Last Updated: December 29, 2025

1. Acceptance of Terms

Welcome to Nidhivriddhi Financial Advisors LLP (“Nidhivriddhi,” “we,” “us,” or “our”). By accessing or using our website https://nidhivriddhi.com (the “Website”) and our financial advisory services (collectively, the “Services”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use our Website or Services.

These Terms constitute a legally binding agreement between you (the “User,” “you,” or “your”) and Nidhivriddhi Financial Advisors LLP.

2. Definitions

• “AMC” means Asset Management Company registered with SEBI

• “AMFI” means Association of Mutual Funds in India

• “Client” means any person who has registered for our Services

• “KYC” means Know Your Customer verification process

• “Mutual Funds” means mutual fund schemes offered by various AMCs in India

• “SEBI” means Securities and Exchange Board of India

• “Services” means financial advisory, investment facilitation, and related services provided by Nidhivriddhi

3. Services Description

3.1 Financial Advisory Services

We provide financial advisory and distribution services for mutual fund investments, including:

• Portfolio analysis and investment recommendations

• Mutual fund selection and asset allocation advice

• Systematic Investment Plan (SIP) facilitation

• Transaction processing for purchase, redemption, and switches

• Portfolio tracking and performance monitoring

• Investment research and market insights

3.2 Distributor Status

Nidhivriddhi is registered as a mutual fund distributor with AMFI. We facilitate investments in mutual funds offered by SEBI-registered AMCs. We do not manage funds or guarantee returns on investments.

3.3 Service Limitations

• We do not provide tax, legal, or accounting advice

• We do not guarantee investment performance or returns

• We do not take custody of client funds or securities

• We are not portfolio managers or investment advisers registered under SEBI (Portfolio Managers) Regulations or SEBI (Investment Advisers) Regulations

4. User Eligibility and Registration

4.1 Eligibility

You must meet the following criteria to use our Services:

• Be at least 18 years of age

• Be a resident of India (or NRI with valid documentation)

• Have legal capacity to enter into binding contracts

• Possess a valid PAN card issued by the Income Tax Department

• Have completed KYC verification as per SEBI/AMFI requirements

4.2 Account Registration

To access our Services, you must:

• Provide accurate, complete, and current information during registration

• Complete KYC verification with supporting documents

• Maintain and promptly update your account information

• Keep your login credentials confidential

• Notify us immediately of any unauthorized account access

4.3 Account Security

You are responsible for:

• Maintaining the confidentiality of your username and password

• All activities that occur under your account

• Ensuring that no unauthorized person uses your account

• Immediately notifying us of any security breach

5. Investment Process and Transactions

5.1 Transaction Processing

• All investment transactions are processed through SEBI-registered AMCs and their Registrar and Transfer Agents (RTAs)

• Transaction requests are subject to cut-off times prescribed by SEBI

• NAV (Net Asset Value) applicability is determined by AMC/RTA based on time of realization of funds

• We do not guarantee execution of transactions at any specific NAV

5.2 Payment and Settlement

• Payments must be made from your registered bank account

• Third-party payments are not permitted as per SEBI regulations

• All transactions are subject to realization of funds

• Refunds for failed transactions will be processed as per AMC/RTA policies

5.3 Order Modifications and Cancellations

• Orders can be modified or cancelled only before submission to AMC/RTA

• Once processed, cancellation is subject to AMC policies and applicable exit loads

• We are not liable for losses arising from cancellation requests received after order execution

6. Fees and Charges

6.1 Service Charges

• Our services may be offered on a commission basis or fee basis

• Commissions are paid by AMCs from their management fees and do not represent an additional charge to you

• Any direct fees charged to clients will be clearly disclosed before service provision

• All fees are subject to applicable taxes

6.2 Transaction Charges

• Investments above specified thresholds may attract transaction charges as per SEBI regulations

• Exit loads and other AMC charges apply as per the respective scheme documents

• Payment gateway charges may apply for online transactions

7. Investment Disclosures and Risk Warnings

7.1 Standard Risk Disclosures

IMPORTANT INVESTMENT RISK DISCLOSURE:

• Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing.

