Kashly Terms and Conditions

1. Using Our Services

• You may make use of our Services through our online web portal, mobile app; other online mechanisms and through interaction with our relationship managers.
• Kashly complies with all regulations and compliances as per Indian law. If you are accessing our Services from any jurisdiction outside India, the onus of compliance with the local laws lies on you.
• Some of the Services, provided by us or our Service Partners, may have restrictions on use depending on criteria such as, but not limited to, your place of residence, nationality, age, wealth, source of income/wealth etc. You agree to provide accurate information for us and our Service Partners to comply with such restrictions.
• If you have provided us with your contact details, such as email or phone number, we may send you announcements, messages or information on our Services and how to use them. You may opt out of some of these messages unless they are necessary for the delivery of Services; for compliance with regulations; or, for information security, for e.g., password change alerts cannot be opted out of.
• You agree that in the event the Services rendered by Kashly under this Agreement are availed by multiple persons, then, Client 1 will be designated as the primary contact and appointed as the single point of contact by the signatories of this Agreement. The primary contact shall communicate with Kashly with respect to this Agreement and any other matters pertaining to the Client’s accounts. Any change in the designated primary contact shall forthwith be communicated to Kashly, in writing. In case of a legal entity, the primary contact shall be the person duly authorised by the legal entity to sign this agreement.
• Your clicking on the “I accept” checkbox is the legal equivalent of your signing this Agreement and accepting the terms thereof. Utilisation of certain Services shall require your additional consent which shall be recorded as and when you choose to utilise such Services. Any additional details or information regarding provision of any Services, as required by Applicable Law, shall be displayed to you prior to your utilisation of any such services.
• Please don’t misuse, disrupt, interrupt, destroy or limit the functionality of our Services; or try to access them using a method other than the interface and the instructions that we provide. If you do so, we may stop providing our Services to you and pursue legal action against you.

2. Identity & Authentication

Kashly will establish your identity on its online Services by means of a phone number or email and will authenticate it by either a password selected by you, or a onetime password (OTP) sent to your email or mobile phone, or third party authentication services provided by third parties such as Google and Facebook, or biometric identification enabled by your device. Any instructions provided to, or communication with, Kashly or its Service Partners which are so authenticated will be considered to have originated from you.

3. Choice of Mutual fund Distribution services

All clients of Capsquare technologies private limited, availing mutual fund distribution services will be authorized to use Kashly application.

• You may need to meet certain threshold requirements, as described in the description of Services, to be a client. Kashly reserves the right to add certain stipulations for offering services for the choice made by you and these will be added in relevant annexures.
• You will be able to use Kashly platform and other services offered by the platform until you use the distribution service offered. The choice of your subscription shall define the range & scope of Services which shall be made available to you in accordance with applicable laws.

4. Third Party Service Partners

For the provision of Services, Kashly may utilise third party service partners (“Service Partners”) other than Kashly. The use and operation of any integrated services from our Service Partners such as investment advisory, portfolio management, investing, borrowing, insurance, data aggregation, etc. will be additionally governed by the relevant service terms and contracts of the respective Service Partners. Kashly shall not be liable for any penalties, loss or damage which is incurred by You due to the negligence or actions of any Service Partner of Kashly and not caused by any action of Kashly.

5. Provision of Services

You acknowledge and agree that, for the provision of Services under this Agreement:

• Kashly shall carry out all activities that are required to fulfil its regulatory obligations for the provision of Services under this Agreement.
• Your access to our Services is associated with a username and password (together “Login Credentials”) and Kashly will consider the instructions placed with the use of your Login Credentials to have originated from You. You are solely responsible for the security of your Login Credentials. Kashly shall not be held liable for carrying out any instructions placed from your account utilising your Login Credentials which may be unauthorized due to any reason including an information leak or security breach on your part..
• Kashly may utilise third party vendors (“Vendors”) for support in provision of Services.
• Kashly, or its Vendors, may
  • contact you on issues relating to provision of Services;
  • communicate with its Service Partners or Manufacturers and their authorized service providers on your behalf for financial or non-financial transactions; and
  • record all your interactions with them including phone calls, chats, conversations and emails, with its employees for legal compliance, security, employee training, and other lawful purposes.
• Any sort of graphical representations, recommendations, feedback and reviews, provided on the investment platform, are in no way a guarantee for the performance of the securities, mutual funds and other financial products.
• Other than as expressly set out in this Agreement, neither Kashly nor any of its Service Partners, as the case may be, make any specific promises about the Services provided. The Services are provided ‘as is’.
• Your bank may charge you a fee for facilitating transactions, or for failing to maintain sufficient balance to make an investment from your bank account. Kashly does not levy nor does it receive those charges.

6. Grievance Redressal & Communication

Kashly provides multiple channels for you to request for support or to communicate any grievances you may have:

• By sending an email to [email protected]
• By phone on +91 9562050863.