carrying out internal evaluation and necessary due diligence, as may be required for product/service

offerings or otherwise.

You agree and give Your consent that We may share Your Personal Information with our
group/associate/affiliate companies to comply with regulatory requirement or restriction applicable to Us
and/or to our group/associate/affiliate companies.

You agree and give Your consent that till the time the loan obtained through platform is fully repaid by You,
You will not be able to add money in the Groww balance for trading in the securities market.

You agree and give us your consent to fetch your PAN number from the Credit Bureaus, based on your
verified mobile number

Nextbillion Technology Private Limited (Nextbillion) (now known as Groww Invest Tech Private Limited):

Use of the Platform for facilitating subscription and redemption of mutual fund units and stocks by
transmitting money and instructions to the relevant asset management company (“AMCs”), as per Your
instructions;
Use of the Platform for trading in stock markets (Cash and FNO)
maintain a record of Your personal information and financial transactions in a secure and confidential
manner. However, When you express your interest in availing the services of any of our
group/associates/affiliates companies, then based on your consent, Our regulated entity may share your
KYC and other related information with associated regulated entity.

Nextbillion is an AMFI registered mutual fund distributor, Stock Broker and Depository Participant. It is
hereby clarified that the Company is not rendering the services of mutual fund, and it is merely providing a
platform to its users, Nextbillion to facilitate the transaction of investment in mutual funds and stocks. If
You buy a regular mutual fund on the Platform, Nextbillion receives commissions from AMCs, details of
which have been provided on the Platform and the default mutual funds available on the Platform are direct
mutual funds, whether or not Nextbillion receives any commissions. Please note that Nextbillion only
facilitates the sale of direct mutual funds through the Platform and will not be liable in any manner with
respect to the mutual fund units allotted to You by the AMC.

Nextbillion does not, and is not obliged to, offer all mutual fund schemes for investment or as the case may
be, all kind of investment advisory services. By limiting the number of schemes on the Platform, neither the
Company nor Nextbillion makes any representation as to the quality, bona fides or nature of any AMC or
mutual fund scheme, or any other representation, warranty or guaranty, express or implied in respect of
such mutual fund schemes. You hereby agree and acknowledge that the data and information provided on
the Platform does not constitute advice by Nextbillion of any nature whatsoever, and all the investments
made in Your account will be merely at Your discretion and shall not be relied upon by You while making
investment decisions in mutual funds and stocks and You shall be solely responsible for any investment
decisions and for the purchase of any mutual funds and investments/trading in stocks on the Platform. In
or carry out any transactions and/or mis-sell the products/services offered by the User in the secondary
market under the name and title of the Company, its associates, affiliates group and subsidiary companies.

The Company has the right to suspend, block or deactivate Your trading and/or demat account as a risk
management measure and/or if reasonably believes that any regulatory or statutory enquiry/investigation
etc might arise due to trades/transactions/actions done by You and You will not question the same.

Intellectual Property Rights

The Platform and all information, content, materials, products including, but not limited to text, content,
photographs, graphics, texts, video and audio content and computer code (“Content”) on the Platform is
owned and controlled by the Company and the design, structure, selection and feel and arrangement of the
Content is protected by copyright, patent and trademark laws and other various intellectual property rights
either in the favour of the Company, or third parties from whom the appropriate permissions have been
taken under applicable laws. The trademarks, logos and service marks displayed on the Platform (“Marks”)
are the property of the Company or other respective third parties, as the case may be. You are not permitted
to use the Marks without the express prior written consent of the Company or the third party that owns the
Marks.
Further, You understand and accept that all information, except Your personal information and other data
submitted by You for the purposes of transacting on the Platform, through the Platform shall be deemed the
property of the Company, and the Company shall be free to use any ideas, concepts, know-how or
techniques provided by You on the Platform, in any manner whatsoever. On initiating a contact or query
through the Platform, You agree to be contacted by the Company or Nextbillion or any other entities with
whom the Company has entered into an arrangement for the provisions of Services to You.

Disclaimer of Warranties, Indemnification and Limitation of Liability

You expressly understand and agree that, to the maximum extent permitted by applicable law, the Platform
and other Content are provided by the Company on an “as is” basis without warranty of any kind, express,
implied, statutory or otherwise, including the implied warranties of title, non-infringement, merchantability or
fitness for a particular purpose. Without limiting the foregoing, the Company makes no warranty that (i) the
Platform or Platform Services will meet Your requirements or Your use of the Platform will be uninterrupted,
timely, secure or error-free; (ii) the results that may be obtained from the use of the Platform will be
effective, accurate or reliable; (iii) any errors or defects in the Platform will be corrected. No advice or
information, whether oral or written, obtained by You from the Company and/or our group entities or
affiliates shall create any warranty not expressly stated in the Terms of Use.

