Terms & Conditions

1. Acceptance of these terms

These Terms & Conditions ("Terms") govern your access to and use of the Paisova website, content, tools, and services (together, the "Services"). By using the Services, you confirm that you have read, understood, and agree to these Terms. If you do not agree, please do not use the Services.

2. Who we are

Paisova is a brand operated by Lucid Business Ventures Private Limited. We help investors discover and access financial products — including mutual funds, unlisted and pre-IPO shares, and other opportunities — primarily as a distributor and referral partner working on a commission basis with product providers and platforms.

Paisova is not a SEBI-registered Investment Adviser or Portfolio Manager, and nothing on this website should be treated as personalised investment advice. You can learn more about our approach on our About Us page.

3. Information, not advice

All content on Paisova — articles, tools, calculators, and market commentary — is provided for general educational and informational purposes only. It does not constitute investment, legal, tax, or financial advice, nor a recommendation or solicitation to buy or sell any security or product.

You are responsible for your own investment decisions. Before investing, you should consider your personal circumstances and, where appropriate, consult a qualified, registered professional.

4. Eligibility

You must be at least 18 years of age and legally capable of entering into a binding contract under Indian law to use the Services. By using Paisova, you represent that you meet these requirements and that all information you provide is accurate.

5. Investment risks

Investments are subject to market risks. The value of investments can go down as well as up, and you may get back less than you invested. Past performance is not a reliable indicator of future results, and no returns are assured or guaranteed. Certain products, such as unlisted and pre-IPO shares and derivatives, carry higher risks including illiquidity and loss of capital.

6. Third-party products and platforms

Where we facilitate access to products or platforms operated by third parties, those products are governed by the third party's own terms, documents, and risk disclosures. Paisova does not control and is not responsible for the products, decisions, or conduct of these third parties. You should read all offer and scheme-related documents carefully before investing.

7. Our commissions and disclosures

Paisova may earn commissions, referral fees, or similar compensation from product providers and platforms when you invest through us. This is how we are primarily remunerated. We aim to be transparent about this; however, you acknowledge that such arrangements exist and that they do not create an advisory relationship between you and Paisova.

8. Your responsibilities

When using the Services, you agree not to:

• Provide false, misleading, or incomplete information;
• Use the Services for any unlawful, fraudulent, or unauthorised purpose;
• Attempt to disrupt, damage, or gain unauthorised access to the website or its systems;
• Reproduce, copy, or redistribute our content without permission.

9. Intellectual property

All content on this website — including text, graphics, logos, and the Paisova brand — is owned by or licensed to Lucid Business Ventures Private Limited and is protected by applicable intellectual property laws. You may not use it without our prior written consent, except for personal, non-commercial reference.

10. Limitation of liability

To the maximum extent permitted by law, Paisova and Lucid Business Ventures Private Limited shall not be liable for any direct, indirect, incidental, or consequential loss arising from your use of the Services, reliance on any content, or any investment decision you make. The Services are provided on an "as is" and "as available" basis.

11. Indemnification

You agree to indemnify and hold harmless Paisova, Lucid Business Ventures Private Limited, and its team from any claims, losses, or expenses arising out of your misuse of the Services or your breach of these Terms.

12. Changes to these terms

We may update these Terms from time to time. Any changes will be posted on this page with a revised "Last updated" date. Your continued use of the Services after changes are posted constitutes acceptance of the updated Terms.

13. Governing law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts of New Delhi, India.

14. Contact us

If you have questions about these Terms, please get in touch. You can also read our Privacy Policy to understand how we handle your data.