Terms & Conditions

The Website Owner, Gainn Fintech Pvt. Ltd. (CIN – U72900MH2021PTC366439) including it’s subsidiaries and affiliate herein referred through its brand name “mygainn” (“Website” or “Website Owner” or “we” or “us” or “our”) provides the information contained on the website or any of the pages comprising the website (“website”) to visitors (“visitors”) (cumulatively referred to as “you” or “your” hereinafter) subject to the terms and conditions set out in these website terms and conditions, the privacy policy and any other relevant terms and conditions, policies and notices which may be applicable to a specific section or module of the website.

These terms and conditions outline the rules and regulations for the use of the Gainn Fintech Private Limited website. By accessing and using the website, you agree to be bound by these terms and conditions, as well as any other relevant policies and notices. The information contained on the website is for general informational purposes only and is subject to change without notice. The website owner does not provide any warranty or guarantee regarding the accuracy, timeliness, or suitability of the information provided. Your use of any information or materials from the website is at your own risk, and the website owner will not be held liable for any inaccuracies or errors.

The website owner owns or has a license to the material on the website, including its design, layout, and graphics. Reproduction of this material is prohibited without following the terms of the copyright notice. Any unauthorized use of the website may result in legal consequences and claims for damages. The website may contain links to other websites, but the website owner is not responsible for the content of those websites. You may not create a link to the Gainn Fintech Private Limited website without obtaining prior written consent.

Your use of the website and any disputes arising from the use of the website are subject to Indian laws or any other relevant regulatory authority. The website owner will not be liable for any losses or damages resulting from the decline of authorization for any transaction made through the website.

The information and materials provided on this website are intended for general use and may change without notice. Neither the website nor any third parties make any guarantee or warranty regarding the accuracy or suitability of the information and materials provided. The use of the website is at the user’s own risk, and the website is not responsible for any inaccuracies or errors. This website contains material that is either owned or licensed by the website, and reproduction is only allowed according to the copyright notice. Unauthorized use of the website may result in legal consequences. The website may include links to other sites for convenience, but the website is not responsible for the content of these linked sites. Creating a link to this website from another website or document requires prior written consent from the website. The use of this website and any disputes arising from it are governed by the laws of India or other relevant authority. The website is not responsible for any losses or damages that may result from the decline of authorization for any transaction.

Privacy Policy:

This privacy policy outlines Gainn Fintech Private Limited’s commitment to protecting the personal and financial information submitted by its customers. The company will not sell customer information to third parties, but may share it as part of normal business operations or for legal or regulatory purposes. Personal information may be shared with agents, contractors, and third parties for specific purposes, but these parties are required to use the information exclusively for the purpose for which it was shared. Gainn Fintech Private Limited stores and processes customer information on secure servers and requires customers to access their accounts using a unique login ID and password. The company acknowledges the importance of protecting customer information and uses reasonable security measures to do so. Customers should be careful with their login information and change their passwords periodically. Gainn Fintech Private Limited may share or transfer customer information with another business entity in the event of a business reorganization or other reason.

log files

Gainn Fintech Private Limited collects data about your IP address, browser type, date and time of visit, and number of pages viewed on their website to improve their services. This information helps them to get an understanding of how their site is being used and is used for system administration. The collected data cannot be used to personally identify you.

Other websites:

This passage is explaining that the website you are using may contain links to other websites that are not governed by the privacy statement of the website you are currently on. This means that the privacy and security of any personal information you provide on those other websites is not under the control of the current website. Therefore, it is recommended to exercise caution and to review the privacy statement of the other website before providing any personal information.

Communication

When using the website or sending data, information or communication, you are agreeing to communicate with the company through electronic records. You also agree to receive communications from the company through electronic means, such as email or other modes of communication, both electronic and non-electronic.

Sensitive data or information:

Thank you for providing the information about Gainn Fintech Private Limited’s collection and use of sensitive personal data or information. It is important for individuals to be informed about the personal information that is being collected and how it is being used by the company. Gainn Fintech Private Limited has clearly stated the purpose of collecting personal information, which is to process financial and non-financial transactions and to serve the customers better. They have also stated the circumstances under which the information may be shared with third parties, and the measures taken to ensure the confidentiality of the information. It is important for individuals to understand that by agreeing to avail the services offered by Gainn Fintech Private Limited, they are consenting to the collection and use of their sensitive personal data or information. They also have the right to refuse or withdraw their consent by contacting the customer care, although this may result in the termination of their services.

Trademark and copywrite

The information and content on the Gainn Fintech Private Limited website is owned by Gainn Fintech Private Limited and any other third-party partners. The trademarks, trade names, and logos used on the website are the property of Gainn Fintech Private Limited and other third-party partners and cannot be used without written permission. Gainn Fintech Private Limited retains all proprietary rights to the website and its content. Any modification, reproduction, or commercial use of the website’s materials without prior written consent from Gainn Fintech Private Limited is prohibited.

Cookies and tracking :

This information on cookies and tracking technology informs you that Gainn Fintech Private Limited’s website, www.mygainn.com, uses cookies to track user traffic patterns and to determine the usefulness of their website information to users. Cookies are small data files that certain websites write to your hard drive when you visit them. They cannot be used to run programs or deliver viruses to your computer and can only contain information that you supply yourself. Gainn Fintech Private Limited also uses web beacons, which are small pieces of data embedded in images on the pages of their website, to analyze the traffic patterns on their website and to determine the frequency with which users visit different parts of the website.

You have the option to accept or decline cookies, and most web browsers automatically accept cookies. However, you can modify your browser setting to decline cookies if you choose to do so.

It’s important to note that Gainn Fintech Private Limited’s privacy statement does not apply to other websites that you may access through links on their website. They advise you to exercise caution and look at the privacy statement applicable to any other website you visit.

Cancellation / Termination Policy:

The process of opening a trading and demat account with Gainn Fintech Private Limited typically takes between 12 to 24 hours. If you wish to cancel your account opening request, you can do so within 12 hours of submitting your application by contacting our support team. Upon receipt of your cancellation request, the account opening process will not be completed.

BO Clause:

As a merchant, we are not responsible for any loss or damage that may arise from the decline of an authorization for a transaction due to the payer/cardholder exceeding the preset limit agreed between us and our acquiring bank.

Changes To Our Policy:

In conclusion, Gainn Fintech Private Limited strives to ensure that all information collected from its users is secure and used only for the purposes outlined in this policy. By using Gainn Fintech Private Limited’s services and website, users agree to the terms and conditions outlined in this policy. Any changes to this policy will be promptly updated on the Gainn Fintech Private Limited website, and users are encouraged to regularly review the policy to stay informed.

Refund Policy

Our trading platform is designed with you in mind and can be accessed by opening a Trading and Demat Account with us at a low cost. We have thousands of satisfied customers throughout India and stand behind our products. If you need to request a refund, you may do so within 7 days by contacting our support team and providing payment details such as your card or bank account number and transaction number. Refunds will only be given for any overpayment of account opening charges and must be confirmed by our banking partner. No refunds will be made once your Trading and Demat account is opened. If you need to withdraw money from your account, you can place a withdrawal request through our app or website.

Availability of Web-Site & Data in Transit:

The website’s availability may not be guaranteed and access may be interrupted, with failures, errors, omissions, or loss of information during transmission being possible. The company does not guarantee that no viruses or other harmful elements will be transmitted or that no damage will occur to your computer system. It is the user’s responsibility to protect and back up their system and data. The company makes no guarantees about the functionality or performance of any third-party software used in connection with the website.

Disclaimer

The information on Gainn Fintech Private Limited’s website is for general purposes only and is provided by Gainn Fintech Private Limited. Although Gainn Fintech Private Limited tries to keep the information accurate and up to date, they don’t make any warranties regarding the completeness, accuracy, reliability, suitability or availability of the information, products, services, or related graphics on the website. Any reliance on the information is at the user’s own risk. Gainn Fintech Private Limited won’t be responsible for any loss or damage, including indirect or consequential loss or damage, that might arise from using the website. The website might contain links to other websites that are not under Gainn Fintech Private Limited’s control. Gainn Fintech Private Limited doesn’t endorse the views expressed on these linked sites and doesn’t take any responsibility for their nature, content, and availability. Gainn Fintech Private Limited makes efforts to keep the website running smoothly, but they won’t be responsible if the website is temporarily unavailable due to technical issues beyond their control.

