Terms & Conditions

Acceptance of Terms

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.

Eligibility

To use our services, you must:

• Be at least 18 years of age and possess the legal capacity to enter into binding contracts.
• Reside in India or be a Non-Resident Indian (NRI) with valid documentation.
• Provide accurate, current, and complete information during registration.
• Comply with all applicable laws and regulations in your jurisdiction.
• Not be prohibited from using our services under Indian law or any other applicable jurisdiction.

For corporate clients, you represent and warrant that you have the authority to bind your organisation to these Terms.

Services Offered

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.

User Accounts & Registration

To access certain services, you may be required to create an account. You agree to:

• Provide accurate and complete information during registration and keep it current.
• Maintain the security and confidentiality of your account credentials.
• Notify us immediately of any unauthorised access or security breach at security@novarock.co.in.
• Accept full responsibility for all activities conducted under your account.
• Not share your account credentials with third parties.

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.

Financial Advisory Disclosures

5.1 Investment Risks

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.

5.2 No Guaranteed Returns

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.

5.3 Independent Decision-Making

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.

5.4 Regulatory Compliance

Our mutual fund distribution and related services operate under the SEBI regulatory framework, AMFI guidelines, and applicable Indian securities laws. Our US tax services comply with IRS statutory regulations. Regulatory changes may affect service delivery or product availability, and we cannot be held liable for such changes.

Fees & Payment Terms

6.1 Fee Disclosure

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.

6.2 Payment Obligations

Clients agree to pay all fees and charges as specified in service agreements:

• Accepted payment methods: bank transfer, UPI, credit/debit cards, cheques.
• Payment schedules as per engagement terms — upfront, milestone-based, or monthly.
• Late payment penalties and interest charges as specified in service agreements.
• GST and all other applicable taxes are added to quoted fees.

6.3 Refund Policy

Refunds are subject to specific service agreements and are generally not provided for:

• Advisory services already rendered or advice already acted upon.
• Market performance outcomes or investment losses.
• Technology tools already delivered or accessed.
• Third-party fees paid on your behalf (capital provider charges, filing fees, etc.).

Refund requests must be submitted in writing to billing@novarock.co.in within 30 days of the disputed service delivery.

Intellectual Property Rights

7.1 Our Content

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.

7.2 Limited Licence

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:

• Reproduce, distribute, or create derivative works without our written permission.
• Use our trademarks, logos, or branding without prior authorisation.
• Reverse engineer, decompile, or disassemble our technology or tools.
• Remove copyright notices or proprietary markings from any content.
• Use automated tools to scrape, harvest, or systematically download our content.

7.3 User-Generated Content

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.

7.4 Calculators & Tools

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.

Prohibited Activities

You agree not to engage in any of the following:

• Violating applicable laws, regulations, or third-party rights.
• Providing false, misleading, or fraudulent information.
• Impersonating any person, entity, or organisation.
• Transmitting viruses, malware, or any harmful code.
• Interfering with or disrupting our services, servers, or networks.
• Attempting unauthorised access to our systems or data.
• Engaging in market manipulation, insider trading, or securities fraud.
• Using our services for money laundering or illegal financial activity.
• Harassing, threatening, or abusing our staff or other users.
• Systematically scraping or copying our website content.

Violations may result in immediate account suspension, service termination, reporting to relevant authorities, and civil or criminal legal action.

Privacy & Data Protection

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.

Disclaimers & Limitations

10.1 Service Availability

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.

10.2 Third-Party Services

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.

10.3 Information Accuracy

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.

10.4 Professional Advice

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.

Limitation of Liability

To the maximum extent permitted by applicable law:

• NovaRock Group's total liability for any claims arising from our services shall not exceed the fees paid by you in the 12 months preceding the claim.
• We are not liable for indirect, incidental, consequential, special, or punitive damages — including lost profits, lost data, or business interruption — even if we have been advised of the possibility of such damages.
• We are not responsible for losses resulting from market conditions, investment performance, or third-party actions outside our control.
• Technology tools are provided for informational use; we are not liable for decisions made based on calculator or analytics output.
• For corporate and capital advisory services, our liability is limited to our advisory role — primary liability for financing terms rests with the third-party lender, investor, or capital provider.

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.

Indemnification

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:

• Your violation of these Terms or any applicable law or regulation.
• Your use or misuse of our services or platform.
• False, misleading, or inaccurate information provided by you.
• Your infringement of any third-party intellectual property or other rights.
• Your negligent, reckless, or intentionally wrongful conduct.

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.

Termination

13.1 Termination by You

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.

13.2 Termination by NovaRock

We may suspend or terminate your access immediately without prior notice if:

• You breach these Terms or violate applicable laws.
• Your account shows suspicious, fraudulent, or abusive activity.
• You fail to pay fees or charges when due.
• We are required to do so by law or a regulatory authority.
• Continuing service poses material risk to us, other users, or third parties.

13.3 Effect of Termination

• Your access to all services ceases immediately on the termination date.
• Outstanding payment obligations remain fully enforceable.
• Provisions regarding confidentiality, indemnification, IP rights, and liability survive termination indefinitely.
• We may delete your account data subject to regulatory retention requirements.

Dispute Resolution & Governing Law

14.1 Governing Law

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.

14.2 Informal Resolution First

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.

14.3 Binding Arbitration

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.

14.4 Class Action Waiver

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.

Modifications to Terms

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.

Severability

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.

Entire Agreement

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.

Contact Information

For questions, concerns, or formal notices regarding these Terms:

Acknowledgment

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."