By using Investment offered by Phone Touch Finance, you agree to the following terms and conditions:

1. Eligibility: Investors must meet the eligibility criteria outlined by Phone Touch Finance. Failure to meet these criteria may result in the rejection of the investment application:

   1. Age: Investors must be at least 21 years old at the time of application.
   2. Identification: A valid government-issued identification document, such as a aadhaar, passport or driver's license, is required for identity verification. Pan card is mandatory for identity verification.
   3. Residential Status: Investors should be residents of the country specified in the investment application. Non-residents may not be eligible for certain investment options.
   4. Legal Capacity: Investors must have the legal capacity to enter into a financial agreement. This includes being of sound mind and not subject to legal restrictions that would prohibit investment.
   5. Compliance with Regulatory Requirements: Investors must comply with all applicable laws and regulations related to financial investments in their jurisdiction.
   6. Financial Suitability: It is recommended that investors assess their financial situation and ensure that the chosen investment aligns with their financial goals and risk tolerance.
   7. Account Registration: Investors are required to complete the registration process accurately, providing truthful information and documentation as requested.
   8. Acceptance of Terms: By proceeding with the investment, investors acknowledge and accept the terms and conditions outlined by Phone Touch Finance.

   Meeting these eligibility criteria is essential for a successful investment application. Phone Touch Finance reserves the right to reject applications that do not meet these requirements or violate any of the specified terms.

2. Investment Amount: Minimum and maximum investment amounts are specified by Phone Touch Finance. Any investment exceeding these limits may be rejected.

   1. Minimum Investment Amount: Investors are required to invest a minimum of ₹10,000 to participate in Phone Touch Finance investment plans.
   2. Maximum Investment Amount: The maximum investment limit is set at ₹50,00,000 (50 Lakhs). Exceeding this limit may result in the rejection of the investment application.
   3. Consideration of Financial Goals: Investors are encouraged to carefully consider their financial goals and risk tolerance when selecting an investment amount within the specified range.
   4. Application Rejection: It's important to note that exceeding the maximum investment limit may lead to the rejection of the investment application.
   5. Diverse Opportunities: The investment amount range has been designed to cater to a diverse range of investors, accommodating both modest and substantial investment goals.

3. Return Rates: Daily return rates are fixed at 1% and are calculated on business days (Monday to Friday). Returns are not processed on weekends and holidays.

   1. Fixed Daily Return: Phone Touch Finance offers a fixed daily return rate of 1% on the invested amount.
   2. Calculation Basis: Returns are calculated on business days (Monday to Friday) only. Returns are not processed on weekends and holidays.
   3. Predictable Returns: Investors can anticipate consistent and predictable returns, providing a transparent and straightforward investment experience.
   4. No Returns on Weekends and Holidays: Returns are credited only on business days, and no returns are processed on weekends and specified holidays.

   Phone Touch Finance aims to provide a reliable and predictable return structure for investors, enhancing the transparency and clarity of the investment experience.

4. Investment Term: The term of the investment shall be 12 months from the date of activation. The following conditions apply:

   1. Investment Term: The investment term is set at 12 months from the date of activation.
   2. Activation Date: The activation date is the date on which the investment is activated and the return cycle begins.
   3. Return Cycle: Returns are processed on a daily basis, and the investment term is set at 12 months from the activation date.
   4. Early Withdrawal: Investors may withdraw their investment before the end of the term. However, this may result in the loss of returns. T&C apply.
   5. Investment Renewal: Investors may re-investment after the end of the term. This will initiate a new investment cycle.

5. Payout Crediting Schedule: Returns from the investment will be credited into the Investor's designated withdrawal wallet according to the following schedule:

   1. Crediting Dates: Payout will be credited on the 7th, 15th, 22nd, and 28th of each month.
   2. Designated Withdrawal Wallet: Returns will be deposited into the Investor's designated withdrawal wallet, providing a specific and secure channel for fund disbursement.
   3. Frequency: The schedule ensures a consistent and predictable frequency, allowing investors to plan for the receipt of returns at specified intervals.
   4. Transparent Process: This crediting schedule is designed to maintain transparency and facilitate a smooth process for the transfer of returns, enhancing the overall investor experience.

   Investors can anticipate the credited returns to withdrawal wallet on the specified dates, facilitating efficient financial planning and withdrawal management.

6. Daily Withdrawal Limit: The daily withdrawal limit for investors is set at ₹2 Lakhs. Key points regarding this limit include:

   1. Maximum Daily Withdrawal: Investors are permitted to withdraw a maximum of ₹2 Lakhs daily.
   2. Frequency of Withdrawals: Investors can make daily withdrawal requests, provided they do not exceed the ₹2 Lakhs limit on each withdrawal.
   3. Withdrawal Process: Withdrawal requests can be initiated through the designated withdrawal process, ensuring a secure and straightforward mechanism for accessing funds.
   4. Crediting Schedule: The credited withdrawal amount will follow the payout crediting schedule, occurring on the 7th, 15th, 22nd, and 28th of each month.

   This daily withdrawal limit is implemented to maintain financial security, manage liquidity, and facilitate a controlled withdrawal process for investors.

7. Monthly Renewal Charge: A monthly renewal charge of 5% of the investment amount is applicable to your Phone Touch Finance account. It is essential to note the following:

   1. Renewal Frequency: The renewal charge is applied on a monthly basis, ensuring the continuous operation of your investment plan.
   2. Calculation Basis: The charge is calculated as 5% of the total investment amount.
   3. Automatic Deduction: The renewal charge is automatically deducted from your return balance each month if you set the automatic deduction.
   4. Non-Renewal Consequence: Failure to renew your account will result in the non-crediting of daily returns. It is imperative to renew your account promptly to maintain the regular flow of returns.
   5. Communication: Timely reminders and notifications will be sent to inform you of upcoming renewals, allowing you to make informed decisions about the continuity of your investment.

   The monthly renewal charge is implemented to support the ongoing management and sustainability of your investment plan with Phone Touch Finance.

8. Principal Withdrawal Policy: The principal withdrawal policy governs the process and conditions surrounding the withdrawal of the invested principal amount. Here are the key details:

   1. No Withdrawal Policy: The principal amount cannot be withdrawn after the activation date of the investment.
   2. Investment Continuity: The investment term is set at 12 months from the activation date, and the principal amount cannot be withdrawn before the end of the term.
   3. Purpose of Policy: This policy aims to maintain the stability of the investment structure by disallowing withdrawals after the investment has been activated.
   4. Communication: Investors will receive clear communication and reminders regarding the withdrawal restrictions, allowing them to make informed decisions and plan accordingly.

   This policy aims to provide transparency and set clear expectations for investors regarding the withdrawal of the principal amount throughout the investment duration.

9. Emergency Loan Facility: In unforeseen circumstances, Phone Touch Finance offers an Emergency Loan facility to provide financial support to investors. Here are the details of this facility:

   1. Loan Limit: Investors can apply for an emergency loan of up to 40% of their total investment amount. T&C apply.
   2. Eligibility: Investors are eligible to apply for an Emergency Loan after the initial 45 days from the activation date of the investment.
   3. Emergency Hours: The Emergency Loan facility is available between 9.00 PM to 6.00 AM, allowing investors to access funds during critical hours.
   4. Interest-Free Period: The Emergency Loan comes with a 15-day interest-free period from the date of loan disbursement. During this period, no interest will be charged.
   5. Repayment Period: Investors are required to repay the full loan amount within the 15-day interest-free period to avoid additional charges.
   6. Charges After 15 Days: In case the investor fails to repay the loan within the 15-day interest-free period, a charge will be applied, and the amount will be deducted from the total investment amount.
   7. Daily Returns Continuation: Investors can continue to receive daily returns on the remaining invested amount even after taking an Emergency Loan.
   8. Communication: Investors will receive clear communication and guidelines on the application process, entitlement, and repayment obligations related to the emergency loan.
   9. Loan Purpose: The Emergency Loan facility is designed to provide financial support to investors in unforeseen circumstances.

   This entitlement is designed to offer financial flexibility while encouraging responsible use of the emergency loan facility.

10. Termination: Phone Touch Finance reserves the right to terminate an investor's account in the case of policy violations or breaches of the terms and conditions.

    1. Policy Violations: Phone Touch Finance reserves the right to terminate an investor's account in the case of policy violations or breaches of the terms and conditions.
    2. Investor Obligations: Investors are required to comply with the terms and conditions outlined by Phone Touch Finance. Failure to do so may result in the termination of the account.
    3. Communication: Investors will receive clear communication and reminders regarding the terms and conditions, allowing them to make informed decisions and avoid policy violations.
    4. Investment Continuity: In the case of account termination, the investor will be entitled to the remaining invested amount, subject to the applicable deductions.

