Terms of service

[PLACEHOLDER: This document has not been reviewed by a lawyer. Have counsel familiar with Indian financial services regulation review and complete it before launch.]

Who we are

This website is operated by [PLACEHOLDER: registered company name], CIN [PLACEHOLDER], with its registered office at [PLACEHOLDER: address] ("PortfolioHub", "we", "us").

What this website is

This website is informational. Nothing on it constitutes investment advice, a recommendation, a solicitation or an offer to buy or sell any security, commodity, derivative or crypto asset. Content is general in nature and takes no account of your objectives, financial situation or needs.

No client relationship arises from using this website. A relationship begins only when a written mandate is signed, onboarding and KYC are complete, and we have confirmed acceptance in writing.

Eligibility

You must be at least 18 years old and legally competent to contract under the Indian Contract Act, 1872. Services are offered to residents of India. [PLACEHOLDER: state your position on NRI clients, which carries additional FEMA and tax obligations.]

Market data

Prices shown on this website are indicative reference rates supplied by third parties. They may be delayed, incomplete or wrong. They are not executable quotes. We do not warrant their accuracy and accept no liability for decisions taken in reliance on them.

Calculators

The calculators produce arithmetic scenarios from inputs you provide. They are not projections, forecasts, guarantees or offers. Outputs exclude tax, fees, inflation and transaction costs except where explicitly stated.

Your obligations

You agree to provide accurate and complete information during onboarding, to keep your KYC current, to notify us of material changes in your circumstances, and not to use our services for any unlawful purpose including money laundering or terrorist financing.

Fees

Fees are set out in your mandate. Third-party costs — brokerage, exchange charges, statutory levies, custody, and making charges on physical gold — are passed through at actual. [PLACEHOLDER: confirm this reflects your actual billing practice.]

Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special or consequential loss, or for loss of profit or opportunity, arising from your use of this website. Nothing in these terms excludes liability that cannot lawfully be excluded, including liability for fraud. [PLACEHOLDER: have counsel set an appropriate liability cap for engaged services.]

Intellectual property

All content on this website is owned by us or our licensors. You may read and share it. You may not reproduce it commercially without written permission.

Termination

[PLACEHOLDER: state notice periods, the exit process for each service, and how assets are returned on termination.]

Governing law

These terms are governed by the laws of India. The courts at [PLACEHOLDER: city] have exclusive jurisdiction. [PLACEHOLDER: add an arbitration clause if you intend to use one.]

Changes

We may update these terms. Material changes will be notified to engaged clients. The version in force is the one published here on the date of your use.

Contact

[PLACEHOLDER: grievance officer name, email and phone.]