Terms of Service

1. Acceptance of terms

By downloading, accessing, or using Your Money Anytime (“the App”), you agree to these Terms of Service. If you do not agree, please do not use the App.

2. Eligibility

To use the App you must:

• Be at least 18 years old and resident in India.
• Be a current employee of an employer that has partnered with us.
• Provide accurate and complete identity, employment, and bank details.
• Maintain only one account per person.

3. What we provide

Your Money Anytime offers interest-free Earned Wage Access: the ability to withdraw a portion of the salary you have already earned before your scheduled payday. The amount available is based on your verified earnings and your employer’s configuration. We are not a lender and advances are not loans.

4. Repayment

Advances are typically recovered automatically from your upcoming salary payment or through other authorised repayment methods. You authorise us and your employer to deduct the advance amount, plus any applicable processing or platform fees disclosed at the time of the advance, from your salary or linked account.

5. Fees

We do not charge interest on advances. Any platform or processing fees will be shown clearly before you confirm a withdrawal. Fees may vary by employer and are subject to change with notice.

6. Acceptable use

You agree not to:

• Provide false or misleading information.
• Use another person’s identity or account.
• Attempt to manipulate earnings, balances, or repayment schedules.
• Use the App for any illegal or fraudulent purpose.

We may suspend or terminate your account for violations.

7. Account suspension and termination

We may suspend or close your account if you breach these terms, if your employer ends its partnership with us, if you leave employment, or if required by law. Upon termination, any outstanding advance balance remains due.

8. Limitation of liability

To the fullest extent permitted by law, Your Money Anytime and its affiliates are not liable for indirect, incidental, or consequential damages arising from your use of the App. Our total liability for any claim is limited to the amount you paid us in fees during the 12 months preceding the claim.

9. Governing law

These Terms are governed by the laws of India. Any dispute shall be subject to the exclusive jurisdiction of the courts in Hyderabad, Telangana, India.

10. Changes to these terms

We may update these Terms from time to time. We will notify you of material changes through the App or by email. Continued use after changes means you accept the updated Terms.

11. Contact us

For questions about these Terms, please contact us at support@yourmoneyanytime.com.