TERMS AND CONDITIONS

These Terms and Conditions (“Terms”) govern access or use by you (“user”, “you”, “your”) of the Platform (defined below) provided by Aditya Birla Capital Digital Limited (“ABCDL”, “we”, “us” or “our”), a company established under the laws of India, having its registered office at 18th Floor, One World Center, Tower 1, Jupiter Mills Compound, 841 Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Please read these Terms carefully before accessing or using the Platform or our Services (defined below). These Terms also include our Privacy Policy, available at https://www.adityabirlacapital.com/abcd/privacy-policy (“Privacy Policy”) and the Additional Terms and Conditions (defined below).

Your access and use of the Platform and the Services constitute your agreement to be bound by these Terms, which establishes a contractual relationship between you and ABCDL. If you do not agree to these Terms, you may not access or use the Services or the Platform and/or immediately terminate the Services and/or uninstall the Mobile Application. For the avoidance of doubt, it is clarified that these Terms shall apply to all Services offered by ABCDL.

We may amend the Terms at any time by posting an updated version on the Platform or otherwise. The updated version of the Terms shall take effect immediately and it is your responsibility to review these Terms of use periodically for updates / changes. Your continued use of the Platform following the changes shall be deemed to mean that you accept and agree to the revisions including additional Terms or removal of portions of these Terms, modifications etc. As long as you comply with these Terms, we grant you a personal, non-exclusive, non-transferable, limited privilege to use the Platform and avail the Services.

Usage of this Platform indicates your consent to these Terms; however we strongly recommend you to read the terms carefully before continuing to use the Platform /Services.

For the purpose of further clarity, this document is an electronic record in terms of the Information Technology Act, 2000, (“IT Act”) and the amendments thereof from time to time and the rules thereunder as applicable, and the amended provisions pertaining to electronic records in various statutes as amended by the IT Act. This electronic record is generated by a computer system and does not require any physical or digital signatures.

1. DEFINITIONS

1.1 "Additional Information” shall have the same meaning as ascribed to it under Clause 5.3 hereinbelow.

1.2 “Additional Terms and Conditions” shall mean any guidelines, additional terms, policies, or disclaimers made available or issued by us, any third party or Affiliate from time to time in relation to the respective Service.

1.3 “Affiliate(s)” shall mean group companies, associates, and/or subsidiaries of ABCDL and / or Aditya Birla Capital Limited.

1.4 "AI Chatbot" shall mean an artificial intelligence technology application which generates responses.

1.5 “AMFI” shall mean the Association of Mutual Funds in India;

1.6 “Applicable Law(s)” means any statute, law, regulation, ordinance, rule, judgment, notification, order, decree, by-law, permit, licences, approvals, consents, authorisations, government approvals, directives, guidelines, requirements, or other governmental restrictions, or any similar form of a decision of, or determination by, or any interpretation, policy or administration, having the force of the law of any of the foregoing, by any Authority, whether in effect as on the date of you agreeing to be bound by these Terms or at any time thereafter.

1.7 “Asset Management Company” or “AMC” shall mean an entity which is registered with the SEBI and handles the day-to-day operations and investment decisions of a Mutual Fund.

1.8 “Authority” shall mean any judicial, quasi-judicial, governmental authority, statutory authority, regulatory authority, self-regulatory authority, government department, agency, commission, board, rule or regulation-making entity or authority having or purporting to have jurisdiction over you or us, or other subdivision thereof to the extent that the rules, regulations, standards, requirements, procedures, or orders of such authority, body, or organisation have the force of any Applicable Law or any court or tribunal having jurisdiction, including but not limited to the Reserve Bank of India, Insurance Regulatory and Development Authority of India, Pension Fund Regulatory and Development Authority, Securities and Exchange Board of India, National Payments Corporation of India and Association of Mutual Funds in India.

1.9 “Category Specific Transaction(s)” shall mean successful peer to peer payment(s), peer to merchant payment(s) and/or bill payment(s) undertaken by a user on the Platform, or any other transaction specified in this regard by ABCDL from time to time.

1.10 “CIC Terms” means the terms and conditions of the CICs.

1.11 “Credit Information Company” or “CIC” means a credit information company registered with the Reserve Bank of India in accordance with the provisions of the Credit Information Companies (Regulation) Act, 2005, which ABCDL has partnered with in order to provide the Credit Information Services.

1.12 “Credit Information Report” shall mean the credit information reports which shall be generated by the CIC.

1.13 “Credit Information Services” has the meaning ascribed to the term in Clause 13.2.1.

1.14 “Credit Information” has the same meaning as ascribed to the term under the Credit Information Companies (Regulation) Act, 2005 as may be amended from time to time.

1.15 “Credit Score” means the score that is set out in the Credit Information Report including any inferences, references, and details, as may be provided at the sole discretion of the CIC.

1.16 “Cut-off Time” refers to the cut-off time for the purchase, switch, and redemption of all Mutual Fund schemes as prescribed by the AMC;

1.17 “Device Binding” shall mean the compulsory requirement to register the User’s device as a trusted device for availing/utilising the Services, which the User shall be able to do only while the SIM for mobile phone number is installed/available in the device being registered.

1.18 “Digital Health Evaluation” shall mean the services that provide the user with a report containing a summary of various health parameters based on the information received from a user, such report being derived using a combination of pre-determined set of rules, algorithms, analytics, artificial intelligence.

1.19 “Digital Multi-Metal Products” shall mean digital equivalent of physical metals which enables investors to exchange, trade and hold metal ownership without having physical possession.

1.20 “Health Insurance” shall have the same meaning as ascribed to the term under the Insurance Act, 1938 as may be amended from time to time.

1.21 “Housing Finance” or “Housing Finance Loan” shall have the same meaning as ascribed to the term under the Master Direction Non-Banking Financial Company – Housing Finance Company (Reserve Bank) Directions, 2021 as may be amended from time to time.

1.22 “Investment Account” shall mean your investor profile created/formed by You on the Mobile Application, for availing the Mutual Fund Services;

1.23 “Mobile Application” shall mean mobile application owned and/or operated by ABCDL.

1.24 “Mutual Fund” shall have the same meaning as ascribed to the term under the Securities and Exchange Board of India (Mutual Funds) Regulations 1996 as may be amended from time to time.

1.25 “Mutual Fund Services” shall have the same meaning as ascribed to it under Clause 16.5.1;

1.26 “Mutual Fund Transactions” shall mean an investment undertaken by you in a Mutual Fund scheme or a switch or redemption undertaken by you from a Mutual Fund scheme.

1.27 “Net Asset Value” or “NAV” shall mean the current market value of a Mutual Fund share;

1.28 “Offer Document(s)” shall mean any and all documents relevant to a Mutual Fund scheme including but not limited to scheme information document, statement of additional information, and key information memorandum, issued by the AMC that manages the Mutual Fund;

1.29 “Permitted Time Period” has the meaning as ascribed to the term under Clause 13.1.

1.30 “Platform” shall mean an interface provided by ABCDL through the Mobile Application and Website or otherwise.

1.31 “Purpose” has the meaning as ascribed to the term under Clause 13.2.1.

1.32 “Reward Partners” shall have the same meaning as ascribed to it under Clause 7.2.4.1 of these Terms.

1.33 “Reward Points” shall have the same meaning as ascribed to it under Clause 7 of these Terms.

1.34 “Services” shall have the same meaning as ascribed to it under Clause 3 of these Terms.

1.35 “SIM Binding” shall mean the compulsory requirement of the SIM for mobile phone number being installed/available in the device while the User attempts to use/avail Services.

1.36 “SIP” shall mean a systematic investment plan; and

1.37 “Third Party Services” shall have the same meaning as ascribed to it under Clause 3.2 hereunder.

1.38 “Website” shall mean the website owned and operated by ABCDL.

2. ELIGIBILITY

2.1. By accepting these Terms, you represent and warrant that (a) you have full legal capacity, right and authority to agree to and be bound by these Terms, (b) you are at least 18 (eighteen) years of age or older, (c) you are an Indian resident, (d) you have not been previously suspended or removed by ABCDL or any of its Affiliates from availing the Services or have been disqualified from availing any Services, (e) you are not barred or otherwise legally prohibited from accessing or using the Services, and (f) you are not and will not impersonate any person, entity or falsely state or otherwise misrepresent such person’s or entity’s identity. A person who is not competent to contract may not access this Platform and use the Services. If at any time, ABCDL is of the opinion that you do not satisfy the eligibility criteria, including but not limited to any misrepresentation, misuse of any Service or offers, fraudulent or suspicious activities or transactions, ABCDL retains all rights to disable your access to the Platform and/or suspend / terminate your use of the Services with immediate effect.

2.2. If you represent an entity, organisation, or any other legal person, not being a natural person, you confirm and represent that you are duly authorized by the organization, the entity, the legal person, or management of such organisation, entity, or a legal person to accept these Terms have the necessary power and authority to bind such entity, organisation, or legal person to these Terms.

3. SERVICES

3.1. The Services include provision of the Platform by us and the access to various products and services including financial products and services, Digital Health Evaluation, web-based services, e-commerce and payments facilities, and other allied activities to you through the Platform by us, and as may be amended, added, or withdrawn by us from time to time (“Services”).

3.2. The Services may include services, content, documents, and information owned by, licensed to, or otherwise made available by a third party or our Affiliates (“Third Party Services”), and may also include links to the Third-Party Services. You understand and acknowledge that Third Party Services are the responsibility of the respective third-party or Affiliate that renders such Third Party Services. You further acknowledge that your use of such Third-Party Services is solely at your own risk.

3.3. We make no representations and disclaim all warranties and liabilities arising out of or pertaining to such Third-Party Services including their accuracy or completeness. Should you avail any Third-Party Service, you shall be governed and bound by the Additional Terms and Conditions of the applicable third party or the Affiliate providing the Third-Party Service.

3.4. We shall send all communications to our users by text messages, electronic mails, WhatsApp messages, push notifications and/or via other progressive technology in connection with your access to the Platform, utilisation of the Services and as part of our promotional and marketing strategy. You agree to receive all messages, emails and/or WhatsApp messages including transactional messages from us, any third parties and our Affiliates. We may use Third Party Service providers to send alerts or to communicate with you. You authorize us, our Affiliates and other entities providing Third Party Services to override the DND settings to reach out to you over calls, SMS, emails, WhatsApp messages and any other mode of communication. To the extent permissible under Applicable Law, you agree that all documents, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communication be in writing.

3.5. You further acknowledge that you are responsible for the contact details shared with us and shall update us on any change to your contact details.

3.6. You hereby agree and acknowledge that at any point of time we, or a Third Party Service provider or our Affiliates providing any of the Services on the Platform, shall have the right to reject any of your applications for availing any of the Services provided on the Platform at our, the Third Party Service provider’s or our Affiliate’s sole discretion without assigning any reason to you whatsoever, unless otherwise required under Applicable Law.

3.7. You hereby consent to the use, collection, sharing and processing of your personal information in accordance with our Privacy Policy. You hereby agree, acknowledge and confirm that to the extent permitted under the applicable law, any and all information pertaining to you may be shared by us with our affiliates and/or third-party partners to offer you products or services, including loan products, insurance products, investment products and payment related products. You expressly authorise us in this regard.

3.8. You expressly authorise us, our affiliates, and third-party partners to send you communications via text messages, electronic mails, WhatsApp messages, push notifications and/or any other means in connection with the Services and/or as part of any promotional or marketing strategy by us, our affiliates and/or third-party partners, in relation to any products or services, including loan products, insurance products, investment products and payment related products. You authorise us, our group companies and other entities that provide Third Party Services to override any DND settings to reach me over calls, SMS, emails, WhatsApp messages and any other mode of communication in relation to any products or services, including loan products, insurance products, investment products and payment related products. You also expressly authorise us, our group companies and other entities that provide Third Party Services to reach you over calls, SMS, emails, WhatsApp messages and any other mode of communication as mentioned above for the purpose of assisting you in relation to any of the products or services which you want avail from the Platform.

3.9. You understand and acknowledge that any offers, products, or services presented to you by us shall also be made visible to the employee who referred you. You consent to such information being shared with the referring employee for the limited purpose of enabling them to view the offers extended to you.

3.10. You hereby agree and authorize us to access and retrieve your personal information, including sensitive personal data and information, stored with any third parties, including credit information companies, for the purposes of pre – filling of information in the product / service journeys on the Platform.

4. PROFILE CREATION

4.1. In order to avail the Services, you will be required to create an account on the Platform by providing your details including but not limited to your name, phone number, email address, and date of birth (“Account”). If you choose to create an Account, you agree to provide and maintain true, accurate, and complete information about yourself as prompted on the Platform and failure to do so shall constitute a breach of the Terms, which may result in immediate termination or suspension of your Account. Once registered, certain Services may ask you for additional information in order or avail such Service and may involve creation of sub-accounts for availing such Services.

4.2. The device on which you download the App and use during registration, shall become your registered device and device details shall be stored by us. The moment you log into your account from a different device using the app, you will be asked to allow to send an SMS from the new device, after which the new device becomes the registered device. You will not be able to access your account using your previous device until you re-login and re-authorize yourself on that device. In the event, your phone number using which you have registered is transferred, surrendered and/or deactivated, for any reason whatsoever, it shall be your responsibility to inform us in this regard. In case another individual/person intends to register using the phone number which has been transferred, surrendered and/or deactivated, we would require time to remove/delink the details of the previous Account holder and thereby, reset the account which may take up to Two (2) years from the date of request.

4.3. You are solely responsible for maintaining the confidentiality of the Account details and for any activity that occur through your Account. You agree to immediately notify ABCDL of any actual or suspected unauthorised use of your Account or any other breach of security. ABCDL will not be liable for any losses or damages that may arise from your failure to comply with the above-mentioned provisions or your failure to ensure the confidentiality of your Account or password.

4.4. We reserve the right to disable your access to the Account if, in our reasonable opinion, you are in breach of any provision of the Terms or the Applicable Law or in the event of any actual or suspected unauthorised access to your Account.

4.5. You agree and acknowledge that the device which you use during creation of your Account, shall become your registered device and the details of such device shall be stored by us. In the event you wish to log into your Account on the Platform from a different device, you will be asked to allow ABCDL to authenticate your contact number with the new device, after which the new device becomes the registered device. Your access to the Services is subject to your compliance with the aforementioned Device Binding and SIM Binding requirements in terms of this Clause at all times.

4.6. You shall be solely responsible for ensuring compliance with Applicable Laws and shall be solely liable for any liability that may arise due to a breach of your obligation of complying with Applicable Laws.

5. VERIFICATION

5.1. You may be required to undertake certain additional processes with us in order to avail the Services in order for us to establish your identity and undertake know your customer processes. In this regard, we may require you to upload documents and information (“Documents”) that may be necessary for us to ascertain your eligibility to avail the Services, including the Third-Party Services.

5.2. You authorise us, and any Third-Party Service provider we may engage with, to process your Documents and ascertain your eligibility to avail the Services, including the Third-Party Services. Any processing that we undertake shall be in accordance with our Privacy Policy. You agree that such processing may be subject to Additional Terms and Conditions including in the event a third-party processes information under this Clause.

5.3. Further, during the Term, you agree and acknowledge that we reserve the right to undertake any enhanced due diligence measures (this may include seeking any additional information, data, or documentation (collectively, “Additional Information”)), (i) either independently to satisfy ourselves; or (ii) on behalf of the Third-Party Service provider, to ensure your eligibility for the Services or for your continued use of the Services. You agree to fully cooperate and share such Additional Information promptly upon request, and further authorise us to process such Additional Information.

5.4. You agree and warrant to provide true, complete, and up-to-date Documents and Additional Information to us. If we suspect that the Documents or the Additional information provided by you is unreliable or appears to be fraudulent or deficient, then we reserve the right to not provide you the Services or the Platform, as the case may be.

5.5. ABCDL does not accept any responsibility or liability for any loss or damage that you may suffer or incur if any information, documentation, material, or data provided to avail the Services is incorrect, incomplete, inaccurate, or misleading, or if you fail to disclose any material fact.

5.6. By continuing the usage of the Platform and the Services, you hereby represent that you are not a Politically Exposed Person (“PEP”) as defined under Applicable Law. In the event you are a PEP, or your PEP status changes such that you become a PEP, you agree and undertake to immediately notify us in writing. You further understand that as a PEP, you will be subject to enhanced due diligence measures as may be required by Applicable Law and our internal policies.

5.7. You agree and acknowledge that for undertaking any financial transaction through the Platform, we may undertake client/customer due diligence measurers and seek mandatory information required for Know Your Customer (“KYC”) purpose which as a customer you are obliged to give, while facilitating your request of loan/credit card/mutual fund and / or any other financial product requirements with the banks/financial institutions/partner institutions, in accordance with applicable laws, including Prevention of Money Laundering Act (“PMLA”) and rules. We may obtain sufficient information to establish, to our satisfaction or to the banks/financial institutions/partner institutions’ satisfaction, the identity of each user, and to ascertain the purpose of the intended nature of relationship between you and the bank/financial institution/partner institutions. You agree and acknowledge that we can undertake enhanced due diligence measures (including any documentation), to satisfy ourselves / our partner institutions relating to customer due diligence requirements in line with the requirements and obligations under the applicable laws, including PMLA Act and rules thereunder.

6. ONLINE PAYMENTS

6.1. You understand that ABCDL is only acting as a facilitator and the payment transaction is solely between you who uses the Platform to make his payment (“Sender”) and the recipient who receives such payment from the Sender (“Recipient”) and that we do not provide any guarantees or warranties to you with respect any service, goods, or delivery level commitment provided by the Recipient. We cannot assure that Third Party Services providers or other users are or will be complying with the foregoing Terms or any other provisions mentioned here. You assume all risk of harm or injury resulting from any such lack of compliance by any other user or Third-Party Services providers. You should ensure that you have undertaken adequate due diligence prior to transferring payments using the App or in relation to any of the Services provided on this App.

6.2. You further agree that modes of online payments on this App may be made by the Sender through various modes of payment and will be subject to the terms and conditions of any third - party payment service providers / payment intermediaries whose services are being used by the Sender / Recipient.

7. REWARD TERMS

These terms and conditions as specified in this Clause 7 govern the issuance of reward points (“Reward Points”)and Promotional Offers by ABCDL to you.

7.1. Terms relating to Promotional Offers

7.1.1. Subject to your eligibility under this Clause 7, ABCDL may extend a promotional offer to you at its sole discretion in the form of cashback (“Promotional Offer”) during the offer period (“Offer Period”) as detailed under Clause 7.1.3.

7.1.2. ABCDL hereby clarifies that it does not provide any offers, rewards, incentives, gifts, cashbacks, benefits or inducements, whether monetary or otherwise, by whatever name called, for any payment of an insurance premium or any investment in a mutual fund scheme.

7.1.3. Promotional Offers:

a. Cashback of up to an amount as may be decided by ABCDL on undertaking the first successful payment on the Platform:

i. Offer Period: This offer is valid from the date on which you first download the Platform to the date on which you undertake the first successful payment on the Platform or until revoked, cancelled, or suspended by ABCDL, at its sole discretion.

ii. Eligibility: • During the applicable Offer Period, any user who undertakes his or her first Category Specific Transaction will be eligible to receive a cashback of an amount as may be decided by ABCDL (inclusive of taxes).

• Any subsequent payment made by a user during the Offer Period prescribed under Clause 7.1.3(a)(i), will not entitle such user to a cashback under this offer.

b. Cashback of up to an amount as may be decided by ABCDL on undertaking a total of such number of successful payments during the Offer Period as may be decided by ABCDL in its sole discretion.

7.1.4. The Promotional Offer is not valid for any payment towards an insurance premium and/or any investment in a mutual fund scheme.

7.1.5. You understand that we will only provide you with such incentives as may be permitted under the Applicable Law and our internal policies. Further, you shall be allowed to use any incentive, only in a manner as may be permitted under the Applicable Law and the Terms.

7.1.6. You acknowledge and understand that your eligibility requirements for any Promotional Offer is in addition to your eligibility requirements under the Terms.

7.1.7. In the event, you are eligible for a cashback under any Promotional Offer, and ABCDL, at its sole discretion decides to extend such cashback to you, the cashback will be endeavoured to be provided to you within a period of 5 (five) business days from the date on which you become eligible for such Promotional Offer in accordance with the Terms.

7.1.8. By availing a Promotional Offer, you understand that any Promotional Offer provided to you is merely a promotional activity and we may choose to withdraw the Promotional Offer at any time at our sole discretion. You further understand and acknowledge that ABCDL and its Affiliates will not bear any responsibility or liability for any loss or damage, or potential loss or damage, whether direct or indirect, that a user or any third party may incur in relation to such Promotional Offer.

7.1.9. ABCDL reserves the right, at any time, without prior notice, without assuming any liability, and without providing a specific reason in this regard, to modify, suspend, revoke and/or replace any Promotional Offer, wholly or in part, by another Promotional Offer or otherwise, at its sole discretion.

7.1.10. ABCDL reserves the right to disqualify a user from availing a cashback under any Promotional Offer at its sole discretion, including (a) in accordance with its internal policies; and/or (b) if it suspects or identifies that the user is (i) in violation of the Terms; or (ii) engaged in a fraudulent or unlawful activity.

7.1.11. You understand that each Promotional Offer is offered for a limited time period by ABCDL, as prescribed in the applicable Offer Period.

7.1.12. You understand that any Promotional Offer cannot be claimed as a matter of right. You also understand that an incentive offered to you by us is non-negotiable, non-transferable, non-convertible and is not allowed to be exchanged for cash.

7.1.13. You agree and understand that any advertisement or cash back amount displayed on the Platform or on any other channel shall be deemed to be offering the winners cashback ‘up to’ such amount regardless of whether the word up to is used in such advertisement, display or marketing material on any channel.

7.2. Terms relating to issuance of Reward Points

7.2.1. Scope

7.2.1.1. ABCDL may, at its sole discretion, extend Reward Points to you upon the completion of certain activities on the Platform, as may be solely determined by ABCDL from time to time, to enable you to avail certain offers extended by third parties.

7.2.1.2. Reward Points shall be available only to individuals registered as users on the Platform.

7.2.1.3. You understand that you shall be allowed to use the Reward Points only in a manner as may be permitted under the Applicable Law, these Terms and terms and conditions of the Reward Partners.

7.2.1.4. Reward Points shall not be available to you in the event you are not eligible to accrue such Reward Points pursuant to any Applicable Laws or policies of ABCDL.

7.2.2. Accrual of Reward Points

7.2.2.1. ABCDL may, as per its sole discretion define certain limitations to the maximum amount of Reward Points that you may be entitled to earn over a given period.

7.2.2.2. ABCDL hereby clarifies that it does not provide any Reward Points in relation to:

a) any purchase of an insurance product; or

b) any investment in a mutual fund scheme.

7.2.3. Expiry, Suspension and Termination of Reward Points

7.2.3.1. Reward Points can only be accumulated for the period defined by ABCDL in its sole discretion, from the date of the accrual of the Reward Point, and Reward Points that are not used by you by the end of such period shall lapse and be forfeited.

7.2.3.2. You shall remain active on the Platform to retain and utilise any Reward Points. If your account on the Platform is inactive for 365 (three hundred and sixty five) days or you delete your account, the Reward Points accrued to your account shall lapse.

7.2.3.3. You understand that you will not be compensated in any manner for any lapsed or unused Reward Points.

7.2.3.4. You understand that we may choose to withdraw, amend, replace, extend, suspend, limit, or cancel any Reward Points at any time at our sole discretion, without any notice and liability to you.

7.2.4. Redemption of Reward Points

7.2.4.1. You acknowledge and understand that ABCDL partners with third parties (“Reward Partners”), including without limitation Loylty Rewardz Management Private Limited, that enable you to redeem Reward Points. You further acknowledge and understand ABCDL is in no manner responsible for the redemption of Reward Points. ABCDL makes no representations and disclaims all warranties and liabilities arising out of or pertaining to any redemption provided by Reward Partners or their partner merchants in relation to Reward Points.

7.2.4.2. In addition to these Terms, your participation in a Reward Points program, including without limitation the manner in which the Reward Points may be redeemed, shall be governed by terms and conditions of the relevant Reward Partner as well as the partner merchants of the Reward Partner. ABCDL is neither responsible for the content or information provided by the Reward Partner’s website accessed by you nor does it make any warranty, express or implied, about the contents and validity of such websites.

7.2.4.3. ABCDL has no control over any data shared by you on any Reward Partner’s website. ABCDL shall not be liable for any kind of usage of data by the Reward Partner.

7.2.4.4. You acknowledge that the Reward Partner may issue or make available vouchers, coupons, gift cards or other such Instruments (“Instruments”) and that ABCDL does not issue any Instruments. You agree that your use of the Instruments is entirely subject to the Reward Partner’s terms and conditions, and ABCDL shall not be responsible for any loss, damage, costs or claims of any nature whatsoever, in relation to such use. Any disputes or queries in relation to use of the Instruments shall be taken up directly with the Reward Partner or the Reward Partner’s merchants. ABCDL shall be neither liable nor made party to any such dispute.

7.2.4.5. You further acknowledge and understand that any goods or services availed by redeeming the Reward Points or Instruments, are provided by third parties which the Reward Partner has partnered with and ABCDL (i) does not provide any of the goods or services; and (ii) is not liable for sale, quality, features, fulfilment and/or delivery of the goods or services selected for purchase by you. You further agree that ABCDL shall not be responsible for any loss, damage, costs or claims of any nature whatsoever, in relation to the provision or use of such goods or services. Any disputes or queries in relation to such good or services shall be taken up directly with such third-party offering such goods or services. ABCDL shall be neither liable nor made party to any such dispute.

7.2.4.6. You understand and acknowledge that the products, goods, services or any other offering made available to you by third parties which the Reward Partner has partnered with, through redemption of the Reward Points, are governed by the respective third party’s terms and conditions.

7.2.4.7. Notwithstanding any provision to the contrary, you understand and acknowledge that Reward Points cannot be redeemed to repay loans, invest in mutual fund schemes, or make payments for any insurance product.

7.2.4.8. You acknowledge and understand that the redemption of a Reward Point or Instrument, cannot be cancelled, varied, or reversed.

7.2.5. Disclaimer

7.2.5.1. You acknowledge and understand that ABCDL and its Affiliates will not bear any responsibility or liability for any potential loss or damage, whether direct or indirect, that a user or any third party may incur in relation to any Reward Points or Instrument, or any goods or services availed upon redemption of any Reward Points or Instrument. You acknowledge that purchasing or availing any product, services, goods or offering by any third party through the redemption of your Reward Points or Instrument, or relying on any opinion, statement, or information presented in relation to such product, services, goods or offering shall be at your own risk.

7.2.5.2. You understand and acknowledge that while ABCDL issues the Reward Points to you, the issue of Reward Points shall in no way mean, imply, denote a promise, or commitment for the assured provision of services or products of the respective Rewards Partner, or merchant in relation to whose product the Reward Point may be sought to be redeemed. You further acknowledge that the provision of said services or product(s) shall be subject to the merchant’s or third party’s sole discretion, and that the said merchant or third party shall be solely responsible in providing such product/service.

7.2.5.3. You acknowledge and understand that a Reward Point cannot be purchased in any manner whatsoever and that any Reward Point offered to you is non-negotiable. You further acknowledge and understand that a Reward Point cannot be sold, bartered, or transferred, unless stated otherwise. Any attempted sale, barter or transfer will be void and ABCDL, its Affiliates, and Reward Partners may refuse to honour or recognise any Reward Point which ABCDL, its Affiliates, and Reward Partners, as the case may be, believe may have been transferred, sold, or bartered.

7.2.5.4. You acknowledge and understand that a Reward Point cannot be claimed as a matter of right and that ABCDL reserves the right, at its sole discretion, to not issue any Reward Points to you. You further acknowledge and understand that you shall have no remedies against ABCDL, its Affiliates or Reward Partners for the non-provision or non-redemption of any Reward Points.

7.2.5.5. You acknowledge and understand that the Reward Points do not constitute legal tender, cash, store of value, unit of account or a recognised method of payment.

7.2.5.6. ABCDL reserves the right to terminate duplicate user accounts and any accrued Reward Points thereunder.

7.2.5.7. You acknowledge and understand that you shall remain liable for all costs, taxes, surcharges, fees, carrier charges, claims or liabilities of any nature that may be applicable as a result of accrual or redemption of any Reward Points.

8. PERSONAL AND BUSINESS LOANS:

8.1. You authorize Aditya Birla Capital Digital Limited to access your credit report from credit bureaus and store it to process your loan application.

8.2. You give consent to Aditya Birla Finance Limited and/or other third party Lenders as the lender to collect, store, process and verify your credit report from credit bureaus and KYC details (from CERSAI) for processing your loan application.

8.3. You give consent to Aditya Birla Capital Digital Limited and its lending partners Aditya Birla Finance Limited and/or other third party Lenders to share your contact and other details with the authorised representative of regulated entity to contact You for processing your loan application.

8.4. By opting to proceed with availing any loan product under personal and business loans you shall be deemed to have agreed to the specific terms and conditions in relation to the same which can be found at https://www.adityabirlacapital.com/abcd/terms-conditions/pl-bl

8.5. You agree that at any stage of the loan disbursal journey, including but not limited to upon failure in completing the KYC process or upon inability to create e-NACH mandate, the lender may decline to issue the loan. You are not assured of a loan and the lender has the discretion in refusing a loan to You for any reason whatsoever.

8.6. You acknowledge and consent to the periodic collection of certain SMS data including but not limited to sender names, messages content transaction related details while using the ABCD app This data is processed to analyse spending patterns, income and enhance your credit evaluation, enabling us to offer tailored credit solutions, including higher credit limits and faster approval rates.

9. HOUSING FINANCE LOAN:

9.1. You give consent to our lending partners as the lender to collect, store, process and verify your credit report from credit bureaus and KYC details (from CERSAI) for processing your loan application.

9.2. You give consent to Aditya Birla Capital Digital Limited and its lending partners to share your contact and other details with the authorised representative of regulated entity to contact you for processing your loan application.

9.3. By opting to proceed with availing any loan product under Housing Finance Loan you shall be deemed to have agreed to the specific terms and conditions in relation to the same which can be found at https://www.adityabirlacapital.com/abcd/our-lending-partners/home-loan#Home

9.4. You agree that at any stage of the loan disbursal journey, including but not limited to upon failure in completing the KYC process or upon inability to create e-NACH mandate, the lender may decline to issue the loan. You are not assured of a loan and the lender has the discretion in refusing a loan to You for any reason whatsoever.

10. UNIFIED PAYMENTS INTERFACE, BILL PAYMENTS AND PREPAID PAYMENT INSTRUMENTS

10.1 The Platform provides you Unified Payments Interface and Bill Payments services provided by ABCDL. By opting to proceed with availing any such Unified Payments Interface and Bill Payments services you shall be deemed to have agreed to the specific terms and conditions in relation to the same which can be found
at  https://www.adityabirlacapital.com/abcd/terms-conditions/payments

10.2 The Platform provides you Prepaid Payment Instrument (PPI) Services provided by ABCDL. By opting to proceed with availing any such PPI services you shall be deemed to have agreed to the specific terms and conditions in relation to the same which can be found at:

• PPI T&Cs - English
• PPI T&Cs - Hindi
• PPI T&Cs - Marathi

11. CREDIT CARDS

11.1. The Platform provides you with an option to apply for credit cards provided by Aditya Birla Capital Limited in association with AU Small Finance Bank (“Credit Card Provider”). You are advised to go through the terms and conditions stipulated by the credit card issuers before proceeding to apply for such credit card. By opting to proceed with applying for credit for such credit card you agree to be bound by the terms and conditions governing such credit cards which may be stipulated by such Credit Card Provider.

11.2. You authorize Aditya Birla Capital Digital Limited and Aditya Birla Capital Limited to access your credit report from credit bureaus and store it to process your credit card application.

11.3. You give consent to Aditya Birla Capital Limited as the Credit Card Provider to collect, store, process and verify your credit report from credit bureaus and KYC details (from CERSAI) for processing your credit card application.

12. DEPOSITS

12.1. The Platform provides you with an option to invest in various types of deposits with various organizations, including fixed deposits. ABCDL has partnered with Upswing Financial Technologies Private Limited (“Upswing”) and Blostem Fintech Private limited (“Blostem”) for providing you with an option to purchase fixed deposit products offered by various bank / financial institutions (“Deposits”).

12.2. You hereby note and confirm that all investments in such Deposits will be through the platform of Upswing. You agree to the terms and conditions stipulated by Upswing in this regard and you are advised to go through the same prior to making any such investment.

12.3. You hereby agree and acknowledge that all information in relation to such Deposits provided on the Platform is a representation of the information and data provided by Upswing, and ABCDL has not done any independent verification of the same. Accordingly, ABCDL shall have no liability, and does not make any representation, in relation to the accuracy, correctness and completeness of the said information.

12.4. Any investment decision which you make in relation to the same shall be solely at your own risk and ABCDL shall not have any liability for any losses, loss of profit (direct or indirect) or any other form of costs which you may incur in relation to, or arising from, such investments. Accordingly, you are advised to do your own independent analysis prior to making any such investment in Deposits provided on the Platform.

13. CREDIT INFORMATION

13.1. APPOINTMENT OF COMPANY AS AUTHORISED REPRESENTATIVE

You hereby acknowledge and agree that by clicking on the check box and by providing your details on the Platform, you have requested to avail the Credit Information Services. You have also provided your consent to appoint ABCDL as your authorised representative on an ongoing basis to receive your Credit Information, Credit Information Report and Credit Score (i) for a period of 6 (six) months; or (ii) till such time the Credit Information, Credit Information Report and/or Credit Score is required to be retained to satisfy the Purpose for which it was intended; or (iii) until the revocation of consent, whichever is earlier (“Permitted Time Period”).

13.2. SCOPE OF CREDIT INFORMATION SERVICES

13.2.1. Credit Information Services: You hereby acknowledge and agree that ABCDL shall access, use, analyse, aggregate and retain your Credit Information, Credit Information Report and Credit Score for the following purposes (“Purpose”): provide you access to your Credit Information, Credit Information Report, and Credit Score (including any changes therein) on the Platform; provide you with such products and/or services that you may be interested in and/or choose to avail on or through the Platform; provide you with personalised offers, and assist you in obtaining credit facilities and other financial products from our partner lenders, such as loans or credit cards; monitor your Credit Information, Credit Score and Credit Information Report on a real-time basis, in partnership with CICs, to update you via SMS, email, WhatsApp messages, push notifications, or other communication channels, when your Credit Information, Credit Score and Credit Information Report undergo any changes or updates as communicated by CICs (“Alerts”). In this regard, you agree to receive the Alerts from ABCDL or through its Third Party Service providers and to receive Alerts on the Platform, your mobile number or email address registered with us; and take such other actions as may be required in relation to undertaking the activities mentioned under this Clause.

13.2.2. You hereby authorise us to share, disclose or transfer your Credit Information, Credit Information Report and Credit Score with any Third Party Service providers, in order for us to fulfil the Purpose, as may be required.

13.2.3. Third-Party Services:

In order to provide the Credit Information Services to you, we partner with various Third-Party Service providers, including the CICs. You understand and acknowledge that ABCDL shall not be responsible for any inability to render the Credit Information Services due to any actions or inactions of such Third Party Service providers.

13.3. FEE

You acknowledge and agree that the Credit Information Services provided are free of cost. However, you understand that we reserve the right to levy fees in the future for a User to be able to access the Credit Information Services. In such an event, we shall provide the User with a prior reasonable notice and the User shall have the option to discontinue the access to the Credit Information Services if the User does not wish to continue availing our Credit Information Services.

13.4. CONSENT TO USE DATA

13.4.1. All data that we collect in order to provide you the Credit Information Services shall be governed in accordance with our Privacy Policy.

13.4.2. Credit Information: You hereby acknowledge and agree that ABCDL shall use the Credit Information, Credit Information Report and/or Credit Score for the limited Purpose; and access and retain your Credit Information, Credit Information Report and/or Credit Score until the Permitted Time Period. Upon the completion of the Permitted Time Period, ABCDL shall promptly destroy, purge, and erase the Credit Information, Credit Information Report and/or Credit Score.

13.5. COMPANY’S RIGHTS

13.5.1. ABCDL reserves the right to verify the details/information provided by you. In the event such information is false, ABCDL reserves the right to take action against you including but not limited to suspension of your access to the Credit Information Services. Additionally, ABCDL reserves the right to suspend your access to the Credit Information Services for any breach of the terms contained herein.

