Terms and Conditions

1. ABOUT US / BUSINESS IDENTITY

SaversJoy (“SaversJoy”, “we”, “us”, “our”) is a financial‑literacy mobile application designed to help users track financial goals and improve financial knowledge. SaversJoy is a trading name of SaversJoy Inc., incorporated under the laws of the State of Wisconsin, USA.

The information provided in the SaversJoy mobile application or website (the “Platform”) is for educational and informational purposes only and does not constitute financial, investment, tax, or legal advice.

These Terms govern your use of the Platform. Please read them carefully.

2. ACCEPTANCE OF TERMS

By accessing or using the SaversJoy Platform, you agree to be bound by these Terms and Conditions (“Terms”), our Privacy Policy, and any other policies referenced herein. If you do not agree to these Terms, you must not use the Platform.

If you are a user located in the United States, you may have additional rights under applicable federal and state consumer protection laws — including, where applicable, the California Consumer Privacy Act / California Privacy Rights Act (CCPA/CPRA), the Federal Trade Commission Act, and applicable state consumer protection statutes — that these Terms do not limit. If you are a user located in India, you may have additional rights under the Consumer Protection Act, 2019 and the Digital Personal Data Protection Act, 2023 (DPDP Act) that these Terms do not limit. These Terms are intended to operate alongside, and not in derogation of, your mandatory statutory rights under applicable US and Indian law.

These Terms were last updated on 5 July 2026. We recommend that you print or save a copy of these Terms for your records.

3. USER ACCOUNTS

To use the Platform, you must be older than 13 years of age. You agree to provide accurate, complete, and current information at all times, and to update such information as necessary.

You are responsible for all activity on your account that occurs through your credentials, whether or not authorized by you. You must take reasonable steps to keep your login credentials secure and must not share them with any third party. You must notify SaversJoy immediately at security@saversjoy.com if you know or reasonably suspect that your account has been subject to unauthorized access, compromise, or any security breach. SaversJoy will not be liable for any losses, costs, or damages caused by or arising from unauthorized use of your account where you have failed to notify us promptly upon becoming aware of such unauthorized use.

SaversJoy reserves the right to suspend or disable your account where we have reasonable grounds to believe that your account security has been compromised, pending investigation and in accordance with Section 14 of these Terms.

4. ACCEPTABLE USE POLICY

You agree that in connection with your use of the Platform, you will not:

use the Platform for any unlawful purpose or in violation of any applicable local, national, or international law or regulation, including but not limited to laws governing fraud, consumer protection, intellectual property, data protection, and anti-money laundering;
scrape, crawl, spider, index, or systematically extract data, content, or information from the Platform by automated or manual means without the prior written consent of SaversJoy;
submit, share, or transmit any false, misleading, inaccurate, or fraudulent coupon codes, cashback claims, referral links, or promotional information;
interfere with, disrupt, damage, or place a disproportionate or unreasonable load on the Platform’s infrastructure, servers, networks, or systems, or attempt to gain unauthorized access to any part of the Platform;
use automated bots, scripts, macros, tools, or other non-human means to create accounts, claim rewards, generate referrals, manipulate cashback balances, or otherwise interact with the Platform in a manner not intended for human users;
engage in any conduct that is abusive, harassing, threatening, defamatory, obscene, discriminatory, or otherwise harmful to other users, third parties, or SaversJoy personnel;
reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, or trade secrets of the Platform or any component thereof; or
impersonate any person or entity, or misrepresent your affiliation with any person or entity, in connection with your use of the Platform.

SaversJoy reserves the right to investigate suspected violations of this Acceptable Use Policy and to take such action as we deem appropriate, including account suspension, claim forfeiture, or referral to law enforcement authorities, without prejudice to any other rights or remedies available to us.

5. INTELLECTUAL PROPERTY & CONTENT LICENCE

All content on this site belongs to SaversJoy. By submitting reviews or content, you grant SaversJoy a license to use such content.

5.1 SaversJoy Intellectual Property

All original content, design, graphics, trademarks, service marks, trade names, logos, software, databases, and compilations on or forming part of the Platform are the intellectual property of SaversJoy or its licensors and are protected by applicable copyright, trade mark, database, and other intellectual property laws. Nothing in these Terms grants you any right, title, or interest in SaversJoy’s intellectual property except the limited right to access and use the Platform in accordance with these Terms.

5.2 User-Generated Content License

By submitting user-generated content to the Platform (including but not limited to reviews, ratings, comments, images, and suggestions) (“User Content”), you represent and warrant that: (a) you own or have the right to grant the license set out in this clause; (b) the User Content does not infringe any third party’s intellectual property rights, privacy rights, or any applicable law; and (c) the User Content is not defamatory, obscene, or otherwise unlawful.

You grant SaversJoy a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, adapt, publish, translate, and display your User Content for the purposes of operating, maintaining, improving, and promoting the Platform. perpetual, irrevocable

This license commences upon your submission of User Content and terminates within 30 days of: (a) the closure of your account (whether by you or by SaversJoy); or (b) your written request to SaversJoy at legal@saversjoy.com to remove specific User Content — whichever is earlier. The foregoing notwithstanding, the license shall continue in respect of User Content that has already been published in aggregated, anonymized, or compiled form where removal is not technically practicable, to the minimum extent necessary to preserve the integrity of such publication.

You retain all ownership rights in User Content you submit. SaversJoy does not claim ownership of your User Content.

6. Financial Literacy Disclaimer: No Financial Advice; Educational and Information Purposes Only

The content, tools, and materials provided within this mobile application (the “App”) are for informational and financial literacy purposes only. The App does not provide personalized investment, legal, tax, or financial advice. None of the information contained herein should be construed as a recommendation, endorsement, or solicitation to buy, sell, or hold any security, financial product, or instrument.

You acknowledge and agree that any investment decisions, financial strategies, or actions you take based on information found within the App are done solely at your own risk. We strongly recommend that you consult with a certified financial planner, licensed accountant, or other qualified financial professional before making any major financial decisions.

7. LIMITATION OF LIABILITY

SaversJoy shall not be liable for any damages, losses, or costs of any kind arising from use of this platform.

7.1 Aggregate Liability Cap

To the maximum extent permitted by applicable law, SaversJoy’s total aggregate liability to you for all claims arising under or in connection with these Terms or your use of the Platform — whether in contract, tort (including negligence), breach of statutory duty, misrepresentation, or otherwise — shall not exceed the greater of:

the total amount paid by you to SaversJoy (by way of subscription fees or otherwise) in the 12 calendar months immediately preceding the event giving rise to the claim; or
$100 for US users, ₹ equivalent for Indian users.

7.2 Non-Excludable Liability

Nothing in these Terms shall limit or exclude SaversJoy’s liability for:

death or personal injury caused by SaversJoy’s negligence or the negligence of its employees, agents, or subcontractors;
fraud or fraudulent misrepresentation by SaversJoy;
any liability that cannot be lawfully limited or excluded under applicable law, including under the UK Unfair Contract Terms Act 1977, the UK Consumer Rights Act 2015, or analogous EU and US consumer protection statutes; or
any breach of your mandatory statutory consumer rights.

7.3 Consequential Loss Exclusion

Subject to clauses 7.1 and 7.2, SaversJoy shall not be liable for any:

loss of profits, revenue, or anticipated savings;
loss of business, goodwill, or reputation;
indirect or consequential loss; or
loss of data — provided that SaversJoy takes reasonable steps to maintain data security in accordance with Section 9 of these Terms.

These exclusions apply only to the extent permitted by applicable law and do not affect the rights of consumers under mandatory consumer protection legislation.

8. INDEMNIFICATION

You agree to indemnify and hold harmless SaversJoy and its affiliates, officers, and agents from any and all claims, damages, obligations, losses, liabilities, costs, or expenses arising from your use of the platform.

Subject to the limitations set out below, you agree to indemnify, defend, and hold harmless SaversJoy and its directors, officers, employees, and authorized agents (“Indemnified Parties”) against any verified third-party claims, losses, damages, and reasonable legal fees and expenses (“Losses”) that directly and proximately arise from:

your material breach of any provision of these Terms, including but not limited to the Acceptable Use Policy in Section 4; or
your infringement or alleged infringement of any third party’s intellectual property rights through User Content you submit to the Platform.

This indemnity is subject to the following limitations:

This indemnity does not apply to the extent that the relevant Losses arise from or are contributed to by SaversJoy’s own negligence, willful misconduct, fraud, or material breach of these Terms;
SaversJoy must promptly notify you of any claim for which it seeks indemnification, give you reasonable control of the defense and settlement of the claim (at your cost), and provide reasonable cooperation; and
SaversJoy may not settle any claim in a manner that imposes any obligation, restriction, or liability on you without your prior written consent, not to be unreasonably withheld.

If you are a consumer in the UK or EU, the indemnity in this clause applies only to the extent permitted by applicable consumer protection law and shall not operate to impose any obligation that is disproportionate to or inconsistent with your statutory rights.

