Last updated: 21 August 2026
FINWEL is a platform owned and operated by Aadidaivam International Private Limited, CIN U74999GJ2018PTC105315, GSTIN 24AARCA6053B1ZW, Unit 506, Hiranandani Signature, GIFT City IFSC, Gandhinagar, Gujarat, India. In these Terms, "FINWEL", "we", "us" and "our" mean that company, and "you" means the person using the Platform.
By using the Platform , you are agreeing to be governed by the Terms and Conditions set out below, read with Our Privacy Policy and with the terms and conditions (if any) specific to the products and/or services availed by You.
Please note that Your browsing, accessing, downloading and/or using the FINWEL Platform is subject to the terms and conditions stated herein. If You do not agree to any or all of the following terms and conditions, You should not use or access the FINWEL Platform and/or the FINWEL Platform Services in any manner.
By using the Platform you confirm that:
Register and complete KYC to use most services. Keep your password and OTPs private. You are responsible for activity carried out through your account, including where you permit another person to access it. We will never ask you to disclose your net-banking password or UPI PIN through chat, email, telephone, or any other communication channel. Any such request should be treated as unauthorised and reported to us immediately.
Write to info@adiint.com the moment you suspect unauthorised access, so we can block the account. We may suspend an account without notice where activity appears fraudulent or unlawful, and will tell you why as soon as we reasonably can.
A. Income tax returns
We prepare and file your return only from the information and documents you give us. You are the assessee and remain responsible for everything declared including income, foreign assets and income, deductions, exemptions, bank accounts. Using FINWEL does not move that responsibility to us.
A return is complete only on submission and generation of an acknowledgement, and valid only once you verify it within the time allowed. An unverified return is treated as never filed.
Any interest, fee, penalty or demand raised by the Income Tax Department is yours to pay. We do not appear before tax authorities and do not handle assessments, appeals, rectifications or notices. Refunds are decided and released by the Department alone; we neither control nor guarantee their amount or timing.
Computations apply our understanding of the law on the date generated. A Chartered Accountant reviews them before filing, but they are not a certificate, an assurance engagement or a legal opinion.
Returns are reviewed by a practising Chartered Accountant before filing, on the basis of what you have provided. That professional acts in their own capacity and is independently bound by the Chartered Accountants Act, 1949 and the ICAI Code of Ethics, including confidentiality.
Your fees are for the Platform and the preparation and filing service; we arrange the reviewing professional as part of it.
Consultations are for discussing your position. Nothing said in one is a certificate or a formal opinion unless we agree in writing to issue one.
B. Mutual funds
We distribute mutual funds only as an AMFI-registered distributor, ARN-192326, on an execution-only basis.
We do not give investment advice and do not recommend any scheme. Calculators, comparisons, performance data, filters, rankings and articles are general information. Every investment decision is yours, on your own evaluation.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance does not indicate future returns and no return is guaranteed.
We earn commission from Asset Management Companies on schemes distributed through the Platform. It varies by scheme and AMC, is paid out of the scheme as SEBI permits, is not charged separately to you, and appears in the Consolidated Account Statement your Registrar and Transfer Agent sends you.
C. Global Stocks, Mutual Funds and ETFs
We facilitate access to global stocks, mutual funds and Exchange-Traded Funds (ETFs) through a Global Access Provider authorised by the International Financial Services Centres Authority (IFSCA), on an execution-only, non-discretionary basis.
Transactions are executed through the relevant Global Access Provider and other regulated intermediaries. We do not hold your money or securities and do not guarantee the performance, settlement, custody or conduct of any third party.
D. Previews and forthcoming services
Some services appear marked as previews or coming soon. These demonstrate planned functionality. No live order is placed and no transaction is executed through a preview. Nothing shown as a preview is an offer to provide that service, and we are not obliged to launch it.
We may add, change, suspend or withdraw any Service at any time, and we do not promise uninterrupted availability.
E. Third parties
Some Services run through independent providers AMCs, Registrars and Transfer Agents, KYC agencies, exchange platforms, depositories, banks, payment gateways and cloud providers. Your relationship with them is direct and on their terms.
We act as facilitator and distributor only. We do not accept deposits, do not hold your money or securities, and do not guarantee the performance or conduct of any third party.
Fees are shown before you avail a Service and may change. Prices are inclusive of GST unless stated otherwise, and payment is due in full before delivery. Payments go through a payment gateway; we do not see or store your card, UPI or net-banking credentials.