Sr.No.	Activity	Expected Timelines
1	KYC entered into KRA System and CKYCR	10 days of account opening
2	Client Onboarding	Immediate, but not later than one week
3	Order execution	Immediate on receipt of order, but not later than the same day
4	Allocation of Unique Client Code	Before trading
5	Copy of duly completed Client Registration Documents to clients	7 days from the date of upload of Unique Client Code to the Exchange by the trading member
6	Issuance of contract notes	24 hours of execution of trades
7	Collection of upfront margins from client	Before initiation of trade
8	Issuance of intimations regarding other margin due payments	At the end of the T day
9	Settlement of client funds	30 days / 90 days for running account settlement (RAS) as per the preference of client. If consent not given for RAS – within 24 hours of pay-out
10	‘Statement of Accounts’ for Funds, Securities and Commodities	Weekly basis (Within four trading days of following week)
11	Issuance of retention statement of funds/commodities	5 days from the date of settlement
12	Issuance of Annual Global Statement	30 days from the end of the financial year
13	Investor grievances redressal	30 days from the receipt of the complaint

Sr.No.	Type of Activity	Timelines for Activity
1	Receipt of Complaint	Day of complaint (C Day).
2	Additional information sought from the investor, if any, and provisionally forwarded to stock broker.	C + 7 Working days.
3	Registration of the complaint and forwarding to the stock broker.	C+8 Working Days i.e. T day.
4	Amicable Resolution.	T+15 Working Days.
5	Refer to Grievance Redressal Committee (GRC), in case of no amicable resolution.	T+16 Working Days.
6	Complete resolution process post GRC.	T + 30 Working Days.
7	In case where the GRC Member requires additional information, GRC order shall be completed within.	T + 45 Working Days.
8	Implementation of GRC Order.	On receipt of GRC Order, if the order is in favour of the investor, debit the funds of the stock broker. Order for debit is issued immediately or as per the directions given in GRC order.
9	In case the stock broker is aggrieved by the GRC order, will provide intention to avail arbitration	Within 7 days from receipt of order.
10	If intention from stock broker is received and the GRC order amount is upto Rs.20 lakhs	Investor is eligible for interim relief from Investor Protection Fund (IPF). The interim relief will be 50% of the GRC order amount or Rs.2 lakhs whichever is less. The same shall be provided after obtaining an Undertaking from the investor.
11	Stock Broker shall file for arbitration	Within 6 months from the date of GRC recommendation
12	In case the stock broker does not file for arbitration within 6 months	The GRC order amount shall be released to the investor after adjusting the amount released as interim relief, if any.

Sr.No.	DOs	DON’Ts
1	Read all documents and conditions being agreed before signing the account opening form.	Do not deal with unregistered stock broker.
2	Receive a copy of KYC, copy of account opening documents and Unique Client Code.	Do not forget to strike off blanks in your account opening and KYC.
3	Read the product / operational framework / timelines related to various Trading and Clearing & Settlement processes.	Do not submit an incomplete account opening and KYC form.
4	Receive all information about brokerage, fees and other charges levied.	Do not forget to inform any change in information linked to trading account and obtain confirmation of updation in the system.
5	Register your mobile number and email ID in your trading, demat and bank accounts to get regular alerts on your transactions.	Do not transfer funds, for the purposes of trading to anyone other than a stock broker. No payment should be made in name of employee of stock broker.
6	If executed, receive a copy of Power of Attorney. However, Power of Attorney is not a mandatory requirement as per SEBI / Stock Exchanges. Before granting Power of Attorney, carefully examine the scope and implications of powers being granted.	Do not ignore any emails / SMSs received with regards to trades done, from the Stock Exchange and raise a concern, if discrepancy is observed.
7	Receive contract notes for trades executed, showing transaction price, brokerage, GST and STT etc. as applicable, separately, within 24 hours of execution of trades.	Do not opt for digital contracts, if not familiar with computers.
8	Receive funds and securities / commodities on time within 24 hours from pay-out.	Do not share trading password.
9	Verify details of trades, contract notes and statement of account and approach relevant authority for any discrepancies. Verify trade details on the Exchange websites from the trade verification facility provided by the Exchanges.	Do not fall prey to fixed / guaranteed returns schemes.
10	Receive statement of accounts periodically. If opted for running account settlement, account has to be settled by the stock broker as per the option given by the client (30 or 90 days).	Do not fall prey to fraudsters sending emails and SMSs luring to trade in stocks / securities promising huge profits.
11	In case of any grievances, approach stock broker or Stock Exchange or SEBI for getting the same resolved within prescribed timelines.	Do not follow herd mentality for investments. Seek expert and professional advice for your investments.