9. DATA PROTECTION & PRIVACY

We take your privacy seriously. Please see our Privacy Policy.

1. Data Controller Identity

SaversJoy processes personal data as a data controller within the meaning of the US privacy laws / the California Consumer Privacy Act (CCPA) / California Privacy Rights Act (CPRA) / DPDP Act (India).

2. Privacy Policy

Our full Privacy Policy, which forms an integral part of these Terms and is incorporated herein by reference, is available at https://saversjoy.com/privacy-policy/. The Privacy Policy sets out, among other matters:

the categories of personal data we collect from you, and how we collect it;
the specific purposes for which we process your personal data and the lawful bases for such processing (including legitimate interests, contractual necessity, legal obligation, and/or consent, as applicable);
your rights as a data subject, including the rights of access (Art. 15 GDPR), rectification (Art. 16), erasure (Art. 17), restriction of processing (Art. 18), data portability (Art. 20), and objection (Art. 21);
our data retention periods and the criteria used to determine them;
details of any transfers of personal data to third countries outside the UK/EEA and the safeguards applied (including Standard Contractual Clauses under GDPR Art. 46, or the UK International Data Transfer Agreement);
the identity of any third-party data processors with whom personal data is shared;

10. GOVERNING LAW & DISPUTE RESOLUTION

10.1 Governing Law

These Terms are governed by and shall be construed in accordance with the laws of the State of Wisconsin, United States of America, without regard to its conflict‑of‑law principles. If you are a user located in India, these Terms shall operate alongside your mandatory rights under the Consumer Protection Act, 2019 and the Digital Personal Data Protection Act, 2023, which are not limited or waived by this choice of governing law.

If you are a consumer habitually resident in the EU or UK, this choice of governing law does not deprive you of the protection afforded by the mandatory laws of your country of residence that cannot be derogated from by agreement, in accordance with Article 6 of the Rome I Regulation (EC No 593/2008) and the UK Law Applicable to Contractual Obligations (Amendment) (EU Exit) Regulations 2019.

10.2 Dispute Resolution — US Users

For users located in the United States, any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or validity thereof, that cannot be resolved informally within 30 days of one party notifying the other in writing of the dispute, shall be submitted to binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in effect at the time the arbitration is initiated, conducted in [City, State — CONFIRM]. The arbitrator’s decision shall be final and binding. Judgment on the award may be entered in any court of competent jurisdiction. Either party may seek emergency injunctive relief in a court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration.

CLASS ACTION WAIVER: BY AGREEING TO THESE TERMS, YOU WAIVE ANY RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION LAWSUIT, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING AGAINST SAVERSJOY.

10.3 Informal Resolution (All Users)

Before initiating any formal arbitration or court proceedings (except for urgent injunctive relief), both parties agree to attempt to resolve any dispute informally by contacting SaversJoy at legal@saversjoy.com with a written description of the dispute and the relief sought. SaversJoy will acknowledge receipt within 5 business days and attempt to respond substantively within 30 days.

11. MODIFICATIONS TO TERMS

SaversJoy may update these Terms at any time. Continued use of the platform constitutes acceptance.

SaversJoy reserves the right to amend, update, or replace these Terms from time to time to reflect changes in applicable law, regulatory requirements, business practice, or the features and functionality of the Platform.

For any material changes to these Terms — including changes that alter your rights, obligations, or the commercial terms of your use of the Platform — SaversJoy will provide at least 30 days’ advance written notice. Such notice will be delivered by:

email to your registered email address; and
a prominent in-platform notification displayed upon your next login to the Platform.

If you do not agree to the revised Terms, you may terminate your account at any time before the effective date of the changes by notifying us at legal@saversjoy.com, without incurring any penalty or additional charge.

For users who are consumers in the EU or UK: if a material change to these Terms is to your detriment — that is, if it materially worsens your legal position under these Terms — you have the right to terminate your account and/or subscription without charge or penalty within the 30-day notice period.

Your continued use of the Platform after the effective date of any revised Terms will constitute your acceptance of those revised Terms. We recommend that you review the Terms periodically. The date of the most recent revision will be displayed at the top of this document and at www.saversjoy.com/terms.

12. NOTICE PROVISIONS

12.1 Notices from SaversJoy to You

SaversJoy may give notice to you under or in connection with these Terms by any of the following means:

by email to the email address registered to your account at the time of transmission;
by in-platform notification displayed upon your next login to the Platform; or
by posting a notice on http://www.saversjoy.com in a prominent location.

