TERMS & CONDITIONS

  1. INTRODUCTION

    Welcome to ETF Junction.

    ETF Junction is a financial technology platform operated by Financial Basket Capital Pvt. Ltd. (“ETF Junction,” “Platform,” “we,” “us,” or “our”), based in India.

    These Terms and Conditions (“Terms”) govern your access to and use of www.etfjunction.com, our mobile website, mobile applications, media platforms, social media channels, and any other websites, applications, services, or platforms that are operated by, linked to, or otherwise connected with ETF Junction (collectively, the “Platform”).

    The Platform provides users with access to ETF-related information, analytical tools, educational resources, ETF baskets, portfolio-related features, and other technology-enabled services intended to help users conduct their own research and make informed decisions.

    ETF Junction does not provide personalized investment advice, recommendations, or investment solicitation. Information, research, data, tools, ETF baskets, portfolio information, Influencer content, performance information, and other materials available through the Platform are provided for informational and educational purposes unless expressly stated otherwise.

    ETF Junction does not directly execute, settle, or facilitate securities transactions. Where the Platform provides access to ETF baskets, portfolio information, or transaction-related services, users may be redirected to third-party service providers or platforms for execution.

    You are solely responsible for evaluating any investment opportunity and determining whether an investment is appropriate for your financial circumstances, investment objectives, risk tolerance, and suitability.

    ETF Junction shall not be responsible or liable for investment decisions, trading decisions, losses, or other consequences arising from your reliance on information or content available through the Platform.

    These Terms, together with our Privacy Policy, Disclaimer/Disclosure, Acceptable Use Policy, Influencer Policy, and any other policies, guidelines, or terms made available on the Platform, collectively govern your use of the Platform.

    By clicking “Accept,” creating an Account, accessing, browsing, or using the Platform, you acknowledge that you have read, understood, and agreed to these Terms and all applicable policies.

    If you do not agree with these Terms, you must not access or use the Platform.

  2. THE SERVICE

    2.1 ETF Baskets

    ETF baskets are portfolios consisting of multiple Exchange Traded Funds (“ETFs”) that may be organized according to a particular theme, asset class, market segment, strategy, or investment objective.

    ETF baskets available on ETF Junction may be curated by third-party specialists, including eligible financial professionals and Influencers. The availability of a basket on the Platform does not constitute an endorsement, recommendation, or assurance by ETF Junction regarding its suitability or expected performance.

    ETF baskets may be available for purchase or implementation through third-party service providers and are not purchased directly through ETF Junction, unless expressly stated otherwise.

    Where the Platform provides a link or other mechanism that redirects you to a third-party platform for execution, you acknowledge that you are leaving the ETF Junction Platform and accessing a separate service.

    Transactions, orders, execution, settlement, demat account services, and other investment activities are subject to the terms, policies, fees, and processes of the relevant third-party service provider.

    ETF Junction does not guarantee the accuracy, completeness, timeliness, availability, or performance of any ETF basket, ETF, portfolio, strategy, or related information displayed on the Platform.

    You are solely responsible for conducting your own research and assessing whether any ETF or ETF basket is suitable for you.

    2.2 Social Trading and Portfolio Features

    ETF Junction may provide social or portfolio-related features that allow users to view information relating to selected Influencers or other users.

    Depending on the features available to you, you may be able to:

    • View selected ETF holdings or portfolio allocations;
    • View portfolio performance information;
    • View selected transactions or portfolio updates;
    • Follow Influencers or other users;
    • Access Monetized Portfolios for a fee; or
    • Compare portfolio-related information with other users.

    These features are provided for informational purposes and do not constitute investment advice or a recommendation by ETF Junction.

    Following an Influencer or viewing another user's portfolio does not mean that ETF Junction recommends or endorses that user's investment strategy.

    You are solely responsible for deciding whether to follow, evaluate, or act upon information provided by another user or Influencer.

    ETF Junction does not automatically execute trades, rebalance your portfolio, or make investment decisions on your behalf through its social trading features.

    Where you decide to execute a transaction based on information viewed on ETF Junction, you may be redirected to a third-party service provider. Any resulting transaction is governed by the terms of that third party.

    Portfolio Viewing Fees

    Where applicable, an Influencer may charge a fee for access to a Monetized Portfolio.

    The applicable fee will be displayed on the Platform before payment. Such fees are paid for access to portfolio-related information and do not constitute an investment or guarantee of investment returns.

    Portfolio viewing fees are generally non-refundable except where required by applicable law or expressly stated otherwise.

    ETF Junction may retain a portion of applicable portfolio viewing fees as a Platform fee and may modify applicable fee structures from time to time.

    2.3 Investment Information and ETF Data

    The Platform may provide information relating to ETFs, including but not limited to:

    • ETF prices and performance;
    • NAV and iNAV information;
    • Expense ratios;
    • Holdings and portfolio composition;
    • Asset allocation;
    • Market capitalization;
    • Tracking information;
    • Historical performance;
    • Risk-related metrics;
    • Index information; and
    • Other market or fund-related data.

    Such information is provided for general informational and research purposes only.

    Market data and ETF information may be delayed, estimated, calculated, back-tested, simulated, or obtained from third-party data providers. ETF Junction does not guarantee that such information will always be accurate, complete, current, or error-free.

    Users should independently verify material information before making an investment decision.

    2.4 Mobile Carrier Charges

    You may incur mobile data, internet, wireless, or telecommunications charges when accessing the Platform.

    You are solely responsible for any such charges imposed by your mobile, internet, or telecommunications service provider.

    2.5 Taxes

    Unless otherwise stated, fees displayed on the Platform may be exclusive of applicable taxes.

    You are responsible for any taxes applicable to your use of the Platform or receipt of payments, including taxes applicable to Influencer earnings, where relevant.

    ETF Junction may deduct, collect, or report taxes where required by applicable law.

  3. CHANGES TO THE TERMS

    ETF Junction may update or modify these Terms from time to time to reflect changes in the Platform, applicable laws, regulations, services, or business practices.

    Updated Terms will be posted on the Platform and will become effective from the date specified in the updated version or, where no date is specified, upon posting.

    Your continued use of the Platform after updated Terms become effective constitutes your acceptance of the revised Terms.

    Where required by applicable law, ETF Junction may provide additional notice of material changes.

  4. ACCESSING THE PLATFORM AND ACCOUNT SECURITY

    ETF Junction may modify, suspend, restrict, withdraw, or discontinue the Platform or any part of its Services, features, content, or functionality at any time.

    We may also restrict access to certain features or areas of the Platform where necessary for security, regulatory, operational, or other legitimate reasons.

    Where registration is required, you agree to provide information that is accurate, complete, current, and truthful.

    You are responsible for maintaining the confidentiality of your username, password, OTPs, authentication credentials, and other Account information.

    Your Account is personal to you and must not be shared with another person.

    You must immediately notify ETF Junction if you become aware of:

    • Unauthorized access to your Account;
    • Loss or compromise of your login credentials;
    • Suspicious activity;
    • Unauthorized transactions or activity; or
    • Any other security incident relating to your Account.

    ETF Junction may suspend or disable an Account, username, password, or other security credential where we reasonably believe that it has been compromised, misused, or used in violation of these Terms or applicable law.

  5. ELIGIBILITY

    5.1 To use the Platform, you must:

    5.1.1 Be at least 18 years of age and legally competent to enter into a binding contract under applicable law.

    5.1.2 Complete any registration or verification process required by ETF Junction.

    5.1.3 Provide accurate, complete, current, and legally valid information.

    5.1.4 Agree to and comply with these Terms and all applicable Platform policies.

    5.1.5 Use the Platform only for lawful purposes.

    5.1.6 Comply with all applicable laws and regulations relating to your use of the Platform and any investment-related activity undertaken by you.

    5.1.7 Where you act on behalf of an organization, have the authority to bind that organization to these Terms.

    ETF Junction may refuse access, suspend Accounts, or modify eligibility requirements where permitted by applicable law.

    If you do not satisfy the applicable eligibility requirements, you must not access or use the Platform.

  6. PERSONAL DATA

    ETF Junction may collect and process information necessary to provide, maintain, secure, and improve the Platform and its Services.

    Such information may include your name, contact details, email address, Account information, payment information, financial information, device information, and other information described in our Privacy Policy.

    Your Personal Data will be collected, used, stored, and processed in accordance with our Privacy Policy and applicable law.

    By using the Platform, you acknowledge that you have reviewed the Privacy Policy and consent to the processing of your information as described therein, where consent is required.

  7. TERM AND ACCOUNT CLOSURE

    These Terms become effective when you first access or use the Platform and remain effective until your Account or access to the Platform is terminated.

    You may stop using the Platform at any time and may request deletion of your Account through the applicable Account settings or by contacting us.

    Upon Account deletion, your Account and associated content may be permanently deleted, subject to information that ETF Junction is required or permitted to retain under applicable law, regulatory requirements, security obligations, dispute resolution requirements, or legitimate business purposes.

  8. ACCOUNT REGISTRATION

    8.1

    Certain features may require you to create an Account.

    You are responsible for ensuring that information provided during registration remains accurate and up to date.

    ETF Junction may suspend or terminate an Account where registration information is materially inaccurate, misleading, incomplete, or fraudulent.

    8.2

    You must not:

    1. Impersonate another person, organization, financial professional, Influencer, or ETF Junction representative;
    2. Use another person's identifying information without authorization;
    3. Create an Account using misleading or deceptive information;
    4. Use usernames that are offensive, unlawful, misleading, or likely to create confusion regarding affiliation with ETF Junction; or
    5. Create multiple Accounts to manipulate rankings, portfolio views, fees, engagement, reviews, or other Platform metrics without our authorization.

  9. LICENSE TO USE THE PLATFORM

    Subject to your compliance with these Terms, ETF Junction grants you a limited, non-exclusive, non-transferable, revocable right to access and use the Platform for its intended purposes.

    This license does not grant you ownership of the Platform or any Platform Content.

    You must not remove, modify, obscure, or alter trademarks, logos, copyright notices, proprietary notices, or other intellectual property notices displayed on the Platform.

  10. INTELLECTUAL PROPERTY RIGHTS

    The Platform contains content and materials owned by or licensed to ETF Junction, including text, articles, research, graphics, videos, audio, software, designs, databases, data compilations, tools, reports, logos, and other digital materials (“Platform Content”).

    Except as expressly permitted under these Terms or applicable law, you must not:

    1. Copy, reproduce, republish, distribute, sell, license, or commercially exploit Platform Content;
    2. Modify, translate, adapt, or create derivative works from Platform Content;
    3. Reverse engineer, decompile, disassemble, or attempt to discover the source code or underlying technology of the Platform;
    4. Remove proprietary or copyright notices;
    5. Systematically extract, scrape, download, reproduce, or compile ETF data or Platform Content;
    6. Use automated tools, bots, crawlers, scripts, or similar technology to access or collect Platform Content without our prior written permission;
    7. Create competing databases, products, websites, applications, or services using Platform Content;
    8. Redistribute ETF Junction research, portfolio information, rankings, analytics, or other proprietary information without authorization; or
    9. Allow unauthorized third parties to access or use Platform Content.

    Nothing in these Terms prevents you from using information where such use is expressly permitted under applicable law.

  11. TRADEMARKS

    The names, logos, designs, product names, slogans, trademarks, service marks, and other brand elements associated with ETF Junction are owned by ETF Junction, its affiliates, or applicable licensors (“Marks”).

    You may not use the Marks for advertising, promotional, commercial, or other purposes without prior written permission.

    Your use of the Platform does not grant you any ownership or other rights in the Marks.

  12. FEEDBACK

    You may provide comments, suggestions, ideas, reports, recommendations, or other feedback regarding the Platform (“Feedback”).

    You agree that ETF Junction may use such Feedback to improve, develop, operate, market, or otherwise enhance its Platform and Services.

    To the extent permitted by applicable law, ETF Junction may use Feedback without payment or additional obligation to you.

  13. PROTECTION OF INTELLECTUAL PROPERTY

    13.1 General

    ETF Junction respects intellectual property rights and may take appropriate action against Accounts or content that infringe applicable intellectual property rights.

    If you believe that content available through the Platform infringes your copyright or other intellectual property rights, you may notify us using the contact details provided below.

    13.2 Copyright Infringement Notification

    A copyright infringement notification should include:

    (a) Identification of the copyrighted work claimed to have been infringed;

    (b) Identification and location of the allegedly infringing material, including the relevant URL where applicable;

    (c) Your contact information;

    (d) A statement that you have a good-faith belief that the disputed use is unauthorized;

    (e) A statement confirming that the information provided is accurate and that you are the copyright owner or authorized to act on the owner's behalf; and

    (f) Your physical or electronic signature.

    Copyright notices may be sent to:

    Email: TermsANDprivacy@etfjunction.com

    13.3 Counter-Notice

    If you believe content was removed or restricted incorrectly, you may contact us using the same contact information and provide relevant supporting information.

  14. GEOGRAPHIC RESTRICTIONS

    The Platform is primarily intended for use in India and by users who are legally permitted to access the Services under applicable Indian laws and regulations.

    ETF Junction does not represent that the Platform or its content is appropriate or legally available for use in every jurisdiction.

    If you access the Platform from outside India, you do so at your own initiative and are responsible for complying with applicable local laws.

    ETF Junction may restrict access to the Platform or specific Services where required by law or regulatory requirements.

  15. SOCIAL TRADING AND INFLUENCER CONTENT

    ETF Junction may provide features allowing users to view portfolios, strategies, transactions, performance information, or other content associated with Influencers.

    Influencer content represents the views, strategies, or information of the relevant Influencer and does not constitute investment advice from ETF Junction.

    ETF Junction does not guarantee the accuracy, suitability, completeness, or future performance of any Influencer portfolio or strategy.

    Users should not assume that:

    • An Influencer's past performance will continue;
    • A portfolio is suitable for their financial circumstances;
    • ETF Junction endorses an Influencer or their strategy; or
    • Following an Influencer will result in profits.

    ETF Junction does not execute trades, rebalance portfolios, or make investment decisions on behalf of users through its social trading features.

    Any trading or investment activity undertaken after viewing Influencer content is solely the user's responsibility.

  16. BACK-TESTING AND SIMULATED PERFORMANCE

    “Back-testing” refers to applying an investment model, strategy, or methodology to historical data to generate hypothetical results for a previous period.

    Back-tested and simulated results are hypothetical and do not represent actual trading performance.

    Such results may not account for factors including:

    • Transaction costs;
    • Taxes;
    • Liquidity;
    • Slippage;
    • Market impact;
    • Execution limitations;
    • Changes in market conditions; or
    • Other factors affecting actual investment outcomes.

    Back-tested results are generated using historical information and may benefit from hindsight.

    Accordingly, historical, simulated, or back-tested performance should not be interpreted as a guarantee, forecast, or indication of future performance.

  17. APPLE AND ANDROID DEVICES

    Where you access the Platform through an application distributed through the Apple App Store or Google Play Store, additional terms of the relevant App Distributor may apply.

    The license granted to you is limited to use of the applicable application on a compatible device and in accordance with the applicable App Distributor's rules.

    ETF Junction is responsible for the Platform and applicable maintenance and support obligations as specified in these Terms.

    The relevant App Distributor is not responsible for providing maintenance or support services for the Platform.

    You must comply with applicable third-party terms when using the Platform, including terms relating to telecommunications or data services.

    To the extent permitted by applicable law, the relevant App Distributor may be a third-party beneficiary of applicable provisions of these Terms.

  18. EXTERNAL SERVICE PURCHASES

    Certain Platform features or purchases may be processed through third-party payment or app-store services, including Apple or Google payment systems.

    Such transactions may be subject to the terms, conditions, fees, and policies of the relevant third-party service.

    If you initiate a chargeback or payment reversal, ETF Junction may restrict or suspend access to the relevant paid feature or your Account, subject to applicable law.

    Where a payment reversal is subsequently cancelled or reversed, you may contact ETF Junction using the contact information provided in these Terms.

  19. THIRD-PARTY SERVICES

    The Platform may contain links, integrations, or references to third-party websites and services, including partner platforms used for investment execution or related services.

    These third-party services may include platforms such as Smallcase, Interactive Brokers, or other providers, depending on the services available at the relevant time.

    ETF Junction does not control third-party websites or services and is not responsible for their:

    • Content;
    • Accuracy;
    • Availability;
    • Security;
    • Terms and conditions;
    • Privacy practices;
    • Fees;
    • Transactions;
    • Products or services; or
    • Investment or trading outcomes.

    A link or reference to a third-party service does not constitute an endorsement or recommendation by ETF Junction unless expressly stated.

    You access third-party services at your own risk and should review their applicable terms, privacy policies, and disclosures before using them.

  20. TERMINATION AND SUSPENSION

    ETF Junction may suspend, restrict, or terminate your Account or access to all or part of the Platform if:

    • You violate these Terms or applicable policies;
    • You provide false or misleading information;
    • You engage in fraudulent or abusive activity;
    • Your use creates security, legal, regulatory, or operational risks;
    • You misuse ETF Junction content or services; or
    • We are required to do so by applicable law or regulatory authorities.

    Where appropriate, we may provide notice before taking such action, but we may act without prior notice where necessary to protect the Platform, users, third parties, or comply with legal obligations.

    You may terminate your Account through the applicable Account settings or by contacting us.

    Upon termination, your rights to access and use the Platform will cease immediately, subject to any rights or obligations that survive termination.

    Fees already paid are non-refundable except where required by applicable law or expressly stated otherwise.

  21. RELEASE

    To the maximum extent permitted by applicable law, you release ETF Junction, its affiliates, directors, employees, service providers, and other relevant parties from claims arising from or relating to:

    • Your use or inability to use the Platform;
    • Your reliance on Platform Content;
    • Your investment or trading decisions;
    • Actions of third-party service providers;
    • Disputes between Platform users; or
    • Content, conduct, or representations made by other users or Influencers.

    ETF Junction operates as a technology intermediary and does not control investment decisions made by users or the actions of independent third parties.

    Nothing in this section excludes liability that cannot lawfully be excluded under applicable law.

  22. WARRANTY DISCLAIMER

    THE PLATFORM AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

    ETF Junction does not guarantee that:

    1. The Platform will always be available, uninterrupted, or secure;
    2. Platform Content will always be accurate, complete, current, or error-free;
    3. ETF prices, NAV, iNAV, performance data, holdings, or other market information will always be accurate or timely;
    4. Any defects or errors will be corrected;
    5. The Platform will be free from viruses or other harmful components;
    6. Any ETF, portfolio, strategy, or investment-related information will be suitable for you;
    7. Historical, simulated, or back-tested performance will reflect future results;
    8. Any third-party service will remain available or operate without interruption; or
    9. Your use of the Platform will result in any particular investment or financial outcome.

    ETF Junction does not provide warranties regarding investment performance, returns, profitability, or suitability.

    Nothing in these Terms excludes any warranty or statutory right that cannot legally be excluded.

  23. INDEMNIFICATION

    You agree to defend, indemnify, and hold harmless ETF Junction, its affiliates, directors, officers, employees, contractors, agents, suppliers, representatives, and service providers from claims, liabilities, losses, damages, penalties, costs, and reasonable legal expenses arising from or relating to:

    (a) Your access to or use or misuse of the Platform;

    (b) Your violation of these Terms or applicable laws;

    (c) Your violation of another person's privacy, intellectual property, or other rights;

    (d) Content or information submitted by you;

    (e) Fraudulent, unauthorized, or unlawful activity conducted through your Account; or

    (f) Your breach of any representation or obligation under these Terms.

