Terms & Conditions

Terms & Conditions

The terms and conditions stated hereunder shall be applicable to the Customer (“you” or “your” or “he/she”) who download or use the M Power app (the “app”), developed and owned by Muthoot Capital Service Private Limited (“we” or “us” or “our”). The terms and conditions will automatically apply to you immediately after you download the app and/or start using the app. You hereby signify that you have carefully read and understood the terms and conditions. You are not allowed to copy, or modify the app, any part of the app, or our trademarks in any way. You are not allowed to extract or attempt to extract the source code of the app, and you also should not try to translate the app into other languages or make derivative versions. The app itself, and all the trade marks, copyright, database rights and other intellectual property rights related to it, still belong to us.

We are committed to ensure that the app is as useful and efficient as possible. For that reason, we reserve the right to make updation or enhance the functionality of the app or to charge for its services, at any time and for any reason. We will never charge you for the app or its services without making it very clear to you exactly what you are paying for. The app stores and processes your data (“customer data”) provided to us, including your name, mailing address, phone number, email address, and payment/financial information, in order to provide you with a safe, smooth, efficient and customized Service. It is your responsibility to keep your phone which is used for accessing the app, completely safe and secured. We therefore recommend you not to jailbreak or root your phone, which is the process of removing software restrictions and limitations imposed by the official operating system of your device. It could make your phone vulnerable to malware/viruses/malicious programs, compromise your phone’s security features and it could mean that the app won’t work properly or at all.

We will not take responsibility in the event certain functions of the app does not activate due to poor internet connection. You can obtain the internet connectivity through Wi-Fi, or through registered mobile network provider, but we would not take responsibility for the app not working at full functionality if you do not have access to Wi-Fi, and/or you do not have any of your data allowance left. If you use the app outside the range of Wi-Fi, the terms of the agreement with your mobile network provider will be applicable and you may be charged by your mobile network provider for the cost of data consumed while accessing the app, or other third party charges. As and when you use the app, you are unconditionally accepting the responsibility for any such charges, including roaming data charges if you use the app outside of your home territory (i.e. region or country) without turning off data roaming. We assume that you have received necessary permission and internet access rights from the mobile network provider for downloading and using the app and we will not be liable if the mobile network provider does not provide you with the internet connectivity due to the bill payment default or you not choosing the appropriate plans or usage of the app is not possible due to the technical issues from the part of the mobile network provider.

Along the same lines, we cannot take the responsibility for the way you use the app i.e. you need to make sure that your device is charged appropriately. In the event, the device runs out of battery and you cannot turn it on to avail the Service, we would not take the responsibility for denial of your access to the app. With respect to our responsibility towards you, it is important to bear in mind that although we endeavor to ensure that updation and correctness of the app at all times, we do rely on third parties to provide information to us so that we can make it available to you. Hence, we accepts no liability for any loss, direct or indirect, you experience as a result of relying wholly on this functionality of the app. As we improvise going forward, we may update the app as and when it is required. The app is currently available on Android and iOS; the requirements for both systems (and for any additional operating systems we decide to extend the availability of the app to) may change, and you have to download the updates if you want to keep using the app. We do not represent that we will always update the app so as to make it relevant for you and/or works with the iOS/Android version that you have installed on your device. However, you promise to always accept updated versions of the application as and when offered to you. At our sole discretion we may release the customer data if it is necessary to comply with the law or lawful request by the court, public authorities, regulatory or enforcement agencies and also if there is an infringement of the conditions for usage of app or the terms and conditions.

We reserve the right to stop providing the app and may at any time terminate the usage of app without giving notice of termination to you at our sole discretion. Unless we tell you otherwise, upon any termination, (a) the rights and licenses granted to you in these terms will end; (b) you must stop using the app, and (if needed) delete it from your device. Your use of the app and any possible dispute shall be governed, construed, interpreted and given effect to according to the laws of India and the courts in Kochi, Kerala shall have exclusive Jurisdiction to try and entertain any matter arising from the usage of the app and dispute over the terms and conditions.