PLATFORM TERMS OF SERVICE

2.1 These Terms include by reference Investmint’s entire legal infrastructure (including its Privacy Policy, Cookie Policy and Disclaimers), which are an integral part of these Terms. Investmint’s legal infrastructure that regulates a user’s access and use of the Investmint Platform is available at the URL https://www.investmint.club/terms-conditions. 

2.2 Investmint may revise these Terms from time to time, by uploading the updated version of these Terms at the URL https://www.investmint.club/terms-conditions and notifying its users of such revision. By continuing to access and/or use the Investmint Platform, or by availing any of the services offered by Investmint thereafter, a user will be considered to have accepted the provisions of these updated Terms.

2.3 The use by a user of the Investment Platform may involve services provided by third-party service providers (“Third-party Service Providers”). In respect of such services, the relevant service terms of the respective Third-party Service Providers will apply to such user.

2.4 The use of the Investment Platform may be subject to additional terms which may be associated with certain events (such as promotions) or to certain features (such as features in beta mode). Investmint will notify these additional terms to the users from time to time and may be applicable to users who opt to participate in such events or to use such features.

3.1 The Investmint Platform allows users to create a user account. A user may browse the Investmint Platform over its website without creating a user account. However, some of the features of the Investmint Platform may be not be available unless accessed through a user account over Investmint’s mobile app. At the time of creating a user account, the user will be required to submit certain information about themselves. Investmint or Third-party Service Providers may not verify the information so provided; it is the user’s responsibility to ensure that all information provided by them is true and accurate. It is recommended that users keep their account information current.

3.2 A user’s access of their user account is based on a system of authentication using either a username and password, using an OAuth function, or using a one-time password linked to the user’s phone number and/or email address (such authentication system in each case being referred to as “Access Protocol”). A user is solely responsible for ensuring the security and privacy of their Access Protocol. Investmint will consider all actions conducted under an authenticated user account to have originated from the concerned user. A user must notify Investmint immediately in writing if they believe that their Access Protocol is compromised, or if any unauthorised access has occurred of or through their user account, or if any other breach of security has occurred with respect to their user account. Notwithstanding such notification, Investmint will not be liable for any loss that may be incurred by them as a result of an unauthorised access to their user account by reason of compromised Access Protocol.

3.3 Investmint may use the details provided by a user to send announcements, messages, or other information. Users may elect to opt out of such communication, unless they pertain to delivery of services or associated matters.

3.4 Investmint may, at its sole discretion, curtail a user’s access to the Investmint Platform without the need to assign a reason if 
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(a) the user is in breach of any provisions of these Terms.
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(b) Investmint is unable to verify or authenticate any information provided by the user.
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 (c) Investmint has reason to believe that the user’s actions may infringe on any third-party rights, breach any applicable law, or violate any order of a court or an executive authority, or are otherwise detrimental to its goodwill or may adversely affect the conduct of its business. If a user’s access has been curtailed, withheld, suspended, or terminated, then such user shall not attempt to re-register themselves on the Investmint Platform or to use the Investmint Platform in any manner whatsoever.

3.5 Investmint reserves the right, at its sole discretion, to withhold, to suspend or to terminate a user’s access to the Investmint Platform without prior notice for any reasonable cause which may include routine maintenance activity and the findings of a fraud detection audit activity.

3.6 The remedies available to Investmint hereunder are without prejudice to its entitlements under the law, including the right to recover any amount due to be paid by a user and to pursue such legal action as may be deemed necessary by Investmint.

4.1 A user may read the open content published on the Investmint Platform and review the various products and services offered by or over the Investmint Platform without any obligation.

4.2 A user may use the Investmint Platform for the following purposes.

(a) To subscribe to the services of associated SEBI-Registered research analysts over the Investmint Platform. The scope and the commercial terms associated with such subscriptions shall be as per the Terms of Service offered by the concerned Research Analyst.

