Terms of Use

The platform www.indiabonds.com and its mobile application “IndiaBonds” and other associated applications (collectively referred to as “Platform”) is owned and operated by India Bond Private Limited, a private limited company within the meaning of the Indian Companies Act, 2013 (CIN: U72100MH2008PTC178990) having its registered office at 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz (East), Mumbai- 400 098 (“Company” or “Us” or “Our” or “IndiaBonds” which expression shall include its successors and permitted assigns).

IndiaBonds is a SEBI Registered Stockbroker and licensed Online Bond Platform Provider (OBPP).

These Terms of Use (“Terms”) constitutes a legally binding agreement between visitors/users (either an individual or entity who visits, accesses or uses the Platform) (“you” or “your”) and the Company.

1. ACCEPTANCE OF THESE TERMS
   1. These Terms, Product T&Cs (defined in para 3.5) along with the privacy policy available at [https://www.indiabonds.com/privacy-policy/] (“Privacy Policy”) and Disclaimer available at [https://www.indiabonds.com/disclaimer/] and any other policies referenced hereinafter (collectively, “Policies”)], govern your access and use of the Platform, and its Services (defined below), regardless of your means of access.
   2. These Terms are an electronic agreement under applicable laws and do not require physical or digital signatures. By signing up or otherwise accessing the Platform, you are acknowledging, without limitation or qualification, to be bound by these Policies (as amended from time to time), whether you have read the same or not. Please read these Terms carefully before using or accessing the Platform. If you do not agree to these Terms, then you must not access the Platform.
   3. We may update these Terms from time to time. Continued use of the Platform after changes are made means you accept the updated Terms. Please check this page regularly for updates.


2. ELIGIBILITY
   1. You must be at least 18 years old, of sound mind, and legally allowed to enter contracts under the Indian Contract Act, 1872 to use this Platform. By using the Platform, you represent that you meet this eligibility requirement.
   2. If you are a minor, your parents or guardian will need to enter these Terms on your behalf. If you do not meet the minimum age requirements then we cannot register you as a user.


3. PLATFORM SERVICES
   1. The Platform offers you with access to a diverse range of various fixed-income securities including corporate bonds, government securities, fixed deposits, and other permitted debt instruments. These include, inter alia, buying and selling of corporate bonds in the secondary market; participation in public issues of bonds; fixed deposits with banks and Non-Banking Financial Companies; access to sovereign securities and government backed securities, and tax-saving bonds, along with related information and support services in relation to investments (“Services”). It is hereby clarified that the Platform offers only Products, Securities and Services that are permitted under applicable SEBI regulations for Online Bond Platform Providers (“OBPP”), as may be amended from time to time.
   2. The Platform may display or facilitate access to certain financial or non-financial products and services offered by third-party service providers (“Third Party Providers”), including but not limited to:
      1. fixed deposit products and related services offered by banks, NBFCs, or agencies authorized by such banks and NBFCs, including associated technology service providers.
      2. other financial products, securities, and ancillary services provided in collaboration with third-party entities.
      The inclusion or availability of such products or services on the Platform shall not constitute endorsement, recommendation, guarantee, warranty, or assurance by IndiaBonds as to the quality, suitability, reliability, performance, or regulatory compliance of such Third-Party Providers or their offerings. Users are advised to exercise independent judgment and seek appropriate professional advice prior to availing any such third-party service.
   3. The Platform provides educational resources, bond calculators etc. to help users make informed investment decisions. This content is for informational purposes only and does not constitute investment advice. The Company does not guarantee the accuracy of results from these tools, and users should verify calculations independently.
   4. Your use of the Platform’s services is subject to all applicable laws, including Information Technology Act, 2000 and the rules prescribed under it, rules and procedural guidelines set by the Securities and Exchange Board of India (SEBI) regulations, Reserve Bank of India (RBI) guidelines, and other relevant financial sector regulations, such as those notified by the stock exchanges, depositories, clearing corporations etc.
   5. Product-Specific Terms and Conditions:
      1. In addition to these Terms, specific products, securities and services offered on the Platform may be subject to additional product-specific terms and conditions (“Product T&Cs”) which will be made available on the respective product-specific webpages. By using any such product or service, you agree to comply with the applicable Product T&Cs.
      2. In case of any conflict or inconsistency between these Terms and any Product T&Cs, the Product T&Cs shall prevail with respect to that specific product, securities or service. These Terms shall be deemed incorporated by reference into all Product T&Cs and shall apply to the extent not explicitly modified or superseded by such Product T&Cs.
      3. You acknowledge that it is your responsibility to review and understand both these Terms and any applicable Product T&Cs before using any specific product or service on the Platform.


4. BETA SERVICES
   1. The Company may from time to time make available to you certain Services or features that are in beta testing phase (“Beta Services”). The Company will clearly identify Beta Services on the Platform to distinguish them from standard features.
   2. If you choose to use Beta Services, you acknowledge and agree that:
      1. The Company grants you a non-exclusive, non-transferable right to use the Beta Services for the period designated by the Company solely for the purpose of testing and evaluation;
      2. Beta Services may contain bugs, errors, omissions, and other problems that could cause system failures, data loss, or other issues;
      3. Beta Services are provided “as is” without any warranty of any kind, and the Company will not provide technical support or maintenance for Beta Services;
      4. Any risk of damages arising from the use or performance of Beta Services will be your responsibility;
      5. The Company may modify or terminate the Beta Services at any time without notice and without liability to you; and
      6. Upon termination of Beta Services, the Company is not obligated to provide continued access to data collected during the testing period.
   3. By using Beta Services, you agree to provide feedback on their performance and to report any bugs, defects, or suggestions for improvement when requested by the Company.


5. YOUR ACCOUNT
   1. You may access certain features of the Platform by creating an account on the Platform (“Account”). By doing so, you agree to: (i) completing a comprehensive Know Your Customer (KYC) verification process as per applicable law, subject to your explicit consent; (ii) provide true, accurate, current, and complete information about yourself; (iii) maintain and promptly update such information if needed; (iv) undergo such periodic KYC re-verification or updates (“Re-KYC”) as may be mandated under applicable law or Platform policy; and (v) keep your login credentials secure and not share them with others. You are responsible for any activity under your Account.
   2. Prior to creating an Account, you must provide explicit consent for the collection and processing of your personal identification and financial information including PAN, bank account details, and demat account information etc. for the Company to enable your registration. The Company may verify KYC information (such as Aadhaar) through various authorised databases, DigiLocker, CKYC, KRA records, third-party sources, which may require additional documentation. All provided information may be verified, and your registration will be activated upon successful submissions.
   3. You acknowledge and agree that the Company may, from time to time, require you to undergo re-verification of your KYC information or provide updated documentation to comply with regulatory obligations, risk assessments, or internal compliance policies. For details regarding collection and processing of such data, please refer to our Privacy Policy available here https://www.indiabonds.com/privacy-policy/.
   4. The information you provide in relation to your Account must not infringe on any third-party right. If you are using the Platform on someone else’s behalf; you represent that you have the authority to bind that person to these Terms. In the event that the person refuses to be bound as the principal to the Terms, you agree to accept liability for any misuse of the Platform resulting from such access.
   5. You agree and acknowledge that you are solely responsible for maintaining the confidentiality and security of your Account credentials, including login IDs, passwords, and other authentication mechanisms. The Company strongly advises that you take adequate precautions to prevent unauthorized access to your devices and Personal Data. Any compromise of such access credentials or device-level security may result in unauthorized access to your Account and associated information, and the Company shall not be held liable for any loss arising from such unauthorized access.
   6. If you know or have reasons to believe that the security of your Account has been breached, you should contact us immediately at the contact information provided in Clause 11.7. We may require you to reset your password, suspend your Account, or take other security measures without liability to the Company. You must cooperate in any investigation.
   7. The Company is not liable for violations of these Terms by you. We reserve the right to investigate breaches, pursue legal action, and collaborate with law enforcement where necessary.
   8. The Company may prescribe user onboarding criteria in line with applicable laws, including UN Sanctions List, KYC/AML norms, FATF compliances, and internal risk-based policies, including restrictions on users who are politically exposed persons (PEPs) or residents of high-risk jurisdictions, as defined under Indian law or as notified by relevant regulatory authorities.
   9. Specific representations by You

      In addition to the representations made elsewhere in these Terms, you hereby understand, declare, and confirm that:

      1. You shall comply with all applicable Know Your Client (KYC) norms, information disclosure requirements, and registration procedures as may be mandated by Securities Exchange Board of India, Stock Exchanges, Depositories, Clearing Corporations, or any other regulatory authority, or by the Company from time to time;
      2. You understand that neither the Company nor any vendor is responsible for conducting due diligence of any issuer, including the issuer of any debt security, fixed deposit, or any other product permitted to be displayed or distributed on the Platform. Neither the Company nor any vendor is obligated to verify the accuracy, correctness, or completeness of any information or data provided by such issuer.
      3. You are competent and eligible to invest in the product, securities and services displayed or available on the Platform;
      4. IndiaBonds does not conduct any due diligence or independent verification on any product or offering, including debt securities or fixed deposits, made available through the Platform. IndiaBonds does not provide any investment advice, tax advice, recommendation, or opinion with respect to the suitability, merits, or risks of any such product.
         Before making any investment decision, you will read and understand all transaction documents including offer documents, instrument descriptions, term sheets, security features, risk factors, statutory filings, issuer information, rating letters, and all other relevant documents required for informed decision-making;
      5. You will independently evaluate the past and current financial and business performance of any issuer;
      6. You confirm that you have independently assessed your risk tolerance, financial condition, and investment objectives prior to making any investment through the Platform. Investments in debt securities/ municipal debt securities/ securitised debt instruments are subject to risks including delay and/ or default in payment. Read all the offer related documents carefully.
      7. You solely assume all risks and liabilities arising from your investments or subscriptions without any recourse or claims against the Company, its representatives, any third party, including intermediaries or counterparties; and
      8. You will abide by all directions, orders, circulars, notices, and regulations issued by SEBI, RBI, stock exchanges, depositories, clearing corporations and other regulatory or governmental authorities and clearing corporations etc.



