Terms & Conditions

1. Acceptance of Terms

By accessing or using CapitalShift, you agree to be bound by these Terms & Conditions. If you do not agree, you must not use the platform.

2. Nature of Service

CapitalShift is a digital platform that provides automated financial insights, simulations, and structured financial planning tools based on user-provided data.

All outputs are generated algorithmically and are intended for informational and educational purposes only.

3. No Advisory Relationship

CapitalShift is a decision-support tool and does not provide financial, investment, legal, or tax advice.

Use of the platform does not create any advisor-client, fiduciary, or professional relationship between the user and CapitalShift.

4. Regulatory Position

CapitalShift is not a bank, non-banking financial company (NBFC), or financial institution regulated by the Reserve Bank of India.

CapitalShift is not registered with the Securities and Exchange Board of India as an investment advisor or financial intermediary.

5. User Responsibilities

Users agree to:

• Provide accurate and complete financial information
• Use the platform responsibly
• Independently evaluate outputs before making decisions

CapitalShift is not responsible for inaccuracies arising from incorrect or incomplete user data.

6. No Guarantee of Outcomes

All outputs, including financial insights, debt strategies, simulations, projections, and reports, are based on assumptions and user inputs.

CapitalShift does not guarantee:

• Financial improvement
• Debt reduction outcomes
• Accuracy or completeness of projections

7. Limitation of Liability

To the fullest extent permitted by law, CapitalShift shall not be liable for:

• Any financial losses or damages
• Indirect or consequential losses
• Decisions made based on platform outputs

Use of the platform is entirely at the user’s own risk.

8. Payments & Subscriptions

Certain features of CapitalShift require payment for access.

By purchasing premium features:

• You agree that the service is digital in nature
• Access is granted for the selected duration
• No financial outcomes are guaranteed

9. Refund Policy

All payments are subject to CapitalShift’s Refund Policy.

Refunds are only considered in cases of verified technical issues that prevent access to paid features and are reported within the specified time period.

For full details, users must refer to the Refund Policy available on the platform.

10. Third-Party Services

CapitalShift may integrate or provide access to third-party services or data sources.

CapitalShift:

• Does not control such services
• Is not responsible for their accuracy, terms, or performance

Users engage with third-party services at their own risk.

11. Data Usage & Privacy

CapitalShift collects and processes user data to:

• Generate insights and reports
• Improve platform functionality

All data usage is governed by the Privacy Policy.

12. Platform Availability

CapitalShift does not guarantee uninterrupted, secure, or error-free operation.

Features may be updated, modified, or discontinued at any time without prior notice.

13. Termination

CapitalShift reserves the right to suspend or terminate user access in case of:

• Violation of these Terms
• Misuse of the platform

14. Changes to Terms

CapitalShift may update these Terms & Conditions from time to time.

Continued use of the platform constitutes acceptance of the revised terms.

15. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India.