Effective date: July 8, 2023
Welcome to WLDD Private Limited (“Company”, “we”, “us” or “our”), a mobile technology company specializing in finance and accounting related tech products. Our goal is to move forward mobile money and finance management to the next level using neural networks, deep learning and data analytics technics. We aim to create new ways for people to maximise their profits through the technology and accounting.
These Terms of Use (these “Terms”) apply to all users and others who download, install, register with, access or use (“Use” and “Users”, “you”, as applicable) our mobile application Solo (“Solo” or “application”).
These Terms are a binding contract between you and us. By accepting these Terms through Using Solo, you are accepting and agreeing to these Terms on behalf of yourself or the entity that you represent in connection with the Use of Solo. If you are Using Solo on behalf of another person or entity, you represent that you are authorized to accept these Terms on that person’ or entity’s behalf and that such person or entity agrees to be responsible to us if you or the other person or entity violates these Terms.
By Using Solo, you agree to these Terms. If you do not agree to these Terms, including the mandatory arbitration provision and class action waiver in Section 15 (Dispute Resolution; Binding Arbitration), do not Use Solo. Your continued Use of Solo will confirm your acceptance of these Terms.
If you have any questions about these Terms or Solo, please contact us (for contact information, please, see How to Contact Us Section).
Solo is an application based software that uses machine learning and data analytics algorithms to transform your finanacial data into meaningful objectives leading to better savings. You can then share the offers through social media sites or store them for personal use.
General age limitation. You must be at least 13 years of age to Use Solo. If you are under 18 years of age (or the age of legal majority where you live), you may only Use Solo under the supervision of a parent or legal guardian who agrees to be bound by these Terms. If you are a parent or legal guardian of a User under the age of 18 (or the age of legal majority), you agree to be fully responsible for the acts or omissions of such User in connection with Solo.
You represent and warrant that you have the full power and authority to enter into this agreement and that in doing so you will not violate any other agreement to which you are a party and that you have not been previously suspended or removed from Using Solo. You further agree to Use Solo in compliance with all applicable laws. Solo is not available to any Users previously prohibited from Using it.
LivQuik Technology (India) Private Limited (“Bank”, “Wallet Provider”), having its registered office at B-206, Supreme Business Park, Hiranandani Gardens, Powai, Mumbai-400076. LivQuik is an RBI authorized PPI issuer and prepaid cards associated with PPI wallet offered by Solo is issued by LivQuik and detailed terms and condition for the prepaid card are available at Terms and Conditions - livquik
Types of PPIs
Small PPI
Full-KYC PPI
Expiry of PPI
This card will be valid for 5 years or valid until the expiry date printed on the card. Once the Card is expired following process shall be followed:
Charges and Fees
Surcharges will be applicable to certain type of transactions performed by card holders associated with specific merchant categories.
Currently there is no specific fees which are applied for the program however we shall update the T & C with applicable fees as and when introduced.
LivQuik (Issuer) policies
As Quik Wallet PPI user issued by LivQuik it is your responsibility to visit LivQuik's Website on a regular basis to obtain the latest updates on policies for Quik wallet.
Refer below links to access LivQuik policies
Terms and Conditions - livquik (quikwallet.com)
Grievance Policy - livquik (quikwallet.com)
Privacy Policy - livquik (quikwallet.com)
https://livquik.com/faq/
Certain Solo features or functionalities, that we may establish and maintain from time to time and in our sole discretion, may require you to register an account with us (“Account”). By creating an Account, you agree to: (i) provide accurate, current, and complete information for your Account, (ii) maintain and promptly update, as necessary, your Account information, (iii) maintain the security of your Account login information, (iv) be responsible for the acts or omissions of any third party who has authority to Use Solo on your behalf, and (v) immediately notify us if you discover or otherwise suspect any security breaches related to your Account. You are entirely responsible for maintaining the confidentiality of your Account login information and for all activities that occur in your Account. We are not liable for any loss or damage arising from your failure to comply with the above requirements.
You may register your Account using a valid account on the app store or marketplace from which you downloaded Solo (e.g. Apple App Store, Google Play, etc.) (each such account, a “ Third-Party Account”). By using Third-Party Account to register your Account, you are allowing Solo to access your Third-Party Account as permitted under the applicable terms and conditions that govern your and/our use of such Third-Party Account. PLEASE NOTE THAT YOUR RELATIONSHIP WITH THE THIRD-PARTY SERVICE PROVIDERS ASSOCIATED WITH YOUR THIRD-PARTY ACCOUNTS IS GOVERNED SOLELY BY YOUR AGREEMENT(S) WITH SUCH THIRD-PARTY SERVICE PROVIDERS.
