These Terms of Use ("Terms") form a legally binding agreement between you ("user", "you", "your") and Lineage Money Private Limited ("Lineage", "we", "us", "our"), the operator of the Lineage platform at lineage.money. By creating an account or using the platform, you accept these Terms. If you do not accept them, do not use the platform.
1. Definitions
- Platform — the Lineage websites, web app, mobile app, and APIs.
- Account — your registered user identity on the Platform.
- Content — any data you upload, draft, generate, or share via the Platform.
- Marketplace Advisor — a third-party auditor, investment adviser, lawyer, or other professional listed on our marketplace whom you may choose to engage.
- Intermediary — has the meaning given to it in Section 2(1)(w) of the Information Technology Act, 2000. We are an Intermediary with respect to user-uploaded Content.
2. Eligibility
You must be at least 18 years old and competent to enter into a contract under Indian law to use the Platform. By using the Platform you confirm you meet these requirements. Family members under 18 may be added as records by an adult account-holder, but they do not get their own account.
3. Account
- You are responsible for keeping your credentials safe and for everything done under your Account.
- You must give accurate information and update it when it changes.
- We may suspend or terminate Accounts for violation of these Terms, fraud, abuse, or as required by law — with notice where practicable.
4. Your obligations
You will not, and will not allow anyone using your Account to:
- Upload Content that belongs to or includes the personal data of someone else without their authority.
- Upload Content that is unlawful, defamatory, obscene, infringing, deceptive, or violates the rights of any third party.
- Use the Platform to impersonate any person, evade taxes, launder money, or commit any other crime.
- Interfere with the Platform's operation, attempt to circumvent its security, or scrape it at scale.
- Reverse engineer, copy, or attempt to extract our source code other than to the extent permitted by law.
5. Prohibited Content (IT Rules 2021 §3(1)(b))
You will not host, display, upload, modify, publish, transmit, store, update, or share Content that:
- Belongs to another person and to which you do not have any right.
- Is defamatory, obscene, pornographic, paedophilic, invasive of another's privacy (including bodily privacy), insulting or harassing on the basis of gender, libellous, racially or ethnically objectionable, relating to or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force.
- Is harmful to a child.
- Infringes any patent, trademark, copyright, or other proprietary rights.
- Violates any law for the time being in force.
- Deceives or misleads the addressee about the origin of the message, or knowingly and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact.
- Impersonates another person.
- Threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States, public order, causes incitement to the commission of any cognisable offence, prevents investigation of any offence, or is insulting to other nations.
- Contains software viruses or any other computer code, file or program designed to interrupt, destroy, or limit the functionality of any computer resource.
- Is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury.
6. Your Content, our limited rights
You own your Content. You grant us a non-exclusive, royalty-free licence to host, process, encrypt, transmit, and display your Content solely to the extent necessary to provide the Platform to you. We do not use your Content to train models or share it with anyone except as set out in our Privacy Notice.
7. Marketplace advisors
Where you choose to engage a Marketplace Advisor, the contract for advice and its consequences is between you and the Advisor. We act only as an Intermediary introducing you. We do not endorse, supervise, or guarantee the work of any Advisor. See Disclaimer.
8. Fees and refunds
Some features of the Platform are paid. Pricing, billing cycles, and refund rules are at Refund & Cancellation Policy. We may change pricing for future billing cycles with at least 30 days' notice.
9. Removal of Content
As an Intermediary we may remove or disable access to Content on receipt of a lawful order, an actual knowledge of unlawful Content, or a complaint that satisfies the IT Rules, 2021 process. We will inform you of any such action where the law permits.
10. Our intellectual property
The Lineage name, logo, the platform's design, code, and content (other than your Content) are protected by Indian and international IP law. You may use them only as needed to use the Platform under these Terms. All other rights are reserved.
11. No warranties
The Platform is provided "as is" and "as available". We do not warrant that it will be uninterrupted, error-free, or free of harmful components. Tax estimates, planning suggestions, and document drafts are provided for your information only and do not constitute financial, tax, legal, or investment advice. See Disclaimer for the full posture.
12. Limitation of liability
To the maximum extent permitted by law, our aggregate liability to you for any claim arising out of or relating to the Platform shall not exceed the amount you paid us in the 12 months preceding the event giving rise to the claim, or INR 1,000, whichever is higher. We are not liable for indirect, incidental, consequential, special, or punitive damages, lost profits, or loss of goodwill.
13. Indemnity
You agree to indemnify and hold us, our officers, directors, employees, and contractors harmless from any claims, damages, or expenses arising out of your use of the Platform, your Content, or your breach of these Terms.
14. Suspension and termination
You may close your Account at any time at Settings. We may suspend or terminate your Account for material breach, unlawful Content, suspected fraud, or as required by law, with notice where practicable. Survival: Sections 5, 6, 10, 12, 13 survive termination.
15. Changes
We may amend these Terms with at least 14 days' prior notice for material changes (notice via email and in-app). Your continued use after the effective date is acceptance of the amended Terms.
16. Governing law & disputes
These Terms are governed by the laws of India. Subject to any rights you have as a consumer under applicable law, disputes are subject to the exclusive jurisdiction of the courts at Karnataka.
17. Grievance Officer
Our Grievance Officer's name, address, email, and the IT-Rules-2021 process are published at Grievance Redressal.
18. Severability and entire agreement
If any provision of these Terms is held invalid, the rest remain in force. These Terms together with the Privacy Notice and policies linked from them are the entire agreement between you and us regarding the Platform.