Terms & Conditions

By accessing or using Clarzo.ai ("the Platform"), you agree to be bound by these Terms and Conditions ("Terms"), our Privacy Policy, and any additional terms that may apply to specific features of the Platform.

If you do not agree to these Terms, you must not use the Platform. If you are using the Platform on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

You must be at least 18 years of age to use the Platform. By using Clarzo.ai, you confirm that you meet this age requirement.

Clarzo.ai provides an AI-powered wealth intelligence platform that offers:

• Portfolio Aggregation: Connecting and displaying financial data from multiple sources in a unified dashboard
• AI-Powered Insights: Automated analysis of portfolio performance, risk, and allocation
• ClarzoGPT: A conversational AI assistant that answers questions about your financial data
• ClarzoGPT: A research tool providing company information based on publicly available financial data
• Goal Tracking: Tools to map investments against personal financial goals
• Spending Analysis: Categorization and analysis of bank transaction data
• Expert Connect: A marketplace connecting users with SEBI-registered financial advisors
• Stock Discovery: Educational tools for researching sectors and companies listed on BSE/NSE

We reserve the right to modify, suspend, or discontinue any part of the Platform at any time with reasonable notice.

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and update your information to keep it accurate
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activities that occur under your account

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.

Specifically:

• Rebalancing suggestions are educational in nature and should not be construed as investment recommendations
• ClarzoGPT and ClarzoGPT responses are generated by AI and may contain inaccuracies — always verify with official sources
• Stock Discovery content reflects publicly available data and does not constitute a buy/sell recommendation
• Past performance data displayed on the Platform does not guarantee future results
• You should consult a qualified financial advisor before making investment decisions

Clarzo.ai is an intelligence and aggregation layer — not a transaction platform. We do not execute trades, manage funds, or move money on your behalf.

You agree to use the Platform only for lawful purposes. You must not:

• Use the Platform to engage in any illegal activity or violate any applicable laws
• Attempt to gain unauthorized access to other users' accounts or data
• Use automated tools (bots, scrapers) to extract data from the Platform without permission
• Reverse engineer, decompile, or disassemble any part of the Platform
• Upload malicious code, viruses, or any harmful content
• Share your account credentials with third parties or allow others to access your account
• Use ClarzoGPT or Stock Discovery data to provide unauthorized financial advisory services
• Misrepresent your identity or provide false information

All content, features, and functionality of the Platform — including text, graphics, logos, icons, AI models, algorithms, software, and design — are owned by Clarzo.ai and protected by intellectual property laws.

Your Data: You retain full ownership of your personal and financial data. By using the Platform, you grant us a limited, non-exclusive license to process your data solely for providing our services to you. This license ends when you delete your account.

Feedback: If you provide suggestions, feature requests, or feedback, you grant us the right to use this feedback for product improvement without obligation to you.

To the maximum extent permitted by law:

• Clarzo.ai is provided "as is" and "as available" without warranties of any kind, express or implied
• We do not guarantee the accuracy, completeness, or timeliness of financial data displayed on the Platform
• We are not responsible for investment decisions you make based on information from the Platform
• We are not liable for any losses, damages, or costs arising from the use of the Platform, including but not limited to financial losses from investment decisions
• Our total liability for any claims arising from these Terms shall not exceed the amount you paid to us in the 12 months preceding the claim

Data Accuracy: While we strive for accuracy, financial data aggregated from third-party sources may contain delays, errors, or omissions. Always verify critical information with your broker, bank, or official sources.

By You: You may delete your account at any time through the Platform settings. Upon deletion, all your personal and financial data will be permanently removed within 30 days, as outlined in our Privacy Policy.

By Us: We may suspend or terminate your access if you violate these Terms, engage in fraudulent activity, or if we are required to do so by law. We will provide reasonable notice when possible.

Effect of Termination: Upon termination, your right to access the Platform ceases immediately. Sections of these Terms that by their nature should survive (such as Limitation of Liability, Intellectual Property, and Governing Law) will continue to apply.

We may update these Terms from time to time. When we make material changes:

• We will notify you via email or a prominent notice on the Platform at least 30 days before changes take effect
• The "Last updated" date at the top of this page will be revised
• Continued use of the Platform after changes take effect constitutes acceptance of the updated Terms
• If you do not agree to the updated Terms, you should stop using the Platform and delete your account

These Terms are governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or the use of the Platform shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra, India.

Before initiating any legal proceedings, both parties agree to attempt resolution through good-faith negotiation for a period of at least 30 days.

If you have questions about these Terms & Conditions, please reach out: