Terms of Use
Effective Date: 1st July 2026
Welcome to Har Ghar MFD ("Website"), an initiative of AssetPlus ("Organization", "we", "our", or "us").
These Terms of Use ("Terms") govern your access to and use of this Website and its content, including any AI-powered chatbot, educational resources, articles, videos, publications, and other materials made available through the Website.
By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you should discontinue use of the Website.
1. Purpose of the Website
This Website has been developed to promote financial awareness and provide educational and informational resources relating to, among other topics:
- Financial literacy
- Financial planning concepts
- Wealth management
- Fintech
- Mutual fund distribution
- Personal finance
- Regulatory developments
- Industry insights
- Related financial services topics
The Website is intended solely for educational and informational purposes.
2. No Professional or Financial Advice
The information made available through this Website, including articles, publications, videos, webinars, calculators, tools, and chatbot responses, is provided solely for general informational and educational purposes.
Nothing on this Website constitutes or should be interpreted as:
- financial advice
- Investment advice
- investment research
- tax advice
- legal advice
- accounting advice
- insurance advice
- retirement planning advice or
- a recommendation, solicitation, endorsement, or offer to purchase, redeem, or sell any financial product, investment, security, or service.
Users should obtain independent professional advice before making any financial, investment, legal, tax, or business decisions.
Any reliance placed on the Website's content is entirely at the user's own risk.
3. AI Chatbot Disclaimer
The Website may include an AI-powered chatbot intended to assist users in navigating Website content and answering general educational questions.
The chatbot:
- generates responses automatically using artificial intelligence
- may produce inaccurate, incomplete, outdated, or incorrect information
- does not understand the complete factual circumstances of every user
- should not be relied upon for professional or regulated advice.
The chatbot is not a substitute for qualified financial, legal, tax, investment, or other professional advice.
Users should independently verify all information obtained from the chatbot before acting upon it.
The Organization shall not be liable for any decision, action, omission, loss, or damage arising from reliance on chatbot responses.
Users should not enter confidential or sensitive information into the chatbot, including but not limited to passwords, bank account numbers, investment account credentials, OTPs, Aadhaar numbers, PAN numbers, or other personal financial information.
4. No Client, Advisory, or Fiduciary Relationship
Accessing or using this Website does not create:
- an advisor-client relationship
- an investment advisory relationship
- a fiduciary relationship
- an agency relationship
- a partnership
- an employment relationship; or
- any contractual relationship between the user and the Organization.
5. User Responsibilities
By using this Website, you agree that you will:
- use the Website only for lawful purposes;
- provide only information that you have the legal right to share;
- refrain from uploading malicious software or harmful content;
- not attempt to interfere with the Website's operation;
- not attempt unauthorized access to any systems;
- not misuse the AI chatbot;
- not use automated tools to scrape, harvest, or extract Website content without prior written permission;
- comply with all applicable laws and regulations.
6. Intellectual Property
Unless otherwise stated, all content available on the Website, including:
- articles
- research publications
- reports
- educational materials
- graphics
- illustrations
- logos
- trademarks
- videos
- software
- chatbot interfaces
- Website design; and
- other original content
is owned by or licensed to the Organization and is protected by applicable intellectual property laws.
Users may:
- access the content for personal, educational, and non-commercial use; and
- download or print limited portions solely for personal reference.
Users may not reproduce, modify, distribute, publish, commercially exploit, or create derivative works from the Website content without prior written permission from the Organization.
7. Third-Party Content and Links
The Website may contain links to third-party websites, services, publications, videos, or other resources for users' convenience.
Such links do not constitute endorsement or approval of any third party or its content.
The Organization is not responsible for:
- the availability of third-party websites
- their content
- their accuracy
- their privacy practices; or
- any products or services offered by them.
- Users access third-party resources at their own discretion and risk.
8. Website Availability
We strive to keep the Website available and up to date. However, we do not guarantee that:
- the Website will always be available
- the Website will operate without interruption
- the Website will be free of errors
- defects will be corrected immediately; or
- the Website will always remain compatible with every device or browser.
We reserve the right to modify, suspend, discontinue, or restrict access to any part of the Website at any time without prior notice.
9. Accuracy of Information
While reasonable efforts are made to ensure that information published on the Website is accurate and current, we make no representations or warranties regarding the completeness, reliability, suitability, or accuracy of any content.
Financial regulations, tax laws, market practices, and industry developments may change over time.
Users are responsible for independently verifying information before relying upon it.
10. Limitation of Liability
To the fullest extent permitted by applicable law, the Organization, its affiliates, employees, officers, directors, contributors, partners, licensors, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to:
- use of or inability to use the Website
- reliance on Website content
- reliance on AI chatbot responses
- inaccuracies or omissions in Website content
- technical failures
- interruption of Website services
- unauthorized access to Website systems; or
- any loss of data, profits, business opportunities, or goodwill.
Your use of the Website is entirely at your own risk.
11. Indemnification
You agree to indemnify, defend, and hold harmless the Organization and its officers, employees, directors, affiliates, licensors, and service providers from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of:
- your use of the Website
- your violation of these Terms
- your violation of applicable law; or
- your infringement of the rights of any third party.
12. Privacy
Your use of the Website is also governed by our Privacy Policy, which explains how information collected through the Website is handled.
13. Changes to the Terms
The Organization reserves the right to modify these Terms at any time.
Updated Terms will become effective upon publication on this Website unless otherwise stated.
Continued use of the Website after the revised Terms are published constitutes acceptance of those revised Terms.
14. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India.
Subject to applicable law, the courts having jurisdiction over Chennai, Tamilnadu shall have exclusive jurisdiction over any disputes arising from or relating to these Terms or the use of the Website.
15. Severability
If any provision of these Terms is held to be invalid, unlawful, or unenforceable, the remaining provisions shall continue in full force and effect.
16. Contact Us
If you have any questions regarding these Terms of Use, please contact:
AssetPlus
Email: Compliance@assetplus.io
Address: Floor 8 Module 3A, Olympia Cyberspace, Alandur Rd, Abith Colony, Arulayiammanpet, 2nd street, Guindy, Chennai, Tamil Nadu 600032