6. INFORMATION PROVIDERS & SERVICE PROVIDERS
   1. Clearing and settlement services:
      1. The Company facilitates execution and settlement of securities transactions through authorized clearing corporations for the execution and settlement of securities transactions as prescribed under applicable law. Users acknowledge that all trades executed through the Platform are settled through these designated clearing corporations, following their respective settlement cycles and procedures. The Company is not responsible for delays, failures, or losses arising from clearing and settlement processes managed by these entities.
      2. Clearing corporations may cancel trades, orders, or transactions at their discretion without providing a reason. The Company and vendors are not liable for any losses, damages, or claims due to such cancellation due to any reason whatsoever. Users will not be compensated by the Company for any ‘lost opportunity’ including notional profits on any order(s), which could not be executed or settled.
      3. Although most orders and transactions placed through the Platform are processed in real-time via automated systems, certain transactions may be subject to additional verification, which could result in processing delays. The Company reserves the right, at its sole and absolute discretion, to hold, cancel, or reject any order or transaction at any time, without prior notice and without assigning any reason to the user/client. This may include, but is not limited to, instances involving technical errors, incomplete KYC or documentation, suspected fraudulent activity, or any other circumstance deemed relevant by the Company.
   2. Stock Exchanges & Investment Platforms
      1. The Platform facilitates user participation in public issues of bonds, sovereign gold bond and other primary market debt products (fixed income) wherein we may offer bidding facility, subject to the terms and conditions specified in the respective issue documents. The application process, allotment, and refund mechanisms are governed by the regulatory framework established by SEBI, RBI, stock exchanges, clearing corporations, depositories, other relevant authorities, and prescribed investments mechanisms.
      2. Users acknowledge that: (i) investments is subject to exchange hours/ market hours, rules, and procedures; (ii) the Company has no control over stock exchange / clearing corporation systems or investments operations; (iii) investments disruptions or systemic issues at exchanges, clearing corporations, depositories may affect transaction execution; (iv) exchange fees and charges are separate from any fees that may be charged by the Company (including but not limited to brokerage fees, platform usage fees, or subscription charges, as applicable, and as may be introduced and amended from time to time); and (v) allotment of securities in public issues, including but not limited to primary market bidding, is subject to various factors including demand, investor category, issuer discretion, etc.
   3. Fixed Deposit Issuers & Bond Issuers

      The Platform facilitates investments in fixed deposits and bonds from various issuers. Users acknowledge that: (i) interest rates, terms, and features are determined solely by issuers; (ii) the Company does not guarantee issuer performance or creditworthiness; (iii) investment decisions must be based on user’s own assessment of issuer risk; its own risk and (iv) processing of applications and allotments is not within the control of the Company. Detailed terms for issuance of fixed deposit are available [https://www.indiabonds.com/fixed-deposit/].

   4. Payment Gateway Providers
      1. The Platform integrates with various payment gateway services for processing user transactions. For investments in permitted products including investments in bonds, government securities, treasury bills, state development loans, sovereign gold bonds, municipal bonds etc. payments are processed through authorized payment gateways that settle funds directly with the designated clearing corporation.
         For fixed deposit investments, payments are processed through issuer-specific payment gateways operated by the respective fixed deposit issuers. Interest rates, tenures, and other terms are as specified by the respective issuers.
      2. Users acknowledge that
         1. the Company does not handle or store user funds or securities.
         2. Payments on the Platform are facilitated through independent third-party payment service providers/ payment gateway providers. While you are not required to enter into a direct agreement with such providers, by proceeding with any transaction, you acknowledge that such payments may be subject to the standard terms, conditions, and operational policies of the respective payment gateway providers, as amended from time to time.
         3. The Company is not responsible for such terms, or for any loss, delay, or failure arising from payment processing by third parties.
         4. The Company is not liable for any payment failures, delays, or errors attributable to payment gateway providers; and
      3. Users shall, under no circumstances transfer any investment consideration or settlement amount to any bank account other than the designated bank account of the relevant Clearing Corporation, as permitted under applicable law. The Company does not accept or handle investor funds directly.
      4. All financial transactions initiated on this Platform shall be concluded and settled as per the applicable regulatory framework. The Platform shall not be liable or responsible in any manner whatsoever for the non-settlement of transactions and its related services.
   5. Technology Service Providers, Third-Party Services & Information:
      1. The Platform utilizes various technology service providers for identity verification, document processing, and other operational functions, including, inter alia, (i) DigiLocker for document verification and storage; (ii) credit rating agencies, depositories for security ratings and other related information; (iii) KYC verification agencies; (iv) data providers for market information and analytics; and (v) infrastructure providers for Platform security. (vi) Use of third-party software/services for data verification, user experience enhancement, regulatory fraud checks, and security improvements, through authorized Technology Service Providers.
      2. Users acknowledge that certain data, links, documents, websites, services on the Platform are sourced from various third parties, including but not limited to vendors, service providers, and facilitating agents (“Third-Party Services”). The Company assumes no responsibility for the accuracy, completeness, or correctness of such Third-Party Services. The Company does not control, review, or assume responsibility for the content, policies, security, or practices of any Third-Party Services. Any access, interactions, or transactions with Third-Party Services are at the user’s own risk. Users should carefully review the terms, privacy policies, and security measures of such Third-Party Services before engaging with them.
      3. These services are provided solely for convenience and informational purposes, and the inclusion of any link does not imply endorsement, sponsorship, or association by the Company. The Company only facilitates access to third-party services and is not liable for disputes between users and service providers. We may change or discontinue third-party integrations at our discretion.
      4. Use of Third-Party Infrastructure
         The Platform may rely on third-party cloud infrastructure and technology service providers for hosting, data processing, and other backend services. While the Company takes reasonable measures to ensure system availability, security, and confidentiality of User data, it does not guarantee uninterrupted access or error-free operation. Users acknowledge that certain services and data processing activities may be managed by third-party vendors, and the Company shall not be liable for any interruption, loss, or breach arising from acts or omissions of such providers beyond the Company’s reasonable control.
   6. Transaction Records & Documentation
      Records of the transactions maintained by the Company shall be accepted as conclusive and binding for all purposes. If Users receive incorrect credit of funds and/or securities (funds/securities are credited inadvertently), the Company, vendors, issuer, or clearing corporation reserves the right for remedial measures for recovery of the erroneous credit of funds/securities as it may deem fit. Users shall be obligated to immediately report and reverse any inadvertent credit of funds or securities to their account, whether discovered independently or upon receiving verbal or written intimation from the Company and/or its authorized representative(s). The Users are solely responsible for verifying the authenticity of such communications and must cooperate fully in effecting necessary reversals without delay.
   7. Platform Neutrality
      The Platform does not influence or solicit in any manner either the buyers for specific sellers or any security, financial instrument, or bonds or vice versa. The Company does not endorse or verify third-party advertisements, links, or information on the Platform. Users must evaluate such information independently. The Platform does not influence investment decisions and is not responsible for external product quality, reliability, or accuracy.


