⚠ Important: Please read these Terms carefully before using MFDTools.com. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
1. About MFDTools
MFDTools.com ("Service", "we", "us", "our") is operated by:
- DigiMutual Goals Pvt. Ltd. (the "Company")
- Local brand: Unique Securities
- Office: SCO-01, Near IndusInd Bank, Aastha Hospital Street, Chotala Road, Mandi Dabwali – 125104, District Sirsa, Haryana, India
- AMFI ARN-332982
- Email: [email protected] · WhatsApp: +91 95412 23377
2. Acceptance & Eligibility
By creating an account, purchasing a subscription, or otherwise using the Service, you:
- Confirm you are at least 18 years old and legally competent to enter contracts under Indian Contract Act, 1872
- Agree to provide accurate registration and brand information
- Are a financial advisor, MFD, CA, advocate, bank officer, insurance agent, or other professional with valid credentials in India
- Will use the Service in compliance with applicable Indian laws (AMFI, SEBI, IRDAI, ICAI, Bar Council, IT Act, etc.)
3. Description of Service
MFDTools.com provides a white-label calculator and document-generation suite for financial advisors. The Service includes:
- 22+ financial calculators (SIP, EMI, Tax, Capital Gains, NPS, etc.)
- Flagship tools: Wealth Journey, AI Goal Planner, Will Writing, Affidavit Generator
- Documents Hub: 11+ legal-document templates including KYC Update, Form 15G/H, RTI, Consumer Complaint, POA, Rental Agreement
- White-label branding with your firm name, logo, ARN, and contact
- Customer self-service portal
- PIN-protected client access
4. License Grant & Restrictions
Subject to your compliance with these Terms and payment of applicable fees, we grant you a non-exclusive, non-transferable, revocable license to:
- Use the Service for your own professional financial advisory business
- Host the generated white-label HTML file on your own domain
- Share your branded calculator URL with your clients
You may NOT:
- Resell, sublicense, or distribute the Service to third parties as your own product
- Reverse-engineer, decompile, or copy the underlying code
- Remove our copyright notices, integrity hashes, or branding from generated files
- Use the Service for illegal activities, money laundering, or fraudulent schemes
- Use the Service to make personalised investment recommendations that fall under SEBI RIA regulations unless you are a registered RIA
5. Customer Account & Responsibilities
5.1 Account Security
You are responsible for maintaining the confidentiality of your portal login credentials and the Access PIN you share with your clients. You agree to:
- Change your default password on first login
- Not share login credentials with unauthorised parties
- Notify us immediately at [email protected] if you suspect unauthorised access
- Change the Access PIN promptly if leaked or compromised
5.2 Accurate Information
You must provide accurate, current, and complete information including firm name, contact, credentials (ARN, COP, IRDAI etc). Misrepresentation may result in account termination.
6. Pricing, Payment & Renewal
- Free Tier: ₹0 — public calculator with MFDTools branding, no firm customisation
- MFD Pro Tier: ₹1,499/year (₹999/year first 100 customers — launch promo, lifetime-locked rate)
- Custom team licensing (multi-user, multi-branch): contact via WhatsApp for quotation
Prices are in Indian Rupees (INR) and exclude applicable taxes (currently nil for individual customers below GST threshold). Payment via UPI/NEFT/RTGS/WhatsApp Pay/manual bank transfer.
License auto-expires on the anniversary date unless renewed. We do not auto-charge — manual renewal required. Reminders sent 30/15/7 days before expiry via WhatsApp.
7. Refunds & Cancellation
See our separate Refund Policy for full details. Summary:
- 7-day full refund: If your branded suite has not been generated or used yet
- Pro-rata refund: After 7 days but before 60 days, refund of unused months minus a ₹500 setup fee
- No refund: After 60 days of use, or if the Service was used to violate these Terms
8. User Content & Branding
You retain ownership of your firm details, logo, content, and customer data you upload to the Service. By using the Service, you grant us a limited, non-exclusive license to host and display this content solely to provide the Service to you.
You represent and warrant that:
- You have all necessary rights to the logo, firm name, and credentials you provide
- Your content does not infringe any third-party trademark, copyright, or other rights
- You have legitimate ARN/credentials and have not misrepresented qualifications
9. Prohibited Uses
You agree NOT to use the Service to:
- Make personalised investment recommendations without proper SEBI RIA registration
- Misrepresent unrealistic returns (input caps are in place; bypassing them is prohibited)
- Generate documents to commit fraud, deceive clients, or violate regulatory requirements
- Send unsolicited bulk communications (spam) using the branded suite
- Reverse engineer, scrape, or systematically download our code or data
- Use automated bots or scripts to interact with the Service
- Circumvent the PIN gate, integrity hash, or other security measures
- Use the Service in any way that violates AMFI Code of Conduct, SEBI regulations, IRDAI guidelines, or applicable Indian law
10. Disclaimers — Not Investment Advice
IMPORTANT — READ CAREFULLY:
All calculations, projections, and reports generated by the Service are ILLUSTRATIVE ONLY based on inputs provided by the user or visitor. They are NOT:
- Personalised investment advice
- Guarantees of future returns or outcomes
- A substitute for professional financial, legal, or tax advice
- An offer to buy or sell any security
Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance does not indicate future returns. Insurance is the subject matter of solicitation.
Legal-document templates (Will, POA, Affidavit, RTI, Consumer Complaint, Rental Agreement, etc.) provided by the Service are templates only. They are not substitutes for legal advice. Consult a qualified advocate before execution. Stamp duty, registration, and witness requirements vary by state and must be independently verified.
11. Limitation of Liability
To the maximum extent permitted by law:
- The Service is provided "AS IS" without warranties of any kind, express or implied
- We do not warrant that the Service will be uninterrupted, error-free, or completely secure
- We are not liable for any indirect, incidental, special, consequential, or punitive damages including loss of profit, revenue, data, or goodwill
- Our total cumulative liability under these Terms shall not exceed the amount you paid us in the 12 months preceding the claim, or ₹10,000, whichever is greater
- We are NOT liable for any actions taken by your clients or visitors using your branded suite — including any losses or regulatory consequences arising from your or their interpretation of calculations
12. Intellectual Property
The Service, including all software, calculations, formulas, designs, copy, and underlying technology, is owned by the Company and is protected by Indian and international copyright, trademark, and other intellectual property laws.
You may not use our trademarks ("MFDTools", "MFDTools.com", our logo) for any purpose other than identifying the Service as the source of your branded suite.
13. Termination
We may terminate or suspend your account immediately, without prior notice, for:
- Material breach of these Terms
- Non-payment of renewal fees beyond the grace period
- Misuse of the Service (prohibited uses above)
- Court order or regulatory directive
Upon termination, your branded suite URL will be disabled, your data may be retained for legal/accounting purposes per the Privacy Policy, and no further fees are owed (refund as per Refund Policy).
14. Privacy & Data
Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your data in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act).
15. Changes to Terms
We may update these Terms from time to time. Material changes will be notified via email to your registered address at least 30 days in advance. Continued use after the effective date constitutes acceptance.
16. Governing Law & Disputes
These Terms are governed by the laws of India, without regard to conflict-of-law principles. Any dispute arising out of these Terms shall be resolved as follows:
- Step 1 — Direct resolution: Email [email protected] explaining the dispute. We will respond within 14 business days.
- Step 2 — Mediation: If not resolved, both parties agree to attempt mediation via a mutually-agreed mediator.
- Step 3 — Arbitration: If still unresolved, dispute shall be referred to a sole arbitrator under the Arbitration and Conciliation Act, 1996. Seat of arbitration: Sirsa, Haryana. Language: English.
- Step 4 — Courts: Subject to arbitration above, courts at Sirsa, Haryana shall have exclusive jurisdiction.
Indian Consumer Protection Act, 2019 rights are preserved — consumer complaints may be filed at the appropriate Consumer Forum.
For questions, complaints, or notices:
- Email: [email protected]
- WhatsApp / Phone: +91 95412 23377
- Postal address: DigiMutual Goals Pvt. Ltd., SCO-01, Near IndusInd Bank, Aastha Hospital Street, Chotala Road, Mandi Dabwali – 125104, District Sirsa, Haryana, India