13.5.2. You agree that upon deletion of your account, we reserve the right to retain such data of yours to the extent permitted under the Applicable Law.

13.6. DISCLAIMERS

13.6.1. You have registered on the Platform, have chosen to avail the Credit Information Services voluntarily at your free will and for your own benefit, and ABCDL has not made any promises or representations to you in order to induce you to grant your consent or authorisation under these Terms, including but not limited to, consent for sharing your personally identifiable information with the CICs. Accordingly, ABCDL shall not be liable for any loss or damage resulting from you availing the Credit Information Services on the Platform, or, otherwise from the use of the Platform, or, from the use of the Credit Information, Credit Information Report and/or Credit Score provided to you.

13.6.2. You agree and acknowledge that the sharing of your Credit Information, Credit Information Report and/or the Credit Score by the CICs with ABCDL in relation to the Credit Information Services being availed by you on the Platform is only upon your request and consent, and does not imply any affiliation, endorsement, approval, investigation or verification by ABCDL of any content or information, including but not limited to the Credit Information, contained within or provided by the CICs on the Platform.

13.6.3. You agree that it shall be your sole responsibility to ensure the correctness of any communication, information, instruction, or any other inputs which is required to avail the Credit Information Services. You understand and agree that we do not accept any responsibility or liability for any loss or damage if any information, documentation, material, or data provided to avail the Credit Information Services is incorrect, incomplete, inaccurate, or misleading, or if you fail to disclose any material fact.

13.6.4. You acknowledge and understand that ABCDL shall not be responsible for any errors, inaccuracies, or omissions in relation to the Credit Information, Credit Information Report and/or the Credit Score. The Credit Information Services are for informational purposes only and are intended to provide helpful and informative material on the subjects addressed to you. ABCDL does not control your Credit information, Credit Information Report and Credit Score, which is a statistical analysis of information contained in your credit file as maintained in the system and database of CICs and we cannot change that information for you. However, if the information in your Credit Information Report is inaccurate and is affecting your Credit Score, you have the right to dispute it directly with the CICs through their website. Please refer to these Terms for more details.

13.6.5. The Credit Information, Credit Information Report and/or Credit Score as well as the Credit Information Services and other products, information, materials, and services provided by ABCDL are provided “as is”. ABCDL specifically disclaims all express and implied warranties, including without limitation, warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and all warranties arising from the course of dealing, usage, or trade practice in respect to the same. Without limiting the foregoing, ABCDL makes no warranty of any kind that the Credit Information Services or any products or results of the use thereof, will meet your or other persons’ requirements, operate without interruption, achieve any intended result, be compatible or work with any software, systems, or other services, be secure, accurate, complete, or free of harmful code or errors.

13.6.6. You understand that we shall in no manner be held liable for any unauthorised use of the Credit Information Services through your account on the Platform due to unauthorised access including but not limited to hacking and security breaches.

13.6.7. You understand and agree that in no event shall we, our Affiliates, our officers, shareholders, subsidiaries, associate companies, directors, employees and agents, partners, co-branders, licensors, licensees, consultants, or contractors be liable to you or any third party for any special, incidental, indirect, consequential or punitive damages or losses whatsoever, or damages for loss of data or profits, goodwill, and/ or other intangible loss, whether or not foreseeable and regardless of whether we have been advised of the possibility of such damages, or based on any theory of liability, including breach of contract or warranty, negligence or other tortious action, or any other claim arising out of or in connection with your use of, or access to, the Platform.

13.7. LIMITATIONS AND RESTRICTIONS ON THE USE OF THE SERVICE

13.7.1. You agree to use the Credit Information Services for your personal consumption only, except as specifically provided by ABCDL.

13.7.2. You acknowledge that there may be a failure to process a request by ABCDL or by the CICs in the event the particulars, details and/or the documents furnished by you do not match the information that exists with the CICs, for any reason whatsoever, including but not limited to, non-acceptance of data by the data collection system maintained by the CICs or upload of incomplete data provided by you in relation to the Credit Information Services. ABCDL shall inform you of such failures.

13.7.3. You acknowledge that any analysis and estimates provided by ABCDL as part of the Credit Information Services are for illustrative and informational purposes only.

13.7.4. You agree and acknowledge that the methodology which ABCDL uses to determine which offers, analysis, or other information is presented or highlighted is proprietary and ABCDL may elect to consider, ignore, emphasize, or de-emphasize certain factors in its sole and absolute discretion.

13.7.5. You further agree and acknowledge, to the extent permissible by law, all information given by ABCDL to you shall be proprietary information of ABCDL.

13.8. INDEMNITY

You shall indemnify, defend at ABCDL’s option, and hold ABCDL, its affiliates, and their officers, associates, successors, assigns, licensors, employees, directors, agents, and representatives, harmless from and against any direct or indirect losses, actions, damages, penalties, cost and expenses, claim, demand, lawsuits, judicial proceeding, (including, without limitation, from all damages, liabilities, settlements, costs and attorneys’ fees) arising from or relating to: acts, commissions or omissions, errors, misrepresentations, misconduct, negligence, fraud, forgery, dishonesty, violation attributable to you, any third party who may use your Account, your access to the Platform, or your use of the Credit Information Services; contravention of Applicable Law; or any claim from any Authority or any third party as a result of any action or inaction on your part, including but not limited to, breach of these Credit Score Terms or any acts committed beyond the scope of these Credit Score Terms.

13.9. LIMITATION OF LIABILITY

Notwithstanding anything to the contrary contained herein, neither ABCDL nor any of its affiliates or related parties shall have any liability to you or any third party for any direct, indirect, incidental, special, or consequential damages or any loss of revenue or profits arising under, directly, or indirectly, or relating, in any manner whatsoever, to these Credit Score Terms, including any action taken by any Authority.

13.10. GRIEVANCE REDRESSAL

If you have any questions, complaints, or claims with respect to the Credit Information, Credit Information Report and/or Credit Score, you may contact the relevant CIC:. If the relevant CIC is Equifax: at ecissupport@equifax.com If you have any questions or complaints with regard to the Credit Information Services being offered, you may directly contact us at care.digital@adityabirlacapital.com

13.11. CONTACT DETAILS

If you have any other queries or feedback with respect to Credit Information Services, you may contact us at care.digital@adityabirlacapital.com.

14. HEALTH INSURANCE

The Platform provides you with the options to avail various Health Insurance products provided by Aditya Birla Health Insurance Limited. You acknowledge and understand that your use of the Platform to avail any such Health Insurance product shall also be governed by specific terms and conditions in relation to the same which can be found at https://www.adityabirlacapital.com/abcd/terms-conditions/health-insurance. You acknowledge that ABCD is a registered corporate agent with the Insurance Regulatory and Development Authority of India having registration no. CA0871.

15. DIGITAL MULTI-METAL / GOLD ACCUMULATION PLAN

The Platform provides you with the options to avail Digital Multi Metal products provided by MMTC - PAMP. By opting to proceed with availing any such Digital Multi Metal product you shall be deemed to have agreed to the specific terms and conditions in relation to the same which can be found at https://www.mmtcpamp.com/gap-customer-terms-and-conditions.

