Terms of Use

Experian Terms and Conditions

You hereby consent to PISTIS FINANCIAL being appointed as your authorized representative to receive your Credit Information from Experian for the purpose of Providing Financial Services to its Customers (“End Use Purpose”).

BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE EXPERIAN CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS “CREDIT INFORMATION”). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PISTIS FINANCIAL BY USING EXPERIAN TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PISTIS FINANCIAL shall access your Credit Information as your authorized representative and PISTIS FINANCIAL shall use the Credit Information for limited End Use Purpose consisting of and in relation to the services proposed to be availed by you from PISTIS FINANCIAL. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein and in furtherance to CICRA. The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly within 1 (one) Business Day of upon the completion of the transaction/ End Use Purpose for which the Credit Information report was procured. Governing Law and Jurisdiction The relationship between you and PISTIS FINANCIAL shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of Mumbai. Definitions: Capitalized terms used herein but not defined above shall have the following meanings: “Business Day” means a day (other than a public holiday) on which banks are open for general business in Mumbai. “Credit Information Report” means the credit information/scores/aggregates/variables/ inferences or reports which shall be generated by Experian; “Credit Score” means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian. “CICRA” shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder. PLEASE READ THE ABOVEMENTIONED TERMS AND CONDITIONS AND CLICK ON “ACCEPT” FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS/ SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN PHYSICAL COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH PISTIS FINANCIAL IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE. BY CLICKING “ACCEPT” YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN.

RefreshMint Terms and Conditions

Terms and Conditions of usage of this website/app (hereinafter referred to as “Platform”): “www.refreshmint.in”, between:

PISTIS Financial Services Private Limited, a company incorporated under the Companies Act,2013, having its registered office at 302, Park lane Apartments, 26th Road, Bandra-West, Mumbai- 400050 (hereinafter referred to as “RefreshMint” )and You, the User of this platform:

If you continue to browse and use this platform, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy, govern RefreshMint’s relationship with you in relation to this platform.

The term “us” or “we” refers to RefreshMint, and the term “ you” refers to the user or viewer of this platform.

The use of this platform is subject to the following terms and conditions:

You understand and accept that PISTIS Financial Services Private Limited maintains and controls the website www.refreshmint.in to provide visitors/users with information about RefreshMint and their services being marketed under the brand RefreshMint; to facilitate communication with them for their services, and other mutual fund and general investment-related information.

You also accept that visitor/user to the platform are required to read the below terms, and use of the platform constitutes your acceptance and agreement to be bound by such terms, and the changes therein from time to time, relating to your usage of the platform as communicated or made available on the platform.

You are aware and you accept that all information, content, materials, products (including, but not limited to text, content, photographs, graphics, video and audio content) on the platform is protected by copyright either in the favour of RefreshMint, or third parties from whom the appropriate permissions have been taken under applicable copyright laws and/or under general intellectual property law.

You understand and accept that all information submitted by you, except your personal information and other data submitted to carry out financial transactions in pursuance of the services rendered by RefreshMint, through the platform shall be deemed the property of RefreshMint, and RefreshMint shall be free to use any ideas, concepts, know-how or techniques provided by you at the platform, in any manner whatsoever. On initiating contact through the platform you agree to be contacted by RefreshMint, any other entities with whom RefreshMint has entered into an arrangement.

Except for your own personal and non-commercial use, you agree that you shall not copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer or in any way exploit any part of any information, content, materials, services available from or through the platform.

You agree that you will not use the platform for any purpose that is unlawful or prohibited by these Terms. You also agree you will not use the platform in any manner that could damage, disable or impair the Platform or interfere with any other party’s use, legal rights, or enjoyment of the platform.

You acknowledge that the software and hardware underlying the platform as well as other Internet-related software which are required for accessing the platform are the legal property of either RefreshMint or its respective third-party vendors. The permission given by RefreshMint to access the platform will not convey any proprietary or ownership rights in the above software/hardware. You agree that you shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software/hardware underlying the platform or create any derivative product based on such software/hardware.

You understand and accept that not all the products and services offered on this platform are available in all geographic areas and you may not be eligible for all the products or services offered by  RefreshMint on the platform. RefreshMint reserves the right to determine the availability and eligibility for any product or service offered on the platform.

You understand and accept that RefreshMint Recommendations for products are given by experts and partners of RefreshMint

Specifically for Mutual Funds, we do a periodic review with our partners on which mutual funds can be recommended to our customers' basis their profile.

For Insurance products ( General and Life) we are trained marketing partner of RFL Insurance Broking Pvt. Ltd and thus can recommend products related to insurance

For loans and Tax services, we use our internal research to determine the best product.

You understand and accept that RefreshMint is not responsible for the availability of content or other services on third party sites linked from the platform. You are aware that access of hyperlinks to other internet 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 RefreshMint in any way. RefreshMint 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 concerning any information or services or products that are available or advertised or sold through these third-party platforms.

If performance is prevented, hindered or delayed by a Force Majeure event (as defined below), RefreshMint shall not be liable for any failure to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities, and in such case, its obligations shall be suspended for so long as the Force Majeure event continues. “Force Majeure Event” means any event, due to any cause beyond the reasonable control of RefreshMint, including without limitations, unavailability of any communication systems, breach, or virus in the digital processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication, etc.

By using the services provided through this platform, you shall be deemed to have accepted the Terms and Conditions herein including the amended terms and conditions published on the platform from time to time.

Additionally, by continuing using the platform or services of RefreshMint you are confirming that:

You are 18 years of age or older and where you are acting as Guardian on behalf of a minor, you have the necessary authority to register/sign up for the services on behalf of the minor.

You have understood and agreed to abide by the terms of the Investment Services Agreement and other service-specific agreements thereunder. This agreement is part of the other service-specific agreement once you confirm your registration.

You have read and understood the Privacy Policy published on the platform. The information you provide when you register on the platform is true and correct.

RefreshMint may contact you by phone and/or WhatsApp and /or E-mail in

Governing laws the laws of India shall govern these terms and conditions including the clauses mentioned in Offer Documents. All disputes are subject, firstly, to mediation, and then by Arbitration by a sole arbitrator appointed by RefreshMint. The venue of arbitration will be Mumbai,  Court shall have exclusive jurisdiction over the disputes arising out of this Agreement.

SEBI CautionMutual Fund investments are subject to market risks, read all scheme related documents carefully.
For these terms and conditions, the term “Offer Document/s” shall refer to a collective term for Offer Document, Scheme Information Document, Statement of Additional Information, Key Information Memorandum, issued by the Asset Management Company that manages the mutual fund.

Confidentiality Except to perform its obligations under these terms and conditions and affect the transaction contemplated herein, you shall keep confidential all non-public information provided to you and shall not disclose such information to any third party except for such information which:

is or becomes generally available to the public (other than as a result of a disclosure by you);

was available to you on a non-confidential basis;

becomes available to you on a non-confidential basis from a third party who is not bound by the confidentiality contained herein or is not otherwise prohibited from transferring such information to you;

RefreshMint has permitted disclosure;

you are requested according to, or required by, law, regulation, legal process or regulatory authority to disclose;

is disclosed to your respective employees and advisors (including legal advisors) who need to know to perform its obligations hereunder and who are informed of the confidential nature of such information.

Limitation of Liability, Indemnity, and warranty:

In no event shall RefreshMint be liable to you for any loss or damage that may cause or arise from or concerning these terms and conditions or due to the use of this platform or due to investments made using this platform.

You agree to indemnify RefreshMint, its directors and employees for all the liabilities (including claims, damages, suits or legal expenses in defending itself concerning the foregoing) arising due to non-performance and/or non-observance of the duties and obligations under these terms and conditions or due to your acts or omissions.

You warrant that all the details and information provided by you to RefreshMint while using this platform (including to carry out investments) shall be correct, accurate and genuine. You further warrant that providing such details and information in the platform or sharing of the aforesaid details/information shall not violate any third party right or the intellectual property right of others.

Further, you (and all the users of this platform) shall be solely responsible for any investment decision taken by it and RefreshMint shall not be liable for any loss or damage caused to you or other users of this platform due to such investment decision, or any kind of reliance upon it.