Terms of Use

1. About these terms

These Terms of Use ("Terms") govern your use of the Equitree Capital mobile application (the "App") and the Equitree Capital website at equitreecapital.com (together, the "Services"). The Services are provided by Equitree Capital Advisors Private Limited ("Equitree", "we", "us" or "our"), a portfolio manager registered with the Securities and Exchange Board of India (SEBI Registration No. INP000005777).

By signing in to or using the App you agree to these Terms. If you do not agree, do not use it. These Terms sit alongside, and do not replace, your portfolio management agreement and the disclosure document that govern your portfolio management relationship with us. If there is any conflict, the portfolio management agreement prevails for matters it covers.

2. Who may use the App

The App is offered only to:

• existing Equitree portfolio management clients;
• persons a client has authorised to view that client’s information, where we have recorded that authorisation; and
• distributors and partners we have onboarded, in respect of the clients and information we have made available to them.

You must be at least 18 years old and legally capable of entering into a contract. Access is granted to you personally and is limited to the information relating to your own account or the accounts you are authorised to see. We may decline, suspend or withdraw access where we cannot verify that you meet these conditions.

3. Your account and security

You sign in using a one-time passcode (OTP) sent to your registered email or phone and, if you enable them, a time-based one-time passcode (TOTP) or biometric unlock (Face ID or fingerprint). Biometric matching is carried out by your device and not by us.

You are responsible for:

• keeping your OTPs, passcodes and device unlock methods confidential, and never sharing your OTP with anyone, including anyone who claims to represent Equitree, and entering it only in the App or on our sign-in page;
• keeping your registered email address and phone number current and under your control;
• securing the device you use, including its screen lock and any biometrics enrolled on it, and signing out or revoking trusted devices you no longer use or have lost; and
• contacting us promptly, using the details in section 14, if you suspect unauthorised access to your account.

Activity carried out using your credentials is treated as yours until you tell us that your credentials have been compromised. We may require additional verification, limit sessions, or block access where we see signs of misuse or risk.

4. Information in the App

The App displays information about your portfolio, such as holdings, transactions, valuations, returns, documents and reports, to help you keep track of your account. It is provided for information and reporting only. It is not an offer, a solicitation or personalised investment advice.

The official record of your portfolio is the statements and reports issued to you by our custodian, Nuvama Custodial Services Limited, and by us. Figures in the App may be delayed, estimated, rounded or presented on a different basis from those statements, and may be revised. If the App differs from your statements, the statements prevail. Please read your statements and the related documents carefully, and contact us if something does not look right.

Any performance information shown is historical. Past performance is not an indicator of future returns.

5. Bodhi AI assistant

Bodhi AI is an AI assistant in the App. Its answers are generated automatically, are for information only and are not investment advice. We do not guarantee that they are accurate, complete or current. They may contain errors, so do not rely on them alone. Check anything important against your statements, or speak to us, before you act.

When using Bodhi AI, you agree not to:

• enter passwords, OTPs, bank or card details, or other sensitive information that is not needed to answer your question; or
• use it to extract other clients’ information, to probe or bypass our controls, or for any unlawful purpose.

We may apply usage limits, filter inputs and outputs, and suspend the feature at any time. Your prompts are processed by a third-party provider and your chats are kept as part of our records, as explained in our Privacy Policy.

6. Acceptable use

You agree not to:

• access or try to access information about any account you are not authorised to see;
• copy, scrape, reverse engineer, decompile or interfere with the App, its security or its infrastructure, or use automated means to access it;
• introduce malware, overload the Services or attempt to disrupt them;
• use the Services for any unlawful, fraudulent or misleading purpose; or
• resell, republish or commercially exploit information from the App, except as the law or your agreement with us allows.

7. Intellectual property

The App, the website and their content, including the Equitree name and logos, design, text, software and reports, belong to us or our licensors and are protected by law. We give you a limited, personal, non-exclusive, non-transferable and revocable right to use the App for your own portfolio information in line with these Terms. No other rights are granted. Your own portfolio data remains yours.

8. Data and privacy

How we collect, use, share, retain and delete your information is described in our Privacy Policy, which forms part of these Terms.

9. Notifications and communications

Push notifications are opt-in and you can turn them off in the App or in your device settings. We may also send you service messages that you need to operate your account, such as sign-in codes and reports you request. Marketing emails can be stopped at any time using the unsubscribe link in them; this is separate from your App account and notification settings.

10. Availability and changes to the Services

We work to keep the Services available and secure, but we do not promise that they will be uninterrupted or error free. They may be unavailable for maintenance, upgrades, security reasons, or because of events outside our control, including failures of telecom, cloud, custodian or other third-party systems. We may change, suspend or discontinue features, and may require you to update the App to continue using it.

11. Disclaimers and limitation of liability

To the extent permitted by law, the Services are provided on an "as is" and "as available" basis, and we give no warranty, express or implied, about their accuracy, completeness, availability or fitness for a particular purpose. Information from third parties, such as our custodian or market data providers, is shown as received.

To the extent permitted by law, we will not be liable for indirect, incidental, special or consequential loss, or for loss of profit or opportunity, arising from your use of, or inability to use, the Services, or from decisions you make based on information in the App or on answers from Bodhi AI. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, or any right or protection you have under SEBI regulations or your portfolio management agreement.

12. Regulatory disclosures

Equitree Capital Advisors Private Limited is a SEBI-registered Portfolio Manager (Registration No. INP000005777). Investments in securities markets are subject to market risks. Read all the related documents carefully before investing.

13. Suspension, ending access and account deletion

We may suspend or end your access if you breach these Terms, if a legal or regulatory requirement obliges us to, or to protect the security of the Services or other clients.

You may ask us to delete your App account at any time, using the process on our account deletion page. Because we are a SEBI-registered Portfolio Manager, we delete the App account once you have fully redeemed and your PMS account is closed. If you still hold investments, we record your request and keep your account active until then. A partial redemption does not affect your account. An account that was never funded is deleted after we verify your identity. Deleting your App account does not itself close your PMS account. Provisions of these Terms that are meant to continue after access ends, such as those on liability and governing law, continue to apply.

14. Grievance redressal

For questions about the App or help with your account, email [email protected]. To make a complaint about the Services, write to us at [email protected] or call +91 22 4972 6816. Our complaints process is set out in our client grievance redressal document. If your concern is not resolved to your satisfaction, you may escalate it through SEBI’s SCORES platform at scores.sebi.gov.in or the SEBI online dispute resolution portal at smartodr.in.

15. Changes to these Terms

We may update these Terms from time to time to reflect changes in the Services, our practices or the law. We will post the updated Terms here with a revised effective date and, where the change is material, we will tell you through the App or by email. Continuing to use the App after a change takes effect means you accept the updated Terms.

16. Governing law and jurisdiction

These Terms are governed by the laws of India. Subject to any dispute-resolution process required by SEBI, including the SEBI online dispute resolution mechanism, the courts at Mumbai, Maharashtra have exclusive jurisdiction over any dispute arising out of or in connection with these Terms or the Services.

17. General

If any part of these Terms is found to be unenforceable, the rest continues in effect. Our failure to enforce a provision is not a waiver of it. You may not transfer your rights under these Terms to anyone else. We are not responsible for delay or failure caused by events beyond our reasonable control.