7. RISK DISCLOSURES AND INVESTMENT CONSIDERATIONS
   1. Investments in debt securities/ municipal debt securities/ securitised debt instruments are subject to risks including delay and/ or default in payment. Read all the offer related documents carefully.
   2. Corporate Bond Investments
      The Platform facilitates investments in corporate bonds through recognized stock exchanges. Users acknowledge that bond investments is subject to market conditions, liquidity constraints, and regulatory requirements. While the Platform provides details on credit ratings, yields, and maturity dates, users are responsible for conducting their own due diligence before investing.
   3. Government Securities & Special Products
      The Platform provides access to government securities (G-Sec), tax-saving bonds under Section 54EC, and Sovereign Gold Bonds (SGB) etc. Users acknowledge that these products come with specific regulatory requirements and may require eligibility verification.
   4. Market Risks & Investment Returns Investment in fixed-income securities carries inherent risks including but not limited to market risks, credit risks, interest rate risks, and liquidity risks. Past performance does not guarantee future returns. Users confirm that they have read and understood the risk factors and independently assessed the suitability of investments based on their financial goals, risk appetites and investments objectives.
   5. Price and Information Accuracy
      1. On its Platform, the Company provides information mandated under applicable laws, such as information relating to particulars regarding the transactions executed or the debt securities offered on the Platform. The Company also strives to provide accurate information regarding securities, including prices, yields, credit ratings, and other relevant data as mandated under the SEBI regulations, including the OBPP circulars, users acknowledge that such information is dynamic and contingent on various other factors, such as market volatility and credit risk, and therefore may be subject to updations, errors, or omissions. The Company does not guarantee the accuracy, completeness, or timeliness of such information provided on the Platform and shall not be liable for any investment decisions made based on such information.
      2. Users acknowledge that credit ratings assigned to any security are subject to change at any time, including before or after the execution of an investment. The Company assumes no responsibility or liability for any loss or damage arising from any revision, downgrade, or withdrawal of such ratings. By investing through the Platform, users confirm that they have independently assessed and understood the nature, features, and risks associated with the relevant securities and have exercised their own due diligence prior to making any investment decision.
   6. Conflict of Interest
      1. Financial Interests in Securities/ Instruments:
         IndiaBonds or its group companies, holding, subsidiaries, entities under common control, directors, employees, officers, representatives, and other related parties (“Related Parties”) may hold personal or institutional investments in securities displayed on the Platform. These securities may also be issued by entities with which IndiaBonds, or its Related Parties have financial or business relationships.
      2. Related Parties as Sellers / Issuers:
         Certain Related Parties, may be onboarded as sellers or issuers of debt securities on the Platform.
      3. Business Relationships with Issuers:
         IndiaBonds or its Related Parties may have existing or prospective engagements with Issuers of securities, including but not limited to advisory, consultancy, merchant banking, or other transactional services. The Related Parties may receive compensation/ fees/consideration from such Issuers for providing such services. This may create perceived conflicts if such Issuers’ securities are displayed or transacted on the Platform. IndiaBonds or its Related Parties may purchase securities displayed while also marketing or promoting the sale of securities on the Platform.
      4. Facilitation of Transactions:
         IndiaBonds facilitates transactions between Users (Buyers) and Vendors (Sellers) through this Platform, which may, from time to time, involve IndiaBonds or its Related Parties acting as principals in acquiring or disposing of securities. In such cases, IndiaBonds or its Related Parties may hold a direct or indirect financial interest in the securities listed or displayed on the Platform.


