DISCLAIMER

Last modification date: 13th June, 2021

Unfinance (hereinafter referred to as Unfinance ) operates the website at https://www.unfinance.co (“Site”). By accessing the Unfinance Mobile Application (“App”) or any of its associate/group sites and social media pages, the Users (“you”/“your”) have read, understood and agree to be legally bound by the terms of the following Disclaimer. Your continued use of the App means that you accept any new or modified terms and conditions in this Disclaimer that M/s Unfinance (“Unfinance”/“we”/“our”/“us”) comes up with. Please re-visit the ‘Disclaimer’ link on the App from time to time to stay abreast of any changes that we may introduce.

1. Unfinance is not a SEBI registered or qualified investment advisor. Unfinance compiles data, content and information from various sources with due care and caution. However, the views, articles and recommendations provided on the App are not that of Unfinance, its directors, principals, agents, associates or employees.
2. The App is for informational, educational and discussion purposes only. Even though topics may be discussed on the App that involve investment issues, nothing on the App shall be deemed to constitute the practice of investment advice. Unfinance advises the users to check with duly registered and qualified advisors before taking any investment decision. If any user takes action or makes decisions based on the data, content and information provided on the App without prior consultation with a qualified, licensed professional, the user shall do so at their own risk and agrees that Unfinance shall have no financial liability whatsoever to any user on account of the use of the data, content, information and comments published on the App.
3. Neither Unfinance, its directors, principals, agents, associates nor employees, are licensed to provide investment advice. Unfinance does not represent or endorse the accuracy or reliability of any of the data, content, information or comments contained on, distributed through, linked, downloaded or accessed from the App (hereinafter referred to as the “Service”), nor the quality of any products, information or other materials displayed, purchased, or obtained by the user as a result of any other information or offer by or in connection with the Service. Unfinance expressly states that it has no financial liability whatsoever to any user on account of the use of any data, content, information or comments contained on, distributed through, linked, downloaded or accessed from the App.
4. The App may contain articles contributed by several individuals, possessing requisite qualifications and/or registration. The views are exclusively their own and do not necessarily represent the views of Unfinance, its directors, principals, agents, associates or employees.
5. Any linked sites are not under our control and we are not responsible for the contents of any external linked sites or any link contained in external linked sites, or any changes or updates to such sites. The App is providing these links to the users only as a convenience and the inclusion of any link does not imply endorsement by Unfinance of such linked site.
6. Unfinance, its directors, principals, agents, associates or employees take no responsibility for the veracity, validity and the correctness of the expert recommendations or other information or research published on the App. The data, content and information presented on the App has been gathered from various sources believed to be providing correct information. Although it is expected that experts, SEBI registered investment advisors, and SEBI registered intermediaries providing their views/recommendations will research thoroughly on information provided by them, there are no guarantees in accuracy of such information.
7. Unfinance, its directors, principals, agents, associates or employees are not responsible for errors, inaccuracies, if any, in the data, content, information and comments published on the App. Any prediction made on the direction of the stock market or on the direction of individual stocks may prove to be incorrect. Users are expected to refer to other investment resources to verify the accuracy of the data, content, information and comments published on the App on their own.
8. Unfinance encourages all users to use any data, content, information or comments on the App as a resource only to further their own research on all featured companies, stocks, mutual funds, sectors, markets and other such information presented on the App. Nothing published on the App should be considered as investment advice.
9. Users agree to not undertake actual stock trades, investments, financial transactions, trade in cryptocurrencies etc. based on the data, content, information or comments published on the App, nor on any techniques presented or discussed on the App or any other form of information presentation, without independently consulting with duly registered and qualified advisors. All data, content, information or comments published on the App is for educational and informational use only. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown. If the user chooses to engage in such transactions with or without seeking advice from a licensed and qualified financial advisor or entity, then such decision and any consequences flowing therefrom are his/her sole responsibility and not of Unfinance.
10. Users acknowledge that trading in cryptocurrencies involve a high degree of risk. Cryptocurrencies are subject to constant and frequent fluctuations in value and exchange rates. Users are solely responsible for determining the nature, suitability and appropriateness of the aforesaid risks. Users further agree and acknowledge that Unfinance does not  give any advice or recommendations pertaining to trading of cryptocurrencies, including the suitability, appropriateness and/or investment strategies of cryptocurrencies.
11. Users expressly acknowledge that cryptocurrencies may at any time be detrimentally impacted by regulatory actions and/or changes in regulations by the Government, statutory authorities, judicial bodies, etc.
12. Past Performance is not indicative of future returns. The data, content, information or comments published on the App is not a recommendation or solicitation to buy or sell any securities. It is based upon information that we consider reliable, but we do not represent that it is accurate or complete, and that it should be relied upon, as such. The users should not rely solely on the information in making any investment or undertaking any financial transaction. Rather, users should use it only as a starting point for doing additional independent research in order to allow themselves to form their own opinion regarding investments. The users understand and acknowledge that there is a very high degree of risk involved in trading securities. By using the App including any software and content contained therein, the users agree that use of the Service is entirely at their own risk.
13. The data, content, information or comments published on the App are not meant to be an endorsement or offering of any stock purchase. They are meant to be a guide only, which must be tempered by the investment experience and independent decision making process of he user. Unfinance is in no way liable for the use of the information by others in investing or trading in investment vehicles utilizing the App.
14. Users should consult a qualified broker or other financial advisor prior to making any actual investment or trading decisions. No materials on the App, which may have been uploaded either by Unfinance, SEBI registered intermediaries/experts, or any participant on the App, should be taken as investment advice [as defined under the SEBI (Investment Advisers) Regulations, 2013], directly, indirectly, implicitly, or in any manner whatsoever, including but not limited to trading of stocks on a short term or long term basis, or trading of any financial instruments whatsoever.
15. Unfinance is not responsible for any errors, omissions or representations on any of the App’s pages or on any links on the App. The information on the App is updated from time to time. The App however excludes any warranties (whether expressed or implied), as to the quality, accuracy, efficacy, completeness, performance, fitness or any of the contents of the App, including (but not limited) to any comments, feedback and advertisements contained within the App.
16. The App may contain advertising and other material submitted to us by third parties. Kindly note that those advertisers are responsible for ensuring that material submitted for inclusion on the App complies with all legal requirements. Although acceptance of advertisements on the App is subject to our terms and conditions, we do not accept liability in respect of any advertisements. Unfinance does not endorse in anyway any advertisers on its mobile application. Please verify the veracity of all information on your own before undertaking any alliance or transaction with such advertisers.
17. Unfinance makes no warranty that the App or its contents are free from infection by viruses or anything else which has contaminating or destructive properties and shall have no liability in respect thereof.
18. The App may operate message/bulletin boards, chat rooms, or other message or communication facilities intended to provide a private forum for users to exchange information and to discuss various investing techniques. None of the communications between the users and the SEBI registered intermediaries/experts should be regarded as “public appearance” [as defined under the SEBI (Research Analyst) Regulations, 2014]. The user agrees that, by accessing the App or any associated site or social media pages, Unfinance bears no liability for any postings on the App or any associated site or social media pages.
19. We reserve the right to deny our services to anyone
20. The user, and not Unfinance, assumes the entire cost and risk of any trading that the user chooses to undertake.
21. Unfinance hereby expressly disclaims any implied warranties imputed by the laws of any jurisdiction. Unfinance considers itself and intends to be subject to the jurisdiction only of the courts of New Delhi in India. If the user does not agree with any of the disclaimers herein, the user must refrain from accessing the App. This App is specifically for users in the territory of India. Although access to users outside India is not denied, Unfinance shall have no legal liabilities whatsoever in any laws of any jurisdiction other than India.
22. Unfinance reserves the right to make changes to the App and this Disclaimer at any time with or without prior notice. It is recommended that you review this Disclaimer periodically to ensure that you are aware of the latest policies.

If you have any questions or concerns, feel free to email Mr. Amit Singh, Grievance Officer at community@unfinance.co and we will attempt to address your concerns.
Last updated on: June 13, 2021