Terms & Conditions
By accessing or using the HR90 website, creating an account, purchasing a product, participating in an investment plan or using any related service, you acknowledge that you have read and accepted these Terms & Conditions.
1. Acceptance of Terms
By accessing or using the HR90 website, creating an account, purchasing a product, participating in an investment plan or using any related service, you acknowledge that you have read and accepted the applicable Terms & Conditions. If you do not agree to these terms, you should not use the relevant service.
2. Eligibility
You must meet the applicable eligibility requirements before registering, investing or using restricted services. HR90 may require verification before enabling certain features, and reserves the right to refuse, restrict or suspend access where permitted by applicable law.
3. Registration
You are responsible for providing accurate and complete registration information and for updating incorrect or outdated information immediately. Providing false, misleading or fraudulent information may result in account restriction, suspension or termination.
4. Account Security
You are responsible for maintaining the confidentiality of your username, password, OTP and other authentication information, and you should not share your account credentials with third parties. Any activity performed through your account may be treated as activity authorised by you unless proven otherwise, subject to applicable law.
5. KYC Verification
HR90 may require identity verification, PAN, bank details, address information, supporting documents, mobile verification, email verification and other legally or operationally required information. Investment, withdrawal or account functionality may remain restricted until verification is completed.
6. Investment Plans
Investment plans may contain different investment amounts, profit rates, durations, lock periods, maturity conditions, withdrawal conditions, eligibility requirements and fees. The terms shown for the selected plan and the final investment agreement shall govern that investment.
7. Investment Confirmation
An investment should be considered active only after successful payment, system confirmation and activation according to the applicable process. Payment attempts that fail, are cancelled, reversed or rejected may not constitute an active investment.
8. Profit Calculation
Where an investment plan provides a stated daily profit calculation, profit is calculated according to that plan's terms. For the example model that calculation is Original Principal × Applicable Daily Profit Rate × Eligible Days. The example model is non-compounding: no assumption should be made that profit automatically increases the principal for future calculations unless the selected plan expressly says so.
9. Illustrative Returns
Any example such as a ₹50,000 investment, a 0.90% daily rate, a ₹450 daily illustration or ₹20,250 over 45 days is an illustrative calculation based on the supplied example. It must not be interpreted as an unconditional or guaranteed promise of future returns.
10. Lock Period
Where the applicable plan specifies a 45-day lock period, the principal remains subject to that lock period. Early withdrawal of principal may not be available unless specifically permitted by the applicable plan or final contractual terms, and different plans may have different lock periods.
11. Maturity
At maturity, the investment status and applicable withdrawal eligibility are updated according to the investment plan. The applicable principal and profit treatment shall be governed by the selected plan's final terms.
12. Profit Withdrawals
Eligible profits may be requested according to the withdrawal schedule configured by HR90. The current project example permits withdrawals on Wednesday and/or Friday. Withdrawal timing may be changed by HR90 in accordance with applicable policies.
13. Withdrawal Requests
To request a withdrawal, you may need to log in, open the wallet, check your eligible balance, enter the withdrawal amount, confirm your bank or payment information and submit the request. Additional verification may be required.
14. Withdrawal Status
Withdrawal requests may be assigned one of four statuses: Pending, Approved, Paid, Rejected. A request can remain pending where review, verification or operational processing is required.
15. Withdrawal Rejection
A withdrawal may be rejected or delayed where account information is incomplete, KYC is incomplete, bank information is incorrect, fraud or misuse is suspected, the balance is not eligible, the transaction violates applicable rules, technical or payment issues occur, or legal or regulatory restrictions apply.
16. Wallet
The digital wallet may contain investment profit, referral income, bonuses, other permitted credits, withdrawal debits and other applicable adjustments. You should review your wallet ledger regularly and report discrepancies through official HR90 support channels.
17. Referral Programme
The referral programme is subject to the currently approved referral rules. The present structure is Level 1 — 0.25%, Level 2 — 0.10%, Level 3 — No Income. Only qualifying referral activity may generate a reward.
18. Referral Eligibility
Referral rewards may depend on a valid referral link, successful user registration, completed verification, an eligible investment, a successful transaction, the transaction remaining valid and compliance with the referral rules. HR90 may refuse or reverse rewards resulting from fraudulent, cancelled, reversed, duplicate or otherwise invalid activity.
19. Referral Abuse
You must not create fake accounts, use misleading identity information, manipulate referrals, generate artificial transactions, use fraudulent payment activity or attempt to bypass the referral rules. Such activity may result in suspension, reward reversal or termination.
20. Product Sales
HR90 may sell Tea, Cosmetic Skin Products, Premium Fragrance Sprays and other products introduced through the platform. Product availability, price, specifications, stock and delivery information may change; the price displayed at the time of order confirmation shall apply unless otherwise stated.
21. Product Information
Product information should be reviewed before purchase, including the product description, ingredients, weight or volume, usage instructions, warnings, availability, price and delivery information. HR90 should not be treated as making unsupported medical, therapeutic or guaranteed-performance claims regarding products.
22. Orders
Orders may be subject to product availability, payment confirmation, stock availability, delivery serviceability, address verification, fraud checks and applicable product terms. HR90 may cancel an order where required due to payment failure, inventory problems, fraud concerns or other legitimate reasons.
23. Payment
Payments may be processed through third-party payment gateways, which may apply their own terms, fees and processing rules. HR90 is not responsible for outages or failures that are solely attributable to a third-party payment provider, subject to applicable law.
24. Refunds
Refunds, cancellations and order reversals are governed by the applicable HR90 Refund Policy and product-specific conditions. The approved refund periods, eligibility, exclusions and processing times will be stated in that policy; until they are confirmed, no refund period is published on this website.
25. Crypto Terms
Crypto-related services, products or opportunities may have separate terms, eligibility rules, fees, risk disclosures, transaction rules and regulatory requirements. Crypto assets can experience significant price volatility and you may lose part or all of the amount committed to a crypto-related activity. No statement on this website should be interpreted as a guarantee of crypto profit.
26. Crypto Regulatory Compliance
Crypto-related services may be subject to applicable laws, regulations, licensing requirements, transaction restrictions or geographic limitations. HR90 provides only those crypto-related services that are lawfully permitted for its applicable business and jurisdiction, and additional verification or restrictions may apply where required.
27. Fees
Applicable fees may include payment gateway fees, withdrawal fees, service fees, product delivery charges, taxes, statutory charges and other disclosed transaction fees. Any applicable fee will be displayed or disclosed before the relevant transaction wherever required; no fee amount is published on this website until it is confirmed.
28. Taxes
You are responsible for understanding and complying with your own tax obligations unless applicable law requires HR90 to deduct or collect a tax. Where required, HR90 may collect, deduct or report applicable taxes.
29. Platform Availability
HR90 aims to maintain platform availability but does not guarantee uninterrupted access. Temporary interruption may occur because of maintenance, software updates, internet failure, hosting issues, payment gateway issues, security incidents, force majeure or third-party service failures.
30. Platform Security
HR90 may use appropriate technical and organisational measures to protect the platform and user information. However, no internet-based system can be guaranteed to be completely secure, and you must report suspicious account activity immediately.
31. Prohibited Use
You must not use HR90 to commit fraud, launder money, conduct unlawful transactions, circumvent security, attack the platform, upload malicious software, misuse another person's identity, manipulate referral activity or abuse payment systems.
32. Account Suspension
HR90 may suspend or restrict an account where permitted by applicable law if there is fraud, misuse, a security concern, false information, a policy violation, a suspicious transaction, illegal activity, referral abuse, a payment dispute or a regulatory requirement.
33. Account Closure
You may request account closure according to the applicable procedure. Account closure does not automatically cancel outstanding financial, order, referral, payment or legal obligations, and outstanding matters may need to be resolved before final closure.
34. Changes to Services
HR90 may modify investment plans, the product catalogue, referral rules, withdrawal schedules, platform functionality, fees, website content and business verticals. Any material change should be communicated according to applicable laws and contractual obligations.
35. Changes to Terms
HR90 may update these Terms & Conditions from time to time. The latest version published on this website contains the effective terms, subject to applicable legal requirements, and you should review them regularly.
36. Intellectual Property
Website content including HR90 branding, logo, text, graphics, images, product content, software, design, videos and documents may be protected by intellectual-property rights. You may not reproduce, redistribute, modify or commercially exploit protected content without authorisation.
37. Third-Party Services
HR90 may use third-party services including payment gateways, SMS services, email services, hosting providers, analytics services and other technology providers. Use of those services may also be subject to third-party terms and privacy policies.
38. Limitation of Liability
To the extent permitted by applicable law, HR90 will not be responsible for losses arising solely from third-party failures, internet outages, payment-gateway issues, user errors, incorrect bank information, unauthorised sharing of credentials, market volatility, crypto price movements or events outside HR90's reasonable control. Nothing in these Terms excludes liability that cannot legally be excluded.
39. Force Majeure
HR90 shall not be responsible for failure or delay caused by events beyond reasonable control, including natural disasters, government actions, regulatory restrictions, war, civil unrest, network outages, infrastructure failures, cyber incidents and third-party service failures.
40. Risk Acknowledgment
By using the investment features, you acknowledge that investment activities involve risk. You should make decisions based on your own financial position, objectives and risk tolerance.
41. No Financial Advice
Information published on this website is for general informational purposes and does not constitute personalised financial, tax, legal or investment advice unless expressly stated and lawfully provided.
42. No Guarantee
Unless explicitly stated in a valid and legally binding contract, HR90 does not represent that any investment will produce a specific profit, that any investment will be risk-free, that any investment will always generate a specific daily return, that any crypto asset will appreciate, or that any product will produce a specific personal result.
43. Governing Law
The governing law and jurisdiction for HR90 services shall be stated in the final legal documentation applicable to the relevant HR90 entity, service and user. No governing law or jurisdiction is published on this website, and none should be inferred from it, until it has been confirmed in that documentation.
44. Dispute Resolution
Any dispute-resolution mechanism, arbitration provision, mediation provision or court jurisdiction shall be stated in the final approved legal agreement. None is published on this website in advance of that agreement.
45. Contact
HR90 Investment can be reached at www.hr90.in, on +91 73593 12938 or at info@hr90.in. For account, investment, withdrawal, product or technical support, please use the official channels published on this website.
By continuing to use HR90 services, you acknowledge that you have read and understood these Terms & Conditions, and that the final approved plan documents govern any investment you make.
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