16. MUTUAL FUNDS

16.1. ABCDL, in its capacity as a mutual fund distributor with ARN – 270149, enables you to undertake Mutual Fund Transactions through the Platform with the Asset Management Companies that ABCDL has partnered with (“Mutual Fund Services”). Currently, ABCDL has partnered with the following Mutual Funds:

i. Aditya Birla Sun Life AMC Limited / Aditya Birla Sun Life Mutual Fund.
ii. DSP Asset Managers Private Limited / DSP Mutual Fund.
iii. Groww Asset Management Limited / Groww Mutual Fund.
iv. Mirae Asset Investment Managers (India) Private Limited / Mirae Asset Mutual Fund.
v. Motilal Oswal
vi. UTI
vii. ICICI Prudential
viii. SAMCo
ix. Bandhan

16.2. You hereby agree to and accept the terms and conditions of the relevant mutual fund asset management company(ies) at the links provided below:

i. Aditya Birla Sun Life AMC Limited / Aditya Birla Sun Life Mutual Fund at https://mutualfund.adityabirlacapital.com/terms-and-conditions
ii. DSP Asset Managers Private Limited / DSP Mutual Fund at https://www.dspim.com/invest/online/terms
iii. Groww at https://groww.com/terms-and-conditions
iv. Mirae Asset Investment Managers (India) Private Limited / Mirae Asset Mutual Fund at https://www.miraeassetfin.com/terms-of-use.
v. Motilal Oswal at https://www.motilaloswalmf.com/disclaimer
vi. UTI at https://www.utimf.com/terms-and-conditions
vii. ICICI Prudential at https://arch.icicipruamc.com/invonline/app/aspx/frmTermsAndConditions.aspx
viii. Bandhan AMC at https://cmsnew.bandhanmutual.com/terms-of-use/
ix. Samco https://www.samcomf.com/terms-and-conditions

16.3. You hereby agree and confirm that mutual fund investments are subject to market risks, and that you shall read all scheme related documents carefully before investing.

16.4. You understand that ABCDL provides the Mutual Fund Services only in respect of limited Mutual Fund schemes that are managed by the AMCs which ABCDL has partnered with. You may see the list of Mutual Funds in relation to which ABCDL provides Mutual Fund Services on the Platform. You understand and acknowledge that you may also consider other alternate products, which are not being offered by ABCDL on its Platform before making an investment decision.

16.5. You acknowledge and agree that Mutual Fund Services do 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. You further declare that you are not a resident of the United States of America or Canada.

16.6. Investment Account

You understand that an Investment Account is mandatory to initiate any transaction in relation to Mutual Fund Services.

16.7. Mutual Fund Transactions

a. You understand that the Mutual Fund Transactions undertaken by you will be tagged against ABCDL’s ARN number 270149 and will not be treated as an investment into a direct plan but will be considered as an investment in a regular plan which involves payment of commission to ABCDL. In accordance with Applicable Law, the details of Mutual Fund scheme wise commission earned by ABCDL from various AMCs is available at https://www.adityabirlacapital.com/abc-digital/terms-conditions/mutual-funds

b. You understand that the execution of Mutual Fund Transactions is subject to the Offer Documents and terms and conditions of the AMCs and you confirm that you have read all Offer Documents carefully and agreed to abide by all terms, conditions, rules and regulations of the Mutual Fund scheme applicable from time to time. We implore you to seek independent legal, financial and tax related advice before undertaking any Mutual Fund Transactions.

c. You declare that you have not received or been induced by any rebate or gifts, directly or indirectly, in making any Mutual Fund investments.

d. You declare that in the event you are a non-resident Indian or a person of Indian origin, the funds invested by you have been remitted from abroad through approved banking channels or from your Non-Resident External account, Non-Resident Ordinary account or Foreign Currency Non-Resident account, and in accordance with all Applicable Laws (including tax laws).

e. You declare that the amounts invested by you in any Mutual Funds are derived from legitimate sources and not held or designed for the purposes of contravention of any law or any notifications or directions issued by any Authority from time to time.

f. You understand that the units of a Mutual Fund scheme shall be allotted, redeemed or switched, as the case may be, by the respective Mutual Funds at the NAV of the concerned Mutual Fund scheme and as prescribed under the Offer Documents. You acknowledge and agree that ABCDL shall not be liable for any loss that may be suffered by you in this regard.

g. You understand that any Transaction request placed on a holiday, on a day where the AMC is not functioning, or after the Cut-off Time mentioned on the Platform, shall be processed on the next working day and the respective NAV will be applicable as per the Offer Documents.

h. Subject to Applicable Laws, the Cut-off Time for the Platform may be prior to the statutory Cut-off Time specified under the Applicable Laws and the Offer Documents for operational convenience.

i. You understand that you cannot cancel a Transaction after it has been placed on the Platform.

j. You understand that paragraphs 16.7 sub clauses (c), (d), (e) and (f) are subject to the terms and conditions of the Third Party Service provider and the Registrar and Transfer Agent (“RTA”).

k. You understand that there may be an interim time lag in processing, transferring or crediting the money from the Third Party Service provider to the respective Mutual Fund/AMC account.

l. You understand that the purchase Mutual Fund Transactions on the Platform shall be allotted an online folio number and you will be able to access the Transaction account statement in an electronic format directly from the respective AMC and from the Platform.

m. You understand that there may be a time lag between the completion of a Transaction and the time taken by ABCDL to reflect the same on its Platform.

n. SIPs:

i. You understand that you may begin an online SIP facility, for investing a fixed amount of money at a fixed frequency of time in Mutual Funds based on your convenience and choice.

ii. SIPs shall be set up through e-NACH mandates and UPI.

o. You understand that any Mutual Fund Transactions may be rejected at the discretion of the respective AMC/Mutual Fund.

16.8. Redemption

a. All redemptions shall be subject to the provisions mentioned in the respective Offer Documents and any amendments thereto issued from time to time.
b. You understand that the proceeds from redemption and declaration of dividend will be credited directly by the AMC/Mutual Fund into your bank account provided at the time of registration with ABCDL or specified by you from time to time.

16.9. Authorisation

You hereby irrevocably and unconditionally grant your no objection to ABCDL:

i. to collate the Mutual Fund Transaction details and transmit such Mutual Fund Transaction data to the AMC or RTA for further processing of your Mutual Fund Transactions; and
ii. to contact you on matters connected to executing your Mutual Fund Transactions investment instructions in relation to:
a. communication with AMCs on your behalf for financial or non-financial transactions executed under these Terms or in relation to any other as may be required by ABCDL or the AMCs; and

b. transmitting to the Mutual Fund/AMC, all information, including information relating to your nomination, changes in investment plan any other changes made through the Platform.

16.10. You agree and undertake that you are accessing the Platform and transacting at your own risk and that you are using your best and prudent judgment before availing the Mutual Fund Services.

16.11. You agree and undertake that you will comply with all Applicable Laws while availing Mutual Fund Services.

16.12. You agree to maintain sufficient balance in your bank account, at all times to cover your purchase Mutual Fund Transactions on the Platform. You agree to check your daily fund transfer limits with your bank before purchasing units of a Mutual Fund scheme or making an SIP request. In the absence of sufficient funds, you understand that neither ABCDL nor the partner AMC will be responsible for the rejection of your instructions to purchase Mutual Fund units.

16.13. You expressly confirm and declare that you have not been offered or communicated any indicative portfolio or any indicative yield.

