Legal

Disclaimer

Last updated: July 29, 2026

The information provided on the KoinVü website, application, and associated platforms (collectively, "Services") is for general informational and transactional purposes only. By using the Services, you acknowledge and agree to the terms of this Disclaimer.

1. No Financial Advice

KoinVü is a digital payment facilitation platform. Nothing on our Services constitutes financial, investment, tax, or legal advice. Any content related to savings, rewards, or financial benefits is for illustrative and informational purposes only. You should consult a qualified professional before making any financial decisions.

2. Accuracy of Information

While we make every effort to ensure the accuracy and timeliness of the information presented, KoinVü does not warrant that all content, including service availability, bill amounts, recharge rates, or rewards values, is always complete, accurate, or up to date. Information is subject to change without notice based on third-party service provider data.

3. Third-Party Services

KoinVü acts as an intermediary to connect you with third-party utility providers, telecom operators, insurance companies, and payment gateways. We are not responsible for:

  • The accuracy of billing data retrieved from third-party systems
  • Service disruptions, errors, or downtime caused by third-party providers
  • Delays in payment processing due to banking or network failures outside our control
  • The content, policies, or practices of any third-party websites linked from our platform

4. Transaction Errors

KoinVü is not liable for failed or delayed transactions caused by incorrect information provided by the user (such as wrong mobile numbers, account numbers, or consumer IDs), network outages, or third-party payment gateway failures. It is the user's responsibility to verify all transaction details before submission.

5. Rewards Programme

XP rewards and VU Points are subject to the terms of the rewards programme, which may change at KoinVü's discretion. Stated reward rates, multipliers, and redemption values are indicative and may vary based on transaction type, promotional campaigns, or programme revisions. KoinVü makes no guarantee of continued rewards availability or value.

6. Security Limitations

Although KoinVü employs industry-standard security measures, no system is entirely immune to security risks. KoinVü disclaims any liability for losses resulting from data breaches, cyber-attacks, or unauthorised access beyond our reasonable control, provided we have implemented adequate security measures.

7. Regulatory Compliance

KoinVü operates in compliance with applicable Indian financial regulations. However, regulations governing digital payments and financial services may change. Users are responsible for ensuring that their use of the Services complies with the laws applicable in their jurisdiction.

8. Limitation of Liability

To the fullest extent permitted by law, KoinVü, its directors, employees, partners, and agents disclaim all liability for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on any information or services provided through our platform.

9. Changes to This Disclaimer

KoinVü reserves the right to modify this Disclaimer at any time. Changes will be effective immediately upon posting on this page. Your continued use of the Services constitutes acceptance of the revised Disclaimer.

10. Contact Us

For any questions about this Disclaimer, please contact: