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Terms of Use

Last Updated: 28/08/2026

These Terms of Use and this Privacy Policy govern access to and use of the Gudbuks website (gudbuks.ai), the Gudbuks mobile and web applications, and all related features (together, the “Platform”), and the services made available on the Platform (the “Services”), each as offered by Sarvasthi Technologies Private Limited (CIN: U74909KA2025PTC198879), a company incorporated under the Companies Act, 2013, having its registered office at No 99/3, Ambe Towers, Sahakar Nagar G Block, Bangalore-560092, Karnataka, India, and registered with the Securities and Exchange Board of India (“SEBI”) as an Investment Adviser under Registration No. INA000023092, operating the Platform under the brand name “Gudbuks” (“Gudbuks”, “Company”, “We”, “Us”, “Our”), together with its group companies, affiliates and subsidiaries (“Gudbuks Group”).

Please read these Terms of Use (“Terms”) and the Privacy Policy carefully before you register for, access, or use the Platform or the Services. By downloading, installing, registering on, or otherwise accessing or using the Platform, you (“You”, “Your”, “User”) confirm that you have read, understood, and agree to be bound by these Terms and the Privacy Policy. If you do not agree with any part of these Terms or the Privacy Policy, you must not access or use the Platform or the Services.

Gudbuks helps individuals discover, organize, and track everything they own — financial assets (such as bank accounts, EPF, PPF, NPS, mutual funds, stocks, demat holdings, fixed deposits, and loans/liabilities), non-financial assets (such as insurance policies, chit funds, gold, real estate, and business assets), and digital assets (such as digital wallets, reward points, subscriptions, credentials, and documents) — in a single dashboard, using a combination of consent-based automated data-fetching, manual entry, an in-app expense tracker, an AI-based wealth assistant, and a family-notification (“Family Protection”) feature. Capitalised terms used but not defined in a particular section have the meaning given to them elsewhere in these Terms.

1. Definitions

  • “Account” means the account You create on the Platform to access the Services.
  • “Account Aggregator” or “AA” means an entity registered with, and regulated by, the Reserve Bank of India (“RBI”) as a Non-Banking Financial Company – Account Aggregator under the Master Direction – Non-Banking Financial Company – Account Aggregator (Reserve Bank) Directions, 2016, as amended (“AA Master Directions”), through which Gudbuks may, with Your consent, retrieve Your Financial Information from Financial Information Providers.
  • “AI Wealth Assistant” means the artificial-intelligence-enabled feature(s) of the Platform that analyse the data available in Your Account to generate insights, reminders, gap-detection alerts, maturity/renewal predictions, and net worth reports, as described in Clause 8.
  • “Family Protection Feature” means the inactivity-monitoring and trusted-contact-notification feature described in Clause 9.
  • “Financial Information” means information relating to Your bank deposits, deposits with non-banking financial companies, mutual fund units, insurance policies, pension fund units, stocks, bonds, and other securities, and such other information as may be specified by the RBI or other Financial Sector Regulators from time to time.
  • “Financial Information Provider” or “FIP” means an entity such as a bank, mutual fund, insurer, depository, or pension fund from which Your Financial Information is retrieved.
  • “Financial Information User” or “FIU” means an entity to which Gudbuks may, with Your consent, present Your Financial Information for a purpose specified by You.
  • “Manual Data” means any information You input directly into the Platform in respect of assets or liabilities that are not fetched automatically, including property, gold, chit funds, informal loans, business assets, documents, and other holdings.
  • “Subscription” means the paid plan through which You access the Services, as described in Clause 5.
  • “Trusted Contact” means the individual(s) nominated by You under the Family Protection Feature.

2. Eligibility

By accessing or using the Platform, You represent and warrant that:

  • You are at least 18 years of age and competent to enter into a legally binding contract under the Indian Contract Act, 1872;
  • You are a resident Indian and will use the Services in relation to assets, accounts, and information located in India, unless otherwise permitted by Gudbuks in writing;
  • You are not barred, suspended, or otherwise legally prohibited from accessing or using the Platform under applicable law;
  • All information You provide during registration and use of the Platform is true, accurate, current, and complete, and You will promptly update such information if it changes; and
  • If You allow any other person to access or use Your Account, You remain solely responsible for all actions taken through Your Account, and for ensuring that such person complies with these Terms.

