Terms & Conditions of Service

1. Definitions & Introduction

These Terms & Conditions ("Terms") govern your relationship with WinToday Technologies ("WinToday", "Platform", "Company", "We", "Us"). By creating an account, accessing our mobile application, or utilizing our website services, you acknowledge that you have read, understood, and agreed to be bound by these Terms.

Key Definitions:

• "Platform" refers to the WinToday Android application, website, backend APIs, and financial management dashboards.
• "Investor" / "User" means any individual who has registered an account and been onboarded on the Platform.
• "Investment Plan" means a curated capital allocation tier (e.g., Silver, Gold, Platinum) with specified target daily return rates and allocation guidelines.
• "Daily Return" means the calculated earnings credited to an active investment record on eligible business days (Monday through Friday, excluding public holidays).
• "UTR" means the Unique Transaction Reference number generated by authorized Indian payment systems (UPI, IMPS, NEFT) confirming a funds transfer.
• "KYC" means Know Your Customer identity verification procedures compliant with internal risk governance.

2. Investor Eligibility Criteria

To be eligible to open an account, deposit funds, or hold investment plans on WinToday, you must satisfy all of the following requirements:

1. You must be an individual resident citizen of India of at least 18 years of age with full legal capacity to enter into binding contracts under the Indian Contract Act, 1872.
2. You must possess a valid, authentic Permanent Account Number (PAN) issued by the Income Tax Department of India.
3. You must possess an authentic Aadhaar number verifiable through consent-based DigiLocker electronic KYC (eKYC).
4. You must maintain an active Indian rupee savings or current bank account held in your own legal name with a scheduled commercial or payments bank in India.
5. You may not register on behalf of third parties, corporate entities, trusts, or synthetic personas. WinToday enforces a strict "One Individual, One Account" policy.

3. Account Registration & Security Responsibilities

Upon registering, you agree to supply true, accurate, current, and complete personal and banking information. You are solely responsible for:

• Maintaining the confidentiality of your mobile login credentials, PIN, and biometric access controls.
• Preventing unauthorized physical or remote access to the smartphone on which the WinToday application is installed.
• Promptly notifying WinToday customer support at support@wintoday.app upon becoming aware of any compromised credentials, lost devices, or suspicious transactions.
• Ensuring that your registered mobile number and email address remain accessible, as these are utilized for critical security notices and withdrawal OTPs.

4. Investment Plans & Daily Return Calculation Terms

WinToday offers structured investment tiers designed to deploy capital into underlying revenue-generating operations and asset portfolios:

• Business Days Accrual Only: Daily returns are accrued strictly on business days (Monday through Friday, approximately 22 business days per calendar month). Returns do not accrue on Saturdays, Sundays, or declared national banking holidays.
• Non-Compounding Calculation: Daily returns are calculated using a non-compounding formula based on active principal: daily_return = principal * daily_return_rate. Plan return rates (e.g., 0.80%, 0.90%, 1.00%) are snapshotted at investment creation.
• Indicative Projections: Calculators and simulation tools provided on the website or mobile application demonstrate hypothetical outcomes based on continuous business-day accrual. They are analytical estimations and do not constitute legal promises or bank-guaranteed yields.
• Plan Tiers: Minimum and maximum investment thresholds apply to each plan tier. Upgrades to higher-earning tiers occur when accumulated active principal satisfies higher tier criteria.

5. Payment Submission & Investment Activation

Investment activation is subject to manual and banking ledger verification. The submission of a payment request does not automatically activate an investment:

• Direct Banking Transfers: Investors must initiate fund transfers from their own verified bank accounts using official UPI, IMPS, or NEFT channels into the designated platform escrow accounts.
• Mandatory UTR Submission: The investor must accurately submit the 12-digit UTR number and an unedited screenshot of the payment receipt via the application interface.
• Manual Ledger Matching: WinToday operations personnel review and reconcile submitted UTRs against verified bank credit statements. Only after successful confirmation of funds in the platform escrow account is the investment status transitioned from Pending to Active.
• Rejection of Unmatched Deposits: Incomplete, unreadable, recycled, or mismatched UTR submissions will be marked as Rejected. WinToday accepts no liability for delays arising from incorrect UTR entry or third-party banking system transmission failures.

