Terms & Conditions

Welcome to SIB Financial Private Limited. By accessing or using our services, you agree to be bound by these Terms and Conditions. Please read them carefully.

1. Acceptance of Terms

By creating an account and using SIB Financial's investment platform, mobile application, or website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy.

2. Definitions

• "Company" refers to SIB Financial Private Limited
• "Platform" refers to our website, mobile application, and all related services
• "User" refers to any individual or entity using our services
• "Services" refers to all investment products including SIP, Gold Investment, MIS, and Loan facilities

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of India
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information during registration
• Comply with all applicable laws and regulations

4. Account Registration

4.1 Account Creation

You agree to provide accurate, current, and complete information during registration and keep your account information updated.

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

5. Investment Products & Services

5.1 SIP (Systematic Investment Plan)

Our SIP offerings allow you to invest systematically with options for daily, weekly, or monthly contributions. Investment amounts, tenure, and returns are subject to the specific plan selected.

5.2 Gold Investment

Digital gold investments are backed by physical 24K gold stored in secure vaults. Gold prices fluctuate based on market rates.

5.3 MIS (Monthly Income Scheme)

Monthly Income Schemes provide regular income payouts. Terms, returns, and maturity periods vary by plan.

5.4 Loan Services

Loans are provided against your investments. Interest rates, tenure, and loan amounts are determined based on your investment portfolio.

6. Investment Risks

IMPORTANT: All investments carry inherent risks.

You acknowledge that:

• Past performance does not guarantee future results
• Market conditions can affect your investment returns
• The Company is not liable for market losses

7. Fees and Charges

Our fee structure includes:

• Account maintenance fees (if applicable)
• Transaction charges as disclosed at the time of transaction
• Premature withdrawal penalties
• Processing fees for loans

All fees will be clearly disclosed before you complete any transaction.

8. Withdrawals and Redemptions

Withdrawal requests are processed according to the following terms:

• Processing time: 3-7 business days
• Minimum withdrawal amount may apply
• Premature withdrawal penalties as per plan terms
• Funds will be transferred to your registered bank account only

9. KYC and Compliance

You agree to:

• Complete KYC (Know Your Customer) verification
• Provide valid identity and address proof
• Update your KYC details when required
• Comply with anti-money laundering regulations

10. Prohibited Activities

You may not:

• Use the platform for illegal activities
• Provide false or misleading information
• Transfer your account to another person
• Use automated systems to access the platform
• Attempt to manipulate prices or market conditions

11. Intellectual Property

All content, trademarks, logos, and intellectual property on our platform are owned by SIB Financial Private Limited. You may not reproduce, distribute, or create derivative works without our written permission.

12. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, or consequential damages
• Our total liability shall not exceed the fees paid by you in the last 12 months
• We are not responsible for third-party services or platform downtime

13. Termination

13.1 By You

You may close your account at any time, subject to settlement of all pending transactions and obligations.

13.2 By Us

We reserve the right to suspend or terminate your account if you:

• Violate these Terms & Conditions
• Engage in fraudulent activities
• Provide false information
• Fail to comply with legal requirements

14. Dispute Resolution

Any disputes arising from these terms shall be resolved through:

1. Good faith negotiations
2. Mediation (if negotiations fail)
3. Arbitration under Indian Arbitration laws
4. Courts in [Your City], India shall have exclusive jurisdiction

15. Governing Law

These Terms & Conditions are governed by the laws of India. Any legal proceedings shall be subject to the exclusive jurisdiction of courts in [Your City], India.

16. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Users will be notified of significant changes via email or platform notifications. Continued use of our services after changes constitutes acceptance of the new terms.

17. Contact Information

For questions about these Terms & Conditions, please contact us at:

SIB Financial Private Limited
Email: legal@sibfinancial.com
Phone: +91-XXXXXXXXXX
Address: [Your Complete Address]

Acknowledgment: By using SIB Financial's services, you confirm that you have read, understood, and agree to these Terms & Conditions.