Terms & Condition

Welcome, and thank you for using Investkraft! When you use Investkraft Platform, You are agreeing to be governed by the Terms and Conditions contemplated herein below read with our Privacy Policy, the terms and condition (if any) specific to the products and/ or services availed by You. We hereby requested you to familiarize yourself with the Terms and Conditions described below:

Note: By registering, browsing, accessing, downloading, and/or using the Investkraft Platform either for general purpose or for specific purpose, You are agreeing to and entering into a legally binding agreement with including but not limited to Monetic Technologies Private Limited.

PLEASE READ THROUGH THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING INVESTKRAFT PLATFORM (i.e., THE SITE AND/OR ITS MOBILE APPLICATION)

The website www.Investkraft.com (“Website”) and the mobile application Investkraft (“Mobile App”) is owned, operated, and managed, by Monetic Technologies Private Limited, having its registered office located at KD-137, Pitampura, New Delhi 110034. For the purposes of providing the Investkraft Platform Services, Monetic has granted to its Group Entities a revocable, non-exclusive, non-transferable license to utilize the Investkraft Platform.

the electronic record and contract created on the platform are in compliance with the Information Technology Act, 2000 and relevant regulations governing electronic documents and records. The statement also asserts that the terms and conditions do not require any physical, electronic, or digital signature to be legally binding. This is because the Information Technology Act, 2000 recognizes electronic signatures as a valid and enforceable means of signing electronic documents, contracts, and records.

Please note that you’re browsing, accessing, downloading, and/or using Investkraft Platform are subject to the terms and conditions stated herein; if You do not agree to any or all of the following terms and conditions, You should not use or access the Investkraft Platform and/or Investkraft Platform Services in any manner.

DEFINITIONS

a. “We”, “Us”, “Our”, “Company” - shall refer to Finzoom Investment Advisors Private Limited and its Group Entities.

b. “You”, “Yours”, “Yourself”, “User”, “Investkraft User” - refers to any individual, non- individual or corporate body.

c. “Government Authority” shall mean any national, state, local, provincial, municipal, district or other sub-division governmental authority, statutory authority including Securities and Exchange Board of India (SEBI), Reserve Bank of India (RBI), Insurance Regulatory Development Authority of India (IRDAI), CDSL, government department, administrative authority including (Indian) stock exchange such as NSE, BSE, commission, board, tribunal or court or other law, rule or regulation making entity or competent authority.

d. “Investkraft Platform” shall mean and include Mobile App and Website under brand names Investkraft owned, operated, and managed, by Monetic and licensed to, utilized by its Group Entities.

e. “Investkraft Platform Services” - shall include services and products offered via Investkraft Platform including but not limited to distribution of Mutual Funds, facilitating in Fixed Deposits, Insurance related services, acting as digital lending platform, facilitating in digital savings account, tracking of your investments such as mutual funds, and expenses such as credit card bills etc.

f. “Third Party Service Provider(s)” means and includes company, vendors, business partners, banks & financial institutes or any such entity whose facilities are used by Company(s) to provide the various services including Investkraft Platform Services to Users through the Investkraft Platform.

g. “Terms” or “Terms and Conditions”- are interchangeably used and shall have the same meaning.

You hereby understand that, the specific products / services availed by You may have their own additional / supplemental terms and conditions as available on Investkraft Platform and You unequivocally grant Your consent to abide and remain compliant with the said additional and other terms and conditions. When You use any of the Investkraft Platform Services provided on the Investkraft Platform, You shall also be subjected to comply with applicable law(s), rule(s), guideline(s), notification(s), circular(s), or such other directive(s) issued by applicable Government Authority.

You acknowledge and understand that these Terms and Conditions along with additional / supplemental terms and conditions of Investkraft Platform Services shall be read harmoniously. Company reserves right change / amend / modify these Terms or the additional / supplemental terms and conditions applicable to Investkraft Platform services offered on the Investkraft Platform at any time, without notice.

