Terms of Use

Please read these Terms of Use/Terms and Conditions carefully before using www.toruswealth.in (the “website” or the “Site”), owned by the Torus Wealth Pvt. Ltd. (the “TWL” or “Company”). This agreement sets forth the legally binding terms and conditions for visitors, users or customers (collectively called “you” or “Users”) of the Site. In terms of the Indian Information Technology Act, 2000 (as amended from time to time), this document is an electronic record. By using the service/services in any manner, including, but not limited to, visiting or browsing the site or contributing content, information, or other materials or services to the Site, you have confirmed that you have read, understood and bound yourself by these Terms of Use. The acceptance of Terms of Use will be between you and TWL which is facilitating provision of the services, other than those which are otherwise specifically provided by each of the TWL Group Entities (as defined under our Privacy Policy) on their respective web pages / sites to you. All of the TWL Group Entities have their own separate legal identities and webpages (details about which are embedded in their respective web pages/sites) but in this website they may sometimes use “Group”, “we” or “us” when we refer to TWL Group Entities in general or where no useful purpose is served by identifying any particular TWL affiliate. These Terms of Use shall apply to the access and use of the website and all associated web pages/ sites which are linked with www.toruswealth.inYou will be subject to the rules, guidelines, policies, terms, and conditions applicable to any facilities that are provided by this Site and all associated web pages/ sites and they shall be deemed to be incorporated into these Terms of Use and shall be considered as part and parcel of these Terms of Use. It is clarified that all references to one particular gender, in the context of the User, shall be deemed to include references to Users of the opposite gender as well as Users who are legal or non-natural entities. All capitalized terms shall have the meaning given to them under the Privacy Policy, unless specifically stated here in these Terms of Use.

Summary of services and or products

Torus Wealth Pvt. Ltd. is a group company of Cosmea Financial Holdings Private Limited and is one of the India’s leading financial services sector company engaged in the distribution business and in the business related to capital market/ financial markets and includes broking and distribution, loans through Non Banking Financial Companies, Asset Management Companies, Trustee Companies, life and general insurance, health, education, wealth, wellness products amongst others. 

User Content submissions

Through the Site, email, websites, and other media, the Company makes accessible various content, including, but not limited to, videos, photographs, images, graphics, audio clips, comments, data, text, software, scripts, projects, other material and information, and associated trademarks and copyrightable works (collectively, “Content”). Users may have the ability to contribute, add, create, upload, submit, distribute, facilitate the distribution of, collect, post, or otherwise make accessible Content.

Acceptance of Terms

  • by surfing and viewing the Content of the Site;
  • creating an account on the Site;
  • signing up on the Site; and /or
  • making use of the feature of the Site or the Services available therein,
  • You are eligible to contract with us;
  • You have read the Terms of Use; and
  • You agree to be bound by the Terms of Use.

Modification of Terms of Use


  • is the name of another person, with the intent to impersonate that person; or
  • is subject to any rights of another person, without appropriate authorization; or
  • is offensive, vulgar, or obscene; or
  • is in violation of any applicable law or contractual obligation.

You may

Rights of TWL

  • make changes in its services or products, at its sole discretion, at any time, without notice or liability;
  • decide who’s eligible to use the services and or products offered;
  • cancel accounts or decline to offer our services and or products;
  • change our eligibility criteria at any time; and
  • reject, cancel, interrupt, remove, or suspend any project at any time and for any reason.

Third-Party Sites

Representations and warranties

  • all information provided by them during the online or offline registration is true and accurate; and
  • they are capable (in case of an individual, being above 18 years of age) and duly authorized (in case of a legal entity, by way of appropriate corporate approvals) to enter into the agreement or arrangement, on behalf of himself, any other person, company, or other entity.

General terms and conditions

  • As a condition of use, you promise not to use the Site for any purpose that is prohibited by the Terms of Use or law. The Site and its’ services are provided only for your own personal, non-commercial use (except as allowed by in this Terms of Use). You are responsible for all of your activity in connection with the Site and its services. You shall not, and shall not permit any third party using your account to, take any action, or submit content, that:
  1. Infringes any patent, trademark, trade secret, copyright, right of publicity, or other right of any other person or entity, or violates any law or contract;
  2. You know is false, misleading, or inaccurate;
  3. Is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, tortious, obscene, offensive, profane, or invasive of another’s privacy;
  4. Constitutes unsolicited or unauthorized advertising or promotional material or any junk mail, spam, or chain letters;
  5. Copy (whether by printing off onto paper, storing on disk, downloading or in any other way), distribute (including distributing copies), download, display, perform, reproduce, distribute, modify, edit, alter, enhance, broadcast or tamper with in any way or otherwise use any material contained in the web site except as set out under “You may”. These restrictions apply in relation to all or part of the material on the website;
  6. Copy and distribute this information on any other server, or modify or re-use text or graphics on this system or another system. No reproduction of any part of the website may be sold or distributed for commercial gain nor shall it be modified or incorporated in any other work, publication or web site, whether in hard copy or electronic format, including postings to any other website;
  7. Remove any copyright, trade mark or other intellectual property notices contained in the original material from any material copied or printed off from the website; link to this web site; without our express written consent;
  8. Contains software viruses or any other computer codes, files, or programs that are designed or intended to disrupt, damage, limit, or interfere with the proper function of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any system, data, password, or other information of TWL or any third party; or
  9. Impersonates any person or entity, including any employee or representative of the TWL.
  10. Additionally, you shall not:
  1. take any action that imposes or may impose (as determined by TWL in its sole discretion) an unreasonable or disproportionately large load on the TWL’s or its third-party providers’ infrastructure;
  2. interfere or attempt to interfere with the proper working of the service or any activities conducted on the service;
  3. bypass any measures the TWL may use to prevent or restrict access to the services (or other accounts, computer systems, or networks connected to the service);
  4. run Maillist, Listserv, or any form of auto-responder or “spam” in relation to the services or the products of TWL Group Entities; or
  5. use manual or automated software, devices, or other processes to “crawl” or “spider” any page of the Site.

