Terms of Service

Last Updated: October 6, 2026

1. Informational Directory

DematRefer.in is an independent aggregator and comparison platform for financial app referral programs, Demat brokers, UPI services, and gift card platforms. We do not provide investment advice, brokerage services, portfolio management, or financial planning.

2. Third-Party Reward Disclaimers

All referral bonuses, cashback rewards, gift vouchers, and brokerage sharing percentages are determined and distributed solely by respective third-party providers (e.g., Kotak Securities, Zerodha, Upstox, Angel One, 5paisa, Mirae Asset, Paytm, PhonePe, Crafin). DematRefer does not guarantee reward eligibility, crediting timelines, or payout fulfillment.

3. Accuracy of Information

While we make reasonable efforts to regularly audit and verify program terms against official provider announcements, terms may change without prior notice. Users must review the provider's official terms before onboarding.

4. Limitation of Liability

Under no circumstances shall DematRefer.in or its contributors be held liable for any loss, claim, damage, or discrepancy arising from third-party promotional programs, market trading, or account opening delays.