TERMS AND CONDITIONS

By registering on Investkraft Platform and/or accessing the Investkraft Platform Services, you agree, declare and represent that:

a. You are 18 years of age or older and where you are acting as guardian on behalf of a minor, you have necessary authority to register / sign up for the Investkraft Plafrom Services on behalf of the minor. You hereby unconditionally and unequivocally agree to promptly furnish and/or execute such additional document(s) (as may be requested from time to time), to establish Yourself as lawful guardian and to continue Your access to Investkraft Platform including Investkraft Platform Services. If Company learns that, Company have inadvertently collected personal information from a person under age 18 years, Company will delete that information as quickly as possible. If you believe that a person under 18 years may have provided Us with personal information, please write us at care@Investkraft.com or support@Investkraft.com

b. You are capable of entering into legally binding contract and that You are not barred or otherwise legally prohibited to use Investkraft Platform (including any and all Investkraft Platform Services).

c. You hereby grant your explicit consent to fetch Your credit data from Credit Information Companies such as CRIF High Mark and/or Experian and disclose Your credit score to the Company. You permit to Company, to use your credit score to determine your eligibility for access to and/or for offering of various services in tie-up with Third Party Service Providers to improve your credit score.

d. You agree that you will be allowed to make any transaction through the Investkraft Platform When completing the KYC process, individuals are typically required to provide personal information such as their name, address, date of birth, and identification documents like a passport, Aadhaar card, or PAN card. This information is used to verify their identity and assess their risk level. It is important to comply with KYC guidelines as failure to do so may result in account closure, restricted account access, or legal consequences. Additionally, regulatory bodies may periodically update the KYC guidelines, and entities must ensure that they are complying with the latest regulations.

e. For availing various Investkraft Platform Services, You hereby grant your consent and permit Company to share your KYC information with its Group Entities, and/or with Third Party Service Providers offering you the various products and services, to enable them to immediately respond to your queries/interests. The collection, processing, storage, and sharing of your information is further governed by Company’s Privacy Policy.

f. You understand and agree that You shall only use the Investkraft Platform (including Investkraft Platform Services) for your personal use and purpose only. You shall always ensure that Your use of Investkraft Platform and/or reasons to avail Investkraft Platform Services shall be strictly for valid, lawful purpose. You shall remain fully responsible for all transactions placed / requested through your Investkraft Platform account.

g. You agree that transactions made through Investkraft Platform shall be through your own bank account only and the said transactions do not violate or contravene to any law for the time being in force including Income Tax Act, anti-money laundering laws, anti-corruption laws, prevention of money laundering act etc. and the rules made thereunder.

h. You shall be responsible to maintain confidentiality of your Investkraft Platform account including your log-in credentials & OTPs. In event, if Your device is lost or stolen, you shall be responsible to immediately undertake all necessary measures to secure your Investkraft Platform account i.e., by blocking your SIM, logging out your active session etc. You agree that, You shall also inform to the Company, on immediate basis, by writing at support@Investkraft.com and furnishing all relevant information to establish Your claim. This would enable Company to block your Investkraft Platform account. Company will use commercially reasonable efforts to block / suspend your Investkraft Platform account, however, You understand that Company is merely facilitating you to secure your account on good-faith basis and as such Company assumes no responsibility or liability towards any losses, frauds, unauthorized transactions that may happen or you may suffer under your Investkraft Platform account.

