Terms of Service

Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Nitishakti Technologies Pvt. Ltd. ("Company," "we," "our," or "us") regarding your use of our AI-powered financial planning platform, mobile application, and related services (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.

Description of Service

Nitishakti provides an AI-powered financial planning platform that:

• Aggregates investment data from multiple financial institutions
• Provides personalized investment recommendations using artificial intelligence
• Offers portfolio analysis and optimization suggestions
• Delivers financial planning insights tailored to Indian markets
• Enables tracking and monitoring of investment performance

Our Service is designed for informational and educational purposes. We are registered as an Investment Advisor with SEBI but do not execute trades or manage funds directly.

User Responsibilities

By using our Service, you agree to:

• Provide accurate and complete information about your financial situation
• Keep your account credentials secure and confidential
• Use the Service only for lawful purposes and in accordance with these Terms
• Not attempt to gain unauthorized access to our systems or other users' accounts
• Not use the Service to engage in any fraudulent or illegal activities
• Comply with all applicable laws and regulations
• Notify us immediately of any unauthorized use of your account

Investment Advisory Disclaimer

• Our AI-generated recommendations are based on algorithms and historical data
• Past performance does not guarantee future results
• All investments carry risk, including potential loss of principal
• You should consult with a qualified financial advisor before making investment decisions
• We do not guarantee the accuracy or completeness of our recommendations
• Market conditions can change rapidly and affect investment outcomes

Data and Privacy

Your privacy and data security are paramount to us:

• We collect and process your data in accordance with our Privacy Policy
• Your financial data is encrypted and stored securely
• We do not sell or share your personal information with third parties
• You retain ownership of your data and can request deletion at any time
• We use your data solely to provide and improve our services
• All data processing complies with applicable Indian data protection laws

Fees and Payments

Our fee structure is transparent and clearly communicated:

• Basic portfolio analysis and recommendations may be provided free of charge
• Premium features and personalized advisory services may require subscription fees
• All fees will be clearly disclosed before you commit to any paid services
• Subscription fees are billed in advance and are non-refundable unless otherwise stated
• We reserve the right to change our fee structure with 30 days' notice
• You are responsible for all taxes associated with your use of our services

Intellectual Property

All intellectual property rights in our Service belong to us or our licensors:

• Our AI algorithms, software, and technology are proprietary
• You may not copy, modify, or reverse engineer our platform
• Our trademarks, logos, and brand elements are protected
• You receive a limited license to use our Service for personal purposes only
• Any feedback or suggestions you provide may be used by us without compensation

Limitation of Liability

• We provide our Service "as is" without warranties of any kind
• We are not liable for investment losses or financial decisions based on our recommendations
• Our total liability shall not exceed the fees paid by you in the preceding 12 months
• We are not responsible for third-party services or data providers
• Force majeure events are beyond our control and responsibility
• Some jurisdictions may not allow certain limitations, so these may not apply to you

Termination

Either party may terminate this agreement:

• You may terminate your account at any time through your account settings
• We may terminate or suspend your account for violation of these Terms
• We may discontinue the Service with 30 days' notice
• Upon termination, your right to use the Service ceases immediately
• We will provide you with your data upon reasonable request after termination
• Certain provisions of these Terms survive termination

Governing Law and Disputes

These Terms are governed by Indian law:

• These Terms are governed by the laws of India
• Any disputes will be subject to the jurisdiction of courts in Bangalore, Karnataka
• We encourage resolution of disputes through good faith negotiation
• Arbitration may be required for certain types of disputes
• SEBI regulations and RBI guidelines apply to our investment advisory services