Terms and Conditions
ACCEPTANCE OF THESE TERMS BY THE MEMBER:

This Financial Advisory Agreement is between MEMBER ("you" or "your" or "Member") AND Futurewise Financial Planners Private Limited (Futurewise), a company incorporated under the Companies Act 1956 with its registered office at 110, Autumn Groove, Opp. Lokhandwala Foundation School, Lokhandwala Township, Kandivali East, Mumbai 400 101 ("Futurewise","Company", "we," or "our") that governs your use of the personal finance advisory services ("Service") offered by Futurewise in person, through telephone,website www.futurewise.co.in or any other medium using which Futurewise may provide the personal finance advisory services from time to time. When you access our advisory services you agree to be bound by these Terms and Conditions ("Terms".)

(Futurewise and Member are hereinafter collectively referred to as "Parties" and individually as "Party".)

REGISTRATION:

As a pre-condition to using the Service, you will be required to register with Futurewise with a valid email address ("Username") and a password. You shall provide Futurewise with accurate and updated registration information. Failure to do so shall constitute a breach of the Terms and Conditions, which may result in immediate termination of your account. You shall not (i) select or use as a Username an email of another person with the intent to impersonate that person; (ii) use as a Username an email that is offensive, vulgar or obscene. Futurewise reserves the right to refuse your registration at its sole discretion. You are solely responsible for any activity that occurs on your account and you shall also be responsible for making sure your password remains confidential. You shall never use another user's account without such other user granting express permission to do so. You will immediately notify Futurewise in writing of any unauthorized use of your account, or any other account related security breach you are aware of.

By providing us with your email address and contact number, you agree to receive all required communication electronically, to your registered email address. It is your responsibility to update or change your email address, as deemed appropriate.

YOUR USE OF THE SERVICE:

Your right to access Futurewise Service is personal to you and is not transferable to any other person or entity. You are entitled to access and use Futurewise Service for lawful purposes only.

Futurewise reserves the right to inspect and terminate your membership if you are found to have misused the Service that is proved to be illegal. You will not use any robot, site search application whether manual or automatic to retrieve or reproduce the contents of the website. You will not distribute or reproduce any content, trademarks, or other proprietary information without obtaining the prior consent of Futurewise.

You agree to provide accurate, current and complete information about your personal finances. Failure to do so will affect the accuracy and effectiveness of the Service.

Your access and use of Futurewise Service may be interrupted from time to time for reasons, including, but not limited to, periodic updates, maintenance of servers or other actions that Futurewisemay elect to take.

DESCRIPTION OF SERVICES:

Futurewise is a personal finance advisory platform that will capture and analyse data concerning the Member's goals, cash flow and debts, investments, insurance, loans and time horizon.

This information is gathered through data gathering process designed to elicit the Member's current financial status, family obligations and future goals.

Based on the data provided, Futurewise will identify your current financial situation and prepare a list of recommendations around your current portfolio, loan management, life and general insurance, basic personal income tax and investment planning. Each strategy will be recommended in the context of other strategies to achieve the optimum overall results.

FEES:

Futurewise reserves the right to change its pricing structure and to introduce new Fees at any time, upon prior notice to you, which may be sent byemail or posted on the website. Should you elect to continue using the Services, you shall pay all applicable fees, as outlined on the website.

ALERTS:

Futurewise may from time to time provide automatic alerts to the member's registered e-mail address. You are responsible for informing us in case of changes to your e-mail address. From time to time Futurewise may add new alerts, or discontinue providing certain alerts at any time upon its sole discretion. Since alerts are not encrypted, we will never include your passwords therein. However, alerts may include your Username and some information about your accounts.

Futurewise does its best to provide alerts in a timely & accurate manner. However, Futurewiseneither guarantees the delivery nor the accuracy of these alerts. You shall not hold Futurewise liable for any delays in delivery or failure to deliver any alert; for any discrepancies in the content of the alert; or for any actions taken or inactions by you or any third party in reliance on an alert.

DISCLAIMER:

The Services offered by Futurewise cannot be construed as synonymous to that offered by a Chartered Accountant, Legal Advisor or a Certified Financial Planner. The Service is purely meant to assist you in making better & informed financial decisions. In addition to Futurewise, you may use other tools to help you arrive at making financial decisions. You agree that you are responsible for your own research and financial decisions. You agree that Futurewise will not be liable for any decision made or action taken by you based on information or materials obtained through use of the Service.

CONFIDENTIALITY:

By use of the Service, you expressly authorize Futurewise to access your data to provide you recommendations. We agree to keep confidential all information received from you pertaining to your financial affairs except as otherwise required by law. Futurewise as part of its services, may consult with lawyers or other professionals regarding the Member's financial affairs. You agree to the disclosure of any information which Futurewise deems appropriate for carrying out the objectives of the Financial Advisory Agreement.

CONFIDENTIALITY:

Usage of the Service may entail the Member getting generic recommendations as to types of investment or insurance products that may be appropriate for the Member to purchase given his/her financial situation and objectives. The Member is under no obligation to purchase such products through Futurewise. However, if the Member desires to purchase products or avail of planning services in order to implement the advice, Futurewise may make a variety of products and other services available.

Member recognizes that Futurewise's recommendations if executed or placed could result in compensation to Futurewise or its affiliates. Member is under no obligation to purchase or to sell products through Futurewise or its affiliates.

CANCELLATIONS:

You can cancel this agreement by providing us a written request. You will be required to send us an e-mail with subject line "Cancel Subscription" through your registered e-mail address at contact@futurewise.co.in.

ASSIGNABILITY:

This agreement is not assignable by either party without the written consent of the other party.

LINKS:

Futurewise may provide links to external websites or resources. Because Futurewise has no control over such websites or resources, you acknowledge and agree that Futurewise will not be responsible for the availability of such external websites or resources, and is not responsible or liable for any content, advertising, products or other materials on such websites or resources. You further acknowledge that Futurewise shall not be responsible or liable, whether directly or indirectly, for any loss caused or alleged to be caused by or in connection with the use of any such content, advertising, products or other materials on or through any such website or resource.

GOVERNING LAW AND JURISDICTION:

This User Agreement shall be construed in accordance with the applicable laws of India. The Courts at Mumbai shall have exclusive jurisdiction in any proceedings arising out of this agreement.

LIMITATION OF LIABILITY:

Member understands that risks are inherent in any investment and that some investment decisions will result in profits and others in losses. Member expressly understands and agrees that Futurewise shall not be held liable in any way relating to the performance of any investment vehicle utilized by Member or the outcome of any decision made in connection with the implementation of any of the recommendations made by Futurewise. Member further understands that there is no guarantee that Member's investment objectives will be achieved. Futurewise cannot assure a net profit, but only can give its best judgment to help achieve Member's investment goals.

FORCE MAJEURE:

In no event shall we have liability or be deemed to be in breach hereof for any failure ordelay of performance resulting from any governmental action, fire, flood, insurrection, earthquake, power failure, network failure, riot, explosion, embargo, strikes (whether legal or illegal), terrorist act, transportation interruption of any kind or work slowdown or any other condition not reasonably within our control.

TERMINATION:

Futurewise may terminate this Agreement and these terms and conditions and/or the provision of any of the services at any time, including any improper use of the services by you or your failure to comply with these terms and conditions. Upon termination of this Agreement and these terms and conditions, all rights granted to you will terminate and revert to Futurewise.

SEVERABILITY:

If for any reason a court of competent jurisdiction finds any provision or portion of the Terms to be unenforceable, the remainder of the Terms will continue in full force and effect.

INDEMNIFICATION:

You agree to defend, indemnify, and hold harmless Futurewise, its affiliates, subsidiaries, officers, agents and other partners and employees, from all liabilities, claims, and expenses, including reasonable attorney's fees, made by any third party due to or arising out of your use or misuse of, or access to, the Website, Service, Content, or otherwise,or your violation of the Terms of Use, or violation of this Agreement and/or arising out of a breach of this Agreement by you or any third party using your account.

MODIFICATIONS:

Futurewise reserves the right to change or modify any of the terms and conditions contained in this Agreement or any policy governing the Service, at any time, including, but not limited to, Fees, Services, technologies used to provide services, or your terms of Service by posting the new agreement at http://www.futurewise.co.in/termsandconditions.jsp or such URL as Futurewise may provide. If Futurewise makes a material change to the Services, Futurewise will inform the Member. Any changes or modifications to this Agreement will become binding (i) by Member's online acceptance of updated terms, or (ii) after Member's continued use of the Service after such terms have been updated by Futurewise.

ENTIRE AGREEMENT:

These Terms constitutes the entire agreement between you and us with respect to the subject matter of these Terms and supersedes all prior written and all prior or contemporaneous oral communications regarding such subject matter. Accordingly, you shall not rely on any representations or warranties that are not expressly set forth in these Terms. If any provision or provisions of these Terms shall be held to be invalid, illegal, unenforceable or in conflict with the law of any jurisdiction, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired.

INTELLECTUAL PROPERTY RIGHTS:

Unless otherwise indicated Futurewise owns all Intellectual Property Rights to and into the trademark "Futurewise", and the Website, including, without limitation, any and all rights, title and interest in and to know-how, trade secrets, source code, databases, content etc. You acknowledge and agree that you shall not use, reproduce or distribute any content belonging to Futurewise without obtaining authorization from Futurewise.

Question ? Call us at +91 22 2965 2244 or mail contact@futurewise.co.in

Futurewise's advisory team consists of Certified Financial Planners certified by FPSB

Futurewise is an AMFI registered investment advisor under ARN code 83865