Expert Agreement

1. Who this agreement covers

This agreement is between the expert accepting it (“you”) and FVT GLOBAL CONSULTING PRIVATE LIMITED, registration 100645903451, registered office Ground floor, Flat No. 50A, Pocket A-12, Vaishali Apartments, Kalkaji, New Delhi, South Delhi, Delhi - 110019, India (“Finvestalk”, “we” or “us”). Read and affirmatively accept the displayed version before offering services. The appointed grievance-officer details remain to be confirmed before public launch. Contact support@finvestalk.com or +91 85859 21805 for assistance.

You confirm that you are at least 18 years old, can enter a binding contract and are not prohibited from providing the services shown on your profile.

Independent professional: You are an independent service provider—not an employee, agent, partner or representative of Finvestalk. You cannot bind Finvestalk or make promises on its behalf.

2. Your qualifications and permitted work

You must hold every registration, licence, membership, certification and insurance required for the services you provide. You must keep them valid and promptly tell us about expiry, suspension, investigation or disciplinary action.

Your profile, credentials, experience and availability must be accurate and kept current. You may only advise within your competence and the scope permitted by law and your regulator.

Where a service is regulated—such as investment advice—you must provide it only if properly authorised and must follow all applicable conduct, disclosure, suitability, record-keeping and client-agreement requirements.

No guaranteed outcomes: Never promise assured returns, risk-free investments, guaranteed tax results, guaranteed approvals or any outcome that depends on markets, authorities or third parties.

2A. Service-specific regulatory permission

General financial education is different from personalised securities or investment advice. A CFP, CA, CS, course certificate or NISM examination does not by itself establish SEBI investment-adviser or research-analyst registration. Before regulated services, provide the applicable registration or documented exemption, issuing authority, permitted scope and current status for review.

For investment advice or research, do not begin until applicable client agreements, risk profiling/suitability, fee, conflict, record-keeping and disclosure requirements are satisfied. Buy/sell/hold calls, model portfolios and portfolio management are not authorised merely by this Agreement. Insurance solicitation/distribution and loan intermediation require separate applicable authority and platform approval.

Finvestalk must assess its own marketplace, payment and regulatory responsibilities. Your registration does not register Finvestalk. Identity verification and platform access do not authorise regulated work. Suspend affected work immediately on loss or restriction of authority and notify Support.

3. Consultations and client care

Provide services honestly, carefully, on time and in the client’s best interests where your professional rules require it. Ask for enough information to understand the client’s request and explain material assumptions, risks, limits and conflicts.

Do not execute trades, receive client money or assets, impersonate a client, access a client account or provide a service that Finvestalk has not enabled.

Keep suitable records of advice and disclosures where the law or your regulator requires them. Finvestalk records do not replace your own professional record-keeping duties.

4. Platform access, commission and payouts

Finvestalk may provide discovery, communication, payment collection, support, safety and quality-review tools. Platform availability is not guaranteed and features may change for safety, legal or operational reasons.

Experts have no paid subscription or paid platform-access plan. The first calendar month of expert platform access is a free trial beginning when activated. No card, renewal payment or automatic subscription charge is required. The fixed 30% consultation commission applies during and after the trial. Approval, identity, compliance and account-status requirements still apply.

Finvestalk is the seller on the member consultation invoice. The expert sets the consultation base price, at no less than ₹10 per minute for chat and ₹15 per minute for audio. Finvestalk receives a fixed 30% of that base amount; the expert's gross share is the remaining 70%. GST is charged separately to the member and is excluded from the commission base and expert earnings. Applicable income-tax TDS is withheld from expert gross earnings to determine expert net earnings. Payment gateway fees are recorded separately and are not automatically deducted from the expert's share.

Client charges, taxes, refunds, reversals and payout timing are governed by the Payout & Tax Policy and the saved terms shown before you accept work.

5. Confidentiality and data

Use client information only to provide the requested service through Finvestalk. Apply reasonable security, limit access and promptly report suspected loss, misuse or unauthorised access.

Your handling of personal data is also governed by the Privacy Policy, Off-Platform Communication Policy and applicable data-protection law.

5A. Confidentiality, recordings and incidents

Do not sell, export, share or reuse client data for marketing or another client. Limit access to what is needed; any legally necessary professional retention must be protected and explained. Notify Finvestalk of suspected data exposure immediately and cooperate with investigation, preservation and lawful notification. Confidentiality continues after closure, subject to lawful disclosure.