3. Nature of the Services

Gudbuks is a net worth tracking and personal financial organisation platform. Sarvasthi Technologies Private Limited is registered with SEBI as an Investment Adviser (Registration No. INA000023092); however, the Gudbuks Platform, in its current form, does not provide personalised investment advice, and Your use of the Platform does not, by itself, constitute availing of investment advisory services from Sarvasthi Technologies Private Limited. Gudbuks is not a bank, lender, portfolio manager, insurance broker, or stockbroker, and does not itself hold, manage, or have transactional access to Your money, securities, or other assets. If Sarvasthi Technologies Private Limited offers You personalised investment advisory services separately, such services will be governed by a distinct client agreement and the disclosures required under the SEBI (Investment Advisers) Regulations, 2013, and not by these Terms. The Services include:

  • Auto-Fetch: with Your explicit consent, retrieving and periodically refreshing Financial Information from Financial Information Providers through secure, read-only, regulated Account Aggregator infrastructure. Gudbuks does not have the ability to initiate, authorise, or execute any transaction, payment, transfer, redemption, or withdrawal on any linked account;
  • Manual Entry: enabling You to record Manual Data relating to non-financial and digital assets and liabilities that cannot be auto-fetched;
  • Expense Tracker: enabling You to categorise spending, track subscriptions and recurring bills, set budgets, and receive related alerts and projections;
  • AI Wealth Assistant: generating automated insights, reminders, dormancy/gap alerts, and net worth reports based on the data available in Your Account, as further described in Clause 8; and
  • Family Protection: the inactivity-monitoring and Trusted Contact notification feature described in Clause 9.

Gudbuks may, at its sole discretion, introduce, modify, suspend, or discontinue any feature of the Services at any time, with or without notice, subject to applicable law.

4. Registration and Your Account

  • You must register on the Platform using Your mobile number and/or email address and complete such verification (including One-Time Password verification and, where applicable, Know Your Customer (“KYC”) processes) as Gudbuks may require.
  • You are solely responsible for maintaining the confidentiality of Your login credentials, passcodes, and any multi-factor authentication details, and for all activities that occur through Your Account.
  • You must notify Gudbuks immediately at info@gudbuks.ai of any unauthorised use of Your Account, or if Your device is lost or stolen, so that Your Account can be secured or blocked.
  • You may hold only one Account, unless otherwise permitted by Gudbuks in writing.

5. Subscription and Fees

  • Access to the Services is offered on a paid subscription basis, with pricing as displayed on the Platform from time to time (currently ₹399 per year, subject to change). Gudbuks may also offer promotional, trial, or early-access pricing at its discretion, which may be modified or withdrawn at any time.
  • All applicable fees, taxes, and billing cycles will be displayed to You prior to purchase. By completing a purchase, You consent to the fees displayed at that time.
  • Subscriptions may auto-renew unless cancelled by You prior to the renewal date, in the manner made available on the Platform. Refund and cancellation terms, if any, will be as displayed on the Platform at the time of purchase.
  • Gudbuks does not store Your card or payment-instrument details; payments are processed through Reserve Bank of India (RBI)-authorised, PCI-DSS-compliant third-party payment gateways.

6. Your Use of the Platform

In using the Platform, You agree that You shall not, and shall not permit any third party to:

  • provide false, inaccurate, or misleading information, including in respect of assets, liabilities, or Trusted Contacts;
  • use the Platform for any unlawful purpose, including money laundering, tax evasion, or circumvention of any applicable law;
  • attempt to gain unauthorised access to any account, system, or network connected to the Platform, including through hacking, credential-stuffing, or password-mining;
  • reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Platform, or remove, obscure, or alter any proprietary notice;
  • use any automated means (bots, scrapers, crawlers) to access or extract data from the Platform;
  • upload or transmit any virus, malware, or other harmful code; or
  • use the Platform in a manner that could damage, disable, overburden, or impair Gudbuks’ systems or interfere with any other user’s access.