It is your responsibility to maintain an accurate and current registered email address. SaversJoy shall not be responsible for non-receipt of notices caused by an inaccurate or outdated registered email address provided by you or if the in-platform notification is disabled by you.

12.2 Notices from You to SaversJoy

All legal notices from you to SaversJoy must be in writing and sent by one of the following means:

by email to: legal@saversjoy.com; or
by first-class post or recorded delivery to: SaversJoy Legal Department, [Registered Address — TO BE CONFIRMED BY CLIENT].

Legal notices sent by email to SaversJoy must include your full name, account reference number, and a clear description of the subject matter of the notice. General customer service enquiries should be directed to support@saversjoy.com and do not constitute legal notice for the purposes of these Terms.

12.3 Deemed Receipt

For the purposes of these Terms:

a notice sent by email shall be deemed received at the time of transmission, provided that no delivery failure, bounce-back, or error notification is received by the sender within 24 hours of transmission;
a notice sent by first-class post within the United Kingdom shall be deemed received on the second business day following the date of posting; and
a notice sent by international post shall be deemed received on the fifth business day following the date of posting

13. SUSPENSION & TERMINATION

SaversJoy may terminate your account at any time for any reason.

13.1 Termination by SaversJoy

SaversJoy may suspend or permanently terminate your account and your access to the Platform:

immediately and without prior notice, where you have materially breached these Terms, including but not limited to engaging in fraud, misrepresentation, abuse of the cashback or rewards system, any breach of Section 4 (Acceptable Use Policy), or any other conduct that in SaversJoy’s reasonable assessment causes or is likely to cause harm to SaversJoy, other users, or third parties; or
with at least 30 days’ prior written notice (delivered in accordance with Section 12 of these Terms), for any other reason, including commercial restructuring, discontinuation of the Platform in whole or in part, or any reason not falling within sub-clause (a) above.

13.2 Termination by You

You may terminate your account at any time by using the account closure function in your account settings, or by contacting us at support@saversjoy.com. Termination by you is effective immediately upon confirmation of closure.

13.3 Consequences of Termination

Upon termination or suspension of your account (however arising):

your right to access and use the Platform ceases immediately;
any accrued and confirmed cashback balance of £/$/€1.00 or more will be paid out to your nominated payment method within 30 days of the date of termination, unless the termination was initiated by SaversJoy under clause 13.1(a) on grounds of fraud, misrepresentation, or material breach, in which case the cashback balance may be forfeited;
SaversJoy will retain your personal data only for so long as required by law or legitimate business purposes, in accordance with the Privacy Policy; and
the following provisions of these Terms shall survive termination and continue in full force and effect: Sections 5 (Intellectual Property), 7 (Limitation of Liability), 8 (Indemnification), 9 (Data Protection), 10 (Governing Law & Dispute Resolution), 12 (Notice Provisions), and this clause 13.3.

14. SEVERABILITY, WAIVER & ENTIRE AGREEMENT

14.1 Severability

If any provision of these Terms is found by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable in whole or in part, such provision shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable, preserving to the greatest extent possible the original intent of the parties. If modification is not possible, the invalid provision shall be severed from these Terms. The remaining provisions of these Terms shall continue in full force and effect and shall not be affected by the invalidity, illegality, or unenforceability of the severed provision.

14.2 Waiver

No failure or delay by either party in exercising any right, power, or remedy under these Terms shall operate as a waiver of that right, power, or remedy. No waiver of any right or provision of these Terms shall be effective unless made in writing and signed by an authorized representative of the waiving party. A waiver of any breach of these Terms shall not constitute a waiver of any subsequent or continuing breach of the same or any other provision.

14.3 Entire Agreement

These Terms, together with the Privacy Policy (at http://www.saversjoy.com/privacy) and any applicable subscription agreement, cookie policy, and any other documents expressly incorporated herein by reference, constitute the entire agreement between you and SaversJoy with respect to the Platform and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, whether oral or written, with respect to the same subject matter.

14.4 Third Party Rights

A person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 1999 (UK) to enforce any term of these Terms. This clause does not affect any right or remedy of a third party which exists or is available apart from that Act.

14.5 Assignment

SaversJoy may assign or transfer its rights and obligations under these Terms to any affiliate, successor in title, or acquirer of the business or assets to which these Terms relate, provided that such assignment does not adversely affect your rights under these Terms. You may not assign or transfer your rights or obligations under these Terms without SaversJoy’s prior written consent.