TFSL Group – Terms and Conditions
1. Acceptance of Terms
By accessing or using the TFSL Group website and associated platforms (“Website”), you confirm that you have read, understood, and agree to be bound by these Terms and Conditions (“Terms of Use”). These Terms govern your access to and use of the Website and its related services.
This electronic record is issued under the provisions of the Information Technology Act, 2000, and rules thereunder, as applicable and amended. By clicking “I Agree” or continuing to use the Website, you provide your electronic acceptance of these Terms.
Your continued use of the Website constitutes your consent to these Terms, the Privacy Policy, and the Legal Disclaimer, as updated from time to time.
If you do not agree with any of these Terms, please refrain from using the Website.
2. Scope and Applicability
Unless specified otherwise, these Terms apply only to the TFSL Group Website and facilities provided herein. External websites, affiliates, or third parties linked from the Website may have separate terms that govern your use of their platforms or services.
3. Changes to the Terms
TFSL Group reserves the right to update, modify, or amend these Terms at any time to reflect legal, regulatory, or operational changes. Updates will be published on the Website, and your continued usage of the Website will be deemed acceptance of such changes.
4. Authorization to Share Information
By using the Website, you authorize TFSL Group to:
Collect, process, and share your personal information with affiliates, subsidiaries, or third-party service providers for purposes including service delivery, compliance, analytics, and marketing.
Send communications via email, SMS, or phone regarding services, updates, promotional offers, and new products — even if your number is registered on a Do Not Disturb/Do Not Call Registry (subject to applicable laws).
You may withdraw consent in accordance with the Privacy Policy.
5. One ID for TFSL Services
You may create a unique ID (“One ID”) to access and manage multiple TFSL Group services through a single interface. While creating an ID is optional, without it you may not be able to view or manage all your TFSL accounts on one page.
Forgotten login credentials can be reset by following the Website’s authentication process.
6. Money for Life Planner (Advisory Tool)
The Money for Life Planner is an indicative financial assessment tool. It provides generic recommendations based on details such as income, family status, and lifestyle, but:
It does not constitute financial, legal, or tax advice.
Results are illustrative and not guaranteed.
Any investment decisions made using the Planner are solely your responsibility.
TFSL Group will not be held liable for any financial losses arising from reliance on the Planner.
7. General Financial Solutions
TFSL Group may provide indicative solutions or options aligned with your investment profile. These are not mandatory to follow and are meant only to assist decision-making.
8. Password Protection
You are responsible for maintaining the confidentiality of your username and password. Any activity conducted under your account will be deemed your responsibility.
You must promptly notify TFSL Group of any unauthorized use of your account. TFSL Group is not liable for losses resulting from misuse of login credentials.
9. Intellectual Property Rights
All materials on the Website, including text, graphics, videos, audio, and other content (“Materials”), are protected by copyright and intellectual property laws.
You are prohibited from reproducing, distributing, modifying, or using Materials for commercial purposes without TFSL Group’s prior written consent.
10. No Warranty
The Website and its contents are provided “as is.” While TFSL Group endeavors to provide accurate and reliable information, no warranties, express or implied, are made regarding:
Accuracy, completeness, or reliability of content.
Uninterrupted availability or error-free operation of the Website.
11. Limitation of Liability
TFSL Group shall not be liable for:
Any losses, damages, or expenses arising from use or inability to use the Website.
Interruptions, delays, viruses, or unauthorized access affecting Website operations.
12. Use of Personal Information
All personal data shared by you will be collected, stored, and processed in accordance with the Privacy Policy.
Your information may be shared with third-party service providers only for the purposes of fulfilling requests, processing transactions, or improving services.
13. Use of Website in India
This Website is operated from India and is intended for residents of India. Users accessing the Website from outside India are responsible for compliance with local laws.
14. Third-Party Websites and Services
The Website may contain links to third-party websites. TFSL Group does not endorse or control the content or services of these websites. You are solely responsible for evaluating their suitability.
15. One Verse (Virtual Platform)
“One Verse” is a virtual experience platform related to TFSL services, accessible via third-party providers. TFSL Group is not responsible for technical issues, downtime, or unauthorized activity experienced while using this platform.
16. User Obligations
You agree not to:
Use automated tools (e.g., bots, scrapers) to access the Website.
Post unlawful, harmful, or infringing content.
Use the Website for illegal activities or activities harmful to its integrity.
You indemnify TFSL Group, its affiliates, employees, and partners from any claims or damages arising from misuse of the Website or breach of these Terms.
17. Cookies
The Website uses cookies to enhance functionality and improve user experience. By continuing to use the Website, you consent to our use of cookies in line with the Privacy Policy.
18. Service Changes & Discontinuation
TFSL Group reserves the right to modify, suspend, or discontinue Website services at any time without prior notice or liability.
19. Force Majeure
TFSL Group shall not be held liable for delays or failures caused by circumstances beyond its control, including natural disasters, internet disruptions, or government actions.
20. Termination
Either you or TFSL Group may terminate this Agreement at any time by giving notice. Upon termination, your access to Website services will be revoked.
Termination does not affect obligations or liabilities accrued prior to termination.
21. Governing Law & Jurisdiction
These Terms shall be governed by the laws of India. All disputes shall fall under the exclusive jurisdiction of the courts in Mumbai, India.
22. Entire Agreement
These Terms, together with the Privacy Policy and Legal Disclaimer, constitute the complete agreement between you and TFSL Group regarding Website usage.