1. Introduction

Welcome to 1Fi Technology (“1Fi,” “we,” “our,” or “us”). These Terms and Conditions (the “Terms”) govern your access to and use of our
website located at www.1fi.in (the “Site”) and the financial products and services we offer, including Mutual Fund investments and Loans against Mutual Funds (collectively, the “Services”). By accessing or using our Site or Services, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use our Site or Services.

2. Definitions

• “Mutual Funds”: Investment vehicles that pool money from many investors to purchase securities.
• “Loan Against Mutual Funds”: A loan provided by us using your mutual fund holdings as collateral.
• “User”: Any individual or entity accessing or using our Site or Services.

3. Eligibility

To use our Site and Services, you must:

• Be at least 18 years old.
• Be a resident of India
• Have the legal capacity to enter into binding contracts.

By using our Site or Services, you represent and warrant that you meet these eligibility requirements.

4. Services Provided

• 4.1 Mutual Fund Investments
  We provide a platform to invest in a range of mutual funds. Through our platform, you can:
• Browse and select mutual funds based on your investment goals and risk tolerance.
• Execute buy and sell transactions.
• Monitor the performance of your investments.
• 4.2 Loan Against Mutual Funds
  We offer loans against the value of your mutual fund holdings. Our services include:
• Assessing the value of your mutual fund portfolio.
• Providing loan amounts based on the assessed value.
• Determining interest rates and repayment terms as per the loan agreement.

5. Account Registration and Security

• 5.1 Account Creation
  To access certain features of our Services, you must create an account.
  During registration, you agree to:
• Provide accurate, complete, and current information.
• Update your information as necessary to keep it accurate and complete.
• 5.2 Account Security
  You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:
• Notify us immediately of any unauthorized use of your account.
• Cooperate with us in any investigation related to unauthorized use.

6. Transactions

• 6.1 Processing Transactions related to mutual fund investments and loans are subject to processing by third-party financial institutions. We are not responsible for any delays, errors, or omissions in transaction processing.
• 6.2 Fees and Charges
  Our Services may involve fees, which will be disclosed to you before you complete any transaction. Fees may include:
• Transaction Fees: Fees for buying or selling mutual fund units.
• Management Fees: Ongoing fees for managing investments.
• Loan Processing Fees: Fees for processing loan applications. We reserve the right to change these fees with prior notice to you.

7. Risk Disclosure

• 7.1 Mutual Fund Investments
  Investing in mutual funds involves risk, including the risk of loss of principal. Factors influencing these risks include market conditions, fund management decisions, and economic factors. Past performance is not indicative of future results. You should consider your investment objectives, risk tolerance, and consult a financial advisor if needed.
• 7.2 Loans Against Mutual Funds
  Loans against mutual funds carry risks related to the value of the collateral. If the value of your mutual fund holdings decreases, it may impact the terms of the loan or require additional collateral. Failure to meet repayment obligations may result in liquidation of your mutual fund holdings.

8. Privacy Policy

Our Privacy Policy governs the collection, use, and protection of your personal information. By using our Site and Services, you consent to the practices described in our Privacy Policy.

9. Intellectual Property

• 9.1 Ownership
  All content on the Site, including but not limited to text, graphics, logos, and software, is the property of 1Fi or its licensors and is protected by intellectual property laws. Unauthorized use or reproduction of any content is prohibited.
• 9.2 License
  We grant you a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. This license does
  not include any rights to: 
• Modify or create derivative works from the content.
• Reproduce, distribute, or publicly display the content.

10. Disclaimers

• 10.1 General Disclaimer
  Our Site and Services are provided on an “as-is” and “as-available” basis. We disclaim all warranties, whether express or implied, including but not
  limited to implied warranties of merchantability and fitness for a particular purpose.
• 10.2 No Financial Advice
  The information provided on our Site is for informational purposes only and does not constitute financial, investment, or legal advice. You should
  seek professional advice tailored to your specific circumstances.

11. Limitation of Liability

• 11.1 Exclusion of Liability
  To the fullest extent permitted by law, 1Fi shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our Site or Services, even if we have been advised of the possibility of such damages.
• 11.2 Limitation of Liability
  Our total liability for any claim arising out of or relating to these Terms or our Services shall be limited to the amount paid by you for the specific Services giving rise to the claim. 

12. Indemnification

You agree to indemnify, defend, and hold harmless 1Fi, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with:

• Your use of our Site or Services.
• Your violation of these Terms or any applicable laws.
• Any disputes with third parties arising from your use of our Site or Services.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Any changes will be posted on our Site and will be effective immediately upon posting. It is your responsibility to review these Terms periodically. Your continued use of our Site or Services after any changes constitutes your acceptance of the revised Terms.

14. Termination

• 14.1 Termination by Us
  We may suspend or terminate your access to our Site or Services at any time, with or without cause, and with or without notice. Upon termination, your right to use our Site and Services will immediately cease.
• 14.2 Termination by You
  You may terminate your use of our Site and Services at any time by closing your account and ceasing to use our Site. You will remain responsible for any obligations incurred prior to termination.

15. Governing Law and Dispute Resolution

• 15.1 Governing Law
  These Terms are governed by and construed in accordance with the laws of Gurgaon, Haryana, without regard to its conflict of laws principles.
• 15.2 Dispute Resolution
  Any disputes arising out of or in connection with these Terms or our Services shall be resolved through binding arbitration in Gurgaon, Haryana.

16. General Provisions

• 16.1 Entire Agreement
  These Terms constitute the entire agreement between you and 1Fi regarding your use of our Site and Services and supersede all prior agreements and
  understandings. 
• 16.2 Severability
  If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
• 16.3 Waiver
  Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.
• 16.4 Assignment
  We may assign these Terms or any of our rights and obligations hereunder without restriction. You may not assign these Terms without our prior written consent.

17. Contact Information

For any questions or concerns regarding these Terms or our Services, please contact us at support@1fi.in