This website is operated by Investwise. (hereinafter referred to as “Investwise”) Throughout the site, the terms “we”, “us” and “our” refer to Investwise. who offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

By visiting our site, you agree to be bound by the following terms and conditions. Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

We may change these terms and conditions at any time. Your continued use of investwise.in means that you accept any new or modified terms and conditions that we come up with. Please revisit the `terms and conditions’ link at our site from time to time to stay abreast of any changes that we may introduce. Any new features or tools which are added to the current site shall also be subject to the Terms of Service. You can review the current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes implied acceptance of those changes.

General Terms and Conditions:

1. The Service provider shall act in the best interest of the Client, and their advice and recommendations should be viewed in that light. The advice is given based on the market conditions prevailing at that time and it is always subject to any market risks and hence the returns may fluctuate accordingly. The risk factors may vary with each type of investment in securities and investment products.  Detailed statements of risk factors will be mentioned in the plan/advice for the suggested securities and investment products:
2. In the event of Death or Disability of the Client, his legal heirs have an option to either continue or terminate the services. Upon termination of the services, the fee to be refunded will be made to the Legal heirs or the nominee, nominated by the Client.  The Client shall nominate one person for collecting such fee, in the event of death of the client.  The client shall nominate one person and intimate the same to the IA, in his own interest, for the purposes of such continuation or termination of the agreement.
3. The Service provider will disclose all conflicts of interest as and when they arise and not derive any direct or indirect benefit out of the client’s securities/investment products.
4. Guaranteeing returns on mutual funds, invested company’s listed and unlisted securities; guaranteeing return on gold and silver is in contravention of SEBI guidelines. Hence, the Service Provider does not offer any guarantees on returns.
5. Service provider shall maintain client accounts and data as mandated under the SEBI (Service providers) Regulations, 2013.
6. The records of interactions, where any conversation related to advice has taken place inter alia, in the form of (i) Physical record written and signed by client  (ii)  Telephone recording (iii  wE-mail; from registered e-mail id.  (iv) Record of SMS messages (v) Any other legally verifiable record., shall be maintained by the IA for a period of five years. Such records shall begin with first interaction with the client and shall continue till the completion of services to the client.
7. The Service provider shall resolve the grievances of the client within the timelines specified under SEBI Circulars.
8. If any provision of this Agreement shall be held or made invalid by a court decision, statute, rule or otherwise, the remainder of this Agreement shall not be affected 

Termination: This Agreement is valid until terminated.  The Agreement may be terminated under the following circumstances:

1.  Voluntary/mandatory termination by the Service provider.
2.  Voluntary / mandatory termination by the client.
3.  Upon suspension/cancellation of registration of IA by SEBI.
4.  Any other action taken by other regulatory body/Government Authority.

In case of voluntary termination of the agreement, the client would be required to give 30 days prior written notice while the Service provider would be required to give 30-day prior written notice.

In case of suspension of the certificate of registration of the Service provider, the client may be provided with the option to terminate the agreement.

AMENDMENTS:    The agreement may be amended/altered/modified by mutual written consent of the parties.

ARBITRATION:

Any dispute between the parties shall be settled by way of Arbitration in accordance with the provisions of Arbitration and Conciliation Act 1996.

• JURISDICTION:

The terms of this agreement are exclusively based on and subject to Indian law. You hereby consent to the exclusive jurisdiction and venue of courts in Bangalore in all disputes arising out of or relating to the use of this website. Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.