Service Terms & Conditions of Use

Welcome to our ‘Website’! WC Financial Services Private Limited (‘WCFS’) respects the Users using our website and services. We herein lay down the service level terms and conditions of use, which together with our ‘Privacy Policy’ and ‘Disclaimer’, govern WCFS's relationship with you.

The term WCFS, wherever mentioned in this Service Terms & Conditions Of Use shall include WCFS, Wealth Central (‘WC’), www.wealthcentral.in, authorized service providers, agencies, affiliates, partners and staff of WCFS. The term ‘Website’, wherever mentioned in this Service Terms & Conditions Of Use shall include all content, information, statements, opinions, products, services, materials, proposals, payments and transactions conducted by/vide/through www.wealthcentral.in and/or its mobile application and and shall also include other non-online or offline or physical or Demat or paper-based or e-mail based or mobile text based or whatsapp application based exchange of business transactions or personal information or financial information or ideas or concepts or proposals or know-how or techniques.

By visiting our Website, registering with us and / or agreeing to transact with us, you agree and accept to all of the terms and conditions contained in this Agreement. Please read this Agreement carefully and make sure that you understand it fully before using our Services.

This Agreement is a contract between You and WC Financial Services Private Limited (WCFS) - including and not limited to our primary ‘Website’ www.wealthcentral.in (Wealth Central (WC)), and applies to your use of the Services provided by WCFS and WC.

Use of our ‘Website’ is available only to persons who can form legally binding contracts under Indian Contract Act, 1872. Persons who are 'incompetent to contract' within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to use the Website. If you are a minor i.e. under the age of 18 years, you shall not register at our ‘Website’ and shall not transact on or use our ‘Website’ without the presence / guidance of a legal guardian.

You understand and accept that WCFS maintains our ‘Website’ 'www.wealthcentral.in' to provide visitors with information about WCFS, its services and products, and to enable visitors to avail its services. You understand and accept that we may communicate with you by email or by such other mode of communication, electronic or otherwise.

You understand and accept that all information (except published sources of information), content, materials, products, text, content, photographs, graphics, video and audio content, ’look and feel’ and design on our ‘Website’ are the intellectual property and copyright of WCFS and cannot be copied or republished in any format. You understand and further accept that all personal information submitted in connection with your use of our Offerings or the ‘Website’ is subject to Our 'Privacy Policy' and shall be deemed as the property of WCFS, and WCFS shall be free to use any ideas, concepts, know-how or techniques provided by you to us, in any manner whatsoever. You agree to grant WCFS a non-exclusive, worldwide, perpetual, irrevocable, royalty-free right to exercise the copyright, publicity, database rights or any other rights you have in your information, in any media now known (or not currently known), with respect to your information provided by you.

You understand and accept that that you are well aware of the rules & regulations and the risks involved in services offered by WCFS. Changes are periodically added to the information herein. WCFS may make improvements and/or changes on this web site at any time. We will not be responsible for any data accessed / misused by unauthorized use of WCFS ‘Website’ by third party due to user's neglect or due to allowing access to personal data to third party intentionally or unintentionally.

You understand and accept that all WCFS can communicate with the AMCs or any other authorized service providers / agencies / affiliates on your behalf regarding financial or non-financial transactions; and/or to facilitate subscription and redemption of mutual fund units or shares or stocks or any other financial instrument or investment option or insurance by facilitating transfer of your money and instructions to the relevant agency / body.

You understand and accept that you shall at all times provide accurate information and supporting documents for the creation and maintenance of your investment services and/or insurance account; to ensure that the money invested by you is from legitimate sources, and is remitted through approved banking channels; to keep login credentials safe and secret; to make an informed decision by reading offer documents, scheme related documents, fund factsheets, insurance proposal letter and other documents pertaining to your investment; and adhere to the ‘Disclaimer’ section of this Website.

You understand and accept that not all products and services offered on this ‘Website’ are available in all geographic areas, and WCFS reserves the right to determine the availability and eligibility for any product or service.

You understand and accept that WCFS shall not be involved in any financial handling. You therefore agree not to raise any claim or dispute against WCFS. You understand and further accept that you shall not sue WCFS and its directors, officers, employees or agents against any breach of law or loss of money which is done by you or money changers or other parties, which is beyond the control of WCFS.

You understand and accept that you shall at all times ensure full compliance with the applicable provisions of all applicable Domestic Laws, Rules and Regulations and International Laws, Business Laws, Statutes, Ordinances and Regulations (including, but not limited to Capital Gains Tax, Income Tax, Sales Tax/VAT, GST, Octroi, Service Tax, Central Excise, Custom Duty, Local Levies) regarding your use of our services, and your investments.

You understand and accept that WCFS shall not be liable for any incidental, direct, indirect, notional or consequential loss/damages if any transaction does not yield, or not completed, or for any failure on the part of WCFS to perform any of its obligations under these terms and conditions, or those applicable specifically to its services if performance is prevented, hindered or delayed by a Force Majeure event (events due to any cause beyond the reasonable control of WCFS, including and without limitations the unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of God, civil commotions, strikes or industrial action of any kind, riots, insurrection, war, acts of the government, 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 programme, mechanical or technical errors/failures or power shutdown, faults or failures in telecommunication, etc.). In such a case, WCFS's obligations shall be suspended for so long as the Force Majeure event continues.

You understand and accept that WCFS is not responsible for the availability of content, or other services on third-party sites linked from the Website. You are aware that the access links to other sites are at your own risk, and the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored or endorsed by WCFS in any way. WCFS does not make any warranties, and expressly disclaims all warranties, express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non-infringement with respect to any information or services or products that are available or advertised or sold through these third-party Websites.

You understand and accept that you must notify us (a) immediately of any unauthorized use of your account and any other breach of security, and (b) ensure that you exit from your account at the end of each use of the offerings/services/facilities. We cannot and will not be responsible for any loss or damage arising from your failure to comply with the foregoing requirements or as a result of use of your account, either with or without your knowledge, prior to your notifying us of unauthorized access to your account. You may not transfer your account to any other person and you may not use anyone else's account at any time without the permission of the account holder.

You understand and accept that you will not use WCFS ‘Website’ for any purpose that is unlawful, or prohibited by any terms of this Agreement. You also agree you will not use the site in any manner that could damage, disable or impair the Website. You further understand and accept that you shall not host, display, upload, modify, publish, transmit, update or share any information which (a) belongs to another person and to which you do not have any right; (b) is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; (c) is misleading in any way; (d) is patently offensive to the online community/ explicit / violent or otherwise inappropriate content; (e) involves the transmission of ‘junk mail’, ‘chain letters’, or unsolicited mass mailing or ‘spamming’; (f) infringes upon or violates any third party's rights; (g) promotes an illegal or unauthorized copy of another person's copyrighted work; (h) contains restricted or password-only access pages, or hidden pages or images; or (j) violates any law for the time being in force.

You understand and accept that you shall not use any ‘deep-link’, ‘page-scrape’, ‘robot’, ‘spider’ or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of our ‘Website’ or any Content, or in any way reproduce or circumvent the navigational structure or presentation of our ‘Website’ or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Website. You shall not attempt to gain unauthorized access to any portion or feature of the Website, or any other systems or networks connected to our ‘Website’ or to any server, computer, network, or to any of the services offered on or through the Website, by hacking, password ‘mining’ or any other illegitimate means. WCFS reserve our right to bar and/or take due action on any such activity.

You understand and accept that you shall not probe, scan or test the vulnerability of our ‘Website’ or any network connected to our ‘Website’, nor breach the security or authentication measures on our ‘Website’ or any network connected to the Website. You may not reverse look-up, trace or seek to trace any information on any other user(s) or visitor(s) to our Website, to its source, or exploit our ‘Website’ or any service or information made available or offered by or through the Website, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by the Website. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of or editing the contents of the ‘Website’ or any transaction being conducted on or through the Website, or with any other person's use of the Website.

You understand and accept that there is no legal right to any member or user of WCFS to raise dispute against WCFS. WCFS shall have the absolute discretion to amend or supplement any of the Terms and Conditions, SLAs, and Terms of Use at any time. We may communicate the amended terms by hosting the same on our ‘Website’ or in any other manner as decided by WCFS. You understand and accept that you shall be responsible for regularly reviewing these terms including amendments thereto as may be posted on the Website.

You agree and accept that the Courts in Chennai alone shall have exclusive jurisdiction as regards to any claims or matters arising out of dealings with WCFS. All disputes will be governed by the laws of India. However, WCFS retains the right to bring legal proceedings in any jurisdiction where they believe that infringement of the Privacy Policy, Terms of Use and/or the Disclaimer is taking place or originating. If you believe that your rights are being violated by information on this Website, you may get in touch with by sending an email to hello@wealthcentral.in. You understand and agree that these terms are in addition to, and not in derogation of, the applicable terms and conditions relating to your usage of WCFS’s services that you may be currently availing, or may avail in the future.