Terms of Service

  1. INTRODUCTION
  2. Thank you for using Finteller Advisors Private Limited’s (hereinafter referred to as “GoalTeller") platform (hereinafter referred to as the “Platform") and Services (as defined below) through GoalTeller’s mobile application and website (hereinafter referred to as the “App” or “Website”, as the context may require). This Terms of Service (hereinafter referred to as the “Agreement” or “Terms of Service”) is a legally binding agreement between you (hereinafter referred to as the “You”, “Your”, "User(s)” and the meaning shall include members of Your family sub-accounts) and GoalTeller and/or affiliates (together referred to as “We”, “Us” or “Our(s)”), governing the rights and obligations between You and GoalTeller in respect of the Platform and Services.

    You acknowledge and agree that Your use of the Platform and the Services shall constitute Your acceptance of this Agreement and to all of the terms and conditions stated under this Agreement, and to the Platform’s Privacy Policy referenced herein and any related terms.

    If You are unsure as to the terms of this Agreement, please do not proceed further and contact Us at support@goalteller.com.

    THIS PLATFORM TERMS OF SERVICE HAS BEEN DRAFTED IN ACCORDANCE WITH THE PROVISIONS OF RULE 3 (1) OF THE INFORMATION TECHNOLOGY (INTERMEDIARIES GUIDELINES) RULES, 2011 (AS AMENDED) THAT REQUIRE PUBLISHING THE RULES AND REGULATIONS, PRIVACY POLICY AND TERMS OF SERVICE/ USER AGREEMENT FOR ACCESS OR USAGE OF THE APP AND RELATED SERVICES.

    THESE TERMS AND THE PLATFORM PRIVACY POLICY ARE COMPLIANT WITH INFORMATION TECHNOLOGY (REASONABLE SECURITY PRACTICES AND PROCEDURES AND SENSITIVE PERSONAL DATA OR INFORMATION) RULES, 2011 (AS AMENDED) WHEREVER APPLICABLE.

    PLEASE READ THE TERMS CONTAINED IN THIS AGREEMENT CAREFULLY TO ENSURE THAT YOU UNDERSTAND EACH PROVISION. PLEASE NOTE THAT THESE TERMS CONTAIN A BINDING AND MANDATORY ARBITRATION PROVISION AND LIMITS REMEDIES AVAILABLE TO YOU IN THE EVENT OF CERTAIN DISPUTES.

    BY ACCEPTING THIS AGREEMENT, EITHER BY CLICKING A BOX INDICATING YOUR ACCEPTANCE OR BY USING THE PLATFORM BY DOWNLOADING AND INSTALLING THE APP, YOU AGREE THAT (A) YOU HAVE READ AND UNDERSTOOD THE AGREEMENT; (B) REPRESENT THAT YOU ARE AT LEAST 18 YEARS OLD; (C) YOU CAN FORM A BINDING CONTRACT AS SET OUT UNDER INDIAN CONTRACT ACT, 1872; AND (D) YOU ACCEPT THIS AGREEMENT AND AGREE THAT YOU ARE LEGALLY BOUND BY ITS TERMS AND THE PLATFORM PRIVACY POLICY, REFERENCED HEREIN.

    WE RESERVE THE RIGHT TO REFUSE ACCESS TO THE PLATFORM IF IT IS BROUGHT TO OUR NOTICE OR WE GATHER THAT YOU ARE “INCOMPETENT TO CONTRACT”. PERSONS WHO ARE “INCOMPETENT TO CONTRACT” WITHIN THE MEANING OF THE INDIAN CONTRACT ACT, 1872, INCLUDING BUT NOT LIMITED TO, MINORS, UNDISCHARGED INSOLVENTS, ETC., ARE NOT ELIGIBLE TO USE THE PLATFORM.

    You represent and warrant to Us that You will use the Platform in a manner consistent with all Applicable Laws. We reserve the right to refuse access to use the Platform or to terminate access granted to existing Users at any time without according any reasons for doing so.

  3. DEFINITIONS
  4. In this Agreement, unless otherwise provides, the following words shall mean:

    1. Applicable Laws” means any applicable Indian statutes, laws, ordinances, regulations, rules, orders, by-laws, administrative interpretation, writ, injunction, directive, judgment or decree or other instruments which has a force of law in India, as is in force from time to time;
    2. Business Day” means any day, which is not a Saturday, Sunday or any other public or gazetted holiday as declared by the Government and when both banks and the capital markets are operational;
    3. Confidential Data” means any information related to the User, which the User shares with GoalTeller or submits on the App and/or Website and the proprietary information in relation to GoalTeller or which the User may have come into possession of or pursuant to this Agreement; and
    4. Regulation(s)” means the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013, as amended and modified from time to time, including the circulars and notifications issued pursuant thereto.
  5. THE PLATFORM AND SERVICES
    1. GoalTeller, through its Platform, allows You to build Your own financial plan (retirement planning, investment planning and goal planning among other categories) purely based on the information provided by You on the Platform and alternate sources of relevant information, including: (i) data retrieved from CRIF/CAMs Account Aggregation/ICRA; and (ii) assumptions and market data for projections. You may utilise the functionalities made available by Us to build Your plan. We use a combination of cutting-edge technology and common sense, that guides You at every step of Your journey, during and even after Your lifetime. All results generated by the Platform is made available on as-is and available basis based on the information You provide Us and the aforementioned alternate sources. The Platform also provides financial planning and monitoring tools to the Users, and data from third party service partners and personal finance content (“Services”). The Platform and the Services are catered to individual end-users for their personal use only and not for commercial purposes.
    2. GoalTeller, an Investment Advisor registered with SEBI under the Regulations, with registration no. INA200015608, provides investment advisory services (hereinafter referred to as “Investment Advisory Services” and as described below) and execution of investment services (“Execution Services”) to the Users on the Platform.
  6. GENERAL TERMS AND CONDITIONS FOR THE USE OF THE PLATFORM
    1. LIMITED LICENSE
      1. Subject to Your compliance with the terms of this Agreement, GoalTeller grants You a personal, limited, non-exclusive, revocable, non-transferable, non-licensable, non-sublicensable license to access and use the Platform and the Services thereunder, and content made available in or otherwise accessible through the Platform strictly in accordance with this Agreement.
      2. You expressly agree not to:
        1. duplicate, copy, adapt, modify, prepare derivative works based on the Platform to license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, otherwise transfer or commercially exploit the Platform (excluding any User content);
        2. reverse engineer, download, decompile, disassemble, decipher, capture screen shots, or otherwise attempt to derive the source code for any underlying intellectual property used to provide the Platform or any part thereof;
        3. utilise information, content or any data You view on and/or obtain from the Platform to provide any service that is competitive with us;
        4. imply or state, directly or indirectly, that You are affiliated with or endorsed by us, unless You have entered into a written agreement with us;
        5. adapt, modify or create derivative works based on the Platform or technology underlying the Platform or other Users’ content, in whole or in part;
        6. rent, lease, loan, trade, sell/re-sell access to the Platform or any information therein, or the equivalent, in whole or part;
        7. access, reload, or make any other request to transactional servers that are beyond generally accepted usage of mobile applications;
        8. use malware or any other means that impair functioning of the App and/or Website;
        9. use automated methods to add contacts or send messages;
        10. engage in “framing”, “mirroring”, or otherwise simulating the appearance or function of the App;
        11. attempt to or actually access the App and/or the Platform by any means other than through the interface provided by GoalTeller;
        12. attempt to or actually override any security component included in or underlying the App and/or the Platform;
        13. engage in any action that interferes with the proper working of or places an unreasonable load on Our infrastructure, including but not limited to unsolicited communications, attempts to gain unauthorised access, or transmission or activation of computer viruses;
        14. remove any copyright, trademark or other proprietary rights notices contained in or on the App and on the Platform including those of both GoalTeller or any of Our partners;
        15. use any information obtained from the App and/or the Platform to harass, abuse or harm another User;
        16. impersonate another User or allow any other User to use Your account identification;
        17. violate the provisions of the Information Technology Act, 2000 and rules and regulations thereunder (as updated) and any applicable data protection laws;
        18. host, display, upload, modify, publish, transmit, update or share any information that is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatsoever, or infringes any patent, trademark, copyright or other proprietary rights of a third-party or impersonates another person or threatens public health or safety; promotion of cigarettes or any other tobacco products or consumption of intoxicant including alcohol or threatens critical information infrastructure;
        19. engage in any of the following restricted activities, including but not limited to, abusing any of the representatives of the organization, indulge in fraudulent activities on the system, using mass media and/or bots to engage with the platform, using mass media and/or bots to malign the organization’s reputation; and
        20. employ any deep link, robot, scraper, spider (or other similar automated data gathering, program, methodology or extraction tools, algorithm to monitor, acquire, copy or access the App, Website and/or the Platform, or any portion of the Platform including the underlying algorithm, without GoalTeller’s express and prior written consent.

      3. When accessing the Platform, You need to make sure that Your internet connection is adequate. You are solely responsible for Your hardware, hardware compatibility and internet connection including and not limited to the applicable charges, rates, tariffs, and other fees that might apply.
      4. The Platform acts as a medium connecting Users, partners, and service providers. Other than as expressly set out in these Terms, We do not make any specific promises about the Services. We don’t make any commitments about the content within the Services, the specific functions of the Services, or their availability to You at all times. Further, You shall be solely responsible for any investment decision taken by You on the Services and GoalTeller shall not be liable for any loss or damage caused to You or other users of this application due to such investment decision, or any kind of reliance upon it.
    2. OWNERSHIP, PROPRIETORY INFORMATION AND INTELLECTUAL PROPERTY RIGHTS
      1. You agree that the Platform including the graphics, Our trademarks and editorial content contains proprietary content, information, and material, which are owned by GoalTeller and/or Our licensors, including Our customers, brands and agencies and partners, and are protected by applicable intellectual property and other laws, including but not limited to copyright. You agree that You will not use such proprietary content, information or materials other than for Your permitted use of the Platform or in any manner that is inconsistent with the terms contained in this Agreement
      2. You acknowledge and agree that the Platform is provided for Your use. Except to the extent necessary to access and use the Platform, nothing in this Agreement grants any title or ownership interest in or to any copyrights, patents, trademarks, trade secrets or other proprietary rights in or relating to the App/Website and the Platform whether expressly, by implication, by estoppel, or otherwise. GoalTeller, its licensors, partners, and service providers reserve and will retain their entire right, title, and interest in and to the content on the Platform including all copyrights, trademarks, and other intellectual property rights therein or relating thereto, except as expressly granted to You in this Agreement.
    3. PRIVACY POLICY
    4. The Platform’s Privacy Policy, which shall be incorporated into, subject to, be read harmoniously with, and in conjunction with the Terms of Service, describes how GoaTteller will handle the personal, non-personal and financial information You provide to Us when You register to use the Platform and the Services. You understand that through Your use of the Platform, You consent to the collection and use (as set forth in the Platform’s Privacy Policy) of this information, including the transfer of this information to other entities for storage, processing and use by GoalTeller, its partners and Our affiliates.

    5. ELIGIBILITY
    6. To be eligible to use the Platform and the Services thereunder, You must meet the following criteria and represent and warrant that You:

      1. are not Our competitor, or are not using the Platform for reasons that are in competition with us;
      2. will only maintain one registered account at any given time;
      3. have full power and authority to enter into and comply with the provisions of this Agreement and doing so will not violate any other agreement to which You are a party;
      4. will not violate any of Our or any third-party rights, including intellectual property rights such as patent, copyright, and trademark rights; and
      5. agree to provide at Your cost all equipment, browser software, and internet access necessary to use the Platform.
    7. ACCESS RIGHTS AND RESTRICTIONS
      1. You can access and use the Platform via (i) the App which can be downloaded and installed from the Google Play Store and Apple App Store only, or (ii) the Website at (https://www.goalteller.com/). You agree that GoalTeller has the right to disable Your access and use rights, at any time if, in GoalTeller’s opinion, You have violated any provision of this Agreement and/or the Platform’s Privacy Policy. You agree to cooperate with GoalTeller if the security of the Platform is compromised by You or another person, through the use of the App and/or Website. GoalTeller will not be liable for any loss or damage arising from Your failure to comply with this Section 4.5.
      2. We collect personal and financial information (as set forth in the Platform’s Privacy Policy), which We need from You when You register to use the Platform and Our Services. This information is necessary for Us to provide the Platform and the Services to You and is stored on Our servers to enable Us to continue to provide the Platform and the Services to You. Upon Your written request, GoalTeller will provide You with a list of all personal information that We store concerning You within sixty (60) days of receiving Your request. Also, upon Your prior written request, GoalTeller will delete any such information upon receiving Your request, subject to Applicable Laws, including the Regulations. Notwithstanding the above, please note that, if You ask GoalTeller to delete all such information, We will not be able to continue to provide the the Platform and/or Our Services to You.
      3. Territory: The Platform is only available for use within India. You must comply with this Platform’s Terms of Service and Platform’s Privacy Policy. If You are a resident of any other country, You may not use the Platform.
      4. If You have any questions regarding this Section, please email Us at support@goalteller.com.
    8. USER DECLARATION
    9. You agree, acknowledge and declare that:

      1. You shall comply with all Applicable Laws;
      2. You are availing the Services offered on the Platform out of Your free will and volition;
      3. You shall provide accurate information to GoalTeller and update such information from time to time as may be necessary;
      4. You are competent to contract within the meaning of the Indian Contract Act, 1872;
      5. You shall review and comply with notices sent by GoalTeller, if any, concerning the Platform and Services;
      6. You shall review the Platform’s Privacy Policy, regularly as may be amended;
      7. You are well informed about the risks of investing in financing instruments of any kind and acknowledge and take sole and full responsibility for Your investment choices and decisions You make and/or the performance of Your portfolio, including obtaining Investment Advisory Services (as defined below);
      8. You will be responsible for maintaining the confidentiality of Your account information and Your login credentials safe and confidential against unauthorized access to the Platform and/or Services;
      9. You will not engage in any of the following restricted activities, including but not limited to, abusing any of the representatives of the organization, indulge in fraudulent activities on the system, using mass media and/or bots to engage with the platform, using mass media and/or bots to malign the organization’s reputation.
  7. TERMS AND CONDITIONS FOR INVESTMENTS IN MUTUAL FUNDS
    1. OVERVIEW
      1. GoalTeller shall facilitate online transactions and provide investment advisory services in respect of various investment products including but not limited to mutual funds, bonds, bank and/ or corporate deposits, Employee Provident Fund, Provident Fund, various Government savings schemes, gold, real estate, Reits, Invits, insurances etc. for its Users (“Investment Advisory Services”).
      2. GoalTeller offers the Users the option to avail Investment Advisory Services on the Platform, which includes detailed risk profiling, goal planning preparation of investment plan, suggestions with respect to insurance, etc. As a part of the Investment Advisory Services, GoalTeller also offers Execution Services and tracking facilities. GoalTeller does not make it binding on the Users availing the Investment Advisory Services to avail of the Execution Services through the Platform. The User understands that when they use third-party execution service providers for transaction execution and not the Execution Services offered on the Platform, GoalTeller and the Platform may not be able to offer portfolio tracking, portfolio rebalancing, and any such services that require awareness of the User’s investment portfolio, unless the User explicitly adds the details of such transaction execution on the Platform.
      3. GoalTeller has entered into agreements with third party technology service providers to link up with banks for offering various facilities through the internet, including net banking and payment and settlement facilities in respect of payment instructions initiated by the User using third-party payment gateways. Accordingly, Investment Advisory Services is available to those Users who hold a bank account with these banks and have availed the facility for online payments / net banking through third party gateways.
      4. It is hereby expressly clarified that GoalTeller engage in any distribution activity for the Users who use its Investment Advisory Services. GoalTeller provides the Platform as a medium for such Users to facilitate the transaction of investment in mutual funds and other investment products. GoalTeller is an Association of Mutual Funds in India (“AMFI”) registered Mutual Fund Distributor (“MFD”). GoalTeller may offer distribution services in mutual funds and other products through a separately identifiable department or division (“SID”) as per the applicable rules and regulations of SEBI..
      5. GoalTeller, being a registered Investment Advisor, shall receive only permitted remuneration/ fee/ commissions which are not expressly prohibited under the regulations of SEBI, amended from time to time.
      6. Mutual fund investment facility may be made available with respect to select mutual funds only, with whom GoalTeller may enter into a separate arrangement either directly or through transaction processing platforms and accordingly provides online Platform to deal in the units of the scheme of these mutual funds that are existing / launched / offered by them from time to time. GoalTeller may enhance the number of mutual funds schemes and other products for which it provides execution over time.
    2. CONDITIONS FOR REGISTRATION
      1. Having an investment account on the Platform is subject to the satisfactory completion of the registration form and submission of all mandatory documents and valid Permanent Account Number (“PAN”) and its subsequent verification and KYC Registration Agency (“KRA”) verification.
      2. The Platform can be activated for KRA verified investors only. Accordingly, while enrolling for the registration, Your KRA verification process will be checked and You shall provide a copy of valid PAN and proof of completion of KYC through SEBI approved KRA or other details as may be prescribed from time to time and these details shall get verified with KRA.
      3. You agree and authorise GoalTeller to submit all the KYC documents (including but not limited to name, PAN card details, age, address and signature) and the User related documents to the respective mutual funds, AMCs and/ or their Registrar and Transfer Agents (“RTA”), other entities through whom or into whom investments shall be made for the purpose of validation and to comply with regulatory requirement notified from time to time.
      4. You agree that signature available in the KRA records/systems would be used for signature verification for processing any request made by You through the Platform or direct transactions with an AMC and in the event such signature is not available or legible in KRA records/system, You understand and agree that the AMC or other entities shall be entitled to carry out further checks to validate the authenticity of the request / or to reject/ disallow any transaction in the connection herewith.
      5. Once it is ascertained that the User is KRA verified, Your account on the Platform shall be activated. The account can be operated using the user ID and password that You create during registration. You agree and unconditionally confirm that You shall be solely responsible to ensure protection and confidentiality of the user ID and password at all times and any disclosure thereof shall be entirely at Your risk and accept the sole responsibility to maintain the secrecy of all information of confidential nature and shall ensure that the same is not disclosed to any other person.
      6. You agree that access to Your account may be suspended / cancelled /terminated without liability, in whole or in part, at any time without prior notice if You do not comply with this Agreement or any modifications thereof.
      7. You agree and understand that no change of address, mobile number, e-mail address and / or bank details can be allowed for such accounts, unless a duly signed hard copy of such written request is sent to the AMC / CAMS / POS for signature verification and other formalities.
    3. GENERAL CONDITIONS
      1. Investments in mutual fund and other securities (hereinafter referred as “Products” or individually as “Product”) are subject to market risks and there can be no assurance that the objectives of the schemes will be achieved by the User. As with any investment in securities, the value of such Products can go up or down depending on the factors and forces affecting capital markets. There is no guarantee for any returns on investments made in Products. Past performance of Products do not indicate the future performance of the Products and may not necessarily provide a basis of comparison with other investments.
      2. You grant authority to GoalTeller to process and transmit such request made by You through Your account authenticated by the user ID and password and authorise GoalTeller to execute Your instructions with regards to purchase / redemption / switch / sell or other transactions/ activities in respect of Products on Your behalf, as may be instructed by You from time to time, on the terms and conditions mentioned herein.
      3. You agree and confirm that GoalTeller and/or its authorised representative is / are not in a position to verify that the dealings are indeed undertaken by You at the time of dealing through Your account and GoalTeller shall be not held responsible for any transactions arising out of the misuse of the password by any person other than You.
      4. You understand and agree that instructions given by You to GoalTeller for transacting in Products units will be forwarded to the respective entitites via a transaction processing platform that GoalTeller has a prior contractual arrangement, in any specified format and such entitites will process the transaction on the basis of such specified formats (“Feed File”) only. And You hereby agree and consent to the transmission of data by electronic or other means through Your account from the Platform.
      5. You agree that the data and information provided by You pursuant to Your dealing with GoalTeller will be shared by GoalTeller, subject to the Privacy Policy, with its authorised agents, representatives, affiliates, legal authorities and service providers for facilitating transaction processing, servicing, data processing, transaction statement generation and for compliance with any legal or regulatory requirements. You agree that submission of a transaction request through Your account shall not be deemed to be acceptance of the transaction by the providers of Products or mutual funds or its RTAs (collectively referred to as “Product Providers” or individually as “Product Provider”) and the transaction could be rejected if does not comply with the provisions of the respective offer document of the Products or for any other reason which GoalTeller and / its authorised representatives/Product Providers deem fit.
      6. You agree and acknowledge that, notwithstanding anything contained hereunder, GoalTeller may enter into separate arrangements with product providers, including but not limited to, Product Providers, AMCs, insurance companies, ITR filing companies and others for the purpose of providing/ receiving certain ancillary services including in relation to investor education on its Platform, with or without consideration, subject to the Regulations.
      7. You agree and authorise GoalTeller to communicate on Your behalf with the Product Providers for financial and /or non-financial transactions and communications.
      8. The transactions carried out through Your account in units of various Products shall be subject to the provisions contained in the respective product related documents, including but not limited to scheme information document, offer document and statement of additional information or any addendum thereto.
      9. You agree to comply with KYC (Know Your Customer) and KRA requirements as required under SEBI (KYC Registration Agency) Regulation 2011, SEBI Act 1992, Prevention of Money Laundering Act, 2002, the Regulations, and all laws and regulations including but not limited to the Foreign Exchange Management Act, Reserve Bank of India (RBI) guidelines, to the extent applicable for availing the account on the Platform.
      10. You further agree and acknowledge that the mutual fund/AMC or Product Providers will act only on the electronic transaction data forwarded by GoalTeller and will be under no obligation to verify and/or confirm the authenticity of such transactions including the content, source, etc. You hereby confirm that You will not hold the mutual fund/AMC liable and/or responsible for any loss/damage that You may incur as a result of any such improper use of Your password or any unauthorized access to Your mutual fund investment facility.
      11. You agree and acknowledge that the filling in of transaction data/instructions for onward forwarding to the Products would require You to incorporate proper, accurate and complete details. In the event of Your account receiving an incorrect credit by reason of a mistake committed by any third party, the concerned Product Providers or the bank shall be entitled to reverse the incorrect credit at any time without Your consent.
      12. You shall be liable and responsible to GoalTeller/ concerned Product Providers for any unfair or unjust gain obtained by You as a result of the incorrect credit.
      13. The Product Providers may at its discretion not give effect to Your transactions where the Product Providers have reasons to believe that the transactions are not genuine or are otherwise improper or unclear or raise a doubt, GoalTeller will not be responsible for any such action taken by the Product Providers and accordingly You cannot raise the issue with GoalTeller. The respective Product Providers shall not be liable for the loss of any opportunity costs incurred by You, if any transactions are not carried out for any reasons whatsoever. You understand that any payment made by You towards such transactions will be refunded to Your account, after deduction of charges, if any.
      14. You may communicate directly with the Product Providers to resolve any clarifications that You may have pertaining to Your investments in the Products. For any transactions that come through offline mode, the signature available in KYC records would be used for signature verification and in the event of such signature not being available or legible, and the Product Providers would be within its rights to carry out further checks to validate the authenticity of the request.
      15. In the event an account is jointly held, You acknowledge that all instructions (including instructions for modification of this clause) shall be given only by the first holder of such account, on behalf of all of You and for this purpose, the joint investors, irrevocably constitute the first holder above as Your agent. All instructions given by the first holder above shall be binding on all of You as if given by each of You personally. You hereby authorise GoalTeller to process and transmit such instructions given from time to time in relation to Your transactions to the respective Product Providers. The mode of holding in all customer joint accounts is treated as “Either or Survivor”.
      16. You understand GoalTeller may display curated products of other providers or customised offers for products suited to Your profile information available with us. GoalTeller does not endorse any of these third-party providers or provide any warranty regarding such advertisements or offers that may displayed to You.
      17. You acknowledge that dealing through Your account on the Platform will be at Your own risk. You shall solely be responsible to evaluate all the risks arising out of the same. Your account may be susceptible to number of frauds, misuse, phishing, hacking and other actions, which could affect instructions sent to GoalTeller or its authorised representatives. There cannot be any guarantee from such internet frauds, phishing, hacking and other cyber-attacks.
    4. TRANSACTION PROCESSING RELATED CONDITIONS
      1. You agree and confirm that all the authorised and complete transactions will be processed at the applicable net asset value (as defined in the scheme information document of respective schemes of mutual funds) subject to receipt of funds and acceptance of your transaction by the mutual funds/ RTAs. For products other than mutual funds, it would be guided by the policies of such Product Providers.
      2. You agree not to hold GoalTeller / its authorised representatives liable for any loss that may arise to You as a result of the incorrect net asset value applied on units allotted to You by the mutual fund or Product Providers.
      3. You agree that the money debited from Your bank account shall be collected in the pool account of the third-party service provider and from there it will be credited / transferred to the respective Product Providers either on the same day (in case the order is placed before the cut off time) or the next Business Day (in case the order is placed after the cut off time). Hence, You agree, understand and acknowledge that there would be an interim time lag in transferring / crediting the money from the pool account of the third-party service provider to the respective Product Providers account.
      4. You agree that when subscription for Products is remitted through joint bank accounts of investors, the default option for applying for Products would be in the joint names of all the account holders of the bank account. If the payment is not made from a registered bank account or from an account not belonging to the first named unit holder, Your transaction will be rejected. Additionally, investors shall also have an option to apply for units in single name of any one or more names of the joint account holders of the bank account with nomination facility subject to terms and conditions of the relevant Product Providers. You agree that in joint account holding, decision of first holder as mentioned above in Section 5.3 is binding on others.
      5. You agree that the units of the Products shall be allotted, redeemed or switched, as the case may be, at the net asset value prevalent on the date of the transaction request by the Product Providers, if the request for purchase, redemption or switch is placed before the cut-off time.
      6. You agree that any transaction request falling due on a holiday or after the cut off time mentioned on the Platform would be processed on the next Business Day and respective net asset value would be applicable as per the Products’ offer document(s). The cut-off timings will be prior to the statutory cut-off timing specified under the applicable SEBI Regulations and the Products’ offer documents for operational convenience.
      7. The transactions once placed cannot be cancelled.
      8. GoalTeller /its authorised representative/service provider does not take any responsibility for any delay in acceptance / execution or non-execution/rejection of the order by the Product Providers. Once the information is provided by the Product Providers for the rejection, the Investor will be informed within two Business Days.
      9. You agree that there may be a time lag between the time a transaction is completed and before the same is updated in the records of GoalTeller /its authorised representatives /service providers.
      10. There may be a possibility of variances in values arising out of delayed data feeds, transmission losses in electronic data, electronic fund transfer etc. for which GoalTeller /its authorised representatives shall not be liable.
      11. You agree to maintain clear balance in Your bank account at all times to cover the purchase price and other costs and charges / quantity of units. You are advised to check Your daily fund transfer limits with Your bank before placing the purchase transaction/ units in the particular Product before placing a purchase request.
      12. You agree that in absence of sufficient funds (in case of purchase) / lesser quantity of units (in case of sell/ switch), GoalTeller /its authorised representative/service provider shall not be responsible for the non-execution/ rejection of Your instructions.
      13. In case of redemptions, if the number of units held by the User as per the records maintained by the Product Providers and/or the authorised registrar is less than the number of units requested to be redeemed, then the available units will be redeemed. Wherever redemption of “all” units is specified in the request, all unit holdings in that scheme shall be redeemed. All redemptions shall be subject to the provisions mentioned in the respective offer document / scheme information document and addenda thereto issued from time to time.
      14. You agree that the payment for the transactions undertaken by You through Your account on the Platform will be facilitated through a payment gateway and GoalTeller /its authorised representatives/service providers shall not be liable for any failures in the link or for any fraud (either payment gateways’ and/or banks’ end) that could take place at the time of at the time of making payment and You shall inform GoalTeller /its authorised representatives /service provider immediately if the Your bank account is debited and wherein corresponding units have not been allotted.
      15. In case of rejection of Your purchase request by the Product Providers, the amount will be credited into Your bank account only after the receipt of the refund from the relevant Product Providers.
      16. Redemption proceeds and dividend payouts shall get credited directly by the Product Providers into Your bank account provided at the time of registration of Your account with GoalTeller. Provided, the bank account provided by You is from the list of banks with which the Product Provider has a direct credit arrangement. The list of such banks is mentioned in the offer document or scheme information document or Key Information Memorandum (“KIM”) cum common application form of the respective Product.
      17. All the purchase transactions pertaining to mutual funds made on the Platform shall be allotted an online folio number and You will be able to access the transaction account statement in electronic format. You will receive the accounts statements directly from the AMCs/RTAs. Each Product other than mutual funds may have its own process for purchase and redemption and such process would applicable for the respective Product.
      18. You agree and acknowledge that transactions done through the Platform will be tagged with the RIA Code of GoalTeller ([INA200015608]) and will be treated as direct.
      19. In the event of the termination of the agreement of GoalTeller with the mutual fund/ AMC or any Product Provider, You would not be allowed to execute through the Platform any transaction including but not limited to a transaction for purchase, redemption, etc., of the units of that mutual fund or Product. In such cases, GoalTeller will pass on/make available all Your details to the mutual fund/ AMC / Product Providers, as are required by them to enable You to deal and interact directly with the mutual fund/ AMC / Product Providers from the date of such termination.
      20. The payment gateway used for online subscription of units could also include debit card/IMPs. Such facility is enabled through third party technology service provider and would be available for selects banks and shall be subject to such conditions and limitations as may be applicable from time to time. You may get a levy/ charges separately by Your bank which You must check before availing this facility. However, credits card will not be accepted for purchase of mutual funds or other Products.
      21. There may be applicable exit load/ other charges levied by the mutual funds or Product Providers in accordance with the offer documents / scheme information documents/KIM and addendums issued thereto from time to time (collectively referred to as “Product Related Documents”). You shall read all the Product Related Documents before investing.
      22. The Platform is not offering nor is it intended to serve as a vehicle for frequent trading that seeks to take advantage of short-term fluctuations in the market, hence You agree and acknowledge that the mutual funds or RTAs or Product Providers in its sole discretion may reject any purchase or exchange of unit that it reasonably believes may represent a pattern of market timing activity involving the Product Providers..
      23. You hereby authorise GoalTeller for receiving Your investment details and reverse Feed Files from the AMC and RTAs or Product Providers. You hereby give consent to share/provide the transactions data feed/portfolio holdings/ net asset value etc., in respect of Your investments under direct plans of all schemes managed by GoalTeller tagged with the SEBI Registered Investment Adviser Code of GoalTeller ([INA200015608]).
    5. CONDITIONS FOR NOMINATION
      1. Nomination shall be mandatory for new accounts opened by individuals especially with sole/single holding and no new accounts for individuals in single holding shall be opened without nomination. However, in case you do not wish to nominate, you must sign separately confirming your non-intention to nominate, failing which the form may be rejected at the discretion of the mutual fund/ AMC/Product Provider.
      2. You can nominate (in the manner prescribed under the applicable SEBI Regulations), maximum up to 3 person(s) in whom the units held by you shall vest in the event of your death. It shall be mandatory to clearly indicate the percentage of allocation / share in favour of each of the nominees against their name and such allocation / share should be in whole numbers without any decimals making a total of 100 percent. In the event of the you do not indicate the percentage of allocation / share for each of the nominees, the AMC or Product Provider, by invoking default option shall settle the claim equally amongst all the nominees.
      3. In case of more than one nominee, please obtain additional form as available on the Platform and follow the instruction for providing the nomination details therein.
      4. Nomination made by you shall be applicable for investments in all the schemes in the account and every new nomination for an account will overwrite the existing nomination. Thus, a new nomination request will imply simultaneous cancellation of existing nomination and request for fresh nomination.
      5. The nomination can be made only by Users applying for / holding units on the Users’ behalf singly or jointly in favour of one or more persons. Non-individuals including society, trust, body corporate, partnership firm, Karta of Hindu Undivided Family, holder of Power of Attorney cannot nominate and are not permitted to access and use the Platform and/or the Services. Nomination form cannot be signed by power of attorney holders.
      6. In case an account has joint holders, all joint holders should sign the request for nomination /cancellation of nomination, even if the mode of holding is not “joint”.
      7. A minor can be nominated and, in that event, the name and address of the guardian of the minor nominee shall be provided by the User. The User is advised that, in case of single holding, the guardian to a minor nominee should be a person other than the User.
      8. Nomination can also be in favour of the Central Government, State Government, a local authority, any person designated by virtue of these offices or a religious or charitable trust. The Nominee shall not be a trust (other than a religious or charitable trust), society, body corporate, partnership firm, Karta of Hindu Undivided Family or a Power of Attorney holder. A non-resident Indian can be a Nominee subject to the exchange controls in force, from time to time.
      9. Nomination shall not be allowed in an account held on behalf of a minor.
      10. Nomination in respect of the units stands rescinded upon the transfer of units. Transfer of units in favour of a nominee shall be valid discharge by the AMC/Product Provider against the legal heir.
      11. The cancellation of nomination can be made only by those Users who hold units on their own behalf, single or jointly, and who made the original nomination.
      12. On cancellation of the nomination, the nomination shall stand rescinded and the AMC/Product Provider shall not be under any obligation to transfer the units in favour of the nominee.
  8. SERVICE FEES
  9. GoalTeller offers Users who use the App the option between a free and paid subscription for the Services in the Platform, which may be amended from time to time (“Service Fees”). GoalTeller charges Users for the Investment Advisory Services it performs on the Platform, as may be notified from time to time. In the event that We change this in the future, We will communicate such modification to You or as otherwise specified in another agreement between GoalTeller and You.

  10. CONFIDENTIALITY
    1. GoalTeller shall maintain the confidentiality of the User’s Confidential Information as per the Platform’s Privacy Policy. Further, We will ensure that any third party, with whom the information is being shared, are under contractual obligations to protect the Confidential Information of the Users, and to use it only to provide the services to the extent as required under the agreement with us. For the avoidance of doubt, it is clarified that GoalTeller will not be liable for any claim or defend any breach of Confidential Information of the User owing to third-party acts or omissions.
    2. The User agrees not to use or disclose the information provided under the Services to any third party including any discussion forums or for any unauthorised illegal purpose. The User also agrees to use the information provided under the Service strictly for personal purpose.
    3. Notwithstanding the above, GoalTeller shall be entitled to disclose any Confidential Information pertaining to You to any authority, statutory or otherwise as may be required by law from time to time.
  11. INDEMNIFICATION
    1. You agree to indemnify, defend, and hold GoalTeller, service providers, Product Providers and its officers, employees, managers, directors, customers, and agents (the “Indemnitees”) harmless from and against any and all costs, liabilities, losses and expenses (including but not limited to reasonable attorneys’ fees) resulting from any claim, suit, action, demand or proceeding brought by any third party against Us and Our Indemnitees arising from any of the following:
      1. usage of the Platform by the User;
      2. a breach of this Agreement;
      3. the negligence, fraud, or wilful misconduct of You or Your joint holders in the family account and/or sub-account;
      4. incorrect information provided by You in Your account or elsewhere on the Platform or to us;
      5. a failure by You or Your joint holders in the family account and/or sub-account to comply with Applicable Laws and regulations; and
      6. arising directly or indirectly out of the negligence, mistake or misconduct of the User.
    2. You agree and undertake not to hold GoalTeller, service providers, Product Providers and their officers and agents liable for:
      1. any loss caused through a fall in value of investments / NAV, etc., which can go up or down depending on the factors and forces affecting capital markets or any indirect, special or consequential loss You might suffer;
      2. any loss or damage caused by reason of failure / refusal or delay of the mutual fund to deliver any units purchased even though payment have been effected for the same or failure / refusal or delay in making payment in respect of any units sold though they may have been delivered
      3. any delay, failure or refusal of the Product Providers or its authorised agent / RTAs in registering or transferring units to Your names of for any interest, dividend or other loss caused to You arising there from;
      4. any delay / refusal / non-payment of any proceeds on redemption or dividend pay-outs by the Product Providers to Your accounts for any reason whatsoever;
      5. any delay or failure in processing the transactions carried out by You due to any system failure or for any other reason whatsoever;
      6. for any loss or damage incurred or suffered by You due to any error, defect, failure or interruption in the dealing arising from or caused by any reason whatsoever;
      7. for any fraud, negligence/mistake or misconduct by You including failure to comply with the KRA/KYC norms or provision of a valid PAN or PMLA requirements;
      8. any breach or non-compliance by You of this Agreement or the Privacy Policy;
      9. not permitting You to deal after such reasonable verification as GoalTeller/its authorised representative may deem fit;
      10. any loss or damage incurred or suffered by You due to withdrawal or termination or suspension of the dealing facility arising from or caused by any reason whatsoever;
      11. any loss or damage arising directly or indirectly out of effecting transaction based on instructions received from the User;
      12. The exercise of the facility/Services provided on the Platform;
      13. Any injury to the credit, character and reputation of the User due to use of facility/ services on the Platform.
      14. Any misstatement, misrepresentation, error or omission in any details disclosed by GoalTeller if it receives any process, summons, order, injunction, execution distrait, levy lien, information or notice which GoalTeller in good faith believes/ calls into question the User’s ability, or the ability of someone purporting to be authorised by the User, to make the transfer.

    3. The maximum liability of GoalTeller /its authorised representatives/service providers to You shall not exceed the amount of the Investment Advisory Service fees and/or Services Fees paid by You for availing the Services through the Platform for the prior 12 months from the date of any such incident.
    4. You agree that GoalTeller /its authorised representatives /service providers shall be under no obligation to further ascertain Your identification at the time of transactions.
    5. Notwithstanding anything contained herein, GoalTeller shall incur no liability to the User for any act, done or omitted to be done, in good faith and with bona fide intentions, by reason of:
      1. any provision of any Applicable Law; or
      2. any decree, order or judgment of any court;
      3. it is becoming impossible or impracticable for GoalTeller to carry out any of the provisions of this Agreement.

    6. You agree that this undertaking shall be valid until such time You have not expressly informed in writing that you do not wish to deal or transact any longer and it shall be also valid in respect of any claims made on account of or relating to Your dealing with GoalTeller.
    7. This Section and the indemnities given hereunder shall survive the termination of this Agreement.
  12. DISCLAIMER AND DISCLOSURES
    1. Product investments are subject to market risks, read all Product Related Documents carefully before investing through the Platform or using the Services.
    2. The data, reports and information provided on the Platform do not constitute professional advice and therefore should not be relied upon while taking investment decisions from a professional context. You are therefore advised to obtain applicable professional advice, including, legal, accounting, tax or other professional advice or services, before taking an investment decision.
    3. Your access to and use of the Platform and/or the Services or any content are at Your own risk. You understand and agree that the Platform and/or the Services are provided to You on an “AS IS” and “AS AVAILABLE” basis. Without limiting the foregoing, to the maximum extent permitted under applicable law, GoalTeller DISCLAIMS ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS OR IMPLIED, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Without limiting the generality of the foregoing, We do not warrant that the Services provided by Us will be free from bugs, defects or errors, or accessible without interruption.
    4. The investment decision, if any, will be taken by You in Your sole and absolute discretion without any further liability to GoalTeller.
    5. All benefits on investments will be taxed as per the provisions of Income Tax Act 1961, as amended from time to time.
    6. This service does not constitute an offer to buy or to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.
    7. GoalTeller / its authorised representatives /service providers are not responsible for any omissions, errors or investment consequences arising from the use of the materials available on the Platform.
    8. Whilst every reasonable precaution has been taken to ensure the accuracy, security and confidentiality of data and information available on the Platform, GoalTeller /its authorised representatives /service providers shall not be held responsible for any consequence of any action carried out by You.
    9. The services/facility may be suspended or withdrawn at any time, and You acknowledge that Your account is also subject to interruption.
    10. You acknowledge and agree that the Platform, the Services and the linked backend infrastructure may be inaccessible and/or unavailable at times. In such an event GoalTeller will not be liable for any damage, liability, action, cause of action, suit, claim, demand, loss, cost, and expense arising directly or indirectly from or in connection with such system inaccessibility and/or unavailability.
    11. GoalTeller /its authorised representatives /service providers shall not be liable for any loss or damage or other consequences arising from any suspension, breakdown, withdrawal, interruption, technical flaw, the presence of virus or other malicious, destructive or corrupting code, programs on the Platform or otherwise and any consequent delay or failure in completion of any payment or other instructions as a consequence thereof arising from the use or inability to use the Platform.
    12. GoalTeller /its authorised representatives /service providers shall not be liable for any failure to perform any of its obligations or service standards etc. if the performance is prevented, hindered or delayed by a Force Majeure Event, which includes any event due to any cause beyond the reasonable control including, without limitation, unavailability of any communication system including Internet, breach or virus in the processes or payment mechanism, sabotage, pandemic, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, breach of security and encryption codes.
    13. The investment profile of the User is prepared by GoalTeller and is based on Goalteller’s proprietary algorithms for understanding and assessing risk and suitability in line with the objectives and requirements of the User, as per the details/information provided by the User. GoalTeller may use the information provided herein for the purposes of undertaking an internal risk assessment of the User. A series of questions may help GoalTeller to appraise the User’s risk profile, particular needs, financial situation, investment objectives and investment in financial instruments. While undertaking the process of risk profiling or determining product suitability, GoalTeller may make certain assumptions and use certain industry accepted norms and parameters. It may be noted that in case certain other parameters or methods are used, the risk profiling may lead to a different result. Hence, for instance, it may not be possible to state that the outcome of the risk assessment is absolutely precise and will be the same under all circumstances. Please note that the questions are only meant to be a guide to help determine the User’s profile and shall not be considered to be conclusive. The User is required to ensure that the User has provided accurate and complete information. The User is aware, acknowledges and agrees that if the User provides inaccurate and/or incomplete information, and/or chooses not to disclose certain information, such action will adversely affect the results of the risk assessment. GoalTeller may provide information in relation to the purchase/sale of financial instruments on the basis of such internal risk assessment. However, this risk assessment is for internal purposes alone and advice prepared for the User is based on the information as shared by the User and in accordance with the risk profiling and suitability measures as undertaken by GoalTeller. The User is not bound to act on the investment profile prepared by GoalTeller and in the event the User acts based on the advice or information provided by GoalTeller, GoalTeller shall not be responsible for any consequences that may ensue. Any suggested investment is based on the information provided by the User and is only one of the many combinations of investments that may be suggested to someone with the User’s risk profile. The investment advice provided by GoalTeller to the User is as per what GoalTeller deems fit to be appropriate for the User, based on the data shared by the User and the risk assessment done by GoalTeller. Further, please note that while GoalTeller will take into account Your investment objectives and financial goals as shared by You and recommend investments in line with Your risk appetite, there may be other clients of GoalTeller, who may be provided with similar investment profiles, especially in light of the algorithm software and technology being utilised by GoalTeller for rendering Investment Advisory Services. User will not solely rely on the views, representations (whether written or oral or otherwise), recommendations, opinions, reports, analysis, information or other statement made by GoalTeller or any of its agents, directors, officers or employees and that the User will make the User’s own assessment and rely on the User’s own judgment in making any investment decision. In the event that the User seeks to make an investment pursuant to the information or recommendation provided by GoalTeller, the User shall do so at its/his/her own risk, and should consider its/his/her financial situation, objectives and needs and consult with its/his/hers legal, business, tax and/or other professional advisors to determine the appropriateness and consequences of such an investment. The User may, at his/her/its own discretion, opt not to follow the investment / product / recommendations provided by GoalTeller, irrespective of whether they are in line with the objectives / requirements specified in this document or the assessment derived from the details provided herein.
    14. GoalTeller does not assure or guarantee any returns in relation to the investment profile it may generate. GoalTeller and/or any of its subsidiaries/group companies/agents/vendors along with all their directors/officers/employees and agents shall not be responsible for the amount / value of profit earned / loss incurred by the User or its variance from the mean / any other ratio used to evaluate the returns from the mutual funds/ market / alternate products / portfolios, that the User may have earned. Third party investment products are not obligations of or guaranteed by GoalTeller or any of its affiliates or subsidiaries and are subject to investment risks and foreign exchange risks, including the possible loss of the principal amount invested.
    15. The User shall notify GoalTeller of any material change in its/his/her situation and/or profile and GoalTeller is entitled to rely on the most recent information provided by the User.
    16. The User who subscribes for any services on the Platform agrees that the Service Fees and/Investment Advisory Service fees (including taxes etc.) paid may be only partially refundable including in case of deactivation, unsubscribing the Services or in any other circumstances, subject to Applicable Laws, including the Regulations.
    17. The User agrees that in case of any change in the User’s email address and/or mobile number, the User shall inform GoalTeller in advance in the prescribed format to carry out the necessary changes in its records. The User confirms that the information/details provided by the User is true, accurate, correct and complete.
    18. The User agrees to be contacted by GoalTeller and its representatives over phone or on registered email address with reference to the Services. The User agrees and confirm that if the User’s mobile number is registered in the Do Not Disturb (DND) list of TRAI, the User may not receive SMS from us. The User shall take steps to deregister from the DND list and shall not hold Us liable for non-receipt of SMS in the interim period.
    19. The Platform shall also have links to third-party websites, Products and/ or services. Access or usage of such third-party links will be governed by the respective third-party terms and conditions at all times.
    20. You understand and accept that GoalTeller is not responsible for the availability of content or other services on third party sites linked from the application. You are aware that access of hyperlinks to other internet sites are at Your own risk and the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored or endorsed by GoalTeller in any way. GoalTeller does not make any warranties and expressly disclaims all warranties express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non-infringement with respect to any information or services or Products that are available or advertised or sold through these third-party platforms.
    21. The Website and/or App contains information, statements, calculators, opinions, statistics, pProducts, services, and materials (“Content”) that have been obtained from sources believed to be reliable and an effort has been made to provide accurate information, however GoalTeller make no guarantees whatsoever regarding the timeliness, completeness, accuracy, adequacy, fullness, functionality or reliability of the cContent contained, provided and posted on any section of the Website or of the results obtained from the use of such cContent and make no warranties of any kind and nature whatsoever either express or implied, including but not limited to warranties regarding the accuracy, performance, merchantability and/or fitness for a particular purpose of the cContent contained, provided and posted on the Website or of the results obtained from the use of such cContent. The use of any information set out is entirely at the User’s own risk
    22. The output of the net worth chart which may be referred as Wealth Chart or GoalLine, or any other such term, is completely and solely based on the information/details provided by YouYou in response to the questions specified by GoalTeller, other than the assumptions made by GoalTeller regarding returns, asset allocation, inflation, growth rates of various parameters etc. These questions and the calculations thereon resulting in specific data are developed and based on certain tools and calculators that are based on presumptions/assumptions. These assumptions and calculations may be subject to errors and omissions and GoalTeller make no guarantees, whatsoever, regarding the timeliness, completeness, accuracy, adequacy, fullness, functionality or reliability of the results so obtained
    23. While providing and developing these tools, GoalTeller has relied upon and assumed, without independent verification, the accuracy and completeness of all information made available to it from public / private sources and vendors or which has otherwise been reviewed by GoalTeller. Such information and the resultant data isare provided only for User’s convenience and information purposes.
    24. GoalTeller does not undertake any liability or responsibility to update any data or communicate to You in case any data is updated.
    25. The Content generated herein may be subject to change, updation, revision, verification and amendment without notice and such information/data generated may change materially.
    26. The Content of this Website is prepared by GoalTeller for general purpose information only and should not be construed as an offer or solicitation any Product(s). It does not consider the investment objectives, financial situation or particular needs of the User of the tool(s).
    27. All Products are subject to variety of risks (market, interest, credit etc) and please read all Product Related dDocuments carefully. The value of Products may go up or down depending upon the factors and forces affecting the markets of such Products, the general economic conditions, default or credit risk and many such other risk factors which affect the values of such Products and schemes. The past performance of the Products and schemes is not necessarily indicative of their future performance. You must go through the Product Related Documents to understand all the risks related to such Product investments. The Products may have features including but not limited to lock-in of investment, exit loads, first loss, etc and the Product Related Documents gives a detail description of such features.
    28. The output provided to You shouldn’t be construed as an advice provided by GoalTeller in any way or form. GoalTeller being a SEBI registered investment advisor, provides advice only after entering into advisory agreements with its clients and completing all other legal and regulatory requirements.
    29. Users who have an advisory agreement with GoalTeller (“Advisory Users”) would be guided by the agreement signed with them in addition to these Terms of Use and others terms and conditions in the Website.
    30. The data and information provided by You or downloaded or uploaded by You using various mediums provided in the Website will be stored securely by GoalTeller. The storage of such information and data would be guided by the internal policies including Privacy Policy of GoalTeller as well as the applicable rules and regulations. Saving & storage of data and information downloaded by You from third parties would additionally be guided by GoalTeller’s agreement with such third parties and the terms & conditions applicable there.
    31. While providing information to GoalTeller, You shall input login credentials of various accounts and statements including but not limited Your broking accounts, eCAS statement, Account Aggregator login account, Employees' Provident Fund Organisation member login account, Income Tax login account. By proceeding ahead with that login, You grant GoalTeller permission to fetch all relevant data from such sources and save the data for current and future use. GoalTeller doesn’t save such usernames, passwords, / PINs or such other secure information of any of Your accounts and statements. If We intend to save any of such passwords, We shall do that only after taking an explicit approval from You for that specific account.
  13. LIMITATION OF LIABILITY
  14. You acknowledge and agree that, in no event will We be liable to You or any third party for any indirect, punitive, exemplary, incidental, special, or consequential damages whether in contract, tort (including negligence), or otherwise arising out of this Agreement, or the use of, or the inability to use the App, Website and the Platform, including, without limitation, any information made available through the Platform pursuant to this Agreement. In the event the foregoing limitation of liability is determined by a court of competent jurisdiction to be unenforceable, then the maximum liability for all claims of every kind will not exceed one times (1x) the aggregate of payments received from You by Us under this Agreement. To the extent that We may not disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of Our liability will be the minimum permitted under applicable law.

  15. TERMINATION
    1. The Platform and the Services may, at any time, be suspended / disallowed /modified for such reason and for such time period as deem fit like inactive / dormant user id, noncompliance of the terms stated herein, death, insolvency, bankruptcy of the investor, any other cause arising out of the operation of law or such other reason as deems proper.
    2. You may terminate this binding legal Agreement with GoalTeller at any time by providing fifteen (15) days’ prior written notice or deactivating Your account, user id and password, with a possible termination charge from GoalTeller
    3. GoalTeller reserves the right to suspend or terminate Your account or cease providing You with access to all or part of the Platform at any time for any or no reason by providing thirty (30) days’ notice by way of SMS to Your registered phone number or Your registered email ID. The reasons for such suspension or termination of Your use of the Platform may include, but not limited to, if GoalTeller reasonably believes: (i) You have violated this Agreement or the Platform’s Privacy Policy, (ii) You create risk or possible legal exposure to us; or (iii) Goalteller’s provision of the Platform and Services to You is no longer commercially viable. In all such cases, this Agreement shall terminate, including, without limitation, Your license to use the App, the Platform and Services thereunder. In the event of termination for any reason whatsoever, You shall be liable to pay all outstanding charges, fees and dues, if any.
    4. In case You cease to be a user of GoalTeller, then all Your details will be provided to the mutual fund/AMCs/Product Providers and as are required by them to enable you to deal and interact directly with the AMCs/mutual fund.
    5. In the event of termination of this Agreement in accordance with Section 11, no portion of the Investment Advisory Services fees or Service Fees made to GoalTeller shall be owed back or be repayable to the User, subject to Applicable Laws, including the Regulations.
  16. COPYRIGHT INFRINGEMENT
    1. If You believe that any content on the Platform violates Your copyright, and You wish to have the allegedly infringing material removed, the following information in the form of a written notification must be provided to Our designated agent:
      1. Your physical or electronic signature;
      2. Identification of the copyrighted work(s) that You claim to have been infringed;
      3. Identification of the material on the App, Website and/or the Platform that You claim is infringing and that You request GoalTeller to remove;
      4. Sufficient information to permit GoalTeller to locate such infringing material;
      5. Your address, telephone number, and email address;
      6. A statement that You have a good faith belief that use of the objectionable material is not authorised by the copyright owner, its agent, or under the law; and
      7. A statement that the information in the notification is accurate, and under penalty of perjury, that You are either the owner of the copyright that has allegedly been infringed or that You are authorised to act on behalf of the copyright owner.

    2. Goalteller’s designated Copyright Agent to receive notices pursuant to this Section, at GoalTeller, Attn: Infringement Notice, [support@goalteller.com]. You acknowledge that for GoalTeller to be authorised to take down any content, Your takedown notice must comply with all the requirements of thisSection 12.
    3. Please note that any misrepresentation of material fact (falsities) in a written notification automatically subjects the complaining party to liability for any damages, costs and attorney’s fees incurred by GoalTeller in connection with the written notification and allegation of copyright infringement
  17. ASSIGNMENT
  18. This Agreement is only for Your benefit as an individual. You shall have no right to assign this Agreement or any benefits or obligation hereunder to any other party or legal entity, including in a commercial capacity. Any attempted assignment shall be void.

  19. NOTICES
  20. GoalTeller may send promotional, newsletters, offer messages about Us and Our products related to the Platform and/or Services to Your email. When You send GoalTeller a query email at support@goalteller.com, You are providing GoalTeller with consent to send emails to You for replying to Your queries at Your provided email address. By providing Your email address, You agree and consent to receiving such notices from GoalTeller, subject to the terms of this Terms of Service and the Platform’s Privacy Policy. You can opt out of receiving push notifications through Your device settings. Please note that opting out of receiving push notifications may impact Your use of the Platform. Except as explicitly stated otherwise, any notices to Us shall be given by certified mail, postage prepaid and return receipt requested to us at [support@goalteller.com]. Any notices to You shall be provided to You through the App, Website and/or the Platform or given to You via the email address or physical address You provide to GoalTeller during the registration proces

  21. MODIFICATIONS
  22. GoalTeller reserves the right, at Our sole discretion, to change or modify this Agreement at any time. In the event, GoalTeller modifies the terms of this Agreement, such modifications shall be binding on You from the time such changes are notified to You by GoalTeller via email or on the App, Website or the Platform by posting a modified version of this page, or by a comparable means within a reasonable time period. Your continued use of the App,-and/or, Website and/or the Platform shall constitute Your consent to such changes. These terms and conditions of the Agreement may be amended for such reason as is deemed fit and proper, including but not limited to, comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the services, company reorganisation or investor requirements.

  23. RELATIONSHIP
  24. The parties (User and GoalTeller) hereto are independent contractors, and nothing contained herein shall be interpreted as creating any relationship other than that of independent contractors. The parties shall not be construed as being partners, joint ventures, shareholders, employer/employee, or agent/servant. The User has no power or authority to bind GoalTeller to any obligation, agreement, debt or liability. The User shall not hold itself out as an agent or representative of GoalTeller.

  25. GOVERNING LAW & DISPUTE RESOLUTION
  26. Any Dispute that may arise in respect of Your use (directly or indirectly) of Our Platform shall be governed by all laws applicable within the territory of India. You consent and agree that any and all disputes with respect to this Privacy Policy, Our Services, and the Platform (collectively “Disputes,” shall be resolved through mandatory, binding arbitration, which shall be governed under the Indian Arbitration and Conciliation Act, 1996. As such, You agree to waive Your respective right to have any and all Disputes arising from or related to this Privacy Policy, and/or Your use of Our Services or Platform, resolved in a competent court. Instead, You and We agree to arbitrate Disputes through binding arbitration (which is the referral of a Dispute to one or more persons charged with reviewing the Dispute and making a final and binding determination to resolve it instead of having the Dispute decided by a judge in court). We agree that the seat of jurisdiction of such arbitration for the Dispute will be held in Bangalore, India.

  27. MISCELLANEOUS
  28. This Agreement along with the Platform’s Privacy Policy, constitute the entire agreement between You and Us and supersedes any prior agreements between You and us with respect to the subject matter herein. Our failure to exercise or enforce any right or provision of this Agreement will not constitute a waiver of such right or provision. If any provision of this Agreement is found by a court of competent jurisdiction or arbitrator to be invalid, We both nevertheless agree that the court/arbitrator should endeavour to give effect to Our intentions as reflected in such provision, and the other provisions of this Agreement to remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use the App, Website and the Platform or this Agreement will be subject to the applicable statute of limitations. A party’s failure to act with respect to a breach by the other party does not constitute a waiver of the party’s right to act with respect to subsequent or similar breaches. All the sections intended to survive the termination of this Agreement shall survive. The section titles in this Agreement are for convenience and description only and have no legal or contractual effect.

  29. GRIEVANCE REDRESSAL
  30. If You have any questions, concerns, or suggestions regarding this Terms of Service, please reach out to Us using the contact information on Our “Notices” section. If You have any grievance or complaint with respect to the Platform and the Services, please reach out to the grievance officer, the name and contact details provided below:

    E-mail: support@goalteller.com

    We will acknowledge Your complaint within a period of 36 (thirty) hours and share the complaint registration number to enable You to track the status of the complaint for future correspondence. The grievance office shall investigate the complaint and shall remove any violative content, if any, and shall resolve the matter within a period of 1 (one) month. The grievance officer shall provide You with a summary of the resolution of the compliant after this process.

2021 © Finteller Advisors Private Limited

[SEBI RIA Registration No: INA200015608] | [Type of Registration: Non-Individual] | [Validity of registration: December 18, 2020-Perpetual]
[Address: Finteller Advisors Private Limited, 4th Floor, Novel Office, Novel MSR Building, Marathahalli, Bangalore, Karnataka - 560037]
[Principal Officer Email id: support@goalteller.com]
[Corresponding SEBI local office address: 2nd Floor, Jeevan Mangal Building No.4, Residency Road, Bengaluru – 560 025]