This document lays out the Disclaimers that apply to the access and use of the Money Krishna Financial Services Platform (defined hereinafter) through the Website “www.moneykrishna.com” (hereinafter referred to as “Website”), its mobile application, including any other subdomain or platform which is owned, developed, managed or operated by Money Krishna Financial Services and/or its affiliates, (hereinafter referred to as “App”). Money Krishna Financial Services is a company incorporated in 2020, and having its Registered Office at 74/3, Gurulakshmi Dhanush Apartments, Vallalar Street, Padmanban Nagar, Choolaimedu, Chennai-600094, Tamil Nadu, India.

The Website, App and the other aforesaid subdomain or platform shall be collectively referred to as “Money Krishna Financial Services Platform”. The words, "You", “Your” and “User” refer to the person(s) who use and avail the services and products through the Money Krishna Financial Services Platform Website / App and shall include both singular and plural. The term “Users” for the purposes of this Disclaimer shall be read as You. Any capitalized words not described herein shall have the meaning ascribed to it in the Privacy Policy and/or Terms and Conditions of the Money Krishna Financial Services Platform.

In terms with Information Technology Act, 2000, this document is an electronic record. Being generated by a computer system, it does not require any physical or digital signatures. Your acceptance to these terms as laid down under the Disclaimer shall be considered as Your consent to use the App, the Website, platform, the services and products (collectively referred to herein as “Services”) provided by the Money Krishna Financial Services Platform in accordance with the terms and conditions laid down by Us.

Disclaimers

You acknowledge and agree that the Company has offered its Services, set its prices, and entered into this Agreement in reliance upon the limitations of liability set forth herein and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between You and the Company. The limitations of liability set forth herein form an essential basis of the bargain between You and the Company. The Company would not be able to provide the Services to you on an economically reasonable basis without these limitations. In all cases, Company and its directors, officers, employees, agents, sponsors, consultants, business partners or Service Providers, will not be liable for any loss or damage that is not reasonably foreseeable or beyond control or management of the Company or within control or management of external partners or third party service providers.

Our automated systems may collect and analyze data about Your browsing patterns or investment choices on the Money Krishna Financial Services Platform to provide You personally relevant product features, such as customized search results, tailored messages, product features and advertising and this analysis occurs as the content about Your usage is collected in Our systems. Money Krishna Financial Services Platform makes use of this data to personalise and customise Your experience on best efforts basis and urges You to make Your own investment decisions by studying and understanding the investment products. All investment decisions shall be made at Your sole discretion. Mere viewing of certain information on the App or Website does not amount to advisory.

The Money Krishna Financial Services Platform App / Website / Services may contain links, information or pointers to other websites or services for payments, information verifications, information processing, transaction processing or other required / appropriate services, however You should not infer or assume that the Money Krishna Financial Services Platform or the Company operates, controls, manages or is otherwise connected with these other websites. When You click on a link within the Money Krishna Financial Services Platform, You may or may not be warned that You have left the Money Krishna Financial Services Platform App / Website and are subject to the terms and conditions, disclaimers (including privacy policies) of another website or its partners & service providers. You are advised to read the terms of use and privacy policy of any other website before providing any confidential information or engage in any transactions. You should not rely on Our Privacy Policy, Terms and Conditions and this Disclaimer to govern Your use of another website. The Company / Money Krishna Financial Services platform shall not be responsible for the content or practices of any other website even if it links to the site and even if the website is operated by a company affiliated or otherwise connected with the Money Krishna Financial Services Platform. You acknowledge and agree that the Money Krishna Financial Services platform is not responsible or liable to You for any content or other materials hosted and served from any website other than the Money Krishna Financial Services Platform App / Website.

You understand and agree that all communication will be shared by Money Krishna Financial Services Platform to Your email id and mobile number updated under communication details as a part of user profile with the Money Krishna Financial Services Platform. In case of any change in the email id and / or mobile number at which communication needs to be shared, You shall make the necessary changes mandatorily in record with the Money Krishna Financial Services Platform or other external entities as directed by regulations or best practices in the market. You shall confirm that the information / details provided by You is true, accurate, correct and complete on the Money Krishna Financial Services Platform.

You understand that opening an account is subjected to correct, complete and accurate information provided for Know Your Client (KYC) verification as per the regulations applicable. The Money Krishna Financial Services Platform will collect all necessary information from You required for KYC verification. Such KYC information will be sent to KYC Registration Agency (KRA), Money Krishna Financial Services Platform shall not be responsible for any delay in processing the KYC request from the 3rd party agencies. The Money Krishna Financial Services Platform shall have no control on acceptance or rejection or timelines for Your KYC information.

You understand and agree that failure to provide required documentation and information may result in rejection of KYC by the Money Krishna Financial Services Platform or KRA or Exchanges / Depositories / CERSAI / any regulated entity. You agree that the Money Krishna Financial Services Platform has every right to reject the KYC application, if there is any erroneous, incomplete or misleading information provided by You or for any other reason whatsoever with / without assigning any reason or if KYC documents submitted do not comply with the KYC norms of SEBI as per regulations. The Money Krishna Financial Services Platform or KRA or Exchanges / Depositories or CERSAI or Bank or any such regulatory organization can seek additional details for completing due diligence of the User if required as per regulations or if requested by Exchanges / Depository / KRA / CERSAI / UIDAI or any such regulatory or governing agency.

Personal Information provided by You will be used by Money Krishna Financial Services Platform for opening the User’s account on the Money Krishna Financial Services Platform and processing User’s KYC and will be shared with other partners like Exchanges, Depository, KRA, CERSAI as per the regulations or on basis of regulations & guidelines covering the products & Services availed by You. User shall be responsible for providing correct Personal Information which should match with the supporting documents or information provided for verification.

We shall validate the User's bank account(s) by validating the bank account holder name against the User's name as per his or her KYC records. This may be done based on automated technology integration with User’s bank or via manual check of the corresponding details (account holder name / account number) on a cancelled cheque / account statement / passbook / bank letter etc. The Company/Money Krishna Financial Services platform shall take no liability for modification in bank account ownership details post validation, unless specified by the User and it will be the responsibility of the User to keep the bank account details updated.

The Money Krishna Financial Services Platform shall use the services of Unique Identification Authority of India (UIDAI) to facilitate KYC of the Users as per the prevailing regulations. The usage of UIDAI services will be governed by UIDAI terms and conditions. In case of any ambiguity or doubts, You are advised to verify / check with the department(s) and / or other source(s) including regulations from respective regulators or governing authorities or processes as defined by Exchanges, Depository, or other entities, and / or to obtain appropriate professional advice.

Account opening form will be generated by the Money Krishna Financial Services Platform based on the information provided by You for KYC. We shall not be held responsible or have any control over rejections made by or KRA or Exchanges / Depositories / CERSAI / any regulated entity, any KYC or regulatory bodies on the basis of information shared and submitted by You.

Transactions between You and the Company through the Money Krishna Financial Services Platform shall be governed by and construed in accordance with the laws of India. Any litigation regarding the agreements entered into or any transaction between You and the Company or any action at law or in equity arising out of or relating to these agreements or transaction shall be filed only in the Competent Courts of Chennai and You hereby agree, consent and submit to the jurisdiction of such courts for the purpose of litigating any such action.

The stock exchange, Mumbai shall not be answerable, responsible or liable to any User for any act of omissions or commission, errors, mistakes and/or of the Company its partners, agents associates and Service Providers etc., or for of any noncompliance of the rules, regulations, bye-laws of the stock exchange of Mumbai, SEBI or any other laws in force from time to time. The stock exchange, Mumbai shall not be answerable, responsible or liable for any information on the Money Krishna Financial Services Platform’s Website/App or for any services rendered by Us, Our employees and Our Service Providers.

Please note that any of Your personal details; including but not limited to, registered contact number, password, login information, email ID, date of birth, bank account, address etc., is strictly not shared with any third party i.e. any non-affiliate of Money Krishna Financial Services Platform, without Your express consent.

We or any of our affiliates, employees, agents or any Service Providers would never contact You and ask You for your personal details such as Your login information, password, Aadhaar OTP, bank account details and such other related information. Please do not provide any details to queries from calls where such information is asked by the caller who impersonates to be an affiliate of the Company/Money Krishna Financial Services Platform. For reporting any such information or for further queries with regard to this, please contact support@moneykrishna.com.