Terms of Use

Please read the Terms and Conditions carefully before accessing to our Websites i.e, enps.kfintech.com, nps.kfintech.com, cra.kfintech.com & ‘NPS by KFintech CRA’ Mobile App and/or any other pages thereof. By accessing to our Websites, it is deemed that you automatically agree to the Terms and Conditions. In case you do not agree to our Terms and Conditions, kindly do not access our websites.

For sake of brevity the term User, You, Your shall have similar meaning throughout this document.

Our Websites along with its services and tools are governed by ‘Terms of Use’ including all applicable policies and on using our Website, You shall be subjected to the relevant policies. By accessing or using our Website, it is deemed of You entering into a contract with KFintech-Central Recordkeeping Agency (KFintech CRA) for the any or all services.

We reserve the right, at our sole discretion, to change, modify, add and/or remove terms of the Terms of Use, at any time without prior written notice or intimation. It is Your responsibility to review the Terms of Use periodically to understand the updates/changes. As long as the User complies with these Terms of Use, we shall grant personal, non-exclusive, non-transferable, limited privilege to enter and use the Website.

Eligibility to avail Service

All person(s) who are eligible to enter in to contracts as specified under The Indian Contract Act, 1872 are eligible to use/access to our Websites. Person(s) who are "incompetent to contract" as defined under The Indian Contract Act, 1872 including but not limited to minors, un-discharged insolvents etc. are not eligible to use our Website. However a minor can use/access to our website only under guidance/ assistance of his/her guardian.

We irrevocably reserve the right to decline the access of the Website to those Users who do not meet the eligibility criteria as mentioned above.

Obligations/ Liability of the User

The User understands that if any information is untrue, inaccurate, not correct or incomplete or if we have reasonable grounds to suspect that such information is untrue, inaccurate, not correct or incomplete, or not in accordance with these Terms of Use, we shall have the right to indefinitely/ irrevocably suspend or terminate or block the User’s access to the Website

Processing of Transactions

All transactions shall be processed as per the applicable rules, laws and regulations, business practice, standard operating procedures, guidelines and as agreed with the Users/clients.

Value of investments as stated on the site

The value of your investment(s) as stated on the site is based on yesterday’s published unit prices – (NAV) and unit balance currently recorded. The unit balance may not include recent transactions that have not yet been processed.

Use of Password

To protect the secrecy of identification and/or password, User shall take all such measures as may be necessary including but not limited to protecting the passwords.

Certain services shall require User identification and hence the User shall use self-identification while availing such services.

In the event of theft and/or loss of user identification and/or password and/or security word, the user shall immediately notify KFintech telephonically and/or concurrently provide KFintech with a written notice to that effect. The sole responsibility for maintenance and secrecy of the login credentials provided to obtain the services from the said website lies on User. We shall not be liable in whatsoever manner or nature for any loss suffered by the User due to disclosure of the password and other personal information to a third party.

Unauthorized Access

The User may not use the site in any manner that could damage, disable, overburden, or impair the network(s) connected to this site or interfere with any other party’s use and enjoyment of this site. The User may not attempt to gain unauthorized access to this site, other accounts, computer systems or networks connected to the site, through hacking, password mining or any other unlawful means. The User may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the site.

User shall indemnify, defend and hold harmless KFintech from and against all claims, demands, liabilities, losses, damages, costs and expenses, including, without limitation, reasonable attorneys' fees, resulting in any manner, directly or indirectly arising from Users’ negligence, misrepresentations, or willful misconduct, violation law.

Suspension of Service

If the User is found to be using this site for illegal purposes or is observed having violated any of the terms and conditions applicable for usage of this site, KFintech may without prejudice to any other rights or remedies that may be available, suspend the service (s) provided to such User.

KFintech shall at its own discretion shall suspend the services on non-receipt of payment from the User.

Upon subsequent payment KFintech may at its discretion and subject to such terms as it deems proper, reconnect the service(s).

Confidentiality

The User shall not disclose to any other person, in any manner whatsoever, any information relating to KFintech or its Affiliates of a confidential nature obtained in the course of availing the services through the website. Further no use, reproduction, transformation or storage of the Proprietary Information shall be made by the user without the prior permission of KFintech, except where required to be disclosed pursuant to any applicable laws or legal process issued by any court or the rules of any competent regulatory body.

Use of the Website

The User agrees to, undertake and confirm that the use of Website shall be strictly governed by the following binding principles:

The User shall not host, display, upload, modify, publish, transmit, update or share any information which:

i. belongs to another person and to which the User does not have any right to;

ii. which is misleading in any way;

iii. violates any law for the time being in force;

iv. shall not be false, inaccurate or misleading;

The User shall not attempt to gain unauthorized access to any part of the Website, or any other systems or networks connected to the Website or to any server, computer, network, or to any of the services offered on or through the Website, by hacking or any other illegitimate means.

The User shall at all times ensure full compliance with the applicable provisions of the Information Technology Act, 2000 and rules thereunder as applicable and as amended from time to time and also all applicable Domestic laws, rules and regulations regarding use of Our service.

We reserve the right, but have no obligation, to monitor the materials posted on the Website. We shall have the right to remove or edit any content that in its sole discretion violates, or is alleged to violate, any applicable law or either the spirit or letter of these Terms of Use. In no event shall we assume or have any responsibility or liability for any Content posted or for any claims, damages or losses resulting from use of Content and/or appearance of Content on the Website. The User hereby represent and warrant that the User have all necessary rights in and to all Content which You provide and all information it contains and that such Content shall not infringe any proprietary or other rights of third parties or contain any libelous, tortious, or otherwise unlawful information.

Content Posted on Site

Except as expressly provided in these Terms of Use, no part of the Website and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way (including "mirroring") to any other computer, server, Website or other medium for publication or distribution or for any commercial enterprise, without Our express prior written consent.

The User may use information made available on the Website for downloading, provided that (1) use such information only for your personal, non-commercial informational purpose and not to copy or post such information on any networked computer or broadcast it in any media, (2) make no modifications to any such information, and (3) not to make any additional representations or warranties relating to such documents.

Privacy

By entering the personal details, User hereby authorize KFin Technologies Ltd. or the concerned Point of Presence (POPs) to contact the User and this will override any NDNC registration made thereby. We respect User’s right to privacy under applicable law. We are committed to protecting your privacy. We therefore work towards offering you an effective, safe and secure online experience in compliance with Information Technology (Reasonable Security Practices and Procedure and Sensitive Personal Data or Information) Rules, 2011 and The Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016.

KFin Technologies Ltd. or the concerned Point of Presence (POPs) shall process the User Data in compliance with applicable regulations under Digital Personal Data Protection Act, 2023 or any other Applicable Law.

Use of Information and Materials

The information and materials contained in these pages - and the terms, conditions, and descriptions that appear - are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance.

No Warranty

The information and materials contained in this site, including text, graphics, links or other items - are provided "as is," "as available". KFintech does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

Limitation of Liability

In no event will KFintech be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if KFintech or representatives thereof, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by Us.

Force Majeure

KFintech CRA shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of the CRA to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event and in such case its obligations shall be suspended for so long as the Force Majeure event continues.

Compliance with Laws

The User agrees to use the Web Site in strict compliance with all applicable laws, rulings, and regulations and in a fashion that does not, in the sole judgment of KFintech, negatively reflect on the goodwill or reputation of KFintech. The User shall take no action which might cause KFintech to be in breach of any laws, rulings or regulations applicable in India and in certain other jurisdictions control the export of products and information.

The User agrees to comply with all such applicable restrictions and not to export or re-export the Content (including any software or the Services) to countries or persons prohibited under India or other applicable export control laws or regulations.

If the User accesses and downloads the Content (including any software or the Services) or Information, representing that the User is not in a country where such export is prohibited or are not a person or entity to which such export is prohibited, the User shall solely be responsible for compliance with the laws of local jurisdiction and any other applicable laws regarding the import, export, or re-export of the Content (including any software or the Services).

Indemnity

You shall indemnify and hold harmless KFintech, its affiliates and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of Your breach of this Terms of Use, Privacy Policy and other Policies, or Your violation of any law, rules or regulations or the rights (including infringement of intellectual property rights) of a third party.

Non-exclusive Remedy

Termination or expiration of this arrangement, in part or in whole, shall not limit either party from pursuing other remedies available to it, nor shall either party be relieved of its obligation to pay all fees that are due and owing under this arrangement through the effective date of termination. Neither party shall be liable to the other for any damages resulting solely from termination as permitted herein.

Indian Law

Any dispute, whatsoever, arising out of this arrangement shall be governed by the Laws of India. The Courts of law at Hyderabad shall have exclusive jurisdiction over any disputes arising under this arrangement.

Trademark, Copyright and Restriction

This site is owned, controlled and operated by KFintech. All material on this site, including images, illustrations, audio clips, and video clips, are protected by copyrights, trademarks, and other intellectual property rights. All material on the Website is solely for Your personal, non-commercial use. You must not copy, reproduce, republish, upload, post, transmit or distribute such material in any way, including by email or other electronic means and whether directly or indirectly and You must not assist any other person to do so. Without the prior written consent of the owner, modification of the materials, use of the materials on any other website or networked computer environment or use of the materials for any purpose other than personal, non-commercial use is a violation of the copyrights, trademarks and other proprietary rights, and is prohibited.

General

You may not assign these Terms of Use or any of Your interests, rights or obligations under these Terms of Use. If any provision of these Terms of Use shall be found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Use, which shall remain in full force and effect. No waiver of any of these Terms of Use shall be deemed a further or continuing waiver of such term or condition or any other term or condition. You may preserve these Terms of Use in written form by printing them for Your records, and You waive any other requirement for these Terms of Use to be proved by means of a written document.