Terms and Conditions

Effective Date: March 11, 2026

Welcome to CapFlw. These Terms and Conditions ("Terms") govern your access to and use of our services, including our website, platform, and financial analytics tools (collectively, "Services"). By using our Services, you agree to comply with and be bound by these Terms.

1. Acceptance of Terms

By accessing or using CapFlw's Services, you confirm that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. If you do not agree with these Terms, you must stop using our Services immediately.

2. Eligibility

To use our Services, you must:

• Be at least 18 years old.
• Have the legal capacity to enter into a binding contract.
• Use the Services in compliance with applicable laws and regulations.

3. Services Provided

CapFlw provides financial analytics and portfolio insights to help users optimize their investment strategies. Our Services include but are not limited to:

• Portfolio analysis and diversification insights.
• Tax optimization suggestions.
• Financial trend analysis.

Disclaimer: CapFlw does not provide investment, legal, or tax advice. Our Services are for informational purposes only, and you should consult a licensed professional before making financial decisions.

4. User Accounts

To access certain features of our Services, you may need to create an account. When registering, you agree to:

• Provide accurate and complete information.
• Maintain the security of your account credentials.
• Notify us immediately of unauthorized access to your account.

CapFlw is not responsible for any loss or damage resulting from unauthorized account access due to your failure to secure your credentials.

5. Fees and Payments

Certain Services may require payment. By using these paid Services, you agree to:

• Pay all applicable fees as disclosed at the time of purchase.
• Authorize CapFlw to charge your payment method for the selected Services.
• Acknowledge that all payments are non-refundable unless otherwise stated.

6. Data Collection and Privacy

CapFlw collects and processes user data in compliance with:

• The Information Technology Act, 2000
• The Digital Personal Data Protection Act, 2023
• The Prevention of Money Laundering Act, 2002
• The Securities and Exchange Board of India (SEBI) Regulations

For more details, please review our Privacy Policy.

7. Acceptable Use

You agree not to use our Services for:

• Illegal, fraudulent, or harmful activities.
• Unauthorized data collection or scraping.
• Disrupting or interfering with our platform or security measures.
• Violating any applicable laws or third-party rights.

We reserve the right to terminate or restrict access to users violating these Terms.

8. Intellectual Property Rights

All content, trademarks, logos, and intellectual property associated with CapFlw remain the sole property of CapFlw and its licensors. Users are granted a limited, non-exclusive, and revocable license to use our Services for personal or business purposes, subject to these Terms.

Unauthorized reproduction, distribution, or modification of CapFlw's content is strictly prohibited.

9. Limitation of Liability

To the fullest extent permitted by law, CapFlw shall not be liable for:

• Any indirect, incidental, or consequential damages arising from your use of our Services.
• Financial losses resulting from investment decisions based on our analytics.
• Any unauthorized access to your account due to your negligence.

CapFlw provides its Services "as is" without warranties of any kind, express or implied.

10. Indemnification

You agree to indemnify and hold CapFlw, its affiliates, officers, and employees harmless from any claims, liabilities, damages, or expenses arising from your use of our Services or violation of these Terms.

11. Termination

We reserve the right to suspend or terminate your access to our Services if:

• You violate these Terms.
• Required by law or regulatory authorities.
• Your use of our Services poses a security risk.

You may also terminate your account by discontinuing use of our Services.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of India. Any disputes arising from these Terms shall be resolved through arbitration in accordance with the Arbitration and Conciliation Act, 1996, with the venue in Hyderabad, India.

13. Changes to Terms

CapFlw reserves the right to modify these Terms at any time. Updates will be reflected in the "Effective Date" above, and continued use of our Services after changes indicates acceptance of the updated Terms.

14. Contact Information

For any questions or concerns regarding these Terms, please contact us:

Email: Team.CapFlw@gmail.com

Address: CapFlw, Canton Street Hyderabad. 500023, India

By using our Services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.