i. You shall not do or attempt to do any of the following acts: (i) impersonate any person or entity, or falsely stating your age or affiliation with any person or entity; (ii) posts any third-party intellectual property rights or other property rights infringing contents; (iii) act in violation or contravention to any law for the time being in force; reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of Investkraft Platform or any part thereof; (iv) engage in, post, or transmit any message which is libellous, defamatory, pornographic, vulgar or offensive in nature or otherwise inconsistent with or contrary to the laws in force;You shall not do or attempt to do any of the following acts: (i) impersonate any person or entity, or falsely stating your age or affiliation with any person or entity; (ii) posts any third-party intellectual property rights or other property rights infringing contents; (iii) act in violation or contravention to any law for the time being in force; reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of Investkraft Platform or any part thereof; (iv) It is important to adhere to laws and regulations related to online communication, which may vary depending on your location. In general, it is considered inappropriate and potentially illegal to engage in behaviour that is libellous, defamatory, pornographic, vulgar, or offensive in nature. Such behaviour may harm other individuals, damage reputations, or violate community standards. The information You provide when You register on the Investkraft Platform is complete, true, correct, updated, accurate and belongs to You. In the event, Your information is not accessible online, and You wish to change, modify, update, or delete Your personal information or other information that You may have provided, please contact us immediately at support@Investkraft.com or care@Investkraft.com

j. You shall remain responsible to notify to the Company of any material change in your personal information and/or profile. Company may be entitled to rely on the recent information provided by You.

k. You agree to be contacted by Company (including its employees, representatives, officers, partners etc.), Third Party Service Providers over phone and/or e-mail and/or SMS/and or push notifications or any other form of electronic communication in connection with your registration, advisory and transactions. This consent overrides any registration for DNC/NDNC. You agree and confirm that if your mobile number is registered in the Do Not Disturb (DND) list of TRAI, you may not receive SMS from Investkraft. You agree to take steps to deregister from the DND list and shall not hold Investkraft liable for non-receipt of SMS. You can always opt to stop receiving any or all such communications by writing to support@Investkraft.com . You can also delete Your account at any point of time by writing to support@Investkraft.com or by visiting the delete account section on the Investkraft Platform.

l. Company will make best efforts to provide alerts via SMS/e-mail/Whatsapp/push notifications and it shall be deemed that You shall have received the information sent from Company as an alert on the mobile phone number or e-mail id furnished by You on Investkraft Platform or availing any Investkraft Platform Services. You hereby unequivocally grant Company the right and authority to use your contact details as furnished by You at the time of registering on Investkraft Platform as your primary, valid and default communication address for any and all Investkraft Platform Services. Company shall not be under any obligation to confirm the authenticity of the person(s) receiving the alert. You cannot hold Company liable for non-availability of the SMS/email alert/push notifications service in any manner whatsoever.

m. You further understand that the SMS/e-mail alert/ Whatsapp/push notification service provided by Company is an additional facility provided for Your convenience and that it may be susceptible to error, omission and/or inaccuracy. In the event, You observe any error in the information provided in the alert, You shall immediately inform Company about the same by and We will make best possible efforts to rectify the error as soon as possible. You shall not hold us liable for any loss, damages, claim, expense including legal cost that may be incurred/suffered by You on account of the SMS/e-mail alert/push notification facility.

n. You understand that the Company will be relying on Third Party Service Provider(s) to enable SMS/e-mail alert/Whatsapp/push notifications/OTP. The readability, accuracy, timely delivery is / are subject to multiple factors including the infrastructure and connectivity at Third Party Service Provider(s) end. company is not providing any guarantee or assurance for timely delivery of their products or services. It also indicates that the company will not be held responsible or liable for any non-delivery, delayed delivery, or any other issues related to message delivery or alerts. It is disclaimer of liability, which is a legal statement that aims to limit or exclude the liability of a company or organization for any losses or damages that may result from their products or services. This may limit the company's liability, it does not absolve them of their responsibility to deliver products and services in a reasonable and timely manner. If the company consistently fails to deliver on its promises, customers may seek alternative solutions or take legal action.

