TERMS OF SERVICE

Effective Date: 16 May 2026  |  Last Updated: 16 May 2026

www.25wealthsecrets.com

IMPORTANT — PLEASE READ CAREFULLY

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the website www.25wealthsecrets.com and all related advisory services, tools, calculators, and content provided by 25Wealth Secrets ("we", "us", "our", or "the Company").

By accessing our website, registering for an account, booking a consultation, or using any of our services, you confirm that:

•         You are at least 18 years of age

•         You have the legal capacity to enter into a binding agreement

•         You have read, understood, and agree to be bound by these Terms

•         You consent to our Privacy Policy, which is incorporated into these Terms by reference

•         You are an Indian resident or Non-Resident Indian (NRI) seeking financial advisory services governed by Indian law

If you are accessing our services on behalf of a business or organisation, you represent that you have the authority to bind that entity to these Terms.

2. About 25Wealth Secrets

25Wealth Secrets is a SEBI Registered Investment Advisor (RIA) operating under the SEBI (Investment Advisers) Regulations, 2013. We provide fee-based, independent financial advisory services including:

•         Mutual fund advisory and portfolio planning

•         Insurance need assessment and plan comparison

•         Goal-based financial planning (retirement, education, home purchase, wealth building)

•         SIP planning and investment strategy advisory

•         Portfolio review and rebalancing guidance

SEBI Registration Number: INA000XXXXXX

AMFI ARN Number: ARN-XXXXXX

3. Eligibility and Account Registration

3.1 Eligibility Criteria

To use our advisory services, you must:

•         Be at least 18 years of age

•         Be a resident of India or an NRI with valid Indian financial accounts

•         Possess a valid PAN card (required for KYC compliance under SEBI regulations)

•         Have a bank account in your name for investment purposes

•         Not be prohibited by any applicable law from receiving financial advisory services

3.2 Account Registration

Certain features of our platform require you to create an account. When registering, you agree to:

•         Provide accurate, complete, and current information at all times

•         Maintain and promptly update your account information if it changes

•         Keep your login credentials confidential and not share them with any third party

•         Notify us immediately at support@25wealthsecrets.com if you suspect unauthorised access to your account

•         Accept responsibility for all activities that occur under your account

3.3 KYC Requirements

As a SEBI-regulated entity, we are required to complete Know Your Customer (KYC) verification before providing personalised advisory services. You agree to submit accurate identity and financial documents as required. Failure to complete KYC may limit your access to certain services.

4. Our Services and Advisory Scope

4.1 Nature of Advisory Services

Our services are purely advisory in nature. We provide recommendations, analysis, and guidance based on the information you share with us and your stated financial goals. We do not:

•         Execute investment transactions on your behalf (unless separately authorised in a written agreement)

•         Hold, manage, or have custody of your funds or securities

•         Guarantee any specific investment returns or financial outcomes

•         Provide stock tips, intraday trading advice, or speculative recommendations

•         Offer legal, tax, or accounting advice (we recommend consulting qualified professionals for these needs)

4.2 Fee-Based Model

Our advisory services are provided on a fee-only basis. All fees will be disclosed to you upfront before any advisory engagement begins, in compliance with SEBI (Investment Advisers) Regulations, 2013. We do not earn commissions, trail fees, referral fees, or any other form of indirect compensation from mutual fund houses, insurers, or any financial product providers.

4.3 Tools and Calculators

Our website provides financial calculators (SIP calculator, goal planner, retirement calculator, etc.) for general informational and illustrative purposes only. Results generated by these tools are based on assumed rates of return and user inputs — they are not financial advice and do not constitute a guarantee of returns.

4.4 Service Availability

We strive to maintain continuous availability of our platform, but do not guarantee uninterrupted service. We reserve the right to modify, suspend, or discontinue any part of our services at any time, with or without notice, for maintenance, updates, or regulatory compliance reasons.

