Terms & Conditions

1) Eligibility & Use of Website

• You must be at least 18 years of age and have the capacity to enter into a binding contract under the laws of India.
• You agree to use the Website only for lawful purposes and in accordance with these Terms and applicable laws, including but not limited to securities, KYC/AML, privacy, and communications laws.

2) Account, Onboarding & KYC/AML

• Certain services may require registration, identity verification and completion of KYC/AML processes. You agree to provide true, accurate, current and complete information and to keep it updated.
• We may, at our discretion, decline or restrict access if verification cannot be completed to our satisfaction or to comply with law, regulatory directives, or partner requirements.

3) Services, Third‑Party Platforms & No Advice

• We may provide research, tools, model portfolios, educational content, and access to products such as mutual funds, PMS, AIFs, insurance, loans, demat/trading, or other services offered by third parties (“Third‑Party Services”).
• All Third‑Party Services are subject to the respective provider’s terms, eligibility, fees, risks, and documentation. We do not control, endorse, or guarantee third‑party information, performance, or obligations.
• Unless you have a signed client engagement letter specifically for investment services, nothing on the Website constitutes personalized investment advice, recommendation, solicitation or an offer to buy/sell any security or financial product.

4) Risks & Performance

• Investments in securities markets are subject to market risks. Read all scheme‑related documents carefully.
• Past performance does not guarantee future returns. Illustrations, back‑tests, model portfolios and forward‑looking statements are purely educational and may differ from actual results.
• Valuations, ratings, and data are subject to change without notice and may be sourced from third parties believed to be reliable but not assured for accuracy or completeness.

5) Fees, Charges & Taxes

• Pricing for any service or product will be disclosed at or before onboarding to that service. Third‑party fees (including management fees, brokerages, transaction charges, distribution fees, platform charges, taxes, and statutory levies) may apply.
• You are solely responsible for all applicable taxes, filings, and reporting unless otherwise specified by law.

6) Communications Consent (Email, SMS, Calls & WhatsApp)

• By submitting your contact details on the Website or interacting with us, you expressly consent to receive transactional and promotional communications from us and our authorised partners via email, SMS, voice calls, and messaging platforms such as WhatsApp, including using automated systems, subject to applicable laws and your opt‑out rights.
• For WhatsApp, you consent to receive messages on the number you provide. You can opt out at any time by replying STOP on WhatsApp or by emailing info@investosmart.com. Standard messaging/data rates may apply.
• If your number is registered on DND/NDNC, by providing consent and contacting us you authorise communications notwithstanding such registration, to the extent permitted by applicable TRAI/DoT rules.
• We may use approved third‑party communication platforms (e.g., WhatsApp Business Solution Providers) to deliver messages. Your use of such platforms is governed by their terms and privacy policies.

7) Electronic Records & E‑sign

You agree that agreements, disclosures, statements, notices and other communications we provide electronically satisfy any legal requirement that such communications be in writing. Where permitted, you consent to e‑signatures and electronic consent flows for onboarding and transactions.

8) Intellectual Property

• All content on the Website, including text, graphics, logos, icons, images, software and trademarks are owned by or licensed to Investosmart and are protected by applicable intellectual property laws.
• You may not copy, reproduce, modify, distribute, publicly display, mirror, frame, or create derivative works from the Website or its content without our prior written consent.

9) User Content & Acceptable Use

• You are responsible for any content you submit (e.g., forms, feedback). You represent that you have the rights to submit such content and that it does not infringe any third‑party rights or applicable laws.
• You agree not to: (a) misuse the Website; (b) upload malicious code; (c) attempt unauthorised access; (d) scrape or harvest data without consent; (e) post unlawful, defamatory, obscene, infringing, or misleading content.

10) Privacy, Cookies & Security

• Our Privacy Policy explains how we collect, use, share and protect your information. By using the Website, you agree to our privacy practices.
• We use cookies and similar technologies. Details are available in our Cookie Policy. You can manage preferences in your browser or through our consent banner where available.
• While we implement reasonable security measures, no method of transmission or storage is fully secure. You are responsible for maintaining the confidentiality of your credentials and for all activities under your account.

11) Third‑Party Links

The Website may contain links to third‑party websites and tools. These are provided for convenience only. We are not responsible for their content, policies, or availability. Access is at your own risk and subject to the third party’s terms.

12) Suspension & Termination

We may suspend or terminate access to the Website or services, with or without notice, for any reason including breach of these Terms, suspected fraud, legal or regulatory requirements, security concerns, or extended inactivity.

13) Disclaimers

• AS‑IS BASIS: The Website and content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied.
• Without limiting the foregoing, we disclaim warranties of merchantability, fitness for a particular purpose, non‑infringement, data accuracy, uninterrupted access, and that defects will be corrected.

14) Limitation of Liability

To the maximum extent permitted by law, in no event shall Investosmart, its directors, employees, agents, affiliates or partners be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for loss of profits, data, business, goodwill, or other intangible losses, arising out of or related to your use of (or inability to use) the Website, even if advised of the possibility of such damages. Our aggregate liability for all claims relating to the Website shall not exceed INR 10,000 or the amount you paid to us (if any) for the service giving rise to the claim in the 3 months preceding the claim, whichever is higher.

15) Indemnity

You agree to indemnify, defend and hold harmless Investosmart and its officers, directors, employees, agents and partners from and against all claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your breach of these Terms, your misuse of the Website, or your violation of any law or third‑party right.

16) Changes to Website & Terms

We may update, modify, or discontinue any feature of the Website at any time. We may revise these Terms from time to time. The updated version will be posted on this page with a new “Last updated” date. Your continued use of the Website constitutes acceptance of the revised Terms.

17) Governing Law & Jurisdiction

These Terms are governed by the laws of India. Subject to applicable law, courts at Ahmedabad, Gujarat shall have exclusive jurisdiction over disputes arising out of or in connection with these Terms or your use of the Website.

18) Grievances & Contact

For questions, grievances, or to exercise your rights (including opting out of promotional communications), contact us at:

• Avitas Investosmart Pvt Ltd
• Email: info@investosmart.com
• Phone: +91 7490 016 748
• Address: Add your registered office address here

If you are an NRI client, additional terms may apply based on your country of residence and local regulations.

19) Entire Agreement & Severability

These Terms, together with our Privacy Policy, Cookie Policy and any product‑specific terms you accept, constitute the entire agreement between you and us regarding the Website. If any provision is held invalid, the remaining provisions shall remain in full force and effect.