o. You understand that You shall be responsible for maintaining the confidentiality of your Investkraft Platform account information and You are fully responsible for all activities that occurs under Your Investkraft Platform account. You also agree to always keep your login credentials safe, secure and confidential. You further agree to immediately inform Company, in case of any actual or suspected unauthorized use of Your Investkraft Platform account. You shall continue to be responsible for the transactions in your Investkraft Platform account, if you knowingly or negligently (i) grant any other person access to your account, (ii) permit any other person to transact on account, or (iii) transact on any other person’s behalf or directions in any manner whatsoever. Company shall not be liable for any losses or damages arising from Your failure to comply with these provision(s).

p. You acknowledge that the software and hardware underlying the application as well as other Internet related software which are required for accessing the application are the legal property of either Company or Third Party Service Providers. The permission given by Company to access the Investkraft Platform will not convey or grant any proprietary or ownership rights in the above software/hardware.

q. You understand and accept that not all the products and services offered on or through the Investkraft Platform are available in all geographic areas and/or to our entire user base. You may not be eligible for all the products or services offered by Company or Third Party Service Provider(s) on the Investkraft Platform. Company and such Third Party Service Provider(s) reserve the right to determine the availability and eligibility for any product or service offered via Investkraft Platform.

r. The Company is not responsible for the availability of content or other services on third party sites linked from Investkraft Platform. the disclaimer regarding the use of hyperlinks and the potential risks involved. The disclaimer emphasizes that the content, accuracy, opinions expressed, and other links provided by third-party sites are not verified, monitored, or endorsed by the Company. Users are advised to read the terms of use, privacy policy, and other conditions of such third-party sites before accessing or registering with them. The Company also disclaims all warranties, express or implied, regarding any information or content provided by third-party sites., those of merchantability and fitness for a particular purpose, title or non-infringement with respect to any information or services or products that are available or advertised or sold through these third-party platforms.

s. You agree that You will not use the Investkraft Platform for any purpose that is unlawful or prohibited by these Terms. You also agree You will not use the Investkraft Platform in any manner that could damage, disable or impair the application or interfere with any other party’s use, legal rights, or enjoyment of the application. You hereby represent and warrant that you shall make use of the Investkraft Platform as a prudent, reasonable and law-abiding citizen and you shall comply with relevant applicable laws.

t. Company reserves the right in its sole discretion to delete, block, restrict, disable, suspend your account or part thereof. If User is found engaging in any fraudulent / illegal activities including but not limited to the following activities i.e., abusing any of the representatives of the organization, indulge in fraudulent activities on the Investkraft Platform, using mass media and/or bots to engage with the platform, using mass media and/or bots to malign the organization’s reputation these activities may be referred to appropriate legal authority for a legal recourse, violation of these terms and conditions.

u. The Company has engaged Third Party Service Providers for payment gateway services, account aggregator services etc. The engagement of these Third-Party Service Providers is to facilitate users to conduct transactions seamlessly and securely on Investkraft Platform. However, Company assumes no responsibility or liability in any manner whatsoever, for any delayed or non-processing of transactions. You understand that Company and/or partnered financial institutes shall be well within its rights to not to act and/or suspend the services if the transaction is not successful or delayed credit of transactions takes place. You understand and accept the risk associated with processing of online transactions and agrees that Company shall not in any manner whatsoever be responsible to You for any losses, cost, interest, penalties, levies, charges or such amount that may be recoverable from you due to delay in or non-processing of transaction is levied. It is advised that, You should diligently keep track of all your payments are done in timely and successful manner.

v. Investkraft Platform offers services to its users which includes, without limitation to transactions in securities, or financial products, and/or advice on investment portfolio containing securities or investment products.

