Terms of Service

Last updated: 19 Oct 2026

These Terms of Service ("Terms") are an agreement between you and Earnopia ("we", "us", "our") and govern your use of the Earnopia Android app, the website at earnopia.camprupeez.com and the related services (together, the "Service"). By creating an account or using the Service you agree to these Terms and to our Privacy Policy.

1. What Earnopia does

Earnopia lets you refer customers ("leads") to financial offers from third-party partners — such as demat and trading accounts, mutual fund investments, credit cards, loans, insurance and savings accounts. Depending on the campaign, either an Earnopia agent completes the application for the customer in a live chat session, or you complete it yourself on the partner's website and upload a proof. When the partner confirms the application and we approve it, cashback is credited to your Earnopia wallet.

2. Eligibility and your account

• You must be at least 18 years old and resident in India.
• Give true, complete and current information when you register and keep it updated.
• One person may hold only one account. Duplicate accounts may be suspended and their balances withheld.
• You are responsible for everything that happens under your account. Keep your password private and log out on shared devices.
• We may ask for identity or bank verification before processing withdrawals.

3. Leads and customer consent

• Add a customer only with their clear, informed consent to share their details with Earnopia and with the partner of the chosen offer.
• Do not add fake, duplicate, borrowed or purchased details, or details of a person who has not agreed.
• OTPs, documents and answers must come from the actual customer and may be used only for the request they belong to.
• The customer, not you, becomes the holder of any account or product opened through an offer.
• A lead can be edited until a proof for one of its requests has been submitted for review.

4. Requests and agents

• Submitting a request starts a live session. Online agents are notified and the first agent to accept is connected to you.
• The agent may ask for additional information, documents or OTPs. Requests that wait for your reply beyond a reasonable time may be closed.
• Agents act only on the information you provide. They do not give investment, tax or financial advice.
• Every status change is recorded with the date, time and the person who made it. Rejections always include a reason.
• We may cancel, reject or reverse a request that breaks these Terms, a partner's rules or the law.

5. Cashback, bonuses and holding periods

• The cashback amount shown when you submit a request is locked for that request, even if the campaign changes afterwards.
• Cashback is credited only after the partner confirms the application and an Earnopia administrator approves it. Approval can take hours or days depending on the partner.
• Some offers pay part of the cashback immediately on approval and the rest after a holding period (for example, after a SIP or balance has been maintained). The remaining part is released when you upload the holding proof requested in the app and it is approved.
• Requests may be rejected without cashback if the partner rejects the application, the customer already has an account or product with the partner, the offer's conditions are not met, or the request is found to be fraudulent or duplicate.
• Bonuses and custom payouts are at our discretion and may be changed or withdrawn.
• We may reverse any cashback or bonus credited by mistake, obtained through a breach of these Terms, or clawed back by a partner (for example when an account is closed or a transaction is reversed within the partner's window).

6. Wallet and withdrawals

• Your wallet balance is not a bank deposit and does not earn interest. It can only be withdrawn to a UPI ID or bank account in your own name or as permitted in the app.
• Withdrawals are subject to the minimum (currently ₹100) and maximum limits shown in the app and may be paused during maintenance or review.
• Make sure your payout details are correct. We are not responsible for payments sent to a UPI ID or account you entered incorrectly.
• Withdrawals are normally processed within the time shown in the app. We may hold a withdrawal while a request, bonus or account is under review.
• Taxes on your earnings are your responsibility. We may deduct tax at source where the law requires it.

7. Prohibited conduct

You must not: submit fake, duplicate or non-consenting leads; use someone else's PAN, bank or documents without permission; share OTPs that are not yours to share; create multiple accounts; use bots, scripts or automation; interfere with, reverse-engineer or attack the Service; harass or abuse agents or staff; or use the Service for anything unlawful. Breaches may lead to suspension or termination of your account and forfeiture of pending cashback and bonuses.

8. Partners and third-party products

Offers are provided by independent partners. Their products are governed by their own terms, eligibility rules and approval processes, which we do not control. Offers, cashback amounts, payout options and availability may change or be withdrawn at any time. Earnopia is not a bank, broker, fund house, insurer or lender and does not provide financial advice.

9. Notifications and communications

By using the Service you agree to receive transactional notifications (in-app, push, SMS or email) about your requests, agent messages and wallet. You can control push notifications in your device settings; some service messages cannot be opted out of while your account is active.

10. Intellectual property

The Earnopia name, logo, app, website, design and content belong to us or our licensors. You may use them only to use the Service as intended.

11. Suspension and termination

We may suspend or close your account, with or without notice, if you breach these Terms, if we suspect fraud or abuse, or if required by law or a partner. You can close your account at any time by contacting support. Approved cashback that is not under review will be paid out in accordance with these Terms.

12. Disclaimer and limitation of liability

The Service is provided "as is" and "as available". To the fullest extent permitted by law, we are not liable for indirect, incidental or consequential losses, for a partner's decision to reject an application, or for delays caused by partners, banks or network providers. Our total liability for any request is limited to the cashback amount of that request.

13. Changes to the Service and these Terms

We may change the Service, campaigns and these Terms at any time. The date at the top shows when these Terms were last updated. Continued use of the Service after a change means you accept the updated Terms.

14. Governing law

These Terms are governed by the laws of India. Courts in India have exclusive jurisdiction over any dispute, subject to any mandatory consumer-protection rights you have.

15. Contact

For any questions about these Terms, contact our support team.