Terms of Use

Effective Date: 19th May, 2025

Last Updated: 19th May, 2025

Website: www.finiqus.com

These Terms of Use ("Terms") govern your access to and use of all content, services, and products made available by Finiqus ("we", "our", "us") through our website, digital platforms, or any other communication medium controlled or operated by us.

By accessing or using any part of our services, you agree to be legally bound by these Terms. If you do not agree, you must stop using our services immediately.

1. Introduction and Scope

Finiqus is a registered financial advisory firm based in India. We offer investment consulting, mutual fund distribution, goal-based planning, retirement planning, insurance planning, personal budgeting assistance, and related financial services. These Terms govern all interactions, transactions, and communications that you engage in while using our services through our website, mobile access, third-party integrations, or in-person consultations.

These Terms apply to:

• Visitors of our website
• Clients using our advisory services
• Users interacting with any financial content we publish
• Any third-party accessing our services through embedded links or referrals

These Terms do not apply to employees, vendors, or partners of Finiqus unless otherwise specified in their individual contracts.

2. User Eligibility

To use the services offered by Finiqus:

• You must be at least 18 years old and competent to contract under Indian law.
• If you are accessing the site or availing services on behalf of another individual, company, or legal entity, you must have the legal authority to represent and bind such entity.
• You must provide accurate, truthful, and current information about yourself during registration or consultation.

We reserve the right to restrict access to any user who fails to meet these eligibility criteria or is found to be misusing the platform.

3. User Responsibilities

As a user of our services, you agree to:

• Use the services only for lawful purposes.
• Ensure that all personal and financial information shared with us is accurate and complete.
• Not impersonate any other individual or entity.
• Not post or transmit any harmful, unethical, or misleading content.
• Maintain the confidentiality of your login credentials and personal dashboard if applicable.

You are solely responsible for any decisions you make based on the financial information, advisory content, or investment suggestions provided through Finiqus.

4. Nature of Services

Finiqus provides investment and financial advisory services. We offer:

• Mutual Fund product distribution through authorized AMCs.
• Personalized financial planning including retirement, insurance, and budgeting.
• Risk profiling and financial goal-setting.
• Access to trusted AMC portals through our referral links (with ARN linkage).
• Ongoing portfolio monitoring and consultation.

We do not:

• Offer guaranteed returns on investments.
• Engage in speculative trading or unregulated investment avenues.
• Provide legal or tax advice unless explicitly mentioned.
• Take custody of client funds or investments.

All investments are made at the sole discretion of the client, and all transactions occur directly through SEBI-registered AMCs or authorized platforms.

5. Third-Party Platforms and Hyperlinking

To facilitate investments, our website may contain hyperlinks redirecting you to mutual fund platforms or Asset Management Companies (AMCs) where you can invest using our ARN. These platforms are independently operated, and we do not control their functionality, reliability, or performance.

By clicking on any external link:

• You accept that the terms and privacy policies of those external platforms apply.
• You understand that Finiqus has no liability for any transaction, dispute, error, or loss incurred on third-party portals.

We encourage users to read the individual policies of third-party platforms before transacting.

6. Client Acknowledgement

When you choose to invest or seek advice from Finiqus, you acknowledge that:

• Financial markets involve inherent risks including loss of capital.
• Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.
• Financial planning outcomes depend on various assumptions and future market behavior.
• The success of your investment plan cannot be guaranteed.

You understand that our recommendations are based on historical data, current regulations, and your risk profile, and are not predictions of future performance.

7. Account Setup and Access

To access certain services, you may be required to register for an account or consultation via our website. Upon registration:

• You agree to provide your correct name, contact details, and other required information.
• You will receive email and/or phone communications from Finiqus regarding your service request.
• You are responsible for maintaining the confidentiality of your access credentials.

We reserve the right to suspend or terminate your account if we believe you have violated any part of these Terms.

8. Data Privacy and Consent

By using our services, you consent to the collection and use of your personal data in accordance with our Privacy Policy. This includes:

• Personal information required for consultations and service delivery.
• Contact details for ongoing communication and updates.
• Financial details used for risk profiling and planning.

Your data is processed, stored, and transmitted in compliance with applicable Indian laws. You have the right to access, modify, or request deletion of your personal data.

9. Communication and Contact

Finiqus may contact you through email, phone, or SMS for purposes including:

• Service updates
• Consultations
• Investment insights
• Regulatory notices
• Feedback requests

By using our services, you agree to receive such communications. You may opt out from marketing communications at any time through the opt-out link or by contacting our support team.

10. Payment and Fees

Finiqus may charge professional advisory fees for specific services such as:

• Financial planning reports
• Portfolio reviews
• Investment consultations

All charges, if applicable, will be clearly communicated prior to availing a paid service. You must ensure that payment details are valid and transactions are completed securely. Refunds, if any, are processed at our sole discretion and only under documented cases of non-delivery of service.

11. Disclaimer of Liability

Finiqus offers financial insights, investment suggestions, and advisory support based on publicly available information, standard financial principles, and client-provided data. While we take care to ensure that the advice and content we provide is up-to-date and based on sound reasoning, we make no representations or warranties regarding accuracy, reliability, or completeness.

You understand and agree that all investments carry risk, and you are solely responsible for the outcomes of your decisions. Past performance is not indicative of future returns. We do not guarantee returns, principal protection, or future growth.

