Terms and Conditions

Last updated: June 14, 2024

Please read these terms and conditions carefully before using Our Service.

Interpretation and Definitions


The words of which the initial letter is capitalized have meanings defined under the following conditions.

The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.


For the purposes of these Terms and Conditions:


This document lays down the disclaimers that apply to the access and use of the SBNRI platform, through the website and the SBNRI mobile application (“Platform”). The words, “You”, “Your” and “User” refer to the person(s) who use the Platform and access the offering available on the Platform. By accessing the Platform, You undertake to have read, understood, and wherever applicable, agree to be legally bound by the terms of the following disclaimers:

  1. SBNRI does not endorse or promote any of the investment opportunities that appear on this website nor make any recommendations regarding the same. Prospective investors are not to construe anything on the website as investment advice and the content contained herein does not constitute an offer by SBNRI to sell securities.
  2. Users are responsible for their investment decisions and are responsible to validate all the information used to make the investment decisions. The appropriateness of a particular strategy or recommendations will depend on the User’s individual circumstances and risk appetite. The investment decisions of Users are based on their investment objectives and the information available on the Platform shall be seen in consideration of the Users’ investment objectives.
  3. The value of any investment may rise and/or fall as a result of market changes and the Platform does not intend to predict the actual performance and/or success of any strategies and no assurances are given with respect thereto. Past performance does not guarantee future returns. Investments in the securities market are subject to market risks and the Users should read all the related documents carefully before investing.
  4. Direct and indirect purchase of real property involves significant risk and investments may lose value and are not insured by any governmental agency nor are they guaranteed by SBNRI. It is the responsibility of the recipient to verify the integrity and authenticity of the information made available.
  5. We advise the User to consult their financial advisors or other qualified professionals before making any investment decisions. The User agrees to assume complete and full responsibility for the outcomes of all their investment decisions, including but not limited to losses, if any, that may be incurred by them. SBNRI shall not be responsible or liable for any losses, damages or other liabilities arising out of the User’s investments in the securities markets.
  6. SBNRI may publish internally generated or externally sourced indicative summaries, updates, commentary, analysis and information related to various events, developments, concepts or principles on the Platform. Such content is provided only for informational and educational purposes and should not be construed as investment advice, recommendation or solicitation to buy/ sell/ hold any securities, or an advertisement or endorsement or offer to sell any products of any third-party entities. All summaries, analysis and information are historical and for illustration purposes only and are subject to modification over time. The information available on the Platform will be updated from time to time. We reserve the right to rectify errors/discrepancies in the date and information provided on the Platform, if any are observed or brought to our notice, at any point in time, without being liable for such errors/discrepancies.
  7. The Platform does not purport to disclose all risks and other significant issues relating to any investments. No representation is made as to the reasonableness of the assumptions made within or the accuracy or completeness of any data on past performances or historical analysis published on the Platform.
  8. We do not warrant, endorse or assume responsibility for any information available on the Platform and/or provided to us by partner entities, and We will not be a party to, or be responsible in any manner, for any transactions executed by the User on the basis of such information. We are not responsible for any dispute arising between the User and partner entities. We do not have any control over such dealings and transactions, and play no determinative role in the performance in respect of the same. The User acknowledges that SBNRI shall not be responsible or liable for any direct, indirect, incidental, consequential, special, punitive or any other damages (including loss of profit, loss or corruption of data, work stoppage, system malfunction) arising out of the use of the Platform and/or use of information and content available on the Platform and/or investing in securities through the offerings available on the Platform.
  9. We do not represent or guarantee whatsoever the authenticity, quality, accuracy, correctness, or completeness of any of the information and contents, and We do not assume any responsibility for the same. We specifically state that We cannot be held liable for any losses or damages (monetary, legal or otherwise) caused by any error, omission, interruption, deletion, or defect in the information available on the Platform, and/or resulting from investments in securities, made on the basis of any information provided on the Platform.
  10. The percentage returns displayed on the Platform are provided for informational purposes and should not be construed as a promise of risk-free, guaranteed or assured returns. Investing in the market involves inherent risks and Users should carefully consider their risk tolerance and financial circumstances before making investment decisions.
  11. The Platform is provided on an ‘as is’ and ‘as available’ basis and We do not make any representations or warranties as to the operation of the same. The User agrees that their use of the Platform is at their own risk. We do not warrant that the contents of the Platform, its servers, emails, and other communication sent from the Platform are free from viruses or other harmful properties and shall not be liable for damages of any kind arising from the same. The Platform may not be compatible with the User’s device and/or operating system and We take no responsibility for the same. We do not guarantee that a User’s access to the Platform will be uninterrupted or error-free. The Platform may be unavailable from time to time due to required maintenance, telecommunications interruptions, technical errors/interruptions or other disruptions which hamper the continuous provision of services through the Platform and the functioning of the Platform.
  12. We hereby expressly disclaim any implied warranties imputed by the laws of any jurisdiction. We consider ourselves and intend to be subject to the jurisdiction only of the courts of Delhi in India.
  13. The User’s use of the Platform and all information contained therein is governed by the ‘Terms’, ‘Privacy Policy’ and the terms of the above disclaimer, available on the Platform. If the User does not agree with any of the terms of the disclaimer, or with the ‘Terms’ or ‘Privacy Policy’, the User shall not access the Platform and immediately exit from the same. We reserve the right to make changes to the Platform and the terms of this disclaimer, or the ‘Terms’ and ‘Privacy Policy’, at any time.
  14. SBNRI is a distribution-led platform where we showcase or present information on various SEBI-regulated and/or unregulated financial and/or physical assets as shared by our partners. We share or provide this information in digital or verbal to aid users in their decision making, without endorsing one over another. Please read all the related documents carefully and independently take a call or consult a recognized financial advisor before investing.


These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

CKYC Registration Authorisation

I give my consent to download my KYC Records from the Central KYC Registry (CKYCR) by Fintelligence Data Science Pvt Ltd , only for the purpose of verification of my identity and address from the database of CKYCR Registry. I understand that my KYC Record includes my KYC Records /Personal information such as my name, address, date of birth, PAN number etc

Links to Other Websites

Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.


We may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.

Upon termination, Your right to use the Service will cease immediately.

Limitation of Liability

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven't purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.

"AS IS" and "AS AVAILABLE" Disclaimer

The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither the Company nor any of the company's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

Governing Law

The laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.

Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

For European Union (EU) Users

If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident in.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

Severability and Waiver


If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.


Except as provided herein, the failure to exercise a right or to require performance of an obligation under this Terms shall not effect a party's ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute a waiver of any subsequent breach.

Translation Interpretation

These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.

Changes to These Terms and Conditions

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.

Refund & Cancellation Policy

SBNRI strives to provide best-in-class services & experience to its users.

We will refund the charges, if SBNRI is unable to provide timely and correct service.

Note: Refund of charges is applicable only in case of Income Tax Return (ITR) filing, fund transfer advisory and real estate advisory. Rest of other services shall be non-refundable.

The amount claimed as refund will be refunded to you within 15 working days depending upon the mode of payment chosen by you. Sometimes banks or financial intermediaries take a longer time to process the refund request. However, if the refund does not happen by the date advised, you may contact us, and we will gladly help you.

If you have any questions about our Returns and Refunds Policy, please contact us, by email at: [email protected]

Contact Us

If you have any questions about these Terms and Conditions, You can contact us: