Terms and Conditions (T&C)

Introduction

In the interest of providing quality digital infrastructure to distributors at low cost, MFD Universe was launched by Optimum Financial Solutions Pvt. Ltd. (also referred as “we” / “our” / “us” in this content).

Distributors are termed as distributor / MFD / client / You / customer in this content.

Please read these Terms of Use carefully before You start to use Our Product(s) & Service(s) or Websites, as these will apply to Your use of the Service(s) and Our Websites. Please check these Terms from time to time to take notice of any changes we made, as they will be binding on You.

By using MFD Universe & the services provided by Optimum Financial Solutions Pvt. Ltd., You agree to be bound to understand and agree to the Terms & Conditions (Terms of Service) and Disclaimers mentioned over here as well as elsewhere in any content distributed by Optimum Financial Solutions Pvt. Ltd.

You also agree and take responsibility of periodically visiting this page to check the current terms of service & usage.

The path for the terms of service is also mentioned in the Letter of Engagement which is sent to You after subscription.

Click Here for Letter of Engagement or contact our sales team on sales@optimumfintech.com.

Abbreviations

We / OFS / OFSPL / Optimum refers to Optimum Financial Solutions Pvt. Ltd.
MFD refers to The User / Mutual Fund Distributor / Customer (Optimum’s Customer).
You refers to The User / Distributor / Customer / MFD.
Your refers to Distributor’s / User’s / Customer’s / MFD’s.
Investor refers to Your Client.
AMC refers to Asset Management Company.
UCC refers to Unique Client Code.
RTA refers to Registrar and Transfer Agent.
CAMS refers to Computer Age Management Services.
Franklin refers to Franklin Templeton India RTA.
Sundaram refers to Sundaram BNP Paribas Fund Services Limited.
kFintech refers to kFintech Mutual Fund Services.
BSE / BSE StAR MF refers to Bombay Stock Exchange (BSE StAR Mutual Funds Platform).
NSE / NSE Invest refers to National Stock Exchange (NSE Invest Mutual Funds Platform).
SIP refers to Systematic Investment Plans.
STP refers to Systematic Transfer Plans.
SWP refers to Systematic Withdrawal Plans.
CKYC refers to Central KYC Registry.
KRA refers to KYC Registration Agency.
CVL refers to CDSL Ventures Limited (CVL).
NAV refers to Net Asset Value.
FATCA refers to Foreign Account Tax Compliance Act.
Product refers to MFD Universe Platform.
Mailback refers to Mailback Services of RTA, whose account is available with every MFD.
ARN refers to Your ARN code, i.e. AMFI Registration Number.
EUIN refers to Employee Unique Identification Number provided by AMFI.
AUM refers to Asset Under Management.
MFD Universe refers to the platform / portal / software / application You are subscribing to or have subscribed to.
AMC Charges refers to Annual Maintenance Charges, also known as Subscription Renewal Charges.
AOF refers to Account Opening Form.
Client On-Boarding Module refers to Sign Up / Create Account module.
API refers to the application programming interfaces developed, enabled by or licensed to Us that permits a User to access certain functionality provided by the Service(s).

General Terms of Use

You acknowledge that the software and hardware underlying the product, and all services associated with it as well as other Internet related software which are required for accessing the platform, website or app are the legal property of Optimum Financial Solutions Pvt. Ltd.

The permission given by us to access the platform, website or app will not convey any proprietary or ownership rights of the customer. You agree that you shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software/hardware underlying the website or create any derivative product based on the software/hardware.

You understand and accept that not all the products and services offered by Optimum Financial Solutions are available in all geographic areas and you may not be eligible for all the products or services offered by us.

Optimum Financial Solutions reserves the right to determine the availability and eligibility for any product or service offered.

You understand and accept that OFS will not be responsible for the availability of content or other services on third-party sites linked from its products or website.

You are aware that access of hyperlinks to other sites are at your own risk and the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored or endorsed by Optimum.

Optimum does not make any warranties and expressly disclaims all warranties express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non-infringement with respect to any information or services or products that are available or advertised or sold through these third-party websites.

Transactional Capabilities

All transactions take place through the MFD Universe platform, uses BSE StAR MF platform or NSE Invest platform (MFD model) as Opt-In by the Distributor (Customer) during subscription of the platform.

In-case You do not register with BSE StAR MF or NSE Invest, the online transaction facility will not be available.

The login credentials of Your BSE StAR MF or NSE Invest account should be saved in the application and should be updated timely to avail online transaction facility.

You need to register and get empanelled with the BSE StAR MF or NSE Invest MFD platform, by paying the registration cost (if any).

For more information on BSE, visit the Mutual Fund (StAR MF) Segment under Members Menu on BSE India .

Optimum Financial Solutions will not bear any cost incurred with registration with BSE StAR MF or NSE Invest.

Optimum Financial Solutions does not hold responsibility for any operational or compliance related issues.

Optimum Financial Solutions Pvt. Ltd. will keep updating and make the necessary changes as and when API changes are provided by BSE StAR MF or NSE Invest platform related to all the transactional features.

Schemes available on BSE StAR MF or NSE Invest will only be allowed for online transactions in the application.

For BSE scheme master, please visit www.bsestarmf.in .

You need to communicate with the BSE StAR MF or NSE Invest team for any concerns with Your BSE StAR MF or NSE Invest account.

Please read all BSE StAR MF or NSE Invest disclaimers, T&C and other relevant information that may be associated.

The investor (Your client) has to be KYC compliant to invest into mutual funds.

Transactions are only possible if Your client (investor) is KYC compliant and UCC (Unique Client Code) is available in MFD Universe platform as well as BSE StAR MF or NSE Invest account.

Product Points

MFD Universe is a standard product where individual customisation is not allowed. However, we will be enhancing the product with features which are in deemed interest of the distributor. We will not be taking any customization individually; collectively we will deploy new features as and when they get developed.
No Customisation or Change Requests in the Mobile App or Web Portal (where MFD & Investors login) will be considered. Enhancements which would be of deemed interest of MFD and will help in product improvement are welcomed.
In case of changes in design also, no customisation will be allowed for any user. However, changes would be made if OFSPL finds that there is a change required which will improvise the product.
We may update the Service(s) from time to time and You may receive notifications of such upgrades, enhancements or updates (“Updates”). Any new or modified features added to or augmenting or otherwise modifying the Service(s) or other updates, modifications or enhancements to the Service(s) are also subject to these Terms and We reserve the right to deploy Updates at any time.
Optimum Financial Solutions will upload data only upto 4 ARNs (1 Primary ARN and 3 Additional ARN).
Transactions facility will be available only for the primary ARN and primary EUIN provided by You.
Change of ARN for transactional capabilities is not possible.
The base cost proposed is only for 1 primary ARN. Additional ARNs will be charged separately.
Additional ARN will only be integrated for Data Purposes. Additional / Secondary ARN cannot be used for Transactions.
Data of all ARNs will be shown as clubbed together and only Primary ARN will be displayed, if it may have to.

The Cost of the Product Does Not Include

Cost of Domain Name.
Cost of Google Play Store account and cost of App Development / Deployment in PlayStore.
Cost of the iOS Apple App Store account and cost of App Development / Deployment in AppStore.
Other costs like:
1. Business email account.
2. Any change in commercials for using transaction services of the BSE StAR MF or NSE Invest platform.
3. Domain renewal cost if domain is available and maintained by the MFD, i.e. You.
4. Domain redemption fee. Visit the ICANN website for domain redemption fee & its regulations. or Click Here .

In-case for any reason, You discontinue being associated with Optimum and its products and services, the database and all Your records will be deleted from our side and the same will be intimated to You.