Violation of this Clause may result in suspension or termination of Your Account under Clause 16, in addition to any other remedies available to Gudbuks under applicable law.

7. Consent-Based Data Fetching (Account Aggregator Framework)

  • Auto-Fetch of Financial Information occurs only pursuant to Your explicit, informed consent, captured through a consent artefact that specifies, among other things, the Financial Information Providers involved, the nature and purpose of the information sought, the period for which the information will be used, and the validity of the consent, in accordance with the AA Master Directions.
  • Gudbuks acts, for the purpose of enabling Auto-Fetch, through Account Aggregator infrastructure and/or licensed Account Aggregator partners; Gudbuks does not itself operate as a bank, lender, or custodian of Your funds or securities, and the access obtained is strictly read-only, with no ability to move money or place instructions on Your behalf.
  • You may view, manage, and revoke any consent granted for data-fetching at any time through the Platform. Revocation of consent will stop future data-fetches under that consent but will not, by itself, delete data already fetched and stored, which will continue to be governed by the Privacy Policy and applicable retention requirements.
  • Gudbuks relies on the data made available by Financial Information Providers and third-party sources and does not independently verify or guarantee the accuracy, completeness, or timeliness of such data. Some information (for example, in respect of certain demat folios or recently updated accounts) may not reflect in real time. This is a limitation of the underlying source systems and not a deficiency in the Services.
  • Gudbuks does not guarantee that any particular account, institution, or asset type will be available for Auto-Fetch at all times, and reserves the right to add, modify, or discontinue support for any Financial Information Provider or data category.

8. AI Wealth Assistant — Nature and Limitations

  • The AI Wealth Assistant, including any net worth reports, gap-detection alerts, dormancy flags, maturity/renewal predictions, and nominee mapping, is generated using automated analysis of the data available in Your Account (whether auto-fetched or manually entered) and is provided solely for Your general information and convenience.
  • The AI Wealth Assistant does not constitute, and shall not be construed as, investment advice, financial advice, tax advice, legal advice, or a recommendation to buy, hold, sell, or otherwise deal in any asset. While Sarvasthi Technologies Private Limited is registered with SEBI as an Investment Adviser (Registration No. INA000023092), the AI Wealth Assistant is an automated, non-personalised informational tool and is not provided to You as part of any SEBI-regulated investment advisory service, and nothing generated by it should be relied upon as personalised investment advice.
  • Outputs of the AI Wealth Assistant are indicative only, may be incomplete or inaccurate (including because of gaps, delays, or errors in underlying source data or Manual Data supplied by You), and should be independently verified by You before You rely on them for any financial, legal, or personal decision. You are encouraged to seek independent professional advice where appropriate.
  • Gudbuks does not guarantee that the AI Wealth Assistant will detect every asset, liability, dormant account, or upcoming maturity/renewal event.

9. Family Protection Feature

The Family Protection Feature is an optional feature designed to help ensure that Your nominated Trusted Contact(s) can be informed about, or gain visibility into, information about Your assets and liabilities in the event of prolonged inactivity on Your Account.

  • You may nominate one or more Trusted Contacts, and specify the conditions, timing, and extent of information to be shared with them, through the settings made available on the Platform. You are solely responsible for ensuring that You have the consent of any individual You nominate, where required, and that the contact details You provide for them are accurate.
  • If Gudbuks detects prolonged inactivity on Your Account (as defined by the thresholds displayed on the Platform, currently beginning at approximately one month of inactivity), Gudbuks may, in sequence: (i) send You reminder notifications (including via WhatsApp, SMS, or email); (ii) attempt to contact You directly, including by phone; and (iii) if there is no response from You within the applicable period, notify Your designated Trusted Contact(s) and provide them with the access You have pre-authorised.
  • You may modify or withdraw Your Trusted Contact nominations, and the associated permissions, at any time before the Family Protection Feature is triggered. Gudbuks is not responsible for verifying the identity, intentions, or continued authority of any Trusted Contact beyond the verification steps displayed on the Platform, and is not liable for the actions any Trusted Contact takes with information shared with them in accordance with Your instructions.
  • Gudbuks does not guarantee successful contact or notification in every case (for example, due to incorrect contact details, changes in Your or Your Trusted Contact’s phone number/email, network or delivery failures, or circumstances beyond Gudbuks’ reasonable control), and shall not be liable for any consequence arising from a failure to notify, or a delay in notifying, You or Your Trusted Contact(s).

10. Manual Data and User-Submitted Information

  • You are solely responsible for the accuracy, completeness, and legality of all Manual Data and other information You submit to the Platform, including in respect of assets that do not belong to You or documents/credentials belonging to third parties.
  • Gudbuks does not verify Manual Data and disclaims all liability for any loss, dispute, or claim (including from third parties) arising from Manual Data that is inaccurate, incomplete, unauthorised, or that You are not entitled to record.
  • If You store passwords, credentials, or documents on the Platform, You acknowledge that You are solely responsible for ensuring that such storage does not violate the terms of service of the relevant third-party provider, and Gudbuks recommends that You do not store credentials for services that expressly prohibit such storage.

11. Third-Party Services and Links

The Platform may enable, integrate with, or link to services provided by third parties, including Account Aggregators, Financial Information Providers, payment gateways, KYC/verification providers, and analytics providers. Gudbuks does not control, and is not responsible for, the content, accuracy, security practices, or availability of such third-party services, each of which is governed by its own terms and privacy policy. You are advised to review those terms independently before using any linked or integrated third-party service.

12. Intellectual Property

  • The Platform, and all content, software, source code, design, trademarks, logos, and other materials made available through it (excluding Your own data), are owned by, or licensed to, Gudbuks and are protected under applicable intellectual property laws.
  • “Gudbuks” and the associated logo are trademarks of Sarvasthi Technologies Private Limited, for which an application for registration has been filed with the Trade Marks Registry, Government of India, and which are used and protected under the Trade Marks Act, 1999, whether or not the ® symbol is used alongside the mark on the Platform.
  • Subject to Your compliance with these Terms, Gudbuks grants You a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for Your personal, non-commercial use.
  • You shall not copy, reproduce, modify, distribute, publicly display, create derivative works from, sell, or exploit any part of the Platform or its content without Gudbuks’ prior written consent.
  • Any feedback, suggestions, or ideas You provide to Gudbuks regarding the Platform may be used by Gudbuks without restriction or compensation to You.

13. Disclaimers

The Platform and the Services are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, to the maximum extent permitted by applicable law.

  • Gudbuks does not warrant that the Platform will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Platform or the servers that make it available are free of viruses or other harmful components.
  • Gudbuks does not warrant the accuracy, completeness, or currency of any Financial Information fetched from third-party sources, or of any Manual Data, insight, alert, prediction, or report generated by the AI Wealth Assistant.
  • Nothing on the Platform constitutes investment, financial, tax, legal, or insurance advice, and Gudbuks does not guarantee any financial outcome, including in respect of any asset tracked, any alert generated, or any notification sent (or not sent) under the Family Protection Feature.

14. Limitation of Liability

To the maximum extent permitted by applicable law:

  • Gudbuks, its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data, profits, goodwill, or opportunity, arising out of or in connection with Your use of, or inability to use, the Platform or the Services, regardless of the theory of liability;
  • Gudbuks’ aggregate liability to You for all claims arising out of or relating to the Platform, the Services, or these Terms, whether in contract, tort, or otherwise, shall not exceed the higher of (i) the Subscription fees paid by You to Gudbuks in the twelve (12) months preceding the event giving rise to the claim, or (ii) ₹10,000 (Indian Rupees ten thousand only); and
  • Gudbuks shall not be liable for any loss or damage arising from inaccurate, delayed, incomplete, or unavailable data from any Financial Information Provider, Account Aggregator, or other third-party source, or from Your own Manual Data entry errors.

15. Indemnity

You agree to indemnify, defend, and hold harmless Gudbuks, the Gudbuks Group, and their respective officers, directors, employees, and agents from and against any claims, demands, losses, liabilities, damages, and expenses (including reasonable legal fees) arising out of or in connection with: (a) Your access to or use of the Platform; (b) Your breach of these Terms; (c) any Manual Data or other information You submit; (d) Your violation of any applicable law or third-party right; or (e) any instructions or nominations You make in relation to the Family Protection Feature.

