Terms and Conditions

2.1 Authentication Methods: We provide secure user authentication through Gmail login and OTP-based verification systems.

2.2 Account Responsibility: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

2.3 Terms Acceptance: By completing the login process, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

3.1 Upload Methods: Our platform supports multiple portfolio data upload methods including:

• Excel file uploads
• Manual data entry
• PDF statement processing
• Gmail connector integration for automatic portfolio synchronization

3.2 Data Accuracy: You are responsible for ensuring the accuracy of all portfolio data you provide. We are not liable for any decisions made based on inaccurate data.

3.3 Data Ownership: You retain ownership of your portfolio data. We act as a processor of your data in accordance with applicable data protection laws.

4.1 Analysis Scope: Our platform currently provides analysis for:

• Mutual funds
• Stocks (Indian markets)
• Future expansion planned for: Cryptocurrency, US Stocks, Bonds, Fixed Deposits, and other financial instruments

4.2 Analysis Methodology: Our portfolio analysis is based on predetermined static rules and algorithms. These analyses are subject to market conditions and may not reflect real-time market dynamics.

4.3 Limitations: Our analysis tools are designed to provide general insights and may not account for all personal financial circumstances or market variables.

6.1 Purpose of Polls: Polls are strictly for engagement and education purposes only, not for rewards.

6.2 Voluntary Participation: Participation in polls is completely voluntary.

6.3 Educational and Engagement Purpose: Polls are strictly for engagement and educational purposes only, not for rewards.

6.4 Not Competitions or Contests: Polls do not resemble competitions or contests in any way.

6.5 No Reward Terminology: No terms such as "winner," "prize," "entry," "ranking," or "reward" are used or implied.

6.6 No Benefits Offered: Polls do not offer any monetary, material, or incentive-based benefits.

6.7 Data Collection: We do not collect or store any personal or identifiable user data during poll participation.

6.8 Apple Disclaimer: Apple is not involved in the creation, management, administration, or endorsement of these polls.

7.1 DPDP Act 2023 Compliance: We are committed to full compliance with the Digital Personal Data Protection Act, 2023, and all applicable Indian data protection regulations.

7.2 IT Act Compliance: Our platform adheres to the Information Technology Act, 2000, and all subsequent amendments and rules.

7.3 Data Processing: We process your personal data only for legitimate purposes as outlined in our Privacy Policy and with your explicit consent.

7.4 Data Rights: You have the right to access, correct, delete, and port your personal data as per applicable laws.

7.5 Cross-Border Data Transfer: If applicable, any cross-border data transfers will be conducted in compliance with Indian data protection laws.

8.1 Enterprise-Grade Security: We implement enterprise-grade security measures to protect your data, including:

• End-to-end encryption for data transmission
• Encrypted data storage
• Multi-factor authentication systems
• Regular security audits and vulnerability assessments
• Secure backup and disaster recovery procedures

8.2 Data Retention: We retain your data only as long as necessary for the purposes outlined in these terms or as required by law.

8.3 Security Incidents: In the event of a security breach, we will notify affected users and relevant authorities as required by applicable laws.

9.1 Lawful Use: You agree to use our platform only for lawful purposes and in accordance with these terms.

9.2 Prohibited Activities: You shall not:

• Attempt to gain unauthorized access to our systems
• Upload malicious content or viruses
• Misrepresent your identity or provide false information
• Use the platform for any illegal or fraudulent activities
• Reverse engineer or attempt to extract source code

10.1 Service Availability: While we strive for high availability, we do not guarantee uninterrupted service and are not liable for temporary outages or maintenance periods.

10.2 Financial Losses: We are not liable for any financial losses resulting from investment decisions made based on information provided on our platform.

10.3 Third-Party Services: We are not responsible for the performance or availability of third-party services integrated with our platform.