Fin Lad Investments operates as a financial services and advisory firm. We are committed to complying with all applicable laws, regulations, and guidelines governing financial advisory and investment-related services in India.Unless explicitly stated, Fin Lad Investments is not registered with the Securities and Exchange Board of India (SEBI) as an Investment Advisor or Portfolio Manager. Any services provided are limited to general financial guidance, research-based insights, and support services, and should not be construed as regulated investment advisory services.If applicable (edit as needed):
Fin Lad Investments may be associated with registered intermediaries, including SEBI-registered entities, for execution or distribution purposes.
General Disclaimer: The information, content, and services provided by Fin Lad Investments are for informational and educational purposes only and do not constitute:Investment advice, Financial planning, advice, Legal or tax advice, Recommendation to buy, sell, or hold any securities or financial products.
All investment decisions should be made independently by the client after conducting their own research or consulting with a licensed financial advisor.
Risk Disclosure: Investments in securities markets are subject to market risks, including the possible loss of principal. Past performance is not indicative of future results.Fin Lad Investments does not guarantee:Returns on investmentsAccuracy or completeness of informationSuitability of any investment strategy for a particular individual
No Liability Clause: Fin Lad Investments, its owners, employees, or affiliates shall not be held liable for any direct, indirect, incidental, or consequential loss arising from:Use of information providedInvestment decisions taken by clientsMarket fluctuations or unforeseen events
Third-Party Links & Services: Any references to third-party platforms, brokers, or financial products are provided for convenience only. Fin Lad Investments does not endorse or take responsibility for the performance or reliability of such third parties.
Client Responsibility: Clients are solely responsible for:Evaluating risksEnsuring suitability of investmentsCompliance with applicable tax and legal obligations
Contact For any clarifications regarding this disclaimer, please contact:
Fin Lad Investments
contact@finlad.investments
Account Registration: To access certain services offered by Fin Lad Investments, users may be required to create an account by providing accurate, complete, and up-to-date information.By registering, you agree that:All information provided is true and correctYou will update your details if any changes occurYou are legally eligible to enter into a binding agreement
Account Security: You are responsible for maintaining the confidentiality of your account credentials, including your username and password.You agree to:Not share your login credentials with any third partyNotify us immediately of any unauthorized access or breachEnsure secure access to your accountFin Lad Investments shall not be liable for any loss arising from unauthorized use of your account.
KYC & Verification (If Applicable): Certain services may require Know Your Customer (KYC) verification in accordance with regulatory requirements.Users may be required to submit:Identity proof (PAN, Aadhaar, etc.)Address proofOther financial or compliance-related documentsFailure to complete KYC may result in restricted access to services.
Permitted Use: Users agree to use their account only for lawful purposes and in compliance with applicable laws and regulations.You must not:Use the platform for fraudulent activitiesMisrepresent identity or financial informationAttempt to gain unauthorized access to other accounts or systems
Account Suspension or Termination: Fin Lad Investments reserves the right to suspend or terminate user accounts without prior notice if:There is a violation of terms or applicable lawsSuspicious or fraudulent activity is detectedRequired information or KYC is not provided
Data Privacy: User data will be handled in accordance with our Privacy Policy. We take reasonable measures to protect your personal and financial information.
Limitation of Liability: Fin Lad Investments is not responsible for:Losses arising from unauthorized account accessTechnical issues, downtime, or system failuresUser negligence in safeguarding login credentials
Account Closure: Users may request account closure at any time by contacting support. Upon closure:Access to services will be terminatedData retention will be subject to legal and regulatory requirements
Acceptance of Terms: By accessing or using the services provided by Fin Lad Investments, you agree to comply with these terms and all applicable laws and regulations.
Permitted Use: You may use our platform and services solely for lawful purposes, including:Accessing financial information and insightsManaging your account and profileAvailing services offered by Fin Lad InvestmentsYou agree to use the platform responsibly and ethically.
Prohibited Activities: Users must not:Violate any applicable laws or regulationsUse the platform for fraudulent or misleading activitiesAttempt unauthorized access to systems, servers, or other user accountsDistribute malware, viruses, or harmful codeCopy, reproduce, or exploit content without permission
Access Restrictions: Fin Lad Investments reserves the right to:Modify, suspend, or discontinue any part of the platform without noticeRestrict or block access to users who violate policiesLimit availability of services based on location or regulatory requirements
Service AvailabilityWhile we strive to ensure uninterrupted access, Fin Lad Investments does not guarantee:Continuous or error-free serviceImmediate availability at all timesAccess may be affected by maintenance, updates, or unforeseen technical issues.
Third-Party AccessOur platform may include links or integrations with third-party services. Fin Lad Investments:Does not control third-party platformsIs not responsible for their content, policies, or performanceUsers access such services at their own risk.
User ResponsibilitiesYou are responsible for:Maintaining the confidentiality of your login credentialsEnsuring your device and network securityUsing the platform in compliance with all applicable laws
Limitation of AccessWe reserve the right to suspend or terminate access if:There is a breach of this policySuspicious or harmful activity is detectedRequired compliance (e.g., KYC) is not fulfilled
Updates to PolicyFin Lad Investments may update this Usage & Access Policy from time to time. Continued use of the platform constitutes acceptance of such updates.
Payment TermsBy availing services from Fin Lad Investments, you agree to pay all applicable fees, charges, and taxes associated with the selected services.All payments must be made in United States Dollor (USD) unless otherwise specifiedFees may vary depending on the nature and scope of servicesPayments must be completed before access to certain services is granted
Billing StructureFin Lad Investments may offer services under:One-time feesSubscription-based plans (monthly/quarterly/annual)Customized pricing (based on client requirements)Details of pricing and billing cycles will be communicated clearly at the time of purchase.
Payment MethodsWe accept payments through secure and authorized channels such as:UPINet BankingDebit/Credit CardsPayment gatewaysAll transactions are processed through third-party payment providers, and we do not store sensitive payment information.
InvoicingUsers are responsible for verifying billing details and notifying us of discrepancies within a reasonable time
Refund & Cancellation PolicyUnless otherwise specified:Fees paid are non-refundable once services have been initiated or deliveredSubscription services may be canceled before the next billing cycle to avoid future chargesAny refund, if approved, will be processed at the sole discretion of Fin Lad Investments
Late PaymentsDelayed payments may result in suspension or restriction of servicesAdditional charges or penalties may be applied where applicable
TaxesAll fees are exclusive of applicable taxes, including GST, unless stated otherwise.
Users are responsible for paying any applicable taxes as per Indian laws.
Pricing ChangesFin Lad Investments reserves the right to:Modify pricing at any timeIntroduce new charges for additional servicesUsers will be informed in advance for any changes affecting ongoing subscriptions.
Chargebacks & DisputesUsers agree not to initiate chargebacks without first contacting Fin Lad InvestmentsAny fraudulent disputes may lead to account suspension and legal action
Limitation of LiabilityFin Lad Investments shall not be responsible for:Payment failures due to banking or technical issuesDelays caused by third-party payment processors
Fin Lad Investments is committed to protecting the privacy and security of your personal data. This policy explains how we collect, use, store, and safeguard your information when you interact with our services.
Information We CollectWe may collect the following types of data:
Personal InformationNameContact details (email, phone number)Date of birthPAN, Aadhaar (for KYC, if applicable)
Financial InformationBank details (only when necessary for transactions)Investment preferences and financial goals
Technical InformationIP addressDevice and browser informationUsage data and cookies
Purpose of Data CollectionYour data is collected for:Providing and managing our servicesAccount creation and authenticationKYC and regulatory complianceProcessing payments and transactionsImproving user experience and platform performanceCommunication, updates, and support
Legal Basis for ProcessingWe process your personal data based on:Your consentLegal and regulatory obligationsPerformance of a contractLegitimate business interests
Data Sharing & DisclosureWe do not sell your personal data. However, we may share information with:Regulatory authorities (if required by law)Trusted third-party service providers (payment gateways, KYC agencies, etc.)Partner institutions (only with your consent, where applicable)All third parties are obligated to maintain confidentiality and data security.
