Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern  Pecu services private limited  (Owner of Bodhik) relationship with you in relation to this website and the Service (as described below).

The term 'Bodhik' or 'us' or 'we' refers to the owner of the website whose registered office is Pecu Services private limited, 2917, Sunny Enclave, Kharar, Mohali , SAS Nagar, Punjab. He term 'you' refers to the user or viewer of our website.

A. Using Our Services

Bodhik is India's most advanced and friendly robo financial advising service. We provide personalized recommendations  on the best investment portfolio for you and help you align  your financial goals accordingly. Please don't misuse our Services. For example, don't disrupt our Services or try to access them using a method other than the interface and the instructions that we provide. If you interrupt, destroy or limit the functionality of our Services, we may stop providing our Services to you and pursue legal action against you.

Using our Services does not give you ownership of any intellectual property rights, including any branding or logos, in our Services or the content you access. You may not use content from our Services unless you obtain our permission first, and attribute ownership appropriately.

If you have provided us your contact details, such as email or phone number, we may send you announcements, messages or information on our Services and how to use them. You may opt out of some of these messages.

B. Your Privacy and Data Protection

Bodhik’s Privacy Policy ( available at: https://bodhik.com/privacy_policy ) explains how we treat your personal data and protect your privacy when you use our Services. By using our Services, you agree that bodhik can use such data in accordance with our Privacy Policy.

Using our Services does not give you ownership of any intellectual property rights, including any branding or logos, in our Services or the content you access. You may not use content from our Services unless you obtain our permission first, and attribute ownership appropriately.

If you have provided us your contact details, such as email or phone number, we may send you announcements, messages or information on our Services and how to use them. You may opt out of some of these messages.

 C. Intellectual Property

Bodhik owns all intellectual property rights in respect of the services including any literature, reports, data, drawings, designs, diagrams, tables, software, source code or object code or other information or materials, howsoever stored or held, acquired, created, developed, designed or in any way prepared, by bodhik

The "bodhik" name and logos and all related names, trademarks, service marks, design marks, and slogans are the trademarks or service marks of us or our licensors.

You may not use the bodhik logo in any manner that is deceptive or disparaging, or in connection with any product or service that bodhik does not explicitly endorse.

D. Your Content in our Services

Some of our Services allow you to upload, submit, store, send or receive content. You retain ownership of any intellectual property rights that you hold in that content. In short, your information stays yours.

When you upload, submit, store, publish, send or receive content to or through our Services, such content must not:

  1. be harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful or racially or ethnically objectionable, disparaging, and relating to or encouraging money laundering or gambling.
  2. harm minors in any way.
  3. infringe any patent, trademark, copyright or other intellectual property rights.
  4. deceive or mislead the reader about the origin of such messages or communicate any information that is grossly offensive or menacing in nature;
  5. contain software viruses or any other programs designed to interrupt, destroy or limit the functionality of another computer or mobile device.
  6. threaten the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order.
  7. cause the incitement to commit any offence or prevent the investigation of any offence.
  8. be insulting to any other nation.
  9. impersonate another person.

F. Software in our Services

When a Service includes downloadable software, bodhik gives you a personal, worldwide, royalty-free, non-assignable, non-sublicensable, and non-exclusive license to use the software provided to you as part of our Services. This license is for the sole purpose of enabling you to use and enjoy the benefit of our Services, in the manner permitted by these Terms.

You may not copy, modify, distribute, sell, or lease any part of our Services, including our software, nor may you reverse engineer or attempt to extract the source code of that software, unless you have our written permission.

This software may update automatically on your mobile device once a new version or feature is available. For example, our mobile application(s) will update automatically on your mobile device unless you adjust your automatic update settings.

G. Modifying and Terminating Our Services

We are constantly changing and improving our Services. We may add or remove functionalities or features, and we may stop a Service altogether.

You can stop using our Services at any time. Bodhik may also stop providing Services to you, or create new limits to our Services at any time.

H.  Liability and Sources of Information

You acknowledge that bodhik obtains information from a wide variety of publicly available sources. The recommendations made by bodhik will be based on an automated algorithm and neither bodhik or no person associated  with bodhik  guarantee the results of any recommendation or any level of return. Bodhik  shall not be liable and shall be indemnified and held harmless by Client for any act or failure to act except for negligence, willful misconduct or bad faith.

When permitted by law, bodhik and its service partners will not be responsible for lost profits, revenues, or data, financial losses, or any damages.

In all cases,bodhik and its service partners, will not be liable for any loss or damage that is not reasonably foreseeable

  1. Warranties and Disclaimers

The information we provide through our Services does not constitute advice. Please seek independent financial advice when making investment decisions.

Other than as expressly set out in these Terms or the Investor Services Agreement, neither bodhik  nor its service partners make any specific promises about the Services. We don't make any commitments about the content within the Services, the specific functions of the Services, or their availability to you at all times. We provide the Services "as is".

J. About these Terms

We may modify these Terms to reflect changes to the law or changes to our Services. We will notify you of such changes . If you do not agree to the modified Terms, please discontinue your use of the Service.

These Terms govern the relationship between bodhik and you. They do not create any third party beneficiary rights. If you do not comply with these Terms, and we do not take action immediately, it will not be construed as our consent to your non-compliance.

If any term contained in these Terms is unenforceable, it will not affect the other Terms. You agree that the laws of India will apply to any dispute arising out of or in relation to these  Terms or the Services.

All disputes will be subject, first, to mediation, and then by arbitration by a sole arbitrator appointed by bodhik in accordance with Indian law. The venue of arbitration will be Mohali, Punjab..