Terms of Use

Last Updated on: 15/11/2025


1. Description of Our Services

RiaFin provides tools and features that help financial consumers discover, evaluate, and connect with fiduciary financial advisors and planners. Our Services (“Services”) include educational resources, advisor profiles, a matching questionnaire, inquiry tools, and communication channels that help you understand your financial needs and identify advisors who may be suitable. RiaFin does not provide financial advice, investment recommendations, tax advice, legal advice, or any regulated advisory service.

Our Services are delivered through the RiaFin website, the Dashboard (where available), our marketing partners, and through communications that relate to your use of the platform. These Services may include access to educational content, the advisor directory, advisor matching suggestions, questionnaires, user accounts, notifications, and other features designed to help you connect with advisors. All advisory services, consultations, recommendations, and professional advice are provided solely by financial advisors and planners, not by RiaFin.

2. Financial Advisor/Planner Matching

RiaFin operates as a directory and matching platform. We provide educational materials, advisor listings, and a matching questionnaire that helps identify your goals, preferences, and financial characteristics. Based on the information you provide, RiaFin may recommend or display advisors who appear relevant to your needs. These recommendations do not constitute financial advice. RiaFin does not evaluate, verify, or guarantee the quality, suitability, or regulatory standing of any advisor beyond what is self-reported or publicly available.

You may receive outreach or communication from advisors listed on RiaFin. All such advisors are independent corporates and professionals—not employees, representatives, or agents of RiaFin. Speaking with an advisor is optional. If you choose to proceed with an introductory conversation, that interaction occurs directly between you and the advisor, using the information you voluntarily shared through RiaFin.

If you decide to formally work with an advisor, you become a “Client” of that advisor—not of RiaFin. Your advisory relationship is governed entirely by the advisor’s own terms, fees, disclosures, regulatory requirements, privacy policies, and contractual obligations. RiaFin is not a party to, and does not supervise or influence, any advice, recommendations, or services provided by advisors.

By using the matching questionnaire or submitting any enquiry, you acknowledge and agree that the information you provide—such as your financial goals, preferences, demographics, and other questionnaire responses—may be shared with multiple advisors on the RiaFin platform. This includes advisors who are matched to you as well as advisors who may not be part of your initial match. Advisors may also purchase access to your submitted information as a “lead,” allowing them to contact you directly. Once an advisor receives or purchases your information, they become solely responsible for handling, storing, and using that information in accordance with applicable laws and their own privacy practices. RiaFin does not supervise or control how advisors use your information.

3. About RiaFin

RiaFin (“RiaFin”, “we”, “us” or “our”) connects financial consumers with licensed fiduciary financial advisors and planners through our online directory, matching tools, and educational platform. Our Site and Dashboard, where available, may provide tools to help you understand your financial picture from one secure place.

RiaFin is a division of M/s Mittaltiger Enterprises, a sole proprietorship firm having GST No: 29AIJPM0565B1ZD, established May 6, 2019, and headquartered in Bengaluru, Karnataka, India. All operations of RiaFin are conducted remotely.

4. Agreement and Acceptance of Terms

This Terms of Use Agreement, together with all exhibits, disclosures, addendums, amendments, and any additional terms incorporated from time to time (collectively, the “Agreement”), constitutes a legally binding contract between you and RiaFin governing your access to and use of the Site, Dashboard and all Services. In this Agreement, “users” refers to all individuals who access or use any part of the Services.

Some of our Services include educational content, advisor listings, and advisor matching features, as described in Section 1 and Section 2. RiaFin does not provide any financial advice, investment management, portfolio management, tax advice, legal advice, or any other regulated advisory service.

Your use of the Site, Dashboard and Services is also subject to our Privacy Policy, which explains how your data is collected, used, shared, and protected. Terms used but not defined here have the meanings given to them in the Privacy Policy.