Chat and files are stored. The current application does not offer platform call recording. Do not independently record a participant without informed permission and a lawful purpose. A future recording workflow must separately explain initiation, purpose, access, storage and deletion; this Agreement is not blanket recording consent.

Finny is an AI assistant. Do not present it as a registered professional or submit client secrets to an external AI tool without authority. Check AI-assisted work for accuracy and permitted use; you remain responsible for the professional service you deliver.

6. Suspension, termination and continuing duties

You may stop using the platform, subject to completing accepted work and resolving amounts due. Finvestalk may restrict or suspend access to protect users, investigate concerns, comply with law or enforce these policies. We will provide notice and an opportunity to respond where reasonably possible and legally permitted.

Confidentiality, data protection, intellectual-property licences already granted, payment adjustments, audit records, dispute terms and obligations that naturally continue will survive termination.

7. Responsibility and disputes

Each party is responsible for its own acts and legal obligations. A claim for reimbursement of third-party loss must be linked to proven breach, negligence or unlawful conduct, reasonably mitigated, promptly notified and subject to a fair opportunity to defend. No party indemnifies the other for the other’s own wrongdoing. Nothing excludes liability that cannot lawfully be excluded, including fraud, wilful misconduct or mandatory consumer/privacy duties.

Indian law governs this agreement. Parties may seek good-faith resolution through Support without delaying statutory remedies or limitation periods. A court, consumer commission or regulator with lawful jurisdiction remains available. No exclusive city forum or mandatory arbitration is imposed here.

1. Data covered

Expert data may include contact details, date of birth, PAN and tax details, identity and professional documents, bank details, profile information, consultation records, device and security data, support messages and compliance history.

Client data made available to you may include identity and contact information, financial circumstances, documents, messages and other information shared for a consultation. Finny conversation history and relevant context may be sent to configured OpenAI, Anthropic or Google Gemini services. Payment, email, SMS, file and call integrations include Razorpay, Resend, MSG91, Cloudflare R2 and LiveKit. The public Privacy Policy describes these flows; provider regions and retention must be verified operationally.

2. Why Finvestalk uses expert data

We use data to create and secure accounts; verify identity, credentials and eligibility; publish approved profiles; match and support consultations; process payouts and tax records; detect fraud and misuse; handle complaints; improve service quality; and comply with lawful requests.

Processing will rely on consent or another lawful basis available under applicable Indian law. Notices should remain clear, specific and available independently of this policy where consent is requested.

Limited purpose: Finvestalk should collect and retain only data reasonably needed for stated purposes, legal duties, disputes, fraud prevention and audit.

3. Sharing and service providers

Data may be shared with identity-verification, payment, cloud, communication, analytics, security, audit and professional advisers under appropriate contractual and security controls.

Data may also be disclosed to regulators, courts, law-enforcement bodies or other authorities where legally required, or to protect users and enforce rights. We do not authorise experts to sell client data.

Cross-border processing may occur only where permitted by applicable law and with appropriate safeguards.

4. Your duties with client data

Access only the minimum client information needed for the consultation. Do not copy it to personal notes, devices or cloud services unless necessary, secure and permitted by law and platform policy.

Do not use client information for marketing, profiling, referrals, personal benefit or another client. Do not disclose it to another person without a valid legal basis and any required client permission.

Report incidents immediately: If client or expert data is lost, sent to the wrong person, accessed without permission or otherwise compromised, stop further disclosure and report it to Finvestalk support without delay.

5. Security, retention and deletion

Finvestalk and experts must use reasonable technical and organisational safeguards, including access controls, secure devices, current software and protected credentials.

Records are retained only for operational, legal, tax, regulatory, fraud-prevention, complaint and audit periods. Data should then be deleted or anonymised unless continued retention is legally required.

6. Choices, rights and grievances

Experts may request access, correction, updating or erasure and may withdraw consent where applicable, subject to legal and contractual retention duties. Account closure does not require deletion of records that must lawfully be retained.

Use support@finvestalk.com or the Support ticket flow for privacy requests and grievances. The public Grievance Redressal page states the applicable deadlines, the operator's supplied registered-office details and the outstanding grievance-officer disclosure. The appointment and operational escalation process must be completed before public launch.