The Company will have no liability related to any user Content arising under intellectual property rights, libel,
privacy, publicity, obscenity or other laws. The Company also disclaims all liability with respect to the
misuse, loss, modification or unavailability of any user Content. Further, the Company will not be liable for
any loss that You may incur as a consequence of unauthorized use of Your Account or Account information
in connection with the Platform or the Platform Services either with or without your knowledge.
Platform or sharing of the aforesaid details/information shall not violate any third – party rights or the
intellectual property right of any third party.

You hereby further acknowledge and agree that You may create a pool or selection of mutual funds
(“Portfolio”) either for the purposes of subscription or otherwise (including for the purposes of Your own
analysis). While creating such a Portfolio, You will be given an option to make the Portfolio created by You
to be made visible to other users on the Platform. If You opt for the Portfolio to be made visible to third
parties, You hereby acknowledge and agree that the Portfolio can be copied or used by the Company and/or
Nextbillion or the other users of this Platform for the purposes of investment. Please note that in such
cases, You shall not claim any royalty or other financial/monetary benefits or compensation from the
Company and/or Nextbillion or any of the other users of this Platform for the use of Your Portfolio.

Notwithstanding whether You opt to make Your Portfolio public or not, You hereby specifically acknowledge
and agree that You shall not have any proprietary right or intellectual property right over the choice,
selection, idea or concept of pool of mutual funds in that Portfolio; and the Company and/or Nextbillion
shall have the right to adopt or copy the Portfolio for its commercial and non-commercial use.

Further, You shall be solely responsible for any investment decision taken by it on the basis of the Portfolio
created using this Platform or the system generated analysis of such a Portfolio; and the Company and/or
Nextbillion shall not be liable for any loss or damage caused to You or any other users of this Platform due
to such an investment decision, or any kind of reliance upon it. The Company specifically and expressly
disclaims the accuracy and correctness of the analysis or data generated or reflected while creating such a
Portfolio.

Eligibility to Use: By accepting the Terms of Use, You hereby represent that:
You are of 18 (eighteen) years of age or older and in case of You are acting as guardian on behalf of a
minor, You have the necessary authority to register/sign up on the Platform for the availing the Services on
behalf of the minor;
You are of legal age to form a binding contract, are not a person barred from receiving the Platform Services
under the applicable laws and are competent to enter into a binding contract. The Company reserves the
right to refuse access to the Platform to new Users and any such user who has been suspended,
disqualified, debarred and/or removed by the Company for any regulatory and/or statutory authority reason
whatsoever shall not been entitled to avail the Platform Services; and
You agree to abide by the Terms of Use, offer documents, investor application form, demat account opening
form and Risk Disclosure documents and any other information provided by You on and through the
Platform for the provision of the Platform Services;
the money You invest is from Your bank account (primary holder’s bank account in case of Investment
Account held jointly), and the same is from legitimate sources and remitted through approved banking
channels;
You are prohibited from selling, trading, or otherwise transferring Your Account to another party or
impersonating any other person for the purposing of creating an account with the Platform;
You agree to make an informed independent investment decision by reading the offer documents of the
mutual fund schemes that You are investing in; and
Before investing, You shall seek independent financial planning, legal, accounting, tax or other professional
advice, if required.
You shall be solely responsible for all the investment decisions executed by You on the Platform in Your
portfolio and the Company shall nowhere be responsible for any loss or harm incurred by You due to the
investment activities carried out in Your portfolio.

User Account, Password and Security

In order to access the Platform Services on the Platform and Your account on the Platform (“Account”), You
will have to register on the Platform by providing details including but not limited to mobile number,
mother’s name, father’s name, email address, password, date of birth, gender, Permanent Account Number
(PAN), signature, marital status, nominee details, cancelled cheque, photograph and video recording, etc.
and other information as may be required by the Company from time to time. Your Account will be activated
once Nextbillion, Our regulated entity, undertakes Your KYC verification on the Platform in accordance with
the Know Your Client (“KYC”) guidelines and/or circulars and/or communications issued by the Securities
and Exchange Board of India (“SEBI”), respective Exchanges (National Stock Exchange of India Limited and
BSE Ltd.), Depositories (Central Depository Services Limited and National Securities Depository Limited)
from time to time based on the information provided by You including personal information.

You hereby give Your consent to NBT to share Your KYC documents with KYC Registration Agency i.e. CVL
etc along with the complete set of Demat and broking account opening forms/information submitted by
You to NBT. You understand that once the abovementioned documents/information are uploaded onto the
system of KYC Registration Agency, the same can be downloaded by any other intermediary/KYC
Registration Agency with whom You are entering into a business relationship.

We may also ask You for certain financial information, including Your billing address, bank account details,
and/or other payment related details or other payment method data, and debit instructions or other
standing instructions to process payments for the Platform Services. The Company may ask You to provide
certain additional information about Yourself on a case to case basis. You shall ensure and confirm that the
Account information provided by You is complete, accurate and up-to-date. If there is any change in the
Account information, You shall promptly update Your Account information on the Platform. If You provide
any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not
current or incomplete), or if the Company has reasonable grounds to suspect that such information is
untrue, inaccurate, not current or incomplete, the Company has the right to suspend or terminate Your
Account and refuse any and all current or future use of the Platform (or any portion thereof) at its discretion,
in addition to any right that the Company may have against You at law or in equity, for any
misrepresentation of information provided by You.

You will be responsible for maintaining the confidentiality of the Account information and are fully
responsible for all activities that occur under Your Account and also agree to keep your login credentials
agreement and/or privacy norm to which you are subject to;
post, send, transmit or otherwise make available any unsolicited or unauthorized e-mail messages,
advertising, promotional materials, junk mail, spam, or chain letters, including, without limitation, bulk
commercial advertising, and informational announcements;
upload, post, e-mail, transmit, store or otherwise make available any material that contains viruses or any
other computer code, files or programs designed to harm, interfere or limit the normal operation of the
Service (or any part thereof), or any other computer software or hardware;
interfere with or disrupt the Group services;
plan or engage in any illegal activity using the Groups;
circulate or post any jokes and poems;
circulate or post any religious or politically oriented views or comments; and
pretend to be anyone, or any entity, You are not i.e. You may not impersonate or misrepresent yourself as
another person (including celebrities), entity, another participant of the Groups, an employee or official or
representative of Nextbillion,;

The Group Admin reserves the right at all times to determine, in its sole discretion, whether the content
posted on the Group is appropriate and in compliance with these Terms of Use. The Group Admin further
reserves the rights to remove any participant/member from the Group if it finds You or any
participant/member to have circulated/posted any content which is objectionable or improper for the
Groups or its participants and/or deemed to have violated the Terms of Use or for any reason whatsoever.
The participants shall not challenge or question such removal by the Group Admin or declaration of any
content as inappropriate or not compliant with the Terms of Use. The participant hereby agrees and
acknowledges that any of such actions by the Groups Admin shall not be construed as defamatory by the
participant or You. This Group shall be used only for communication and group chat in relation to financial
investments, and financial products.

The views or comments posted herein by any participant (including any recommendation for investment
and/or disinvestment in any financial products including mutual funds) shall be the views and comments of
that participant only and shall not be construed to be the views or comments of the Group Admin and/or the
Company, or its group entities/affiliates or that such view/comments are endorsed by them.

The participant agrees and acknowledges that views/comments/suggestion by any other participants in the
Groups shall be subject to verification by the participant reading/relying upon such
views/comment/suggestion including view/comments/suggestion with respect to any financial product or
class of financial products and financial market conditions. The participant agrees and acknowledges that
the investments in mutual funds, stocks or any other financial products are subject to market risks
(including possible loss of the principal amount invested), and the participant shall read all
investment/scheme-related documents carefully, and make its own assessment before making any
investment/disinvestment decision.
You agree to defend, indemnify and hold the Group Admin, the Company and/or its group entities, its
affiliates, directors, officers, employees, agents, partners and licensors harmless from any claim or demand,
including reasonable attorney’s fees, made by a third party or any other participant in the Groups, relating to
or arising from: (a) any content You submit, post, transmit, or otherwise make available in and through the
Groups; (b) Your use of the Groups; and/ or (c) any violation by You of the Terms of Use. This obligation
shall survive the termination or expiration of these Terms of Use or termination of your usage of the Groups
by You and due to Your removal by the Group Admin.

You agree and acknowledge that Your personal information including your mobile number disclosed in the
Groups may be used by the participants and/or the Groups Admin/the Company to communicate or
establish contact with you or for any other purposes. You hereby further unconditionally consents that such
communications via SMS/text messaging services and/ or voice call by any other participant, Group Admin/
Company is (a) upon the request and/or authorization by you, (b) ‘transactional’ and not an ‘unsolicited
commercial communication’ under applicable laws including under the guidelines issued by Telecom
Regulation Authority of India (“TRAI”) and (c) in compliance with the relevant guidelines of TRAI or such
other authority in India and abroad. You shall indemnify the Group Admin and/or Company against all types
of losses and damages incurred by it or its affiliates, ,group entities, directors, officers, employees, agents,
partners and licensors due to any action taken by TRAI, access providers (as per TRAI regulations) or any
other authority due to any erroneous compliant raised by you or anyone on the Group Admin and/or
Company or its affiliates, group entiites, directors, officers, employees, agents, partners and licensors with
respect to the intimations mentioned above or due to a wrong number or other contact details provided by
you for any reason whatsoever.

Posts
The Company may provide and display content on the Platform which features specific articles/write ups by
third parties in relation to the mutual funds and stocks. You hereby agree and acknowledge that such
content displayed on the Platform does not represent the views and/ or recommendations of the Company
and You are required to read the documents carefully before investing in any mutual funds and/ or stocks.
You may also be allowed to post and comment on such content on the Platform and You hereby undertake
to ensure that such comments shall not be offensive and will be in accordance with applicable laws. All
material added, created, submitted, or posted to the Platform by You is Your sole responsibility. The
Company reserves the right to review any information provided/data uploaded, if any, by You on the
Platform and delete any information/data that is inconsistent with these Terms of Use.
General Provisions
Notice: All notices from the Company will be served by email to Your registered email address or by general
notification on the Platform. Any notice provided to the Company pursuant to the Terms of Use should be
sent to support@groww.in with subject line – Attention: TERMS OF USE.
Assignment: You cannot assign or otherwise transfer the Terms of Use, or any rights granted hereunder to
any third Party. The Company’s rights under the Terms of Use are freely transferable by the Company to any
third party without the requirement of seeking Your consent.
Severability: If, for any reason, a court of competent jurisdiction finds any provision of the Terms of Use, or
The Stock Broker at any time, without any consent of or further reference to the Client, assign or transfer all
or any of its rights, benefits and/or obligations under these T&C to any other persons, companies, firms
and/or financial institutions and the same shall be binding on the Client and the Client cannot raise any
dispute in this regard later on.

In case of lunacy, death, insolvency, dissolution, winding up of the Client as the case may be, any action to
liquidate the Securities shall be binding upon the heirs, successors, representatives of the Client.

Notice: (a) Any notice or other communication to be given by the Stock Broker to the Client under or in
connection with these T&C including, but not limited to, communication for confirmation of orders/trades,
margin calls, calls for liquidation of Securities shall be in writing and shall be deemed duly served if
delivered personally or sent by prepaid registered post or courier or by e-mail or short message service
(SMS) or via push notification on the Mobile App/web or in any other form as it may deem fit to the Stock
Broker, to the Client on address/e-mail Id /telephone number (if any), as specified in the account opening
form or as subsequently communicated/modified in writing by the Client; (b) that any
notice/communication sent by the Stock Broker to the Client shall be deemed to have been properly
delivered or served, even if such notice/ communication is returned to the Stock Broker as unclaimed/
refused/undelivered/bounced, if the same is served at the address/e-mail Id /telephone number
communicated by the Client; and c) that any notice/communication relating to confirmation of
orders/trades, margin calls, change of composition of Approved Securities, calls for liquidation of Securities
and/or any other similar matters may be communicated by the Stock Broker to the Client orally or by e-mail
or SMS.

The aforesaid T&C shall be in addition to and to be read with the Securities Exchange Board of India (SEBI)
Circular CIR/MID/DP/54/2017 dated 13.06.2017, the Rights and Obligations specified by the Stock
Exchanges pursuant to the said SEBI circular and any other circular, guidelines, regulation as may be issued
by SEBI and the Stock Exchanges from time to time with regards to the MTF Facility and the Risk Policy of
the Stock Broker for the MTF Facility.

The Client shall lodge grievance or disagreement with any transaction done under the Margin Trading
Facility within 24 hours after receipt of the contract note by writing at support@groww.in

Any dispute between the parties in connection with the Margin Trading Facility should first be resolved
amicably. In case no amicable resolution is arrived at, parties can approach the investor grievance redressal
mechanism or arbitration mechanism of the Stock Exchanges or the Online Dispute Resolution (ODR)
mechanism

Any provision of this T&C which is prohibited, unenforceable or is declared or found to be illegal, invalid,
unenforceable, or void shall be ineffective only to the extent of such prohibition or unenforceability without
invalidating the remainder of such provision or the remaining provisions of this T&C.
These Terms and the rights and obligations thereunder and the relations of the parties and all matters
arising under or in connection with this Terms, including the construction, validity, performance or
termination thereunder, shall be governed by and construed in accordance with the laws of the Republic of
India. The courts in Bengaluru, Karnataka shall have exclusive jurisdiction over all matters connected with
the Bill Payment Services.

Miscellaneous

We endeavor to execute and process transactions as per the defined process, however, We, shall not be held
responsible for any non-responsiveness, delay, failure of systems or any other circumstances that might not
be in Our control.

We reserve the right to change/modify the Terms, at any time and without notice. You can determine when
the Terms were last modified by referring to the “Last Updated” legend above. However, We shall not
undertake to update You with the content contained herein from time to time. You are obliged to exercise
Your independent diligence on the same before arriving at any decision and You will be solely responsible
for Your actions. We shall not be held responsible for all or any actions that may subsequently result in any
loss, damage and or liability on account of such change in the information in the Terms. Your continuous
use of the Groww following the posting of changes shall mean that You accept and agree to the changes
and the Terms and Conditions and shall be legally bound by the same. You acknowledge and agree that the
Bill Payment Services shall be subject to these Terms.

Notice

All notices from Groww will be served by email or SMS to Your registered email address or Mobile number
respectively or by general notification on the Platform.

Assignment

You cannot assign or otherwise transfer these Terms, or any rights granted hereunder to any third party. Our
rights under these Terms are freely transferable by Groww to any third party without the requirement of
seeking Your consent.

Severability

If, for any reason, a court of competent jurisdiction finds any provision of the Terms, or any portion thereof,
to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to give
effect to the intent of the parties as reflected by that provision, and the remainder of the Terms shall
continue in full force and effect.

Force Majeure
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Groww is India’s growing financial services platform where users can find their investment solutions
pertaining to mutual funds, stocks, US Stocks, ETFs, IPO, and F&Os, to invest their money without
hassles.

Groww objectively evaluates stocks and mutual funds and does not advise or recommend any
stocks, mutual funds or portfolios. Investors shall invest at their own discretion, will and consent.
Groww, at any time, does not guarantee fixed returns on the capital invested.

Groww helps investors -

· By providing 100% paperless online free Demat and trading account opening
· By providing an objective evaluation of products available on the platform
· By being transparent about fees and charges involved while investing in a product
· By offering decision-making assistance by providing technical analysis with advanced charts, well-
designed line & candlestick charts that indicate share price movements, and market indices, along
with more details about all registered and listed companies

SECURE TRANSACTIONS ON GROWW

All transactions on Groww are safe and secure. Users can invest through SIP or Lumpsum using
Netbanking through all supported banks. It uses BSE Star MF (with Member code 11724) as the
transaction platform.

TRADE AND INVEST SECURELY WITH GROWW

Stocks, Mutual fund investments, F&Os, etc., are very popular with individual investors because of
their numerous benefits. On Groww, an investor can -
- Invest in Nifty 50 (NSE) & Sensex (BSE) listed stocks
- Diversify across multiple stocks and other instruments
- Start SIP with any amount (as low as Rs. 500)
- Switch regular funds to direct funds
- Start automated monthly investments (SIP), and benefit from many more features

All types of mutual funds are available on Groww.

INVESTING IN MUTUAL FUND PORTFOLIOS

Portfolio is a collection of mutual funds designed to meet your investment goals. Investing in mutual
fund portfolios helps you diversify your investments and reduce risk. Portfolios also help you assign
investment goals and make it easy for you to save for and achieve your goals. You can create a
portfolio yourself or ask an expert to build it for you.

ATTENTION INVESTORS

articipant. Receive alerts on your Registered Mobile for all debit and other important transactions in y

· Investors should be cautious about unsolicited emails and SMS advising to buy, sell, or hold
securities and trade only on the basis of an informed decision. Investors are advised to invest after
conducting an appropriate analysis of respective companies and not to blindly follow unfounded