Services

a. Please also note that there are other financial products and services, such as loans, fixed deposit creation, insurance, savings bank account etc. manufactured and/or distributed by third party service providers, offered by or through the Investkraft Platform. However, it is hereby expressly clarified that any or all interaction, communication, dealing, or transaction between you and such Third Party Service Provider(s) in respect of availing of any products/services offered by said Third Party Service Provider(s) forms a separate and independent transaction between the you and such Third Party Service Provider(s) without any liability accruing to or on Company for any matters arising out of or in relation to Third Party Service Provider(s) (including their products / services) act, conduct, omission, negligence, default, breach of confidentiality, breach of applicable laws, discharge of obligations etc..

b. You hereby agree and acknowledge that all Your decisions, notwithstanding the services rendered by Company, in relation to buy, sell, hold or otherwise deal in the investment securities shall be based on Your own independent evaluation of the risks and rewards of the investments and on Your own verification of all the relevant facts, including financial and other circumstances and a proper evaluation thereof.

c. Neither Company nor any of our directors, employees or agents shall be liable for any advice or representation made by it/him/her hereinunder and it will be Your responsibility to make an independent assessment pursuant to the availing/using of the Investkraft Platform/Services or availing any product or services from the Third-Party Service Provider(s).

d. You acknowledge and agree that Company do not guarantee that availing of the services from the Investkraft Platform will result in profits or avoid losses or meet the objectives, including Your investment objectives, or that availing / using of the services / Investkraft Platform will not at any time be affected by adverse tax consequences, technical failures, timely regulatory compliance to a new law. Company shall not be liable to You for any error of judgement or loss suffered by You in connection with the services provided to you.

e. Company does not disburse loans on its own, but merely enables You to compare the best possible options and apply for loans to various banks and NBFCs (Non-Banking Financial Corporation) in the Indian market. You understand and acknowledge that the loan rates may vary from bank to bank and is dependent on your credit profile and the loan/policies/scheme you decide to opt for. Company has nothing to do with the rates offered by Banks/NBFCs.

f. You agree and understand that by availing the Services You shall be bound by our Privacy Policy and your information provided on the Investkraft Platform shall be shared with our Group Companies and business partners.

CONFIDENTIALITY

You acknowledge that, in the course of Your relationship with Company and in using the services, you may obtain information relating to the services and/or Company (“Proprietary Information”). the proprietary information related to the Services belongs solely to the Company. The statement lists various types of information that fall under the category of Proprietary Information, including trade secrets, know-how, inventions (whether or not patentable),techniques, processes, programs, ideas, algorithms, schematics, testing procedures, software design and architecture, computer code, internal documentation, design and function specifications, product requirements, problem reports, analysis and performance information, benchmarks, software documents, and other technical, business, product, plans and data. In regard to this Proprietary Information:

a. You shall not use (except as expressly authorized by this Agreement) or disclose Proprietary Information without the prior written consent of Company unless such Proprietary Information becomes generally publicly available without your breach of this Agreement.

b. You agree to take reasonable measures to maintain the Proprietary Information and Services in confidence.

USE AND PROTECTION OF INTELLECTUAL PROPERTY RIGHTS

Investkraft Platform is protected by copyright, trademarks, patents, trade secret and/or other relevant intellectual property laws. No information, content or material from Investkraft Platform may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without Company's express written permission. You are hereby given a limited licence to use the Investkraft Platform for your personal and non-commercial use, subject to your agreement of these Terms. You agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the Investkraft Platform.

PRIVACY

You agree that during your use and access of the Investkraft Platform and/or availing of the services offered by the Investkraft Platform, you will provide us with certain information and other data as mentioned under these Terms herein which may or may not be otherwise publicly available. Investkraft Platform is committed to protecting the privacy and confidentiality of the personal data and information provided by users of their platform. The provisions regarding the handling of such private information are governed by the Investkraft Platform's Privacy Policy, which is available on their website at https://www.Investkraft.com/privacy-policy. the privacy policy of any platform or website that you use, to ensure that you are aware of how your personal information is being collected, used, and protected. If you have any concerns or questions about the Investkraft Platform's privacy practices, you may wish to contact their customer support team or review their privacy policy for more information.. By using and visiting the Investkraft Platform and availing Investkraft Platform Services, you also agree to our Privacy Policy and the information provided on the Investkraft Platform shall be shared within our Group Entities and business partners. We value the customer privacy, So under such circumstances where customer raise a request to delete their information which may provided wrongly or without customer consent or customer wants to delete by own to avoid any marketing or other activity can be accessed by Grievance and Management, Post approval information will be deleted by Investkraft.