In-case You do not pay the subscription renewal fees, also known as Annual Maintenance Charges, the product & services will be discontinued, all Your data will be deleted and Optimum will not hold any responsibility for Your data available with us.

If the domain name is booked by us for You, to host the platform under that domain name, the domain will also be lost.

In-case You do not want to continue with our services but want the same domain to be transferred to You, then You need to pay a transfer fee of Rs. 699 (+ Taxes) to Optimum along with the domain renewal charges to Optimum so that Optimum renews the domain name and then the domain name can be transferred to You in Your domain service provider account, before the expiry date of the domain.

Please read and understand the terms, conditions, regulations and more on domains from ICANN.

Your application (MFD Universe Platform) will be hosted on a Shared Server.

The MFD Universe platform uses Angular as browser-based front-end and MS-SQL is used as the back-end database. However, for any reason whatsoever, none of the data or database will be shared / provided to You.

OFSPL is associated with reliable, renowned server service providers, some of which are based in India and some outside India.

MFD Universe will not be hosted on any other server apart from whichever OFSPL is associated with.

Optimum Financial Solutions is committed to make the product (web platform) live within 15-30 days, only, after receiving data files of all RTAs along with the required information, documents and images in the desired format.

Getting the Mobile App live may take longer.

It is Your responsibility to consistently be in touch and cooperate with the Customer Support Team and get the product live at the earliest.

Your Brand Name – White Labeled Platform

As MFD Universe is a complete white labeled product, You need to have a domain name, i.e. the name on which the product will be live and accessible.

For example, if Your company name is Optimum Advisors, Your domain name can be something similar to optimumadvisors.com or optimumadvisors.in.

If You have an existing domain, You need to share the Control Panel details of Your domain account so that we can do the required settings.

If You already have a site or application hosted on Your domain, You can opt-in to create a sub-domain and we can host MFD Universe platform on that sub-domain.

For example, if You already have Your own website named optimumadvisors.com, You would be able to create a sub-domain like portfolio.optimumadvisors.com or wealth.optimumadvisors.com and host the platform.

It is important that the domain account should allow such settings.

Also note that Optimum will not coordinate with any other service provider, vendor or person with whom Your domain may be available. Optimum will only communicate with You.

Security of the Platform

You can secure Your platform by adding SSL certification to it, i.e. HTTPS and a secure padlock to Your URL.

An SSL (Secure Sockets Layer) certificate is a digital certificate that authenticates the identity of a website and encrypts information sent to the server using SSL technology.

Optimum Financial Solutions can install and configure SSL for Your platform. Installation & Configuration of SSL is a chargeable service.

You can talk to the Customer Support Team for the service charge.

Starting 01st July 2023, Optimum Financial Solutions provides end-to-end installation and configuration of SSL.

You can subscribe to the service which includes buying, installing, configuration and support on SSL. Optimum strives its best to provide this service at a reasonable cost.

If You want to buy SSL on Your own and want Optimum Financial Solutions Pvt. Ltd. to only install & configure it, You can do so by paying the installation & configuration charges.

If You are buying the SSL on Your own, Optimum recommends an SSL certificate to be purchased from GoDaddy Operating Company, LLC.

Please note that Free SSLs and SSL services from service providers like Cloudflare are not supported.

Please talk to the Customer Support Team before purchasing SSL.

Optimum Financial Solutions will not hold any responsibility if the SSL purchased by You is not installed/configured by Optimum, for any reason.

Access to Platform, Mobile App and All Associate Services

You may not be able to access or use the Service(s):

During downtime for upgrades and maintenance to the Service(s), of which we will use commercially reasonable efforts to notify You in advance through WhatsApp or Email notifications; or
During any unavailability caused by circumstances beyond Our reasonable control, such as, but not limited to, acts of God, acts of government, acts of terror or civil unrest, technical failures beyond Our reasonable control (including, without limitation, inability to access the internet), or acts undertaken by third parties, including, without limitation, distributed denial of service attacks.

