Legal & Compliance
Please read carefully. By accessing our website or using any NovaRock Group service, you agree to be bound by these Terms. If you do not agree, you must not use our services. Questions? Email compliance@novarock.co.in.
Section 1
Welcome to NovaRock Group. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "Client," "you") and NovaRock Group and its subsidiaries — including NovaRock Advisory, NovaRock Technology, and NovaRock Financial (collectively "NovaRock," "we," "us," "our").
By accessing our website (novarock.co.in), using our services, or engaging with any of our companies, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.
Section 2
To use our services, you must:
For corporate clients, you represent and warrant that you have the authority to bind your organisation to these Terms.
Section 3
NovaRock Group provides the following services through its subsidiaries:
Services may be modified, suspended, or discontinued without prior notice. We reserve the right to refuse service to anyone for any lawful reason.
Section 4
To access certain services, you may be required to create an account. You agree to:
We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent, abusive, or illegal activities — with or without prior notice.
Section 5
All investments in securities, mutual funds, and financial products carry inherent risks including the potential loss of principal. Past performance does not guarantee future results. Market conditions, economic factors, and regulatory changes can materially affect investment outcomes.
We do not guarantee specific returns, profits, or outcomes. All investment recommendations are based on research, analysis, and professional judgment but remain subject to market uncertainties and risks beyond our control or foresight.
While we provide professional advice, you retain full responsibility for all investment decisions. You should evaluate our recommendations in the context of your personal financial situation, risk tolerance, tax position, and long-term objectives before acting.
Our financial advisory services comply with SEBI Investment Adviser Regulations, AMFI guidelines, and applicable Indian securities laws. Our US tax services comply with IRS regulations. Regulatory changes may affect service delivery or product availability, and we cannot be held liable for such changes.
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.
Section 6
Fees for our services vary based on service type, complexity, and engagement scope. All fees will be disclosed before service commencement through written proposals, engagement letters, or published fee schedules. No charges are applied without prior written agreement.
Clients agree to pay all fees and charges as specified in service agreements:
Refunds are subject to specific service agreements and are generally not provided for:
Refund requests must be submitted in writing to billing@novarock.co.in within 30 days of the disputed service delivery.
Section 7
All content on our website and platforms — including text, graphics, logos, images, software, designs, and trademarks — is owned by NovaRock Group or licensed to us. This content is protected by copyright, trademark, and other intellectual property laws of India and applicable international conventions.
We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use our website and services for personal or internal business purposes only. You may not:
By submitting content (feedback, testimonials, comments), you grant us a worldwide, royalty-free, perpetual licence to use, reproduce, modify, and display such content for business purposes. You warrant that you have the right to grant this licence.
Research and valuation calculators provided by NovaRock Technology are for informational use only. Output is not investment advice, and no ownership rights are transferred to you through use of these tools.
Section 8
You agree not to engage in any of the following:
Violations may result in immediate account suspension, service termination, reporting to relevant authorities, and civil or criminal legal action.
Section 9
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. We collect, use, and protect your personal information as described therein, in compliance with the IT Act 2000, DPDP Act 2023, and applicable SEBI/RBI data guidelines.
You consent to the collection and use of your information as necessary to provide our services, comply with legal and regulatory obligations, and improve our offerings. You may exercise your data rights at any time — see the Privacy Policy or GDPR Rights page.
Section 10
Services are provided "as is" and "as available" without warranties of any kind, express or implied. We do not guarantee uninterrupted, error-free, or fully secure service delivery. Scheduled maintenance, technical issues, or factors beyond our control may cause temporary unavailability.
We may integrate with or recommend third-party products, services, or platforms. We are not responsible for the availability, quality, performance, or privacy practices of third-party offerings. Your use of third-party services is governed solely by their terms and policies.
While we strive for accuracy, we do not warrant that information on our website or in our communications is complete, accurate, current, or error-free. Content is for informational purposes and should not be solely relied upon for financial, legal, or investment decisions.
Our services constitute professional advice based on available information and our analysis at a given point in time. We are not liable for outcomes resulting from market conditions, regulatory changes, client-provided errors, or factors outside our knowledge or control.
Section 11
To the maximum extent permitted by applicable law:
Some jurisdictions do not permit limitation of certain damages. In such cases, our liability is limited to the maximum extent permitted by the law of that jurisdiction.
Section 12
You agree to indemnify, defend, and hold harmless NovaRock Group, its subsidiaries, officers, directors, employees, advisors, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:
We reserve the right to assume exclusive defence and control of any matter subject to indemnification by you, at your expense. You agree to cooperate fully with our defence of such claims.
Section 13
You may terminate your account or service engagement at any time by providing written notice to compliance@novarock.co.in. Termination does not relieve you of payment obligations for services already rendered or fees already incurred.
We may suspend or terminate your access immediately without prior notice if:
Section 14
These Terms are governed by and construed in accordance with the laws of India. Any disputes not resolved through arbitration shall be subject to the exclusive jurisdiction of courts in Kurukshetra, Haryana, India.
Before initiating any formal proceedings, both parties agree to attempt good-faith negotiations for a minimum of 30 days. Contact our legal team at compliance@novarock.co.in to initiate informal resolution.
If informal resolution fails, disputes shall be resolved through binding arbitration under the Arbitration and Conciliation Act, 1996. Arbitration shall be conducted in Kurukshetra, Haryana, in English, before a single arbitrator appointed by mutual agreement or, failing agreement, by the relevant court.
You agree to resolve disputes individually. You expressly waive the right to participate in class actions, class arbitrations, or any representative proceedings against NovaRock Group.
Section 15
We reserve the right to modify these Terms at any time to reflect changes in our services, legal requirements, or business practices. Changes become effective upon posting to our website with an updated "Last Updated" date. Material changes will be communicated via email notification or a prominent notice on our website.
Your continued use of our services after changes become effective constitutes your acceptance of the modified Terms. If you disagree with any changes, you must discontinue use and may terminate your account.
Section 16
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent of the parties.
Section 17
These Terms, together with our Privacy Policy, Disclaimer, and any specific service agreements or engagement letters, constitute the entire agreement between you and NovaRock Group regarding the use of our services. They supersede all prior and contemporaneous agreements, communications, negotiations, and understandings, whether written or oral.
Section 18
For questions, concerns, or formal notices regarding these Terms:
NovaRock Group — Legal Department
Email: compliance@novarock.co.in
Phone: +91 94683 65162
Address: Kurukshetra, Haryana, India
Response Time: Within 7 business days for legal notices; 30 days for general queries
Section 19
By using our services, you confirm the following:
"I have read, understood, and agree to be bound by these Terms and Conditions. I acknowledge that these Terms constitute a legally binding agreement enforceable against me, and that I meet the eligibility requirements set out in Section 2."