Terms of Service

1. Introduction and Acceptance

Welcome to ClearMF ("we," "our," or "us"). By accessing or using our website at clearmf.com (the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Platform.

ClearMF is an AI-powered financial information platform designed to provide educational content and data-driven insights about mutual funds in India. We are not a financial advisor, broker, investment advisor, or mutual fund distributor.

2. Service Description

ClearMF provides the following services:

• Access to mutual fund data, including NAVs, performance metrics, and fund information
• Financial calculators for SIP, lumpsum, and investment planning
• AI-powered analysis and insights for educational purposes
• Fund comparison and research tools
• Educational content about mutual funds and investing

All services are provided for educational and informational purposes only. We do not provide personalized investment advice, portfolio management, or mutual fund distribution services.

3. Not Investment Advice

Important: ClearMF is not a SEBI-registered investment advisor (RIA), broker, or mutual fund distributor. Nothing on our Platform constitutes:

• Personalized investment advice or recommendations
• An offer to buy or sell any mutual fund or security
• A guarantee of investment returns or performance
• Professional financial, tax, or legal advice

Before making any investment decisions, you should consult with qualified financial advisors, tax professionals, or investment specialists who can consider your specific financial situation, risk tolerance, and investment objectives.

4. Data Sources and Accuracy

We source mutual fund data from publicly available sources including:

• AMFI (Association of Mutual Funds in India) - Official scheme data
• MFAPI - Daily NAV updates and performance data
• NSE/BSE - Benchmark and index data

While we strive to provide accurate and up-to-date information, we do not guarantee the completeness, accuracy, or timeliness of any data. NAVs and performance data are updated daily but may be subject to delays or errors. Historical calculations use industry-standard methodologies but past performance does not guarantee future results.

5. User Responsibilities

By using ClearMF, you agree to:

• Use the Platform for lawful purposes only
• Not attempt to gain unauthorized access to our systems or data
• Not scrape, copy, or redistribute our content without permission
• Not use the Platform for commercial purposes without our consent
• Verify all information independently before making investment decisions
• Understand the risks associated with mutual fund investments

6. Intellectual Property

All content on ClearMF, including text, graphics, logos, code, AI models, and software, is the property of ClearMF or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our written permission.

The ClearMF name, logo, and all related marks are trademarks of ClearMF. Use of these marks without permission is prohibited.

7. Disclaimers and Limitations of Liability

THE PLATFORM IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We are not liable for:

• Investment losses or financial damages resulting from use of our Platform
• Errors, inaccuracies, or delays in data
• Service interruptions or technical issues
• Third-party content or external links
• Any indirect, incidental, or consequential damages

In jurisdictions that do not allow the exclusion of certain warranties or limitations of liability, our liability is limited to the maximum extent permitted by law.

8. Investment Risk Disclosure

Mutual funds and investments carry inherent risks. You should carefully consider:

• Market risk - Fund values can fluctuate based on market conditions
• Credit risk - Debt funds are subject to credit quality of underlying securities
• Liquidity risk - Some funds may have redemption restrictions
• Interest rate risk - Bond and debt fund values are affected by interest rate changes
• Past performance is not indicative of future results

Always read the scheme information document and key information memorandum before investing. Consider your financial situation, risk tolerance, and investment horizon.

9. Third-Party Links and Services

Our Platform may contain links to third-party websites or services. We do not control or endorse these third parties and are not responsible for their content, privacy practices, or terms of service. Use of third-party services is at your own risk.

10. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information. By using ClearMF, you consent to our privacy practices.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on the Platform. Your continued use after changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

12. Termination

We reserve the right to suspend or terminate your access to the Platform at any time, for any reason, including violation of these Terms. Upon termination, you must cease all use of the Platform.

13. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Any disputes arising from these Terms or use of the Platform shall be subject to the exclusive jurisdiction of courts in [Your City], India.

14. Contact Information

If you have questions about these Terms, please contact us: