These Terms and Conditions (“Terms”) outline the rules, responsibilities, and expectations associated with accessing, browsing, or using the digital services provided by Finranite, an online platform dedicated to mutual fund investments, financial planning, equity-related facilitation, corporate fixed deposits, and other permitted non-insurance investment products. By choosing to use Finranite’s website, application, digital interfaces, or any other service channels provided by our team, you acknowledge that you have read, understood, and agreed to abide by these Terms in full.

Finranite offers tools, resources, and a user-friendly structure to help individuals navigate the world of personal finance. However, the act of using our platform indicates that you are doing so by your own choice, after understanding the nature of investment risks, digital limitations, and user obligations. These Terms apply to all visitors, registered users, and individuals interacting with Finranite in any capacity.

Please note that Finranite retains exclusive authority to modify, update, expand, restrict, or otherwise revise these Terms at any time as needed to reflect regulatory requirements, platform improvements, security updates, operational changes, or business decisions. All updates will be effective upon posting on the platform. Continued usage after such changes constitutes automatic acceptance of the revised Terms.

Acceptance of Terms

By using Finranite’s website, mobile platform, integrated tools, portfolio dashboards, digital submission features, advisory content, or any other associated service, you voluntarily accept these Terms and confirm that:

1. You are legally capable of entering into a binding agreement under applicable laws.
   
2. You understand that investing in mutual funds, equity-linked products, and corporate fixed deposits involves market-related and economic risks.
   
3. You agree to comply with all guidelines, usage restrictions, and policies mentioned here or displayed anywhere across the platform.
   
4. You take full responsibility for how you interpret, use, or act upon the information, projections, or data shared on Finranite.
   
5. You consent to be contacted by Finranite through email, SMS, phone calls, WhatsApp, or notifications for service-related communication, portfolio reminders, updates, alerts, or other relevant purposes.
   

If you do not agree to any portion of these Terms, you must discontinue the use of the platform immediately.

User Eligibility

To use Finranite’s services, you must meet the following eligibility criteria:

• You must be at least 18 years of age.
  
• You must be competent to enter into legal and financial agreements under Indian law or the laws applicable in your region.
  
• You must provide accurate, complete, and up-to-date information during registration or when requested by the Finranite team.
  
• You must not use the platform for fraudulent, unauthorized, or malicious intentions.
  

Finranite reserves the right to refuse service, block access, or terminate accounts if user information is found to be inaccurate, incomplete, or suspicious, or if a user violates any part of these Terms.

Account Creation and Security

To fully access Finranite’s investment-related features, users may need to create an account. The following conditions apply:

• Users will receive login credentials (username and password) after completing registration requirements.
  
• You are responsible for keeping your account details confidential and secure.
  
• You must notify Finranite immediately if you suspect unauthorized access or a potential data breach involving your account.
  
• Finranite is not liable for losses, damages, or unauthorized transactions arising from your failure to secure your account details.
  
• Each user agrees not to share, transfer, or sell their login credentials to another person.
  

Any activity performed through your account will be considered your responsibility, irrespective of who actually carried out the action.

Scope of Services

Finranite provides a structured digital environment for individuals seeking guidance or access to:

• Mutual fund investment pathways
  
• Financial planning assistance
  
• Equity-related digital facilitation
  
• Corporate fixed deposits
  
• Goal-oriented investment allocation
  
• Analytical tools and financial dashboards
  
• Market-linked informational content
  
• Portfolio monitoring features
  
• Risk-profiling tools
  
• Educational financial resources
  

Finranite does not guarantee market performance, investment returns, or future results. Our platform aims to simplify the investment process, not eliminate inherent market-linked uncertainties.

Platform Usage Rules

All users accessing Finranite agree to the following rules:

• You must use the platform only for lawful, ethical, and permitted financial activities.
  
• You must not attempt to disrupt, slow down, manipulate, or damage platform operations.
  
• You must not impersonate any individual or misrepresent your identity.
  
• You must not upload, share, or distribute content that is offensive, misleading, defamatory, unlawful, or harmful in any way.
  
• You must not use automated tools, bots, scripts, or scraping mechanisms to access or extract data from the platform.
  
• You must not engage in activities that interfere with other users’ experience or with platform security.
  

Violation of usage rules may result in legal action, account termination, and other consequences as deemed appropriate by Finranite.

Prohibited Activities

The following actions are strictly forbidden:

Misuse of Platform Content

• Copying, altering, duplicating, or republishing any material on Finranite without written authorization.
  
• Distributing platform content for commercial gain without permission.
  
• Misinterpreting or misrepresenting Finranite’s content or digital material.
  

Harmful Digital Conduct

• Uploading or spreading malware, viruses, bots, worms, corrupted files, or harmful code.
  
• Attempting to break into secure areas through hacking, password mining, or unauthorized penetration testing.
  
