KYFR Terms & Conditions

By creating an account, downloading the application or using any KYFR service, users agree to these Terms and Conditions and the Privacy Policy.

KYFR brand and logo are owned by Flowlabs Tech Private Limited (“Flowlabs Tech”). The brand is used by Flowlabs Tech Private Limited and by its subsidiary, Flowlabs Investment Advisors Private Limited (“Flowlabs Investment Advisors”), each for providing their respective services to customers. The services described in these Terms are provided by Flowlabs Investment Advisors Private Limited, an Investment Adviser registered with the Securities and Exchange Board of India (SEBI Registration No. INA000023320). Flowlabs Tech is not a SEBI-registered investment adviser and does not provide investment advice. Flowlabs Tech builds and maintains the KYFR technology platform and provides it to Flowlabs Investment Advisors as a technology service provider. References to KYFR, we, us and our in these Terms mean Flowlabs Investment Advisors.

Users must be at least eighteen years of age, possess the legal capacity to enter into a binding agreement and use the service only for lawful purposes.

KYFR is an AI-powered pre-decision financial clarity tool that provides informational insights. Flowlabs Investment Advisors is a SEBI-registered Investment Adviser. It is not a bank, lender, payment service provider, insurance adviser or financial institution.

Spend analysis, financial insights and other general features of KYFR are available to all users. Personalised investment advice is provided by Flowlabs Investment Advisors only to users who choose to become its advisory clients, after completing risk profiling and signing a separate investment advisory agreement. That agreement governs the advisory relationship together with these Terms and prevails in case of any conflict.

Insights generated by KYFR are probabilistic and informational in nature. Insights provided through general features are not personalised investment advice and are not legal or tax advice. Investment advice is provided only to advisory clients as set out under Nature of Service.

Flowlabs Investment Advisors remains solely responsible for the output of the artificial intelligence tools used in KYFR, for the privacy and security of the data those tools process and for compliance with applicable law. The extent to which AI tools are used in advisory services is disclosed to advisory clients.

Users are responsible for maintaining the confidentiality of account credentials and for all activity undertaken through their account.

Users may not reverse engineer, scrape, disrupt, misuse or attempt unauthorised access to the service or use KYFR for unlawful financial activities.

Data connections are read-only, consent-based and revocable. KYFR does not store bank login credentials or Google passwords.

KYFR lets you view your credit score and credit report from CRIF High Mark Credit Information Services Private Limited. The report is obtained by Flowlabs Investment Advisors Private Limited, acting as your authorised representative under its arrangement with CRIF High Mark. This requires your separate consent, given on the credit report screen, which you can withdraw at any time in Settings.

Your credit score and report are shown as received from CRIF High Mark. KYFR does not create, change or verify this information and is not responsible for its accuracy. KYFR may highlight accounts or entries for you to review, but you are responsible for confirming whether they are correct.

To dispute anything in your report, contact CRIF High Mark directly. KYFR will point you to the right channel. Checking your score through KYFR is a soft enquiry and does not affect your score.

Features and functionality may change during beta periods and the service may experience interruptions or inconsistencies.

All software, algorithms, trademarks, interfaces and other technology forming part of KYFR remain the property of Flowlabs Tech Private Limited, the owner of the KYFR brand, and are licensed to Flowlabs Investment Advisors for providing its services. User data received by Flowlabs Investment Advisors, and the insights, advice, reports and records generated from it in providing KYFR services, are held and controlled by Flowlabs Investment Advisors as the regulated entity and Data Fiduciary. Flowlabs Tech accesses them only to provide technology services on behalf of Flowlabs Investment Advisors and not for any other purpose. Users retain ownership of their personal and financial data.

To the maximum extent permitted by law, KYFR is not responsible for financial losses arising from user decisions, third-party data inaccuracies or events beyond reasonable control. Nothing in these Terms excludes liability that cannot legally be excluded. Nothing in these Terms limits the obligations of Flowlabs Investment Advisors under the SEBI (Investment Advisers) Regulations, 2013 or under any investment advisory agreement.

Accounts may be suspended or terminated where users breach these Terms, misuse the service or where action is required by law.

These Terms are governed by the laws of India and disputes are subject to the exclusive jurisdiction of the courts of Bengaluru, Karnataka, India.

Without prejudice to the above, users may raise grievances with Flowlabs Investment Advisors and, if a grievance is not resolved, escalate it through SEBI’s SCORES platform or the Online Dispute Resolution (Smart ODR) portal in accordance with applicable SEBI circulars. Details are available on the Grievance Redressal page.

Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Investment in securities market are subject to market risks. Read all the related documents carefully before investing.