Terms of Use

1. Definitions

• "Platform" means the website at https://wealthq.ai and the associated WealthQ mobile application, including all features and services made available through them.
• "Services" means the portfolio analysis, fund rankings, market insights, conversational features and other tools made available through the Platform.
• "User Data" means all information, documents and content, including investment and financial data, that you provide, or authorise the Company to obtain, through the Platform.

2. Eligibility

You represent and warrant that you:

1. are at least 18 years of age and competent to contract under the Indian Contract Act, 1872;
2. are a resident of India and hold a valid Indian mobile number; and
3. are not barred by any applicable law from using the Platform.

3. Nature of Services

3.1 The Platform is a technology platform that provides general information and educational content relating to personal finance.

3.2 Nothing on the Platform constitutes investment advice, a research report, or a recommendation, solicitation or offer to buy or sell any security or financial product, within the meaning of the SEBI (Investment Advisers) Regulations, 2013 or the SEBI (Research Analysts) Regulations, 2014. The Company is not registered with the Securities and Exchange Board of India as an investment adviser or a research analyst.

3.3 The Company does not execute transactions on your behalf, hold your funds or securities, or access your bank accounts.

3.4 All investment decisions are taken by you at your sole discretion and risk. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance is not indicative of future returns.

3.5 Investment advisory services, if and when offered, shall be provided solely by WealthQ Advisory Private Limited ("WealthQ Advisory"), a subsidiary of the Company bearing CIN U66190KA2026PTC223828. Such services shall be offered only after WealthQ Advisory obtains registration with SEBI as an investment adviser, and only under a separate investment advisory agreement between you and WealthQ Advisory. That agreement, and not these Terms, shall govern the advisory services. The Company is not a party to it.

4. AI-Generated Content

4.1 The information made available through the Platform is curated by the Company's team. This includes fund rankings, market insights, methodologies and analytical frameworks, which the team designs, selects and periodically reviews.

4.2 The Platform uses artificial intelligence to retrieve, summarise and convey such information to you, including in a conversational form, with reference to the data you have provided. Such artificial intelligence does not make investment decisions, and its role is limited to presenting information.

4.3 Content generated by artificial intelligence is produced automatically. It is not individually reviewed by a person before delivery, and may be inaccurate, incomplete or outdated.

4.4 You shall independently verify any information before relying on it. The Company makes no representation or warranty as to the accuracy, completeness or suitability of any content generated or conveyed by artificial intelligence.

5. User Account

5.1 Access to the Platform requires registration using your mobile number and a one-time password (OTP).

5.2 You shall provide accurate and complete information, and keep it updated.

5.3 You are solely responsible for maintaining the confidentiality of your device and account, and for all activity carried out through your account.

5.4 You shall notify the Company promptly of any unauthorised use of your account.

6. User Data

6.1 You retain ownership of your User Data.

6.2 You grant the Company a non-exclusive, royalty-free licence to process User Data to provide and improve the Services. This licence includes the use of de-identified data to train and improve the Company's models, in accordance with the Privacy Policy.

6.3 You represent that any User Data relating to another person, including investment data or details of a family member, is provided with that person's consent.

7. User Obligations

You shall not:

1. use the Platform for any unlawful, fraudulent or unauthorised purpose;
2. attempt to gain unauthorised access to any account, data or system of the Company or of any other User;
3. decompile, reverse engineer or attempt to derive the source code of the Platform;
4. use automated means, including scripts and crawlers, to access the Platform; or
5. interfere with or disrupt the integrity, security or performance of the Platform.

8. Fees

The Services are presently offered free of charge. The Company reserves the right to introduce fees for any feature on prior notice to you. Fees shall be levied only with your express consent.

9. Intellectual Property

All rights, title and interest in the Platform belong exclusively to the Company and its licensors. This includes software, algorithms, fund rankings, methodologies, content, trademarks and logos. Subject to these Terms, the Company grants you a limited, non-exclusive, non-transferable and revocable licence to use the Platform for personal, non-commercial purposes.

10. Disclaimer of Warranties

The Platform and the Services are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied. The Company does not warrant that the Platform will be uninterrupted, error-free or secure. It does not guarantee any investment outcome or return.

11. Limitation of Liability

11.1 To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, special or consequential damages. This includes investment losses, loss of profits and loss of data, arising out of or in connection with the use of the Platform.

12. Indemnity

You shall indemnify and hold harmless the Company, its directors, officers and employees against all claims, losses and reasonable costs arising from:

• your breach of these Terms;
• your violation of any applicable law; or
• any User Data provided by you without the requisite right or consent.

13. Termination

13.1 You may terminate your account at any time through Profile → Deactivate account.

13.2 The Company may suspend or terminate your access, with or without notice, if you breach these Terms or if it is required to do so by law.

13.3 Clauses 3, 4 and 9 to 16 shall survive termination.

14. Amendments

The Company may amend these Terms from time to time. Material amendments shall be notified to you through the Platform or by email before they take effect. Continued use of the Platform after that date constitutes acceptance of the amended Terms.

15. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Subject to Clause 17, the courts at Bengaluru, Karnataka shall have exclusive jurisdiction over any dispute arising out of these Terms.

16. Miscellaneous

16.1 Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16.2 Waiver. No failure or delay by the Company in exercising any right shall operate as a waiver of that right.

16.3 Force majeure. The Company shall not be liable for any delay or failure in performance caused by events beyond its reasonable control.

16.4 Assignment. You may not assign your rights under these Terms. The Company may assign its rights to an affiliate or successor on notice to you.

17. Grievance Redressal

In accordance with the Information Technology Act, 2000 and the rules made thereunder, the details of the Grievance Officer are as follows:

• Name: Anmol Kumar Sinha
• Email: anmol@wealthq.ai
• Address: D1604, Bren Zahara, Owners Court Layout, Carmelaram, Bengaluru 560035, Karnataka

Grievances shall be redressed within one (1) month of receipt.

18. Contact

For any other queries, write to hello@wealthq.ai.