11. not make any negative, denigrating or defamatory statement(s) or comment(s) about TWL or the brand name or domain name used by TWL, or otherwise engage in any conduct or action that might tarnish the image or reputation, of TWL on any platform or otherwise tarnish or dilute any of TWL’s trade or service marks, trade name and/or goodwill associated with such trade or service marks, trade name as may be owned or used by us. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Site or TWL’s systems or networks, or any systems or networks connected to TWL.

  • You shall not directly or indirectly:
  1. decipher, decompile, disassemble, reverse engineer, or otherwise attempt to derive any source code or underlying ideas or algorithms of any part of the service and or website, except to the limited extent applicable laws specifically prohibit such restriction;
  2. modify, translate, or otherwise create derivative works of any part of the services or products or contents; or
  3. copy, rent, lease, distribute, or otherwise transfer any of the rights that you receive hereunder. You shall abide by all applicable local, state, national, and international laws and regulations. TWL has no obligation to monitor the Content. TWL reserves the right to, at any time, for any reason, and without notice:
  1. cancel, reject, interrupt, remove, or suspend a project;
  2. remove, edit, or modify any Content, including, but not limited to, any User submission; and
  3. remove or block any User or User submission. TWL reserves the right not to comment on the reasons for any of these actions.

Warranty Disclaimer

Intellectual Property Rights

Content and License



Limitation of liability

  • or any lost profits, data loss, cost of procurement of substitute goods or services, or special, indirect, incidental, punitive, or consequential damages of any kind whatsoever, substitute goods or services (however arising); and
  • for any bugs, viruses, trojan horses, or the like (regardless of the source of origination).

Consent, electronic communications and use of cookies

  • You hereby give consent under these Terms of Use, for availing information/services related to TWL Group Entities; You agree and authorise the TWL to collect, store, process, share, transfer/transmit your Information with its TWL Group Entities and other associated business partners and third parties, in so far as required for offering of facilities through this website and for analytical / marketing purposes /report generations and/or to offer connected facilities on the website and may also include transfer/sharing/transmitting of sensitive personal data or information only if it is deemed necessary for the performance of facilities and to provide you with various value added and ancillary facilities/services and information, to aid you in managing your money needs in the manner agreed under these Terms of Use and the Privacy Policy. You agree to receive e-mails/sms/phone calls and such other mode as permitted under law from the TWL Group Entities or its associated business partners and third parties regarding the facilities updates, information/promotional offer and/or new product announcements and such other related information.
  • You also agree and authorize TWL Group Entities to contact you at the contact information provided for service related communication relating to your product or facilities offered even if your number is in National Do Not Call Registry.
  • You have the option to withdraw or opt out the said consent in the manner specified under the Privacy Policy and details as provided on the website. The Privacy Policy may be updated from time to time. Changes will be effective upon posting of the revised Privacy Policy on the website.
  • These Terms of Use and any notices or other communications regarding the facilities, services or products may be provided to you electronically, and you agree to receive communications from the Site in electronic form. Electronic communications may be posted on the Site and/or delivered to your registered email address, mobile phones etc. either by TWL Group Entities with whom the services are availed. All communications in electronic format will be considered to be in “writing”. Your consent to receive communications electronically is valid until you revoke your consent by notifying of your decision to do so. If you revoke your consent to receive communications electronically, the TWL Group Entities shall have the right to terminate such facilities or services.
  • We use data collection devices such as “Cookies” on certain pages of the Site to help analyze our web page flow, measure promotional effectiveness, and promote trust and safety. “Cookies” are small files placed on your hard drive that assist us in providing our services. We offer certain features that are only available through the use of a “Cookie”. We also use Cookies to allow you to enter your password less frequently during a session. Cookies can also help us provide information that is targeted to your interests.

Dispute Resolution and Governing Law

Integration, Severability and Waiver