Terms of Service

1. The agreement

These Terms of Service ("Terms") govern your use of IFA Central, a CRM service for Mutual Fund Distributors and Registered Investment Advisors in India. By signing up for or using the service, you agree to these Terms.

If you do not agree, do not use the service.

2. Who you are agreeing with

IFA Central is operated by Srikanth Dindakurti, sole proprietor, based in Bangalore, Karnataka, India.

Throughout these Terms, "we", "us", and "our" refer to IFA Central. "You" and "your" refer to the person or firm using the service.

Contact: admin@ifacentral.com

3. What the service is

IFA Central is a web-based tool that helps Mutual Fund Distributors, Registered Investment Advisors, and similar financial intermediaries manage their client relationships, track investments, and run their business administration.

It is not:

• A trading platform
• A financial advisory service
• A KYC verification service
• A regulated financial product
• A government-approved record system

It is a private record-keeping and workflow tool. You remain responsible for all regulatory compliance applicable to your own business.

4. Pricing

The service is currently offered free of charge.

We reserve the right to introduce paid plans in the future. When we do:

• We will give existing users at least 30 days' notice by email before any pricing change takes effect
• Existing users may continue using their current feature set under any "free tier" we maintain, or upgrade to a paid plan
• If we eliminate free use entirely, you will have at least 30 days to either upgrade, export your data, or close your account before any charges begin

Continued use of the service after a pricing change takes effect constitutes acceptance of the new pricing.

If you disagree with a future pricing model, you may export your data and close your account before charges begin, with no further obligation.

5. Account responsibilities

When you create an account:

• You must provide accurate, current, and complete information
• You must keep your password confidential and not share your login credentials
• You are responsible for all activity that occurs under your account
• You must notify us immediately if you suspect unauthorized access (email admin@ifacentral.com)

We may suspend or terminate your account if we reasonably believe you are violating these Terms or applicable law. In most cases we will warn you first and give you a chance to fix the issue.

6. Your data

You own your data. This includes:

• Your account information
• All client records, transactions, and notes you enter into the system

We claim no ownership over your data. We have no right to use your data for any purpose other than operating the service for you (as described in our Privacy Policy).

You are responsible for:

• The accuracy of the data you enter
• Ensuring you have appropriate authority to enter clients' information into our system
• Complying with applicable laws about how you collect and use your clients' data (you, not us, are the Data Fiduciary for your clients' data)

You can export your data at any time using the export features in the service. If you need help with a bulk export, contact us.

7. Acceptable use

You agree NOT to use IFA Central to:

• Engage in any unlawful activity
• Store data you have no legal right to hold
• Attempt to access another firm's data
• Test, probe, or scan the security of the service
• Reverse-engineer, decompile, or attempt to extract source code
• Use the service to send spam or unsolicited communications
• Resell, sublicense, or commercially redistribute the service or its data without our written permission
• Use automated scripts to access the service in ways that overload or damage the infrastructure (reasonable API/import/export use is fine)
• Misrepresent your identity or your firm

Violations may result in immediate account suspension.

8. Service availability

We aim to keep IFA Central available 24/7, but we make no guarantees about uptime.

The service may be unavailable due to:

• Scheduled maintenance (we will try to give advance notice for non-trivial maintenance windows)
• Unscheduled issues with our hosting provider (Hostinger) or other infrastructure
• Updates and fixes we need to deploy
• Reasons outside our control (internet routing issues, DDoS attacks, power outages, natural disasters, etc.)

We will make reasonable efforts to communicate planned downtime in advance. For unplanned outages, we will respond as quickly as we can.

There is currently no service-level agreement (SLA). If you require an SLA with guaranteed uptime and credits, this is not the service for you at this stage. We may offer SLAs to paid customers in the future.

