Coinloom Community Rules

In short

1. Households, circles, feedback and polls are for people who trust each other. Be kind and fair.
2. Do not harass, threaten, shame or pressure anyone, and do not post anything sexual, hateful or illegal.
3. Put other people's details in Coinloom only when you need them for your own records.
4. Report a problem to support@nvexis.com. We confirm within 24 hours and act fast.
5. Breaking these rules can get content removed and accounts closed.

These rules are part of the Terms of Use. They apply to everything you share with other people in Coinloom: household names, entries, notes, attachments, shared-pot entries, settle-up records, circle names, challenge names, display names, pictures, feedback and poll answers.

1. Be respectful

• No harassment, bullying, threats, insults or shaming, inside households, circles or feedback.
• Do not use circles, points, streaks or settle-up to pressure anyone: not to spend, save, lend, repay or join. Money between family and friends is personal; a reminder is fine, nagging is not.
• No hate or discrimination based on religion, caste, race, gender, sexual orientation, disability, language, region or anything similar.

2. Protect other people's privacy

• Enter other people's details only when you need them for your own record (a first name or nickname is usually enough).
• Do not upload other people's ID cards, bank or card numbers, medical papers, or private photos to a shared household.
• Do not share an invite code with people the household owner has not agreed to.
• Do not copy or share screenshots of a household with outsiders without the members' agreement.
• Tell people before you add them to a household, and remove people who should no longer see it.

3. Content that is never allowed

Do not put into Coinloom (names, notes, files, pictures, messages or answers) anything that:

• belongs to someone else and you have no right to share;
• is obscene, pornographic or sexual, is harmful to children (including any child sexual abuse material), or invades someone's bodily privacy;
• shows a person in an intimate or sexual way without their consent, or is a fake or altered image or video of a real person;
• insults or harasses anyone on the basis of gender, religion, caste, race or ethnicity;
• encourages money laundering, gambling, fraud, violence or any other crime;
• infringes a copyright, trademark or other right;
• is knowingly false or misleading, or pretends to come from someone else;
• threatens the unity, integrity, defence, security or sovereignty of India, its friendly relations with other countries, or public order;
• contains a virus or other harmful code; or
• breaks any law in force.

4. Feedback and polls

• Feedback is read by NVEXIS only. Be honest and polite; do not include other people's private details.
• Poll answers are optional and only counted together. Polls never ask about health, religion, caste, politics, sexual life, your income or debts, or children.

5. How to report a problem

Email support@nvexis.com (Grievance Officer: J JAI AKASH). Please say which household or circle, what happened and when, and attach a screenshot if you can. You do not need to be a Coinloom user to report something about yourself.

What happens next:

• We confirm we received it within 24 hours (an automatic reply).
• Intimate images of you, or anything sexual involving a child: we act at once and remove or disable it within 2 hours of your report, as the IT Rules require.
• Other content that breaks the law: we act within 36 hours.
• Other complaints about something another user shared: we decide within 7 days.
• We tell you what we did. We do not tell the other person who reported them.

6. What we do

Depending on how serious it is, we may: remove or disable the content; remove a person from a circle; warn the account; limit features; or suspend or close the account (Terms, section 10). When the law requires it, we keep a record of removed content for the time the law sets and share it with the authorities. Where a crime may have happened (for example child sexual abuse material), we report it to the authorities.

If your content was removed and you think we were wrong, write to support@nvexis.com and we will look again.

7. A reminder

We remind everyone of these rules in the app from time to time, as the law asks.

Version 1.0, effective 18 October 2026.