TFSL Group – Terms & Conditions
1. Acceptance of Terms
1.1 By accessing or using the TFSL Group website and associated platforms (“Website”), you confirm that you have read, understood, and agreed to be bound by these Terms & Conditions (“Terms”).
1.2 These Terms govern your access to and use of the Website and all related services provided by TFSL Group.
1.3 This electronic record is generated in accordance with the provisions of the Information Technology Act, 2000, and applicable rules. By clicking “I Agree” or continuing to use the Website, you provide your electronic consent to these Terms.
1.4 Your continued use of the Website signifies acceptance of these Terms, along with our Privacy Policy and Legal Disclaimer, as updated from time to time.
1.5 If you do not agree with any part of these Terms, you must discontinue use of the Website.
2. Scope and Applicability
These Terms apply solely to the TFSL Group Website and its services. Third-party platforms, external links, or affiliated websites may have separate terms governing their usage.
3. Modifications to Terms
TFSL Group reserves the right to modify, update, or amend these Terms at any time. Updated Terms will be published on the Website, and continued use will constitute acceptance of such changes.
4. Authorization to Share Information
By using the Website, you authorize TFSL Group to:
Collect, process, and share your personal data with affiliates, subsidiaries, and authorized third-party service providers for service delivery, compliance, analytics, and marketing purposes.
Communicate with you via email, SMS, or phone regarding services, updates, and promotional offers, subject to applicable laws—even if registered under Do Not Disturb (DND) services.
You may withdraw your consent as per the Privacy Policy.
5. One ID for TFSL Services
You may create a unique login credential (“One ID”) to access multiple TFSL Group services through a single interface. While optional, this feature enables centralized account management.
Users are responsible for securely managing their login credentials and may reset them via the Website’s authentication process.
6. Money for Life Planner (Advisory Tool)
The “Money for Life Planner” is an indicative financial assessment tool and:
Provides general recommendations based on user inputs
Does not constitute financial, legal, or tax advice
Offers illustrative results without guarantees
Any decisions made based on this tool are at your sole discretion, and TFSL Group shall not be liable for any resulting outcomes.
7. General Financial Solutions
Any financial options or recommendations provided are indicative in nature and intended solely to assist decision-making. They are not mandatory or binding.
8. Account Security
You are responsible for maintaining the confidentiality of your login credentials. All activities conducted under your account shall be deemed your responsibility.
You must notify TFSL Group immediately in case of unauthorized access. TFSL Group shall not be liable for any loss arising from misuse of your account.
9. Intellectual Property Rights
All content on the Website, including text, graphics, logos, images, and software (“Content”), is protected under applicable intellectual property laws.
Unauthorized reproduction, distribution, or commercial use of any Content without prior written consent from TFSL Group is strictly prohibited.
10. Disclaimer of Warranties
The Website and its content are provided on an “as is” and “as available” basis. TFSL Group makes no warranties, express or implied, regarding:
Accuracy or completeness of information
Uninterrupted or error-free access
Fitness for a particular purpose
11. Limitation of Liability
TFSL Group shall not be liable for any direct, indirect, incidental, or consequential damages arising from:
Use or inability to use the Website
Technical issues, interruptions, or delays
Unauthorized access or data breaches beyond reasonable control
12. Use of Personal Information
All personal data is collected and processed in accordance with our Privacy Policy.
Your information may be shared with authorized third parties only for service delivery, transaction processing, or improvement of services.
13. Use in India
This Website is operated from India and is intended for users within India. Users accessing the Website from other jurisdictions are responsible for compliance with local laws.
14. Third-Party Links and Services
The Website may include links to third-party platforms. TFSL Group does not control or endorse their content, policies, or services and shall not be held responsible for them.
15. Virtual Platforms (One Verse)
“One Verse” is a virtual platform provided through third-party service providers. TFSL Group is not responsible for any technical issues, interruptions, or unauthorized activities experienced on such platforms.
16. User Obligations
You agree not to:
Use automated tools (bots, scrapers, etc.) to access the Website
Upload or share unlawful, harmful, or infringing content
Engage in activities that compromise Website security or functionality
You agree to indemnify TFSL Group against any claims, damages, or losses arising from misuse or violation of these Terms.
17. Cookies
The Website uses cookies to enhance user experience and functionality. By continuing to use the Website, you consent to the use of cookies as outlined in our Privacy Policy.
18. Service Modifications
TFSL Group reserves the right to modify, suspend, or discontinue any part of the Website or its services at any time without prior notice.
19. Force Majeure
TFSL Group shall not be held liable for any failure or delay in performance due to events beyond its reasonable control, including natural disasters, system failures, or regulatory actions.
20. Termination
TFSL Group reserves the right to suspend or terminate your access to the Website at its discretion.
Termination shall not affect any rights or obligations accrued prior to such termination.
21. Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts located in Mumbai, India.
22. Entire Agreement
These Terms, along with the Privacy Policy and Legal Disclaimer, constitute the entire agreement between you and TFSL Group regarding the use of the Website.