These Terms & Conditions ("Terms") govern your access to and use of the website, SMS-based research delivery, and advisory services (collectively, the "Platform") offered by Adaaf Advisory Services Private Limited ("Adaaf", "Company", "we", "us", "our"), a SEBI-registered Investment Adviser bearing registration number [INA000XXXXXX].
By accessing or using the Platform, subscribing to any plan, or submitting the enquiry form, you ("Client", "User", "you") agree to be bound by these Terms. If you do not agree, please do not use the Platform.
You must be at least 18 years of age and capable of entering into a legally binding contract under the Indian Contract Act, 1872, to use our services. This includes NRI clients residing in the Middle East and elsewhere, subject to applicable foreign exchange and overseas investment regulations.
You agree to provide accurate, current, and complete information during onboarding/KYC and to keep such information updated.
Adaaf provides investment advisory services in the form of equity research recommendations delivered via SMS, including Short-Term Investment Calls, Medium to Long-Term Investment Calls, Weekly Calls, Portfolio Health Check, and NRI Advisory, in accordance with the SEBI (Investment Advisers) Regulations, 2013.
All recommendations are delivery-based only. We do not provide intraday, F&O, or any other speculative/derivative advice.
All advice is based on the risk profile, financial goals, and information disclosed by the Client at the time of onboarding and during periodic reviews. The Client is responsible for ensuring such information remains accurate and updated.
We do not provide execution services. Any investment decision and the resulting execution of trades remains solely the responsibility of the Client.
We do not guarantee any specific returns, profits, or outcomes from following our advice. All investments in securities are subject to market risk (see our Risk Disclosure page).
All recommendations are screened in line with AAOIFI Shariah standards, covering both the business activity screen (excluding companies primarily engaged in conventional banking/interest, alcohol, tobacco, gambling, and non-halal products) and the financial ratio screen (debt, interest-bearing securities, and liquidity thresholds). While we apply this screening diligently, the Client remains responsible for satisfying themselves as to the suitability of any investment from a religious or ethical standpoint, including any "purification" of income as guided by Adaaf.
Fees for our subscription plans (Short-Term, Medium to Long-Term, and Weekly Calls) are charged as per the plan and pricing displayed on the Platform at the time of subscription, in compliance with SEBI's prescribed fee model and ceilings for Investment Advisers.
Fees may be charged on a fixed-fee basis per subscription period, subject to the regulatory cap of [2.5%] of assets under advice (AUA) per annum, or a fixed fee not exceeding [₹1,25,000] per annum per client across all services, as prescribed by SEBI from time to time.
All fees are exclusive of applicable taxes (including GST), which shall be charged additionally at prevailing rates.
Refunds, where applicable, are governed by our Refund Policy.
The Client agrees to:
The Client acknowledges that investment decisions are made at their sole discretion and risk, based on advice received.
Adaaf maintains a clear separation between advisory and any other business activities, in line with SEBI regulations, and shall disclose any actual or potential conflicts of interest to the Client. We do not receive consideration, including in the form of commission, from product manufacturers for advice rendered, except in accordance with permissible regulatory exceptions.
All content on the Platform, including text, graphics, logos, research methodology ("Rational Analysis Framework"), and SMS recommendations, is the property of Adaaf or its licensors and is protected under applicable Indian intellectual property laws. Clients may not reproduce, redistribute, resell, or create derivative works from any content without prior written consent.
To the maximum extent permitted by law, Adaaf, its directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, or consequential losses arising from:
Nothing in these Terms shall exclude liability that cannot be excluded under applicable Indian law, including SEBI regulations.
Either party may terminate the advisory relationship in accordance with the terms of the relevant subscription plan. We reserve the right to suspend or terminate access to the Platform or SMS service in case of breach of these Terms, fraudulent activity, non-payment, or non-compliance with KYC/regulatory requirements.
We may revise these Terms from time to time. Continued use of the Platform or continued subscription after such changes constitutes acceptance of the revised Terms. Material changes will be communicated via email or notice on the Platform.
These Terms shall be governed by the laws of India. Any disputes shall first be referred to conciliation/arbitration through the SEBI Online Dispute Resolution (ODR) Portal at smartodr.in, failing which the courts at [City, State] shall have exclusive jurisdiction.
For complaints, contact our Compliance Officer at contact.adaaf@gmail.com. Unresolved complaints may be escalated to SEBI SCORES at scores.sebi.gov.in. See also our SEBI Registration page for registration details.
Adaaf Advisory Services Private Limited
[Registered Office Address]
Email: contact.adaaf@gmail.com
SEBI Registration No.: [INA000XXXXXX]