Other Services

Certain other services (“Other Services”) such as integrations, Apps and Custom Apps are made available to You through the Market Place or other forums where applications are developed for their integration with the Service(s).

You have the option to enable these Other Services and integrate them into Our Service(s). These Other Services are governed by their own terms and privacy policies and You agree that We are not responsible for Your use of these Other Services.

By enabling the Other Services, You understand and agree that We do not provide any warranties whatsoever for Other Services and We are not liable for any damage or loss caused or alleged to be caused by or in connection with Your enablement, access or use of any such Other Services, or Your reliance on the privacy practices, data security processes or other policies of such Other Services.

You understand that We are not responsible for providing technical support for Other Services, including information or training about BSE StAR MF or NSE Invest features.

We are also not responsible for the data hosting and data transfer practices followed by providers of such Other Services.

To this extent, You shall address any comments, queries, complaints or feedback about such Other Services to the respective developers or publishers as specified in the Market Place or other forums.

Mobile App

You need to send us Your company / business logo in PNG format in high resolution, in the below given dimensions. These logos would be used for branding in the web application and Mobile Application. We do not create or edit logos.

Logo Requirements

File 1 – Web Application: 200 x 100 dpi – width x height. This logo must have a white border frame. Filename should be Companylogo.png.
File 2 – Mobile Application: 1920 x 1080 dpi – width x height.
File 3 – Mobile Application: 1080 x 1920 dpi – width x height.
File 4 – Mobile Application: 512 x 512 dpi – width x height.

Register Your Mobile App Account

Optimum Financial Solutions will publish/deploy the Mobile App under the developer account owned by Optimum.

In-case You wish to have Your own developer account, You need to Sign Up to a developer account with a new Gmail Account and make the payment to Google.

It is advisable to check Google Policies before You make the payment. Also ensure that You make the payment with a newly created Gmail ID.

Once the account is created, You need to share the credentials of that account so that we can publish the app and update it eventually whenever required.

Also, You need to add our developer account as a User in Your account with full permissions so that we can publish the app and update it eventually whenever required.

Optimum cannot be held responsible if Your app is removed or unpublished by Google for any reason which is beyond the control of Optimum.

Optimum will do its best to publish/update Apps whenever necessary.

If the App is deployed under Your account, You need to pay an additional service charge of Rs. 2500/- + GST every year to Optimum and You need to add an email address provided by Optimum and provide full access to make the necessary changes.

Once the app is deployed under Optimum’s developer account, and if You need to get the App transferred from Optimum’s account to Your developer account, then You need to pay a transfer fee of Rs. 2500/- + GST.

In any circumstances, Optimum Financial Solutions will not make any App transfers to any other account, except for the one that is owned by You, the MFD.

Google Play Store Account Signup Link

You need to help us with the Short Description of up-to 80 characters about Your business profile. Also inform us the name under which Your app needs to be registered on Google Play Store.

Users will use this name to download the application. Before providing us the name, we request You to check Google Play Store policies.

Click Here to know and understand the Google App policies to prevent App Rejection.

For iOS Apple App Development, please talk to the Optimum Customer Support Team.

Data Feeds and Operations

All data feeds are fetched from respective RTAs, i.e. CAMS & kFintech through Mailback services registered by You, i.e. the distributor.

In case of any failure or discrepancy in data received from the respective RTAs, Optimum Financial Solutions Pvt. Ltd. cannot be held responsible; however, we would take our best efforts to upload/re-upload the data feeds to rectify the issue once it is brought into notice and identified.

You agree to set filter/forwarding rules in the email account registered at Mailback services so that respective communication / data feeds are received to Optimum Financial Solutions for uploading the data feeds in the software.

In case You do not have a Gmail ID registered at RTA, we request You to get a Gmail ID registered. Post that, we shall apply a forwarding rule on that email ID so that we could receive data files and we will be able to upload those data files.