11. Investment Risks Disclosure: Investing with Phone Touch Finance involves certain risks that investors should carefully consider. Below are key risk factors associated with our investment plans.

    1. Market Risk: Returns on investments are subject to market fluctuations. Changes in economic conditions, interest rates, and other external factors can impact investment performance.
    2. Trading Risks: The investment process involves trading activities, and there is a risk of losses associated with market volatility, unexpected events, or trading decisions.
    3. No Guaranteed Returns: Phone Touch Finance does not guarantee specific returns or profits. The performance of investments is influenced by various factors, and past performance does not ensure future results.
    4. Regulatory and Legal Risks: Changes in regulatory requirements or legal frameworks may impact the services provided by Phone Touch Finance. Investors are responsible for understanding and complying with relevant regulations.
    5. Emergency Loan Risks: Availing the Emergency Loan facility involves repayment obligations. Failure to repay within the stipulated period may result in additional charges and deductions from the total investment amount.
    6. External Factors: External factors such as geopolitical events, economic downturns, or unforeseen circumstances can impact investment performance.

    Investors should carefully assess their risk tolerance, financial situation, and investment objectives before participating. Phone Touch Finance encourages investors to seek professional advice and fully understand the risks associated with their investment decisions.

    Investing always involves risks, and it's essential to stay informed and make decisions based on thorough consideration.

12. Money Return Assurance: In the unlikely event that we are unable to fulfill our commitment to return your invested money, Phone Touch Finance assures investors that a comprehensive refund will be processed within a reasonable timeframe. Here are the details.

    1. Assurance Period: If, for any reason, we cannot fulfill the return commitment, investors are guaranteed a complete refund of their invested money.
    2. Timeframe: The refund will be initiated within 3 years from the date of the commitment breach, ensuring a reasonable timeframe for resolution.
    3. Conditions: This assurance applies under any conditions that may prevent the return of invested money, providing investors with a safety net in unforeseen circumstances.
    4. Transparency: Phone Touch Finance is committed to transparency in its operations, and any challenges hindering the return of money will be communicated to investors promptly.
    5. Communication: In the rare occurrence of this situation, clear communication will be provided to investors, outlining the reasons for the delay and the steps being taken to rectify the issue.

This assurance is a testament to Phone Touch Finance's dedication to the financial security and peace of mind of our valued investors. It is a proactive measure to address unforeseen challenges and reinforce our commitment to financial integrity.

Disclaimer:

Phone Touch Finance acknowledges the importance of providing a transparent and reliable investment platform. However, investors must recognize and comprehend the inherent risks associated with investment endeavors.

Engaging in investments entails exposure to market risks, where unforeseen events, economic fluctuations, and interest rate variations can impact performance. Past successes do not guarantee future outcomes, emphasizing the unpredictable nature of markets.

It is essential for investors to stay informed about and adhere to regulatory requirements within their jurisdiction. Phone Touch Finance may adapt its services in response to evolving regulatory frameworks.

The Emergency Loan facility, while designed to offer financial flexibility, comes with specific terms, including an interest-free period and repayment obligations. Investors are urged to thoroughly review these terms.

Policies governing principal withdrawal and termination are structured to balance flexibility with the stability of the investment framework. Investors are encouraged to consider these policies before making decisions.

Our commitment to return invested money within 3 years under any conditions acts as a safeguard in the face of unforeseen challenges. This commitment is subject to a reasonable timeframe and transparent communication in case of any delays.

Investors should carefully evaluate their risk tolerance, financial objectives, and the terms provided before participating in investment activities with Phone Touch Finance. This disclaimer serves as a comprehensive overview of key considerations, and by participating, investors acknowledge and accept the associated risks.

For specific inquiries or concerns, investors are welcome to contact our customer support team for further assistance.
Phone Touch Finance reserves the right to modify, amend, or update this disclaimer as deemed necessary.

Investors are strongly advised to carefully read and fully understand these terms and conditions before proceeding with any investment.

For any questions or concerns, contact our support team at support@phonetouchfinance.in or call us at 011-6931-1870.