Last Updated: August 2026
These Terms of Use (“Terms”) govern your access to and use of the website, mobile applications, digital platforms and services provided under the brand name “North Wealth” (“North Wealth”, “we”, “us” or “our”).
North Wealth is the Investment Advisory Division/brand of Invesmate Insights Private Limited (“Invesmate Insights” or the “Investment Adviser”), a SEBI-registered Non-Individual Investment Adviser bearing SEBI Registration No. INA000021544 and BSE Enlistment No. 2395. The Investment Adviser provides Investment Advisory services in accordance with applicable SEBI regulations, circulars, guidelines and other applicable laws.
The registered office of Invesmate Insights Private Limited is at 1st Floor, P.O, 5, near Railway Booking Office, Narendra Nagar, Belghoria, Kolkata, West Bengal – 700056, India, and its correspondence office is at 3rd Floor, Nanaksar Tower, 137/1, Dunlop, Barrackpore Trunk Rd, above Bandhan Bank P.S, Baranagar, Kolkata, West Bengal – 700108.
These Terms constitute an electronic record under the Information Technology Act, 2000 and applicable rules relating to electronic records and do not require any physical, electronic or digital signature.
1. Acceptance of Terms
Please read these Terms carefully before accessing or using North Wealth.
By accessing, browsing, registering on or using the North Wealth website, application or services, you acknowledge that you have read, understood and agreed to these Terms.
If you do not agree with any part of these Terms, you should discontinue using the North Wealth platform and services.
These Terms shall be read together with the applicable Investment Advisory Agreement, Most Important Terms and Conditions (MITC), Privacy Policy, disclosures and other applicable policies and documents.
2. Eligibility and Registration
To avail Investment Advisory services through North Wealth, you must be at least 18 years of age and legally competent to enter into a binding agreement under applicable Indian laws.
You may be required to complete the applicable onboarding process, including KYC, risk profiling, suitability assessment and execution of the Investment Advisory Agreement before receiving Investment Advisory services.
You agree that all information provided by you during registration, onboarding and throughout your relationship with North Wealth shall be accurate, complete and up to date. You shall promptly inform us of any material change in the information provided by you.
The Investment Adviser shall provide advice based on the client’s risk profile, financial circumstances, investment objectives and suitability requirements in accordance with applicable regulations.
3. Use of the Platform
You agree to use the North Wealth platform only for lawful purposes and in accordance with these Terms.
You shall not misuse, disrupt, damage or attempt to gain unauthorised access to the platform or its systems. You shall also not copy, reproduce, modify, distribute or commercially exploit any content, software or material available through North Wealth without prior written permission.
The use of bots, crawlers, scrapers or other automated methods to access or extract information from the platform without our prior written permission is prohibited.
North Wealth may suspend or restrict access to the platform where reasonably necessary for security, regulatory compliance, prevention of fraud or misuse, or protection of the platform and its users.
4. Investment Advisory Services
North Wealth provides Investment Advisory services through Invesmate Insights Private Limited as a SEBI-registered Investment Adviser.
Investment advice shall be provided after undertaking the applicable risk profiling and suitability assessment. The ultimate decision to invest or act upon any recommendation shall remain with the client.
North Wealth/Invesmate Insights does not accept, hold or receive client funds or securities for the purpose of making investments. Advisory fees are accepted only towards Investment Advisory services.
The Investment Adviser shall not execute or carry out transactions on behalf of a client without the client’s specific and explicit consent, wherever such execution is permitted under applicable regulations.
5. Investment Risks and Disclaimer
Investment in securities and financial products is subject to market risks.
North Wealth does not guarantee or assure any return, profit, capital protection or achievement of investment objectives. Past performance of any security, asset class, strategy or recommendation should not be considered an indication or guarantee of future performance.
SEBI registration, BSE enlistment or NISM certification does not guarantee the performance of the Investment Adviser or provide any assurance of returns to clients.
Information, articles, reports and other general content available on the North Wealth platform may be provided for educational or informational purposes and should not be considered personalised Investment Advisory unless expressly provided as part of an advisory engagement.
6. Fees and Payments
The applicable Investment Advisory fees, payment frequency, mode of payment and other commercial terms shall be communicated to and agreed with the client in accordance with the Investment Advisory Agreement and applicable regulatory requirements.
Fees shall be within the limits prescribed by SEBI/IAASB, wherever applicable, and applicable taxes and statutory charges shall be additional.
Advisory fees may be paid through permitted banking or payment channels, including online bank transfer, UPI, cheque and CeFCoM, wherever applicable. Cash payments shall not be accepted.
Any refund or cancellation of Investment Advisory services shall be governed by the applicable Investment Advisory Agreement and regulatory requirements.