You agree that any changes related to the login credentials or security changes at Mailback services of the respective RTAs shall be communicated to Optimum Financial Solutions Pvt. Ltd. so that the necessary changes can be done to ensure undisturbed flow of data feeds to be received.

Failure of sharing the change in login credentials/security changes may lead to discrepancy in data records or values in the software.

You understand and agree that any inappropriate data like mismatch in scheme codes or scheme names received from the data feeds from respective RTAs would lead to duplicate or difference or missing records in the portfolio/reports in the software.

You understand and agree that any inappropriate data like missing records / mismatch in scheme codes / scheme names / PAN number / change of broker code / transaction reversal data / investor master information received from the data feeds from respective RTAs would lead to discrepancy in data.

If You have been given Operations Login, then it is Your responsibility to upload missing data and rectify any data issues You may have observed.

Master & SIP files for all RTAs will be uploaded once in a month, manually by Optimum.

AUM Values are calculated on the basis of transactions uploaded in the system.

Optimum Financial Solutions will not consider requests of data uploading, apart from whatever is committed / mentioned by Optimum.

Any valuations / records quoted are the most recent available to us, according to the data received from Your RTA logins.

Optimum Financial Solutions does not guarantee 100% accuracy of any values / figures as these records are dependent on the data received from Your distributor RTA login.

The report output is generated by computer, using the Mailback data received from the respective registrars. Please report to the Customer Support Team immediately for any discrepancy found.

Optimum Financial Solutions strives to keep our records updated at all times. However, there may be delays in updating the records for some or the other reason, or there may be changes which we are not aware of or not available with us.

If the distributor / clients come across any errors or omissions, it should be brought to our notice immediately.

Optimum Financial Solutions Pvt. Ltd. will not accept liability for any claims for damages or loss arising from an inaccurate record or discrepancy in any record or any error / bug in the application.

You understand and agree that You need to check the application on Your own and verify that the data is correct.

Any discrepancy / error found should be reported through email to Optimum immediately.

How is Data Fetched and Uploaded? What Are Important Things to Know?

You need to activate Your MailBack services under Your account of all registrars, i.e. CAMS & kFintech. A mandate is an Auto Schedule service under Your MailBack Services of CAMS & kFintech.
Once You activate Mailback Services, whenever You request data feed files by logging in into Your respective RTA account, these files are sent to Your registered Email ID. If we have Your RTA Mailback login credentials, we request the files on Your behalf.
For Transaction Data Feeds, an Auto-Mandate is set under Your MailBack Services of registrars so that data feeds are regularly received on Your registered email ID. This service, known as Mandate, is activated and scheduled in Your RTA account which automatically sends Daily Transactional Data Files on a scheduled basis, i.e. daily, to Your registered Email ID.
If Your registered email ID is a Gmail account, for example abc@gmail.com, Team Optimum sets an auto-forwarding rule on such data file emails received on Your email from CAMS & kFintech so that these emails are automatically forwarded from Your email ID and received to Optimum Financial Solutions email ID.

Once these data feed emails are received to Optimum, the system fetches these data feed files and then uploads them into Your application.

Investor’s Basic Information like DOB, Mobile and Email ID is fetched from the Master file received from Your Mailback Services of RTA.
Master files are uploaded manually once a month by Optimum.
Investor’s Transactional Information is fetched and calculated on the basis of the Transaction File uploaded.
CAMS & kFintech transaction data feed files are regularly updated by Optimum (i.e. Transaction Day + up to 2 business days).
In-case Master file is not uploaded, Clients will be created on the basis of unique PAN numbers received in the Transaction file whenever uploaded.
In-case PAN number is not received in the file, the system will create a DUMMY PAN and then create a client.
The SIP booked (SIP registered) data is fetched on the basis of SIP files received from RTA & uploaded in the application.
Monthly SIP data feeds of all RTAs are manually uploaded once a month by Optimum.
Your AUM is shown on the basis of transaction files received from RTA and uploaded in the application.
You need to map the missing/incorrect schemes to the correct one, if any, to avoid data discrepancy, if Operations Login access is available to You.

Change of Broker Cases

In case of change of ARN numbers, You need to request WBR2A file of CAMS (of specific date range when broker change happened) and upload it or talk to the Customer Support Team.

Important Note: To get the updated records of SIPs booked, Total AUM, Master Client Information or Transactional Data and to avoid data discrepancy, You can Yourself request data feed files from RTA & upload them on a regular basis, if Operations Login is available with You.

Optimum will not be responsible for any discrepancy in investment portfolio or in any other reports.

The data is fetched from RTA & Optimum uploads it the same way as it is available in the files received to Optimum from Your email.

If You are unable to see certain AMC in AUM feeds, especially of CAMS, then please write to CAMS to include those AMC in Mailback Services.

Once such AMC are included in Your Mailback Services, please inform us so that we can request the data files for those AMC which were missing earlier and the same can be uploaded so that You see AUM across those AMC in which You have done business.

For example, until now, You did not do business in DSP MF and hence it is by default not included in Your Mailback Services by CAMS. But as soon as You do business, You would like to get this data as well. Since it is not included by default, the AMC data will not be received in the RTA data feeds.

You need to communicate with CAMS and include such AMC data in Your Mailback Services.

Support Services

Customer Support will be available on Business Days, from Monday to Friday, 10 a.m. to 6 p.m.

Before calling directly to the Customer Support Team, You are advised to email Your query to handle it efficiently.

At times, if required, emails might be addressed beyond business hours.

Conversations may be recorded for quality and improvement purposes.

You understand and agree that, for support purposes, Team Optimum may install and use Remote Desktop Management Services, i.e. Screen Sharing & Controlling Third Party applications whenever required.

While these systems are safe and Team Optimum takes utmost care while operating these systems/applications, Optimum Financial Solutions does not take any responsibility for any loss in any form or substance that may occur due to use of such systems/applications.

Anything related to marketing activities like SEO, Google Analytics, Social Media Marketing and other such activities will be the responsibility of the customer and needs to be managed by the customer.

The customer can connect with professionals / freelancers / companies having expertise in digital marketing. Optimum Financial Solutions Pvt. Ltd. will not be able to provide support for such activities.

We highly recommend subscribing to Mobile App for an On-The-Go experience to Your clients.

The web version of the platform supports Google Chrome browser only.

In case You wish to use the web application of the platform in Your Mobile Google Chrome browser, You need to go to the Desktop Site View option available in the settings of the browser.

However, we highly recommend subscribing to the Mobile App for a pleasant experience.

Optimum Financial Solutions will try their best to respond to reported queries at the earliest; however, it may take up to 4 business days.

To fix a reported issue that may require changes at database level, Optimum will strive to resolve the issue within 7 business days.

Database level changes simply means changes that may not need deployment of a new version.

To fix a reported issue, if changes are required to be made at the code level of the application, which may need deployment of a new version, it may take more time compared to issues which can be resolved at database level.

Please consult the Customer Service Team for estimated resolution time of such issues.

Issues which can be resolved by the Customer Support Team have a turnaround time of 2-7 business days depending on the type.

If a new version is released, the same shall be intimated to the distributor / client. The distributor needs to check the application and revert within 2 business days and consult the Customer Service Team whether a version rollback is possible or fixation / resolution shall be done.

The SMS, if any, used for intimation and notifications sent through the platform to Your clients, for example OTP SMS, will be standard with a default Sender ID. Individual Sender IDs cannot be configured for MFD Universe.

Optimum Financial Solutions will not be responsible for any changes made by Google Incorporation, Apple Incorporation, BSE StAR MF or NSE Invest or any other third-party changes which impact operations of MFD Universe Platform.

Subscription Renewal

You understand and agree that the Annual Maintenance Contract charges (AMC) would be applicable from next year with reference to the product purchased / subscribed date.

