Effective Date: 24-05-2025
Last Updated: 24-05-2025

1. Service Provider Details

Service Name: Portfolio Auditor
Business Type: Individual/Freelance Service Provider
Business Address: 58, Ground Floor, 2nd Main Road, Nagapareddy Layout, Kaggadaspura, Bangalore, Pin Code - 560093, India

2. Acceptance of Terms

By accessing and using Portfolio Auditor's services ("Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you must not use our Service.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and the Portfolio Auditor service provider ("we," "us," or "our").

3. Service Description

3.1 Application Details

Service Name: Portfolio Auditor
Platform Availability: Web-based application accessible through www.portfolioauditor.com
Primary Service: Portfolio Auditor provides mutual fund portfolio analysis and benchmarking services that enable users to:

• Upload CAMS (Computer Age Management Services) PDF statements
• Compare portfolio performance against respective benchmark funds or Wishlist funds • Receive comprehensive analysis reports mimicking exact investment amounts and dates
• Understand portfolio performance through true apples-to-apples comparisons

3.2 Service Functionality

Our Service utilizes:

• Power BI technology for portfolio analysis
• Open-source "mftool" package for publicly available NAV (Net Asset Value) data
• Automated analysis and report generation
• Secure data processing and temporary storage systems

3.3 User Account Requirements

Users must create an account to access our services with valid personal information.

4. Data Usage & Security

4.1 Financial Data Collection

We collect and process:

• Personal identification information (name, email, mobile number for contact purposes)
• CAMS PDF statements containing mutual fund investment transaction data
• Session data through cookies for secure application navigation

4.2 Data Storage and Protection

Security Measures:
• Data encryption at rest in backend databases
• Secure transmission protocols (HTTPS)
• Restricted access controls for authorized personnel only
• Regular security reviews and updates

Data Retention:
• Customer account data: Retained until explicit deletion request
• CAMS statements and analysis reports: Automatically deleted after 30 days maximum
• Contact information: Retained as per legitimate business requirements

4.3 Third-Party Data Sharing

We do not share your personal or financial data with third parties except:

• As required by law or legal obligations
• In case of business transfers (mergers, acquisitions)
• For publicly available NAV data retrieval (no personal data shared)

4.4 Data Sources

We use publicly available mutual fund NAV data through the "mftool" package for benchmark comparisons. Your personal investment data is never shared with external data sources.

5. Financial Disclaimers

5.1 No Investment Advice

IMPORTANT DISCLAIMER: Portfolio Auditor does not provide investment advice, recommendations, or suggestions regarding:

• Investment strategies or asset allocation
• Market timing or investment decisions
• Financial planning or wealth management

5.2 Service Limitations

Analysis Limitations:
• Our comparisons are based on historical performance data
• Past performance does not guarantee future results
• Market conditions, fund management changes, and other factors may affect accuracy
• Analysis is purely educational and informational

5.3 Accuracy and Methodology

Benchmark Comparison Methodology:
• We mimic your exact investment amounts and dates against benchmark funds
• Comparisons use publicly available NAV data
• Analysis assumes perfect execution without considering transaction costs, taxes, or fees
• Results may vary from actual investment scenarios

5.4 Data Source Disclaimer

Mutual Fund Data Sources: • NAV data sourced from publicly available information through "mftool" • We do not guarantee the accuracy, completeness, or timeliness of third-party data • Users should verify information independently before making investment decisions

6. User Restrictions

6.1 Age Requirements

Users must be at least 18 years of age to use our Service. We do not knowingly collect information from individuals under 18.

6.2 Geographical Restrictions

While our Service is accessible globally, it is primarily designed for:

• Users with Indian mutual fund investments
• CAMS statement holders
• Compliance with local laws and regulations may vary by jurisdiction

6.3 Usage Limitations

Prohibited Uses:
• Commercial redistribution of our analysis reports
• Reverse engineering or attempting to access our proprietary algorithms
• Uploading false, misleading, or fraudulent financial documents
• Using the Service for illegal activities or regulatory violations
• Sharing account credentials with unauthorized parties

6.4 Fair Use Policy

Users should upload reasonable amounts of data consistent with personal portfolio analysis purposes.

7. Intellectual Property

7.1 Our Intellectual Property

Portfolio Auditor owns all rights to:
• Service name, trademarks, and logos
• Proprietary analysis algorithms and methodologies
• Software, technology, and platform infrastructure
• Generated analysis reports and comparison methodologies
• Website design, content, and user interface

7.2 User Content License

When you upload CAMS statements:
• You retain ownership of your financial data
• You grant us a limited license to process and analyze your data solely for providing our Service
• This license terminates when you delete your account or request data deletion

7.3 Restrictions

Users may not reproduce, distribute, or create derivative works from our proprietary content without explicit permission.

8. Fee Structure

8.1 Service Model

Portfolio Auditor operates on a pay-per-analysis model. There are no subscription fees or recurring charges. Customers purchase analysis packages as needed, typically recommended on an annual basis for optimal portfolio review.

8.2 Lite Package - ₹499

Target Users: Individuals with single PAN investments seeking standard benchmark comparison

Key Features:
• Single PAN Investment Analysis
• Portfolio vs 6 Standard Benchmarks
• Performance Visualization Charts
• Rolling Return Analysis
• Comprehensive PDF Report
• 30-minute Expert Consultation

8.3 Plus Package - ₹999

Target Users: Individuals seeking advanced analysis with personalized recommendations

Key Features:
• Single PAN Investment Analysis
• Portfolio vs 6 Standard Benchmarks & 6 Custom Funds
• Performance Visualization Charts
• Comprehensive PDF Report
• Rolling Return Analysis
• Fund Recommendations & Back-testing
• 1-hour Expert Consultation

8.4 Family Package - ₹1,399

Target Users: Families requiring combined portfolio analysis across multiple PANs

Key Features:
• Up to 3 PANs Investment Analysis
• Combined Family Portfolio Analysis
• Portfolio vs 6 Standard Benchmarks & 6 Custom Funds
• Performance Visualization Charts
• Rolling Return Analysis
• Fund Recommendations & Back-testing
• Comprehensive PDF Report
• 1-hour Expert Consultation

8.5 Payment Terms

• Currency: Indian Rupees (INR)
• Payment Model: One-time payment per analysis
• Payment Processing: Secure online payment gateway
• Analysis Frequency: Recommended annually (minimum yearly analysis for optimal portfolio management)
• No Recurring Charges: Each analysis is purchased separately as needed

8.6 Pricing Policy

• All prices are inclusive of applicable taxes
• Prices are subject to change with reasonable notice
• No special offers or discounts currently available
• Payment must be completed before analysis begins

8.7 Refund Policy

Limited Refund Conditions: Portfolio Auditor operates a no-refund policy except in the following circumstances:

Refundable Situations:
• Technical issues preventing service access after payment
• Service not delivered as promised due to system failures • Inability to process uploaded CAMS statements due to technical errors on our end

Non-Refundable:
• Analysis reports already generated and delivered
• User dissatisfaction with analysis results or recommendations
• User error in uploading incorrect or incomplete CAMS statements
• Change of mind after analysis completion
• Market performance different from analysis projections

Refund Process: Contact support@portfolioauditor.com within 7 days of payment with detailed explanation of technical issues. Refunds will be processed after verification of technical problems.

9. Termination Conditions

9.1 User-Initiated Termination

You may terminate your account by:
• Contacting support@portfolioauditor.com
• Requesting account and data deletion
• Ceasing use of the Service

9.2 Company-Initiated Termination

We may terminate accounts for:
• Violation of these Terms and Conditions
• Fraudulent or illegal activity
• Abuse of Service or attempts to harm our systems
• Non-payment of fees (if applicable)
• Extended periods of inactivity

9.3 Data Handling After Termination

Upon account termination:
• Personal data deleted as per our Privacy Policy
• CAMS statements and reports deleted within 30 days
• Account access immediately revoked
• Backup data removed according to our retention schedule

9.4 Survival of Terms

Certain provisions of these Terms will survive termination, including intellectual property rights, disclaimers, and limitation of liability clauses.

10. Limitation of Liability

10.1 Service Disclaimer

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING:
• Accuracy of analysis or comparisons
• Uninterrupted or error-free operation
• Fitness for particular investment purposes
• Non-infringement of third-party rights

10.2 Liability Limitations

To the maximum extent permitted by law:
• Our liability is limited to the amount paid for the Service in the preceding 12 months
• We are not liable for indirect, incidental, or consequential damages
• We do not guarantee investment performance or outcomes
• Users assume full responsibility for investment decisions

10.3 Financial Loss Disclaimer

We are not responsible for any financial losses resulting from investment decisions made based on our analysis reports.

11. Dispute Resolution

11.1 Dispute Resolution Process

Direct Resolution: Contact support@portfolioauditor.com for issue resolution. We are committed to resolving disputes promptly and fairly through direct communication.

12. Modifications to Terms

12.1 Amendment Rights

We reserve the right to modify these Terms at any time. Changes will be effective:

• Upon posting updated Terms on our website
• With reasonable notice to users via email
• Immediately for legal compliance reasons

12.2 User Acceptance

Continued use of the Service after modifications constitutes acceptance of updated Terms.

Users who disagree with modifications should discontinue use and may request account termination.

13. Miscellaneous Provisions

13.1 Severability

If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions continue in full force and effect.

13.2 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Portfolio Auditor regarding the Service.

13.3 No Waiver

Our failure to enforce any provision does not constitute a waiver of that provision or any other provision.

13.4 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

13.5 Assignment

We may assign these Terms without notice. Users may not assign their rights or obligations under these Terms.

14. Contact Information

For questions about these Terms and Conditions, please contact:

Portfolio Auditor

• Email: support@portfolioauditor.com
• Address: 58, Ground Floor, 2nd Main Road, Nagapareddy Layout, Kaggadaspura, Bangalore, Pin Code - 560093, India

By using Portfolio Auditor's services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.