Except where a refund is required under applicable law, fees are non-refundable once work has begun. Failed or duplicate payments caused by a technical error will be reversed to the original payment method.
Do not impersonate anyone or use another person's PAN, credentials or documents. Do not upload anything false, unlawful, obscene, defamatory or infringing. Do not use the Platform for money laundering, tax evasion, fraud or any other unlawful purpose.
Do not introduce viruses or malicious code, attempt unauthorised access, scrape or crawl the Platform, use automated tools on it, or reverse engineer, decompile or copy any part of it.
We may restrict, suspend or close an account used in any of these ways, and refer the matter to the appropriate authority.
All content, software, design and the marks "FINWEL", "ADI" and "Aadidaivam International Pvt. Ltd. " belong to us or our licensors. You have a limited, revocable, non-transferable licence to use the Platform for your own personal, non-commercial purposes. You may not copy, republish, sell or commercially exploit any part of it without our written consent, and access grants you no ownership in any underlying software.
Documents you upload remain yours. You grant us a limited right to store, process and share them as needed to deliver the Services you have availed, as set out in the Privacy Policy.
Your personal and financial data is handled as described in our Privacy Policy. By using the Platform, you consent to this and to sharing your data with the service providers where needed to deliver a service.
You agree to receive service and transactional communications necessary for your account and the Services. Promotional communications will be sent only in accordance with your consent, communication preferences and applicable law. You may opt out of promotional communications at any time.
Service-related messages cannot be switched off while your account is active. Messages sent to your registered email or mobile are treated as delivered.
The Platform is provided "as is" and "as available", without warranty. We do not promise it will be uninterrupted, secure or error-free.
Tax and investment law changes often and is open to interpretation. Our content reflects our understanding on the date published and may become outdated. Nothing on the Platform is investment, tax or legal advice for your particular situation --- take independent professional advice before acting on it.
We are not liable for indirect or consequential loss, or for loss of profit, opportunity, investment return, goodwill or data. Our total liability for any claim will not exceed the fees you actually paid us for the specific Service that gave rise to it in the twelve months before the claim arose. We are specifically not liable for market losses, for tax demands or penalties raised on you, for the acts or omissions of third parties, or for loss caused by incorrect or incomplete information you gave us.
You will indemnify us against any claim, loss, penalty or legal cost arising from your breach of these Terms or the law, false or incomplete information from you, infringement of anyone's rights, or misuse of the Platform through your account --- except to the extent the loss was caused by our own breach, fraud, wilful misconduct or gross negligence.
Nothing in these Terms excludes or limits our liability for fraud, wilful misconduct, gross negligence, or anything that cannot lawfully be excluded under Indian law.
You may close your account by writing to info@adiint.com once any filing or transaction in progress is complete.
We may suspend or close your account for breach of these Terms, where the law or a regulator requires it, or after twelve months of inactivity. Except where the law requires immediate action, we will give you thirty days' notice, a chance to put things right, and a reasonable opportunity to download your documents.
Grievance cell
Email: legal@adi.international
Phone: +91 95377 72558
Availability: Monday to Saturday, 10:00 a.m. to 7:00 p.m. IST
We are not liable for failure or delay caused by anything beyond our reasonable control --- failure of internet, power or communications; downtime at a bank, AMC, registrar, exchange platform, payment gateway or government portal; cyber-attack or system failure; fire, flood, epidemic, strike, riot, act of God or war; or any act or restriction of a government or regulator. Our obligations are suspended while it continues.
These Terms are governed by Indian law. Raise a dispute with us in writing first and we will both try in good faith to resolve it. If it is unresolved thirty days later, it goes to arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996, appointed by agreement between us or, failing agreement, under that Act. The seat and venue is Ahmedabad, Gujarat, and proceedings are in English. Subject to this, the courts at Ahmedabad have exclusive jurisdiction.
Nothing here prevents you, as a consumer, from approaching a consumer commission under the Consumer Protection Act, 2019, or from using any statutory grievance mechanism
We may update these Terms by posting a revised version with a new "Last updated" date, and will tell you by email or through the Platform before a material change takes effect. Continued use means you accept it.
If we do not enforce a right, we do not waive it. If any clause is held invalid, the rest continues to apply. You cannot transfer your rights under these Terms; we may transfer ours to a group company or a successor on a merger, acquisition or restructuring, in which case your data moves with it under protections no weaker than these, and we will tell you.