Terms & Conditions
Welcome to FLIP!
These Terms and Conditions (“Terms”) govern your access and use of our products, website, mobile application, and related services operated by RheoMinds Global Private Limited (“FLIP,” “we,” “us,” or “our”). By using or accessing FLIP, you agree to these Terms in full. If you do not agree, please refrain from using our platform.
1. About FLIP
Who We Are
FLIP, powered by RheoMinds Global Private Limited, is headquartered at:
4th Floor, Workpod, Sector 44-45, Gurgaon, Haryana – 122002, India.
What We Do
FLIP is an AI-powered financial assistant designed to help users:
Discover and activate rewards, cashback, and offers across credit cards, UPI, and payment networks in real-time.
Get AI-based recommendations for the best payment method per transaction.
Track card milestones, renewal benefits, and bill cycles automatically.
Manage rewards, vouchers, and loyalty points in one unified wallet.
Participate in referral, gamified rewards, and milestone challenges.
FLIP also enables banks, brands, and merchants to create personalized programs and intelligent reward campaigns through our B2B infrastructure layer.
Updates
We may modify these Terms periodically. Continued use after updates constitutes acceptance of the revised Terms.
2. Eligibility and Account Requirements
Who Can Use FLIP
You must be 18 years or older.
You must be capable of entering into legally binding contracts.
You must provide accurate and complete information during registration.
Account Responsibilities
Keep your details current and accurate.
Maintain confidentiality of your account credentials.
Notify us immediately of any unauthorized activity.
You are responsible for all actions under your account.
3. Use of Our Services
You May
Use FLIP for personal, lawful, and non-commercial purposes.
Access and manage your credit card insights, cashback, and rewards.
Participate in FlipCoins, referral programs, and AI recommendations.
Use our smart shopping and booking assistant to discover best offers.
You May Not
Use bots, scrapers, or automation without written approval.
Copy, modify, reverse-engineer, or distribute any FLIP content or IP.
Upload, share, or transmit malicious, illegal, or deceptive content.
Engage in fraudulent activities, including misuse of reward programs.
Create multiple fake accounts to exploit offers or benefits.
4. Transactions and Payments
How It Works
FLIP provides insights, recommendations, and connects users with third-party merchants, payment networks, and offer partners.
We do not sell or resell products directly.
Commercial terms (pricing, delivery, fulfilment) are governed by the supplier or payment provider.
Payments
FLIP may act as a facilitator or technology intermediary.
We do not hold or manage user funds directly.
Any payment disputes are between the user and respective merchant or provider.
Users are responsible for applicable taxes (including GST).
Cashback, Offers, and Rewards
Cashback and rewards are offered by third parties (banks, brands, aggregators).
FLIP provides AI-driven visibility but does not guarantee redemption or credit timelines.
FLIP reserves the right to modify, discontinue, or restrict promotional programs.
Any dispute must be raised with the respective offer provider or card issuer.
5. Communication and Notifications
By registering, you consent to receive:
Transactional emails, SMS, and push notifications.
Promotional messages, newsletters, and app updates.
AI-based insights or offers curated for you.
Opt-Out: You may unsubscribe from marketing communications anytime by following the unsubscribe link or contacting support@paybyflip.com
Transactional messages related to service usage may still be sent.
6. Privacy and Data Security
Your privacy is our priority. Please refer to our [Privacy Policy] for detailed information on:
Data we collect and how we use it.
How your data supports AI-based recommendations.
Rights and controls you have over your personal information.
Data sharing with trusted third-party service providers for analytics, hosting, and payment infrastructure.
By using FLIP, you consent to data processing as outlined in our Privacy Policy.
7. Intellectual Property
Our Rights
All content, algorithms, trademarks, graphics, design, and technology underlying FLIP are the intellectual property of RheoMinds Global Private Limited.
You may not use, copy, or reproduce any element of FLIP without written permission.
Your Content
By submitting feedback, reviews, or suggestions, you grant FLIP a non-exclusive, royalty-free, perpetual license to use and display such content for operational or marketing purposes.
8. Third-Party Integrations and Links
FLIP integrates with third-party platforms such as:
Banks, credit card issuers, and payment aggregators.
Travel, shopping, OTT, and lifestyle partners.
Offer networks and loyalty systems.
We are not responsible for the availability, accuracy, or terms of third-party websites or services. Use them at your own discretion.
9. Platform Availability and Fair Usage
We strive for uninterrupted access but do not guarantee continuous uptime.
FLIP may restrict, suspend, or terminate accounts involved in:
Abuse of referral or reward systems.
Fraudulent or deceptive activities.
Excessive automated activity or scraping.
Breach of these Terms or applicable laws.
We may temporarily suspend operations for upgrades or maintenance.
10. Disclaimers and Limitations
FLIP provides AI-driven insights and recommendations for informational purposes only.
We do not guarantee the availability or accuracy of third-party offers.
The platform is provided “as is” without warranties of any kind.
FLIP, its affiliates, and partners are not liable for indirect or consequential damages.
Total liability under these Terms will not exceed the amount paid (if any) for premium services.
11. Account Suspension and Termination
We may suspend or terminate your access if you:
Violate these Terms or any applicable laws.
Engage in fraudulent, abusive, or suspicious activity.
Provide false or misleading registration details.
Upon termination:
You must cease all use immediately.
Certain obligations (like indemnity or confidentiality) survive termination.
We may retain limited data as required by Indian law or RBI guidelines.
12. Dispute Resolution
Governing Law: These Terms are governed by the laws of India.
Jurisdiction: Gurgaon, Haryana.
Resolution Process
Contact us at support@flip.money with details of your complaint.
We’ll aim to resolve within 60 days.
Unresolved disputes will be settled through binding arbitration in India under the Arbitration and Conciliation Act, 1996.
All claims must be brought individually; class actions are not permitted.
13. General Provisions
Entire Agreement: These Terms and our Privacy Policy together form the complete agreement.
Severability: If any clause is invalid, the remainder remains effective.
No Waiver: Failure to enforce a clause doesn’t waive our right to enforce it later.
Assignment: FLIP may assign its rights and obligations under these Terms to affiliates or successors.
14. Accuracy and Responsibility
We strive for accurate and updated information. However, you are responsible for verifying details before acting on any recommendation or offer displayed on the platform.
Contact Us
RheoMinds Global Private Limited
4th Floor, Workpod, Sector 44-45, Gurgaon, Haryana – 122002
Email: support@paybyflip.com
Website: www.paybyflip.com
By using FLIP, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.