Terms & Conditions

Simplicity Investing India Pvt. Ltd. d.b.a Simplicity Investing Global

1. Introduction

Welcome to Simplicity Investing India Pvt. Ltd. d.b.a Simplicity Investing Global ("Company", "we", "us", or "our"). These Terms and Conditions ("Terms") govern your access to and use of our website located at https://www.simplicityinvesting.com (the "Website"), including any content, functionality, products, and services offered on or through the Website.

Please read these Terms carefully before using the Website. By accessing or using any part of the Website, you agree to be bound by these Terms. If you do not agree to all the Terms, you must not access or use the Website.

These Terms constitute a legally binding agreement between you and Simplicity Investing India Pvt. Ltd., a company incorporated under the Companies Act, 2013, with its registered office in India.

2. Definitions

For the purpose of these Terms and Conditions:

"Client", "You", and "Your" refers to you — the individual accessing or using this Website — and who is compliant with the Company's terms and conditions.
"Company", "We", "Us", and "Our" refers to Simplicity Investing India Pvt. Ltd.
"Website" refers to the online platform accessible at https://www.simplicityinvesting.com.
"Services" refers to the investment-related information, tools, research, advisory content, and any other offerings made available through the Website.
"User Content" refers to any data, text, graphics, comments, feedback, or other information submitted by users on or through the Website.
"SEBI" means the Securities and Exchange Board of India.
“SEC” means the US Securities and Exchange Commission.
"Applicable Law" means all laws, statutes, regulations, rules, and guidelines in force in India, including but not limited to the Securities and Exchange Board of India Act, 1992, the Companies Act, 2013, the Information Technology Act, 2000, Investment Advisers Act of 1940, applicable RBI and SEC guidelines.

3. Eligibility & User Representations

By using this Website, you represent and warrant that:

You are at least 18 years of age and have the legal capacity to enter into a binding agreement.
You are a resident of India or accessing the Website in compliance with the laws of your jurisdiction.
You are not barred or otherwise prohibited by any applicable law or regulation from accessing or using the Website or our Services.
All information you provide to us is accurate, current, and complete.
You will not use the Website for any unlawful purpose or in violation of these Terms.

We reserve the right to refuse access to the Website or terminate accounts of any users who misrepresent their eligibility or violate these Terms.

4. Investment & Financial Services Disclaimer

PLEASE READ THIS SECTION CAREFULLY. IT CONTAINS IMPORTANT LIMITATIONS ON OUR LIABILITY.

Simplicity Investing India Pvt. Ltd. provides general financial education, market research, investment-related content, and informational tools. The content on this Website is provided for informational and educational purposes only and does not constitute:

Investment advice or a recommendation to buy, sell, or hold any security or financial instrument;
A solicitation or offer to buy or sell any securities or financial products;
Professional financial, tax, or legal advice;
A guarantee of any future returns, performance, or outcomes.

Investments in securities markets are subject to market risks. Past performance is not indicative of future results. You should read all scheme-related documents and disclosures carefully before investing. Before making any investment decision, you are strongly advised to:

Consult a SEBI/SEC-registered investment advisor or financial planner;
Consider your individual risk tolerance, financial goals, and investment horizon;
Conduct your own independent due diligence.

Simplicity Investing India Pvt. Ltd. is not responsible for any investment decisions made by users based on content available on this Website. Any reliance on the information provided is strictly at your own risk.

5. Regulatory Compliance & SEBI/SEC Registration

Simplicity Investing India Pvt. Ltd. operates in compliance with the laws and regulations of India. Users are advised that:

All securities-related activities are subject to the jurisdiction of SEBI for India business and SEC for US business, and other applicable regulatory authorities.
The Company's registration details, if applicable, are as mandated under SEBI regulations and shall be disclosed as required by law.
Users accessing this Website from outside India do so at their own initiative and risk and are solely responsible for compliance with their local laws.
Nothing on this Website shall be construed as the Company acting as a portfolio manager, stockbroker, or investment advisor unless explicitly stated and duly registered with SEBI or SEC.

6. Intellectual Property Rights

Unless otherwise stated, Simplicity Investing India Pvt. Ltd. and/or its licensors exclusively own all intellectual property rights in the Website and its content, including but not limited to:

Textual content, articles, research reports, and analyses;
Logos, graphics, icons, images, and design elements;
Software, code, databases, and functional components;
Trade names, trademarks, and service marks.

