Effective Date: [31st August, 2025]

Last Updated: [1st January, 2026]

These Terms of Use govern access to and use of the website www.finiqus.com (“Website”), owned and operated by Finiqus (“Finiqus”, “we”, “our”, “us”). By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms of Use. If you do not agree with these terms, you must refrain from using the Website.

These Terms apply to all visitors, users, clients, and any person accessing the Website for informational, educational, or service-related purposes.

Nature of the Website and Services

The Website functions as an informational and service-oriented platform offering financial education, mutual fund distribution facilitation, legal and academic consultancy information, tools, articles, calculators, and general market awareness content. The Website does not function as a trading platform, portfolio management system, execution platform, or brokerage interface.

Nothing on the Website constitutes a binding offer, solicitation, or contractual obligation unless expressly stated in writing through a separate, duly executed agreement.

Eligibility to Use the Website

Use of this Website is available only to individuals who are legally capable of entering into a binding contract under applicable law. By using the Website, you represent that you are at least eighteen years of age and possess the legal capacity to agree to these Terms.

Use of the Website by minors, automated systems, or unauthorized agents is strictly prohibited.

Permitted and Prohibited Use

You agree to use the Website solely for lawful purposes and in a manner consistent with applicable laws, regulations, and ethical standards. You shall not use the Website in any manner that could damage, disable, overburden, interfere with, or impair its functionality or security.

Unauthorized attempts to access restricted areas, introduce malicious code, scrape data, reverse-engineer features, or misuse content for commercial exploitation without written permission are strictly prohibited. Any such activity may result in immediate termination of access and potential legal action.

Intellectual Property Rights

All content available on the Website, including but not limited to text, graphics, logos, branding elements, design layouts, charts, tools, articles, calculators, and educational material, is the exclusive intellectual property of Finiqus or its licensors and is protected under applicable copyright, trademark, and intellectual property laws.

No content may be copied, reproduced, modified, distributed, published, transmitted, or commercially exploited in any form without prior written consent from Finiqus. Limited personal, non-commercial use is permitted provided that the content remains unaltered and properly attributed.

No Professional Relationship Created

Use of the Website does not create any advisory, fiduciary, client-advisor, lawyer-client, or consultant-client relationship between you and Finiqus unless expressly agreed upon through a separate written agreement.

Any interaction through forms, emails, or calls shall be treated as preliminary communication and not as the provision of professional advice or services.

Accuracy and Availability of Information

While reasonable efforts are made to ensure that information on the Website is accurate, current, and reliable, Finiqus makes no representations or warranties regarding completeness, accuracy, suitability, or timeliness. Information may become outdated or inaccurate due to regulatory, market, or factual changes.

The Website and its content are provided on an “as-is” and “as-available” basis without warranties of any kind, whether express or implied.

Third-Party Content and External Links

The Website may contain references, links, or integrations to third-party websites, tools, or resources. Such links are provided for convenience only and do not constitute endorsement, approval, or control by Finiqus.

Finiqus shall not be responsible or liable for the content, accuracy, availability, practices, or consequences of using any third-party website or service. Accessing such external resources is done entirely at your own risk.

Limitation of Liability

To the maximum extent permitted by law, Finiqus shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to the use of, inability to use, or reliance on the Website or its content.

This includes, without limitation, loss of data, loss of profits, business interruption, investment losses, reputational harm, or system failures, even if Finiqus has been advised of the possibility of such damages.

User Responsibility and Assumption of Risk

You acknowledge that financial markets, legal interpretations, and educational outcomes involve inherent risks and uncertainties. Any decision made based on information obtained from the Website is undertaken solely at your own discretion and risk.

You agree to independently verify information and seek appropriate professional advice before acting on any information provided through the Website.

Modification, Suspension, and Termination

Finiqus reserves the right to modify, suspend, restrict, or discontinue any part of the Website, services, or content at any time without prior notice. Access may be terminated or restricted for any user found to be in violation of these Terms or applicable laws.

Continued use of the Website after any modification constitutes acceptance of the revised Terms.

Indemnification

You agree to indemnify, defend, and hold harmless Finiqus, its partners, affiliates, representatives, and service providers from any claims, liabilities, losses, damages, costs, or expenses arising from your use of the Website, violation of these Terms, or infringement of any rights of third parties.

Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with the use of the Website shall be subject to the exclusive jurisdiction of the competent courts located in India.

Severability

If any provision of these Terms is found to be unlawful, invalid, or unenforceable, such provision shall be deemed severed, and the remaining provisions shall continue in full force and effect.

Contact Information

Any questions or concerns regarding these Terms of Use may be addressed through the official contact details available on www.finiqus.com.