Terms of Service

1. About EchoWealth

EchoWealth Financial Services LLP is a SEBI-registered Investment Adviser (Registration No.: [INA Placeholder]) providing investment advisory, financial planning, tax advisory, realty advisory, and estate planning services to individual and institutional clients across India and the GCC.

2. Eligibility

Our services are available to:

• Individuals who are 18 years of age or older and residents of India.
• Non-Resident Indians (NRIs) and Persons of Indian Origin (PIOs) subject to applicable FEMA regulations.
• Hindu Undivided Families (HUFs), corporates, and other eligible entities under applicable law.

By engaging our services, you represent that you meet the eligibility criteria above and that the information you provide is accurate and complete.

3. Nature of Services

EchoWealth provides personalised financial advisory services. Our advice is based on the information provided by you and our assessment of your risk profile, financial goals, and investment horizon. Our services include:

• Investment advisory and portfolio review
• Comprehensive financial planning
• Tax planning and compliance assistance
• Estate planning and succession advisory
• Real estate advisory
• Business solutions and corporate advisory

4. Investment Risk Disclaimer

Investments in securities, mutual funds, and other financial products are subject to market risk. Past performance is not indicative of future results. There is no guarantee of returns. The value of investments may go up or down.

Our advisory services are based on publicly available information and our professional judgment. We do not guarantee the accuracy, completeness, or timeliness of any information provided. You are solely responsible for your investment decisions.

5. Fees and Charges

Our fees are disclosed to you upfront in the engagement letter or service agreement prior to commencement of advisory services, in compliance with SEBI (Investment Advisers) Regulations, 2013. Fee structures may vary by service type (fixed fee, percentage of assets under advice, or a combination). We do not accept commissions, referral fees, or any other form of compensation from product manufacturers that may create a conflict of interest, unless expressly disclosed.

6. Client Obligations

As a client, you agree to:

• Provide accurate, complete, and up-to-date personal, financial, and KYC information.
• Notify us promptly of any material changes to your financial situation or investment objectives.
• Not use our services for any unlawful purpose, including money laundering or tax evasion.
• Keep your login credentials (if any) confidential and not share them with third parties.

7. Intellectual Property

All content on this website — including text, graphics, logos, reports, and software — is the property of EchoWealth Financial Services LLP and is protected under applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

8. Limitation of Liability

To the maximum extent permitted by applicable law, EchoWealth shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Reliance on information provided on our website or in our reports.
• Investment losses resulting from following our advice.
• Interruption or unavailability of our website or services.
• Unauthorised access to or alteration of your data.

9. Termination

Either party may terminate the advisory relationship by providing written notice as specified in the engagement letter. Upon termination, we will provide a final summary report and cease further advisory activities. All fees due up to the date of termination remain payable.

10. Grievance Redressal

If you have a complaint regarding our services, please first contact our Grievance Redressal Officer at grievance@echowealth.in. If your complaint is not resolved within 30 days, you may escalate to SEBI via SEBI SCORES.

11. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts at Thiruvananthapuram, Kerala.

12. Changes to Terms

We reserve the right to amend these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Continued use of our services constitutes acceptance of the revised Terms.

13. Contact

Echo Wealth Pvt Ltd
Trivandrum, Kerala, India
Email: info@echowealth.in