Terms of Service

1. Introduction

These Terms of Service ("Terms") govern access to and use of the PaisaGraph website, mobile applications, investor facilities, digital tools, content and related services (collectively, the "Platform").

"PaisaGraph", "we", "us" and "our" refer to the legal entity operating the Platform, as identified in the applicable registration and regulatory disclosures.

PaisaGraph provides mutual fund distribution services and financial information for investors. It also undertakes corporate engagements relating to IPO readiness, fundraising and private equity, subject to the scope of each engagement and applicable regulatory requirements.

These Terms should be read together with the Privacy Policy, Risk Disclosure, applicable product documents and any separate agreement governing a particular service.

By accessing or using the Platform, you agree to these Terms to the extent legally applicable. Where a separate affirmative acceptance is required, including for account registration or a contractual engagement, the relevant service may be made available only after such acceptance.

If you do not agree to these Terms, please discontinue use of the relevant Platform facility.

2. Nature and Scope of Services

Depending on the service concerned, PaisaGraph may provide:

2.1 Mutual Fund Distribution

PaisaGraph acts as an AMFI-registered Mutual Fund Distributor under ARN 314808, subject to the applicable registration terms and validity.

Its distribution-related activities may include providing mutual fund scheme information, facilitating access to authorised transaction platforms, assisting with investor onboarding and supporting permitted purchase, redemption, switch and systematic investment plan processes.

PaisaGraph's role in a particular transaction depends on the applicable platform, scheme and service arrangements.

PaisaGraph does not represent itself as a SEBI-registered Investment Adviser merely by providing distribution-related assistance, financial education, investment-related information or investor support.

2.2 Financial Information and Digital Tools

The Platform may provide market updates, scheme information, financial education, investment calculators, comparison tools, portfolio information and other digital features.

Such content and tools are intended to help users understand financial products and related information. Their availability does not, by itself, create a separate investment advisory relationship.

2.3 Corporate Advisory and Fundraising Support

PaisaGraph may undertake corporate engagements involving IPO readiness, listing preparation, fundraising support, investor presentation preparation, private equity-related assistance and related business advisory services.

The precise scope, deliverables, fees, responsibilities and limitations of a corporate engagement will be governed by the relevant engagement letter or separate written agreement.

Any activity requiring a specific regulatory registration, authorisation or approval will be undertaken only where the applicable requirements are satisfied.

3. Eligibility and Accuracy of Information

Users must have the legal capacity to use the relevant service and enter into the applicable agreement.

Users accessing investment or transaction facilities must satisfy the eligibility, residency, KYC and other requirements imposed by applicable law, the relevant financial institution and the authorised transaction platform.

Users agree to provide accurate, complete and current information where required and to update material changes when necessary.

PaisaGraph may decline, suspend or restrict access where information is materially inaccurate, required documentation is incomplete, or access would otherwise be unlawful or inconsistent with applicable requirements.

4. Account Registration, KYC and Security

Certain Platform facilities may require registration, identity verification, KYC completion or authentication through an authorised third-party platform.

Users are responsible for safeguarding their login credentials and for maintaining the confidentiality of authentication information within their control.

Users must not share passwords, PINs, OTPs or transaction authentication credentials with unauthorised persons or through unsecured channels.

Any suspected unauthorised access, suspicious activity or security incident should be reported promptly to support@paisagraph.com.

PaisaGraph may apply reasonable verification, access-control or security measures where necessary to protect users and the Platform.

Access to a portfolio or transaction facility may also be subject to the terms and security procedures of the relevant AMC, registrar and transfer agent or transaction platform.

5. Mutual Fund Transactions and Investor Instructions

Mutual fund transactions are subject to the relevant scheme documents, transaction cut-off times, applicable NAV rules, payment and settlement procedures, KYC requirements and the operational rules of the relevant service provider.

Where transactions are facilitated through an authorised transaction platform, AMC, registrar and transfer agent or other intermediary, the relevant entity may be responsible for authentication, order processing, acceptance, execution, settlement and confirmation.

PaisaGraph does not guarantee that a transaction instruction will be accepted, executed or completed within a particular period.

Users should carefully review scheme selection, investment amount, bank and folio details, transaction type and other relevant information before confirming an instruction.

Users should verify transaction status and confirmations through the relevant authorised platform, AMC or registrar and transfer agent.

PaisaGraph does not accept custody of client funds or securities merely by providing distribution or transaction facilitation services. Payments and settlement should be made through the authorised channels applicable to the transaction.

6. Nature of Distribution Services and Conflicts

Mutual fund distribution involves facilitating access to mutual fund schemes and related services. PaisaGraph may receive commission or other permitted remuneration from AMCs or other relevant parties in accordance with applicable arrangements and regulatory requirements.

Where applicable, material conflicts and compensation-related information will be disclosed as required by law or the relevant regulatory framework.

Users should understand the nature of the distribution relationship and should not assume that the existence of a distribution service means PaisaGraph acts as an independent, fee-only or fiduciary investment adviser.

Any separately regulated advisory service, if offered under a valid registration, will be subject to its applicable regulatory framework and separate disclosures and agreements.

7. Corporate Advisory and Fundraising Engagements

Corporate advisory services are governed by the scope agreed in the relevant engagement letter or other written agreement.

Unless expressly agreed otherwise, information on the Platform concerning IPO readiness, fundraising, private equity or corporate finance is general in nature and does not constitute an underwriting commitment, assurance of funding, guarantee of listing, guarantee of valuation or promise of investor participation.

The outcome of any fundraising or listing process depends on factors including the issuer's financial position, due diligence, market conditions, investor demand, applicable laws, regulatory approvals and the decisions of relevant exchanges, regulators, investors and other parties.

