Terms & Conditions

2. Eligibility

You must be at least 18 years old and a resident of India to use the Platform. You represent that you are legally competent to enter into these Terms.

3. Services Provided

The Platform currently offers:

• Educational content on Specialised Investment Funds (SIFs), Mutual Funds, PMS, Gift City
• Tools: AUMZenith allocation model, calculators, SIF GPT chatbot
• Lead generation & callback requests
• Distributor/partner registration

Future Services (when enabled):

• Transaction capabilities for SIF, Mutual Funds, PMS, Gift City offerings
• KYC, folio creation, portfolio viewing via RTA integrations (Kfintech/CAMS)
• Payment processing via Razorpay

4. User Accounts & Security

• You are responsible for maintaining confidentiality of your login credentials.
• Notify us immediately of any unauthorized use.
• We reserve the right to suspend/terminate accounts for violation or fraud.

5. KYC & Transactions (When Enabled)

• All transactions require valid KYC as per SEBI/RBI norms.
• We act only as a facilitator — actual investments are executed by AMCs/RTAs.
• You are solely responsible for investment decisions. We do not provide advice.

6. Referral Program

• Referrer & referee each receive ₹500 (voucher/UPI) when referee completes ₹10 lakh+ investment via our platform/partners.
• Subject to verification, fraud prevention checks, and compliance.
• We reserve right to modify/cancel program anytime.

7. Intellectual Property

All content (text, tools, design) is owned by SafalMoney or licensed. You may not copy, modify, or distribute without permission.

8. Disclaimers & Limitation of Liability

• Platform is provided "as is". We do not guarantee accuracy, completeness, or uninterrupted access.
• Investments carry risk of loss. We are not liable for any investment decisions or losses.
• Maximum liability limited to ₹1,000 or amount paid (if any).
• Not liable for indirect, consequential, or punitive damages.

9. Indemnity

You agree to indemnify us against claims arising from your misuse, violation, or investment losses.

10. Termination

We may suspend or terminate your access anytime for violation of Terms or legal requirements.

11. Governing Law & Jurisdiction

Governed by laws of India. Exclusive jurisdiction: courts in Mumbai, Maharashtra.

12. Changes to Terms

We may update Terms. Continued use after changes constitutes acceptance.

13. Grievance Officer

For complaints: grievance@safalmoney.com