Please refer to our Privacy Policy for information about how we collect, use and disclose information about you when you Use Solo. Transfer and storage of information about you, whilst you Use Solo, is governed by our Privacy Policy. You acknowledge and agree that your Use of Solo is subject to our Privacy Policy.
Solo may allow you to upload, edit, create, store and share data (“User Content”). Except for the Company License you grant us below, you retain all rights in and to your User Content, as between you and us.
You grant us a perpetual, revocable, nonexclusive, royalty-free, worldwide, fully-paid, transferable, sub-licensable license to use, reproduce, modify, adapt, translate, create derivative works from and transfer your User Content, without any additional compensation to you and always subject to your additional explicit consent for such use where required by applicable law and as stated in our Privacy Policy (the “Company License”). The Company License is for the limited purpose of operating, developing, providing and improving Solo and researching, developing and improving our existing and new products, including but not limited to Solo, unless you have provided us your additional explicit consent for the different purpose where required by applicable law.
You grant us consent to use the User Content, regardless of whether it includes an individual’s name, likeness or persona, sufficient to indicate the individual’s identity. You further acknowledge and agree that our use of your User Content will not result in any injury to you or to any person you authorized to act on your behalf.
You represent and warrant that: (i) you own the User Content stylized by you on or through Solo or otherwise have the right to grant the rights and licenses set forth in these Terms; (ii) you agree to pay for all royalties, fees, and any other monies owed by reason of the User Content you stylize on or through Solo; and (iii) you have the legal right and capacity to enter into these Terms in your jurisdiction.
You may not upload, edit, create, store or share any User Content that violates these Terms or to which you do not have all the rights necessary to grant us the Company License described above.
We will not be liable to you for any modification, suspension or discontinuation of Solo, or the loss of any User Content.
You will not violate any applicable contract, intellectual property law, any other applicable law or other third-party rights (including the Company rights) or commit a tort, and you are solely responsible for your conduct while Using Solo. You represent, warrant and agree that you will not Use Solo by uploading the User Content or otherwise (all of the following conduct includes any attempts to perform any of the following):
You may only share the User Content that is non-confidential and you have all necessary rights to disclose. You may not upload, edit, create, store or share any User Content that:
We have the right to monitor your Use of Solo to ensure compliance with these Terms, and to comply with applicable law or other legal requirements. We have the right to investigate violations of these Terms or conduct that affects Solo. We may also consult and cooperate with law enforcement authorities to prosecute Users who violate the applicable law.
We reserve the right, in our discretion and at any time, to suspend or discontinue Solo, introduce new features or impose limitations on certain features, or restrict access to Solo.
Solo and the text, graphics, images, photographs, videos, illustrations, trademarks, trade names, page headers, button icons, scripts, service marks, logos, slogans, filters, tools, user generated tools and other content contained therein (collectively, “Solo Content”) (and intellectual property rights in or to the preceding items) are owned by us or licensed to us and are protected under both India and foreign laws. Except as explicitly stated in these Terms, we and our licensors, as applicable, reserve all rights, title and interests (including without limitation all intellectual rights) in and to Solo and the Solo Content. Your use of the Solo Content shall be always subject to these Terms and, if applicable, additional terms and conditions that we may communicate to you from time to time, such as terms and conditions from our licensors (such additional terms, "Supplemental Terms"). Such Supplemental Terms are hereby incorporated into these Terms by reference. To the extent of any conflict or inconsistency between these Terms and Supplemental Terms the latter shall govern. You are hereby granted a limited, nonexclusive, nontransferable, nonsublicensable, revocable license to Use Solo and the Solo Content for your own personal use (“User License”); however, such User License is subject to these Terms and (if applicable) the Supplemental Terms and does not include any right to: (i) sell, resell or commercially use Solo or the Solo Content; (ii) copy, reproduce, distribute, publicly perform or publicly display the Solo Content, except as expressly permitted by us or our licensors; (iii) modify the Solo Content, remove any proprietary rights notices or markings, or otherwise make any derivative uses of Solo or the Solo Content, except as expressly set forth in these Terms and the Supplemental Terms; (iv) use any data mining, robots or similar data gathering or extraction methods; or (v) Use Solo or the Solo Content other than as expressly provided in these Terms and the Supplemental Terms. Any Use of Solo or the Solo Content other than as specifically authorized herein, without our prior written permission, is strictly prohibited and will terminate the User License granted under these Terms and (if applicable) the Supplemental Terms. You will not remove, alter or conceal any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Solo Content.