LIMITATION OF LIABILITY, INDEMNITY, AND WARRANTY

a. In no event shall Company or its directors, employees, associates, partners, or suppliers will be liable to you for any loss or damage that may cause or arise from or in relation to these terms and conditions or due to use of this Investkraft Platform or due to investments made using this Investkraft Platform or availing any product or services from any third-party service provider.

b. You agree to indemnify Company or its directors, employees, associates, partners or suppliers for all the liabilities (including claims, damages, suits or legal expenses in defending itself in relation to the foregoing) arising due to (i) use or misuse of the Investkraft Platform (ii) non-performance and/or non-observance of the duties and obligations under these terms and conditions or due to your acts or omissions (iii) any act, neglect, misconduct or fraud on your part.

c. You warrant that all the details and information provided by you to Company or its directors, employees, associates, partners, or suppliers while using this Investkraft Platform (including for the purposes of carrying out investments) shall be updated, correct, accurate, complete and genuine.

d. You shall be solely responsible for any investment decision taken by You on the Services and Company shall not be liable for any loss or damage caused to you or other users of this Investkraft Platform due to such investment decision, or any kind of reliance upon it. You expressly agree that use of the Investkraft Platform is at your sole risk.

e. To the fullest extent permissible pursuant to applicable law, Company and its directors, employees, associates, third-party partners or suppliers disclaim all warranties or guarantees – whether statutory, express or implied – including, but not limited to, implied warranties of merchantability, fitness and non-infringement of proprietary rights. No advice or information, whether oral or written, obtained by you from Company or through the Investkraft Platform will create any warranty or guarantee other than those expressly stated herein.

CONSIDERATION

The usage of the Investkraft Platform is entirely free however the Company have the right to charge its Users a fee for availing services and/or other fees, as applicable for any specific product / services been offered on Investkraft Platform. The applicable fees will be made available at the time of registration and/or on its applicability and/or under the relevant product / services section. Company may change fee structure as it determines in its sole discretion from time to time and notice regarding the same shall be intimated to you adequately in advance prior to such change in fee structure. all charges and fees associated with the services provided by the entity or platform in question (which is not specified in your statement) are exclusive of taxes, and any applicable government taxes such as GST (Goods and Services Tax) will be payable by the user. Furthermore, the charges and fees that are applicable to the services provided by this entity or platform are non-transferable, non-refundable, and non-cancellable in nature, according to the terms and conditions or policies governing the use of the services. It is important to carefully review and understand the terms and conditions or policies governing the use of any platform or service, particularly with regard to fees and charges, to avoid any potential misunderstandings or disputes in the future. If you have any questions or concerns about the fees or charges associated with a particular service, you may wish to contact the customer support team or review the platform's policies for more information..

SHIPPING POLICY

The users are hereby notified that all or any of the information (such as: Acknowledgement of Mutual fund booked; soft copy of insurance policy document; copy of provisional fixed deposit receipts, invoices pertaining to services such as membership services, withdrawal charges, pertaining to the products purchased via Investkraft Platform will be delivered to them on their registered email id. If required or mandated under applicable law, Company may be required to dispatch certain documents physically to Your registered address. You agree to always keep Your personal information up to date to avoid any chances of non-delivery of information and that Company shall be entitled to act upon most recent details furnished by You.

DISCLAIMERS

The user agrees and understands that the investkraft platform is provided by us on an “as is” and “as available” basis and we make no representations or warranties of any kind, express or implied, as to the operation of the investkraft platform or the information, content included on the investkraft platform. You expressly agree that your use of the investkraft platform is at your sole risk.