We are not liable for:

• Losses arising out of investment decisions made through or based on our services
• Errors in client-submitted data leading to inappropriate financial advice
• System outages or delays on third-party platforms used to invest
• Any business loss, goodwill loss, indirect or incidental loss
• Technical glitches, communication failures, or site unavailability

All advice given is of a general nature unless otherwise specified. If you require tax, legal, or specific portfolio advice, please consult professionals in those fields.

12. Intellectual Property Rights

All content, design, structure, graphics, tools, algorithms, and written materials made available on the Finiqus website or any other platform managed by us are the exclusive intellectual property of Finiqus, unless otherwise attributed.

This includes but is not limited to:

• Articles and blog content
• Advisory reports and templates
• Visual elements, UI components, and layout designs
• Business logic and investment frameworks
• Logos, brand names, slogans, and other proprietary identifiers

You may not copy, reproduce, distribute, modify, reverse-engineer, or exploit any of our content for commercial or non-commercial purposes without written permission.

Use of our name or materials in misleading or unlawful ways is strictly prohibited.

Third-party trademarks or content appearing on our platform are the property of their respective owners, and any reference to them does not imply endorsement.

13. Prohibited Activities

While using our services, you agree not to:

• Provide false or misleading information
• Misrepresent your identity or impersonate others
• Attempt to interfere with the proper functioning of our site or services
• Access areas of the website or servers not meant for public use
• Upload, share, or transmit viruses or any malicious code
• Post defamatory, obscene, abusive, or illegal content
• Attempt to copy, download, or redistribute proprietary information
• Solicit other users for commercial purposes without consent
• Violate local, state, national, or international laws

We monitor usage patterns and user behavior to detect and prevent misuse. If we find that any user has engaged in any of the above activities, we reserve the right to suspend or permanently terminate access to our services.

14. Termination of Access

Finiqus reserves the right to restrict or terminate your access to any or all parts of the website or services at any time, without prior notice, if we find that:

• You have violated any part of these Terms
• You have submitted fraudulent or misleading information
• You have misused any features of the service
• You are engaging in behavior that is harmful to other users, our staff, or our reputation

You may discontinue use of our services at any time. Termination does not affect the obligations incurred before termination. These include but are not limited to:

• Fees owed
• Confidentiality obligations
• Dispute settlement clauses

We will delete any client data or documents upon request after account closure, subject to regulatory requirements that mandate data retention.

15. Indemnity Clause

You agree to indemnify, defend, and hold harmless Finiqus, its legal associates, representatives, staff, and affiliates from and against any and all liabilities, losses, damages, costs, or expenses (including legal fees) arising from:

• Your use or misuse of the services
• Breach of these Terms
• Violation of any applicable laws or third-party rights
• Submission of false or fraudulent data
• Infringement of intellectual property rights

This obligation survives termination or discontinuation of services and applies to any claims brought by third parties related to your use of our services.

16. Limitation of Liability

To the extent permitted under applicable law, Finiqus shall not be liable for:

• Any indirect, special, incidental, or consequential damages
• Any loss of profits, savings, data, goodwill, or reputation
• Any damage or loss arising out of the performance or use of third-party links

Our total liability for all claims related to services, regardless of form or cause, shall not exceed the total amount paid by you for availing our services in the six months prior to the dispute.

You agree that this limitation forms an essential basis of the agreement and reflects a reasonable allocation of risk.

17. Jurisdiction and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of India.

If any dispute arises in connection with these Terms, the services provided, or any related engagement:

• Both parties shall first attempt to resolve the matter amicably through discussion within thirty (30) days of the dispute arising.
• If unresolved, the dispute shall be referred to arbitration under the Arbitration and Conciliation Act, 1996.
• The place of arbitration shall be Kolkata, West Bengal. Proceedings will be conducted in English.
• Subject to the above, the courts of Kolkata shall have exclusive jurisdiction over any matter relating to these Terms.

You waive any objection to such venue and consent to personal jurisdiction in these courts.

18. Force Majeure

Finiqus will not be held liable for any failure or delay in performance of its obligations under these Terms due to causes beyond its reasonable control, including but not limited to:

• Natural disasters
• Acts of terrorism
• Labor strikes
• Government restrictions
• Power outages
• System breakdowns or internet unavailability

Such causes will suspend our obligations for the duration of the disruption. We will take reasonable steps to restore service as soon as possible.

19. Contact and Grievance Officer

If you have any queries, feedback, or grievances regarding these Terms or your experience with Finiqus, please contact our designated grievance officer:

Name: Adv. Jhilick Das Ghosh

Position: Chief Law Associate and Grievance Officer

Email: finiqus@gmail.com

Phone: [+91-9804840412]

Address: Uttarayan Housing Estate, 102, BT Road, Bonhooghly Bus Stand, Kolkata, West Bengal 700108 (Landmark - opposite Indian Statistical Institute) 

We respond to all queries within 10 working days. For escalations, written complaints can be submitted through the website or postal address.

20. Entire Agreement and Severability

These Terms constitute the entire agreement between you and Finiqus regarding your access and use of the services. They supersede any prior agreements or understandings, oral or written.

If any provision of these Terms is found to be invalid or unenforceable, the remainder will remain in full force and effect. Any waiver of a provision must be in writing and signed by both parties.

The failure of Finiqus to enforce any right or provision under these Terms will not be considered a waiver of such rights.

Also Read: Privacy Policy , Disclaimer