9. Backups and data loss

We maintain automated daily backups of the database through Hostinger's infrastructure. However:

• You should also maintain your own copies of critical data. Use the export features in the service to download your records periodically.
• We cannot guarantee that no data will ever be lost — backup systems can fail, and we recommend you treat IFA Central as one record-keeping system among others, not as the only place your data exists.
• We are not liable for any data loss (see Section 12 on liability).

If a major data-loss event occurs that affects multiple users, we will notify affected users by email and explain what happened and what recovery options exist.

10. Third-party services

IFA Central uses the following third-party services to operate:

• Hostinger — web hosting, database hosting, email infrastructure
• Hostinger SMTP — for sending emails (account verification, password reset, contact form replies)

These third parties have their own terms and privacy policies. We do not control their operations. Your use of IFA Central is also implicitly subject to the operational policies of these underlying services.

11. Intellectual property

The IFA Central software, design, branding, and documentation are owned by Srikanth Dindakurti.

You are granted a non-exclusive, non-transferable, revocable license to use the service for your own business purposes during the time your account is active.

This license does not grant you the right to:

• Copy or distribute the software
• Modify or create derivative works
• Sell access to the service to third parties
• Use our branding or trademarks for your own products

You retain ownership of all data you enter. Nothing in these Terms transfers ownership of your data to us.

12. Limitation of liability

Read this section carefully — it is important.

IFA Central is provided "as is" and "as available", without any warranties of any kind, express or implied.

To the maximum extent permitted by law:

• We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the service
• We are not liable for any loss of data, loss of revenue, loss of business, loss of clients, or reputational harm
• We are not liable for any decisions you or your clients make based on information stored in or generated by the service
• Our total liability in any matter related to the service is limited to ₹1,000 (one thousand Indian Rupees) or the amount you have paid us in the 12 months preceding the event giving rise to the claim, whichever is greater

This limitation reflects the fact that the service is currently free, operated by a single individual, and is intended as a record-keeping tool — not a guaranteed system of record for regulatory or audit purposes.

You acknowledge that you use the service at your own risk and that the pricing (or lack of pricing) of the service reflects this allocation of risk.

13. Indemnification

You agree to defend, indemnify, and hold harmless Srikanth Dindakurti against any claims, damages, or expenses arising from:

• Your violation of these Terms
• Your violation of any law or third-party right
• Your use of the service in a way that harms a third party
• Disputes between you and your clients (we are not party to your client relationships)

14. Termination

You can terminate at any time by emailing admin@ifacentral.com and asking us to delete your account. Your data will be removed according to the schedule in our Privacy Policy (90-day grace period, then permanent deletion).

We may terminate your account if:

• You violate these Terms
• You attempt to harm the service or other users
• You have not signed in for 24 months (in which case we will email you first to give you a chance to come back)
• We are required to by law
• We decide to discontinue the service entirely (in which case we will give all users at least 60 days' notice and an opportunity to export their data)

Termination does not relieve you of any obligations incurred before termination.

15. Modifications to these Terms

We may update these Terms from time to time. When we do:

• Material changes will be communicated by email and posted on the service
• The "Last Updated" date at the top of these Terms will reflect the change
• Material changes will not take effect for at least 15 days after notification

Continued use of the service after a material change takes effect constitutes your acceptance of the updated Terms. If you disagree, you may close your account before the change takes effect.

16. Governing law and disputes

These Terms are governed by the laws of India.

Any dispute arising from or related to these Terms or your use of the service shall be subject to the exclusive jurisdiction of the courts in Bangalore, Karnataka, India.

Before initiating any legal action, you agree to first contact us at admin@ifacentral.com to attempt to resolve the dispute informally. Most issues can be resolved by a conversation.

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect. The unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving its intent.

18. Entire agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and IFA Central regarding your use of the service. They supersede any prior agreements or communications.

If you have signed a separate written agreement with us (e.g., a custom enterprise contract), that agreement takes precedence over these Terms for matters covered by it.

19. Contact

For any question about these Terms, please email admin@ifacentral.com.