• Past performance is not indicative of future returns

• There is no assurance or guarantee of returns

• Mutual fund NAVs can go up or down based on market conditions

• Investors may not get back the original amount invested

7.2 Specific Risk Categories

Different mutual fund categories carry different risk profiles:

• Equity Funds: High risk, high return potential, suitable for long-term investors

• Debt Funds: Low to medium risk, subject to interest rate and credit risk

• Hybrid Funds: Medium risk with combination of equity and debt exposure

• Sectoral/Thematic Funds: Very high risk due to concentrated exposure

7.3 Suitability Assessment

• Investment recommendations are based on information provided by you

• You are responsible for providing accurate information about your risk profile, financial goals, and investment horizon

• We are not liable for losses arising from incorrect information provided by you

• You should independently assess suitability before making investment decisions

7.4 No Guaranteed Returns

• We do not promise, guarantee, or assure any specific returns on investments

• Statements regarding potential returns are estimates and not guarantees

• Historical performance data is for reference only

8. User Obligations and Prohibited Activities

8.1 User Responsibilities

You agree to:

• Provide true, accurate, and complete information

• Comply with all applicable laws and regulations

• Make informed investment decisions after reading scheme documents

• Verify all transaction details before confirmation

• Maintain adequate funds in your bank account for SIP/transaction processing

• Review account statements and report discrepancies promptly

8.2 Prohibited Activities

You shall not:

• Use the Services for any unlawful purpose or illegal activity

• Engage in money laundering, terrorist financing, or other financial crimes

• Provide false or misleading information

• Use another person’s account without authorization

• Attempt to gain unauthorized access to our systems

• Interfere with or disrupt the Services or servers

• Use automated systems or bots to access the Services

• Reproduce, duplicate, or copy any content without written permission

• Violate any applicable securities laws or regulations

8.3 Anti-Money Laundering Compliance

You acknowledge that:

• We are required to comply with Prevention of Money Laundering Act (PMLA), 2002

• We may request additional documentation to verify source of funds

• We reserve the right to refuse or reverse suspicious transactions

• Non-compliance with verification requests may result in account suspension

9. Intellectual Property Rights

9.1 Ownership

All content on the Website, including text, graphics, logos, images, software, and data compilations, is the property of Nidhivriddhi or its licensors and is protected by Indian and international copyright, trademark, and other intellectual property laws.

9.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes. This license does not permit:

• Commercial use or resale of the Services

• Collection or use of content for competitive purposes

• Derivative works based on our content

• Framing or mirroring of any Website content

9.3 Trademarks

“Nidhivriddhi” and related logos are trademarks of Nidhivriddhi Financial Advisors LLP. Use of these trademarks without written permission is strictly prohibited.

10. Content and Information Accuracy

10.1 Information Provided

• Information on the Website is for general informational purposes only

• While we strive for accuracy, we do not warrant completeness or currentness of information

• NAV data, scheme information, and market data are sourced from third parties and may contain errors

• We are not liable for decisions made based on information provided on the Website

10.2 Third-Party Content

• Our Website may contain links to third-party websites (AMCs, RTAs, payment gateways)

• We do not endorse or assume responsibility for third-party content

• Your use of third-party websites is subject to their terms and policies

10.3 User-Generated Content

If we allow user submissions (reviews, comments, feedback):

• You grant us a non-exclusive, royalty-free license to use such content

• You represent that you own or have rights to submitted content

• We reserve the right to remove any content at our discretion

• We are not responsible for user-generated content

11. Disclaimers and Limitations of Liability

11.1 Service Availability

• Services are provided “as is” and “as available”

• We do not guarantee uninterrupted, timely, secure, or error-free operation

• Technical issues, maintenance, or force majeure events may cause service disruptions

• We are not liable for losses due to service unavailability

11.2 Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any indirect, incidental, consequential, or punitive damages

• We are not liable for investment losses or opportunity costs

• Our total liability shall not exceed the fees paid by you in the preceding 12 months

• We are not liable for third-party failures (AMCs, RTAs, banks, payment gateways)

11.3 Exclusions

We are not responsible for:

• Market fluctuations and investment losses

• Delays in transaction processing by third parties

• Tax implications of investments

• Changes in regulatory policies affecting investments

• Acts of God, war, terrorism, or other events beyond our control

11.4 Technology Disclaimer

• We employ reasonable security measures but cannot guarantee absolute security

• Data transmission over the internet carries inherent risks

• You are responsible for protecting your devices from viruses and malware

• We are not liable for unauthorized access due to user negligence

12. Regulatory Compliance and Investor Protection

12.1 SEBI/AMFI Compliance

• We comply with SEBI (Mutual Funds) Regulations, 1996 and subsequent amendments

• We adhere to AMFI Guidelines for Mutual Fund Distributors

• We follow prescribed conduct and ethical standards

• We maintain registration with relevant regulatory authorities

12.2 Investor Grievances

For investment-related grievances:

1. Contact our Grievance Officer (details in Section 19)

2. If unresolved, escalate to the respective AMC

3. Approach SEBI’s SCORES portal (https://scores.gov.in)

4. Contact Investor Education and Protection Fund (IEPF) Authority

12.3 Investor Rights

You have the right to:

• Receive complete scheme information and disclosures

• Regular account statements and transaction confirmations

• Timely processing of redemption requests

• Lodge complaints with regulatory authorities

• Switch between regular and direct plans (subject to AMC policies)

13. Data Protection and Privacy

Your personal information is collected, used, and protected in accordance with our Privacy Policy, which forms an integral part of these Terms. By using our Services, you consent to data processing as described in the Privacy Policy in compliance with Information Technology Act, 2000 and related rules.​

14. Termination

14.1 Termination by You

You may terminate your account at any time by:

• Submitting a written termination request

• Redeeming all investments and closing your portfolio

• Completing any pending transactions

14.2 Termination by Us

We reserve the right to suspend or terminate your account if:

• You violate these Terms or applicable laws

• We suspect fraudulent or illegal activity

• You provide false or misleading information

• Your account remains inactive for an extended period

• Required by regulatory authorities

14.3 Effect of Termination

Upon termination:

• Your access to Services will cease

• Outstanding transactions will be completed

• Your data will be retained as per regulatory requirements

• You remain liable for all obligations incurred before termination

15. Modifications to Terms

15.1 Right to Modify

We reserve the right to modify these Terms at any time to reflect:

• Changes in our Services or business practices

• Regulatory requirements

• Legal or security considerations

• Technological developments

15.2 Notice of Changes

Material changes will be notified through:

• Prominent notice on the Website

• Email notification to registered users

• SMS notification where applicable

15.3 Acceptance of Changes

Continued use of Services after changes constitutes acceptance of modified Terms. If you do not agree with changes, you must discontinue use of Services.

16. Indemnification

You agree to indemnify, defend, and hold harmless Nidhivriddhi, its directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

• Your violation of these Terms

• Your violation of any laws or regulations

• Your investment decisions and transactions

• Unauthorized use of your account

• Infringement of any third-party rights

• Misrepresentation of information provided by you

17. Dispute Resolution

17.1 Governing Law

These Terms are governed by the laws of India, including but not limited to:

• Indian Contract Act, 1872

• Securities and Exchange Board of India Act, 1992

• Information Technology Act, 2000

• Prevention of Money Laundering Act, 2002

17.2 Jurisdiction

Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of courts in [Your City], India.

17.3 Arbitration

Before approaching courts, parties agree to attempt resolution through:

• Good faith negotiations (30 days)

• Mediation by a mutually agreed mediator

• Arbitration under the Arbitration and Conciliation Act, 1996, if mediation fails

The arbitration shall be conducted in [Your City] in English language by a sole arbitrator mutually appointed by parties.

18. Miscellaneous Provisions

18.1 Entire Agreement

These Terms, along with our Privacy Policy and other referenced documents, constitute the entire agreement between you and Nidhivriddhi regarding use of our Services.

18.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

18.3 Waiver

Our failure to enforce any right or provision shall not constitute a waiver of that right or provision.

18.4 Assignment

You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights and obligations without restriction.

18.5 Force Majeure

We are not liable for failure to perform due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, strikes, government actions, internet failures, or power outages.

18.6 Relationship

These Terms do not create any partnership, joint venture, employment, or agency relationship between you and Nidhivriddhi.

18.7 Electronic Communications

By using our Services, you consent to receive electronic communications from us. These communications may include notices, agreements, disclosures, and other information. You agree that electronic communications satisfy any legal requirement for written communication.

19. Contact Information

For questions, concerns, or grievances regarding these Terms or our Services:

Nidhivriddhi Financial Advisors LLP
Registered Office: [Your Complete Address]
Email: [info@nidhivriddhi.com]
Phone: [Your Contact Number]
Website: https://nidhivriddhi.com

Grievance Officer:
Name: [Grievance Officer Name]
Email: [grievance@nidhivriddhi.com]
Phone: [Grievance Officer Contact]
Working Hours: Monday to Friday, 9:30 AM to 6:00 PM IST

AMFI Registration Number: [Your AMFI Registration Number]
ARN Code: [Your ARN Code]

Acknowledgment

BY CLICKING “I AGREE,” REGISTERING FOR AN ACCOUNT, OR USING OUR SERVICES, YOU ACKNOWLEDGE THAT:

1. You have read, understood, and agree to be bound by these Terms of Use

2. You have read and understood all investment risk disclosures

3. You understand that mutual fund investments are subject to market risks

4. You consent to electronic communications and transactions

5. You authorize us to facilitate investment transactions on your behalf

6. You have reviewed our Privacy Policy and consent to data processing

7. You are eligible to invest in mutual funds under applicable laws