(b) To receive recommendations and research reports issued by the research analysts as per the terms of the services subscribed to by them. Users will be notified about the issue of a recommendation and about the publication of the corresponding research report through one or more of email, SMS message, WhatsApp message, or a notification over Investmint’s mobile app.

 (c) To prompt the user to take action regarding a recommendation made under one or more research model offered by research analyst, if the user so desires. Such prompt shall be enabled by the user by way of receiving a system notification generated by the Investmint mobile app. It is clarified that such prompt is not a recommendation made by Investmint Platform and is merely facilitation of communication between you and the SEBI-registered research analyst.

(d) To execute the recommendations contained in the research report. Investmint will facilitate the placement of trading orders by a user with their associated stock broker through APIs provided by the stock broker. This facility will not be available in case where the user’s stock broker is not associated with the Investmint Platform or where the user’s stock broker has not provided such APIs. It is hereby clarified that you will be able to transact in Securities only through your stock broker. You will be required to maintain adequate balance with your stock broke to execute a trade. Investmint Platform is not a trading terminal, all the execution of the trade in stocks and securities is performed by stock brokers on their online trading platform. In order to transact in stocks and securities, you may be required to open a trading and/or a demat account with the concerned stock broker if you do not have such an account.

4.3 Some of the functions of the Investmint Platform, by their very nature, are available exclusively over Investmint’s mobile app and require an internet connection to operate fully. For example, the generation of notifications depends on the system settings of the mobile device on which the Investmint app is installed, and requires such device to be connected to the internet. Users must download the Investmint mobile app to access the Investmint Platform and should ensure that the concerned device has a stable access to internet for the functionalities to perform as intended.

4.4 While transacting in a Security or combination of Securities recommended by a SEBI-registered intermediary under a concerned research model, you may be recommended to take certain action within a specified time or a price range, as the case may be. We are not responsible in case you fail to action the recommendations made in the research report in a timely manner. You are advised to read the research report and the recommendations made therein carefully before making any transaction in a Security or combination of Securities. 

4.5 Investmint Platform allows you to access an investment calculator which is an online tool that can help to calculate your investments while participating in a particular research model offered by the SEBI-registered research analyst. You may accept or fill-in an amount that you wish to invest in the research model offered by the SEBI-registered research analyst. You may note that the default amount flashed on the screen is merely an indicative number and is not recommendation made by the SEBI-registered research analyst and/or the Investmint Platform. You are not required to make an actual investment for using the investment calculator. All transactions in Securities can be made only through your stock broker. You may please note that the performance of any investment strategy or securities are subject to market risk. Investments in the securities market are subject to market risks and you should read all the related documents carefully and make an independent evaluation before investing.

5.1 Investmint may charge the user a platform subscription fee (“Platform Fee”) for the use by the user of the Investmint Platform as listed in section 4.2 above. The Platform Fee will be applicable in respect of a subscription to one or more research models offered by research analysts and will be displayed at the time of subscription to such services. The Platform Fee will be charged for the period of the concerned subscription fully in advance as a flat-fee.

5.2 Research analysts registered on the Investmint Platform may offer remissions on their fees in case of bundled subscriptions i.e., subscription to more than one particular research model under a particular subscription plan. The subscription fee payable in respect of such combination shall be displayed along with the Platform Fee to the user at the time of subscription to such bundled subscription. Subscription fee paid by you for a particular subscription plan is appropriated amongst the research analysts based on the research models offered by them under the particular subscription plan.

5.3 All fees are non-refundable and non-transferable, regardless of the circumstances in which a user may claim for a refund or transfer of credit of fees.

5.4 In addition to the Platform Fees and subscription fees of a research analyst, the user may incur charges that are conventional in trading of Securities, such as brokerage, demat account fees, depository fees, securities transaction tax, etc., which are to be borne exclusively by the user in the course of their trading over the Investmint Platform.

6.1 Any personal information or details belonging to a user that are provided by the user while availing or accessing the Investmint Platform, belong solely to the concerned user.

