These Terms of Use (the “Terms”) govern your use of Unnatih.com (this “Website”) and Unnatih Mobile App (the “App”) collectively referred to as “Platform”. By continuing to access or use this “Platform”, you agree to be bound by these Terms. The Terms may be updated at any time without prior notice. You are encouraged to review the Terms carefully prior to using this Platform and each time you return as they are subject to change.

About Unnatih:

This “Platform” provides products and services from Boharr, Boharr’s group companies, and third-party products and service partners. These services are offered under the brand ‘Unnatih’. The details of the products, services, companies, and brand details comprise:

‘Unnatih’ is the brand registered under Boharr Fintech Pvt. Ltd. (Boharr)

Boharr Fintech Pvt. Ltd. (Boharr^®) is the Holding Company that provides digital solutions and a technology platform for businesses including banks, financial institutions, brokers and financial intermediaries. Boharr also facilitates digital financial interface for varied financial and investment products including but not limited to Corporate Fixed Deposits, Secondary Market Bonds, Digital Gold, and Peer-to-Peer Investing.

CapHelp Partners Pvt. Ltd. (CapHelp), a wholly owned subsidiary of Boharr Fintech Pvt. Ltd. Carries out the business as a distributor of mutual funds under AMFI Registration No: ARN- 250324

General Platform Services and Information

The material on the Platform is directed at persons in India and over 18 years of age and are competent to form a binding contract under the Indian Contract Act, 1872; and have not previously been suspended or removed from using Boharr and its group companies services and/or the Platform or any part thereof.

It is not to be regarded as an offer to buy or sell, or the solicitation of any offer to buy or sell securities in any jurisdiction other than India. Person’s resident in or citizens of territories other than India, may be subject to local restrictions and should consult their investment advisers.

The information provided via the Platform is provided to you for your personal use as an investor and client or prospective client of Platform, Boharr and its group companies. Information contained on the Platform may not be used by you acting in any other capacity or for commercial purposes without the written consent of Boharr and its group companies.

Information on the Platform is provided for general information use only. The Platform does not provide personalized investment advice. Nothing contained on the Platform should be construed as being personalized investment advice for your particular circumstances. Although we make reasonable efforts to update the information on the Platform, we make no representations, warranties or guarantees, whether express or implied, that the content on the Platform is accurate, complete, or up to date. In view of this, the Platform advises you to verify the accuracy and completeness of any information before seeking to rely on such information.

We do not guarantee that the Platform, or any content on them, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of the Platform for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal. All use of the information by you must comply with such regulations, conditions, or restrictions applicable to the area or territory in which you shall use the information herein. None of the information published or made available via the Platform is intended to be published or made available in any jurisdiction where to do so would result in a breach of any applicable law or regulation.

Pop-up windows may be used on the Platform to display certain types of information. The Platform, Boharr, and its group companies will not be held liable for any loss incurred as a result of your inability to view information resulting from the use of pop-up blockers. Please ensure that you have disabled pop-up blockers when using the Platform.

Third-party content and linking

From time to time the Platform may permit linking by other sites to any part of the Platform. These third-party sites that have linked to the Platform, and the content contained therein have not been reviewed by Boharr ^®  and its group companies. Content provided by entities outside the Boharr and its group companies may also appear on the Platform or may be accessible via links from it (“Third Party Content”).

The Platform has not been involved in the preparation, adoption, or editing of Third-Party Content and does not explicitly or implicitly endorse or approve such content nor do they take responsibility for it. Your access and use of Third-Party Content is at your own risk. Third Party Content is provided for informational purposes only and the Platform, Boharr and its group companies shall not be liable for any loss or damage arising from your reliance upon such information. We have no responsibility for the authors, or the content of other sites or pages linked or linking to the Platform, and we accept no responsibility or liability for any losses or penalties whatsoever that may be incurred as a result of any linking to any location or any link sites.

Nothing on this Platform should be taken to infer Boharr and its group companies is in a partnership or joint venture with the operator of a linked site nor establish any relationship that would enable the operator of the third-party site to enter into any commitments for or on behalf of the Platform, Boharr and its group companies.

Intellectual property rights

All intellectual property rights (including, without limitation, copyright, trademarks, database rights, patents and all similar rights) in the Platform, including the Secure Site, and the information (including text, images and sound) contained in it are owned by Boharr, its licensors or relevant third-party content providers. You may use the information on this site and reproduce it in hard copy for your personal reference only. The information may not otherwise be reproduced, distributed or transmitted to any other person or incorporated in any way into another database, document or other material.

Any copy of materials that you make from the Platform must retain all copyright or other proprietary notices and disclaimers contained therein. Nothing on the Platform should be considered as granting any licence or right under any trademark of Boharr, and its group companies or any third party, nor should you attempt to use, copy adapt or attempt to register any similar trademarks to any trademarks or logos appearing on the website or in the information herein.

Prohibited Uses and Termination of Access

You may use this website only as permitted by law.

You may use this website only for personal, non-commercial purposes.

You may not do any of the following: (a) use this website in any manner that could damage or overburden any of Boharr server(s), or any network connected to any Boharr server; (b) use this website in any manner that would interfere with any other party’s use of this Platform; or (c) introduce or permit any person to introduce into this Platform any code or malicious or hidden mechanisms that would impair the operation of this website, or of Boharr’s computers, networks, or other devices or software.

You may not use any feature or services made available by this Platform to interact with any Boharr computer, network or service other than for the purposes and in the manner for which the feature or service is made available to, and is intended to be used by, users of this Platform.

Certain parts of this Platform are protected by passwords or require a login. You may not obtain or attempt to obtain unauthorized access to such parts of this website, or to any other protected materials or information, through any means not intentionally made available by Platform for your specific use.

No content made available on this website may be reproduced, duplicated, copied, sold, resold, or otherwise exploited for any commercial purpose without the express written consent of Boharr.

Use or disclosure of any content or materials from this website, including Third Party Content, in any manner inconsistent with these Terms or any other obligations that are made to the Platform by you, may result in immediate and irreparable harm to Boharr and/or Third-Party Content Providers, and any remedies at law in such event may not be adequate. Accordingly, in addition to all other remedies available at law or in equity, Boharr, its associates, and its Third Party Content Providers shall have the right to seek equitable and injunctive relief, without the necessity of proving actual damages and without posting a bond, to prevent such unauthorized, negligent, or inadvertent use or disclosure, and to recover the amount of all such damages (including attorneys’ fees and expenses) incurred in connection with such use or disclosure. Additionally, Boharr and its group companies is not waiving or purporting to waive any rights that the Third-Party Content Providers may have to pursue any and all claims against you or your agents in connection with the unauthorized use or disclosure of Third-Party Content.

Boharr and its group companies may terminate or suspend your access to this authorised access of Platform for any violation of the provisions of these Terms or for any reason whatsoever at its sole discretion and without prior notice.

Account-Specific Terms and Conditions

Subject to the foregoing, these Terms and Conditions (“T&C”) govern your access and use of the Platform.

When you access our Platform as a User, you’re agreeing to be bound by the following Terms of Use, and, if you’ve chosen to become a client, you will also be bound by the terms and conditions of the Client Agreement.

If you do not agree to all the terms and conditions, then you may not access the platform or make use of any services.

For the purpose of this agreement, a User is an individual who uses Platform to evaluate our services, or for educational purposes and a client is an individual who signs our Client Agreement that entitles the Client to access and use the services of the platform. This Agreement, as well as the Privacy Policy applies to both Users and Clients.

Notwithstanding the foregoing or anything else in these Terms and Conditions to the contrary, in the event of any conflict between the Terms and Conditions and a Client Agreement, the Client Agreement shall control.

The words “You” and “““Your” refer to the person(s) who use and avail the Platform and shall include both singular and plural. The services provided herein is only for Indian citizens above the age of 18 years and tax resident or non-resident of India. These Terms and Conditions form a legal and binding agreement between you and the Platform.

Account Opening and Management

In order to access certain features of the Platform, you must register to create an account (“User Account”). When you register, you will be asked to provide personal details including but not limited to name, permanent tax account number, date of birth, mobile number, a video recording to comply with Know-Your-Customer (KYC) requirements, bank account details, income information, etc. You will also be required to choose a password, which you will be required to use to access your User Account.

We collect and utilize your personal data to facilitate our interactions with you and to adhere to legal obligations with respect to Know-Your-Customer (KYC) and Anti-Money Laundering (AMC) Compliance. The lawful basis for collecting and using your data is determined by the specific purposes for which we process it. You can refer to the Privacy Statement for details on how we collect, use, and safeguard your data.

You are responsible for safeguarding your password and other User Account information. You agree not to disclose your password to any third-party and you will notify the Platform immediately if your password is lost or stolen or if you suspect any unauthorized use of your User Account. As a User you agree that you shall be solely responsible for any activities or actions under your User Account, whether or not you have authorized such activities or actions.

You agree that the information you provide to us on account registration through Platform is true, accurate, current, and complete. If for any reason the information is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or if Boharr and its group companies has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Boharr and its group companies has the right to suspend or terminate Your Account and refuse any and all current or future use of the Platform (or any portion thereof) at its discretion, in addition to any right that Boharr and its group companies may have against You at law or in equity, for any misrepresentation of information provided by You.

Termination and Closure of Account

The Client Agreement becomes effective when the User starts using the Products and Services on the Platform and remains valid unless terminated in accordance with the specified terms and conditions.

The agreement will be terminated if the User completely deletes their profile from the Platform and stops using its Products and Services. Additionally, the Platform reserves the right to terminate the User’s account at its sole discretion for any reason it deems appropriate.

Effects of Termination: The Platform will securely maintain a record of Users’ personal information and financial transactions as required by regulatory obligations. Furthermore, the Platform will share the User’s details with Third-Party Service Providers involved in the Products and Services where the User has invested. The Platform will fulfill the User’s redemption/transfer request or any other transactional/servicing request if it is legally permissible under applicable laws.

Scope of Service

The Platform provides Services from Third-Party Service Providers with whom Boharr and its group companies have entered into an agreement for offering such Products and Services on its Platform. The Services shall comprise the various Products and Services including but not limited to Corporate Fixed Deposits, Bonds, Mutual Funds, Insurance, Digital Gold, Peer-to-Peer investing, etc.

The Products and Services are independently manufactured by respective Banks, NBFCs, etc to whom such Products and Services belong, and as a referrer, agent or distributor the Platform is merely facilitating the provision of such Products and Services. As a part of Services, the Platform may provide to its User information regarding Products and Services as may be contained in the Third-Party Service Provider product material or otherwise communicated by the Platform. For clarity, the same shall not be construed by the User as an investment advisory or a proposal/offer or recommendation by the Platform, Boharr, or its group companies.

The User hereby agrees and acknowledges that the Services undertaken by the User shall be made purely by the User after due analysis of his/her financial circumstances, needs, objectives, financial goals, and risk assessment. All decisions by the User to perform any transaction/s on the Platform shall be made by the User and shall be based on the User’s own personal judgment arrived at after due analysis.

Instructions and Execution of Requests

By using the Platform and sending instructions through its facility, you are effectively authorizing the Platform to act on those instructions without requiring any further written or oral confirmation. Online instructions must be given following the prescribed form and method available on the Platform. As long as these instructions are provided using your Password and there is no negligence, fraud, or wilful default on the part of Boharr and its group companies or its employees (with reference to the relevant section of the Terms), they will be treated as valid.

This authorization remains in effect until the Platform receives a written notice of termination from you, or until you notify them through the Service. However, please note that any transactions already initiated by the Platform based on this authority will not be affected by the termination notice.

Upon the Platform’s acceptance of your instructions, you may receive a reference number and an electronic confirmation of your Order. Additionally, when available, you will receive electronic statements and valuations through our Third-party Service Providers. The Platform will maintain a record of all transactions, which will be available in your user account.

Please note that the Platform assumes no liability for the non-execution of any instruction unless you can demonstrate that you have received a reference number and an accurate confirmation of such instruction. Furthermore, the Platform will not be held responsible if authorization on your payment amount is unsuccessful or if incorrect details are submitted with your instruction.

Furthermore, you understand that the Service provided by the Platform is subject to the terms and conditions outlined in various documents, including Client Agreement Terms, the terms of business of any third-party involved in providing products or services to you, as well as any applicable offer documents, deeds, prospectuses, and scheme particulars like Scheme Information Document and Statement of Additional Information. These documents and their terms collectively govern the operation of your account with the Platform.

In the event of any conflict between these Terms and the aforementioned documents, these Terms will prevail specifically concerning the use of the Service, and the other documents shall prevail with respect to third-party products and services unless expressly stated otherwise.

Communication

By creating a User Account, you automatically sign up for various types of alerts via e-mail and mobile notification.

We never include your user-id or password in these communications, but we may include your name, email address, and information about your transaction and/or portfolio(s). Anyone with access to your e-mail or mobile device will be able to view these alerts.

You may unsubscribe from marketing-oriented emails at any time, if any.

You acknowledge and agree that telephone calls made to Fidelity may be recorded and monitored.

Title and Rights

Boharr and its group companies hold the copyright and all other intellectual property rights worldwide concerning the Information, the databases, and your Password in connection with the Service.

You are granted no rights to the Password and Information except as expressly stated in these Terms. If you become aware of any unlawful or unauthorized use of the Service or suspect any infringement of the Platform’s rights in the Information by any individual, you must promptly inform the Platform and provide them with any relevant details you have regarding the matter.

Fees and Commissions

The Platform, Boharr, and its group companies hereby agree not to levy any fees from the  end user who is investing directly using this platform for the provision of its Services under this Agreement. However, the Platform, Boharr and its group companies shall be entitled to earn commissions from the Third-Party Service Providers in relation to the Products and Services they offer. It is explicitly understood that the commission received by the Platform, Boharr and its Group Companies shall not be contingent upon the performance of such Products and Services at any point in time.

Payment Transactions

The Platform does not have its own payment gateway and relies on Third-party Service providers for this purpose. The Platform acts only as a facilitator of the payment service. When money is debited from the User’s bank account, it is directly credited to the Third-party service provider without passing through the Platform. The User can always refer to the Platform for updated order status.

Please note that there might be variances in values due to delayed data feeds, transmission losses in electronic data, electronic fund transfer, etc. For these issues, the Platform and its authorized representatives will not be held liable.

You agree to maintain sufficient funds in your Bank Account to cover the purchase price and other associated costs and charges/quantity of units.

You agree that the Platform does not have a lien over the User’s cash and investments held, nor is it controlled by Boharr and its Group Companies. Therefore, Boharr and its Group Companies will not be held responsible for any transmission loss or any costs, claims, or liabilities resulting from the User’s failure to process financial transactions with any third party.