Terms of Use

These Terms of Use (“Terms”) govern access to and use of the SheFin website, mobile application, and related services (collectively, the “Platform”) operated by Finanza InvesTek Private Limited, operating under the brand name SheFin (“SheFin”, “Company”, “We”, “Us”, or “Our”).

By accessing or using the Platform, you agree to be legally bound by these Terms and the Privacy Policy.

If you do not agree, please discontinue use of the Platform.

1. Nature of the Platform

SheFin is a digital financial engagement and facilitation platform designed to improve financial awareness, participation, and access to investment products, particularly for women users.

The Platform may provide:

• financial education and informational content
• investment discovery tools
• goal-based planning interfaces
• product facilitation through licensed intermediaries
• onboarding assistance
• transaction facilitation through regulated partners

SheFin does not provide personalised investment advice, unless expressly stated under applicable regulatory registrations.

All investment decisions remain solely the responsibility of the User.

2. Eligibility

You must:

• be at least 18 years old;
• be capable of entering a legally binding contract;
• be a resident permitted under Indian law to use financial services.

3. Account Registration

To access certain services, you must create an account using:

• mobile number verification;
• OTP authentication; or
• other identity verification methods.

You agree to provide accurate and updated information.

4. Platform Services

Services may include:

1. Access to financial education content;
2. Investment product facilitation through authorised partners;
3. Mutual fund and financial product execution support;
4. Insurance facilitation (where applicable);
5. Goal tracking and financial insights;
6. Customer support and onboarding assistance;
7. Any future services introduced by SheFin.

5. Educational Content Disclaimer

All content on SheFin is educational, informational and general in nature based on publicly available information. It does not constitute financial advice, investment recommendation or tax or legal advice. Users should seek independent professional advice before investing.

6. Investment Risks

All investments are subject to market risks.

SheFin does not guarantee returns, performance and capital protection. Past performance is not indicative of future results.

7. User Responsibilities

You agree to:

• maintain confidentiality of login credentials;
• use lawful funds;
• provide accurate KYC information;
• promptly report unauthorised access.

You are responsible for all activities conducted through your account.

8. Mobile Application Permissions

By using the SheFin mobile application, you consent to:

• push notifications;
• device and usage analytics;
• biometric authentication (if enabled);
• app performance monitoring.

Permissions may be withdrawn through device settings, which may limit functionality.

9. Third-Party Services

SheFin may integrate with payment gateways, KYC providers, asset management companies, insurers and analytics providers. Such services operate under their own terms and policies.

SheFin is not responsible for third-party platform performance.

10. Communications Consent

You consent to receiving communications via:

• email
• SMS
• WhatsApp
• in-app notifications
• automated alerts

You may opt out of non-essential communications.

11. Intellectual Property

All Platform content, branding, software, and materials belong exclusively to SheFin or its licensors.

Users may not reproduce or commercially exploit any content without written permission.

12. Data Usage & Personalisation

You authorise SheFin to use your data to:

• improve services;
• personalise experiences;
• generate insights;
• provide relevant educational or product information.

Data handling is governed by the Privacy Policy.

13. Limitation of Liability

SheFin shall not be liable for

• market losses,
• third-party failures;
• technical interruptions;
• reliance on informational content;
• delays caused by banks or intermediaries.

Services are provided on an “as-is” and “as-available” basis.

14. Indemnity

You agree to indemnify SheFin against claims arising from:

• breach of these Terms;
• fraudulent or inaccurate information;
• unlawful use of the Platform.

15. Suspension or Termination

SheFin may suspend or terminate access for violation of Terms, regulatory requirements and suspected fraud or misuse.

16. Changes to Terms

SheFin may update these Terms periodically. Continued use constitutes acceptance of revised Terms.

17. Force Majeure

SheFin shall not be liable for failure due to events beyond reasonable control, including technical failures, cyber incidents, governmental actions, or natural events.