This Terms of User Agreement (“User Agreement”) lays out the terms and conditions for governing the user’s access and use of services on the Website/ Mobile Application including any other sub-domain or platform which is owned, developed, managed or operated by INVESTRA SOLUTIONS PRIVATE LIMITED, and/or its affiliates (hereinafter referred to as “Website”). By using or accessing the Website, using the services, the User accepts and agrees to be bound by the Terms of Use. If the User does not agree with the Terms of Use then the User may immediately exit the Website.
In terms of the Information Technology Act, 2000, this document is an electronic record, being generated by a computer system, and it does not require any physical or digital signature. Your acceptance of the terms and conditions shall be considered as your consent to use the App, the Website, the services and products (collectively referred to herein as “Services”) provided by INVESTRA in accordance with the terms and conditions laid down by INVESTRA.
About INVESTRA SOLUTIONS
INVESTRA SOLUTIONS is engaged in the business of financial product distribution and allied services. INVESTRA’s legal sister company PEARL FINANCES is registered with AMFI and INVESTRA is registered with APMI in accordance with the applicable laws. For every other purpose, including distribution of non-mutual fund products, all material displayed on the Website is for informational purposes only. Further, it is not intended as investment advice or an opinion concerning securities or a public offer proving a basis for an investment decision. No material /information contained on the Website constitutes or shall be interpreted as investment advice, offer, solicitation or advertising with respect to the purchase or sale of any security and no part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. INVESTRA may also be engaged in ‘distribution only’ of other financial and investment products, including but not limited to portfolio management products, bank and corporate fixed deposits, bonds, gold bonds, convertible debentures, debentures, national pension scheme and loan products, etc, as available/ offered on primary and secondary security markets and/or in direct arrangement with such third parties issuing/providing such products. Each of such activities is done independently. INVESTRA do not provide any advice with respect to such products and the activity is strictly restricted to distribution only under extant applicable laws. INVESTRA do not provide any investment advisory services w.r.t. such non-mutual fund products and any information provided thereof should not be relied upon while making an investment in such investment products.
Interpretation
The words, “him”, “his”, “You”, “Your”, “Client”, “User” “Investor”, “Subscriber” and “Customer” refer to the person(s) who use and avail the Services and Products of INVESTRA SOLUTIONS Website / App and shall include both singular and plural. All headings, bold typing and italics (if any) have been inserted for convenience of reference only and do not define, limit or affect the meaning or interpretation of the terms contained herein.
These terms shall constitute a binding contract between INVESTRA SOLUTIONS and you when you download the App or use the services on the Website and/or the App or use its Services on any other platform managed by INVESTRA SOLUTIONS and shall be referred to herein as the “Agreement”. Downloading and installing the App or using the services of the Website or the App shall be deemed to constitute sufficient proof that you have read, understood and accepted these terms.
By accessing the Website, downloading the app or the usage of the services the User acknowledges to have read, understood and agrees to be legally bound by this User Agreement. INVESTRA SOLUTIONS reserves the right to change the terms and conditions at any time, without any notice. User’s continued use of the Website after the changes to the Terms are made shall be considered as acceptance from User for the changes.
This User Agreement contains important information regarding the Services that INVESTRA SOLUTIONS will provide to you, and for your own protection, the Users must read them carefully before accepting the same. If you do not agree to these terms contained herein, you must not proceed to use the Website, App or use the Services provided on the Website or App.
This User Agreement must be read in consonance with the privacy policy document or other such documents as may be applicable to a particular account/service/situation/circumstance/transaction.
Any reference to any statute, ordinance or other law includes all regulations and other instruments and all consolidations, amendments, re-enactments or replacements for the time being in force.
Without prejudice to any other specific requirement which may be laid out in this User Agreement and your use of the Website and the Services and specifically, your acceptance of these terms and conditions contained herein shall be deemed to be a representation from you that you are above 18 years of age, or possess legal parental or guardian consent, and are fully able, conscious and competent to enter into this User Agreement and make your investment decisions, execute the investment transactions, evaluate the advice, if any, and confirm to abide by and comply with the terms set forth herein. The User agrees that any transactions carried out through the Website shall be subject to the provisions contained in the respective Scheme Information Documents and/or Statement of Additional Information and/or Key Information Memorandum, as and when updated by relevant addenda.
Usage/Registration / Enrolment and Termination
The Users shall only be allowed to avail the Services on the Website after the User completes the KYC, Investment Readiness and Information Verification process and provides the complete personal information in accordance with the Know Your Client (“KYC”) guidelines issued by the Securities and Exchange Board of India (“SEBI”) and/or any other regulatory / government agencies or authorities from time to time.
INVESTRA may use your personal information and in order to provide services to you, your personal information may be processed or transferred or disclosed to and/or by third parties like AMC’s, statutory bodies or agencies, or third-party service providers & partners etc wherever necessary to enable us to provide better services to you. If you do not agree with the terms of this User Agreement, we suggest you do not sign-up or avail of any Services offered by INVESTRA SOLUTIONS.