Data Storage & SecurityWe implement appropriate technical and organizational measures to protect your data, including:Encryption and secure serversAccess controls and authenticationRegular monitoring and updatesDespite best efforts, no system is completely secure, and users share data at their own risk.
Data RetentionYour personal data will be retained:As long as necessary to fulfill the purposes outlined in this policyAs required under applicable laws and regulationsAfter this period, data will be securely deleted or anonymized.
User RightsUnder applicable laws, you have the right to:Access your personal dataRequest correction or updatesWithdraw consent (where applicable)Request deletion of your data (subject to legal requirements)Requests can be made through our contact details below.
Cookies & TrackingWe may use cookies and similar technologies to:Enhance user experienceAnalyze website trafficPersonalize contentUsers can manage cookie preferences through browser settings.
Third-Party LinksOur platform may contain links to third-party websites. Fin Lad Investments is not responsible for their privacy practices or content.
Policy UpdatesWe may update this Data Privacy Policy from time to time. Users will be notified of significant changes where required.
Ownership of Intellectual PropertyAll content, materials, and intellectual property displayed or made available on the platform of Fin Lad Investments, including but not limited to:Logos and trademarksBrand name and identityWebsite design and layoutText, graphics, reports, and research materialsSoftware, tools, and featuresare the exclusive property of Fin Lad Investments, unless otherwise stated, and are protected under applicable intellectual property laws of India.
Permitted UseUsers are granted a limited, non-exclusive, non-transferable license to access and use the platform solely for personal and lawful purposes.You may:View and use content for personal referenceDownload or print materials for non-commercial use (where permitted)
Restricted UseUsers must not, without prior written consent from Fin Lad Investments:Copy, reproduce, distribute, or modify any contentUse content for commercial purposesReverse engineer, decompile, or attempt to extract source codeUse trademarks, logos, or brand elements in any mannerTrademarks“Fin Lad Investments”, its logo, and related branding elements are trademarks (whether registered or unregistered) of Fin Lad Investments.Unauthorized use of these trademarks is strictly prohibited and may result in legal action.
Third-Party Intellectual PropertyAny third-party content, trademarks, or materials appearing on the platform are the property of their respective owners. Their use is subject to the respective terms and conditions of such owners.
User-Generated Content (If Applicable)If users submit or upload content (e.g., reviews, feedback):You grant Fin Lad Investments a non-exclusive, royalty-free, worldwide license to use, reproduce, and display such contentYou confirm that you own or have rights to share such content
Reporting InfringementIf you believe that your intellectual property rights have been infringed, please contact us with:Details of the alleged infringementProof of ownershipContact informationWe will review and take appropriate action in accordance with applicable laws.
Enforcement of RightsFin Lad Investments reserves the right to take legal action against any unauthorized use, infringement, or violation of its intellectual property rights.
ContactFor IP-related concerns or permissions:
Fin Lad Investments
contact@finlad.investments
Service CancellationUsers may request cancellation of services offered by Fin Lad Investments subject to the terms outlined below.Cancellation requests must be made through official communication channels (email/support)Requests will be processed within a reasonable timeframe
Subscription CancellationFor subscription-based services:Users may cancel their subscription at any time before the next billing cycleCancellation will prevent future billing but will not affect services already paid forAccess to services will continue until the end of the current subscription period
One-Time ServicesFor one-time or fixed-fee services:Cancellation is allowed only if the service has not yet been initiatedOnce the service has commenced or been delivered, cancellation may not be permitted
Refund on CancellationRefunds, if applicable, will be processed in accordance with our
Refund PolicyGenerally, fees are non-refundable once services are initiatedAny approved refunds will be processed within a reasonable time
Cancellation by Fin Lad InvestmentsFin Lad Investments reserves the right to cancel or suspend services:In case of violation of terms or policiesDue to regulatory or compliance requirementsIn case of fraudulent or suspicious activityIn such cases, refunds (if any) will be handled at the sole discretion of the company.
No-Show / Non-UtilizationFailure to use or access a service after purchase does not automatically qualify for cancellation or refund
How to Request CancellationUsers can request cancellation by contacting:Fin Lad Investments
contact@finlad.investments
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