Important Disclaimer: MyNiveshIQ is an informational and data analytics platform only. All AI-generated analysis and recommendations are for educational and informational purposes only and do not constitute investment advice, financial advice, or solicitation to buy or sell any security. Always consult a SEBI-registered Investment Advisor before making any investment decision.
By accessing or using MyNiveshIQ ("Service", "Platform", "we", "us") at myniveshiq.in, you ("User", "you") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use the Service.
We reserve the right to modify these Terms at any time. Continued use of the Service after any changes constitutes your acceptance of the revised Terms.
MyNiveshIQ is an AI-powered portfolio intelligence platform that allows Indian investors to:
The Service is provided as-is for informational purposes. All recommendations are generated by AI models and are not financial advice.
You must be at least 18 years of age and a resident of India to use the Service. By using the Service, you represent and warrant that you meet these requirements.
To access most features, you must register for an account. You agree to:
We reserve the right to terminate accounts that violate these Terms or engage in fraudulent activity.
The Service allows you to connect your broker accounts by providing API credentials. By doing so, you:
You may disconnect your broker account and delete all associated data at any time from the platform settings.
Platform access is free for all users. There is no monthly platform fee. Paid AI analysis features are billed only through prepaid AI wallet credits described below.
Wallet recharge packs are available at ₹199, ₹399 and ₹599. Wallet credits are used for AI Stock Analyzer and AI Portfolio Analyzer. Internal LLM token pricing remains unchanged; deductions are based on the AI processing cost calculated by the platform.
New users receive one free AI Stock Analyzer run upon registration, covering up to 3 stocks. The free trial applies to the AI Stock Analyzer only; AI Portfolio Analyzer, AI Stock Investment Advisor and Portfolio Review are charged from the first run. One free run per account, and one per IP address per day. Free trial runs expire and cannot be carried over.
Wallet top-ups are processed via Cashfree. Accepted payment methods may include UPI, net banking, debit cards and credit cards. The payable amount is the wallet credit pack only — no platform fee is added.
Wallet balance is non-transferable, does not earn interest, and can only be used for supported AI analysis credits unless we explicitly state otherwise.
MyNiveshIQ is not a SEBI-registered Investment Advisor. All analysis, signals, SELL/HOLD recommendations, and content on this platform are purely for informational and educational purposes. Nothing on this platform should be construed as investment advice, financial advice, or a solicitation to buy or sell securities. Past performance of AI recommendations is not indicative of future results. You are solely responsible for your investment decisions.
You agree not to:
All content, software, design, trademarks, and intellectual property on the platform are owned by or licensed to MyNiveshIQ. You may not copy, reproduce, distribute, or create derivative works without our prior written consent.
AI-generated analysis reports are provided for your personal, non-commercial use only.
The Service integrates with third-party services including broker APIs, Cashfree (payments), Telegram (notifications), and AI model providers (including Anthropic). Your use of these integrations is subject to their respective terms of service and privacy policies. We are not responsible for any third-party service failures or data handling practices.
To the maximum extent permitted by applicable law:
You agree to indemnify and hold harmless MyNiveshIQ and its affiliates, officers, employees, and agents from any claims, liabilities, damages, or expenses arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.
We may suspend or terminate your account at any time for violation of these Terms, fraudulent activity, or at our discretion with reasonable notice. Upon termination, your wallet balance will be refunded to your original payment method within 7 business days, subject to our Refund Policy.
You may delete your account at any time from the platform settings. Deletion will permanently remove your data including broker connections, holdings, and analysis history.
These Terms are governed by the laws of India. Any disputes arising from or related to these Terms shall be subject to the exclusive jurisdiction of the courts of India.
For any questions, disputes, or concerns regarding these Terms, please contact us at: