Platform Terms & Privacy Policy

In these Terms, unless the context otherwise requires, the following capitalised terms have the meaning set out below:

• “Account” means the account created by the User on the Platform for availing the Services.
• “Applicable Laws” means all applicable statutes, enactments, acts of legislature or Parliament, laws, ordinances, rules, by-laws, regulations, notifications, guidelines, policies, directions, directives, and orders of any governmental authority, tribunal, board, or court – including, without limitation, the SEBI Act, 1992; the SEBI (Investment Advisers) Regulations, 2013; the Prevention of Money Laundering Act, 2002; the Information Technology Act, 2000; the Digital Personal Data Protection Act, 2023; the Insurance Act, 1938 and IRDAI regulations; and the Indian Contract Act, 1872.
• “Group Company / Affiliate” means any subsidiary, holding company, or affiliate of NYVO Investment Advisor, including NYVO Insurance Services LLP.
• “IA Agreement” means the Investment Advisory Agreement entered into between NYVO Investment Advisor and the Client, available at /investment-advisor-terms#advisory-agreement, which incorporates the MITC at Schedule II.
• “IAASB” means the Investment Adviser Administration and Supervisory Body recognised by SEBI; currently BSE Limited.
• “Intellectual Property Rights” means patents, trademarks, trade names, service marks, logos, internet domain names, designs, copyright, database rights, trade secrets, and other IP rights, whether registered or not.
• “MITC” means the Most Important Terms and Conditions standardised by the Industry Standards Forum and specified by SEBI from time to time, set out in Schedule II of the IA Agreement.
• “Partner” means any third-party entity (including any Group Company) integrated with the Platform – including, without limitation, NYVO Insurance Services LLP for insurance services.
• “Platform” means the digital platforms developed, owned, and / or operated by NYVO Investment Advisor under the brand name “NYVO Money”, including https://www.nyvo.money, the NYVO Investment Advisor mobile application, and any other website or sub-domain.
• “Privacy Policy” means the privacy policy of NYVO Investment Advisor available at /terms#privacy-policy, which forms an integral part of these Terms.
• “Services” means all services made available on the Platform, including (i) SEBI-registered Investment Advisory Services governed by the IA Agreement and the MITC; (ii) educational content, calculators, and digital tools; (iii) services offered by Partners.
• “Transaction” means any request made by the User on the Platform for availing a Service.
• “User” / “you” / “your” means any individual or legal entity registering on or using the Platform.
• “User Data” means any electronic text, data, messages, or other materials, including Personal Data, shared on the Platform by Users.

NYVO Investment Advisor is a SEBI-registered Investment Adviser providing investment-advisory and related digital services through the Platform. The Platform also offers educational content, calculators, research material, planning tools, and digital onboarding flows.

The exact scope of services you receive will depend on the engagement, agreement, or subscription you sign up for. Investment-advisory services are governed by the Investment Advisory Agreement and the MITC. Other services are governed by the regulatory authorisation of the relevant entity and a separate set of terms.

In order to access the Platform and avail any Services, you acknowledge and represent that:

• You are an Indian National (Indian citizen) and a tax resident of India;
• You are 18 years of age or older and capable of entering into a legally binding agreement under Applicable Laws;
• You hold an active Indian mobile number and an active Indian bank account;
• You have a valid Permanent Account Number (PAN) and are KYC-compliant in line with SEBI / PMLA requirements;
• You are not barred or otherwise legally prohibited from accessing or using the Platform or Services under Applicable Laws.

By creating an account you also agree to:

• Keep your login credentials secure;
• Accept responsibility for all activity under your account;
• Notify NYVO Investment Advisor promptly of any unauthorised use;
• Provide truthful, accurate, current, and complete information; and
• Update your KYC and contact details as required by SEBI / PMLA regulations.

NYVO Investment Advisor grants you a limited, non-exclusive, non-transferable, revocable licence to use the Platform for lawful purposes only. You may not:

• Copy, reproduce, modify, or create derivative works of Platform content without permission;
• Reverse-engineer, decompile, or extract source code;
• Circumvent security controls, rate limits, or access barriers;
• Use the Platform to send spam, malware, or unlawful content;
• Use any automated means (bots, scrapers) to extract data from the Platform; or
• Use the Platform for any unlawful or fraudulent purpose.

NYVO Investment Advisor is registered with SEBI as an Investment Adviser (SEBI IA No. INA000022172, valid 10 Apr 2026 – Perpetual; BSE Membership No. 2469). Any investment advice provided by us is based on professional judgment, available data, and applicable regulation, and is delivered through the Investment Advisory Agreement and the MITC.

The SEBI registration, enlistment with IAASB, and NISM certification do not guarantee the performance of NYVO Investment Advisor or assure returns to clients.

Clients remain responsible for their own independent evaluation and investment decisions.

For products and services that are not regulated by SEBI (e.g., insurance, deposits with NBFCs, alternative-investment products outside SEBI’s purview), you acknowledge that such products / services and our services in respect of them do not come under the regulatory purview of SEBI, and that no recourse is available to you with SEBI for any related grievances.

For Services delivered by Partners (whether Group Companies or third parties), NYVO Investment Advisor acts as a facilitator that enables your discovery of and access to such Services on the Platform. The contracting entity for any such Service is the relevant Partner, identified at the point of provision. NYVO Investment Advisor’s responsibility is limited to facilitation; it does not independently provide any product / service, advice, or assurance falling outside the scope of its SEBI Investment Adviser registration. Your relationship with such Partners is governed by their own terms of service, regulator-mandated disclosures, and grievance mechanisms.

Some Services require payment or subscription. By subscribing or purchasing, you agree to pay the applicable charges. Cash payment is not permitted. Fees may be paid through cheque, online bank transfer, UPI, or the CeFCoM mechanism of IAASB. Statutory taxes (GST etc.) are payable over and above the fee. Detailed fee terms for advisory engagements are set out in the Investment Advisory Agreement and the MITC.

Fees are non-refundable except as required by law or as agreed in writing or in the Investment Advisory Agreement (which provides for proportionate refund on pre-mature termination, less a maximum breakage fee not greater than one-quarter of the annual fee).

(a) Parties shall first attempt to resolve disputes amicably within 30 days of written notice.

(b) Failing amicable resolution, advisory-related disputes shall be resolved through the Smart ODR mechanism (smartodr.in) for online conciliation / arbitration.

(c) For other disputes, the matter shall be referred to binding arbitration under the Arbitration and Conciliation Act, 1996, before a sole arbitrator. Seat: Bengaluru, Karnataka. Language: English.

For questions, grievances, or legal notices, please contact:

NYVO Technology Private Limited
Corporate office: Classic Converge, Building No.148, Ground floor, Sector 05, HSR Layout, Bengaluru, Karnataka 560034, India
Email: hello@nyvo.in
Phone: +91 80888 30781
Website: https://www.nyvo.money

See also: Investment Advisory Agreement · Privacy Policy · Conflict of Interest Policy · KYC & AML Policy · Grievance Redressal Policy · Disclosures and Disclaimers · Investor Charter.

We intend to provide services and features that meet your needs. To do so, when you use the Platform and / or the Services, we collect Personal Data from time to time. We may collect / receive / share / process / use / store the following data from you:

• “Personal Data” includes any information that is directly or indirectly available with us to identify or verify individual identity. This may also include Sensitive Personal Data such as financial information (bank account, debit / credit card details), biometric information (face / fingerprint), etc.
• “Non-Personal Information” is information that cannot be used to identify an individual. This includes IP address, browser type, internet service provider, device identifiers, anonymised usage analytics.

We do not sell your Personal Data. We may share limited information with:

• Authorised service providers – hosting, cloud, analytics, payment processors, KYC providers, KRAs, account aggregators – bound by confidentiality and data-processing obligations;
• Regulatory and statutory authorities – including SEBI, BSE / IAASB, FIU-IND, IRDAI, RBI, Income Tax authorities – where required by law;
• Audit, compliance, and legal professionals – for compliance audits, periodic reporting, and dispute defence;
• Group companies and subsidiaries, including NYVO Insurance Services LLP (our IRDAI-registered corporate-agent subsidiary), strictly on a need-to-know basis.

All third parties are bound by confidentiality and data-processing obligations consistent with applicable law.

If NYVO Investment Advisor is involved in a merger, de-merger, reorganisation, change in control, or any similar fundamental corporate change with a third party, or if we sell or buy a business unit from a third party, or if all or a portion of our business, assets, or shares are acquired by or transferred to a third party (including at the due diligence stage of any such transaction), Personal Data – including but not limited to client information, KYC, transactional records, and communications – may be processed and shared with the relevant counterparty, its advisors, lenders, and regulators, subject to appropriate confidentiality and data-protection commitments.

Where any such corporate change results in a transfer of Personal Data to a new controller, we will ensure (a) prior notice to clients to the extent required under applicable law, (b) continuity of materially equivalent privacy commitments by the new controller, and (c) compliance with the Digital Personal Data Protection Act, 2023 and other applicable transfer restrictions.

Subject to applicable Indian law (including the DPDP Act and the IT Rules, 2011), you may:

• Access the Personal Data we hold about you;
• Correct or update inaccurate or incomplete data;
• Withdraw consent previously given (which may affect your ability to use certain Services);
• Erasure – request deletion of Personal Data subject to legal / regulatory retention requirements;
• Restrict processing in specified circumstances;
• Portability – request a copy of your Personal Data in a structured, commonly used format;
• Nominate another individual to exercise your rights in case of incapacity / death;
• Grievance redressal – raise a complaint with our Grievance Officer (details below) and, if unsatisfied, with the Data Protection Board of India once notified.

To exercise any of these rights, please contact our Grievance Officer using the details in Clause 14 below. We aim to respond to valid requests within 30 days.

For data-related queries or to exercise your rights, contact:

Compliance Officer / Grievance Officer
Corporate office: Classic Converge, Building No.148, Ground floor, Sector 05, HSR Layout, Bengaluru, Karnataka 560034, India
Email: hello@nyvo.in
Phone: +91 80888 30781

We aim to respond to valid requests within 30 days.

See also: Grievance Redressal Policy.