For example, if You subscribed to the product on 24th July 2025, the service will end on 23rd July 2026 (12 midnight) and the Annual Maintenance Charges would be applicable for renewal on 24th July 2026.

The Annual Subscription Renewal Charges only includes MFD Universe platform services. This does not include Website Services, Additional Modules, Additional ARN charges, Sub-Broker Module, Employee Module or other services taken from Optimum.

You should pay the AMC charges at least one day in advance of Your annual subscription date.

In-case the payment is not received on that day, access to the portal will be denied and You will not be able to use the platform until the payment is done and the services are resumed.

You also risk Your domain services.

A domain name can be renewed within 7 days even after its expiry; however, the same is not guaranteed as Domain Services are third-party services, like GoDaddy.com.

In-case the domain expires, Optimum will not be responsible for any charges incurred for the same domain regain.

For more information on domains, please visit GoDaddy .

The Annual Subscription Renewal charges are subject to change at any time since there may be an increase in operational & maintenance cost of the product & services offered.

Team Optimum would provide the best possible services. However, in-case for any reason, if You wish to discontinue with the services, You may discontinue it before the subscription renewal date to avoid charges for the annual subscription.

Others

You acknowledge that the software and hardware underlying the product, and all services associated with it as well as other Internet related software which are required for accessing the platform, website or app are the legal property of Optimum Financial Solutions Pvt. Ltd.
The permission given by us to access the platform, website or app will not convey any proprietary or ownership rights of the customer. You agree that You shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software/hardware underlying the website or create any derivative product based on the software/hardware.
You understand and accept that not all the products and services offered by Optimum Financial Solutions are available in all geographic areas and You may not be eligible for all the products or services offered by us.
Optimum Financial Solutions reserves the right to determine the availability and eligibility for any product or service offered.
You understand and accept that OFS will not be responsible for the availability of content or other services on third-party sites linked from its products or website.
You are aware that access of hyperlinks to other sites are at Your own risk and the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored or endorsed by Optimum.
Optimum does not make any warranties and expressly disclaims all warranties express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non-infringement with respect to any information or services or products that are available or advertised or sold through these third-party websites.
Optimum Financial Solutions Pvt. Ltd. will not be responsible for any incidental or consequential, collateral, special damage that occurred during the usage of products and services.
Optimum Financial Solutions Pvt. Ltd. does not have a refund policy; hence no amount would be refunded.
In-case of Private Limited, LLPs or Partnership firms, Corporate ARNs, if there is any dispute with respect to the ownership of the account (subscription associated with Optimum), Optimum reserves all rights to temporarily suspend the services until the dispute of any manner is settled and Optimum receives written intimation and consent with valid documentation of the “Henceforth Owner” of the subscription.
If for any reason such disputes are not settled, Optimum may discontinue the services permanently, with or without prior intimation.
In such cases, there would be no leverage / courtesy given for the unused service, neither monetary nor serviceable.
OFSPL reserves the right to withdraw support on the product and services offered, if the user is found defaulted in any of the terms and conditions mentioned herein or in the Letter of Engagement sent to its customers while subscribing to the product and services.
OFSPL reserves the right to make changes in the product and services offered without any prior notice to its customers and users.
Accordingly, the specifications mentioned in the product brochures, if any, may vary from the actual product.
OFSPL reserves the right to amend, add or remove the terms and conditions without any prior notice to its customers.
By subscribing to the product, i.e. by buying the product, You are only subscribing to use the product. Copyrights of the product belong exclusively to Optimum Financial Solutions Pvt. Ltd.
Any attempt to infringe the copyrights shall terminate the subscription of the product and its services, and risk legal action.
By visiting Optimum Financial Solution’s website, its pages or by subscribing to any of the products and services offered by Optimum Financial Solutions Pvt. Ltd., You are giving Your consent to us to contact You by various communication modes, tools & software like WhatsApp, SMS, Emails, etc.
All matters related to such a transaction are subject to Mumbai Jurisdiction only.