Solo may include virtual services or tools that can be licensed for a fee, typically via in-app purchase (“Purchased Content”). You may only use the Purchased Content if you are over 18 years old (or of age of legal majority where you live, if different), and only on a limited, personal, nontransferable, nonsublicensable and revocable basis for non-commercial use only. We reserve the right to manage, regulate, control, modify, or eliminate Purchased Content at any time (and in case of subscriptions, after a specified time under terms of a respective subscription). Upon the Purchased Content being available to you (and in case of subscriptions, after the Purchased Content has been available to you for a specified time under terms of a respective subscription), our obligations to provide the Purchased Content are deemed fulfilled, and we make no representation that the Purchased Content will be available to the purchaser for any length of time (otherwise as may be specified in terms of a respective subscription), nor that Solo will continue to support the Purchased Content (otherwise as may be specified in terms of a respective subscription). NOTWITHSTANDING ANYTHING TO THE CONTRARY HEREIN AND SUBJECT TO MANDATORY LEGISLATION, YOU ACKNOWLEDGE THAT WE ARE NOT REQUIRED TO PROVIDE A REFUND FOR THE PURCHASED CONTENT FOR ANY REASON, AND THAT YOU WILL NOT RECEIVE MONEY OR OTHER COMPENSATION FOR THE UNUSED PURCHASED CONTENT, WHETHER YOUR LOSS WAS VOLUNTARY OR INVOLUNTARY .
We are unable to view, access, or modify any financial transactions from Apple (as defined below) or Google LLC in-app subscriptions for security and privacy reasons. Instead, we would ask that you reach out to the appropriate support team of Apple or Google LLC in relation to your subscription to request any refunds.
If made via a Google in-app subscription or purchase use the chat bot here to make that request or learn more about refunds from Google Play here.
You can request a refund for an Apple in-app subscription or purchase by following the guidance here.
It is our policy to respect the legitimate rights of copyright owners, and we will respond to notice of alleged copyright infringement that comply with applicable law. If you believe that any data uploaded, downloaded or appearing on Solo have been copied in a way that constitutes copyright infringement, you may request removal of that work (or access to it) from Solo by submitting a written notification to our copyright agent designated below. Such written notice ("Notice") must include substantially the following:
Our designated Copyright Agent to receive the such Notices is:
| Copyright Agent | |
| Address: | No.61, “Nalanda”, Opp. Basavanagudi Head Post Office, K R Road, Basavanagudi, Bangalore Karnataka 560004 |
| Telephone Number: | +91 9886830664 |
| E-Mail Address: | memedd@wldd.in |
Please be aware that if you knowingly materially misrepresent that any material or activity within Solo is infringing your copyright or the copyright of a person that you know, you may be held liable for damages (including costs and attorneys’ fees) under the applicable laws.
If we become aware that any of our Users have repeatedly infringed copyrights, we will take reasonable steps to disable access to Solo for such Users.
We welcome any your feedback, questions, comments, suggestions, ideas, original or creative materials or other information you submit about us or Solo (collectively, “Feedback”). You can submit Feedback by contacting us (please, see How to Contact us Section). Your Feedback is non-confidential and will become our sole property. We will own exclusive rights, including, without limitation, all intellectual property rights, in and to your Feedback and will be entitled to the unrestricted use and dissemination of your Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you.
To the fullest extent permitted by applicable law, you will indemnify, defend, and hold harmless us and each of our respective officers, directors, agents, partners and employees (individually and collectively, “Company Parties”) from and against any loss, liability, claim, demand, damages, expenses or costs (“Claims”) arising out of or related to (i) your Use of Solo; (ii) your User Content or Feedback; (iii) your violation of these Terms; (iv) your violation, misappropriation or infringement of any rights of another (including intellectual property rights or privacy rights); and (v) your conduct in connection with Solo. You agree to promptly notify the Company Parties of any third party Claims, cooperate with the Company Parties in defending such Claims and pay all fees, costs and expenses associated with defending such Claims (including, but not limited to, attorneys’ fees). You also agree that the Company Parties will have control of the defense or settlement of any third party Claims. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and us or the other Company Parties.
We do not control, endorse or take responsibility for any User Content (and its loss) or third-party content available on or linked to Solo. You acknowledge sole responsibility for and assume all risk arising from your use of any third-party websites or resources.
Your Use of Solo is at your sole risk. Solo is provided “as is” and “as available” without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. In addition, we do not represent or warrant that Solo is accurate, complete, reliable, current or error-free. While we attempt to make your access to and Use of Solo safe, we cannot and do not represent or warrant that Solo or servers are free of viruses or other harmful components. You assume the entire risk as to the quality and performance of Solo.
The Company and the other Company Parties will not be liable to you under any theory of liability — whether based in contract, tort, negligence, strict liability, warranty, or otherwise — for any indirect, consequential, exemplary, incidental, punitive or special damages or lost profits, even if you have been advised of the possibility of such damages.
