Terms & Conditions

1 Introduction & Acceptance of Terms

Welcome to Wealth Grow. These Terms and Conditions ("Terms", "Agreement") constitute a legally binding agreement between you ("User", "Member", "Investor") and Wealth Grow regarding your access to and use of our web portal, mobile web application, affiliate network, and associated services (collectively referred to as the "Platform" or "Services").

By creating an account, depositing funds, subscribing to packages, referring new members, or clicking "I Agree", you confirm that you have read, understood, and agreed to be bound by all provisions of these Terms and our companion Privacy Policy. If you do not agree with any part of these Terms, you must discontinue using our Platform immediately.

2 User Eligibility & Account Registration

• Age Requirement: You must be at least eighteen (18) years of age and legally competent to enter into a binding contract under Indian law.
• Accurate Information: You agree to provide true, current, and complete details during sign-up, including your legal name, mobile number, email address, and bank/UPI payment credentials.
• One Account Policy: Each member is strictly permitted to operate only one (1) account. Registering multiple accounts using duplicate details or fraudulent tactics to manipulate referral bonuses is strictly prohibited.
• Account Security: You are solely responsible for preserving the confidentiality of your username, password, and transaction PIN. Wealth Grow will not be liable for unauthorized transactions executed due to password sharing or user negligence.

3 Packages, Subscriptions & ROI Accruals

Wealth Grow offers tiered investment packages designed to generate returns through structured business operations and distribution models:

• Package Activation: An investment package is activated only after the successful verification and clearance of deposited funds in the system.
• ROI & Profit Distribution: Return on Investment (ROI) is calculated based on the specific package parameters subscribed to by the member (Daily, Monthly, or Yearly as configured). All accruals are credited to the user's dashboard wallet according to automated system schedules.
• Lock-in Periods & Package Validity: Certain packages may carry defined validity cycles or lock-in terms. Early termination or cancellation of active packages is subject to platform administrative guidelines.

4 Referral, Direct & Team Commission Structure

Members may participate in our multi-tier affiliate program to earn self-commission, direct sponsor incentives, and level team bonuses:

• Sponsor Integrity: During registration, members must provide a valid Sponsor Code. Once an account is registered under a sponsor, sponsor re-assignment requests will not be entertained.
• Commission Payouts: Referral commissions are generated upon active package subscriptions by your direct and level team members in compliance with the system compensation plan.
• Anti-Spam & Ethical Marketing: Members must market Wealth Grow transparently and ethically. False guarantees, fabricated claims, spamming, or defamatory statements against the platform are strictly forbidden and will lead to immediate account forfeiture.

5 Wallet Funding & Deposits

• Members may add funds to their wallet using approved digital gateways, UPI transfers, QR codes, or company bank accounts displayed within the authorized user panel.
• When performing manual deposits, members must accurately submit the authentic transaction UTR / Transaction Reference ID and proof receipt. Submitting fake or re-used payment receipts will result in immediate permanent banning.
• Deposits once verified and converted into active packages or wallet credits are non-refundable.

6 Withdrawal & Payout Policy

• Eligible Wallet Balance: Withdrawals can only be initiated from eligible income/withdrawable wallet balances, subject to meeting minimum threshold limits.
• Deductions & Service Charges: All withdrawal requests are subject to an administrative and operational deduction of 2% (or TDS as applicable under government regulations).
• Accurate Banking Details: It is the member's sole obligation to submit accurate Bank Account details (Account Number, Holder Name, IFSC Code) or UPI ID. Wealth Grow bears no liability for transfers sent to incorrect accounts due to member errors.
• Bank Settlement Timelines: While payout requests are initiated within designated operating hours, actual bank credit times depend on NEFT/IMPS/UPI clearing network delays and bank holidays.

7 Risk Disclosure & Financial Disclaimer

Wealth Grow does not act as a banking institution, licensed financial advisory firm, or stock exchange broker. All programs and returns are governed by business performance, network circulation, and ecosystem parameters. Members make contributions voluntarily at their own discretion and business judgment.

8 Prohibited Conduct & Account Suspension

We maintain zero tolerance toward malicious, unauthorized, or manipulative practices. Wealth Grow reserves the absolute right to freeze funds, revoke bonuses, or permanently terminate accounts found engaging in:

• Exploitation of software bugs, SQL injection, automated scripting, bots, or unauthorized API access.
• Creating artificial networks or circular fake referrals to extract illegitimate referral incentives.
• Initiating fraudulent chargebacks, bank disputes on verified deposits, or submitting duplicate transaction receipts.
• Misrepresenting company officers, defaming brand reputation across social media, or operating competing illegal syndicates under the company brand.

9 Limitation of Liability

To the maximum extent permitted by applicable law, Wealth Grow, its administrators, promoters, developers, and partners shall not be held liable for any direct, indirect, punitive, incidental, or consequential damages resulting from:

• Inability to access the platform due to server maintenance, cyber disruptions, or ISP telecommunication downtime.
• Delays or failures in banking channels, third-party payment gateways, or UPI settlement networks.
• Account compromise arising from negligence, phishing, or shared login credentials.

10 Amendments, Governing Law & Jurisdiction

Modifications: We reserve the right to revise or amend these Terms, payout schedules, package configurations, and platform policies at any time. Notice of revisions will be made visible on this page. Your continued use of the platform following modifications implies unconditional acceptance of updated terms.

Governing Law: These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the substantive Laws of India. All legal proceedings shall be subject to the exclusive jurisdiction of the competent courts in India.

11 Contact & Grievance Redressal

If you have any questions, clarifications, or grievances regarding these Terms and Conditions, please reach out to our official support team: