Website and Platform Terms of Use

1. About FinEdge

FinEdge is the operating brand of Financial Edge Fintech Private Limited.

Financial Edge Fintech Private Limited is registered with AMFI as a Mutual Fund & SIF Distributor under ARN 83676.

FinEdge is not registered as a SEBI Registered Investment Adviser, or RIA.

2. Scope of These Terms

These Terms apply to:

• use of the FinEdge website;
• use of FinEdge mobile applications, if applicable;
• access to Dreams into Action, or DiA;
• use of Advisor Central-supported client servicing workflows;
• enquiry forms, calculators, tools, blogs, FAQs, and educational content;
• client onboarding and service interactions;
• communication through calls, email, WhatsApp, SMS, or other channels;
• mutual fund distribution, transaction support, portfolio review support, reporting, and service assistance.

Additional forms, declarations, consent documents, transaction terms, AMC documents, exchange platform terms, RTA terms, and regulatory documents may also apply.

3. Eligibility

By using FinEdge’s website or services, you represent that:

• you are legally competent to enter into a binding agreement;
• the information you provide is accurate and complete;
• you will use the website and services only for lawful purposes;
• you will comply with applicable Indian laws and regulations;
• where you act on behalf of another person, minor, entity, trust, or family member, you have valid authority to do so.

FinEdge reserves the right to decline or discontinue services where eligibility, documentation, KYC, regulatory requirements, or internal checks are not satisfied.

4. Nature of Services

FinEdge provides mutual fund distribution support, investment support, goal-based planning assistance, portfolio review support, reporting, service assistance, and technology-enabled investing support.

FinEdge’s services may include:

• understanding financial goals;
• assisting with goal-based investing journeys;
• supporting mutual fund investments through regular plans;
• helping structure portfolios;
• facilitating transactions through authorised infrastructure;
• providing portfolio visibility and review support;
• assisting with service requests;
• providing educational and informational content;
• supporting ongoing engagement through Investment Managers.

FinEdge does not provide guaranteed returns, fixed-income promises, capital protection, market timing assurance, or market-beating guarantees.

5. Regular Mutual Fund Plans

FinEdge offers mutual fund investments through regular plans.

In regular mutual fund plans, the cost of distribution, advice support, service, reporting, reviews, technology access, and ongoing engagement is embedded in the mutual fund expense structure.

FinEdge receives distribution commissions from AMCs as part of this regulated expense structure.

Clients do not pay FinEdge a separate advisory fee for mutual fund investment support.

6. No Custody of Client Money

FinEdge does not take or hold client money in its own name.

Mutual fund investments made through FinEdge are made in the investor’s own name and processed through authorised mutual fund transaction infrastructure.

Payments are routed through authorised channels to the respective AMCs.

FinEdge does not operate as a bank, wallet, pooled investment account, deposit-taking entity, or custody platform.

7. Transactions and Third-Party Platforms

Mutual fund transactions may be processed through authorised platforms and service providers such as:

• AMCs;
• RTAs;
• BSE StAR MF;
• MF Central;
• banks;
• payment gateways;
• KYC agencies;
• OTP providers;
• other regulated or authorised infrastructure.

FinEdge may assist in facilitating transactions, but transaction acceptance, processing, allotment, rejection, reversal, NAV applicability, payment confirmation, KYC status, folio creation, statement generation, and settlement may depend on third-party platforms, AMCs, RTAs, banks, or regulatory systems.

FinEdge is not liable for delays, failures, rejections, downtime, incorrect data, or errors caused by third-party infrastructure or external service providers.

8. User Responsibilities

You agree to:

• provide accurate, complete, and updated information;
• verify all transaction details before confirmation;
• read all scheme-related documents before investing;
• maintain confidentiality of passwords, OTPs, login credentials, and devices;
• notify FinEdge promptly of unauthorised access or incorrect information;
• update changes in contact details, bank details, tax status, nominee details, and KYC information;
• comply with all applicable laws and regulations;
• not misuse the website, platforms, tools, communication channels, or services.

FinEdge will not be responsible for losses arising from incorrect information, delayed updates, unauthorised access due to user negligence, or failure to review transaction details.

9. Investment Risks

Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully.

Past performance is not a guarantee of future returns.

Investment value may rise or fall. Returns may vary across time periods and may be affected by market conditions, interest rates, credit risk, liquidity risk, economic conditions, fund manager decisions, regulatory changes, and other factors.

FinEdge does not guarantee returns, goal achievement, capital protection, or any fixed outcome.

10. Website Content, Tools, and Calculators

Content available on the FinEdge website, including blogs, FAQs, videos, calculators, tools, presentations, and educational material, is provided for informational purposes only.

Such content should not be treated as personalised investment advice, tax advice, legal advice, or a recommendation to buy, sell, switch, or redeem any investment product.

Any personalised investment support should be based on your goals, financial situation, time horizon, risk requirement, suitability, and applicable regulations.

Calculators and projections are illustrative in nature and may be based on assumptions. Actual outcomes may vary.