16.14. Disclaimers and Disclosures

a. You understand that the AMC in its sole discretion may reject any Transaction of Mutual Fund scheme.

b. You accept full responsibility for any consequence that may arise from your use of the Mutual Fund Services and expressly agree and acknowledge that ABCDL shall have no liability with respect to the same.

c. You are aware and you acknowledge that in the event of the termination of the arrangement between ABCDL and a partner AMC, you will not be able to execute any Transaction of such AMC’s Mutual Fund schemes through the Platform. You understand that on the date of such termination, ABCDL will share the required details to enable you to interact directly with such AMCs.

d. You understand and acknowledge that ABCDL may enter into arrangements with third parties, including Value Research India Private Limited, to provide you with information, analytics or ratings, regarding Mutual Fund schemes
available through the Platform. You understand agree and confirm that ABCDL does not independently verify any such information and confirm that you are solely responsible for any and all decisions made on the basis of such information and that ABCDL is not liable for any loss arising out of such decision(s).

e. ABCDL does not provide any financial or investment advice in connection with the Services offered on the Platform. ABCDL may provide information on the price, volatility, performance of mutual funds and events that have affected the price of mutual fund, however such information should not be considered as investment or other financial advice and should not be construed as such. You confirm that any decision to purchase or redeem mutual funds on the Platform is solely your decision and ABCDL will not be liable for any loss suffered whatsoever.

f. You understand that ABCDL may provide insights in relation to the Mutual Fund schemes suitable to you based on your risk profile and you acknowledge that ABCDL will not be held liable for any losses suffered by you in this regard.

g. You understand that your investment in a Mutual Fund scheme is subject to market risks, including possible loss of the principal amount invested, and that the past results of a Mutual Fund scheme are not a guarantee to its future performance.

h. You understand that performance and returns of any Mutual Fund scheme can neither be predicted nor guaranteed.

i. You understand that purchase requests made through the Platform shall be processed by the respective partner Mutual Fund/AMC only after funds sufficient to cover the purchase price and other costs and charges have been received by the respective partner Mutual Fund/AMC.

j. You understand that you may incur loss due to delays caused by Third Party Service providers including but not limited to banks, RTAs, Mutual Funds, AMCs and/or due to any technical issues faced by you on the Platform. You confirm that you shall not hold ABCDL liable in any manner for such delay.

k. You hereby acknowledge and agree that ABCDL acts as a mutual fund distributor for mutual funds provided by Aditya Birla Sun Life AMC, which is a group company of ABCDL.

17. AI CHATBOT

17.1. In relation to the AI Chatbot, you hereby specifically agree and understand that:

17.1.1. The content or information generated by the AI Chatbot is based on the inputs provided by the user and the information the AI Chatbot has been programmed with is based on information made available to the AI Chatbot, including publicly available information and information provided by you on the Platform or otherwise. The AI Chatbot may not provide information that is accurate, complete, or up to date. ABCDL does not guarantee the accuracy, completeness, or reliability of any information or content generated by the AI Chatbot.

17.1.2. The AI Chatbot is intended to assist users, but is not a substitute for professional, legal, or financial advice. Users are advised to seek professional advice regarding their preferences and situation.

17.1.3. Users are responsible for their interaction with the AI Chatbot for legitimate purposes only. You shall ensure that your use of the AI Chatbot is compliant with Applicable Laws.

17.1.4. ABCDL or any person connected with ABCDL shall not be liable for any direct, indirect, incidental, consequential, punitive, special, or exemplary damages resulting from your usage of the AI Chatbot.

18. DEMAT ACCOUNT

18.1. You hereby provide your explicit consent for sharing your trading and demat account-related data with Aditya Birla Capital Digital Limited for the purpose of financial analysis, collation and tracking of financial data in accordance with our Privacy Policy.

18.2. The information shared may include, but is not limited to, transaction history, account balances, demat account holdings and any other relevant data associated with your trading and demat accounts held with Aditya Birla Money Limited.

18.3. This consent is effective from the day you create your profile on the Platform and will remain valid until revoked by you in writing.

18.4. You have the right to revoke this consent at any time by providing written notice to both Aditya Birla Capital Digital Limited and Aditya Birla Money Limited to the following: Email Address: care.digital@adityabirlacapital.com

18.5. By providing consent you confirm that you have read and understood the terms of this consent and voluntarily authorize the sharing of your trading and demat account-related data with Aditya Birla Capital Digital Limited.

19. DIGITAL HEALTH EVALUATION

19.1. In relation to the Digital Health Evaluation, you hereby specifically agree and understand that:

a. any report generated upon your use of the Digital Health Evaluation ("DHE Report"):

i. is provided on an as-is basis using pre-determined parameters; and
ii. is purely an outcome of algorithms and software tools owned by or licensed to ABCDL.

b. ABCDL does not take any responsibility with respect to the correctness or accuracy of the DHE Report and makes no representation or warranty that the DHE Report will be accurate, complete, error-free, meet your or any other persons' requirements or achieve any intended result.

c. the Digital Health Evaluation and the DHE Report is purely indicative in nature and does not, in any manner(i) diagnose, prevent, monitor, treat, alleviate, assist, or reflect the state of your mental or physical well-being, including any disease, disorder, injury or disability; or (ii) investigate, replace, modify, or support anatomy or a physiological process. The Digital Health Evaluation and the DHE Report is provided to you for informational and educational purposes. We request you to not rely on the Digital Health Evaluation and/or the DHE Report and seek appropriate medical and health care services from a registered medical practitioner, in order to obtain an accurate assessment of your health and well-being.

d. the DHE Report does not constitute any recommendation, suggestion, advisory or opinion by ABCDL and/or its Affiliates, partners, directors, agents, representatives, employees and/or sub-contractors, in relation to your mental or physical well-being. You further understand that the Digital Health Evaluation does not constitute the provision of healthcare services by ABCDL in any manner. Any queries in relation to diagnosis, treatment and prevention of any health-related concerns ought to be directed to a registered medical practitioner, and ABCDL is not qualified and liable to provide any services in this regard.

e. the Digital Health Evaluation or the DHE Report generated therein does not constitute pre-insurance medical examination, pre-policy check-up, pre-insurance medical test, or such other similar tests, by whatever name called, conducted by or at the request of an insurer in connection with its underwriting policies, and ABCDL does not warrant or undertake, in any manner, that it is authorised to conduct such tests.

20. Health Saver Card 

The Platform provides users with the option of availing aThe Health Saver Card, which is a wellness product offering access to value-added healthcare and wellness benefits, including teleconsultations, in-clinic consultations, discounts, and related services, provided by tThird -pParty sService providers. The Health Saver Card is provided to the Users on the Platform through Aditya Birla Wellness Limited, and ABCDL through the Platform merely allows the Users to access the said product being provided by Aditya Birla Wellness Limited. The Health Saver Card is not an insurance product and does not replace or substitute any medical or insurance coverage. All services and benefits are subject to the respective service providers’ terms and conditions provided in relation to the same. Any information, recommendations, or services provided are for wellness and preventive purposes only and shall not be construed as any form of medical advice. ABCD and its affiliates disclaim all liability arising from the availability, accuracy, or quality of any third-party services accessed through the Health Saver Card.

The Platform allows you to make a Digital Will, which is a digital facilitation tool enabling users to record their testamentary intentions in electronic form. The Platform does not draft, execute, attest, register, or validate any will, nor does it provide any legal advice in any manner. The Platform merely acts as a facilitator connecting the User with the relevant third-party partner, being Yellow [_], which provides users with the option of making such a Digital Will. Users acknowledge that the creation, execution, validity, and enforceability of a will are governed by applicable laws, including the relevant succession laws in force in India, and remain the sole responsibility of the User. ABCD disclaims all liability arising from the legal validity, interpretation, or enforceability of any such Digital Will created or stored on the Platform. The User is also advised that a will, digital or physical, is a legal document in accordance with the extant laws of India, and it is advisable to take independent legal advice before proceeding to make a Digital Will.