How is niyoX Utkarsh Account and are there referral benefits?

I basically want to open zero balance account to create FD at attractive rates.

Came across NIYOx Utkarsh account.

How is the review? Are there hidden charges or data sharing to other platforms.

I read that NiyoX is able to access my balance, is it true? 

Will it be able to access FDs as well? Is this secure?