To the fullest extent permissible by applicable law, we disclaim all warranties, express or implied. We do not warrant that the investkraft platform, its servers, or email/ other communication sent from the investkraft platform are free of viruses or other harmful components. We will not be liable for any damages of any kind arising from the use of the investkraft platform, including, but not limited to direct, indirect, incidental, punitive and consequential damages.

All investments are subject to market risks. Read all scheme related things carefully. Past performance is not an indicator of future returns.

All interaction, communication, dealing, or transaction between the users and the third-party provider in respect of any products/services offered by the third-party provider is a separate and independent transaction between the user and such thirdparty provider without any liability accruing to or on us for any matters arising out of or in relation to the same. The user expressly agrees and acknowledges to hold harmless us in respect of any cost, claims, damage, loss or expenses accrued, suffered, incurred by us or any third party arising out of or in connection with any such communication, interaction, dealings and transactions between the user and third-party providers. The user acknowledges that not responsible for any outcomes that may arise from dealings, transactions, or interactions between users and third-party providers. the entity does not have control over such dealings and transactions and is not involved in the performance of the same. Therefore, the entity will not be held liable for any consequences that may arise from such communication, interaction, dealings, and transactions between the users and the third-party providers. We do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third-party provider in any manner and we will not be a party to or in any way be responsible for any transaction between you and such party provider. As with the purchase of a product or service through any medium through such third-party provider, you should use your best judgment and exercise caution where appropriate.

The connector service for us stocks account and the transaction facilitation services for insurance product, fixed deposit products are provided Monetic Technologies private limited. All disputes with respect to the transaction facilitation services, would not have access to indian exchange investor redressal forum or arbitration mechanism.

The logos/ trademarks advertised in the platform are the property of respective trademark owners and by displaying it has no right, title, interest over it. The user expressly agrees that Investkraft is not liable or responsible and does not represent or warrant for any damages / any loss of interest and/ or opportunity loss and /or any loss arising due to movement of net asset value (nav), notional or otherwise due to non-execution of orders or any incorrect execution of orders with regard to the mutual funds chosen by the user due to, but not being limited to, any link/system failure, sufficient/insufficient funds in the user’s bank account which may occur at user’s end. Mutual fund investments are subject to market risks, read all scheme related documents carefully. This is in no way to be considered as an advice or recommendation. Mutual funds transaction facilitation services are provided Monetic Technologies Private Limited in partnership with bse star mf platform. Past performance is not indicative of future returns. Performance and returns of any investment portfolio can neither be predicted nor guaranteed.

Mutual fund investments are not exchange traded services. Monetic Technologies Private Limited acts in the capacity of facilitator of this product. Investkraft is only providing technology services and all disputes with respect to mutual fund investments would not have access to investor redressal or arbitration mechanism in india.

Investkraft accept no liabilities for any loss or damage of any kind arising out of any action by the user.

FORCE MAJEURE

"Force Majeure" event, which is usually defined as an event beyond the control of the parties involved, such as natural disasters, acts of terrorism, or government action, the company providing the services or facilities will not be held liable for any failure to perform its obligations under the agreement. The purpose of this clause is to protect the company from any claims or damages that may arise due to circumstances outside of their control, and to ensure that the parties involved can renegotiate the terms of the agreement once the Force Majeure event has passed and in such case its obligations shall be suspended for so long as the Force Majeure event continues. “Force Majeure Event” means any event, due to any cause beyond the reasonable control of Company, including without limitations, unavailability of any communication systems, breach, or virus in the digital processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, lockdown, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.

SEVERABILITY

The clause generally means that if any provision in the agreement is deemed illegal, invalid or unenforceable under the law of a particular jurisdiction, it will not affect the validity or enforceability of that provision in any other jurisdiction or the validity or enforceability of any other provision in the agreement. This clause is intended to ensure that the agreement remains enforceable to the fullest extent possible, despite any legal challenges that may arise. It helps to prevent one invalid provision from invalidating the entire agreement or any other provisions that may be valid.

