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By accessing or using the MoneyTalks Wealth Pvt. Ltd website or any associated services, you acknowledge that you have read, understood, and agree to comply with all the terms and conditions outlined herein. Your continued use of the website and its services indicates your unequivocal acceptance of these terms and conditions.

1. Acceptance of Terms:
By accessing or using the MoneyTalks Wealth Pvt. Ltd website, you agree to be bound by the terms and conditions set forth herein. If you do not agree with any of these terms, you are prohibited from accessing or using the website.

2. Use of Website:
You agree to use the MoneyTalks Wealth Pvt. Ltd website and its services only for lawful purposes and in accordance with these terms and conditions. You may not use the website in any manner that could damage, disable, overburden, or impair the website or interfere with any other party's use and enjoyment of the website.

3. User Accounts:
In order to access certain features of the website, you may be required to create a user account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

4. Intellectual Property:
The content, design, and layout of the MoneyTalks Wealth Pvt. Ltd website are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content on the website without the prior written consent of MoneyTalks Wealth Pvt. Ltd.

5. Disclaimer of Warranties:
The information provided on the MoneyTalks Wealth Pvt. Ltd website is for general informational purposes only and should not be construed as financial, investment, or legal advice. MoneyTalks Wealth Pvt. Ltd makes no warranties or representations about the accuracy or completeness of the information on the website.

6. Limitation of Liability:
In no event shall MoneyTalks Wealth Pvt. Ltd be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with your use of the website or any information obtained from the website.

7. Governing Law:
These terms and conditions shall be governed by and construed in accordance with the laws of [Insert Jurisdiction]. Any disputes arising under these terms and conditions shall be subject to the exclusive jurisdiction of the courts in [Insert Jurisdiction].

8. Changes to Terms:
MoneyTalks Wealth Pvt. Ltd reserves the right to modify or revise these terms and conditions at any time without prior notice. Your continued use of the website following the posting of any changes constitutes acceptance of those changes.

By accessing or using the MoneyTalks Wealth Pvt. Ltd website, you agree to abide by these terms and conditions. If you do not agree with any of these terms, please refrain from using the website.

I. Registration Details for Offline Segment:

1. Accuracy of Information:
- The user agrees to provide accurate, true, and complete details during the registration process with MoneyTalks Wealth Pvt. Ltd. This includes personal information and any necessary documents.
- Registration will be terminated immediately if any information or documents provided by the user are found to be incorrect, outdated, false, or improper.

2. Compliance with Regulations:
- MoneyTalks Wealth Pvt. Ltd operates in compliance with relevant regulations governing financial services in the offline segment.
- Therefore, the user agrees to provide any required documents and information necessary for compliance with Know Your Customer (KYC) norms and other regulatory requirements as mandated by the Reserve Bank of India or other regulatory bodies.

3. Updating Registration Details:
- The user acknowledges that changes to registration details must be communicated directly to MoneyTalks Wealth Pvt. Ltd through authorized channels specified by the company for offline services.
- Any changes to contact information or other registration details must be communicated in writing or through designated offline channels as prescribed by MoneyTalks Wealth Pvt. Ltd.
- MoneyTalks Wealth Pvt. Ltd reserves the right to verify and authenticate any changes to registration details submitted by the user before updating its records.

II. Information Disclaimer:
The MoneyTalks Wealth Pvt. Ltd website/mobile application provides information about products distributed or offered by the operator, including videos, and general and investor education-related content. While efforts are made to ensure the completeness, currency, and accuracy of this information, MoneyTalks Wealth Pvt. Ltd does not guarantee its correctness or reliability.

The services and information provided are intended for informational and general guidance purposes only. They may contain recommendations suggesting various options for users to consider. However, these recommendations are only suggestions, and following them may not yield the desired result. The website/mobile application does not constitute a recommendation to proceed or refrain from any investment decision.

Users are responsible for ensuring that the services, products, and facilities provided comply with applicable laws in their respective jurisdictions. MoneyTalks Wealth Pvt. Ltd does not solicit offers to buy or sell products within any jurisdiction.

Users may be directed to other online portals for convenience, but they should review the terms and conditions of such portals before using their services. MoneyTalks Wealth Pvt. Ltd is not responsible for these portals.

The information and services provided on the website/mobile application should not be construed as legal, tax, or investment advice, nor as endorsements or solicitations to buy or sell securities.

Users are solely responsible for their investment decisions and are advised to seek expert advice from independent professionals before making any investment decisions. MoneyTalks Wealth Pvt. Ltd and its personnel are not liable for any decisions made by users based on information provided on the website/mobile application.

The operator does not guarantee the accuracy or completeness of market information provided, including data feeds, rates, and prices. Users are advised to independently verify market information before relying on it.

Overall, users should exercise caution and conduct their own research before making any decisions based on information provided on the MoneyTalks Wealth Pvt. Ltd website/mobile application.

III. Service Limitations:
The MoneyTalks Wealth Pvt. Ltd website/mobile application operates with no liability for any technical errors, issues, or resulting harm or damage to the user. Unless expressly stated otherwise, services are provided "AS IS" without warranties, and the operator is not responsible for any loss, non-delivery, failure to store user data, alteration in personalization settings, or service interruption due to errors or other issues.

Additionally, the operator and its directors, associates, employees, or representatives shall not be held liable for any harm or damage caused to the user due to the website/mobile application's usage, availability, termination, or non-performance resulting from computer viruses, data corruption, delays, communication failures, or other factors.