Sr.No.	Guidance
1	Always deal with a SEBI registered Depository Participant for opening a demat account.
2	Read all the documents carefully before signing them.
3	Before granting Power of attorney to operate your demat account to an intermediary like Stock Broker, Portfolio Management Services (PMS) etc., carefully examine the scope and implications of powers being granted.
4	Always make payments to registered intermediary using banking channels. No payment should be made in name of employee of intermediary.
5	Accept the Delivery Instruction Slip (DIS) book from your DP only (pre- printed with a serial number along with your Client ID) and keep it in safe custody and do not sign or issue blank or partially filled DIS slips. Always mention the details like ISIN, number of securities accurately. In case of any queries, please contact your DP or broker and it should be signed by all demat account holders. Strike out any blank space on the slip and Cancellations or corrections on the DIS should be initialed or signed by all the account holder(s). Do not leave your instruction slip book with anyone else. Do not sign blank DIS as it is equivalent to a bearer cheque.
6	Inform any change in your Personal Information (for example address or Bank Account details, email ID, Mobile number) linked to your demat account in the prescribed format and obtain confirmation of updation in system
7	Mention your Mobile Number and email ID in account opening form to receive SMS alerts and regular updates directly from depository.
8	Always ensure that the mobile number and email ID linked to your demat account are the same as provided at the time of account opening/updation.
9	Do not share password of your online trading and demat account with anyone.
10	Do not share One Time Password (OTP) received from banks, brokers, etc. These are meant to be used by you only.
11	Do not share login credentials of e-facilities provided by the depositories such as e-DIS/demat gateway, SPEED-e/easiest etc. with anyone else.
12	Demat is mandatory for any transfer of securities of Listed public limited companies with few exceptions.
13	If you have any grievance in respect of your demat account, please write to designated email IDs of depositories or you may lodge the same with SEBI online at https://scores.gov.in/scores/Welcome.html
14	Keep a record of documents signed, DIS issued and account statements received.
15	As Investors you are required to verify the transaction statement carefully for all debits and credits in your account. In case of any unauthorized debit or credit, inform the DP or your respective Depository.
16	Appoint a nominee to facilitate your heirs in obtaining the securities in your demat account, on completion of the necessary procedures.
17	Register for Depository’s internet based facility or download mobile app of the depository to monitor your holdings.
18	Ensure that, both, your holding and transaction statements are received periodically as instructed to your DP. You are entitled to receive a transaction statement every month if you have any transactions.
19	Do not follow herd mentality for investments. Seek expert and professional advice for your investments
20	Beware of assured/fixed returns.

Terms & Conditions

Privacy Policy:

log files

Other websites:

Communication

Sensitive data or information:

Trademark and copywrite

Cookies and tracking :

Cancellation / Termination Policy:

BO Clause:

Changes To Our Policy:

Refund Policy

Availability of Web-Site & Data in Transit:

Disclaimer

Pritesh Sha

Solution Architect at Amazon Web Services

Mahesh Doshi

Solution Architect at Amazon Web Services

Nityam Vaghela

Solution Architect at Amazon Web Services

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Terms & Conditions

Privacy Policy:

log files

Other websites:

Communication

Sensitive data or information:

Trademark and copywrite

Cookies and tracking :

Cancellation / Termination Policy:

BO Clause:

Changes To Our Policy:

Refund Policy

Availability of Web-Site & Data in Transit:

Disclaimer

Pritesh Sha

Solution Architect at Amazon Web Services

Mahesh Doshi

Solution Architect at Amazon Web Services

Nityam Vaghela

Solution Architect at Amazon Web Services

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