6.2 In consideration of a user’s acceptance and continuing compliance with the provisions of these Terms, Investmint grants the user a restricted, revocable, non-exclusive, non-transferable license (“License”) to access and use the Investmint Platform. The License is revocable at-will, without issue of prior notice.

6.3 Investmint (and its licensors, where applicable) own all right, title and interest, including all related intellectual property rights, in and to the content featured on the Investmint Platform, the service rendered thereby. Investmint exclusively owns all intellectual property rights in all suggestions, ideas, enhancement requests, feedback, recommendations or other information provided by a user or any other party to Investmint. A user may not create, prepare, distribute, exchange, copy, adapt, modify, sell, transmit, publicly display, publicly perform, broadcast any work which is a derivative of or which is based upon such intellectual property.

6.4 These Terms do not convey to a user any rights of ownership in or related to the Investmint Platform or the intellectual property rights owned by Investmint or by its licensors. The Investmint name, the Investmint logo, and the names associated with the Investmint Platform are trademarks of Investmint and other third parties, and no right of any nature therein is granted to a user.

6.5 The License granted by Investmint to user to access and use the Investmint Platform may be automatically revoked without any forenotice in case of the user attempts, indulges in, or encourages any of the following.

 (a) a breach of any provisions of these Terms.
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 (b) a violation of any law or regulation or any order of a court or an executive authority that disallows or otherwise restricts the user from conducting transactions in Securities or in the capital markets.
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 (c) use of manual or automated software, devices, scripts robots, other means or processes to access, "scrape," "crawl" or "spider" any web pages or other assets of or related to the Investmint Platform.

 (d) use of the Investmint Platform for any purpose that is not expressly permitted by these Terms.

 (e) copying, storage or otherwise accessing of any information contained on or related to the Investmint Platform for purposes not expressly permitted by these Terms.

(f) infringement of the rights of any person or entity, including without limitation, intellectual property rights, privacy rights, publicity rights or contractual rights.

 (g) interference with the working of the Investmint Platform, including, without limitation, through the use of viruses, cancel bots, trojans, harmful code, flood pings, denial-of-service attacks, packet or IP spoofing, forged routing or electronic mail address information or similar methods or technology.

 (h) use of the Investmint Platform to transmit, distribute, post or submit any information that may be immoral, illegal or otherwise undesirable.

 (i) immoral, illegal or otherwise undesirable conduct in respect of the Investmint Platform any person or entity associated therewith.

 (j) registration for more than one user account or registration of a user account on behalf of another person without express permission of such other person.

 (k) a probe, scan or test of vulnerability of the Investmint Platform.

 (l) a breach or bypass of any security or authentication measures.

(m) an action to decipher, decompile, disassemble or reverse engineer any of the software used in the Investmint Platform, or to provide the services, products or content. This right of Investmint is without prejudice to its other rights under the applicable law.

7.1 By accepting the provision of these Terms, the user represents to Investmint that

(a) they are a person ‘competent to contract’ under the Indian Contract Act, 1872 and are not disqualified from accessing and using the Investmint Platform as is generally expected by either operation of law (including by reason of their domicile or citizenship), by the order of a court or any statutory authority, or by provisions of any contract by which they are bound.

(b) they are not disqualified from transacting in Securities in the Indian capital markets.

(c) they have reviewed all the legal documents available at the URL https://www.investmint.club/terms-conditions and have satisfied themselves about their ability and willingness to comply with the provisions of these documents.

(d) they will not knowingly breach any of the aforementioned representations, and they will promptly cease their use of the Investmint Platform if their position concerning any of the aforementioned representations changes in any manner.

7.2 Investmint reserves the right to take suitable action without forenotice, which may include suspension or revocation of the user’s account access and rights, in case any of these representation or warranties are found to be false or incorrect at any time.

8.1 Other than as expressly set out in these Terms, Investmint and Third-party Service Providers make no specific promises, extend no assurances, and provide no guarantees about the services provided or about the outcome of such services.

8.2 Investments in Securities are subject to various risks, including market-related risks. Users must read and understand all investment-related documents carefully before making a decision to invest. Investmint advises its users to obtain expert professional advice with regard to specific legal, tax and financial implications of any potential investment decision before investing.

8.3 Investmint provides no guarantee to users of, and does not assure users of, any fixed return, or a return on investment at all or even a return of their principal investment.

8.4 The user acknowledges and agrees that the Investmint Platform is provided on an “as-is,” and “as-available” basis, without warranty of any kind, either express or implied, to the maximum extent permitted by applicable laws. Except as expressly set out in these Terms, Investmint expressly disclaims any and all promises, representations and warranties, whether express or implied, including, but not limited to, any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, system integration and/or data accuracy in connection with use of the Investmint Platform. Investmint does not warrant that the Investmint Platform, any application service or any other services provided by Investmint will meet the user’s requirements or that the operation of the Investmint Platform, any application service or any other services will be uninterrupted or error-free, or that all errors will be corrected. Investmint makes no warranty regarding the quality of the Investmint Platform and the associated services, or a user’s ability to use the Investmint Platform, or the timeliness, truthfulness, completeness or reliability of any information obtained through the Investmint Platform.

8.5 Information is provided over the Investmint Platform on a best-effort basis and should not be regarded as be verified by Investmint for accuracy or completeness.

8.6 A user is solely responsible for all of their communications and interactions through the Investmint Platform with a third-party, including, without limitation, research analysts and stock brokers. Investmint makes no representations or warranties as the conduct or quality of services of such third-parties.

9.1 Notwithstanding anything to the contrary contained elsewhere, the total liability of Investmint to a user for all claims arising from or relating to these Terms, including, without limitation, any claim for indemnification or any cause of action arising in contract, tort, or strict liability, will not exceed Rs. 1,000/- (Rupees One Thousand only). The user agrees that given the nature of services to be provided by Investmint being merely those of a technology platform, this limitation of liability is fair, equitable and reasonable. The user acknowledges that their acceptance of this limitation of liability is the basis of the legally binding agreement constituted hereby and that absent such acceptance, this agreement would not have been consented to by Investmint.

9.2 To the maximum extent permitted by law, the entire risks, damages and losses accruing to a user out of their use of the Investmint Platform remains with the user, irrespective of the cause of such risk, damage or loss. Investmint or its employees, representatives, agents, contractors, and licensors involved in creating or operating the Investmint Platform are not liable for any losses, regardless of 

(a) the basis of such losses including delay or non-performance by Investmint or Third-party Service Providers, server error, service interruption, system failure, etc. and


(b) the nature of such losses such as lost profits, loss of data, loss of goodwill, computer damage, or the cost of substitute products or services, or personal or bodily injury or emotional distress arising out of or in connection with the user’s use of the Investmint Platform, etc., whether the claim for such losses is based on warranty, contract, law, tort (including negligence), product, content or service liability and irrespective of whether or not Investmint has been informed of the possibility of such damage, even if a limited remedy set forth herein is found to have failed its essential purpose.

9.3 Notwithstanding any provision to the contrary, in respect of any loss or claims arising due to any deficiency or delay in rendering of the services related to the Investmint Platform, the user’s exclusive remedy and the entire liability of Investmint shall be the correction of such deficiency or delay on a going forward basis.

9.4 In no event shall Investmint or Third-Party Service Providers be liable to a user or to a third-party in respect of any matter arising from or incidental to the use of the Investmint Platform for special, indirect, incidental or consequential damages.

9.5 Notwithstanding any provision to the contrary, in respect of any loss or claims arising due to any deficiency or delay in rendering of the serThe disclaimers, exclusions and limitations of liability set forth in herein form an essential basis of the contract between the user and Investmint. Investmint places reliance on the user’s acceptance of these Terms (including disclaimers, exclusions and limitations of liability) to agree to the provisions of these Terms, and that absent such disclaimers, exclusions and limitations of liability, the agreement constituted hereby would not have been consented to by Investmint.

10.1 The user agrees to release, defend, indemnify, and hold Investmint and its affiliates and subsidiaries, officers, directors, employees, contractors, sub-contractors and agents, harmless from and against any claims including third-party claims, liabilities, damages, losses, and expenses, including, without limitation, legal fees, arising out of or in any way connected with the breach of any provision of these Terms by the user.

10. 2. Investmint acknowledges and agrees to defend, indemnify, and hold the user harmless from and against any third-party claims arising out of infringement of any third-party intellectual properties in respect of the Investmint Platform (“Infringement Claims”) if the user provides Investmint with prior written notice of such third-party claims and gives Investmint the control to defend and settle any claim as per its exclusive discretion. In such a case, Investmint shall arrange for legal representative to defend the user and will hold the user harmless against any cost levied upon the user by the applicable judicial forum.

11.1. If Investmint cannot perform its obligations hereunder due to an act of God such as a pandemic, an epidemic, government decisions, labour unrest, insolvency, business exigencies, operational and technical issues, international events, change in climate, change in laws, terrorist activity, refusal or delay in performance by Third-party Service Providers, technological issues, server failures, or any other reason beyond the control of Investmint , then Investmint will be excused from such performance to the extent of such prevention, restriction or interference for the period that it persists.

11. 2.A user will not directly or indirectly, disparage or denigrate or encourage others to disparage or denigrate Investmint or the Investmint Platform. A user shall not do any act which would adversely affect Investmint, the conduct of its business, or its business reputation. For purposes of this provision, the term “disparage” includes without limitation

 (a) any comments or statements or inputs orally or in writing made in any matter or medium in the press or the media whether digital or otherwise or any other social networking sites.

 (b) any publications, post, or otherwise release of any material in written, oral or electronic format.

(c) any speeches, interviews, or public statements that mentions Investmint, its operations, clients, employees, products, or services.

11. 3 A user will not, directly or indirectly solicit, encourage, facilitate, hire, engage, employ, coerce or induce any third party (including its employees) to curtail their business relationship with Investmint. This restriction excludes recruitments conducted pursuant to a non-targeted, general campaign.

11.4 Nothing contained in these Terms constitute a relationship akin to a partnership or joint venture between Investmint and a user or constitute one of them to be a representative or an agent of the other.

11.5 No third-party shall be entitled to make a claim under these Terms against Investmint.

11.6 If a court finds any provision of these Terms, or portion thereof to be unenforceable, then 

(a) the remainder of these Terms shall continue in full force and effect, and

 (b) the impugned provision will be modified to the least extent possible so as to render it enforceable. The invalidity or unenforceability of any provisions of these Terms in any jurisdiction shall not affect the validity, legality or enforceability of these Terms in any other jurisdiction.

11. 7 All disputes arising out of or in connection with these Terms shall be resolved by arbitration as per the Indian Arbitration and Conciliation Act, 1996 (as amended). The arbitration shall be conducted in Bengaluru by a sole arbitrator jointly appointed by the concerned user(s) and Investmint. If these parties are unable to decide on an arbitrator within thirty (30) days, then any of them may apply to the Hon’ble Karnataka High Court under section 11 of the Arbitration and Conciliation Act, 1996 for such appointment. The arbitration shall be conducted in the English language. The arbitral award shall be final and binding upon Investmint and the concerned user(s).

11.8 These Terms are subject to the exclusive jurisdiction of the tribunals and courts in Bengaluru, Karnataka.

This document contains the disclaimers that apply to an intended or actual transaction involving securities. PLEASE READ THIS DOCUMENT CAREFULLY BEFORE TRANSACTING IN SECURITIES. If you have a disagreement with any part of this document, then you should not transact in securities. By transacting in stocks and securities, whether on the Investmint Platform or otherwise, you accept the disclaimers contained herein and confirm that the exclusions and limitations of liability set out in this document are reasonable.

1. Toolbox Technologies Private Limited offers a proprietary technology platform (“the Investmint Platform”) which comprises the web portal at www.investmint.club, and APIs, SDKs, tools, plugins, code, technology, content, and services linked thereto that, inter alia, facilitate through technology the interaction of the users of the Investmint Platform with SEBI-registered research analysts and SEBI-registered stock brokers.

2. Toolbox Technologies Private Limited is not a SEBI-registered entity and it does not issue research reports or make recommendations. It is merely a technology company that facilitates coordination between its users and the SEBI-registered research analysts and SEBI-registered stock brokers.

3. The Investmint Platform enables its users to subscribe to a series of the research reports issued by associated SEBI-registered research analysts under a particular research model. A user may, if they so elect, act upon the recommendations contained in such research reports through the Investmint Platform by placing orders for execution of transactions in Securities with their SEBI-registered stock brokers associated with Investmint Platform.

4. The Investmint Platform does not offer any research recommendation or distribute research reports. The facts and figures which appear in the context of any recommendation or a research report are not an advice or recommendation to invest and are provided merely for the purpose of providing information on a best-effort basis. These should not be considered as an inducement or solicitation to invest. Performance related information provided has not been verified by SEBI.

5. The liability of Toolbox Technologies Private Limited is limited in all cases as specified in the Platform Terms of Service document. The provisions of the Platform Terms of Service document are deemed to have been incorporated herein by reference. By using Investmint Platform, you agree to this limitation of liability.

6. The SEBI-registered intermediaries that are involved in the Investmint Platform viz., stock brokers and research analysts are verified by Investmint Platform to be registered with the SEBI at the time of their registration; however, Investmint Platform does not monitor their good-standing on a periodic basis. Such intermediaries are responsible to ensure compliance with the terms of their registration and with the applicable laws; Investmint does not monitor such compliance. Toolbox Technologies Private Limited has neither the authority, nor the obligation, to enquire into the business affairs and the conduct of business of such intermediaries. You are advised to examine the terms of business of such intermediaries and to evaluate the services offered by them before transacting with them.

7. The Investmint Platform is not a trading terminal; the execution of the trade in stocks and securities is performed by stock brokers on their online trading platform. In order to transact in stocks and securities, you may be required to open a trading and/or a demat account with the concerned stock broker if you do not have such an account.

8. Based on the data available at Investmint Platform, it may publish fact-based views and opinions regarding, inter alia, securities and the services offered using the Investmint Platform. Toolbox Technologies Private Limited does not recommend any securities or services offered using the Investmint Platform, and will not be liable for any loss of whatsoever nature arising therefrom.

9. The content and data available on Investmint Platform, including but not limited to index value, return numbers and rationale are for information and illustration purposes only. Data used for calculation of returns and other information is provided on the Investmint Platform is neither audited nor validated by Toolbox Technologies Private Limited. Unless otherwise stated, the percentage returns displayed on the Investmint Platform for comparing the performance of securities with that of any benchmark asset are Compound Annual Growth Rate (CAGR) and risk levels and composition shown in the weightages sections on the Investmint Platform are only for reference.

10. While care has been taken in preparing the contents provided on the Investmint Platform, such contents are provided to you on an “as is” and “as available” basis, without warranty of any kind either express or implied. In particular, no warranty regarding accuracy, suitability or relevance for a particular purpose is given in relation to such contents. Toolbox Technologies Private Limited, its directors, and its employees make no representations, endorsements or warranties of any kind about the services, content, information and/or data contained on the Investmint Platform.

11. Some of the functions of the Investmint Platform, by their very nature, are available exclusively over Investmint’s mobile app and require an internet connection to operate fully. For example, the generation of notifications depends on the system settings of the mobile device on which the Investmint app is installed, and requires such device to be connected to the internet. You must download the Investmint mobile app to access the Investmint Platform and should ensure that the concerned device has a stable access to internet for the functionalities to perform as intended