11. Use of AI and Technology

FinEdge may use technology, automation, analytics, and AI-assisted tools to support:

• service quality;
• portfolio review preparation;
• communication quality;
• operational workflows;
• relationship continuity;
• internal checks;
• prioritisation;
• pattern identification.

AI does not independently recommend funds, replace Investment Managers, predict market returns, guarantee outcomes, or make autonomous investment decisions on behalf of clients.

The human Investment Manager remains central to the client relationship.

12. Communication Consent

By submitting your details or interacting with FinEdge, you consent to being contacted through:

• phone calls;
• email;
• WhatsApp;
• SMS;
• app notifications;
• video calls;
• other digital or offline communication channels.

Communication may relate to enquiries, onboarding, transactions, service requests, portfolio reviews, reports, reminders, educational material, platform updates, compliance, and relationship management.

Calls and digital communications may be recorded, stored, monitored, or analysed for service quality, training, compliance, dispute resolution, and internal governance.

You may opt out of non-essential promotional communication, but service, transaction, compliance, and account-related communication may continue where required.

13. Account Access and Security

If you are provided access to any FinEdge platform, app, dashboard, or digital tool, you are responsible for maintaining the confidentiality of your login credentials, OTPs, passwords, and devices.

You agree not to share your access credentials with unauthorised persons.

Any action taken through your registered credentials, authorised device, registered mobile number, email ID, or communication channel may be treated as authorised by you unless you notify FinEdge of unauthorised access in a timely manner.

14. Intellectual Property

All intellectual property on the FinEdge website and platforms belongs to Financial Edge Fintech Private Limited or its licensors.

This includes:

• FinEdge brand assets;
• Dreams into Action / DiA;
• platform design;
• content;
• tools;
• calculators;
• graphics;
• processes;
• frameworks;
• videos;
• text;
• logos;
• software;
• workflows;
• technology architecture;
• proprietary methodologies.

You may not copy, reproduce, modify, distribute, reverse engineer, scrape, commercially exploit, or misuse any FinEdge content, platform, tool, process, or intellectual property without prior written permission.

15. Prohibited Use

You agree not to:

• use the website or platforms for unlawful purposes;
• impersonate another person;
• upload false, misleading, or harmful information;
• attempt unauthorised access;
• interfere with platform security;
• introduce viruses, malware, bots, scraping tools, or automated attacks;
• misuse content for commercial purposes;
• copy, scrape, or extract data without permission;
• use the platform in a way that harms FinEdge, its users, systems, vendors, or partners.

FinEdge may restrict, suspend, or terminate access if misuse is detected.

16. Platform Availability

FinEdge aims to keep its website and platforms available and functional. However, access may be affected by maintenance, upgrades, technical issues, internet failures, cyber incidents, third-party downtime, regulatory changes, or events beyond our control.

FinEdge does not guarantee uninterrupted, error-free, or always-available access to the website, platforms, tools, or services.

17. Third-Party Links and Services

The FinEdge website or platforms may contain links to third-party websites, AMCs, RTAs, payment gateways, KYC providers, regulatory platforms, or other external service providers.

FinEdge is not responsible for the content, policies, security, accuracy, service quality, downtime, or actions of third-party platforms.

Users should review applicable third-party terms and privacy policies before using such services.

18. Limitation of Liability

To the maximum extent permitted by law, FinEdge shall not be liable for:

• market losses;
• investment underperformance;
• failure to achieve financial goals;
• third-party platform errors;
• transaction delays or rejections;
• payment failures;
• incorrect information provided by the user;
• unauthorised access due to user negligence;
• loss of data due to events beyond reasonable control;
• indirect, incidental, consequential, special, or punitive damages.

Nothing in these Terms limits liability that cannot be excluded under applicable law.

19. Indemnity

You agree to indemnify and hold harmless FinEdge, its directors, employees, officers, representatives, service providers, and affiliates from any claims, losses, liabilities, damages, costs, or expenses arising from:

• breach of these Terms;
• misuse of the website or platforms;
• inaccurate or incomplete information provided by you;
• unauthorised use of another person’s information;
• violation of law;
• misuse of FinEdge’s intellectual property;
• actions taken based on your instructions or credentials.

20. Suspension or Termination of Access

FinEdge may suspend, restrict, or terminate access to the website, platforms, tools, or services where:

• required by law or regulation;
• KYC, documentation, or eligibility requirements are not met;
• suspicious or unauthorised activity is detected;
• these Terms are violated;
• information provided is false or incomplete;
• continued access may create legal, operational, security, or reputational risk.

Termination or suspension of platform access does not automatically redeem, cancel, or alter investments held in the investor’s own name with AMCs.

21. Amendments to These Terms

FinEdge may update these Terms from time to time to reflect changes in law, regulation, business practices, technology, service offerings, or operating requirements.

The updated Terms will be posted on the website with the revised effective date. Continued use of the website, platforms, or services after such updates will be deemed acceptance of the revised Terms.

22. Governing Law and Jurisdiction

These Terms shall be governed by the laws of India.

Any disputes shall be subject to the jurisdiction of the competent courts at Gurugram, Haryana, India.

23. Contact and Grievance Redressal

For questions, complaints, or grievances relating to these Terms or FinEdge services, please contact: