Clear terms for
smarter money habits.

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and YŪPE Edufy LLP ("Company", "we", "us", or "our"), governing your access to and use of the YŪPE mobile application, the website located at yupeme.com, and any associated software, educational modules, or community tools (collectively, the "Platform").

Eligibility Criteria:

• You must be at least 14 years of age to create an individual profile on YŪPE.
• If you are between 14 and 18 years old (a minor under Indian law), you confirm that you have obtained the permission of your parent or legal guardian, who agrees to these Terms on your behalf.
• If you are a parent or guardian linking your account with a minor, you agree to supervise the minor's use of the Platform.

All content provided through the Platform — including FinBoard charts, YuFi AI conversational responses, LiFi quiz modules, burn rate calculations, and challenge prompts — is for educational, informational, and personal habit-building purposes only.

• Nothing on YŪPE constitutes professional investment advice, tax consulting, legal counsel, or a recommendation to buy, hold, or sell any security, mutual fund, or digital asset.
• Any financial calculations, compounding charts, or savings streak projections are hypothetical simulations designed to illustrate mathematical concepts, not guaranteed future outcomes.

To use YŪPE, you must register using a valid Indian mobile number and verify it via a One-Time Password (OTP).

• Accurate Information: You agree to provide true, current, and accurate information during registration and keep your profile updated.
• Confidentiality of OTP: You are solely responsible for maintaining the confidentiality of any OTP or authentication tokens delivered to your device.
• No Account Transfer: Your YŪPE profile is personal to you. You may not sell, transfer, or share your account with any other individual.
• Immediate Notification: If you suspect unauthorized access or device loss, you must notify us immediately at contact@yupeme.com so we can freeze your session.

YŪPE grants you a personal, non-exclusive, non-transferable, revocable license to access the following features in accordance with these Terms:

• FinBoard: Personal expense tracking, manual or automated categorization of pocket money, cashflow trends, and allowance budgeting.
• YuFi AI Guide: An interactive artificial intelligence conversational guide providing tips, answers to finance questions, and budget suggestions.
• LiFi Library: Gamified 3-minute lessons, quizzes, badges, and learning streaks.
• Clan Hub: Social savings groups, collective habit challenges, and community leaderboards.
• Safe Vault: Data protection architecture and parental connection features.

Prohibited Activities:

You agree that you will not:

• Decompile, reverse-engineer, disassemble, or attempt to extract source code from the YŪPE app or web platform.
• Use automated bots, web scrapers, or crawlers to extract content, curriculum, or user lists from the Platform.
• Exploit any bug or loophole in gamified rewards, XP points, or streak systems for artificial score manipulation.

We have specifically engineered YŪPE to uphold the rights and dignity of young users while respecting parental responsibility:

• Dignified Privacy: When an account is linked with a parent, YŪPE shares broad category burn rates (e.g. 40% Food, 30% Education, 30% Savings) rather than embarrassing item-by-item receipts.
• No Commercial Exploitation: Minors will never see advertisements for payday loans, credit cards, or speculative financial products anywhere on the app.
• Parental Unlink Request: Either a parent or a teen may submit a request to delink profiles or purge stored history by contacting contact@yupeme.com.

When participating in Clan Hub challenges, campus leagues, or discussion threads, you agree to abide by our Community Standards:

• Zero Tolerance for Bullying: Harassment, hate speech, body-shaming, discrimination based on gender, religion, caste, or background will result in immediate permanent expulsion.
• No Financial Solicitation: You must not solicit money, pitch multi-level marketing (MLM) schemes, share unverified Telegram/WhatsApp trading links, or promote crypto tokens.
• Respect Privacy of Peers: Do not screenshot or publish private clan member communications outside the Platform without explicit consent.

The Platform, its entire contents, visual interfaces, interactive graphics, lesson curriculum, software algorithms, animations, and the trademarks YŪPE, YuFi, FinBoard, and LiFi are the exclusive intellectual property of YŪPE Edufy LLP and protected under Indian and international copyright and trademark laws.

You may freely share your own achievement cards, completed streak badges, and graduation certificates on personal social media channels, provided that our brand marks remain unaltered.

Core Free Experience: YŪPE is committed to democratic financial education. Core tracking, category breakdowns, and foundational LiFi lessons are free of charge.

Optional Premium Services: We may introduce optional premium tiers (e.g., unlimited YuFi AI deep sessions, personalized financial coaching, campus masterclass certificates). Any pricing will be displayed clearly before you confirm via certified payment gateways (e.g. Google Play In-App Billing or RBI-authorized payment aggregators).

The Platform is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied.

• No Guarantee of Financial Outcomes: Managing allowance or learning about money through YŪPE does not guarantee specific savings amounts, wealth accumulation, or financial success.
• SMS / Third-Party Banking Delays: Because automated transaction categorization relies on telecom carrier SMS delivery or device notification listeners, YŪPE is not liable for delayed, incomplete, or missing SMS alerts caused by third-party banks or carrier network outages.
• Limitation: To the maximum extent permitted by applicable Indian laws, YŪPE Edufy LLP's aggregate liability for all claims arising out of these Terms shall not exceed the total amount paid by you to YŪPE in the preceding six (6) months, or INR 1,000, whichever is lower.

Your Right to Terminate: You may deactivate or permanently delete your account at any time through the in-app settings or by emailing contact@yupeme.com.

Our Right to Suspend: We reserve the right to suspend or terminate access to the Platform immediately, without prior notice, if you breach these Terms, engage in fraud, or display abusive behavior toward other community members or our support staff.

These Terms and any disputes arising out of or related to your use of the Platform shall be governed by and construed in accordance with the laws of the Republic of India, without regard to conflict of law principles.

Subject to prior good-faith mutual discussions, any legal action or proceeding arising under these Terms shall be instituted exclusively in the competent courts located in New Delhi, India, and both parties submit to the personal jurisdiction of such courts.

For any questions, clarifications, notices, or formal communications regarding these Terms & Conditions, please contact us at: