ALLIANZO
Terms and Conditions
Effective Date: October 2026 | Last Updated: October 2026
www.allianzo.in | support@allianzo.in
IMPORTANT: These Terms and Conditions constitute a legally binding agreement between you and Allianzo. By downloading, installing, or using the Allianzo app, you agree to be bound by these terms. If you do not agree, please do not use the Platform. Allianzo is NOT a SEBI-registered investment advisor. Nothing on this platform constitutes financial advice.
1. Introduction and Acceptance of Terms
Welcome to Allianzo ("Platform," "we," "our," or "us"). Allianzo is a social community platform designed exclusively for finance and business discussions, operated by ALLIANZO (OPC) PRIVATE LIMITED (CIN: U63120TZ2026OPC040217), a company incorporated under the Companies Act, 2013, with its registered office at 2, T.S. Puram Court Street, Valipalayam, Tiruppur, Coimbatore, Tamil Nadu, India – 641601. The Platform allows users to post content, follow other users, create groups, send direct messages and group messages, maintain a personal stock watchlist, and record and analyse their own trades using a trade journal.
These Terms and Conditions ("Terms") govern your access to and use of the Allianzo mobile application and website located at www.allianzo.in. By creating an account or using any part of the Platform, you confirm that you have read, understood, and agreed to these Terms in full.
These Terms are governed by the laws of India, including the Information Technology Act, 2000, the Consumer Protection Act, 2019, and applicable rules and regulations thereunder.
2. Eligibility
To use Allianzo, you must meet all of the following requirements:
· You must be at least 18 years of age
· You must be a resident of India or otherwise able to legally access the Platform
· You must not have been previously banned or suspended from Allianzo
· You must have the legal capacity to enter into a binding agreement
By using the Platform, you represent and warrant that you meet all of the above eligibility requirements. If you do not meet these requirements, you must not use Allianzo. We reserve the right to terminate accounts found to be in violation of these eligibility criteria.
3. User Accounts
3.1 Account Registration
To access the full features of Allianzo, you must register for an account by providing accurate and complete information including your name, email address, and/or mobile number. You agree to keep this information updated at all times.
3.2 Account Security
You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:
· Use a strong, unique password for your Allianzo account
· Not share your login credentials with any other person
· Notify us immediately at support@allianzo.in if you suspect unauthorised access
· Not create more than one personal account
3.3 Account Termination
We reserve the right to suspend or permanently terminate your account at our sole discretion if you violate these Terms, our Community Guidelines, or applicable law, with or without prior notice.
4. User Content and Conduct
4.1 Your Content
You retain ownership of the content you post on Allianzo ("User Content"). However, by posting content on the Platform, you grant Allianzo a non-exclusive, royalty-free, worldwide licence to display, distribute, and promote your content within the Platform and for marketing purposes.
Information you enter in your trade journal is not User Content for the purposes of this licence. It is not displayed to other users or used for marketing, as further described in our Privacy Policy.
4.2 Content You Must NOT Post
You agree that you will NOT post, share, or distribute any content that:
· Constitutes or promotes unregistered investment advice, stock tips, or buy/sell recommendations presented as guaranteed returns
· Is designed to artificially inflate or deflate the price of any security (pump-and-dump schemes)
· Contains false, misleading, or unverified claims about any listed company or its management
· Impersonates a SEBI-registered advisor, fund manager, analyst, or any public figure
· Is defamatory, obscene, abusive, threatening, or harassing to any individual or group
· Violates the intellectual property rights of any third party
· Contains spam, unsolicited promotional content, or repetitive mass messaging
· Promotes illegal activities including insider trading or market manipulation
· Contains malware, viruses, or any harmful code
· Is directed at or exploits minors in any way
· Pornographic, Sexually explicit, or adult content of any kind
· Nudity or sexually suggestive content whether real or illustrated.
· Presents fabricated, edited, or misleading trade journal figures, screenshots, or reports in order to misrepresent trading performance or returns
4.3 Content Moderation
Allianzo reserves the right to remove, edit, or restrict any User Content that violates these Terms or our Community Guidelines, at any time and without prior notice. We are not obligated to monitor all content but will act on reported violations. Users are encouraged to report any content that violates these Terms using the in-app reporting feature. Allianzo will review reported content and take appropriate action within 48 hours.
5. Financial Content Disclaimer
Allianzo is a social community and discussion platform. It is NOT a SEBI-registered investment advisor, broker, portfolio manager, or research analyst.
· All content posted on Allianzo by users, including posts, comments, group discussions, and direct and group messages, represents the personal opinions of individual users only
· Nothing on this Platform constitutes professional investment advice, a solicitation to buy or sell securities, or a guarantee of returns
· All stock market data displayed on the Platform is sourced from BSE and is delayed by a minimum of 15 minutes. This data must not be used for real-time trading decisions
· Past performance of any stock or security discussed on this Platform is not indicative of future performance
· Allianzo does not verify the credentials, qualifications, or SEBI registration status of any user posting content on the Platform
· Trade journal metrics and reports are generated solely from information entered by the user, are for personal record-keeping and self-review, and do not constitute investment advice or a recommendation of any kind
· Allianzo does not verify trades or performance figures entered by users. Any performance figures, screenshots, or reports shared by users on the Platform are unverified and should not be relied upon
You agree that any investment decisions you make based on content viewed on Allianzo are entirely your own responsibility. Allianzo, its founders, employees, and partners shall not be held liable for any financial loss arising from reliance on content posted on the Platform. We strongly recommend consulting a SEBI-registered investment advisor before making any investment decisions.
7. Trade Journal
The trade journal is a personal record-keeping and self-analysis tool that allows you to log your trades, view analytical metrics, and download reports. By using it, you acknowledge and agree to the following:
· The trade journal is a personal tool only. You cannot execute trades or place orders through Allianzo, and Allianzo does not access your brokerage, demat, or bank accounts
· All entries are made by you. Metrics and reports are calculated solely from the information you enter, so their accuracy and completeness depend entirely on your inputs
· Allianzo does not verify your entries against any broker, exchange, or contract note, and does not guarantee that any metric or report is error-free
· Metrics and reports are not certified financial, accounting, or tax records. They are not a substitute for contract notes, broker statements, or profit and loss statements, and must not be relied on for tax filing, audits, or legal or regulatory purposes. Please consult a qualified professional for such needs
· Metrics such as win rate or average returns are statistical summaries of your past trades. They do not predict future results and are not advice or a recommendation to buy, sell, or hold any security
· Your trade journal entries and reports are private to your account, as described in our Privacy Policy
· You may download reports for your personal use. You must not present them as audited or verified performance, or use them to solicit investment, advisory, or portfolio management services in violation of SEBI regulations
· We make reasonable efforts to keep your data safe, but we recommend keeping your own records of your trades. Once a report is downloaded, you are responsible for its safekeeping and for any sharing of it
8. Direct Messaging and Groups
Allianzo provides a Direct Messaging (DM) feature for private communication between users, and allows users to create and join groups to communicate with multiple users. By using these features, you acknowledge and agree to the following:
· Direct messages and group messages on Allianzo are NOT end-to-end encrypted. A notice to this effect is displayed within the app
· Messages are transmitted securely via HTTPS and stored encrypted on our servers
· Allianzo may access message content (including group messages) where necessary for safety investigations, legal compliance, or to respond to lawful government requests
· You must not use DMs or groups to send spam, unsolicited promotional content, or to harass other users
· You must not use DMs or groups to share or solicit insider information about listed companies
· You must not use DMs or groups to sell, solicit, or promote paid stock tips, trading calls, signals, or advisory or portfolio management services without valid SEBI registration
· Messages sent in a group can be seen by all of its members, who may copy, forward, or take screenshots of them. Allianzo cannot control what other users do with content you share
· If you create a group, you are responsible for ensuring it is not used for any activity prohibited under these Terms. Allianzo may remove or restrict any group, or any of its members, that violates these Terms
9. Intellectual Property
All rights in and to the Allianzo Platform, including its name, logo, design, software, features, and original content created by Allianzo, are owned by or licensed to us and are protected under Indian intellectual property laws.
You agree that you will NOT:
· Copy, reproduce, or distribute any part of the Platform without our written permission
· Use the Allianzo name, logo, or branding without prior written consent
· Reverse engineer, decompile, or attempt to extract the source code of our application
· Create derivative works based on the Platform or its content
10. Prohibited Activities
In addition to content restrictions in Section 4, you agree that you will NOT:
· Use the Platform for any illegal purpose under Indian law
· Attempt to gain unauthorised access to any part of the Platform or other users' accounts
· Use automated bots, scrapers, or scripts to access or collect data from the Platform
· Deliberately disrupt or interfere with the Platform's servers or networks
· Create fake accounts or misrepresent your identity or credentials
· Engage in any activity that could damage the reputation of Allianzo or its users
· Violate SEBI regulations, the Prevention of Money Laundering Act, or any other applicable financial law
11. Privacy
Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using Allianzo, you also agree to our Privacy Policy. Please read it carefully at www.allianzo.in/privacy-policy.
12. Third-Party Links and Content
The Platform may contain links to third-party websites, articles, or resources. These links are provided for convenience only. Allianzo does not endorse, control, or take responsibility for the content, accuracy, or practices of any third-party websites. Accessing third-party links is entirely at your own risk.
13. Advertising
Allianzo is a free platform supported by advertising revenue. By using the Platform, you acknowledge and agree that:
· Third-party advertisements may appear within the app
· Allianzo does not endorse any product, service, or brand advertised on the Platform
· Allianzo is not responsible for the content, accuracy, or claims made in third-party advertisements
· You interact with any advertisement entirely at your own risk
· Allianzo does not control which specific ads are shown to you — this is managed by our ad network partners
We take particular care to ensure that advertisements shown on Allianzo comply with applicable Indian laws. However, users are advised to exercise independent judgment before acting on any advertised product or service, especially financial products.
14. Limitation of Liability
To the fullest extent permitted by applicable Indian law, Allianzo, its founders, directors, employees, and partners shall NOT be liable for:
· Any financial loss, investment loss, or trading loss arising from content viewed on the Platform
· Any loss arising from reliance on delayed stock market data displayed on the Platform
· Any loss arising from reliance on trade journal metrics or reports, or from errors or omissions in the information you enter
· Any indirect, incidental, special, or consequential damages arising from your use of the Platform
· Any loss of data, unauthorised access, or security breach despite our reasonable security measures
· Any damages arising from temporary unavailability or interruption of the Platform
In no event shall our total liability to you for any claim arising from these Terms or your use of the Platform exceed the amount you have paid us (if any) in the three months preceding the claim.
15. Indemnification
You agree to defend, indemnify, and hold harmless Allianzo and its founders, employees, and partners from and against any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of or related to:
· Your use of the Platform
· Your User Content
· Your violation of these Terms
· Your violation of any applicable law or third-party rights
16. Suspension and Termination
We reserve the right to suspend or terminate your access to Allianzo at any time, with or without cause or notice, for any of the following reasons:
· Violation of these Terms or our Community Guidelines
· Engagement in fraudulent, abusive, or illegal activity
· Posting content that violates SEBI regulations or market integrity rules
· Creating harm to other users or to the Platform
Upon termination, your right to use the Platform will immediately cease. You may also delete your account at any time from within the app settings. Upon deletion, your data will be handled as described in our Privacy Policy.
17. Changes to These Terms
We may update or modify these Terms from time to time to reflect changes in our services, technology, or applicable law. When we make material changes, we will:
· Notify you through a prominent in-app notice
· Update the "Last Updated" date at the top of this document
· Where required by law, seek your consent before applying the changes
Your continued use of Allianzo after the effective date of any updated Terms constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Platform and delete your account.
18. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of India. Any dispute arising out of or relating to these Terms or your use of the Platform shall first be attempted to be resolved through good-faith negotiation.
If a dispute cannot be resolved through negotiation within 30 days, it shall be subject to the exclusive jurisdiction of the competent courts located in Tiruppur, India.
19. General Provisions
· Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force
· No Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce it in the future
· Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Allianzo
· Assignment: You may not assign your rights under these Terms without our prior written consent
20. Contact Us
If you have any questions or concerns about these Terms, please contact us:
General Support: support@allianzo.in
Grievance Officer: Nihal | grievance@allianzo.in
Website: www.allianzo.in
Registered Address: ALLIANZO (OPC) PRIVATE LIMITED, Tiruppur, Coimbatore, Tamil Nadu, India
CIN: U63120TZ2026OPC040217
Our Grievance Officer will acknowledge your complaint within 24 hours and resolve it within 15 days as required under the IT Rules 2021.