6. Withdrawal Rules & Settlement Timelines

Withdrawals of eligible returns and capital are governed by strict compliance and liquidity controls:

• Mandatory KYC Pre-Requisite: No withdrawal request can be submitted or approved unless the investor has completed full KYC onboarding (verified PAN, verified Aadhaar via DigiLocker, and an active verified primary Indian bank account).
• Same-Name Bank Account Whitelist: Payouts are made exclusively to the verified primary Indian bank account registered in the investor’s legal name matching verified identity records. Third-party disbursements are strictly prohibited.
• Administrative Review: Withdrawal requests undergo risk, liquidity, and AML review by our operations desk prior to approval. WinToday reserves the right to request supplemental identity verification if unusual velocity or patterns are observed.
• No Guaranteed Payout Dates: While payouts typically process within 24 to 72 business hours of operational approval, WinToday does not warrant same-day or instant settlement. Processing timelines are subject to national clearing house hours (NEFT/RTGS), banking holidays, and compliance audits.

7. Plan Downgrades & Principal Adjustments

Where an investor requests a withdrawal of principal capital:

• The remaining invested principal in the active contract is reduced accordingly.
• If the remaining principal drops below the minimum threshold required for the current plan tier, the investment record will be automatically transitioned to the appropriate lower-tier plan, and future daily return accruals will reflect the new lower rate.
• Accrued historical returns already credited to the user’s ledger prior to the effective date of the withdrawal are not retroactively clawed back.

8. Account Suspension & Termination

WinToday reserves the right to restrict, suspend, or permanently terminate accounts (UserStatus::Blocked) without prior notice under the following circumstances:

• Submission of fraudulent, forged, altered, or stolen PAN or Aadhaar documentation.
• Submission of fabricated or recycled payment UTR numbers or forged payment receipt screenshots.
• Suspected involvement in money laundering, terrorist financing, identity theft, or unauthorized third-party account operation.
• Abusive, threatening, or harassing behavior directed at WinToday customer support or compliance personnel.
• Breach of any material provision of these Terms or violation of applicable Indian laws.

9. Prohibited Activities & Platform Integrity

Investors agree not to engage in any of the following prohibited behaviors:

• Attempting to probe, scan, or test the vulnerability of the Platform or breach security or authentication barriers.
• Using automated scripts, bots, spiders, or scrapers to access Platform endpoints.
• Reverse engineering, decompiling, or disassembling the WinToday mobile APK or backend APIs.
• Engaging in referral fraud, synthetic user loops, or bonus manipulation schemes.

10. Disclaimers & No Guaranteed Returns

Crucial Financial Notice:

• Not a Banking Deposit: WinToday is not a scheduled commercial bank, payments bank, or NBFC. Capital deployed does not constitute a bank savings account, fixed deposit (FD), or recurring deposit (RD).
• No Deposit Insurance: Funds on the Platform are not insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) or any government agency.
• No Guaranteed Performance: Past return distributions, calculator estimates, or illustrative percentages do not guarantee future yields. All financial allocations entail risk of capital loss.

11. Limitation of Liability & Consumer Rights

To the maximum extent permitted by applicable Indian law:

• WinToday and its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, punitive, or consequential damages resulting from platform downtime, banking transmission failures, network latency, or market events.
• WinToday’s total aggregate liability arising out of or relating to your use of the Platform shall be strictly limited to the undisputed balance of eligible unreturned funds in your account.
• Non-Waivable Statutory Rights: Nothing in these Terms shall be construed to waive, restrict, or exclude any mandatory legal rights granted to consumers under the Consumer Protection Act, 2019, the Information Technology Act, 2000, or any other non-waivable statutory enactment of India.

12. Governing Law, Jurisdiction & Dispute Resolution

These Terms shall be governed by, interpreted, and construed in accordance with the substantive laws of the Republic of India:

• Amicable Resolution: In the event of any controversy, claim, or dispute arising out of these Terms, the parties agree to first attempt resolution through good-faith mutual negotiations by submitting a formal complaint to support@wintoday.app.
• Exclusive Jurisdiction: Subject to mandatory statutory consumer dispute provisions, any legal action, proceeding, or litigation shall be submitted to the exclusive jurisdiction of the competent courts of law located in Bengaluru, Karnataka, India.

13. Modifications to Terms

WinToday reserves the right to revise, amend, or update these Terms periodically to reflect changes in regulatory standards, legal requirements, or operational workflows. Revised Terms will be published directly on the Platform. Continued use of the Platform following published revisions constitutes acceptance of the amended Terms.

14. Grievance Redressal Mechanism

In accordance with the Information Technology Act, 2000, and rules made thereunder, grievances regarding account administration, payment verification, or compliance should be directed to our designated officer:

• Grievance & Compliance Desk: WinToday Technologies
• Escrow Operations Location: Koramangala, Bengaluru, Karnataka, India
• Official Contact Email: support@wintoday.app
• Operating Hours: 09:00 to 18:00 IST (Monday through Friday)
• Response Timeline: Acknowledgments within 48 hours; substantive resolution within 15 working days.