PLEASE READ THIS AGREEMENT AND OUR PRIVACY POLICY CAREFULLY. THIS AGREEMENT REQUIRES THAT MOST DISPUTES BE RESOLVED BY BINDING ARBITRATION, AS DESCRIBED IN SECTION 21.

By accessing or using the Site, Dashboard or any Service, you acknowledge and agree to be bound by this Agreement and the Privacy Policy. If you do not agree, you may not use the Site, Dashboard or any Service. You further agree that:

  • You are legally capable of entering into binding contracts, and this Agreement has the same legal effect as a signed written contract. You may not use the Site, Dashboard or Services if you do not accept these terms.
  • RiaFin is not responsible for any financial advice, products, recommendations, services, or communications offered by third-party financial advisors or other external parties. RiaFin does not retrieve account data from financial institutions and does not guarantee the accuracy, completeness, or timeliness of any information provided through the Site and Dashboard. You should consult a qualified financial advisor before making any investment decisions or significant financial moves.
  • We may update, modify, or replace this Agreement or our Privacy Policy at any time. Such changes will be posted on the website and become effective upon posting. We may also modify, suspend, or discontinue any portion of the Services at any time with or without notice, and we are not liable for any resulting impact.
  • The Services are intended only for individuals who have reached the legal age of majority in their jurisdiction (which is typically 18 years of age). You may not use the Site, Dashboard or Services if you are under the legal age of majority where you reside.

5. Site, Dashboard and Services – Disclaimers

By using the Services, you acknowledge that any educational content, financial information, or general insights provided by RiaFin are for informational purposes only and cannot guarantee investment outcomes or financial performance. All investments carry risk, including the potential loss of principal. You should consult directly with a qualified financial advisor before making investment decisions or significant changes to your financial strategy.

RiaFin does not provide wealth management, portfolio management, financial planning, investment advice, or any form of regulated financial advisory service. Any advisory, planning, portfolio management, or investment-related service you receive is provided entirely by the financial advisor you choose to engage. Financial advisors and planners in the RiaFin network operate independently and may be registered or certified with regulatory or professional bodies such as SEBI, FPSB, IRDA, AMFI, or others, as required by law.

If you decide to become a Client of an advisor, you agree that your advisory relationship—including all services, fees, recommendations, disclosures, obligations, and responsibilities—will be governed solely by the advisor’s own agreements and regulatory documents. RiaFin is not a party to any advisory agreement, and we do not supervise, endorse, monitor, or assume responsibility for any advice, actions, services, or outcomes provided by advisors.

6. Acting As Your Authorized Agent

RiaFin does not access, retrieve, or aggregate any financial account information from banks, brokers, insurers, or other financial institutions. RiaFin does not act as your agent, attorney-in-fact, or authorized representative for any purpose related to financial data, account access, or information retrieval. You are solely responsible for managing and accessing your financial accounts and for providing any information you choose to share with RiaFin or advisors listed on the platform.

Any information you submit through the RiaFin platform—including responses to the matching questionnaire, preferences, financial background details, and related input—is used solely for the purpose of generating advisor matches and improving the Services. This information may be shared with matched advisors, unmatched advisors, third-party service providers, affiliates, marketing partners, and others as described in the Privacy Policy and Section 7. However, RiaFin does not and will not access your financial accounts or act on your behalf in connection with any financial institution.

You acknowledge and agree that RiaFin is a neutral platform connecting consumers with financial advisors, and that RiaFin has no authority to make decisions, provide instructions, or take action on your behalf with any financial institution, advisor, or third-party service provider. All advisory, investment, planning, and financial decisions remain solely between you and any advisor with whom you choose to engage.

7. Your Registration Information

To use the Dashboard or access any portion of the Services, you must first create a RiaFin user account (“Account”) by filling our advisor matching questionnaire. During registration, and when completing the matching questionnaire or any other onboarding process, you must provide accurate and complete personal information as described in our Privacy Policy.