    ETF Junction may assume control of the defense of any matter subject to indemnification, and you agree to reasonably cooperate with us in such defense.

  24. LIMITATION OF LIABILITY

    TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOUR USE OF THE PLATFORM IS AT YOUR OWN RISK.

    ETF Junction and its directors, officers, employees, contractors, agents, partners, suppliers, content providers, and service providers will not be liable for indirect, incidental, special, punitive, exemplary, or consequential losses arising from your use of or reliance upon the Platform.

    This includes, without limitation:

    1. Loss of profits, revenue, business opportunities, goodwill, data, or anticipated savings;
    2. Investment or trading losses;
    3. Losses arising from inaccurate, delayed, incomplete, or unavailable market data;
    4. Losses arising from third-party platforms or service providers;
    5. Losses arising from viruses, malware, technical failures, or security incidents;
    6. Disputes between users, Influencers, or third parties; or
    7. Losses arising from suspension, interruption, or termination of the Platform.

    To the extent liability cannot be excluded, ETF Junction's aggregate liability for direct damages arising from the applicable Services shall not exceed the fees actually paid by you to ETF Junction for those Services during the three (3) months immediately preceding the event giving rise to the claim.

    Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

  25. GOVERNING LAW AND DISPUTE RESOLUTION

    These Terms shall be governed by and interpreted in accordance with the laws of India.

    Subject to the arbitration provisions below, the courts located in New Delhi, India shall have jurisdiction over matters arising from or relating to these Terms.

    Dispute Resolution

    Before initiating formal proceedings, the Party raising a dispute (“Dispute”) shall provide written notice describing the nature of the dispute and the relief sought.

    The Parties shall attempt to resolve the Dispute through good-faith discussions within fifteen (15) days from receipt of the notice.

    If the Dispute is not resolved within that period, it shall be referred to arbitration by a sole arbitrator mutually appointed by the Parties.

    The seat and venue of arbitration shall be New Delhi, India.

    If the Parties cannot agree on a sole arbitrator, the arbitrator shall be appointed in accordance with applicable law.

    The arbitration proceedings shall be conducted in accordance with the applicable arbitration laws of India.

    The arbitral award shall be final and binding on the Parties, subject to rights available under applicable law.

  26. MISCELLANEOUS

    Entire Agreement

    These Terms, together with the policies and documents expressly incorporated into them, constitute the entire agreement between you and ETF Junction concerning your use of the Platform and supersede prior communications relating to the same subject matter.

    Severability

    If any provision of these Terms is held invalid or unenforceable, that provision shall be modified or limited to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

    Relationship of the Parties

    Nothing in these Terms creates a partnership, joint venture, agency, employment, fiduciary, or other similar relationship between you and ETF Junction.

    You do not have authority to bind ETF Junction unless expressly authorized in writing.

    Force Majeure

    ETF Junction shall not be responsible for delays or failures caused by circumstances beyond its reasonable control, including:

    • Technical or communications failures;
    • Internet or hosting failures;
    • Cyberattacks;
    • Denial-of-service attacks;
    • Third-party service failures;
    • Strikes;
    • Riots or civil disturbances;
    • Fire;
    • Natural disasters;
    • War or terrorism; or
    • Governmental or regulatory action.

    Assignment

    You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

    ETF Junction may assign or transfer its rights and obligations where permitted by applicable law.

    Notices

    Notices to ETF Junction should be sent in writing to:

    Email: TermsANDprivacy@etfjunction.com

    Notices to you may be sent to the email address or other contact information associated with your Account.

    No Waiver

    Failure by ETF Junction to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it in the future.

    Interpretation

    Headings are included for convenience only and do not affect the interpretation of these Terms.

  27. CONTACT

    If you have questions, concerns, complaints, or requests regarding these Terms or the Platform, you may contact ETF Junction through the Platform or at:

    Financial Basket Capital Private Limited
    A-59, 1st Floor
    Arjun Nagar, Kotla Mubarakpur
    New Delhi – 110003
    India
    Email: TermsANDprivacy@etfjunction.com