5. Investment Risk Disclosure

By using our advisory services, you acknowledge and accept the following:

5.1 Market Risk

Mutual fund investments and other securities are subject to market fluctuations. The value of your investments may go up or down depending on market conditions, economic factors, interest rate changes, and geopolitical events. There is no guarantee of capital protection unless specifically stated in the product documentation.

5.2 Liquidity Risk

Certain investments (such as ELSS funds with a 3-year lock-in, or close-ended funds) may not be redeemable before maturity or without penalty. We will inform you of any lock-in or liquidity restrictions before recommending such products.

5.3 Inflation Risk

Returns on conservative instruments (debt funds, FDs, RDs) may not always outpace inflation. We factor inflation into goal planning projections, but actual inflation rates may differ from projections.

5.4 Regulatory and Tax Risk

Tax laws and SEBI regulations governing mutual funds and financial products may change. Such changes could affect the returns or tax treatment of your investments. We will endeavour to keep you informed of material regulatory changes, but we are not liable for the financial impact of regulatory or tax law changes.

5.5 Advisor Limitation

Our recommendations are based on the information you provide us and our analysis at the time of advice. We are not responsible for investment outcomes resulting from incomplete, inaccurate, or outdated information provided by you, or from your decision to deviate from our advisory recommendations.

6. User Obligations and Prohibited Conduct

6.1 Your Obligations

As a user of our platform, you agree to:

•         Provide accurate, complete, and truthful information during onboarding, KYC, and risk profiling

•         Inform us promptly of any material changes in your financial situation, goals, or risk tolerance

•         Read all advisory recommendations, disclaimers, and scheme-related documents before making investment decisions

•         Make investment decisions independently and not hold us liable for outcomes based on our recommendations

•         Keep your account credentials secure and confidential

•         Use our platform only for lawful personal financial planning purposes

6.2 Prohibited Conduct

You agree NOT to:

•         Use our platform for any unlawful purpose, including money laundering, tax evasion, or fraud

•         Provide false or misleading information during KYC or risk profiling

•         Attempt to access, scrape, reverse-engineer, or copy our proprietary tools, content, or algorithms

•         Distribute, sell, or commercially exploit our advisory content without written permission

•         Impersonate any person or entity or misrepresent your identity

•         Interfere with or disrupt the security, integrity, or functionality of our platform

•         Upload or transmit malicious code, viruses, or harmful content

•         Use our services if you are a Politically Exposed Person (PEP) without prior disclosure

Violation of these prohibitions may result in immediate termination of your account and, where applicable, reporting to regulatory authorities.

7. Intellectual Property Rights

All content on our platform — including text, articles, blog posts, calculators, tools, graphics, logos, brand elements, advisory frameworks, and proprietary methodologies — is the exclusive intellectual property of 25Wealth Secrets or its licensors, and is protected under Indian copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use our platform solely for your personal financial planning purposes. This licence does not include:

•         The right to reproduce, republish, or distribute our content commercially

•         The right to create derivative works based on our advisory frameworks or tools

•         The right to use our brand name, logo, or trademarks without written consent

•         The right to scrape, index, or harvest data from our platform using automated tools

Any unauthorised use of our intellectual property may result in legal action under the Copyright Act, 1957, and the Trade Marks Act, 1999.

8. Fees, Payments, and Refund Policy

8.1 Fee Disclosure

In compliance with SEBI (Investment Advisers) Regulations, 2013, all advisory fees will be disclosed to you in writing before the commencement of any paid advisory service. Our fee structure may include:

•         One-time consultation fees for specific advisory sessions

•         Annual retainer fees for ongoing portfolio advisory relationships

•         Plan-specific fees for goal planning, portfolio construction, or insurance advisory

Free services (such as our online calculators and general educational content) will always remain accessible without charge.

8.2 Payment Terms

Fees are payable in advance unless otherwise agreed in writing. We accept payments via UPI, net banking, debit/credit cards, and other methods available on our platform. All payments are processed through secure, RBI-compliant payment gateways.