7. Communications and Electronic Records
You consent to receiving service-related communications from North Wealth through permitted channels such as telephone, email, SMS, WhatsApp and other electronic means.
Where required under applicable regulations, communications and interactions relating to Investment Advisory services may be recorded and retained for the prescribed period.
You are responsible for maintaining the confidentiality of your account credentials and must immediately notify North Wealth of any unauthorised access or security breach.
North Wealth/Invesmate Insights will not ask for passwords, PINs or OTPs relating to your trading, demat, bank, mutual fund or other financial accounts.
8. Third-Party Services
North Wealth may contain links to or integrations with third-party websites, applications, payment gateways or other services.
Such third-party services are governed by their respective terms and policies. North Wealth does not control or guarantee the availability, accuracy, security or performance of such third-party services, and any interaction or transaction with a third party shall be between you and that third party.
9. Intellectual Property
All trademarks, logos, content, reports, designs, graphics, software, interfaces and other materials available through North Wealth are owned by or licensed to Invesmate Insights Private Limited/North Wealth or their respective licensors.
Except for permitted personal use, no material available through the platform may be copied, reproduced, modified, distributed, published or commercially exploited without prior written permission.
10. Privacy and Confidentiality
North Wealth may collect and process information required for providing services, completing KYC and onboarding, undertaking risk profiling and suitability assessment, maintaining records, complying with regulatory requirements and performing other legitimate business or legal functions.
Your information shall be handled in accordance with our Privacy Policy and applicable data protection laws.
Confidential information received by you in connection with North Wealth shall not be disclosed, reproduced or used for any purpose other than receiving the authorised services, except where disclosure is required by law or by a regulatory authority.
Privacy Policy: privacy-policy
11. Limitation of Liability
To the maximum extent permitted under applicable law, North Wealth/Invesmate Insights shall not be responsible for indirect, incidental, consequential or special losses arising from your use of or inability to use the platform, technical interruptions, third-party services or investment decisions independently taken by you.
Nothing in these Terms shall exclude or limit any liability that cannot legally be excluded or limited under applicable law.
You agree to indemnify North Wealth/Invesmate Insights and its directors, officers, employees and representatives against claims or losses arising from your misuse of the platform, violation of these Terms, violation of applicable laws or infringement of third-party rights.
12. Grievance Redressal
North Wealth/Invesmate Insights has a grievance redressal mechanism for addressing client complaints and concerns.
For details regarding the Grievance Redressal Mechanism, please refer to the dedicated Grievance Redressal section available on the website.
SEBI SCORES: https://scores.sebi.gov.in/
SMART ODR: https://smartodr.in/login
The applicable grievance redressal process and timelines shall be governed by the regulatory framework applicable to Investment Advisers.
13. Most Important Terms and Conditions
The Most Important Terms and Conditions (MITC) applicable to Investment Advisory services form an integral part of the advisory relationship between Invesmate Insights Private Limited and its clients.
The MITC covers important matters including advisory fees, no guarantee of returns, execution of transactions, advance fees and refunds, client financial information, risk profiling, suitability, conflicts of interest and other important client obligations.
Clients are advised to read the MITC together with the Investment Advisory Agreement before availing Investment Advisory services.
14. Modification of Terms
North Wealth reserves the right to modify or update these Terms from time to time to reflect changes in its services, business practices, technology or applicable laws and regulations.
The updated Terms shall be made available on the North Wealth platform. Your continued use of the platform after the updated Terms become effective shall constitute acceptance of the revised Terms, to the extent permitted by applicable law.
15. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of India.
Subject to applicable SEBI grievance redressal and dispute resolution mechanisms, disputes arising in connection with these Terms shall be subject to the jurisdiction of the competent courts in India.
16. Miscellaneous
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue to remain in full force and effect.
No failure or delay by North Wealth/Invesmate Insights in exercising any right under these Terms shall constitute a waiver of that right.
These Terms, together with the Investment Advisory Agreement, MITC, Privacy Policy and applicable disclosures, constitute the terms governing your use of the North Wealth platform and services.
17. Contact Information
Invesmate Insights Private Limited
Brand: North Wealth
SEBI Registration No.: INA000021544
BSE Enlistment No.: 2395
Registered Office: 1st Floor, P.O, 5, near Railway Booking Office, Narendra Nagar, Belghoria, Kolkata, West Bengal – 700056, India
Correspondence Office: 3rd Floor, Nanaksar Tower, 137/1, Dunlop, Barrackpore Trunk Rd, above Bandhan Bank P.S, Baranagar, Kolkata, West Bengal – 700108
Advisory Email: advisory@northwealth.in
Principal Officer: Mr. Subham Chakraborty
Compliance Officer: Mr. Santanu Saha