Terms & Conditions

Overview. This website and the related FinvestR application (collectively, the "Service") are operated by FinvestR Capital ("FinvestR", "we", "us" or "our"). Throughout these Terms, "you" refers to the user of the Service. By accessing or using the Service, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, you may not use the Service.

We reserve the right to update, change or replace any part of these Terms by posting updates on this page. Your continued use of the Service after such changes constitutes acceptance of the updated Terms.

1. Eligibility

You must be at least 18 years of age and a resident of India to use the Service. By using the Service, you represent that you meet these requirements.

2. Nature of the Service

FinvestR is a software-as-a-service analytics tool, not an investment advisor. We help you read your own mutual fund portfolio, plan for goals, and run general financial calculations. We do not provide personalised investment advice, do not recommend specific securities for you to buy or sell, and do not execute transactions on your behalf.

Mutual fund distribution on the FinvestR platform, where available, is carried out by FinvestR Capital, registered with the Association of Mutual Funds in India (AMFI) as a Mutual Fund Distributor holding AMFI Registration Number 142502. In that capacity, FinvestR Capital may earn trail commissions from the Asset Management Companies whose schemes are transacted on the platform. Any such recommendation that arises incidentally to distribution is limited to mutual fund schemes.

3. Account, security and authentication

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at [email protected] if you suspect any unauthorised access. We are not liable for losses caused by unauthorised use of your credentials.

We use industry-standard practices (TLS in transit, encryption at rest, audited access controls) to protect your data, but no system is perfectly secure. You acknowledge the residual risk inherent in any online service.

4. Subscriptions, billing and auto-debit (Razorpay)

Paid features of the Service are billed in advance on a recurring basis through Razorpay, our payment gateway. By subscribing, you authorise us to charge the recurring fee to the payment instrument you provide until you cancel.

Free trial: if a free trial is offered, you will not be charged during the trial. If you do not cancel before the trial ends, you will automatically be converted to a paid subscription at the then-current rate.

Auto-debit consent (e-mandate): for Indian recurring payments, you authorise Razorpay to present electronic mandates to your bank in accordance with the Reserve Bank of India's e-mandate framework (vide RBI Circulars 2018 and subsequent amendments). You can revoke the e-mandate at any time through your bank, Razorpay's customer portal, or by writing to [email protected].

Prices are listed in Indian Rupees and are inclusive of applicable GST unless stated otherwise. We may revise subscription prices with at least 30 days' prior notice; continued use after such notice constitutes acceptance of the new price.

5. Cancellation and refunds

You may cancel your subscription at any time from your account settings. Cancellation stops future renewals but does not automatically refund the current billing cycle. Refunds, where applicable, are governed by our Cancellation & Refund Policy, which forms part of these Terms.

6. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws (including Indian securities, tax and data-protection laws).
• Attempt to gain unauthorised access to any part of the Service, other accounts, or any networks connected to the Service.
• Scrape, crawl, or use automated means to access the Service or extract data, except as permitted by our published APIs and robots.txt.
• Reverse-engineer, decompile, or otherwise attempt to derive source code from the Service.
• Upload content you do not have the right to upload, or upload viruses, malware or any code designed to disrupt the Service.
• Misrepresent your identity, your portfolio, or the source of any data you submit.

7. Intellectual property

The Service, including its design, code, branding, content and methodology, is owned by FinvestR Capital and is protected by Indian and international intellectual-property laws. You may use the Service for your personal, non-commercial purposes only. You may not copy, redistribute, or create derivative works of the Service or its content without our prior written permission.

8. Third-party data and AI outputs

Portfolio analytics depend on data sourced from AMFI, the CDSL/NSDL CAS providers, and public AMC disclosures. While we make reasonable efforts to keep this data accurate and current, we do not warrant that it is free from error or fit for any particular purpose.

AI chat responses are generated by large language models and are provided for informational purposes only. They are not investment advice. Always cross-check AI-generated numbers against your CAS statement and the relevant AMC's factsheet before acting.

9. Disclaimers

No investment advice. nothing on the Service constitutes investment, legal, tax or accounting advice. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.

The Service is provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of liability

To the maximum extent permitted by law, FinvestR, its directors, employees and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, resulting from (a) your use or inability to use the Service, (b) any errors or omissions in the content, (c) any investment decisions made on the basis of the Service, or (d) unauthorised access to your data.

In any event, our aggregate liability arising out of or relating to these Terms shall not exceed the total fees paid by you to us in the twelve (12) months preceding the event giving rise to the claim, or INR 1,000, whichever is lower.

11. Indemnity

You agree to indemnify and hold harmless FinvestR and its affiliates from any claim, demand, loss, or expense (including reasonable legal fees) arising out of your breach of these Terms, your misuse of the Service, or your violation of any law or the rights of a third party.

12. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, with reasonable notice where practicable. Upon termination, your right to use the Service ceases immediately. Sections of these Terms that by their nature should survive termination shall do so.

13. Governing law and dispute resolution

These Terms are governed by the laws of the Republic of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts at Bengaluru, Karnataka, India. The parties shall first attempt to resolve any dispute through good-faith negotiation for a period of thirty (30) days before initiating formal proceedings.

14. Contact

If you have any questions about these Terms, write to [email protected] or by post to FinvestR Capital, #361, 2nd Floor, 7th Cross, 1st Block, Jayanagar, Bengaluru 560011.