Terms and Conditions

NRoobhai provides a digital gold and silver savings experience. By creating an account, accessing our services, or continuing to use our app and website, you agree to the Terms below. Please read them carefully.

1. Eligibility & Account

• You must be at least 18 years old and legally capable to enter into binding contracts.

• You agree to provide accurate, complete information and to keep your details up to date.

• You are responsible for safeguarding your login credentials and for all activity under your account.

2. KYC, Verification & Compliance

• We may require identity verification and KYC checks to comply with applicable laws and regulations.

• NRoobhai may deny or restrict access if required due to regulatory obligations or suspicious activity.

3. Savings, Pricing & Transactions

• Prices for gold and silver are derived from market sources and may be volatile.

• Deposits, redemptions, and withdrawals are subject to processing times, network/market conditions, and fees disclosed at checkout.

• Transaction confirmations, receipts, and statements are provided digitally in-app or via email.

4. Custody & Redemption

• NRoobhai facilitates fractional holdings of gold/silver through partnered custodians and vault providers where applicable.

• Physical redemption (if offered) may include making charges, logistics charges, and verification steps.

5. Fees & Taxes

• Service fees are displayed prior to order completion. All applicable taxes are your responsibility.

• We may revise fees from time to time; changes will be reflected before you confirm a transaction.

6. Risk Disclosure

• Investments in precious metals carry market risk. Values can go up or down.

• Past performance does not guarantee future results. Only invest what you can afford to hold long term.

7. User Conduct

• Do not use the service for unlawful purposes, fraud, money laundering, or prohibited transactions.

• We may suspend or terminate accounts that violate these Terms or applicable law.

8. Data Collection & Use

We collect personal information to provide our services, including identity verification, account security, transaction processing, and customer support. Details about data categories, processing purposes, and retention are described in our Privacy Policy.

9. Communications

• You consent to receive service-related emails, SMS, and in-app notifications.

• You may opt out of marketing communications at any time without affecting service messages.

10. Service Availability

• We aim for high availability but do not guarantee uninterrupted service.

• Scheduled maintenance and unforeseen outages may occur; we will use reasonable efforts to inform you.

11. Intellectual Property

• All trademarks, logos, and content on NRoobhai are owned by us or our licensors.

• You may not copy, modify, or distribute the content except as permitted by law or with written consent.

12. Limitation of Liability

To the maximum extent permitted by law, NRoobhai will not be liable for indirect, incidental, special, or consequential damages; losses due to market movements or damages beyond our reasonable control.

13. Changes to Terms

We may update these Terms from time to time. Material changes will be notified via the app/website or email. Continued use after changes constitutes acceptance.

14. Contact

For questions about these Terms, please contact support via the app or email us at admin@roobhai.com