the Services for aggregation of information in respect of such financial services.

Country Specific Provisions


Supplementary terms and conditions


These “Terms of Use” have been published by Company in accordance with Rule 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011.  


These Terms of Use, the Services and the relationship between You and Company shall be governed in accordance with the laws of India. You agree that all claims, differences and disputes arising under or in connection with or in relation hereto the Website, these Terms of Use, the Agreement(s) entered into on or through the Website or the relationship between You and Company shall be subject to the exclusive jurisdiction of the courts at Hyderabad.


In accordance with the laws applicable to Services being provided, the Company agrees that:

  1. Company shall provide Services to You based on Your explicit consent;
  2. Company shall ensure that the provisions of Services to You are backed by appropriate agreements/ authorizations between Company, You and the Financial information providers;
  3. Company shall share your financial information only with third parties as explicitly specified and consented by You;
  4. No financial information relating to You which is accessed by Company shall reside with the Company;
  5. Company shall not use the services of a third-party service provider for undertaking the business of Account Aggregation;
  6. Company shall not access Your user authentication credentials relating to accounts with various financial information providers;
  7. Company shall not part with any information that it may come to acquire from/on Your behalf without Your explicit consent;

If ANY complaint/dispute is not redressed within a period of one month of submission of all details to the Grievance Officer, the user may appeal to the Reserve Bank of India in accordance with applicable regulations.

Any other country

Supplementary terms and conditions

The following provisions shall apply in every country in which the Services are being offered and which is not specifically mentioned above: 


These Terms of Use, the Services and the relationship between You and Company shall be governed in accordance with the laws of India. You agree that all claims, differences and disputes arising under or in connection with or in relation hereto the Website, these Terms of Use, the Agreement(s) entered into on or through the Website or the relationship between You and Company shall be subject to the exclusive jurisdiction of the courts at Hyderabad.


Data and information retrieved through the Services are for informational purposes only and are not intended for trading or transactional purposes. Company shall not be liable for any errors or delays in the content or information obtained through the Services, or for any actions taken in reliance thereon.

You expressly understand and agree that your use of the Services is at your sole risk. The Services are provided on an “as is” and “as available” basis. We expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

We make no warranty that:

  1. The Services will meet your requirements;
  2. The Services will be uninterrupted, timely, secure, or error-free;
  3. The results or information that may be obtained from the use of the Services will be accurate or reliable
  4. That your personal data used by you to access your third-party accounts through the Services will be protected in any manner whatsoever;
  5. Any errors in the technology will be corrected


Contact Onemoney

Any complaint/grievance concerning the Services or the Website may be submitted to the Grievance Officer of the Company as per details provided below:

Name: Ms Usha Kiran

Address: 10-2-289/71, Krishna Doyen #501, Shantinagar, Hyderabad 500028, India.  

Phone: +91 40 6663 5679 or +91 90100 98899


Time: 10:30 am to 5:30 pm

Onemoney and Moneyone Group Fair Practices

We will provide all our stakeholders, including individual and MSME consumers as well as all partners and associates, with efficient service with fairness and justice in the true sense of the words. This Fair Practices Code includes the principles and guidelines in “Guidelines on Fair Practices Code for NBFCs” issued by the Reserve Bank of India and updated periodically.  We will go beyond efficiency, compliance and fairness by providing all our services at prices that enable our partners to provide affordable products and services to individual consumers and MSME businesses.  The structuring of the prices will be carefully and consultatively tailored to each market segment resulting in consumer happiness and may include unit economics of each use case, volume discounts and tailored mechanisms.

Broadly, the fair practices code is based on:

  1. Efficiency in operations
  2. Fairness and transparency in pricing
  3. Responsiveness to feedback and grievances

Escalation Matrix

Onemoney and Moneyone Group Escalation Matrix for customer service 

Escalation LevelResponsibility OfContact PersonEmailTimeline
Level 1Customer Support TeamAvailable Personhelpdesk@onemoney.in1 to 5 Days
Level 2Engineering HeadBhoopal Reddybhoopal@onemoney.in6 to 15 Days
Level 3CEOKrishna Prasadceo@onemoney.in16 to 29 Days



In case of any non-compliance or violation of these Terms of Use, Company has the right to immediately terminate the access or usage rights of the Users of the Website and remove any and all non-compliant information from the Website.