7. Indian data-protection framework

Read this policy with the public Privacy Policy. As of 20 September 2026, the principal DPDP notice, consent, children’s-data and rights provisions remain scheduled for the eighteen-month phase following November 2025 Gazette publication; consent-manager provisions have a one-year phase. Current IT Act/SPDI requirements continue to apply where relevant. Consent or a specifically permitted statutory use must support processing when required; no generic legitimate-interest exemption is asserted.

1. Earnings and platform commission

Finvestalk is the seller on the member consultation invoice. The expert sets the consultation base price, at no less than ₹10 per minute for chat and ₹15 per minute for audio. Finvestalk receives a fixed 30% of that base amount; the expert's gross share is the remaining 70%. GST is charged separately to the member and is excluded from the commission base and expert earnings. Applicable income-tax TDS is withheld from expert gross earnings to determine expert net earnings. Payment gateway fees are recorded separately and are not automatically deducted from the expert's share.

Experts have no paid subscription or paid platform-access plan. The first calendar month of expert platform access is a free trial beginning when activated. No card, renewal payment or automatic subscription charge is required. The fixed 30% consultation commission applies during and after the trial. Approval, identity, compliance and account-status requirements still apply.

The base price and charging method are shown before the consultation. Only completed and eligible services create payable earnings.

Finvestalk may hold an amount while a payment, complaint, refund, fraud review or chargeback is unresolved. Clear reasons and records should be shown where an adjustment is made.

2. Payout eligibility and timing

Payouts require a verified expert account, valid PAN, compliant bank details and completion of any legally required identity or tax checks. The bank account must belong to you or your approved professional entity.

Payout schedules are estimates, not guarantees. Banking holidays, processor delays, compliance reviews and incomplete information may affect timing.

No client funds: Do not ask clients to send consultation fees, investments, deposits, taxes or other money directly to you. All permitted platform charges must use Finvestalk’s approved payment flow.

3. Refunds, reversals and set-off

Experts do not pay for a platform plan or subscription, so there is no expert plan payment to refund. When a member receives a full or partial consultation refund, the corresponding expert earnings are reversed; this is an earnings adjustment, not a refund paid to the expert. Consultation refunds use the original transaction amounts and tax allocation, with full or partial reversals recorded separately. Original invoices and ledger records are preserved; applicable credit notes identify the original consultation. A refund does not recalculate the original transaction using today's tax configuration. Eligible expert net earnings become withdrawable only after the applicable hold, verification and payout checks; TDS already withheld at accrual is not charged again on withdrawal.

Finvestalk may refund a client under the cancellation, service-quality, fraud or dispute rules. Your related earnings may be reduced or recovered if the service was not delivered, was materially deficient, breached policy or the payment was reversed.

We should give you a reasonable opportunity to provide relevant records before a disputed adjustment, unless immediate action is needed for fraud, safety or legal compliance.

4. Income tax and withholding

The initial product configuration is 18% GST in addition to the base price and 1% income-tax TDS on expert gross earnings from the first rupee, with no annual exemption under the configured business rule. GST and TDS applicability, rates, withholding base, threshold and effective dates follow the authorized configuration and applicable tax treatment. These defaults are not a promise of a statutory rate. GST TCS, if applicable, is separate from both GST and income-tax TDS. The saved transaction and its invoice or statement record the amounts actually applied.

Example using the initial tax configuration: a ₹1,000 base consultation has ₹180 GST and a ₹1,180 member total. The platform commission is ₹300, expert gross earnings are ₹700, TDS is ₹7, and expert net earnings are ₹693. Actual records use the configuration saved with that consultation.

Finvestalk may deduct tax at source when required under the Income-tax Act, 2025 or other law then in force. The applicable section and rate depend on the legal character of the payment, your status and valid tax information; this policy does not promise a fixed rate.

Where available, withholding certificates and payout statements will be provided through the platform or registered contact details. You must review them and report discrepancies promptly.

5. GST and invoices

You are responsible for determining whether GST registration, invoicing and return filing apply to your services. Provide a valid GSTIN when registered and keep tax details current.

The parties’ invoicing model, place and time of supply, platform fee taxes and any tax collected through the platform must follow the final commercial and tax structure approved for production.

Get your own tax advice: Finvestalk statements are transaction records, not personal tax advice. Consult a qualified tax professional about your registration, deductions and filings.

