Terms of Use

1. Introduction

   These Terms of Use (“Terms”) constitute a binding agreement between you (“User”, “Client”, “you”) and One Accesss FinGlobe Pvt Ltd (“1accesss”, “Company”, “we”, “us”, or “our”), regarding your access and use of our website, mobile site, digital application, and all associated technology platforms (“Platform”).

   By accessing or using our Platform, you acknowledge and agree that you have read, understood, and accept these Terms, along with our Privacy Policy, AML/CFT Policy, regulatory disclosures, and compliance obligations under SEBI, AMFI, RBI, MMTC-PAMP, FATCA/CRS, the Digital Personal Data Protection Act (DPDP Act), IT Act 2000, and other applicable regulations.

   If you do not agree with these Terms, you must discontinue use of the Platform immediately.

2. Definitions

   • “Platform” refers to the 1accesss website, mobile applications, web portals, APIs, dashboards, communication systems, and all digital interfaces.
   • “User” / “Client” means any individual accessing or using the Platform, including NRIs, OCIs, PIOs, and Resident Indians.
   • “Services” include:
     • Mutual fund distribution (as an AMFI ARN holder)
     • Bond and fixed-income product distribution
     • Digital and physical gold/silver via MMTC-PAMP
     • Loan assistance through regulated partners
     • KYC/CKYC verification and onboarding
     • Portfolio reporting and investment facilitation
     • Customer support and advisory enablement
   • “Content” includes text, data, reports, graphs, images, software, algorithms, analytics, and all materials provided through the Platform.

3. Eligibility

   You must meet the following conditions to use our Platform:

   • Be at least 18 years old.
   • Have legal capacity to enter into a binding agreement.
   • Comply with applicable laws, including SEBI, AMFI, RBI, FEMA, MMTC-PAMP guidelines, and your local jurisdiction’s rules.
   • Not be restricted by law (e.g., AML watchlists, sanction lists).

   NRIs/OCIs/PIOs must comply with:

   • FEMA & RBI NRI investment rules
   • Tax residency documentation requirements
   • FATCA/CRS reporting obligations

4. Account Registration & User Responsibilities

   You may be required to create an account and complete KYC/CKYC verification before accessing certain services. You agree to:

   • Provide accurate and truthful information.
   • Maintain confidentiality of your account credentials.
   • Update your information promptly if it changes.
   • Notify us immediately of unauthorized account access.

   We reserve the right to:

   • Reject any application or request for services
   • Seek additional documentation
   • Restrict or suspend accounts as per regulatory requirements

5. Regulatory & Compliance Requirements

   By using our Platform, you agree to comply with:

   • SEBI KYC/CKYC/KRA regulations
   • AML/CFT and PMLA obligations
   • FATCA/CRS reporting requirements
   • RBI, AMFI, MMTC-PAMP rules and circulars
   • Digital Personal Data Protection Act (DPDP Act)
   • IT Act 2000 and SPDI Rules

   You permit sharing of data with AMCs, RTAs (CAMS/KFin), MMTC-PAMP, banks, payment gateways, regulated lenders, and other entities as required by law.

6. Privacy & Data Protection

   Our Privacy Policy governs the collection, processing, storage, and sharing of your personal data. By using the Platform, you consent to all lawful data-processing activities required for service delivery, regulatory compliance, onboarding, fraud detection, and security operations.

   We comply with:

   • DPDP Act 2023
   • IT Act 2000 & SPDI Rules
   • CERT-In cybersecurity requirements
   • GDPR (where applicable)

7. Acceptable Use

   While using the Platform, you agree NOT to:

   • Engage in fraud, impersonation, or unlawful activity
   • Upload viruses, bots, or harmful code
   • Reverse-engineer or decompile Platform technology
   • Violate third-party rights or financial regulations
   • Interfere with Platform security or operations

8. Financial & Investment Disclaimers

   1accesss is a distributor, not the manufacturer of financial products.

   • No Investment Advice: Unless explicitly stated, we do not provide investment advice or act as a fiduciary.
   • Market Risks: All financial products carry market risks. Past performance does not guarantee future results.
   • Digital Gold: MMTC-PAMP is solely responsible for purity, storage, insurance, and settlement. 1accesss acts only as a facilitator.
   • Third-Party Dependence: Delays or issues from AMCs, RTAs, banks, payment gateways, or MMTC-PAMP are beyond our control.

9. Intellectual Property Rights

   All content, technology, software, trademarks, and proprietary materials on the Platform belong to 1accesss or its licensors. Unauthorized reproduction, modification, or redistribution is prohibited.

10. Third-Party Links & Integrations

    The Platform may include links or integrations with external entities (AMCs, RTAs, MMTC-PAMP, banks, lenders, analytics providers). We are not responsible for the content, policies, or security practices of such third-party services.

11. Suspension, Restriction & Termination

    We may suspend or terminate access if required by law or if:

    • You violate these Terms
    • Suspicious or fraudulent activity is detected
    • You fail to meet KYC/FATCA/CRS requirements
    • Regulators mandate account action

    We may preserve information for audits, regulatory investigations, and legal compliance.

12. Limitation of Liability

    To the fullest extent permitted by law, 1accesss is not liable for indirect, incidental, punitive, or consequential damages, including loss of profits, data, goodwill, or business interruption.

    We do not guarantee uninterrupted or error-free access to the Platform and are not responsible for external failures caused by AMCs, RTAs, banks, MMTC-PAMP, or network/service providers.

13. Indemnification

    You agree to indemnify and hold harmless 1accesss, its directors, officers, employees, partners, and affiliates against any claims, damages, losses, penalties, or expenses arising out of:

    • Your misuse of the Platform
    • Your breach of these Terms
    • Your violation of applicable laws (SEBI, RBI, AMFI, FATCA/CRS, PMLA, DPDP Act, etc.)

14. Governing Law, Dispute Resolution & Jurisdiction

    These Terms are governed by the laws of India.

    Arbitration:

    • Disputes will be resolved under the Arbitration & Conciliation Act, 1996
    • Seat and venue of arbitration: Mumbai, India
    • Language: English

    Nothing restricts SEBI, RBI, AMFI, FIU-IND, ED, Income Tax authorities, or any competent regulator from exercising jurisdiction as per law.

15. Changes to Terms

    We may modify or update these Terms to comply with new laws, regulatory changes, or business needs. Updated versions will be published on our Platform. Continued use after updates constitutes acceptance.

16. Contact & Grievance Redressal

    If you have questions regarding these Terms or wish to raise a grievance, contact:

    Grievance & Data Protection Officer
    One Accesss FinGlobe Pvt Ltd
    NESCO IT Park, Building No 4, North Wing, 10th Floor,
    W.E. Highway, Goregaon (E), Mumbai - 400063
    Email: info@1accesss.com
    Phone: +91-9819033112

    As per the DPDP Act, grievances will be resolved within 30 days.