Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the website located at www.finopoli.com and mobile application named BUILD (collectively the “Platform”), which is owned and operated by ADORN GLOBAL PRIVATE LIMITED, a company incorporated under the laws of India, having its registered office at 101, Aaradhya Swastik, Plot No. 373, 6th Rd, Near Sandu Garden, Chembur East, Mumbai, Maharashtra, 400071 (hereinafter referred to as the “Company”, “we”, “us” or “our”).

These Terms constitute a legally binding agreement between the Company and any individual using the Platform and/or the services made available through the Platform (hereinafter referred to as “user”, “you” or “your”).

By creating an account on or otherwise using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy and any other policies or guidelines incorporated herein by reference. At the time of creating your account, you will be required to provide your express acceptance of these Terms and the Privacy Policy by selecting the designated checkbox provided for that purpose. If you do not agree to these Terms or the Privacy Policy, you must not create an account on or use the Platform.

Additionally, you may use our Platform only if:

1. you have expressly read, understood and agree to be bound by the entire Terms, as set out herein along with the Privacy Policy;
2. you are at least 18 years of age; and
3. you are capable of understanding and accessing the Platform and the associated documents in English and acknowledge that the Terms, Privacy Policy and notices may also be made available in other Indian languages.

The Company reserves the right to modify, amend, or update these Terms at any time in its sole discretion. Any updated version of these Terms shall specify the revised version number and effective date. Where the Company makes any material changes to these Terms, it shall notify users on the Platform or through the email address associated with their user account. Your continued use of the Platform following the publication of revised Terms shall constitute your acceptance of such revised Terms.

You may withdraw your consent at any time by accessing the https://www.finopoli.com/manage-privacy, also reachable in the Build app via Settings then Privacy. Upon such withdrawal, your right to access and use the Platform shall cease, subject to any obligations or rights that survive under these Terms or applicable law.

These Terms shall be binding upon and inure to the benefit of the parties and their respective permitted successors and assigns. The headings used in these Terms are for convenience only and shall not affect the interpretation of any provision herein.

Table of contents:

1. ELIGIBILITY

The Platform is intended solely for individuals who are 18 (eighteen) years of age or older and are competent to enter into legally binding contracts under applicable law. At the time of creating an account, you may be required to verify or confirm that you are at least 18 (eighteen) years of age. By agreeing to these Terms through creation of an account on or use of the Platform, you represent and warrant that you satisfy these eligibility requirements.

2. REGISTRATION

To access certain features of the Platform, users may be required to create an account by providing certain information, including their name, email address, and a password.

By registering for an account, you agree to:

1. Provide accurate, current, and complete information during the registration process and keep such information updated.
2. Maintain the confidentiality of your account credentials and be solely responsible for all activities that occur under your account.
3. Notify the Company promptly of any unauthorized use of your account or any other breach of security.
4. Use the Platform and your account only for lawful purposes and in accordance with these Terms.
5. Receive account-related communications from the Company, including registration confirmations, security notifications, service announcements, and other communications necessary for the administration of your account.
6. Ensure that you exit from your account at the end of each session when accessing the Platform. The Company will not be liable for any loss or damage arising from your failure to comply with this Section 2.

You acknowledge that the Company may establish general practices and limits concerning use of the Platform, including without limitation the maximum period of time that data or other content will be retained by the Platform and the maximum storage space that will be allotted on the Company’s servers on your behalf. Where such data or content is no longer required for the purposes for which it was collected or processed, it will either be securely deleted, anonymised, or retained in an archived form only to the extent required under applicable law or the Company’s Privacy Policy.

You acknowledge that the Company reserves the right to terminate accounts that are inactive for an extended period of time. You further acknowledge that the Company reserves the right to change these general practices and limits from time to time. Where any such change materially affects your use of the Platform or the processing or retention of your Personal Data, the Company will notify you on the Platform or through the email address associated with your account.

3. PURPOSE

The Platform is made available to provide users with educational content, courses, assessments, market simulations, discipline score, personalised learning features, and other educational tools designed to enhance financial literacy, investment knowledge, and decision-making.

The Platform is intended solely for educational and informational purposes. Any content, learning material, assessments, insights, discipline score, or other features made available through the Platform are designed to support your learning experience and should not be construed as investment, financial, legal, tax, or other professional advice, or as a recommendation to buy, sell, or hold any security or financial product. Users remain solely responsible for evaluating any information provided through the Platform and for making their own independent decisions. (“Purpose”).

4. USE OF THE PLATFORM

The Platform and its content are made available solely for the Purpose described in these Terms and for your personal, lawful, and non-commercial use. You may access and use the Platform only in accordance with these Terms and applicable laws.

The Company reserves the right to determine whether any use of the Platform is consistent with its intended purpose and may suspend, restrict, or terminate access to any user who violates these Terms.

Accuracy of Information

Where you create an account on the Platform, you agree to:

• provide accurate, complete, and current information during registration;
• promptly update any information that becomes inaccurate or outdated;
• not impersonate any person or entity or misrepresent your identity or affiliation with any person or entity.

The Company reserves the right to suspend or terminate any account containing false, misleading, incomplete, or inaccurate information.

Account Security

If you register for an account, you are responsible for maintaining the confidentiality of your login credentials and for all activities conducted through your account.

You agree not to share your password or permit any other person to access the Platform using your account. You must notify the Company immediately of any unauthorized access to or use of your account.

Prohibited Activities

You shall not:

1. copy, reproduce, distribute, publish, modify, sell, license, or otherwise exploit any content, materials, databases, graphics, logos, or information available on the Platform without the Company’s prior written consent;
2. use any automated means, including bots, spiders, crawlers, scrapers, data mining tools, or similar technologies, to access, extract, monitor, copy, or collect information from the Platform;
3. attempt to gain unauthorized access to any part of the Platform, its servers, systems, networks, or databases;
4. interfere with, disrupt, or impair the operation, security, or functionality of the Platform;
5. introduce viruses, malware, malicious code, or any other harmful technology into the Platform;
6. impersonate any person or entity or falsely represent your affiliation with any person or entity;
7. use the Platform for any unlawful, fraudulent, misleading, or harmful purpose;
8. use information obtained from the Platform to develop, support, or operate any product, service, or business that competes with the Company.

5. RESTRICTIONS REGARDING MATERIALS

All content and materials available on the Platform, including without limitation text, articles, guides, databases, compilations, graphics, logos, trademarks, designs, images, photographs, videos, software, Platform layout, proprietary methodologies, algorithms, scoring methodologies, including those used to generate the discipline score, and other materials (collectively, the “Materials”), are owned by or licensed to the Company and are protected under applicable intellectual property laws.

Except as expressly permitted under these Terms, you shall not copy, reproduce, distribute, modify, publish, transmit, display, perform, create derivative works from, sell, license, exploit, or otherwise use any Materials without the prior written consent of the Company or the relevant rights holder.

Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform and its Materials solely for your personal, non-commercial, and informational purposes. Without limiting the foregoing, the methodology used to generate the discipline score is proprietary to the Company and shall not be disclosed or shared with any user or third party.

You shall not:

1. reproduce or republish substantial portions of the Materials on any Platform, database, or other medium;
2. use the Materials for any commercial purpose without the Company’s prior written consent;
3. remove, alter, or obscure any copyright, trademark, or proprietary notices contained in the Materials;
4. mirror, frame, archive, scrape, or otherwise reproduce the Platform or any substantial portion of its content on another server, platform.

In connection with your use of the Platform you will not engage in or use any data mining, robots, scraping or similar data gathering or extraction methods. If you are blocked by the Company from accessing the Platform (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking (e.g., by masking your IP address or using a proxy IP address). Any use of the Platform, its Materials or its proprietary methodologies other than as specifically authorized herein is strictly prohibited. Any rights not expressly granted herein are reserved by the Company.

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback relating to the Platform (“Submissions”) provided by you to the Company are non-confidential and the Company will be entitled to the unrestricted use and dissemination of these Submissions for any purpose, without acknowledgment or compensation to you. Any personal data contained in or submitted together with such Submissions shall be collected, used, stored, and otherwise processed in accordance with the Company’s Privacy Policy.

6. PRIVACY

The Company’s collection, use, storage, disclosure, transfer, retention and processing of your personal data is governed by the Privacy Policy, which forms an integral part of these Terms. At the time of creating an account on the Platform, you will be required to provide your express acceptance of the Privacy Policy by selecting the designated checkbox provided for that purpose.

You are responsible for ensuring that all personal data and other information provided by you to the Company is accurate, complete, and kept up to date. You agree to promptly update any information that becomes inaccurate or outdated.

7. CONSENT ON BEHALF OF GROUP COMPANIES

Where applicable, the consent obtained from you for the collection and processing of your personal data shall be obtained by the Company on behalf of itself and its group companies for the purposes solely specified in the Privacy Policy. Such consent shall apply to the processing of your personal data by the Company and its relevant group companies in accordance with the Privacy Policy and applicable law.

For the avoidance of doubt, such consent shall not constitute consent or authorisation for the sharing or disclosure of your identifiable personal data with any group company engaged in providing investment advisory as regulated by Securities and Exchange Board of India.

8. DISCLAIMER OF WARRANTY

The Platform and all content, information, learning materials, assessments, simulations, tools, insights, discipline score, and other services made available through the Platform are provided on an “as is” and “as available” basis.

To the fullest extent permitted under applicable law, the Company makes no representations or warranties of any kind, whether express, implied, statutory, or otherwise, regarding the Platform or any content available through it, including any warranties of accuracy, completeness, reliability, availability, merchantability, fitness for a particular purpose, non-infringement, or uninterrupted operation.

The Platform is intended solely for educational and informational purposes. The content, learning materials, assessments, simulations, insights, discipline score and any AI-assisted features made available through the Platform are designed to support your learning experience only and do not constitute investment, financial, legal, tax or other professional advice, or a recommendation to buy, sell or hold any security or financial product.

The Company does not warrant that the Platform will operate uninterrupted, error-free, secure, or free from viruses, malware, or other harmful components. Access to the Platform may be suspended, restricted, delayed, or unavailable from time to time due to maintenance, technical issues, system failures, or circumstances beyond the Company's control.

Any reliance placed on information obtained through the Platform is at the user’s sole risk.

9. INDEMNIFICATION AND RELEASE

BY ACCEPTING THESE TERMS, YOU AGREE TO RELEASE, INDEMNIFY, DEFEND, AND HOLD HARMLESS THE COMPANY, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SUBSIDIARIES, AND PARTNERS FROM AND AGAINST ANY CLAIMS, LOSSES, LIABILITIES, DAMAGES, COSTS, EXPENSES, AND REASONABLE LEGAL FEES TO THE EXTENT ARISING OUT OF OR RELATING TO: (I) YOUR USE OR MISUSE OF THE PLATFORM; (II) ANY INFORMATION OR MATERIAL PROVIDED BY YOU; (III) YOUR VIOLATION OF THESE TERMS; OR (IV) YOUR VIOLATION OF ANY APPLICABLE LAW OR THE RIGHTS OF ANY THIRD PARTY, EXCEPT TO THE EXTENT ARISING FROM THE COMPANY’S FRAUD, GROSS NEGLIGENCE OR WILFUL MISCONDUCT.

10. LIMITATION OF LIABILITY

In no event and under no circumstances and under no legal theory, tort, contract, or otherwise, the Company shall be liable to you or any third party for any indirect, incidental, consequential or punitive damages, arising out of any access to or any use of or any inability to access or use this Platform including any material, information, links, and content accessed through this Platform. The aggregate liability of the Company for any direct damages arising out of or in connection with the foregoing shall not exceed the total amount paid by you to the Company during the 12 (twelve) months immediately preceding the event giving rise to the claim. Nothing in these Terms shall exclude or limit the Company’s liability for fraud, gross negligence, wilful misconduct, or any liability that cannot be excluded or limited under applicable law.

11. TERMINATION/SUSPENSION

The Company reserves the right, at its sole discretion, to suspend, restrict, disable, or terminate your access to the Platform, in whole or in part, at any time and with or without notice, if the Company reasonably believes that:

1. you have breached these Terms or any applicable policy of the Company;
2. your use of the Platform is unlawful, fraudulent, misleading, abusive, or otherwise inconsistent with the intended purpose of the Platform;
3. your actions may expose the Company, other users, or any third party to legal liability, security risks, reputational harm, or other adverse consequences; or
4. such suspension, restriction, or termination is otherwise necessary to protect the Platform, its users, or the Company’s legitimate business interests.

The Company may also suspend or discontinue the Platform, or any part of it, at any time without liability to users.

The Company reserves the right to modify, suspend or discontinue, temporarily or permanently, the Platform (or any part thereof) at any time. Where any such change materially affects the availability or functionality of the Platform, the Company will notify you on the Platform for a reasonable period of time following such change or by sending an email to the email address associated with your user account.

Upon termination or suspension, your right to access and use the Platform shall immediately cease. Any provisions of these Terms which by their nature are intended to survive termination or suspension shall continue to remain in full force and effect.

12. MISCELLANEOUS

12.1 Amendment to these Terms

The Company may amend, modify or update these Terms from time to time to reflect changes in applicable law, the Platform, or the services offered through the Platform. Any updated version of these Terms shall specify the revised version number and effective date. Where the Company makes any material changes to these Terms, the Company shall notify users on the Platform or through the email address associated with their user account, where appropriate, prior to or upon such changes taking effect.

Users are encouraged to review these Terms periodically to remain informed of the latest version. Your continued access to or use of the Platform after the effective date of the revised Terms shall constitute your acceptance of such revised Terms.

12.2 Dispute Settlement

The Company is committed to resolving any concerns or disputes in a fair, efficient, and cost-effective manner. If you have any dispute, complaint, claim, or concern arising out of or relating to these Terms, the Platform, or your use of the Platform, you agree to first contact the Company and make a good-faith effort to resolve the matter informally by sending a written notice to the Company at the contact details provided in Section 13 of these Terms.

The notice shall contain sufficient details of the dispute, including the nature of the claim, relevant facts, supporting information, and the relief sought. The parties shall use reasonable efforts to resolve the dispute through mutual discussions within 90 (ninety) days from the date the notice is received. If the dispute is not resolved through discussions within such period, either party may refer the dispute to arbitration in accordance with Section 12.3 below.

12.3 Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Any dispute, controversy, claim, or difference arising out of or relating to these Terms, the Platform, or the use of the Platform, including any question regarding its existence, validity, interpretation, performance, breach, or termination, which cannot be resolved amicably in accordance with Section 12.2, shall be referred to and finally resolved by arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 1996, as amended from time to time. The arbitration shall be conducted by a sole arbitrator appointed mutually by the parties. If the parties fail to agree on the appointment of the arbitrator within 30 (thirty) days of a written request for arbitration, the arbitrator shall be appointed in accordance with the Arbitration and Conciliation Act, 1996. The seat and venue of arbitration shall be Mumbai, Maharashtra, India. The arbitration proceedings shall be conducted in the English language. The arbitral award shall be final and binding upon the parties and may be enforced by any court of competent jurisdiction. Subject to the arbitration provisions above, the courts at Mumbai, Maharashtra, India shall have exclusive jurisdiction with respect to any application for interim relief, enforcement of an arbitral award, or any matter that is not capable of resolution through arbitration under applicable law.

12.4 Local Laws

You are responsible for compliance with applicable local laws including but not limited to the export and import regulations of other countries, while consuming the information and the services as available through the Platform.

12.5 Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy (where applicable), and any other policies or guidelines expressly incorporated by reference, constitute the entire agreement between you and the Company regarding your access to and use of the Platform and supersede all prior or contemporaneous communications, representations, understandings, or agreements, whether written or oral, relating to the subject matter hereof.

12.6 Severability

If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, such provision will be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law and the remaining provisions of these Terms shall remain in full force and effect.

12.7 Assignment and Delegation

You may not assign or delegate your rights under these Terms or the limited license that has been extended to you, and any assignment and/or delegation of these Terms or any sub licensing by you will be null and void, if any case of this nature is brought to our notice in addition to any other remedies that we may have under the law, we reserve our rights to claim damages and seek an injunction against you.

12.8 Availability of Services

Services are provided on an AS IS and AS AVAILABLE basis, and on a best-efforts basis, however, there are no server uptime guarantees.

Any regulations, guidelines, legislations or lawful orders of a court or a quasi-judicial body may require us to change alter or stop our services. Similarly, any force majeure events which are beyond our reasonable control, may cause an interruption in the services.

13. HOW YOU MAY CONTACT US:

If you have any questions regarding this Terms, you may contact us at hello@finopoli.com.

Grievance Officer: Krunal Nilesh Sheth

Address: 101, Aaradhya Swastik, Plot No. 373, 6th Rd, Near Sandu Garden, Chembur East, Mumbai 400071.

Email: grievance@finopoli.com