Vittae Financial Services Private Limited (hereinafter referred to as “Vittae” or “We” or “Us” or “Our”) is a company registered with the Association of Mutual Funds in India as an Mutual Fund Distributor with the ARN-250012 under SEBI (Investment Advisers) Regulations, 2013 vide registration no. INA100012190 dated December 17, 2018 having its registered office at 11/10, Kaveri Street, Saligramam, Chennai- 600093, India.
Vittae Financial Services Private Limited operate mobile applications and website https://www.vittae.money under brand names Vittae.Money, Vittae. Vittae Money enables you (hereinafter referred to as, “You”, “you”, “your” or “User”) to find answers to all your money related questions, be it investment, income, loans or expenses with the help of certified expert/advisors, all in one app. Vittae shall through its Application provide advisory/guidance and wealth management services to the Users (“Services”). Vittae is committed to operating its website and mobile applications with the highest ethical standards and appropriate internal controls.
Vittae Financial Services Private Limited primarily would be facilitating insurance products through the Application using the help of registered insurance agents. For the purposes of providing the insurance products, Vittae shall only be a platform curating the research to find the right product and any claim or intrinsic policy related details post going live with the group policy can be obtained from the respective insurance company.
THESE WEBSITE TERMS IS AN ELECTRONIC RECORD IN THE FORM OF AN ELECTRONIC CONTRACT FORMED UNDER INFORMATION TECHNOLOGY ACT, 2000 AND RULES MADE THEREUNDER AND THE AMENDED PROVISIONS PERTAINING TO ELECTRONIC DOCUMENTS / RECORDS IN VARIOUS STATUTES AS AMENDED BY THE INFORMATION TECHNOLOGY ACT, 2000. THESE TERMS DOES NOT REQUIRE ANY PHYSICAL, ELECTRONIC OR DIGITAL SIGNATURE.
Please note that your visit, use of or access to our websites https://www.vittae.money and mobile applications (collectively referred to as “Application” or “Platform”) are subject to the following terms; if you do not agree to all of the following, you may not use or access the Services and Application in any manner.
Please note that your visit, use of or access to our websites https://www.vittae.money and mobile applications (collectively referred to as “Application” or “Platform”) are subject to the following terms; if you do not agree to all of the following, you may not use or access the Services and Application in any manner. Please note that your visit, use of or access to our websites https://www.vittae.money and mobile applications (collectively referred to as “Application” or “Platform”) are subject to the following terms; if you do not agree to all of the following, you may not use or access the Services and Application in any manner.When you use any of the Services provided on the Application, including but not limited to only financial services, or insurance products etc., you shall be subject to the rules, guidelines, policies, terms, and conditions applicable to such service, and they shall be deemed to be incorporated into this Terms of Use and shall be considered as part and parcel of this Terms of Use.
Please read on to learn the rules and restrictions that govern your use of our Application/Services. These Terms and Conditions (the “Terms” or the “Agreement”) are a binding contract between you and Vittae. If you have any questions, comments, or concerns regarding these terms or the Services, please contact us at support@vittae.money
You must agree to and accept all the Terms, or you don’t have the right to use the Services. Your using the Services in any way means that you agree to all of these Terms, and these Terms will remain in effect while you use the Services. These Terms include the provisions mentioned below, as well as those in the Privacy Policy.
The Application offers the Services to the Users which include, the advisory services to the Users relating to investing in, purchasing, selling or otherwise dealing in securities or investment products, and advice on investment portfolio containing securities or investment products. The Application offers the Services to the Users which include, the advisory services to the Users relating to investing in, purchasing, selling or otherwise dealing in securities or investment products, and advice on investment portfolio containing securities or investment products.
Please also note that there are other financial products and services, such as, loans, US Stocks, fixed deposit creation, Insurance etc. manufactured and/or distributed by third party providers, offered by or through the Application. However, it is, hereby, expressly clarified that any or all interaction, communication, dealing, or transaction between the Users and such third party provider in respect of availing of any products/services offered by the third party provider forms a separate and independent transaction between the User and such third party provider without any liability accruing to or on us for any matters arising out of or in relation to the same.
The User hereby agrees and acknowledges that all the decisions of the User, notwithstanding the Services rendered by Us, in relation to buy, sell, hold or otherwise deal in the investment securities shall be based on User’s own independent evaluation of the risks and rewards of the investments and User’s own verification of all the relevant facts, including financial and other circumstances and a proper evaluation thereof.
Neither We nor any of our employees or agents shall be liable for any advice or representation made by it/him/her under this Agreement and it will be the User’s responsibility to make an independent assessment pursuant to the availing/using of the Application/Services or availing any product or services from the third-party provider.
You acknowledge and agree that We do not guarantee that availing of the Services from the Application will result in profits or avoid losses or meet the objectives, including the investment objectives, of the User or that availing/using of the Services/Application will not at any time be affected by adverse tax consequences, technical failures, timely regulatory compliance to a new law. We will not be liable to the User for any error of judgment or loss suffered by the User in connection with the Services provided to the User.
Vittae does not disburse loans on its own but we enable you to compare the best possible options and apply for loans to various banks and NBFCs (Non-Banking Financial Corporation) in the Indian Market. You acknowledge that the loan rates vary from bank to bank and it is dependent on your credit profile and the loan/policies/scheme you decide to opt for. Vittae has nothing to do with the rates offered by Banks/NBFCs.
You agree and understand that by availing the Services you shall be bound by Our Privacy Policy and your information provided on the Application shall be shared with our Group Companies and Business Partners, which shall store your data within Indian jurisdiction as per applicable laws.
You agree that during your use and access of the Application and/or availing of the Services offered by the Application, you will provide Us with certain information and other data as mentioned under these Terms herein which may or may not be otherwise publicly available. Please note that We respect the privacy and confidentiality of such data and the provisions pertaining to such private information and data as provided by You under these Terms, are governed under the Application’s Privacy Policy which is available at https://www.vittae.money/privacy-policy. By using and visiting the Application and availing the Services of the Application, you also agree to the terms and conditions of our Privacy Policy.
You acknowledge that, in the course of your relationship with Vittae and in using the Services, you may obtain information relating to the Services and/or Vittae (“Proprietary Information”). Such Proprietary Information shall belong solely to Vittae and includes, but is not limited to, the features and mode of operation of the Services, trade secrets, know-how, inventions (whether or not patentable), techniques, processes, programs, ideas, algorithms, schematics, testing procedures, software design and architecture, computer code, internal documentation, design and function specifications, product requirements, problem reports, analysis and performance information, benchmarks, software documents, and other technical, business, product, plans and data. In regard to this Proprietary Information:
Use and Protection of Intellectual Property Rights
Vittae Application is protected by copyright, trademarks, patents, trade secret and/or other relevant intellectual property laws. No information, content or material from the Application may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without Vittae’s express written permission. You are hereby given a limited license to use the Application for your personal and non-commercial use, subject to your agreement of these Terms. You agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the Vittae Application.
Limitation of Liability, Indemnity, and Warranty
THE USER AGREES AND UNDERSTANDS THAT THE APPLICATION IS PROVIDED BY US ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE APPLICATION OR THE INFORMATION, CONTENT INCLUDED ON THE APPLICATION. YOU EXPRESSLY AGREE THAT YOUR USE OF THE APPLICATION IS AT YOUR SOLE RISK.
TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE APPLICATION, ITS SERVERS, OR EMAIL/ OTHER COMMUNICATION SENT FROM THE APPLICATION ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE APPLICATION, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES.
ALL INVESTMENTS ARE SUBJECT TO MARKET RISKS. READ ALL SCHEME RELATED THINGS CAREFULLY. PAST PERFORMANCE IS NOT AN INDICATOR OF FUTURE RETURNS.
ALL INTERACTION, COMMUNICATION, DEALING, OR TRANSACTION BETWEEN THE USERS AND THE THIRD-PARTY PROVIDER IN RESPECT OF ANY PRODUCTS/SERVICES OFFERED BY THE THIRD-PARTY PROVIDER IS A SEPARATE AND INDEPENDENT TRANSACTION BETWEEN THE USER AND SUCH THIRD-PARTY PROVIDER WITHOUT ANY LIABILITY ACCRUING TO OR ON US FOR ANY MATTERS ARISING OUT OF OR IN RELATION TO THE SAME. THE USER EXPRESSLY AGREES AND ACKNOWLEDGES TO HOLD HARMLESS US IN RESPECT OF ANY COST, CLAIMS, DAMAGE, LOSS OR EXPENSES ACCRUED, SUFFERED, INCURRED BY US OR ANY THIRD PARTY ARISING OUT OF OR IN CONNECTION WITH ANY SUCH COMMUNICATION, INTERACTION, DEALINGS AND TRANSACTIONS BETWEEN THE USER AND THIRD-PARTY PROVIDERS. THE USER ACKNOWLEDGES THAT WE DO NOT HAVE ANY CONTROL OVER SUCH DEALINGS AND TRANSACTIONS AND PLAYS NO DETERMINATIVE ROLE IN THE PERFORMANCE IN RESPECT OF THE SAME AND WE SHALL NOT BE LIABLE FOR THE OUTCOMES OF SUCH COMMUNICATION, INTERACTION, DEALINGS AND TRANSACTIONS BETWEEN THE USERS AND THE THIRD-PARTY PROVIDERS.
WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD-PARTY PROVIDER IN ANY MANNER AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR ANY TRANSACTION BETWEEN YOU AND SUCH PARTY PROVIDER. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM THROUGH SUCH THIRD-PARTY PROVIDER, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
Vittae shall have the right to charge its Users a fee for use of its platform and for availing advisory services as set out in the Application. Vittae may change fee structure as it determines in its sole discretion from time to time and notice regarding the same shall be intimated to you adequately in advance prior to such change in fee structure. All charges and fees shall be exclusive of taxes and all Government taxes including but not limited to GST shall be payable by you. All charges shall be non-transferable.
If the whole or any part of the performance is prevented, hindered or delayed by a Force Majeure event (as defined below), Vittae shall not be liable for any failure to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities, and in such case its obligations shall be suspended for so long as the Force Majeure event continues. “Force Majeure Event” means any event, due to any cause beyond the reasonable control of Vittae, including without limitations, unavailability of any communication systems, breach, or virus in the digital processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, lockdown, computer hacking, unauthorized access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.
All illegality, invalidity or unenforceability of any provision of these Terms under the law of any jurisdiction will not affect its legality, validity or enforceability under the law of any other jurisdiction nor the legality, validity or enforceability of any other provision.
No failure on the part of any party to exercise, and no delay on its part in exercising any right or remedy under this Agreement will operate as a waiver thereof, nor will any single or partial exercise of any right.
You agree that we may transfer, subcontract or otherwise deal with our rights and/or obligations under these terms at any time without any further notice . You agree that you cannot assign or otherwise transfer, subcontract the terms or any rights granted hereunder to any third party,
ny dispute, controversy, claims or disagreement of any kind whatsoever between the Parties in connection with or arising out of this Agreement shall be referred for arbitration, to a sole arbitrator appointed by Vittae, through arbitration to be conducted in accordance with the Arbitration and Conciliation Act, 1996. The seat and venue of such arbitration shall be at Chennai, India. All proceedings of such arbitration, including, without limitation, any awards, shall be in the English language. The award shall be final and binding on the Parties.
These Terms shall be governed, interpreted, and construed in accordance with the laws of India, without regard to the conflict of law provisions and for resolution of any dispute arising out of your use of the Services or in relation to these Terms. Notwithstanding the foregoing, you agree that (i) Vittae has the right to bring any proceedings before any court/forum of competent jurisdiction and you irrevocably submit to the jurisdiction of such courts or forum; and (ii) any proceeding brought by you shall be exclusively before the courts in Chennai, India.
These Terms shall be governed, interpreted, and construed in accordance with the laws of India, without regard to the conflict of law provisions and for resolution of any dispute arising out of your use of the Services or in relation to these Terms. Notwithstanding the foregoing, you agree that (i) Vittae has the right to bring any proceedings before any court/forum of competent jurisdiction and you irrevocably submit to the jurisdiction of such courts or forum; and (ii) any proceeding brought by you shall be exclusively before the courts in Chennai, India.These Terms, together with the other guidelines, rules, terms, conditions and/or policies of the Application, including the Privacy Policy and any other arrangement/agreement in relation the Services, including the Advisory Agreement (applicable to advisory clients), constitute the entire agreement between the User and the Us and supersede all previous agreements, promises, proposals, representations, understandings and negotiations, whether written or oral, between the User and US pertaining to the subject matter hereof.
Notwithstanding the termination or rescission of this Agreement, the provisions of this Agreement shall continue to apply to those duties and obligations which are intended to survive any such cancellation, termination or rescission, including, without limitation clauses related to Limitation of liability, Indemnity, Warranty, Intellectual Property, Confidentiality, Dispute Resolution, Governing Law and Jurisdiction. Further any provisions of this Agreement which by implication are to survive the termination of this Agreement shall survive such termination. Termination of the Agreement shall not abate the causes of action that have accrued to the Parties prior to such termination.
Vittae reserves the right to change or modify, from time to time, any provision related to the Service(s) or these Terms, which also include, changing of the extent and scope of the Services and/or include any other category, service, facility or feature within the term ‘Service’, at the sole discretion of the Application. Any such change(s) shall be effective immediately upon the posting of revised Terms and may be notified via Application. You can determine when these Terms were last revised by referring to ‘LAST UPDATED’ at the top of these Terms. By using the services provided through this Application, you shall be deemed to have accepted the Terms herein including the amended Terms published on the Application from time to time. Your continued use of the Application following the posting of changes mean that you accept and agree to the changes. If you do not agree with any such change, your sole and exclusive remedy is to terminate your use of the Application. It is, further, clarified that the User’s use and access of the Application/Service(s) is subject to the most recent version of these Terms made available on the Application at the time of such use.