8.3 Refund Policy

Given the nature of advisory services, fees are generally non-refundable once an advisory engagement has commenced. However:

•         If a paid session has not yet been conducted, a full refund will be issued upon written request within 48 hours of payment

•         If our service is demonstrably not delivered as agreed, a pro-rata refund may be considered at our discretion

•         Refund requests must be submitted to billing@25wealthsecrets.com within 7 days of the issue arising

SEBI-mandated cooling-off periods, if applicable, will be honoured in full.

9. Disclaimers and Limitation of Liability

9.1 No Guarantee of Returns

25Wealth Secrets does not guarantee any specific rate of return, capital protection, or financial outcome from any investment recommendation. All projections and illustrations are based on historical data and assumed return rates, which may differ materially from actual outcomes.

9.2 Accuracy of Information

We take reasonable care to ensure the accuracy of information on our platform. However, financial markets and regulatory environments change rapidly. We do not warrant that all information on our website is current, complete, or error-free. You should independently verify any information before making financial decisions.

9.3 Third-Party Content

Our platform may contain links to or information from third-party websites, fund houses, or financial data providers. We do not endorse or take responsibility for the accuracy, completeness, or reliability of third-party content. Use of third-party resources is at your own risk.

9.4 Limitation of Liability

To the maximum extent permitted by applicable law, 25Wealth Secrets shall not be liable for:

•         Any direct, indirect, incidental, special, or consequential financial losses arising from your investment decisions

•         Losses resulting from market fluctuations, regulatory changes, or economic events beyond our control

•         Losses arising from your reliance on information from third-party sources or external links

•         Technical failures, interruptions, or data loss on our platform

•         Losses resulting from your provision of inaccurate or incomplete information during advisory engagement

Our total liability to you for any claim arising from these Terms or our services shall not exceed the total fees paid by you to us in the preceding 12 months.

9.5 Regulatory Compliance Limitation

We operate in compliance with SEBI regulations as they stand at the time of advisory. Changes in law, SEBI circulars, or judicial orders may affect our services. We are not liable for the financial impact of regulatory changes that occur after the date of our advisory recommendation.

10. Confidentiality

Both parties acknowledge that in the course of our advisory relationship, confidential information will be shared. 25Wealth Secrets commits to:

•         Treating all client financial data, goals, and personal information as strictly confidential

•         Not disclosing client information to any third party except as required by law or regulatory mandate

•         Maintaining confidentiality obligations for a minimum of 5 years after the termination of the advisory relationship

You agree not to disclose any proprietary advisory methodologies, frameworks, or materials provided to you as part of our services to any third party without our written consent.

11. Termination of Services

11.1 Termination by You

You may terminate your use of our services at any time by:

•         Providing 30 days written notice to advisory@25wealthsecrets.com

•         Completing any outstanding KYC or compliance obligations

•         Settling any outstanding fees for services rendered

Upon termination, we will provide you with a summary of all advisory records and data held in your name, in compliance with SEBI record-keeping requirements.

11.2 Termination by Us

We reserve the right to terminate or suspend your access to our services immediately, without prior notice, if:

•         You breach any provision of these Terms

•         You provide false, fraudulent, or misleading information during onboarding or KYC

•         Your continued use poses a legal, regulatory, or reputational risk to 25Wealth Secrets

•         We are required to do so by a regulatory authority or court order

•         You engage in abusive, threatening, or inappropriate conduct toward our team

11.3 Effect of Termination

Upon termination of our advisory relationship, all outstanding fees become immediately payable. We will retain your records for the regulatory-mandated period under SEBI (Investment Advisers) Regulations, 2013. The following sections of these Terms survive termination: Intellectual Property, Disclaimers, Limitation of Liability, Confidentiality, Governing Law, and Dispute Resolution.

12. SEBI Regulatory Compliance and Client Rights

As a SEBI Registered Investment Advisor, we are bound by the following regulations and you have the following statutory rights:

12.1 Our Regulatory Obligations

•         We must conduct a suitability assessment before providing investment advice (Regulation 16)

•         We must maintain client records for a minimum of 5 years (Regulation 19)

•         We must disclose all conflicts of interest to clients in writing (Regulation 14)

•         We must not charge fees exceeding SEBI-prescribed limits for retail clients

•         We must maintain a separation between advisory and distribution activities

•         We are subject to periodic SEBI inspections and audits

12.2 Your Statutory Rights as an Advisory Client

•         Right to receive a written advisory agreement before engagement begins

•         Right to a written risk profile assessment and suitability report

•         Right to receive investment rationale in writing for each recommendation

•         Right to lodge complaints with SEBI's SCORES platform (scores.gov.in)

•         Right to access SEBI's ODR (Online Dispute Resolution) mechanism for disputes

•         Right to request copies of all advisory records maintained on your behalf

13. Dispute Resolution

13.1 Internal Resolution

In the event of any dispute, complaint, or concern arising from our services, please first contact our Grievance Officer:

•         Email: grievance@25wealthsecrets.com

•         Response time: 48 hours for acknowledgement, 30 days for resolution

•         We will attempt to resolve disputes amicably and in good faith

13.2 SEBI SCORES

If your complaint is not resolved to your satisfaction within 30 days, you may escalate it to SEBI's SCORES (SEBI Complaints Redress System) portal at www.scores.gov.in. SEBI SCORES is available to all registered investors for complaints against SEBI-regulated entities.

13.3 Online Dispute Resolution (ODR)

SEBI has mandated an Online Dispute Resolution mechanism for investor grievances. You may access this at www.smartodr.in for conciliation and arbitration of unresolved disputes.

13.4 Arbitration

For disputes not resolved through the above mechanisms, the parties agree to submit to binding arbitration under the Arbitration and Conciliation Act, 1996. The seat of arbitration shall be [City], India. The language of arbitration shall be English. The arbitral award shall be final and binding on both parties.

13.5 Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Subject to the arbitration clause above, the courts of [City], India shall have exclusive jurisdiction over any disputes arising from these Terms.

14. Amendments to These Terms

We reserve the right to modify these Terms of Service at any time to reflect changes in our services, applicable law, or regulatory requirements. When we make material changes, we will:

•         Update the "Effective Date" and "Last Updated" date at the top of this document

•         Post a prominent notice on our website homepage for a minimum of 30 days

•         Send an email notification to all registered users

Your continued use of our services after the effective date of any amendments constitutes your acceptance of the revised Terms. If you do not agree with the amended Terms, you must discontinue use of our platform and notify us in writing.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy, Advisory Agreement (where applicable), and any other documents expressly incorporated by reference, constitute the entire agreement between you and 25Wealth Secrets with respect to your use of our services, and supersede all prior agreements, representations, and understandings.

15.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed entirely. The remaining provisions shall continue in full force and effect.

15.3 Waiver

Our failure to enforce any provision of these Terms at any time shall not be construed as a waiver of our right to enforce that provision in the future. No waiver of any provision shall be effective unless made in writing and signed by an authorised representative of 25Wealth Secrets.

15.4 Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms due to causes beyond our reasonable control, including but not limited to: natural disasters, pandemic, government-imposed restrictions, regulatory interventions, power failures, cyberattacks, or market-wide system failures.

15.5 Assignment

You may not assign, transfer, or delegate any of your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms to a successor entity in the event of a merger, acquisition, or restructuring, with prior notice to you.

15.6 Language

These Terms are written in English. In the event of any conflict between an English version and any translated version of these Terms, the English version shall prevail.

16. Contact Information

For any questions, concerns, or requests related to these Terms of Service, please contact us:

25Wealth Secrets

•         Website: www.25wealthsecrets.com

•         General Enquiries: hello@25wealthsecrets.com

•         Advisory Services: advisory@25wealthsecrets.com

•         Grievance Officer: grievance@25wealthsecrets.com

•         Billing & Payments: billing@25wealthsecrets.com

•         Privacy Concerns: privacy@25wealthsecrets.com

•         Registered Address: [Full Registered Office Address], India

•         SEBI Registration: INA000XXXXXX

•         AMFI ARN: ARN-XXXXXX

•         Support Hours: Monday to Friday, 9:00 AM to 6:00 PM IST