NOT an Investment Advice
The information on the Website is provided for information only and does not constitute, and should not be construed as, investment advice or a recommendation to buy, sell, or otherwise transact in any investment including any products or services or an invitation, offer or solicitation to engage in any investment activity. The information on the Website is provided solely on the basis that you will make your own investment decisions and INVESTRA does not take account of any investor’s investment objectives, particular needs, or financial situation. In addition, nothing on this Site shall, or is intended to, constitute financial, legal, accounting or tax advice. It is strongly recommended that you seek professional investment advice before making any investment decision. Any investment decision that you make should be based on an assessment of your risks in consultation with your investment adviser.
Investment Risks
There are significant risks associated with an investment in any products or services provided by INVESTRA. Investment in the products and services is intended only for those investors who can accept the risks associated with such an investment (including the risk of a complete loss of investment) and you should ensure you have fully understood such risks before taking any decision to invest. These Terms do not represent a complete statement of risk factors associated with an investment in any of the products. The offering documentation contains risk warnings which are specific to the relevant products. You should consider these risk warnings carefully and take appropriate investment advice before taking any decision to invest.
Proprietary Rights, Copyrights & no retransmission of information:
All rights, title and interest in the Website and any content, as well as the design and information contained in the Website contained herein, is the exclusive property of INVESTRA, except as otherwise stated. INVESTRA is the sole owner of all the intellectual property including all rights in trademarks, marks, logos, symbols, copyright works, reports, diagrams, patents, designs created or held in the Products, Services, websites etc including but not limited to the domain names, the source codes, the database etc.
No material /information contained on the Website constitutes or shall be interpreted as investment advice, offer, solicitation or advertising with respect to the purchase or sale of any security and no part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever.
The Website is only for your personal and non-commercial use and for no other purpose.
General Information
All material on the Website accessible without the use of any login, including but not limited to all information, online tools, articles, publications, literature, interviews, mutual fund reports, third-party reports, research insights, etc, are freely available to the public. Nothing shall be construed as investment advice or any client-specific recommendations. Please note that the views expressed, if any, in any of these materials on the Website, are to be interpreted as general comments in good faith in regard to trends in the financial or securities market or the economic situation and such views are not specifically in the context of any particular security or investment product and hence, such communication should not be treated as investment advice. INVESTRA shall not be held responsible for any views, personal opinions or data shared by third-parties being interviewed /quoted and published in any format on the Website and that the same shall be considered as personal views/opinion of such third-parties. Further, INVESTRA does not claim responsibility for reports, publications released by third parties and INVESTRA’s role is limited to only serve as a platform to share them with the public in good faith.
Service Delays
INVESTRA reserves its right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on the Website and to suspend and/or deny access to the Website for scheduled or unscheduled maintenance, upgrades, improvements or corrections. INVESTRA may discontinue or change any product or service or online user accounts described in or offered on its Website or in any modules or parts thereof at any time if deemed fit and proper. INVESTRA (including its directors, employees, affiliates, agents, representatives or subcontractors) shall not be liable for any loss or liability resulting, directly or indirectly, from delays or interruptions due to electronic or mechanical equipment failures, telephone internet connection problems, pandemic, defects, weather, strikes, walkouts, fire, riots, armed conflicts, acts of war, or other like causes. INVESTRA shall have no responsibility to provide you access to the Website while interruption of the Website is due to any such cause as mentioned above shall continue.
Indemnification
YOU SHALL INDEMNIFY, DEFEND AND HOLD HARMLESS INVESTRA (including its and their officers, directors, employees, affiliates, group companies, agents, representatives or subcontractors) from any and all claims and losses imposed on, incurred by or asserted as a result of or related to: (a) your access and use of this Website (b) any non-compliance by user with the terms and conditions hereof; or (c) any third party actions related to users receipt and use of the information, whether authorized or unauthorized. Any clause declared invalid shall be deemed severable and not affect the validity or enforceability of the remainder. These terms may only be amended in a writing signed by INVESTRA. If INVESTRA takes action (by itself or through its associate companies) to enforce any of the provisions of this Agreement, including the collection of any amounts due hereunder, INVESTRA shall be entitled to recover from you (and you agree to pay), in addition to all sums to which it is entitled or any other relief, at law or in equity, reasonable and necessary attorney’s fees and any costs of any litigation.
Change of Terms and Conditions
INVESTRA has the absolute discretion to amend or supplement any of the terms of the Website at any time. INVESTRA may introduce new services or withdraw any of the existing services, whenever considered necessary. The existence and availability of the new functions will be notified to the User as and when the same become available. By using these new services, the User agrees to be bound by the applicable terms and conditions. The User shall be responsible for regularly reviewing these terms including amendments thereto as may be posted on the Website. If in the opinion of the User, the changes are to their disadvantage, the Customer may at its discretion opt to suspend the services provided by INVESTRA.
Jurisdiction
The usage of the Website and the terms of this User Agreement are exclusively based on and subject to Indian laws. The User hereby consents to the exclusive jurisdiction and venue of courts in India in all disputes arising out of or relating to the use of the Website. Use of the Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.