6. Errors and account changes

Check payout statements and report an error promptly through Support, without shortening any statutory limitation period. Finvestalk may correct genuine calculation or processing errors even after a payout.

Bank-account or tax-detail changes may trigger reverification and a temporary payout hold to prevent fraud.

1. Your existing materials

You retain ownership of templates, methods, articles, presentations and other material you created before using Finvestalk, subject to any third-party rights.

When you upload content for a profile, consultation or platform feature, you confirm that you own it or have permission to use and share it for that purpose.

2. Licence to Finvestalk

You grant Finvestalk a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, format, transmit and display submitted content as needed to provide the requested service, secure it and meet legal duties. Public profile content may be displayed to explain your services. Private consultation material is not licensed for publicity, unrelated training or another client’s use; those uses need separate lawful permission.

For public profile content, the licence continues while the content is published and for reasonable backup, audit and legal-retention periods after removal.

You still own your work: This licence does not transfer ownership to Finvestalk. It lets the platform technically use the content for stated platform purposes.

3. Client materials and consultation outputs

Client documents and information remain the client’s or their owner’s property. Use them only for the requested consultation and do not reuse them in examples, training or marketing without valid written permission and appropriate anonymisation.

Unless separately agreed, a client may use the specific deliverable you provide for the client’s personal or internal business purpose. Your reusable tools, know-how and underlying templates remain yours.

4. Prohibited content

Do not submit content that infringes copyright, trade marks, privacy, confidentiality or other rights; contains malware; is unlawful, deceptive or defamatory; impersonates another person; or hides paid promotion or conflicts.

Citations, licensed extracts and third-party data must comply with their applicable terms. AI-assisted content must be checked by you for accuracy, confidentiality, bias and rights clearance before use.

5. Platform rights

Finvestalk and its licensors own the platform software, branding, interface, documentation and aggregate or de-identified analytics. No right is granted except the limited right to use the expert tools under platform terms.

Do not copy, scrape, reverse engineer, sell access to or misuse platform content or systems except where law expressly permits.

6. Reports and takedowns

Finvestalk may restrict content while investigating a credible rights or safety complaint. Experts should receive notice and a fair opportunity to respond where legally permitted.

Repeat or serious infringement may lead to removal, suspension and preservation of records needed for claims or lawful requests.

1. Honesty and professional care

Act honestly, fairly, in good faith and with the skill and care expected of your profession. Accept only work you are competent and legally permitted to perform.

Clearly distinguish facts, assumptions, general education and personalised advice. Correct material mistakes promptly.

2. Client interests, suitability and risk

Ask enough questions to understand the client’s needs. Where professional or regulatory rules require suitability or risk profiling, complete those steps before recommending action.

Explain material risks, costs, alternatives, limitations and uncertainty in language the client can understand.

Never guarantee returns: Do not promise profits, approvals, tax savings, loan sanction, legal success or any other assured result. Do not describe a risky product as safe or risk-free.

3. Conflicts and compensation

Avoid conflicts where possible. Promptly disclose any commission, referral benefit, product relationship, personal holding or other interest that could affect—or appear to affect—your judgment.

Do not let compensation influence the quality, independence or suitability of your service. Follow any stricter regulator rules that apply to you.

4. Respectful and inclusive conduct

Treat every user with dignity. Harassment, discrimination, threats, sexual conduct, intimidation, hate speech and retaliation are prohibited.

Do not exploit vulnerability, urgency, low financial literacy or confidential knowledge. Take extra care where a client may not understand the consequences of a decision.

5. Confidentiality and security

Keep consultations and client information confidential except where disclosure is authorised or legally required. Use secure devices and protect account credentials.

Never ask for passwords, OTPs, card PINs, UPI PINs or remote access to a client’s device or financial account.

6. Records, cooperation and reporting

Maintain records required by law and cooperate honestly with platform quality, complaint, safety and compliance reviews.

Report suspected fraud, client harm, data incidents, impersonation and serious professional misconduct without delay. Do not alter or destroy relevant records after learning of a review or dispute.

1. Default rule

Do not move a Finvestalk client to personal phone, email, messaging, video, payment or file-sharing tools to avoid platform controls, records, fees or safety measures.

Use only communication channels enabled for the consultation. If an approved channel fails, contact support instead of moving the client informally.

No direct payment requests: Never ask a Finvestalk client to pay you directly by cash, bank transfer, UPI, wallet, crypto or another service for work introduced through Finvestalk.