The issuer or client remains responsible for the accuracy and completeness of information and documents it supplies, subject to the specific scope of any agreed professional engagement.

PaisaGraph will not represent that any transaction or service has been approved by a regulator or exchange unless such approval has actually been obtained.

8. Fees, Commissions and Payments

Fees, commissions and other remuneration, where applicable, will be governed by the relevant service terms, distribution arrangements, engagement letter or other applicable disclosure.

Corporate advisory fees will be payable in accordance with the relevant written engagement terms.

Nothing in these Terms creates an obligation to pay a fee that has not been agreed or otherwise become payable under an applicable lawful arrangement.

Applicable taxes will be charged in accordance with law.

9. Website Content and Intellectual Property

Unless otherwise indicated, the Platform's original content, branding, graphics, software, design and other intellectual property belong to PaisaGraph or its licensors.

Users may access and use the content for lawful personal or business purposes consistent with the relevant service.

Users must not reproduce, distribute, commercially exploit, modify or republish protected content without the necessary authorisation, except where permitted by law.

Scheme names, logos, market data and other third-party materials may belong to their respective owners and remain subject to the relevant rights and conditions.

10. Acceptable Use

Users must not:

• Use the Platform for unlawful, fraudulent or misleading purposes.
• Attempt to gain unauthorised access to systems, accounts or confidential information.
• Interfere with the security, integrity or availability of the Platform.
• Introduce malicious code or conduct unauthorised automated extraction of data.
• Impersonate another person or misrepresent an affiliation.
• Submit information or documents that they know to be materially false or misleading.
• Use the Platform to infringe intellectual property rights or violate applicable law.

PaisaGraph may take proportionate action to investigate and address suspected misuse, subject to applicable law.

11. Third-Party Platforms and Services

The Platform may link to or integrate with AMCs, registrars and transfer agents, authorised transaction platforms, KYC service providers, payment systems, market-data providers, cloud services and other third parties.

Such services may be governed by separate terms, privacy notices, authentication processes and operational requirements.

PaisaGraph does not control every aspect of an independent third-party service and does not guarantee its uninterrupted availability or freedom from errors.

Nothing in this section excludes any responsibility that PaisaGraph has under applicable law or an express contractual undertaking.

12. Availability and Changes to Services

PaisaGraph may update, modify or discontinue website features, content or tools for operational, security, commercial or regulatory reasons.

Where practicable, reasonable notice will be provided for material changes affecting an ongoing service, subject to urgent security, legal or regulatory requirements.

The Platform may occasionally be unavailable due to maintenance, technical issues, connectivity problems or third-party interruptions.

PaisaGraph does not guarantee uninterrupted access to every feature at all times.

13. Limitation of Liability

The Platform and its general informational content are provided subject to applicable law and the terms governing the relevant service.

To the extent legally permissible, PaisaGraph shall not be responsible for losses arising solely from a user's unauthorised use of the Platform, failure to safeguard credentials, inaccurate information supplied by the user, or independent third-party failures beyond PaisaGraph's reasonable control.

No provision of these Terms excludes or restricts liability for fraud, wilful misconduct, negligence where such exclusion is prohibited, breach of a non-excludable statutory duty, or any other liability that cannot lawfully be excluded or limited.

Investment losses arising from market movements are not, by themselves, evidence of a breach by PaisaGraph. This statement does not excuse any proven misrepresentation, breach of applicable regulatory requirements or other legal responsibility.

14. Indemnity

To the extent permitted by applicable law, a user may be responsible for losses and reasonable costs directly arising from the user's unlawful conduct, fraud, infringement of third-party rights or material breach of these Terms.

Nothing in this section imposes an unlimited indemnity or removes any protection that a user has under applicable law.

15. Suspension and Termination

PaisaGraph may suspend or restrict access where reasonably necessary for security, suspected fraud, material breach of these Terms, incomplete mandatory verification or compliance with a lawful regulatory or governmental direction.

Where practicable and legally permissible, the user will be informed of the relevant action and any available steps to resolve the issue.

Users may request closure of their Platform account through the contact details provided below, subject to pending transactions, applicable record-retention requirements and other lawful obligations.

Closing an account does not automatically cancel a mutual fund holding, complete a pending transaction or terminate a separate corporate engagement.

16. Grievance Redressal

Users may submit complaints or service requests through the contact details below.

Complaints relating to mutual fund distribution will be handled through the applicable grievance mechanism and escalated through the relevant AMC, transaction platform, AMFI or other appropriate channel where applicable.

Where a matter falls within the jurisdiction of a financial regulator or an applicable statutory grievance mechanism, users retain the right to approach that authority in accordance with its procedures.

The existence of this internal process does not restrict statutory remedies available to users.

17. Amendments to These Terms

PaisaGraph may revise these Terms to reflect changes in its services, business arrangements or applicable law.

The revised version will be published with an updated date. Where a change materially affects an existing contractual relationship or requires renewed acceptance under applicable law, the appropriate notice or acceptance process will be followed.

Users should review the Terms periodically.

18. Governing Law and Jurisdiction

These Terms are governed by the laws of India.

Subject to mandatory statutory remedies, applicable regulatory grievance procedures and any valid dispute-resolution agreement, disputes will be subject to the jurisdiction of the competent courts in accordance with applicable law.

Nothing in these Terms prevents a user from exercising a non-waivable statutory right or approaching a competent regulator or authority.

19. Contact Details

For service-specific complaints, please identify the relevant service or transaction and provide sufficient details to enable us to review the matter. Do not send passwords, PINs or OTPs in a complaint.