INDprivé Terms and Conditions

These Terms and Conditions ("T&Cs") govern participation in the INDprivé Program ("Program"), a limited-period, optional upgrade program offered, administered, and controlled exclusively by INDstocks Private Limited (formerly, INDmoney Private Limited), SEBI Registration No. INZ000305337, SEBI Depository Participant Registration No. IN-DP-690-2022, Depository Participant ID: CDSL 12095500, Trading and Clearing Member of NSE (90267, M70042) and BSE, BSE StarMF (6779), AMFI Registration No: ARN-254564, having its registered office at 616, 6th Floor, Suncity Success Tower, Sector 65, Gurugram, Haryana – 122005 (hereinafter referred to as the "Company").

These T&Cs shall be read in conjunction with, and shall be supplemental to, the INDmoney/INDstocks Platform Terms and Conditions, Privacy Policy, policies and procedures, account opening form(s), undertaking(s), tariff schedules, authorization(s), and any other documents governing the User's use of INDstocks securities trading services (collectively, the "Platform Documents"). Together, these documents constitute a legally binding agreement between you (the "User") and the Company for the purposes of participation in the Program. In the event of any conflict between these T&Cs and the Platform Documents, these T&Cs shall prevail to the extent of such conflict, as applicable to the Program.

By clicking "Accept", "Upgrade", "Continue", or otherwise proceeding to enroll in the Program, the User confirms that they have read, understood, and agree to be unconditionally and irrevocably bound by these T&Cs in their entirety.

Program Benefits
The Program offers eligible Users certain benefits ("Program Benefits"), which may include one or more of the following, as communicated at the time of enrollment or subsequently updated on the Platform: (a) preferential or discounted brokerage rate on delivery, intraday, and/or Futures & Options (F&O) trades executed through the INDmoney/INDstocks Platform, as communicated at the time of enrollment or as updated on the Platform from time to time; (b) preferential interest rate on funds availed under the Margin Trade Funding ("MTF") facility on the INDmoney/INDstocks Platform, as communicated at the time of enrollment or as updated on the Platform from time to time; (c) Access to curated regular Mutual Fund baskets made exclusively available to INDprivé Program members. Applicable distribution commissions, if any, shall be disclosed separately on the Platform in accordance with applicable regulations; (d) access to dedicated and/or priority customer support, subject to availability and the terms set out in Clause 8 below.
The Company makes no representation or warranty that all of the above benefits will be available at any given time. The Company reserves the right to modify, restrict, or withdraw any benefit at its sole discretion, subject to applicable law.
Program Validity and Availability
The Program is valid with effect from 24-Feb-2026 and shall remain available until withdrawn or modified by the Company. The Program is applicable only to selected eligible Users at the Company's sole discretion. Availability of the Program is not guaranteed to all Users and may vary across geographies, user segments, or platforms. The Company's decision regarding eligibility and availability shall be final and binding.
Eligibility
Users who have successfully completed the account opening process and maintain an active INDstocks Demat and Trading account in good standing with the Company shall be considered eligible to be offered enrollment in the Program. The Company reserves the right to determine eligibility at its sole discretion, including the right to restrict or revoke eligibility at any time without prior notice, in the event of: (a) account suspension or dormancy; (b) breach of any applicable terms and conditions; (c) regulatory action; or (d) any other reason the Company deems appropriate.
The Program is applicable exclusively through the Company's official website and/or mobile application. The Company shall not be responsible for any claims, losses, or disputes arising from the use of any third-party or unauthorized platform, application, or channel in connection with the Program.
Opt-In and Opt-Out Mechanism
1. User(s) may opt into the Program by following the instructions provided on the INDmoney mobile application, including by clicking "Accept", "Upgrade", or "Continue", as applicable. The Program Benefits will be available to User(s) from the date of successful enrollment until the User opts out, the Program is withdrawn, or the User's account is otherwise deactivated.
2. Upon opting into the Program, the User acknowledges and agrees that they shall only be permitted to invest in or transact in regular mutual funds through the Platform, governed by the Regular Mutual Fund Execution & Distribution Terms and Conditions ("Regular MF T&Cs"). The User's ability to invest through direct mutual fund plans may be discontinued upon enrollment in the Program, and the User expressly consents to the same.
3. Users may opt out of the Program at any time through the Platform. Upon opting out: (i) all Program Benefits shall immediately cease; (ii) the User acknowledges that re-enrollment may not be permitted; and (iii) the Company shall not be liable for any loss, cost, or consequence arising from the User's decision to opt out. Provided however, the User explicitly acknowledges that in the event if the User has initiated / transacted / invested in Regular Mutual Funds, the User shall not have the option to transact / invest in Direct Mutual Funds, irrespective of whether the User continues or discontinues to be enrolled in the Program.
4. The Company reserves the right to withdraw, suspend, or terminate a User's enrollment in the Program at any time, including due to regulatory requirements, account status, breach of T&Cs, or at the Company's sole discretion, without any obligation to provide reasons or compensation.
By opting into the Program, the User expressly acknowledges and agrees that:
1. The Program is a limited-period, promotional initiative and may be modified, paused, or withdrawn at any time, with or without notice, subject to applicable law.
2. The scope, structure, pricing, eligibility criteria, instruments covered, fair usage limits, and availability of any Program Benefit may be altered by the Company at its sole discretion, with or without prior notice, unless notice is specifically required by applicable law or regulations.
3. Continued availability of the Program or any specific benefit is not guaranteed. The User does not acquire any vested right, entitlement, or legitimate expectation in any pricing, discount, feature, or benefit solely by virtue of enrollment in the Program.
4. The Company's decision on all matters relating to the Program, including but not limited to benefit eligibility, pricing revisions, and program availability, shall be final and binding on the User.
Brokerage Discount / Special Brokerage (Where Offered)
1. Any brokerage discount or special/concessional brokerage offered under the Program is a promotional pricing benefit and remains subject to instrument-wise applicability, time windows, product eligibility, minimum activity thresholds, fair usage restrictions, and other internal policies of the Company, as updated from time to time.
2. Applicable taxes, statutory levies, duties, exchange transaction charges, GST, SEBI turnover charges, stamp duty, and any other statutory or regulatory charges shall continue to apply on all trades, irrespective of any brokerage concession offered under the Program.
3. The Company reserves the right to revise, suspend, or withdraw discounted brokerage at any time. Trades executed after such revision shall be charged at the revised or standard rate, as applicable. The Company shall bear no liability for any trades executed in anticipation of a particular brokerage rate.
4. Any examples, creatives, marketing communications, or illustrations relating to Program pricing are indicative only and do not constitute a legally binding commitment, representation, or warranty of any specific brokerage rate, pricing benefit, or feature availability.
5. "Curated baskets" are thematic or grouped collections of regular mutual fund schemes presented on the Platform for ease of discovery and investment. Such baskets are curated on the basis of internal research, themes, or categories and are presented as a convenience feature only. The presentation of any basket, label, classification, or grouping does not and shall not be construed as investment advice, a recommendation, solicitation, research report, portfolio management service, or any assurance of returns or performance. All investment decisions are solely the User's responsibility. Users are advised to read all relevant scheme documents and evaluate suitability independently and/or consult a qualified financial advisor before investing.
6. All mutual fund transactions executed through the Platform, including via curated baskets, shall remain subject to the applicable scheme documents, SEBI regulations, AMC/RTA/exchange processes, and the Regular MF T&Cs, including disclosures on regular plans, trail commissions, execution rails, and associated risks.
7. By enrolling in the Program, the User acknowledges and consents to receiving communications from the Company via in-app notifications, SMS, email, telephone calls, and/or WhatsApp (where permitted under applicable law), for the purposes of Program servicing, transaction updates, regulatory disclosures, and related communications. The User further consents to the processing, storage, and sharing of their personal data in accordance with the Platform's Privacy Policy and the Regular MF T&Cs, including sharing with exchanges, AMCs, RTAs, KRAs, CKYC registries, and other regulatory or statutory bodies as required under applicable law.
Dedicated / Priority Customer Support
1. "Dedicated" or "priority" support under the Program may include, but is not limited to, assignment of a relationship manager or support agent, or access to a priority service queue, subject to availability.
2. Support availability, working hours, response time commitments, and escalation channels may vary and are not guaranteed. The Company does not warrant any specific response or resolution timelines.
3. Customer support under the Program is limited to service-related assistance and general query resolution. It does not constitute portfolio advisory, investment advice, or any assurance of specific outcomes. The Company's support staff are not authorised to provide financial, tax, or legal advice.
Right to Modify, Suspend, or Withdraw the Program
The Company reserves the absolute right to modify, pause, suspend, or permanently withdraw the Program in whole or in part at its sole discretion and at any time, with or without prior notice, and without assigning any reason therefor, whether in respect of one or more Users. The Company may also withdraw or suspend the Program if required or directed to do so by any regulatory, statutory, or judicial authority. No compensation, refund, or liability shall accrue to the User in such event.
Limitation of Liability
To the fullest extent permitted by applicable law, the Company, its holding company, subsidiaries, affiliates, officers, directors, employees, agents, and representatives shall not be liable to the User or any third party for any loss, damage, cost, expense, or claim of any nature whether direct, indirect, incidental, consequential, special, punitive, or exemplary arising out of or in connection with: (a) the User's participation in or reliance on the Program; (b) any modification, suspension, or withdrawal of the Program or any benefit thereunder; (c) any failure of technology, systems, or platforms; (d) any regulatory action or change in applicable law; or (e) any other matter relating to the Program. The User's sole remedy, if any, shall be to opt out of the Program.
Grievance Redressal
Any grievance or dispute relating to the Program shall be addressed exclusively through the Company's internal grievance redressal mechanism, in accordance with the Company's Grievance Redressal Policy. Such grievances shall not be treated as investor grievances under the investor protection or grievance redressal frameworks of any stock exchange or securities market regulator. The Company's decision on all such grievances shall be final and binding on the User.
THE BSE/NSE IS NOT IN ANY MANNER ANSWERABLE, RESPONSIBLE, OR LIABLE TO ANY PERSON FOR ANY ACTS OF OMISSION OR COMMISSION, ERRORS, MISTAKES, AND/OR VIOLATIONS — ACTUAL OR PERCEIVED — BY THE COMPANY OR ITS PARTNERS, AGENTS, OR ASSOCIATES IN RELATION TO ANY APPLICABLE RULES, REGULATIONS, BYE-LAWS, THE SEBI ACT, OR ANY OTHER LAWS IN FORCE FROM TIME TO TIME. THE BSE/NSE IS NOT ANSWERABLE OR LIABLE FOR ANY INFORMATION ON THIS PLATFORM OR FOR ANY SERVICES RENDERED BY THE COMPANY, ITS EMPLOYEES, OR AGENTS.
INVESTMENT IN SECURITIES IS SUBJECT TO MARKET RISK. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RETURNS. PLEASE READ ALL SCHEME-RELATED DOCUMENTS, OFFER DOCUMENTS, AND RISK DISCLOSURES CAREFULLY BEFORE INVESTING. THE COMPANY DOES NOT GUARANTEE ANY RETURN ON INVESTMENT.
These T&Cs are subject to, and shall be read in conformity with, all guidelines, circulars, directions, and regulations issued by SEBI, AMFI, stock exchanges, depositories, and any other competent regulatory or statutory authority, as amended or re-enacted from time to time. In the event of any inconsistency between these T&Cs and any applicable law or regulation, the provisions of such law or regulation shall prevail, and these T&Cs shall be deemed modified to the extent necessary to ensure compliance.
The Program may not be available to all Users holding an INDstocks account, and may not be available in all geographical regions. The Company reserves the complete and absolute right to determine availability and eligibility of the Program for any User, and such determination shall be final and binding. In the event of any discrepancy, ambiguity, or dispute regarding the Program or these T&Cs, the interpretation and decision of the Company shall be final and binding. Neither the Company nor any third party shall bear any liability arising from such determination.
These T&Cs shall be governed by and construed in accordance with the laws of India. Any dispute, claim, or controversy arising out of or in connection with these T&Cs or the Program shall be subject to the exclusive jurisdiction of the courts at Gurugram, Haryana, India.
If any provision of these T&Cs is held to be invalid, unlawful, or unenforceable under applicable law, such provision shall be deemed modified to the minimum extent necessary to make it valid, lawful, and enforceable. If such modification is not possible, the relevant provision shall be deemed deleted. The validity and enforceability of the remaining provisions shall not be affected.
These T&Cs, read together with the Platform Documents, constitute the entire agreement between the User and the Company with respect to the Program, and supersede all prior representations, understandings, or agreements (whether oral or written) relating thereto. No modification to these T&Cs shall be binding unless made in writing and published on the Platform by the Company.