WAIVER

No failure on the part of any party to exercise, and no delay on its part in exercising any right or remedy under this Agreement will operate as a waiver thereof, nor will any single or partial exercise of any right

ASSIGNMENT

You agree that we may transfer, subcontract or otherwise deal with our rights and/or obligations under these terms at any time without any further notice. You agree that you cannot assign or otherwise transfer, subcontract the terms or any rights granted hereunder to any party.

DISPUTE RESOLUTION

Any dispute, controversy, claims or disagreement of any kind whatsoever between the parties in connection with or arising out of this Agreement shall be referred for arbitration, to a sole arbitrator appointed by Company, through arbitration to be conducted in accordance with the Arbitration and Conciliation Act, 1996. The seat and venue of such arbitration shall be at New Delhi, India. All proceedings of such arbitration, including, without limitation, any awards, shall be in the English language. The award shall be final and binding on the parties

GOVERNING LAWS

These Terms shall be governed, interpreted, and construed in accordance with the laws of India, without regard to the conflict of law provisions and for resolution of any dispute arising out of your use of the Services or in relation to these Terms. The provision states that the company has the right to initiate legal proceedings in any court or forum of competent jurisdiction, and the other party agrees to submit to the jurisdiction of such courts or forum. It also specifies that any legal proceedings initiated by the other party should be exclusively before the courts in New Delhi, India. It is essential to read and understand the terms and conditions of any agreement or contract before entering into it. If you have any doubts or concerns regarding the provision, it is advisable to seek legal advice from a qualified attorney..

ENTIRE AGREEMENT

These Terms, together with the other laws, guidelines, rules, (additional / supplemental) terms & conditions and/or policies of the Investkraft Platform, including the Privacy Policy and any other arrangement/agreement in relation the Services, including all agreement constitute the entire agreement between the User and the Us and supersede all previous agreements, promises, proposals, representations, understandings and negotiations, whether written or oral, between the User and Us pertaining to the subject matter hereof.

SURVIVAL

Notwithstanding the termination or rescission of this Agreement, the provisions of this Agreement shall continue to apply to those duties and obligations which are intended to survive any such cancellation, termination or rescission, including, without limitation clauses related to Limitation of liability, Indemnity, Warranty, Intellectual Property, Confidentiality, Dispute Resolution, Governing Law and Jurisdiction. Further any provisions of this Agreement which by implication are to survive the termination of this Agreement shall survive such termination. Termination of the Agreement shall not abate the causes of action that have accrued to the parties prior to such termination.

USER SUPPORT

Company shall provide assistance and co -ordinate with the Users in case of any issues / queries raised by the User and shall resolve the queries on the best effort basis. The User can address their queries by writing and delivering their concern via email to support@Investkraft.com or any updated email address displayed under the Customer Service page www.investkraft.com on the Investkraft Platform.

MODIFICATION OF TERMS

Company reserves the right to change, amend, or modify, from time to time, any provision related to the Investkraft Platform (including Investkraft Platform Service(s)) or these Terms, which also include, changing of the extent and scope of the services and/or include any other category, service, facility or feature within the term ‘Investkraft Platform Service’, at the sole discretion of the Company. Any such change(s) shall be effective immediately upon the posting of revised Terms and may be notified via Investkraft Platform. You can determine when these Terms were last revised by referring to ‘LAST UPDATED’ at the top of these Terms. By using the services provided through this Investkraft Platform, you shall be deemed to have accepted the Terms herein including the amended Terms published on the Investkraft Platform from time to time. Your continued use of the Investkraft Platform following the posting of changes means that you accept and agree to the changes. If you do not agree with any such change, your sole and exclusive remedy is to terminate your use of the Investkraft Platform. It is, further, clarified that the User’s use and access of the Investkraft Platform/Service(s) is subject to the most recent version of these Terms made available on the Investkraft Platform at the time of such use.