Most Important Terms & Conditions

Terms and Conditions

1. The Investment Adviser (IA) shall only accept payments towards its fees for Investment Advisory Services and is not permitted to accept funds or securities in its account on the client's behalf.
2. The IA does not guarantee returns, accuracy, or risk-free investments. All advice is subject to market risks, and there is no assurance of any returns or profits.
3. Any assured / guaranteed / fixed returns schemes are prohibited by law. No scheme of this nature shall be offered to the client by the IA.
4. Investment advice related only to securities falls under SEBI's purview. For services outside SEBI's scope, the IA shall make appropriate disclosures and obtain a declaration from the client that no recourse is available with SEBI for grievances related to such services.
5. The IA cannot execute any trade (purchase / sell) on behalf of the client without specific and positive consent on every trade. Clients are advised not to permit the IA to execute any trade without explicit consent.
6. The fee charged will be subject to the maximum amount prescribed by SEBI / IAASB from time to time (applicable only for Individual and HUF Clients).
7. The IA may charge fees in advance (maximum two quarters as per SEBI). On premature termination, the client is entitled to a proportionate refund for the unexpired period. The IA may retain a maximum breakage fee of one-quarter fee.
8. Fees may be paid via cheque, online bank transfer, or UPI. Cash payment is not allowed. Payments may also be made through CeFCoM, managed by BSE Limited.
9. The client is required to share financial information (e.g. income, investments, liabilities) with the IA to enable provision of services.
10. The IA is required to carry out risk profiling and suitability analysis before providing services and on an ongoing basis. The assessed risk profile will be communicated to the client.
11. Conflict of Interest: The client or client's family members will not be provided distribution services by the IA or its group entities. The IA shall advise direct plans (non-commission based) wherever available, and shall promptly inform the client of any conflict of interest.
12. Grievance Redressal:Step 1 — Contact the IA directly

    Designation	Name	Phone	Email	Hours
    Grievance Officer	Mr. Jash Koradia	+91 9819982121	jash.k@pivotmoney.app	10 AM–5 PM, Mon–Fri
    Compliance Officer	Mr. Shashin Koradia	+91 9819982121	support@pivotmoney.app	10 AM–5 PM, Mon–Fri
    Principal Officer	Mr. Jash Koradia	+91 9819982121	jash.k@pivotmoney.app	10 AM–5 PM, Mon–Fri

    Address: 1018, Hubtown Solaris, N. S. Phadke Marg, Andheri East, Mumbai – 400 069

    Step 2 — SEBI SCORES Platform

    If unsatisfied with the IA's resolution, lodge a grievance at www.scores.sebi.gov.in.

    Step 3 — Online Dispute Resolution

    If still unresolved, use the Smart ODR portal at smartodr.in.

13. SEBI registration, enlistment with IAASB, and NISM certification do not guarantee performance or assure returns to the client.
14. Clients must keep contact details — including email ID and mobile number(s) — updated with the IA at all times.
15. The IA shall never ask for login credentials or OTPs for Trading, Demat, or Bank Accounts. Never share such information with anyone, including the IA.

Regulatory Disclosure