1. Disclaimer

Money At Work is a financial education and facilitation platform. All content is for educational and informational purposes only. Investments in stocks, mutual funds, and insurance products are subject to market risk, and Money At Work does not guarantee returns or profits. Users must read all scheme and product documents carefully before investing.

2. Terms & Conditions

Introduction

By using Money At Work, you agree to these terms. If you disagree, do not use the site.

Website Use

  • Must be 18+ to access.
  • No misuse, unlawful activity, or copying content without permission.

Services

  • Education, learning, and facilitation only.
  • All investments are executed through licensed partners.
  • No personalized financial advice or guaranteed returns.

Third-Party Services

  • Links and access to SEBI-registered brokers, AMFI-registered distributors, and IRDAI-licensed agents.
  • Money At Work is not responsible for third-party actions.

Risk Acknowledgment

  • Users assume full responsibility for investment decisions.
  • Market risks, including capital loss, apply.

Intellectual Property

  • All content and trademarks belong to Money At Work.
  • Unauthorized use is prohibited.

Limitation of Liability

  • Money At Work is not liable for any direct or indirect losses, including technical failures.

Changes to Terms

  • Terms may be updated without notice. Users should review periodically.

Governing Law

  • Governed by Indian laws; disputes under Indian courts.

3. Privacy Policy

Introduction

We are committed to protecting your personal data. This policy explains what we collect and how we use it.

Information Collected

  • Personal: Name, email, phone, DOB, occupation
  • Financial: Investment goals, risk profile (voluntary)
  • Usage: IP, device info, cookies, analytics

Use of Information

  • Provide financial learning and facilitation services
  • Share updates and educational content (with consent)
  • Improve website experience
  • Comply with legal and regulatory obligations

Sharing Information

  • Only with licensed SEBI brokers, AMFI distributors, IRDAI agents, or service providers
  • We do not sell or rent data

Cookies & Tracking

  • Cookies enhance experience; disabling may reduce functionality

Data Security & Retention

  • Industry-standard security measures; data retained as needed for services or compliance

User Rights

  • Access, correct, delete, or withdraw consent
  • Contact support@moneyatwork.in for requests

Third-Party Links & Children’s Privacy

  • Not responsible for third-party sites
  • Not for users under 18

Policy Updates & Contact

  • Policy may be updated; contact support@moneyatwork.in for questions

4. Risk Disclosure Statement

  • All investment products carry market risk. Past performance does not guarantee future returns.
  • Users may lose part or all invested capital.
  • Specific risks:
    • Stocks/Equity: Volatility, liquidity, concentration
    • Mutual Funds: Market, interest rate, credit, liquidity
    • Insurance/ULIPs: Benefits depend on policy terms
    • Derivatives: High leverage risk
  • All trading facilitated via SEBI-registered brokers; leveraged trades magnify gains/losses.
  • Technical failures or connectivity issues may occur; Money At Work not liable.
  • Users responsible for investment decisions.

5. Broker-Specific RDD Summary

  • Stock market inherently risky; capital loss possible
  • Users must read broker RDD and Rights & Obligations
  • Money At Work does not execute trades directly

6. Investor Rights & Obligations

Rights

  • Transparent product information and risk disclosure
  • Receive documentation from licensed partners
  • Fair treatment, grievance escalation rights
  • Confidentiality of personal data

Obligations

  • Provide accurate personal/financial info
  • Understand risk profile and investment horizon
  • Maintain KYC compliance
  • Keep credentials confidential
  • Review statements and report discrepancies

7. SEBI / IRDAI Compliance Wording

  • Money At Work is not SEBI or IRDAI registered
  • Education and facilitation only
  • All investments through licensed partners
  • Users must verify risks and suitability independently

8. Additional Compliance

Stock Broking

  • Transactions only via SEBI-registered brokers
  • Users must accept RDD and Rights & Obligations

Mutual Funds

  • Investments only via AMFI-registered entities
  • Users must read SID, KIM, Addendums

Insurance

  • Only via IRDAI-licensed agents
  • Policy terms govern benefits and coverage

Financial Learning

  • Neutral, educational content
  • Not a substitute for advice
  • Users responsible for decisions

9. Company Registration & Regulatory Details

Please provide your company details (GST Number, CIN/LLPIN, ARN, IRDAI Partner Code, AMFI Registration, Broker Partner Registration Numbers) to complete this section.

10. Contact Information

Email: support@moneyatwork.in

Website: www.moneyatwork.in

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