1. Electronic Record & Acceptance of Terms

This document is an electronic record generated by a computer system and published in accordance with the provisions of Rule 3(1) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the Information Technology Act, 2000 (as amended from time to time). This electronic record is generated without physical or digital signatures pursuant to Section 10A of the IT Act, 2000.

By accessing, browsing, interacting with calculators, submitting inquiries, or creating an account on www.wealtitude.com (the "Platform"), you confirm that you are at least 18 years of age, legally competent to contract under the Indian Contract Act, 1872, and agree to be bound by these Terms of Service, our Privacy Policy, and any applicable service mandates.

2. Scope of Services & Regulatory Status

Wealtitude Advisors LLP provides strategic credit facilitation, balance sheet architecture, and financial distribution services across India:

• Credit Structuring & Loan Syndication: We act as an independent credit advisor and strategic facilitator connecting clients with regulated Lending Institutions (Scheduled Commercial Banks, Housing Finance Companies, and Non-Banking Financial Companies registered with the Reserve Bank of India). Wealtitude is not a Bank or a Direct Lender. We do not issue loans directly or hold customer deposits.
• Lending Discretion & Sanctions: All credit evaluations, interest rate offers (Repo-Rate/EBLR/MCLR spreads), loan approvals, sanctions, and disbursements remain at the sole, unfettered discretion of the respective RBI-regulated Lending Institutions.
• Wealth Solutions & Mutual Funds: Wealtitude Advisors LLP is in the process of obtaining its AMFI Registration Number (ARN) to operate as a registered Mutual Fund Distributor. We are not a SEBI Registered Investment Advisor (RIA) under the SEBI (Investment Advisers) Regulations, 2013. Prior to final issuance of our ARN, all discussions and tools relating to mutual funds and capital allocation are strictly educational and non-commercial.

3. No Investment Guarantee & Market Risks

All mutual funds and securities investments are subject to market risks. Please read all scheme-related documents carefully before investing. Historical performance is not indicative of future returns. Wealtitude does not guarantee, warrant, or promise any specific returns, capital protection, or appreciation on any financial product or asset class.

4. Interactive Tools, Calculators & Projections

All mathematical calculators, balance transfer simulators, amortizations, retirement models, and currency conversions made available on the Platform are programmatic algorithms intended purely for illustrative and estimation purposes:

• Outputs do not constitute a formal loan sanction, binding quote, or investment prospectus.
• Realized financial outcomes will vary depending on prevailing bank credit policies, RBI repo rate changes, processing fees, stamp duties, market returns, and applicable personal tax rates (including capital gains tax under the Income-tax Act, 1961).
• Users are strongly advised to seek independent legal, tax, and chartered accounting counsel before executing financial commitments.

5. User Obligations & Acceptable Use Policy

In accordance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, you agree and undertake that you shall not host, display, upload, modify, publish, transmit, store, or share any information that:

• Belongs to another person and to which you do not have any legal right or authorization;
• Is false, misleading, fraudulent, or impersonates any person or entity;
• Infringes any patent, trademark, copyright, trade secret, or other proprietary rights;
• Contains software viruses, malware, or any other code designed to interrupt, destroy, or compromise Platform functionality;
• Threatens the unity, integrity, defense, security, or sovereignty of India, friendly relations with foreign States, or public order.

6. Client Portal Security & Credentials

If you register for an account on the Client Portal, you are responsible for maintaining the confidentiality of your authentication credentials, session tokens, and password. You agree to notify us immediately at contact@wealtitude.com upon discovering any unauthorized access to your account. Wealtitude shall not be liable for any losses arising from your failure to safeguard your credentials.

7. Intellectual Property Rights

All content on the Platform, including proprietary balance sheet models, user interface designs, mathematical calculation algorithms, text, graphics, icons, logos, trademarks, and code, is the intellectual property of Wealtitude Advisors LLP and protected under the Copyright Act, 1957 and the Trade Marks Act, 1999 of India. Reproduction, reverse engineering, scraping, or commercial exploitation without prior written consent is strictly prohibited.

8. Data Privacy & Statutory Compliance

Collection, storage, transmission, and erasure of your personal and financial information are governed strictly by the Digital Personal Data Protection (DPDP) Act, 2023 and the Information Technology Act, 2000 (SPDI Rules, 2011). Please review our comprehensive Privacy Policy to understand your rights as a Data Principal, including your Right to Access, Correction, and Complete Erasure ("Right to be Forgotten").

9. Limitation of Liability

To the fullest extent permissible under applicable Indian law, Wealtitude Advisors LLP, its designated partners, employees, and affiliates shall not be liable for any direct, indirect, punitive, incidental, special, consequential, or exemplary damages, including losses of profit, goodwill, data, or financial opportunities resulting from:

• Rejection, delay, or unfavorable interest rates from banking partners;
• Market fluctuations affecting investments;
• Temporary technical interruptions, latency, or server downtime;
• Actions taken based on automated calculator estimates.

10. Indemnification

You agree to indemnify, defend, and hold harmless Wealtitude Advisors LLP, its partners, and officers from and against any claims, liabilities, damages, losses, or legal expenses arising out of your violation of these Terms, submission of inaccurate KYC/financial information, or infringement of third-party rights.

11. Dispute Resolution & Governing Law

These Terms shall be governed by, interpreted, and construed exclusively in accordance with the substantive laws of the Republic of India without regard to conflict of laws principles.

Any dispute, controversy, or claim arising out of or relating to these Terms or the Platform shall be resolved through good-faith mutual negotiations. If unresolved within thirty (30) days, the dispute shall be referred to and finally resolved by binding arbitration in accordance with the Arbitration and Conciliation Act, 1996 by a sole arbitrator mutually appointed by the parties. The seat and venue of arbitration shall be in India, and proceedings shall be conducted in the English language. Subject to arbitration, the competent courts in India shall have exclusive jurisdiction.

12. Grievance Redressal Mechanism

In compliance with the Information Technology Act, 2000, the IT (Intermediary Guidelines) Rules, 2021, and Section 13 of the Digital Personal Data Protection Act, 2023, the details of our designated Grievance Officer are set forth below:

1. Data Fiduciary & Operational Jurisdiction

Wealtitude Advisors LLP ("Wealtitude", "we", "us", or "our") acts as a Data Fiduciary under the Digital Personal Data Protection Act, 2023 (DPDP Act, 2023) and operates within the jurisdiction of India. We are committed to processing your personal and financial data with utmost confidentiality, purpose limitation, and technical security.

2. Purpose Limitation

We only collect and process personal data that is strictly necessary to fulfill your immediate request or agreed advisory engagement. Specific lawful processing purposes include:

• Credit Structuring & Loan Syndication: Assessing eligibility for Home Loans, Balance Transfers, Loan Against Property (LAP), and Business Credit.
• Goal-Based Wealth Planning: Modeling SIP, retirement, and cash flow simulations (subject to statutory ARN launch).
• Client Portal Command Center: Storing and updating confidential balance sheet snapshots, debt-to-asset metrics, and advisory inquiries.
• Direct Advisory Communication: Facilitating scheduled consultations between you and our Senior Debt Architects via contact@wealtitude.com.

3. Sensitive Personal Data or Information (SPDI)

In accordance with Rule 3 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, your financial records (loan liabilities, asset positions, bank statements) and portal credentials are treated as SPDI. We maintain strict internal firewall controls and never trade, sell, or rent your SPDI to unauthorized commercial distributors.

4. Consent Notice & Right to Withdraw

Before you submit any personal or financial information through our portal, contact forms, or calculators, we provide clear notice of the purpose of collection. Your consent is voluntary, and you retain the unconditional right to withdraw your consent at any time by emailing contact@wealtitude.com. Withdrawal of consent does not affect the lawfulness of processing undertaken prior to such withdrawal.

5. Data Principal Rights (Under DPDP Act, 2023)

As a Data Principal under Indian law, you are entitled to exercise the following statutory rights:

• Right to Access Information: Obtain a summary of your personal data processed by us and identities of any regulated banking partners with whom data was shared.
• Right to Correction & Updation: Request immediate correction of inaccurate or incomplete personal or financial records.
• Right to Erasure ("Right to be Forgotten"): Request the complete erasure of your personal data when the purpose for which it was collected is no longer served. You can trigger an instant erasure request via your Client Portal or by writing to our Grievance Desk.
• Right of Grievance Redressal: Right to readily accessible redressal of grievances regarding the performance of our obligations under the DPDP Act.

6. Security Safeguards & Data Retention

We deploy institutional-grade encryption (TLS 1.3 in transit, salted cryptographic hashing for passwords, and isolated edge cloud infrastructure). Personal data is retained strictly for the duration necessary to satisfy the advisory mandate or meet applicable statutory accounting and regulatory requirements.

7. Statutory Grievance Redressal Officer Desk

In accordance with Section 13 of the DPDP Act, 2023 and Rule 5(9) of the IT Rules, 2011, any concerns, withdrawal of consent, data erasure requests, or grievances must be addressed to our designated Grievance Officer:

The information provided on this website, including calculators and subpage insights, is for educational and informational purposes only. Wealtitude Advisors LLP acts as a strategic credit facilitator and mutual fund distributor. Users should consult their tax and legal advisors before making any financial decisions.

Regulatory Status: Wealtitude Advisors LLP is in the process of obtaining an AMFI Registration Number (ARN) to act as a Mutual Fund Distributor. We are not SEBI Registered Investment Advisors (RIA). Our wealth solutions and mutual fund distribution services will be actively launched strictly subject to the final issuance of our ARN. Prior to this, any interactions regarding mutual funds are strictly educational.