All intellectual property rights are reserved. You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Website solely for your personal, non-commercial purposes, subject to these Terms.

You must not:

Republish, sell, rent, sub-license, reproduce, duplicate, copy, or redistribute any material from this Website without express written permission;
Modify or adapt any material or create derivative works;
Use any content for commercial purposes without prior written consent from Simplicity Investing India Pvt. Ltd.;
Remove, obscure, or alter any copyright, trademark, or other proprietary notices;
Scrape, crawl, or use automated tools to extract data from the Website.

Any unauthorised use of the content on this Website may give rise to a claim for damages and/or constitute a criminal offence under the Copyright Act, 1957, Information Technology Act, 2000, and other applicable laws.

7. Acceptable Use Policy

You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

Use the Website in any way that breaches any applicable local, national, or international law or regulation;
Transmit any unsolicited or unauthorised advertising or promotional material ("spam");
Knowingly transmit any data, or send or upload any material that contains viruses, Trojan horses, worms, spyware, or any other harmful programs;
Attempt to gain unauthorised access to any part of the Website, servers, databases, or other systems connected to the Website;
Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website;
Use the Website to transmit false, misleading, or fraudulent information;
Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity;
Use the Website in a manner that could disable, overburden, damage, or impair the Website or interfere with any other party's use of the Website.

Violation of this Acceptable Use Policy may result in immediate termination of your access to the Website and may be reported to the appropriate legal authorities.

8. User Accounts & Security

If you create an account on the Website, you are responsible for:

Maintaining the confidentiality of your account credentials (username and password);
All activities that occur under your account;
Notifying us immediately at info@simplicityinvesting.com upon becoming aware of any breach of security or unauthorised use of your account.

We reserve the right to disable your account or access at our sole discretion, including if we believe you have violated any provision of these Terms. We will not be liable for any loss or damage arising from your failure to comply with your security obligations.

9. User Content & Comments

Certain areas of the Website may allow users to post comments, opinions, or other content ("User Content"). By submitting User Content, you:

Represent that you own or have the necessary licences and consents to submit such content;
Confirm that the content is accurate and does not violate any law or third-party rights;
Grant Simplicity Investing India Pvt. Ltd. a perpetual, worldwide, non-exclusive, royalty-free licence to use, reproduce, modify, adapt, publish, translate, and distribute such content across any media.

Simplicity Investing India Pvt. Ltd. does not endorse or take responsibility for User Content. We reserve the right to monitor, edit, or remove any User Content at our sole discretion without notice. User Content that is defamatory, obscene, misleading, or in breach of SEBI guidelines or any applicable law will be removed immediately.

You agree that User Content will not:

Contain any financial advice, investment tips, or stock recommendations that could mislead other users;
Infringe on any intellectual property rights;
Contain personal attacks, abusive language, or hate speech;
Promote fraudulent schemes, pyramid schemes, or unauthorised investment products.

10. Cookies

We use cookies and similar tracking technologies to enhance your experience on our Website. By accessing the Website, you consent to our use of cookies as described in our Privacy Policy.

Cookies help us remember your preferences, analyse website traffic, and personalise content. You may disable cookies via your browser settings; however, this may limit certain features of the Website. For full details on the types of cookies used and how to manage them, please refer to our Privacy Policy.

11. Third-Party Links & External Websites

The Website may contain links to third-party websites, platforms, or resources that are not owned or controlled by Simplicity Investing India Pvt. Ltd.. These links are provided for your convenience and informational purposes only.

We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. We strongly advise you to:

Read the terms and conditions and privacy policies of any third-party websites you visit;
Not assume that our linking to a third-party site implies our endorsement or approval of that site or its contents.

Simplicity Investing India Pvt. Ltd. shall not be held liable for any loss or damage caused by your use of or reliance on any third-party content, products, or services available through such links.

12. Hyperlinking to Our Website

The following organisations may link to our Website without prior written approval: government agencies, search engines, and news organisations.

Other organisations may request to link to our Website by contacting us at contact info@simplicityinvesting.com. We reserve the right to approve or reject any link request at our sole discretion. Approved links must:

Not be deceptive or misrepresent a relationship with Simplicity Investing India Pvt. Ltd.;
Not falsely imply sponsorship, endorsement, or affiliation;
Fit within the context of general resource or informational content on the linking party's site.

No use of Simplicity Investing India Pvt. Ltd.'s logo, brand name, or any proprietary artwork for linking purposes is permitted without a separate written trademark licence agreement.

