Please read these Terms and Conditions ("Terms") carefully before using the website https://drishti.money (the "Service") operated by INVE TECHNOLOGIES PRIVATE LIMITED ("we", "us", or "our").

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

1. Overview of the Service

drishti.money is an AI-powered portfolio analysis platform that provides tools for concentration risk analysis, red flag detection, crash simulation, earnings call analysis, and related investment analytics for Indian stock market investors.

2. Not Investment Advice

The information and analysis provided by drishti.money is for educational and informational purposes only. It does not constitute investment advice, financial advice, trading advice, or any other form of advice.

drishti.money is not registered with the Securities and Exchange Board of India (SEBI) as an investment advisor, research analyst, or portfolio manager. We do not recommend the purchase, sale, or holding of any securities.

You should consult a qualified financial advisor or SEBI-registered investment advisor before making any investment decisions. All investment decisions are made at your own risk.

3. Eligibility

You must be at least 18 years of age and a resident of India to use this Service. By using the Service, you represent that you meet these requirements.

4. Account Registration

To access certain features, you must register using your mobile number, verified via a one-time SMS code. You are responsible for maintaining the confidentiality of your account and for all activities under your account. You agree to notify us immediately of any unauthorized access.

5. Subscription Plans and Payments

The Service offers both free and paid subscription plans (Pro and Premium). By subscribing to a paid plan:

You agree to pay the applicable subscription fees as displayed on our pricing page.
Payments are processed through our third-party payment gateway partner.
Subscription fees are charged on a monthly recurring basis.
All prices are listed in Indian Rupees (INR) and are inclusive of applicable taxes unless stated otherwise.

6. Cancellation

You may cancel your subscription at any time. Upon cancellation:

Your access to paid features will continue until the end of the current billing period.
No refunds will be provided for the remaining period of a cancelled subscription.
Your account will revert to the free plan after the billing period ends.

7. Broker Integration

Our Service integrates with third-party broker platforms (currently Zerodha) through Account Aggregator frameworks to fetch your portfolio holdings.

You authorize us to access your holdings data through these integrations.
We do not execute trades on your behalf or access your trading account.
We are not responsible for any issues arising from third-party broker services.
You may revoke broker access at any time from your account settings.

8. Acceptable Use

You agree not to:

Use the Service for any unlawful purpose
Attempt to gain unauthorized access to any part of the Service
Use automated tools (bots, scrapers) to access the Service beyond permitted API limits
Reverse engineer, decompile, or disassemble any part of the Service
Share your account credentials or subscription access with others
Redistribute, resell, or commercially exploit the analysis or data provided

9. Intellectual Property

All content, features, analysis algorithms, and functionality of the Service are owned by INVE TECHNOLOGIES PRIVATE LIMITED and are protected by intellectual property laws. You may not copy, reproduce, or distribute any part of the Service without prior written consent.

10. Accuracy of Information

While we strive to provide accurate analysis, we do not guarantee the accuracy, completeness, or timeliness of any information provided through the Service. Stock prices, financial data, and AI-generated analysis may contain errors or delays. You acknowledge that any reliance on such information is at your own risk.

11. Limitation of Liability

To the maximum extent permitted by applicable law, INVE TECHNOLOGIES PRIVATE LIMITED shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

Financial losses resulting from investment decisions made based on our analysis
Loss of data or unauthorized access to your account
Service interruptions or downtime
Errors in AI-generated analysis or recommendations

Our total liability for any claim arising from the Service shall not exceed the amount you paid to us in the 3 months preceding the claim.

12. Indemnification

You agree to indemnify and hold INVE TECHNOLOGIES PRIVATE LIMITED harmless from any claims, losses, or damages arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

13. Service Availability

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts in Bangalore, Karnataka, India.

15. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Your continued use of the Service after changes constitutes acceptance of the revised Terms.

16. Contact Us

If you have questions about these Terms, contact us at:

INVE TECHNOLOGIES PRIVATE LIMITED
Email: info@drishti.money
Website: https://drishti.money