8. REFUNDS

   Subject to completion of requisite checks and formalities, refunds of settlement amounts for cancelled secondary market transactions routed through the RFQ platform shall be processed in the following manner:

   1. vendor shall refund the settlement amount as per the payment gateway refund policy;
   2. For funds received by clearing corporation from user’s bank account (directly through RTGS, Electronic Fund Transfers etc): The Clearing corporation will initiate the refund on settlement date or next trading day.

   Note:

   1. Different refund processes may apply for primary market transactions, fixed deposits, and other investment products offered on the Platform. Please refer to the specific Product T&Cs for details.
   2. No interest shall be payable on such refunds, and users shall not be entitled to raise any claim or liability against the Platform in any form.


9. LIMITED ACCESS
   1. The Company grants you a limited, non-exclusive, non-transferable, and revocable access to use the Platform solely for your personal investment purposes, in accordance with these Terms. All other rights remain reserved by the Company and its affiliates.
   2. Your license to execute trades and transactions through the Platform is subject to: (i) maintaining valid KYC verification; (ii) complying with all applicable laws and regulations; (iii) meeting the Platform’s/Issuer’s eligibility criteria for specific products; and (iv) maintaining required investments accounts and settlement capabilities.
   3. The access granted to you specifically excludes: (i) any commercial use, redistribution, or resale of Platform data, including but not limited to bond prices, yields, credit ratings, and market analytics; (ii) systematic downloading, storing, or copying of the bond directory or any market information; (iii) any use of data mining, robots, or similar data gathering and extraction tools to extract (whether once or many times) any parts of Platform; (iv) creating and/ or publishing derivative databases or products from Platform content; (v) redistributing or sharing access credentials or Platform content with third parties; and (vi) any use of the Platform’s investments infrastructure or market data feeds beyond individual investment purpose (v) Any unauthorised scraping, extraction, or reproduction of Platform content is strictly prohibited and may result in suspension of access, termination of user account, and initiation of legal proceedings under applicable law.
   4. The limited access granted under these Terms may be restricted, suspended, or permanently or temporarily denied to any user, at any time, at the sole discretion of the Company, without assigning any reason.


10. PRIVACY PRACTICES

    We value your privacy and have outlined our data protection practices in our Privacy Policy available here https://www.indiabonds.com/privacy-policy/. This Privacy Policy governs how we collect, store, use, process, disclose, and transfer your personal information. Apart from these Terms, the Privacy Policy will also govern your visit and use of the Platform. We do not collect your personal data without your affirmative consent. By using the Platform, you agree to the terms of our Privacy Policy, which may be updated from time to time. If there is any conflict between these Terms and the Privacy Policy regarding the handling of personal data, the Privacy Policy will take precedence.



11. CONTENT AND USER SUBMISSIONS
    1. All trademarks, logos, trade names, brand names, product names, service marks, or other proprietary identifiers (collectively, “Marks”) displayed on the Platform that are not owned by or registered in the name of the Company are the property of their respective owners or users. Such Marks are used on the Platform solely for purposes of identification, reference etc. The use of any such Marks does not imply any affiliation with or endorsement by their respective owners, unless expressly stated otherwise. The Company disclaims any ownership, license, or rights over such third-party Marks and acknowledges the proprietary rights of the respective owners.
    2. For purposes of these Terms, the term “Content” includes, without limitation, any location information, logos, images, videos, audio clips, comments, information, data, text, photographs, software, scripts, and graphics made available by you on the Platform. Any such Content added, created, uploaded, submitted, or posted during usage of the Platform by you is collectively referred to as, “User Submissions.”
    3. All User Submissions, whether publicly posted or privately transmitted, will be the sole responsibility of the person who originated such submissions. We do not guarantee the authenticity, accuracy, completeness, or reliability of any such User Submissions.
    4. You acknowledge and agree that:
       1. You own or have the necessary rights, licenses, and permissions to use and submit such User Submissions;
       2. The User Submissions does not infringe any third party’s intellectual property rights, privacy rights, or other rights;
       3. The User Submissions complies with these Terms and all applicable law;
       4. All User Submissions accessed by you, while utilizing or using the Platform will be at your own risk and will be solely responsible and liable for any damage or loss that may occur as may be attributable to you or any other party resulting therefrom;
       5. You will be responsible and liable for displaying of authentic User Submissions while using the Platform and we will have no liability in this regard; and
       6. We have no obligation to monitor or verify any User Submissions.
    5. You grant to us a royalty-free, perpetual, irrevocable, exclusive right and license to adopt, modify, publish, reproduce, disseminate, transmit, translate, distribute, copy, use, create derivative works from, display worldwide, or act on User Submissions at our discretion or through any technology now known or later developed, without additional approval or consideration in any form, for any purpose, including commercial purposes, without any compensation to you. You waive any claim over all feedback, comments, ideas or suggestions or any other content provided through you on Platform. You agree to perform all further acts necessary to perfect any of the above rights granted by you to us, including the execution of deeds and documents, at its request.
    6. With respect to the Content and User Submissions, you are prohibited from displaying, uploading, modifying, publishing, transmitting, updating, or sharing on or through the Platform, in accordance with applicable law, any information that:
       1. belongs to another person and to which you do not have any right;
       2. is obscene, pornographic, paedophilic, invasive of another’s privacy including bodily privacy, insulting, or harassing on the basis of gender, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or promoting enmity between diverse groups on the grounds of religion or caste with the intent to incite violence;
       3. harms minors in any way;
       4. infringes any patent, trademark, copyright, or other proprietary rights;
       5. deceives or misleads the addressee about the origin of such messages or knowingly and intentionally or communicates any information which is patently false and untrue or misleading in nature;
       6. impersonates another person;
       7. threatens the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation;
       8. contains software viruses or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer resource; or
       9. violates any law for the time being in force.
    7. In the event of a grievance related to Use of the Platform, please contact the grievance officer whose details are set out below. In case of grievances redressal:
       Grievance Officer,
       India Bond Private Limited
       605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz (East), Mumbai- 400 098
       E-mail: grievance@indiabonds.com
    8. For complaints against violation of the provisions above, and in relation to any consumer disputes, the grievance officer shall acknowledge the complaint and resolve such as per applicable laws. Company maintains a record of all complaints and their resolution status as per applicable laws.


12. YOUR RESPONSIBILITIES
    1. You agree that you will not, with regard to the Platform and the Services, display, upload, modify, publish, transmit, update, or share any of the following information, neither indulge in any of the following activities:
       1. Impersonation of any person or entity or make false claims, or otherwise misrepresent your association or affiliation with any person or entity;
       2. Use the Services or the Platform in any manner that could damage the Company or its reputation;
       3. Damage, circumvent, disable, or otherwise interfere with the security-related features of the Platform or use software viruses or any other computer code, files or programs designed to interrupt, destroy, limit, or impair the functionality of the Platform;
       4. Intentional interference with the Platform to damage, restrict, delay, or inhibit operations of the Platform or any part thereof by any means, including without limitation, uploading, or otherwise disseminating viruses, spyware or other malicious files that consist of contaminating or destructive feature;
       5. to copy, replicate, reverse-engineer, or duplicate any part of the Platform’s processes, user flows, product structures, or service journeys.
       6. Use the Platform to indulge in or conduct any activity or solicit the performance of any illegal activity or other activities which infringes the rights of others;
       7. sell, assign, sublicense, grant a security interest in, or otherwise transfer any right in the Services; or
       8. Use the Platform to collect or obtain personal information including financial information or non-personal information with any other party.


13. PLATFORM SECURITY:
    1. The Platform employs reasonable security measures to protect user data and transactions, including encrypted communications, multi-factor authentication, and regular security audits. Users must follow all security protocols set by the Platform and ensure they have the necessary technical capabilities to securely access services.
    2. The Company maintains robust systems for order routing, trade execution, and settlement processing in accordance with regulatory requirements and applicable law. The Company maintains secure connections with all integrated services including DigiLocker for document verification, payment gateways for fund transfers, and clearing corporation systems for settlement. All systems follow industry standards and regulatory guidelines to ensure secure operations.
       However, such integrations and connections may be subject to technical errors, glitches, or downtime, and the Company does not guarantee uninterrupted availability or flawless operation of these systems.
    3. You are prohibited from violating or attempting to violate the security of the Platform, including, without limitation:
       
       1. accessing data not intended for you or logging onto a server or an account which you are not authorized to access;
       2. attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization;
       3. use of data mining, robots, crawlers, or similar data gathering and extraction tools and technologies in any manner or for any purpose whatsoever;
       4. attempting to interfere with service to any other user, host, or network, including, without limitation, via means of submitting a virus, malware, or ransomware to the Platform, overloading, ‘flooding,’ ‘spamming,’ ‘mail bombing” or “crashing;’
       5. sending unsolicited email, including promotions and/or advertising of products or services;
       6. bypassing, disabling, or circumventing any technical measures we use to provide the Platform or its Services;
       7. disassemble, decompile, decipher, or otherwise attempt to discover the source code by way of reverse engineering or by any other method, of the Platform;
       8. forging any header or any part of the header information in any email; or
       9. engaging in any activity that may compromise the security or stability of the Platform.
    4. You agree not to use any device, software, or routine to interfere or attempt to interfere with the proper working of this Platform. You may only use the Company’s search tools or standard web browsers (e.g., Google Chrome, Microsoft Edge etc).
    5. The Company adheres to applicable cybersecurity requirements, including those prescribed under the SEBI Master Circular on Cyber Security dated August 20, 2024, and Users shall comply with all user-level obligations under such regulatory framework, if any.
    6. We report cybersecurity incidents to relevant authorities and fully cooperate with legal investigations. If required by law, we may provide user information to law enforcement for cybercrime investigations. By using the Platform, you consent to such disclosures, as necessary. Violating system or network security may lead to civil or criminal liability. The Company has the right to investigate and cooperate with law enforcement in prosecuting such violations.
    7. Data collected from you during your use of the Platform will be retained in compliance with applicable laws and internal policies of the Company. Users understands that Company may retain such data for longer periods if required by applicable law or for legitimate business purposes.
    8. We are not liable for any issues resulting from: (i) system failures or malfunctions; (ii) delays or disruptions in telecommunications; (iii) internet or server downtime; (iv) force majeure events affecting Platform operations; and (v) viruses or other technical issues.
    9. While we implement industry-standard security measures to protect your Personal Data, you acknowledge and accept that no data transmission over the internet can be guaranteed to be completely secure. Your use of the Platform is undertaken at your own risk.


14. CONTENT ON PLATFORM
    1. All content, materials, software, names, Service-related offerings, illustrations, designs, trademarks, and other intellectual property displayed or made available on the Platform are the exclusive property of Company or its licensors (collectively, “Company IP”). To the extent any content, materials, or services on the Platform belong to third parties, the Company has obtained the necessary licenses or permissions to host, display, and make such content available on the Platform.
    2. The Platform provides access to market data, financial information, and analytical tools, which may be protected by intellectual property rights. Users cannot redistribute, reproduce, or commercially exploit this information without prior written permission from the Company or relevant rights holders.
    3. Access to the Platform does not grant users any rights over the Company IP. All text, programs, technology, content, and materials on the Platform, including its look and feel, user experience, design elements, layout, interactive features, navigation systems, interactive tools, visual elements, and underlying code structure are owned exclusively by the Company and protected under Indian copyright laws and international treaties.
    4. Users must not copy, modify, distribute, replicate, or create derivative works from any content on the Platform without prior written permission from the Company. Further, users agree and acknowledge that they will not use screen scraping, data harvesting, or automated tools to systematically collect or extract Company IP, to incorporate onto another website, application, or service. Any unauthorized scraping, extraction, or reproduction of Platform content is strictly prohibited and may result in suspension of access, termination of user account, and initiation of legal proceedings under applicable law.
    5. Downloading or copying any content does not transfer ownership or rights to users. Unauthorized use of Company IP amounts to intellectual property infringement and unfair competition and may lead to civil or criminal liability under copyright, trademark, and trade secret laws.


15. DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY
    1. THE PLATFORM IS PRESENTED “AS IS” and “AS AVAILABLE” WITHOUT ANY WARRANTIES OR REPRESENTATIONS, EXPRESS, IMPLIED, STATUTORY OF ANY KIND. NEITHER WE NOR OUR HOLDING, SUBSIDIARIES, AFFILIATES, PARTNERS, DIRECTORS, OFFICERS, EMPLOYEES, KEY MANAGERIAL PERSONELL AND/OR LICENSORS MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, IN CONNECTION WITH THESE TERMS, THE POLICIES OR THE PLATFORM OR ANY OF THE CONTENT, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE, EXCEPT TO THE EXTENT SUCH REPRESENTATIONS AND WARRANTIES ARE NOT LEGALLY EXCLUDABLE.
    2. YOU AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER WE NOR OUR HOLDING, SUBSIDIARIES, AFFILIATES, RELATED PARTIES, REPRESENTATIVES, OR LICENSORS WILL BE RESPONSIBLE OR LIABLE (WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE) UNDER ANY CIRCUMSTANCES FOR ANY: (i) INTERRUPTION OF BUSINESS; (ii) ACCESS DELAYS OR ACCESS INTERRUPTIONS TO THE PLATFORM; (iii) DATA NON-DELIVERY, LOSS, THEFT, MISDELIVERY, CORRUPTION, DESTRUCTION OR OTHER MODIFICATION; (iv) LOSS OR DAMAGES OF ANY SORT INCURRED AS A RESULT OF DEALINGS WITH OR THE PRESENCE OF OFF-WEBPLATFORM LINKS ON THE PLATFORM; (v) VIRUSES, SYSTEM FAILURES, MALWARE, RANSOMWARE OR MALFUNCTIONS WHICH MAY OCCUR IN CONNECTION WITH YOUR USE OF THE PLATFORM, INCLUDING DURING HYPERLINK TO OR FROM THIRD PARTY WEBPLATFORMS; (vi) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (vii) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE PLATFORM; (viii) ANY INACCURACIES ERRORS, BUGS OR OMISSIONS IN CONTENT; OR (ix) EVENTS BEYOND THE REASONABLE CONTROL OF COMPANY.
    3. WE MAKE NO REPRESENTATIONS OR WARRANTIES THAT DEFECTS OR ERRORS WILL BE CORRECTED OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. FURTHER, TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER WE NOR OUR SUBSIDIARIES, AFFILIATES, PARTNERS, OR LICENSORS WILL BE LIABLE FOR ANY INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING LOST PROFITS, REVENUE, DATA, OR GOODWILL) RELATED TO THE PLATFORM OR YOUR USE THEREOF REGARDLESS OF THE FORM OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
    4. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT INCLUDING NEGLIGENCE, OR OTHERWISE) EXCEED INR 1,000 FOR ACCESSING OR USING THIS PLATFORM.
    5. This disclaimer constitutes an essential part of this Terms. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain damages. Accordingly, some of the above limitations may not apply to you.