The total liability of the Company and the other Company Parties, for any claim arising out of or relating to these Terms or Solo, regardless of the form of the action, is limited to the amount paid, if any, by you to Use Solo. In no event will the Company’s total liability arising out of or in connection with these Terms or from the Use of or inability to Use Solo exceed the amounts you have paid to Use Solo or ten ($10) U.S. dollars, if you have not had any payment obligations to the Company, as applicable. The exclusion and limitations of damages set forth above are fundamental elements of the basis of the bargain between the Company and you.
The limitations set forth in this Section will not limit or exclude liability for fraud or intentional misconduct of the Company or the other Company Parties or for any other matters in which liability cannot be excluded or limited under applicable law. Additionally, some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations or exclusions may not apply to you.
To the fullest extent permitted by applicable law, you release the Company and the other Company Parties from responsibility, liability, claims, demands, and/or damages (actual and consequential) of every kind and nature, known and unknown (including, but not limited to, claims of negligence), arising out of or related to disputes between the Users and the acts or omissions of third parties.
These Terms and your Use of Solo will be governed by, construed and enforced in accordance with the laws of California, without regard to conflict of law rules or principles (whether of California or any other jurisdiction) that would cause the application of the laws of any other jurisdiction. Any dispute between you and the Company that is not subject to arbitration or cannot be heard in small claims court will be resolved in the state and central courts of Karnataka and the India, respectively
We may make changes to these Terms from time to time. If we make changes, we will post the amended Terms and update the “Effective date” above. You are expected to check our terms regularly so you are aware of any changes, as they are binding on you. We may also attempt to notify you by providing notice through Solo. Unless we say otherwise in our notice, the amended terms will be effective immediately and your continued Use of Solo after we provide notice will confirm your acceptance of those changes. If you do not agree to the amended terms, you must stop Using Solo.
By Using Solo, you also agree to electronic receive communications from us, including via email, push notifications, and by posting notices on Solo. The communications between you and us may take place via electronic means, whether you Use Solo or send us emails, or whether we post notices on Solo or communicate with you via email. These communications may include notices about Solo and the Purchased Content and are part of your relationship with us. For contractual purposes, you: (i) consent to receive communications from us in an electronic form; and (ii) agree that all terms and conditions, agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications would satisfy if it were to be in writing. The foregoing does not affect your statutory rights. Communications from us and our affiliated companies may include but are not limited to: operational communications concerning your Account or the Use of Solo (e.g., technical and security notices, updates to the Privacy Policy and Terms), and updates concerning new and existing features (e.g., changes/updates to features of Solo and their scope, prices of in-app subscriptions) and marketing and promotional information about the Company’s products and services.
You may opt-out of receiving promotional emails from us at any time through any of the following methods:
You may opt out of push notifications by changing the settings on your mobile device.
We reserve the right, without notice and in our sole discretion, to terminate your right to Use Solo. We are not responsible for any loss or harm related to your inability to Use Solo. Upon any termination, discontinuation or cancellation of Solo, all provisions of these Terms, which by their nature should survive, will survive, including without limitation, ownership provisions, warranty disclaimers, limitations of liability and dispute resolution provisions.
The following terms apply if you Use Solo on any device that contains the iOS mobile operating system (“App”) developed by Apple Inc. (“Apple”).
WLDD Private Limited
No.61, “Nalanda”, Opp. Basavanagudi Head Post Office
K R Road, Basavanagudi, Bangalore Karnataka 560004
Phone: 9886830664
If you have any questions, complaints or claims with respect to these Terms or Solo, please contact us via email at memedd@wldd.in or our mailing address:
WLDD Private Limited
No.61, “Nalanda”, Opp. Basavanagudi Head Post Office
K R Road, Basavanagudi, Bangalore Karnataka 560004
Phone: 9886830664
These Terms constitute the entire agreement between you and us relating to Solo and your Use of Solo, and these Terms supersede and replace any and all prior oral or written understandings or agreements between the Company and you relating to Solo and your Use of Solo. The language of these Terms is the English language only. You hereby irrevocably waive any law applicable to you requiring that these Terms shall be localized to meet your language (as well as any other localization requirements), or requiring a delivery or retention of non-electronic records. The failure of us to exercise or enforce any right or provision of these Terms will not operate as a waiver of such right or provision. The waiver of such right or provision will be effective only if in writing and signed by a duly authorized representative of the Company. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise. If any provision of these Terms is held invalid and unenforceable (either by an arbitrator appointed pursuant to the terms of the Dispute Resolution; Binding Arbitration Section above or by court of competent jurisdiction), that provision will be enforceable to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect. The Section titles in these Terms are for convenience only and have no legal or contractual effect. Except as otherwise provided herein, these Terms are intended solely for the benefit of you and the Company and are not intended to confer third party beneficiary rights upon any other person or entity. You may not assign or transfer your rights under these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer your rights under these Terms, without such consent, will be null and of no effect. We may freely assign or transfer our rights and obligations under these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.