• Probing, scanning, or testing system vulnerabilities without permission.
  

Legal and Ethical Violations

• Engaging in defamation, harassment, slander, or activities that violate others’ rights.
  
• Uploading content protected by intellectual property laws unless you own or have permission to use it.
  
• Sharing harmful information that disrupts platform stability or compromises data.
  

Unauthorized Data Manipulation

• Modifying, translating, or distributing the Terms and Conditions without Finranite’s formal approval.
  
• Tampering with platform features, transactional pathways, or user dashboards.
  
• Falsifying digital statements or interfering with software functionalities.
  

If a user or visitor is discovered to be involved in any misleading, harmful, or suspicious activity, Finranite reserves the right to take strict legal and administrative action.

Investment-Related Risk Disclosures

Finranite provides access to market-linked tools and investment pathways, but it does not provide guaranteed results. All financial instruments offered or displayed on the platform carry inherent risks. Users must acknowledge and understand the following:

No Guaranteed Returns

Mutual funds, equity-related products, and corporate fixed deposits are affected by market conditions, interest-rate movements, liquidity trends, macroeconomic factors, and sectoral fluctuations. Past performance does not indicate or predict future results.

Market Uncertainty

Statements such as “projected,” “estimated,” “expected,” or similar terms are based on forward-looking assumptions. Actual outcomes may differ significantly due to market volatility.

User Responsibility

Investment decisions are entirely at the user’s discretion. You should consult a financial expert, if needed, before making investment decisions. Finranite does not guarantee that your investment choices will align with your long-term financial goals.

Periodic Review Required

Your personal financial plan, asset allocation strategy, and investment portfolio must be reviewed periodically. Finranite will not be liable if you fail to update or adjust your strategy based on evolving needs, changes in market conditions, or personal goals.

Intellectual Property Rights

All trademarks, logos, product names, website designs, platform content, charts, tools, and digital assets displayed on Finranite are proprietary to Finranite. Users are granted limited access for personal investment-related use only.

Users must not:

• Copy, republish, or distribute intellectual property without permission.
• Use Finranite’s branding or design materials for unauthorized purposes.
• Present Finranite’s content as their own.

Unauthorized usage may result in civil or criminal penalties.

Technology, Software, and System Integrity

Finranite operates using robust security frameworks to safeguard user data and transactions. However:

• No digital platform can fully guarantee uninterrupted service, error-free functionality, or immunity from technical issues.
  
• We do not assure that data imported or downloaded from our platform will be free from defects or potential risks.
  
• We are not responsible for system disruptions caused by telecom failures, server malfunctions, internet instability, or unauthorized third-party interference.
  

Users must ensure they access the platform using secure networks and updated devices.

Third-Party Links and External Content

Finranite may include links to third-party websites, tools, fund houses, analytics portals, or resource providers. These links exist only for convenience and informational purposes.

Users must understand:

• Finranite does not endorse or monitor third-party content.
  
• You are solely responsible for verifying the authenticity and risk associated with any external link you choose to access.
  
• Finranite will not be liable for viruses, data leakage, financial loss, or digital harm arising from external websites.
  

Users must use third-party links with caution and conduct their own due diligence.

Communication and Consent

By using Finranite, you authorize the platform to:

• Contact you through email, SMS, call, or WhatsApp.
  
• Send reminders, alerts, updates, notifications, and promotional or service-related messages.
  
• Share essential information related to your investments, portfolio activity, or regulatory updates.
  

This communication may continue unless the user chooses to opt out of promotional messaging wherever legally permitted.

Limitation of Liability

Finranite will not be held responsible for:

• Losses caused by market downturns, volatility, or unexpected economic conditions.
  
• Interpretation mistakes, assumptions, or actions taken based on platform information.
  
• Losses arising from delayed system responses, temporary downtime, or network outages.
  
• Damages occurring due to unauthorized account access resulting from user negligence.
  
• Variations between projected figures and actual financial outcomes.
  

Finranite’s role is to provide financial tools—not to eliminate investment risks inherent in market-linked assets.

Termination of Access

Finranite reserves the right to:

• Restrict access
  
• Suspend accounts
  
• Terminate usage rights
  
• Remove content
  
• Initiate legal action
  

Users may also terminate their account voluntarily, but previous actions performed through the account remain their responsibility.

Modifications to Terms

Finranite may update, revise, or modify these Terms whenever necessary. The platform is not obligated to provide prior notice before implementing changes. Continued usage after revisions automatically indicates acceptance of the updated Terms.

Governing Law

These Terms shall be interpreted and enforced in accordance with applicable laws within the relevant jurisdiction where Finranite operates. Any disputes will fall under the exclusive jurisdiction of the courts designated for such matters.

Contact Information

For queries, grievances, clarifications, or feedback regarding these Terms, users may contact Finranite through its designated customer support channels. Support responses will follow standard operational timelines.