2. Limited permitted contact

Off-platform contact may be permitted when Finvestalk expressly authorises it for a defined workflow, when a regulator or law requires a channel, or when necessary to interact with an authority or third party for the client’s requested service.

Use the minimum information needed, obtain any required client permission and record the reason and outcome in the platform where possible.

3. Prohibited conduct

Do not solicit clients for competing services, hide communications, request personal contact details unnecessarily, send unsolicited promotions or continue contact after a client asks you to stop.

Do not ask a client to misstate how you met, cancel a platform booking and rebook privately, or split payments to avoid controls or taxes.

4. Privacy and emergency communications

An approved exception does not reduce confidentiality, security, record-keeping or data-protection duties.

If an immediate safety or fraud risk requires urgent external contact, take proportionate action, avoid requesting sensitive credentials and report the event to Finvestalk as soon as practicable.

5. Enforcement

Finvestalk may review relevant platform records, pause payouts, restrict contact tools, warn, suspend or remove an expert for violations, subject to applicable law and a fair review process.

Serious suspected fraud, unlawful solicitation, data misuse or professional misconduct may be reported to affected users, payment partners, regulators or authorities where lawful and appropriate.

1. Accuracy and ownership

I confirm that my name, date of birth, address, PAN, contact details, bank information, qualifications, registrations, work history and all uploaded documents are true, complete, current and not misleading.

I am the person identified in the documents, or I am duly authorised to provide information for the approved professional entity linked to my account.

False documents are prohibited: Do not upload altered, borrowed, fabricated, expired or unlawfully obtained documents. A mismatch must be corrected before submission.

2. Verification permission

I authorise Finvestalk and its approved service providers to validate submitted information against issuing authorities, professional bodies, payment or banking verification services, fraud-prevention sources and lawful public records where permitted.

The application supports document uploads, OCR/automated validation and manual review, together with bank and credential information. A successful identity check does not establish professional authorisation. Biometric or liveness processing is not authorised by this general declaration and would require a separate, specific notice and permission where required.

3. Data handling and limits

Verification data must be used only for stated onboarding, safety, fraud, payment and legal purposes, protected with appropriate safeguards and retained only as needed under the Privacy Policy and law.

Automated checks may be imperfect. A failed or uncertain match should allow correction or manual review and should not be treated as proof of fraud by itself.

4. Duty to update

I will promptly update information that changes and notify Finvestalk of expired, suspended, cancelled or restricted credentials, registrations or bank authority.

I understand that material inconsistencies may delay onboarding, pause payouts, require additional evidence or lead to account action after a fair review.

5. Records and lawful disclosure

Finvestalk may keep an audit record of checks, results, submissions and corrections and may disclose relevant information where required by law, court order, regulator or a valid fraud investigation.

1. Electronic records and contracts

You consent to using electronic records for onboarding, agreements, declarations, notices, payout statements, tax records and account communications, except where law requires another form.

Under section 10A of the Information Technology Act, 2000, a contract is not unenforceable only because electronic means were used to form it.

Your click records acceptance: When you tick an enabled “I have read and agree” box and submit it, you intend to accept the exact document version displayed with your account, date, time and available audit details.

2. How consent is recorded

Finvestalk may record the document name and version, acceptance time, account identifier, IP address, device or browser information, country signal and a cryptographic hash for evidence, security and audit.

You must use only your own account and keep login and OTP credentials secure. Tell Finvestalk promptly if you believe an acceptance was made without your authority.

3. Access and copies

You should be able to view the document before accepting it and access or request a copy of accepted terms. Save a copy for your records.

You are responsible for maintaining a working device, internet connection, supported browser and current email or mobile contact needed to receive records.

4. Notices and updates

Operational notices may be delivered in the dashboard, by email or SMS to your registered contact. A notice states its effective date and complies with applicable law; this does not authorise promotional messages or deem an unread material amendment accepted.

Material contractual updates require notice of the new version and affirmative acceptance for the affected service. Earlier accepted versions and their evidence remain preserved; completed transactions are not retrospectively rewritten.

5. Withdrawal and paper records

You may withdraw consent to future electronic communications by contacting support, but this may prevent use of a service that can reasonably operate only electronically. Withdrawal does not invalidate records or acceptances already made.

Paper copies may be requested through support and may involve a reasonable disclosed cost where lawful. Legally required non-electronic processes will remain available.