13. iFrames

Without prior written approval from Simplicity Investing India Pvt. Ltd., you may not create frames around our web pages that alter the visual presentation, appearance, or functionality of the Website in any way.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

Simplicity Investing India Pvt. Ltd., its directors, officers, employees, agents, partners, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising out of or in connection with your access to or use of the Website or Services.
Our total aggregate liability to you for any direct damages shall not exceed INR 5,000 (Indian Rupees Five Thousand Only) or the amount paid by you to Simplicity Investing India Pvt. Ltd. in the last three (3) months, whichever is lower.
We shall not be liable for any loss or damage arising from: (i) reliance on any information on the Website; (ii) service interruptions, system failures, or data loss; (iii) unauthorised access to your data; or (iv) investment decisions made based on content available on the Website.

Nothing in these Terms shall exclude or limit liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable Indian law.

15. Indemnification

You agree to defend, indemnify, and hold harmless Simplicity Investing India Pvt. Ltd. and its officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgements, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to:

Your violation of these Terms;
Your use of the Website or Services;
Your User Content;
Your violation of any applicable law or regulation;
Your infringement of any third-party rights.

16. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, SERVICES, AND MATERIALS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.

Simplicity Investing India Pvt. Ltd. expressly disclaims all warranties, including but not limited to:

Implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
Any warranty that the Website will be uninterrupted, error-free, secure, or free of viruses;;
Any warranty regarding the accuracy, completeness, reliability, or timeliness of any content on the Website;
Any warranty that defects will be corrected.

17. Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at https://www.simplicityinvesting.com/privacy-policy to understand our practices regarding the collection, use, and disclosure of your personal data. By using the Website, you consent to the data practices described in our Privacy Policy.

18. Data Protection & Information Technology Act

Simplicity Investing India Pvt. Ltd. is committed to protecting your personal data in accordance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 ("DPDPA"), as applicable.

We implement appropriate technical and organisational measures to secure your personal data against unauthorised access, disclosure, alteration, or destruction. For details on how we handle your data, please refer to our Privacy Policy.

19. Force Majeure

Simplicity Investing India Pvt. Ltd. shall not be liable for any delay or failure to perform its obligations under these Terms if such delay or failure is caused by events beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, epidemic or pandemic, power failures, internet or telecommunications failures, or governmental actions.

20. Governing Law & Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

Any disputes arising out of or in connection with these Terms, the Website, or the Services shall be subject to the exclusive jurisdiction of the courts located in [City, State], India. By using this Website, you irrevocably consent to the personal jurisdiction of such courts.

21. Dispute Resolution & Arbitration

In the event of any dispute, controversy, or claim arising out of or relating to these Terms or the breach, termination, or invalidity thereof, the parties shall first attempt to resolve the dispute amicably through good-faith negotiations within 30 (thirty) days of written notice.

If the dispute is not resolved through negotiation, it shall be referred to and finally resolved by arbitration in accordance with the Arbitration and Conciliation Act, 1996, as amended. The arbitration shall be conducted by a sole arbitrator mutually appointed by the parties. The seat and venue of arbitration shall be [City], India. The language of arbitration shall be English.

22. Amendments to Terms

Simplicity Investing India Pvt. Ltd. reserves the right to modify, update, or replace these Terms at any time at our sole discretion. When we make changes, we will update the "Effective Date" at the top of this page.

Your continued use of the Website following the posting of updated Terms constitutes your acceptance of the changes. We encourage you to review these Terms periodically. If you do not agree with the updated Terms, you must discontinue your use of the Website.

23. Termination

We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason, including if we believe you have breached these Terms. Upon termination:

All rights and licences granted to you under these Terms will immediately cease;
You must stop all use of the Website;
Provisions of these Terms that by their nature should survive termination shall remain in effect, including Intellectual Property Rights, Disclaimers, Indemnification, and Limitation of Liability.

24. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be so modified, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

25. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices or policies published on the Website, constitute the entire agreement between you and Simplicity Investing India Pvt. Ltd. with respect to your use of the Website, and supersede all prior agreements, representations, and understandings of any kind, whether written or oral, relating to the subject matter hereof.

26. Waiver

No failure or delay by Simplicity Investing India Pvt. Ltd. in exercising any right under these Terms shall constitute a waiver of that right. No single or partial exercise of any right shall preclude any further or future exercise of that right or any other right.