16. Suspension and Termination

  • You may deactivate or delete Your Account at any time through the settings made available on the Platform. Upon deletion, Gudbuks will process Your request in accordance with the Privacy Policy, subject to any information Gudbuks is required to retain by law.
  • Gudbuks may suspend or terminate Your access to the Platform, without prior notice, if Gudbuks reasonably believes that You have violated these Terms, engaged in fraudulent, unlawful, or suspicious activity, or if required to do so by a regulator, court, or applicable law.
  • Termination of Your Account will not affect any rights or obligations that accrued prior to termination, and Gudbuks may retain certain data as required for legal, regulatory, or legitimate business purposes as described in the Privacy Policy.

17. Grievance Redressal

If You have any concerns, complaints, or grievances regarding these Terms, the Platform, or the Services, You may contact Gudbuks’ customer support at info@gudbuks.ai. If Your grievance is not resolved to Your satisfaction, You may escalate it to the Grievance Officer:

Grievance Officer: [Insert Name]
Email: info@gudbuks.ai
Address: No 99/3, Ambe Towers, Sahakar Nagar G Block, Bangalore-560092, Karnataka, India

The Grievance Officer will acknowledge Your complaint within [48] hours and endeavour to resolve it within [30] days, or such other timeline as may be prescribed under applicable law.

As Sarvasthi Technologies Private Limited is registered with SEBI as an Investment Adviser (Registration No. INA000023092), if any grievance relating to investment advisory services availed by You remains unresolved, You may also lodge a complaint with SEBI through the SEBI Complaints Redress System (SCORES) at https://scores.sebi.gov.in, or through the Online Dispute Resolution portal at https://smartodr.in, in accordance with applicable SEBI circulars.

18. Dispute Resolution and Arbitration

In the event any dispute is not resolved through the grievance redressal process within [30/60] days, such dispute shall be referred to and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, before a sole arbitrator appointed by Gudbuks. The seat and venue of arbitration shall be Bangalore, India, and the language of arbitration shall be English. The arbitral proceedings, and any award, shall be kept confidential except as required to enforce the award or as required by law.

19. Governing Law and Jurisdiction

These Terms shall be governed by, and construed in accordance with, the laws of India. Subject to Clause 18, the courts at Bangalore, India shall have exclusive jurisdiction over any matter arising out of or in connection with these Terms.

20. Amendments

Gudbuks may amend these Terms at any time by posting the updated version on the Platform, with the “Last Updated” date revised accordingly. Material changes will, where required by applicable law, be notified to You. Your continued use of the Platform after any such update constitutes Your acceptance of the amended Terms. If You do not agree with the amended Terms, You must stop using the Platform and may delete Your Account.

21. Miscellaneous

  • Assignment: You may not assign or transfer Your rights or obligations under these Terms without Gudbuks’ prior written consent. Gudbuks may assign or transfer these Terms, in whole or in part, to any Gudbuks Group entity, or to a successor in connection with a merger, acquisition, or sale of assets.
  • Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be replaced with a valid provision that most closely reflects its intent.
  • No Waiver: No failure or delay by Gudbuks in exercising any right under these Terms shall operate as a waiver of that right.
  • Force Majeure: Gudbuks shall not be liable for any failure or delay in performance caused by events beyond its reasonable control, including natural disasters, war, civil unrest, government action, internet or telecommunications failure, or failure of any third-party system (including any Account Aggregator or Financial Information Provider).
  • Entire Agreement: These Terms, together with the Privacy Policy and any other terms referenced herein, constitute the entire agreement between You and Gudbuks in relation to the Platform and supersede all prior agreements or understandings on the subject.
  • Notices: Gudbuks may provide notices to You via the Platform, email, SMS, or WhatsApp, using the contact details associated with Your Account.

22. Contact Us

For any questions about these Terms, please contact us at info@gudbuks.ai or write to us at No 99/3, Ambe Towers, Sahakar Nagar G Block, Bangalore-560092, Karnataka, India.