16. INDEMNITY

    You agree to defend, indemnify and hold harmless Company, its employees, directors, officers, agents, representatives and their successors and assigns, its holding, subsidiaries, affiliates, partners, or licensors from and against any and all claims, liabilities, damages, losses, costs and expenses, including attorney’s fees, directly or indirectly caused by or arising out of claims based upon your actions or inactions, which may result in any loss or liability to Company including but not limited to your breach of any warranties, representations or undertakings or in relation to the non-fulfilment of any of your obligations under the Terms and/or the Policies; or arising out of the your violation of any applicable laws, regulations including but not limited to intellectual property rights, payment of statutory dues and taxes; any misuse, unauthorized access, or fraudulent activity conducted through your Account on the Platform; any claims of defamation, privacy violations, financial fraud, loss of service by other users or infringement of third-party rights arising from your use of the Platform and Services; or market risks and investment decisions; technical failures or interruptions in Platform access; delays or failures in trade execution or settlement; accuracy of information provided by third parties including credit ratings and market data; unauthorized access or security breaches not attributable to the Company’s negligence; and force majeure events affecting Platform operations or market functioning. This indemnification obligation will: (i) survive the termination of these Terms; (ii) include both direct and indirect damages; (iii) apply regardless of any negligence by Company or its representatives; and (iv) be independent of any other remedies available to Company.



17. ACCESS OUTSIDE INDIA
    1. We make no representation that the Platform or its Services are appropriate or legally permissible to be used or accessed outside the Republic of India. Users accessing the Platform from outside India do so at their own risk and are solely responsible for ensuring compliance with the laws of their respective jurisdictions.
    2. These Terms do not constitute, nor may they be used for or in connection with, any promotional activities or solicitation in any jurisdiction where such activities are unauthorized or illegal. Users agree that we shall have no liability for any consequences resulting from accessing the Platform outside India.


18. TERMINATION

    You agree that the Company may, at its sole discretion, suspend or terminate your access to all or any part of Platform without prior notice and without assigning any reasons. If you wish to cancel your registration or request that we no longer use your information to provide you details with respect to our Services and Platform, please write to us at contactus@indiabonds.com.



19. GOVERNING LAW AND JURISDICTION
    1. The Terms and the Policies will be construed in accordance with the applicable laws of India. For proceedings arising therein, the Courts at Mumbai will have exclusive jurisdiction.


20. Language Acknowledgement

    By accessing or using the Platform, you confirm and acknowledge that:

    1. You have read and understood these Terms, which are provided in the English language;
    2. You are conversant with the English language and could understand the contents, implications, and legal effect of these Terms; and
    3. You have sought or had the opportunity to seek independent advice or clarification where required, and your use of the Platform constitutes informed consent to be bound by these Terms.


21. Survival of Terms

    These terms shall continue to apply to the User even after the User ceases to be a User of the Platform, whether due to suspension, termination, or voluntary cancellation. They shall remain binding with respect to any rights, obligations, or liabilities arising from the use of the Platform prior to such cessation, including any transactions undertaken or actions initiated before such time.



22. GENERAL
    1. The Company, its affiliates, and their respective officers, directors, representatives, employees, agents, consultants, contractors, and service providers shall be relieved of all responsibilities and obligations in the event of failure of performance resulting directly or indirectly from acts of Force Majeure or causes beyond their reasonable control. “Force Majeure” events include, but are not limited to acts of God, natural disasters, fire, flood, epidemic, pandemic, quarantine restrictions, war, terrorism, riots, civil unrest, labor disputes, communication line failures, power failures, computer viruses, malicious code attacks, governmental restrictions, exchange or market rulings, suspension of trading, and other circumstances beyond the Company’s reasonable control. You acknowledge and agree that neither the Company, its directors, representatives, employees, KMPs, nor any of its affiliates is responsible or liable for (i) any incompatibility between the Platform and any other platform, service, software, or hardware or (ii) any delays or failures you may experience with any transmissions or transactions relating to the Platform in an accurate or timely manner due to Force Majeure events. Upon the occurrence of a Force Majeure event, the Company will make reasonable efforts to notify affected Users and resume normal operations as soon as practicable.
    2. The Company may update these Terms from time to time to reflect changes in regulations, market practices, or Platform functionality. Any modifications will be notified to you through reasonable means, including updates posted on the Platform.
    3. These Terms do not create any agency, partnership, affiliation, joint venture, or similar relationship between you and the Company.
    4. If we do not enforce a provision immediately, it does not mean we waive our right to enforce it later. A waiver of any provision does not waive future enforcement of that provision.
    5. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply. Where possible, the affected provision will be modified to reflect the original intent of the parties.
    6. Headings in these Terms are for convenience only and do not affect their interpretation.