This information may include details such as your name, contact information, financial background, investment preferences, service requirements, and any additional information you voluntarily share to enable advisor matching. You agree that any information you provide is true, current, and not misleading, and that you will promptly update your information whenever necessary to maintain its accuracy.

By submitting registration information or questionnaire responses, you acknowledge and authorize RiaFin to share this data with matched financial advisors, unmatched advisors in our network, marketing partners, affiliates, and third-party service providers who support the functioning, improvement, or delivery of the Services. Advisors may also purchase your submitted information as a lead, and by registering you consent to such data-sharing as described in our Privacy Policy.

8. Your Electronic Disclosure Consent

By providing your email address and/or mobile number while enrolling for or using our Services, you consent to receive all notices, disclosures, service-related updates, and information regarding our Services and other offerings electronically. Electronic communications may be delivered through email, SMS, WhatsApp, push notifications, or posted on our Dashboard, and all such communications will be considered to be provided “in writing.”

Any communication sent electronically will be deemed received no later than five (5) business days after posting or transmission, whether or not you have actually opened, read, or retrieved the communication. Your consent to receive communications electronically remains valid until you end your relationship with RiaFin as described in Section 17.

It is your responsibility to ensure that the email address and mobile number you provide to RiaFin are true, accurate and complete, and to promptly update us regarding any changes to your contact information. You may print or save copies of any electronic communications for your records. RiaFin reserves the right to modify or discontinue the methods through which we deliver electronic communications, and will provide notice of such changes where required under applicable law.

9. Cost of Service

Your use of the Site, Dashboard and related Services is offered free of charge. RiaFin does not provide wealth management, investment advisory, or financial planning services; any such services are provided exclusively by financial advisors in our network. Advisors may offer their own paid services, and any fees, billing terms, disclosures, or obligations related to those advisory services are determined solely by the advisor you choose to engage under a separate agreement between you and that advisor.

RiaFin reserves the right, in its sole discretion, to amend or change its pricing policy for any additional platform features or Services that RiaFin itself may offer in the future. Any advisor-specific fees remain entirely the responsibility of the advisor and the client, and are not set, controlled, or collected by RiaFin.

10. RiaFin Satisfaction Guarantee

RiaFin’s satisfaction guarantee applies only to individuals who engage a financial advisor directly through the RiaFin platform and maintain ongoing, comprehensive advisory services with that advisor for at least six months. This guarantee does not apply to one-time or hourly planning arrangements. A request for consideration of a refund must be submitted within nine months from the advisor’s hire-to-terminate date and must include valid proof of payment for advisory fees.

RiaFin does not pay refunds and is not responsible for issuing refunds. Instead, RiaFin may—at the client’s request—ask the advisor to consider issuing a refund or credit in accordance with the advisor’s own policies. Whether a refund is granted is entirely at the advisor’s discretion and is not guaranteed. RiaFin’s role is limited to facilitating communication and verifying documentation; RiaFin is not liable for, and does not assume responsibility for, any advisor’s decision regarding refunds.

11. Data and Data Integrity

The overall integrity and quality of the data presented by RiaFin to you is an important element in providing a reliable and useful experience on the Dashboard and the Site. RiaFin, however, does not collect or retrieve your financial account information from banks, brokers, or other financial institutions, and therefore cannot guarantee the accuracy, completeness, or timeliness of any information provided by advisors, third-party service providers, marketing partners, external data sources, or any other contributors whose content or materials may appear on or be used within the Services.

RiaFin may not be able to foresee or prevent technical issues or other difficulties that may result in service interruptions, data delays, errors, or personalization failures. RiaFin assumes no responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data, communication, or preference settings, nor for any loss of data that may occur for reasons beyond RiaFin’s control.

Any financial figures, market information, advisor-provided data, educational content, or other materials displayed on the Site should be independently verified. RiaFin strongly encourages you to confirm investment values, financial information, or market data through independent and reliable sources such as a licensed financial advisor, broker, or financial institution before relying on such information to make decisions.

You acknowledge and agree that RiaFin works with a variety of third-party service providers — including but not limited to hosting providers, cloud servers, data processors, advertising partners, analytics tools, marketing partners, affiliates, and financial advisors — to operate, maintain, and improve our Services. By using the Services, you consent to your data being processed, stored, transmitted, or accessed by such third parties as necessary for RiaFin to operate effectively. You further agree that RiaFin is not and will not be liable for any actions, omissions, data practices, breaches, or failures of any such third-party providers, whether now or in the future, and that no legal claim or action may be brought against RiaFin relating to data sharing, data transmission, or data access by such third-party providers when such sharing is part of delivering or improving the Services.

12. Other Obligations While You Use the Services

Confidentiality: You agree and understand that you are responsible for maintaining the confidentiality of your Account’s login information and password. You should also maintain appropriate anti-virus and anti-malware software on your computer, so that your Account login information is not compromised through your own negligence. If you receive evidence that someone has committed fraud by accessing your Account you must contact us IMMEDIATELY at support@riafin.com.

Accurate and Up-to-Date Information: Our Services depend on your providing us with complete, accurate and up-to-date information, both now and in the future about yourself and your accounts. In turn, we will provide you with online security as described in our Privacy Policy. Those assurances are conditioned upon your provision of correct contact and Account information to us, and never misrepresenting to us your identity or Account registration information (e.g. for the use of your third-party websites and accounts).

You agree that you will NOT do any of the following: (i) engage in behavior that will put your personal information at unnecessary risk, such as leaving, transmitting, or publishing your Login or passwords; (ii) use our Site, Dashboard, Services or any of your accounts for illegal purposes, (iii) use our Site, Dashboard or Services to transmit anything that is unlawful, libelous, intended to harass or violate the rights of another; (iv) resell or make any commercial use of the Site, Dashboard or Services, as they are intended solely for your use as an end user; (v) reverse engineer or decompile any technology associated with the Site, Dashboard or Services, including but not limited to any software applications, Java applets or plug-ins associated with the Services; (vi) use any robot, spider, webcrawler, scraper, deep link or similar automated extraction or data gathering mechanism, program or tool to access, copy or monitor our Site, Dashboard or Services or any portion thereof without our prior written consent; (vii) post or transmit any file or email which contains viruses, worms, Trojan horses or any other damaging or destructive elements; or (viii) create/register accounts or aggregate financial institutions with the Service through unauthorized means, including but not limited to, by using an automated device, script, bot, spider, crawler or scraper; ix) transfer or resell our Site, Dashboard or Services.

Consent to Recording: You consent to the recording of any electronic or written correspondence and any or all telephone conversations between you, us and any of our Affiliates in connection with this Agreement or the Services and agree and understand that recordings may be submitted in evidence in any legal proceeding relating to this Agreement. For compliance and regulatory purposes, we reserve the right to keep an audit trail of all financial insights or investment advice that we provided to you.

13. Confidentiality and Feedback

We always welcome your correspondence, feedback, comments, complaints and suggestions (collectively, “Feedback”) as this will help us improve our Services. You agree that all Feedback becomes our confidential information (“Confidential Information”). In addition, any of our trade secrets, computer software, product specifications as well as any non-public technical, financial or business information that we share with you is also our Confidential Information. You agree not to disclose or share any of our Confidential Information with any third party, including, without limitation, any members of the press or colleagues. Feedback may be submitted to support@riafin.com.

14. Third Party Software and Service Providers

To facilitate our provision of the Site, Dashboard and Services, we license software, tools and Services from third-party providers. From time to time, we may revise this Agreement as requested by our third party providers and require that you agree to additional pass-through terms with respect to such third party providers. In the event that any use of the Services of such third party providers results in you leaving our Site or Dashboard, and entering the site of a third party provider, then you will be subject to the terms of Service or use and the Privacy Policy of such third party provider, so please review such terms carefully. Also, when you use or access the sites of your financial Services providers, you will be subject to their terms of use/Service and online policies, and your use of their Services constitutes your Agreement to their online terms and policies. RiaFin may provide experiences on social media platforms such as Facebook®, WhatsApp®, Instagram®, Pinterest®, Twitter®, Bluesky®, LinkedIn®, etc. that enable online sharing and collaboration among users who have registered to use them. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the terms of use and privacy policies of those platforms. Please refer to those social media platforms to better understand your rights and obligations with regard to such content.

15. Financial Services and Third-Party Offers

RiaFin and Third-Party Offers: Certain parts of the Services may now or in the future be supported through advertising, affiliate relationships, advisor lead purchases, sponsored listings, marketing partnerships, or other compensated collaborations with third parties. When an advisor, advertiser, affiliate, or partner compensates RiaFin in connection with a listing, lead, promotion, or sponsored offer, RiaFin will disclose such relationships where legally required.

Any third-party financial services, products, tools, educational material, promotional offers, or advisor services made available through the Site, Dashboard or linked from RiaFin are provided solely by the respective third party. RiaFin does not endorse, guarantee, or assume responsibility for any third-party offerings, and all interactions, engagements, transactions, or agreements you enter into with such third parties—including financial advisors—are strictly between you and the third party.

Your decision to engage with any advisor, service provider, advertiser, or external platform is at your own discretion and risk. RiaFin does not control, monitor, or supervise third-party services and is not responsible for their performance, accuracy, conduct, pricing, advice, legal compliance, or outcomes. Any disputes or issues arising from third-party offers must be resolved directly with the applicable third party.

16. Ownership, Copyright, and Trademark

All technology, code, design elements, trademarks, trade names, graphics, layouts, text, images, videos, educational materials, listings, advisor profiles, questionnaires, branding, and all other content made available through the Site, Dashboard or in connection with the Services are owned by RiaFin or licensed to RiaFin by third-party licensors. This includes the overall look and feel of the Site, Dashboard, all promotional materials, user interface components, and any instructional or informational content provided through the platform.

During the term of this Agreement, RiaFin grants you a personal, limited, non-exclusive, non-transferable, revocable license to access and use the Site, Dashboard and its content solely for your own personal, non-commercial use in connection with the Services. You may not modify, copy, reproduce, distribute, publish, create derivative works from, publicly display, publicly perform, reverse engineer, decompile, or otherwise use any part of the Site, Dashboard or its content except as expressly permitted in this Agreement or with RiaFin’s prior written consent.

“RiaFin,” “RF,” the RiaFin logo, and all associated marks are trademarks or service marks owned by RiaFin or its parent entity. All other product names, trademarks, logos, or service marks appearing on the Site and Dashboard belong to their respective owners. No right or license to use any trademark or service mark is granted by this Agreement. Any unauthorized use of RiaFin’s intellectual property is strictly prohibited and may violate applicable copyright, trademark, and intellectual property laws.

17. Disclaimer of Representation and Warranty; Disclaimer of Liability

NOTWITHSTANDING ANYTHING IN THIS AGREEMENT, THE RIAFIN PLATFORM, DASHBOARD, SERVICES, LISTINGS, CONTENT, MATCHING QUESTIONNAIRE, AND ALL OTHER FEATURES ARE PROVIDED STRICTLY ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND. RIAFIN, ITS AFFILIATES, LICENSORS, EMPLOYEES, CONTRACTORS, AND AGENTS EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY WARRANTIES OF ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, RELIABILITY, SECURITY, OR AVAILABILITY.

RIAFIN DOES NOT PROVIDE FINANCIAL ADVICE, INVESTMENT ADVICE, TAX ADVICE, LEGAL ADVICE, OR ANY PROFESSIONAL SERVICES OF ANY KIND. ANY COMMUNICATION, INFORMATION, OR MATERIALS AVAILABLE THROUGH RIAFIN ARE FOR GENERAL EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. ALL FINANCIAL, INVESTMENT, OR PROFESSIONAL DECISIONS ARE MADE AT YOUR SOLE RISK.

RIAFIN IS NOT RESPONSIBLE FOR THE ACTIONS, OMISSIONS, CONDUCT, PERFORMANCE, ADVICE, SERVICES, REPRESENTATIONS, OR COMMUNICATIONS OF ANY FINANCIAL ADVISOR, PROFESSIONAL, AFFILIATE, ADVERTISER, OR THIRD-PARTY SERVICE PROVIDER. ALL ENGAGEMENTS WITH ADVISORS OR THIRD PARTIES ARE GOVERNED BY YOUR DIRECT AGREEMENT WITH THAT PROVIDER, AND RIAFIN HAS NO CONTROL OVER OR RESPONSIBILITY FOR SUCH RELATIONSHIPS.

RIAFIN DOES NOT WARRANT THAT THE PLATFORM OR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, TIMELY, SECURE, OR FREE OF DEFECTS; THAT ANY INFORMATION WILL BE ACCURATE OR COMPLETE; THAT ANY ERRORS WILL BE CORRECTED; OR THAT ANY PARTICULAR RESULTS, MATCHES, OR OUTCOMES WILL OCCUR.

YOU AGREE THAT ANY DOWNLOADS, USE OF INFORMATION, OR RELIANCE ON CONTENT ARE AT YOUR OWN RISK AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY RESULTING DAMAGE, LOSS, OR CONSEQUENCES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME LIMITATIONS MAY NOT APPLY TO YOU.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, RIAFIN, ITS AFFILIATES, OWNERS, LICENSORS, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES OF ANY KIND, INCLUDING LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF DATA, LOSS OF GOODWILL, SERVICE INTERRUPTIONS, OR ANY OTHER INTANGIBLE LOSS, WHETHER FORESEEABLE OR NOT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, RIAFIN SHALL NOT BE LIABLE FOR: (i) ANY ACTS, OMISSIONS, ADVICE, REPRESENTATIONS, SERVICES, OR FAILURES OF ANY FINANCIAL ADVISOR OR THIRD-PARTY SERVICE PROVIDER; (ii) DATA SHARING, DATA TRANSFERS, OR DATA ACCESS PERFORMED IN ACCORDANCE WITH THIS AGREEMENT OR THE PRIVACY POLICY; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA; (iv) ANY ERRORS, DELAYS, INTERRUPTIONS, OR TECHNICAL ISSUES; (v) ANY FAILURE OF NETWORK, INTERNET, TELECOMMUNICATION, OR SOFTWARE PROVIDERS; OR (vi) ANY DISPUTES OR OUTCOMES ARISING FROM ENGAGING OR COMMUNICATING WITH ANY ADVISOR.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL CUMULATIVE LIABILITY OF RIAFIN AND ITS AFFILIATES TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES SHALL NOT EXCEED FIVE HUNDRED INDIAN RUPEES (₹500) IN THE AGGREGATE.

19. Ending Your Relationship with RiaFin

This Agreement remains in effect until terminated by either party. You may close your Account at any time by emailing support@riafin.com from the email address associated with your Account with the subject line “CANCEL.” After verifying your identity, we will remove your Account information except where retention is required by law.

RiaFin may terminate your access to the Services at any time, with or without cause, including if you violate this Agreement, if required by law, if Services are discontinued, or at RiaFin’s sole discretion. Termination will not affect obligations or rights accrued prior to termination.

20. Governing Law and Venue

This Agreement is governed exclusively by the laws of the State of Karnataka, without regard to conflict-of-law principles. Subject to the Arbitration clause below, you consent to the exclusive jurisdiction of the courts located in Bengaluru Urban and Bengaluru Rural, Karnataka.

21. Arbitration

ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THE SERVICES OR THIS AGREEMENT SHALL BE RESOLVED BY BINDING ARBITRATION IN BENGALURU, KARNATAKA BEFORE A SOLE ARBITRATOR, ADMINISTERED BY IDRS IN ACCORDANCE WITH ITS STREAMLINED RULES. THE ARBITRATOR SHALL APPLY KARNATAKA LAW.

YOU WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION. ALL CLAIMS MUST BE BROUGHT INDIVIDUALLY.

The arbitrator may award costs and attorneys’ fees to the prevailing party. Nothing in this clause prevents either party from seeking interim equitable relief from a court of competent jurisdiction.

22. Claims of Copyright and Trademark Infringement

If you believe that any material on the RiaFin website or Dashboard infringes your intellectual property rights, you may submit a written notice to our Designated Agent using the contact information provided below. Your notice must include sufficient detail to identify the copyrighted or trademarked work, the material you believe is infringing, and evidence showing that you are authorized to act on behalf of the rights holder.

Your infringement notice must include: (i) identification of the copyrighted or trademarked work claimed to have been infringed, or, if multiple works are involved, a representative list; (ii) identification of the material claimed to be infringing, including its location on the website or Dashboard; (iii) your full contact information, including physical address, telephone number, and email address; (iv) a statement that you have a good-faith belief that the use of the material is not authorized by the rights owner, its agent, or the law; and (v) a statement, under penalty of perjury, that the information provided is accurate and that you are the owner or authorized to act on behalf of the owner.

Upon receiving a valid infringement notice, RiaFin may remove, disable access to, or restrict the disputed material at its discretion. RiaFin may also notify the user responsible for the content and, in cases of repeated infringement, may suspend or terminate that user's access to the Services.

If you believe that material was removed or disabled as a result of mistake or misidentification, you may submit a written counter-notice to the Designated Agent including: (i) identification of the removed material and its prior location on the website or Dashboard; (ii) a statement, under penalty of perjury, that you have a good-faith belief that the material was removed or disabled in error; and (iii) your physical or electronic signature along with your contact information.

Upon receiving a valid counter-notice, RiaFin may reinstate the removed material at its discretion unless the original complaining party initiates formal legal action within the appropriate timeframe.

All notices must be sent to the following:

Designated Agent: Privacy & Security
Mittaltiger Enterprises and its wholly owned divisions and subsidiaries
#302, Solarium Business Center, Kanakapura Main Road, Raghuvanahalli, Bengaluru – 62
Website: www.riafin.com
Email: support@riafin.com

Submitting false, misleading, or bad-faith infringement notices or counter-notices may result in legal liability under applicable laws. RiaFin is not responsible for any misrepresentation or misuse of the infringement reporting process by any party.

23. Change of Terms

We may modify this Agreement at any time. Notice of changes may be provided via email, through the website, or by posting the updated Agreement. Continued use of the Services after changes constitutes acceptance of the updated terms.

24. Indemnification

You agree to indemnify and hold harmless RiaFin, its affiliates, licensors, and agents from any claims, damages, liabilities, losses, or expenses (including legal fees) arising out of your use of the Services, violation of this Agreement, breach of intellectual property rights, or use of your Account by any other person.

25. Not a Legal or Tax Advisor

RiaFin does not provide legal, tax, investment, or financial advice. You should consult an appropriate licensed professional before making decisions.

26. Waiver and Severability

Failure to enforce any provision does not constitute a waiver. If any provision is deemed invalid or unenforceable, the remaining terms remain in full effect.

27. Section Headings

Section headings are for convenience only and do not affect interpretation.

28. English Language Controls

This Agreement is governed and interpreted in English. Translations are provided only for convenience.

29. Entire Agreement

This Agreement, along with the Privacy Policy and referenced documents, constitutes the entire agreement between you and RiaFin regarding the Services and supersedes all prior statements or representations.