Users are reminded that mutual fund investments are subject to market risks. It's crucial to carefully read scheme information and related documents before investing. Past performance does not guarantee future returns. Users should consider their specific investment requirements before selecting a fund or designing a portfolio that meets their needs.

IV. Liability Disclaimer:
The MoneyTalks Wealth Pvt. Ltd website/mobile application and its operator shall not be held responsible for any errors, omissions, or outcomes resulting from the use of the website/mobile application or its services and information. The operator explicitly disclaims all liabilities arising from the user's use of the website/mobile application or its services and information. Neither the website/operator nor its affiliates, group companies, directors, authorized representatives, or employees shall be liable for any decisions made or actions taken by the user based on the services and information, nor for any resulting losses.

The operator or the website/mobile application shall not be liable for any direct, indirect, exemplary, special, punitive, or consequential damages. Users are advised to read scheme and related documents, which may or may not be uploaded on the website/mobile application, and review all disclaimers and terms associated with facilities, products, services, and schemes displayed on the website/mobile application.

It is emphasized that the services, information, and advice provided through the website/mobile application may not always be accurate, as they are based on algorithms, assumptions, and market-related information. Users are strongly encouraged to seek expert advice from other sources or professionals before making any investment through the website/mobile application.

Furthermore, the website/mobile application or the operator is not qualified to provide investment advice. Any part of the services and information offered by the operator should not be construed as advice. All data, reports, videos, and information displayed on the website/mobile application are sourced for dissemination purposes, and their accuracy or relevance is not guaranteed.

Users are advised to verify the accuracy of any information before relying on it. The website/mobile application or the operator disclaims all liability for any reliance on such reports, data, information, or third-party content accessed from the website/mobile application. Users should read the terms and conditions/disclaimers provided on third-party portals accessed through the website/mobile application.

V. Not an Investment Advisor, Planner, or Tax Advisor:
Users understand and agree that the services and information provided are general in nature and aimed at supporting their financial goals. They acknowledge that these services may not be suitable for everyone's needs. Therefore, users should not consider or rely on the operator or the website/mobile application as a financial planner, intermediary, or tax advisor.

The operator may receive commissions from Asset Management Companies (AMCs) as disclosed in the Disclosures.

These commissions are unrelated to any investment suggestions made by the website/mobile application, which are generated automatically by an algorithm without human intervention. Users are advised to seek additional information and consult with their financial coaches or consultants who are familiar with their individual circumstances.

VI. Third Party Service Provider:
The MoneyTalks Wealth Pvt. Ltd website/mobile application provides links to third-party service providers (such as AMCs, LIC, ICICI Pru Life, or Income Tax Department) as part of its service offerings. The website/mobile application reserves the right to include, update, or remove these links at its discretion without prior notice to the user.

Users are encouraged to review the terms of use of such third-party service providers before accessing their services through the provided links. MoneyTalks Wealth Pvt. Ltd and its website/mobile application are not responsible for the actions or services provided by these third-party service providers. Any disputes, liabilities, or causes of action arising from the user's interaction with third-party service providers will be governed solely by the terms of use or other governing conditions specified by the third-party service provider.

VII. Access and Interference:
When using the MoneyTalks Wealth Pvt. Ltd website/mobile application, users agree not to:
- Use any automated tools to access or copy the website/mobile application without our permission.
- Transmit any files containing harmful elements like viruses or worms.
- Attempt to reverse engineer or disassemble any software used by MoneyTalks Wealth Pvt. Ltd for its website/mobile application.

VIII. Rights Granted to MoneyTalks Wealth Pvt. Ltd:
When using the MoneyTalks Wealth Pvt. Ltd website/mobile application, you grant us the right to use, display, modify, transmit, and distribute any data, information, materials, or other content ("User Content") that you provide while using the website/mobile application.

Additionally, you have the right to provide feedback on our services and information. We may accept, reject, or use this feedback at our discretion without any compensation to you. Any changes made to the website/mobile application based on your feedback will be owned by MoneyTalks Wealth Pvt. Ltd.

IX. Unforeseeable Circumstances
While we take reasonable security measures to protect our website/mobile app from potential threats like hacking, viruses, or interference, we can't guarantee that it will always be immune to such issues. MoneyTalks Wealth Pvt. Ltd and its operators are not liable for any loss or damage resulting from such incidents, including data manipulation or loss.

We want to make it clear that we're not responsible for any consequential or incidental losses or damages that occur due to factors beyond our control. This includes situations where our website/mobile app is affected by events like hacking or other security breaches.

X. Keeping Your Password Safe
If you have areas of the site protected by a password, it's your responsibility to keep that password safe and not share it with others.

XI. Our Agreement
By using our services, you agree that these terms constitute the entire agreement between you and us. They override any previous agreements or proposals, whether verbal or written, relating to the subject matter covered here. These terms govern any future discussions or communications between us, unless explicitly stated otherwise.

XII. Amendment
If any provision of these terms and conditions is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

XIII. Termination
The website/mobile application reserves the right to terminate the agreement immediately if the user engages in unauthorized access, violates terms, or attempts to transfer rights. Upon termination, all user access and rights revert to the operator.

XIV. Jurisdiction
This agreement is governed by Indian law, and any disputes arising from the use of the website/mobile application will be resolved in courts. Users agree to submit to the exclusive jurisdiction of Indian courts.

LAST UPDATED ON DATE 20-05-2024