Disclaimer and Terms of Use

By accessing, browsing, or using the website www.where2invest.com (the "Website") or any mobile application, platform, or service provided by Where2invest Limited (the "Company"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and Disclaimer. Your access to and use of this Website constitutes your acceptance of these terms and conditions. If you do not agree with any part of these terms, you must not use this Website or any of our services. The Company reserves the right to modify, update, or change these terms at any time without prior notice, and such modifications will be effective immediately upon posting on the Website.

These terms and conditions form a legally binding agreement between you and Where2invest Limited, a company incorporated under the Companies Act, 2013, having its registered office at [Insert Complete Registered Office Address]. The Company is currently registered with the Association of Mutual Funds in India (AMFI) as a mutual fund distributor under ARN Code [Insert AMFI ARN Code] and is authorized to distribute mutual fund products in India. The Company is in the process of applying for registration with the Securities and Exchange Board of India (SEBI) as an Investment Adviser under the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013.

Where2invest Limited is an AMFI-registered mutual fund distributor providing mutual fund distribution services to clients in India. The Company facilitates the purchase, redemption, and switch of mutual fund units on behalf of clients through authorized fund houses and registrars. Currently, the Company's services are limited to mutual fund distribution only, and we do not provide investment advisory services, portfolio management services, or any other financial services unless specifically mentioned and authorized by relevant regulatory authorities.

Mutual fund investments are subject to market risks, and there is no assurance or guarantee of returns. The value of mutual fund units can go up or down based on market conditions, and investors may not get back the amount originally invested. Past performance of mutual funds is not indicative of future results, and investment decisions should be made based on individual financial circumstances, risk tolerance, and investment objectives. Investors are advised to read all scheme-related documents carefully before investing and consult with qualified financial advisors if needed.

The Company acts as a distributor and intermediary between investors and mutual fund houses. We do not manage or control the investment strategies, portfolio composition, or performance of mutual funds. The investment decisions regarding mutual fund schemes are made by the respective fund managers and asset management companies. The Company's role is limited to facilitating transactions and providing necessary support services to investors for mutual fund investments.

The information, content, materials, and services provided on this Website are for general informational and educational purposes only. They should not be construed as personalized investment advice, recommendations, or solicitations to buy or sell any specific mutual fund schemes or other financial instruments. The content on this Website is not intended to serve as the sole basis for investment decisions, and users should not rely exclusively on the information provided herein for making financial decisions. disclaimer is subject to change at the sole discretion of Where2Invest without prior notice.

While the Company strives to provide accurate and up-to-date information about mutual funds, schemes, and market conditions, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the Website. Any reliance you place on such information is strictly at your own risk. The Company disclaims all warranties, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Market conditions, mutual fund performance, and regulatory environments are subject to rapid change, and information that was accurate at the time of publication may become outdated or irrelevant. The Company does not undertake any obligation to update or revise the information on the Website, although we may do so from time to time at our discretion. Users are advised to verify all information independently, refer to the latest scheme information documents, and consult with qualified professionals before making any investment decisions.

Investing in mutual funds involves substantial risk and may not be suitable for all investors. Mutual funds do not guarantee returns, and there is no assurance of the capital protection. Various factors can affect the performance of mutual funds, including but not limited to market volatility, economic conditions, political events, regulatory changes, currency fluctuations, interest rate movements, sector-specific factors, and fund manager decisions. These risks can result in significant losses, and investors may lose some or all of their invested capital.

Different types of mutual funds carry different levels of risk. Equity mutual funds are subject to market risk, volatility risk, and company-specific risk. Debt mutual funds are subject to credit risk, interest rate risk, and liquidity risk. Hybrid mutual funds are subject to both equity and debt-related risks. International mutual funds are subject to currency risk, country risk, and regulatory risk. Sector-specific and thematic mutual funds carry higher concentration risk. Investors should carefully assess their risk tolerance and investment horizon before selecting mutual fund schemes.

The Company provides general information about mutual funds and does not provide personalized investment advice unless specifically engaged for advisory services under appropriate regulatory authorization. Information about mutual fund schemes, their features, and historical performance should not be considered as recommendations for investment. Investors should evaluate their own financial circumstances, investment objectives, risk tolerance, and consult the scheme information documents before making investment decisions.

Where2invest Limited is registered with the Association of Mutual Funds in India (AMFI) as a mutual fund distributor under ARN Code 328841. The Company operates in compliance with the Association of Mutual Funds in India (AMFI) guidelines, Securities and Exchange Board of India (Mutual Funds) Regulations, 1996, and other applicable laws and regulations governing mutual fund distribution in India.

As an AMFI-registered distributor, the Company adheres to the code of conduct prescribed for mutual fund distributors and maintains the required qualifications, certifications, and compliance standards. The Company is committed to acting in the best interests of investors and maintaining transparency in all mutual fund transactions. The Company is subject to regulatory oversight and periodic compliance requirements as mandated by AMFI and SEBI.

The Company is currently in the process of applying for registration with the Securities and Exchange Board of India (SEBI) as an Investment Adviser under the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013. Upon successful registration, the Company intends to expand its services to include investment advisory services in addition to mutual fund distribution. Until such registration is obtained and approved, the Company will continue to operate solely as a mutual fund distributor.

The Company receives distribution commission and fees from mutual fund houses for facilitating mutual fund transactions. This compensation is built into the expense ratio of mutual fund schemes and does not involve any additional charges to investors beyond the applicable mutual fund expenses. The commission structure is determined by the respective mutual fund houses and may vary across different schemes and fund houses.

The Company may also receive trail commission based on the assets under management (AUM) of investors. This ongoing commission is intended to compensate the distributor for providing continuous services to investors, including transaction support, account maintenance, and customer service. The trail commission is also factored into the mutual fund scheme's expense ratio and does not result in additional charges to investors.

Investors should be aware that the Company's compensation structure may influence the recommendation or prominence given to certain mutual fund schemes. However, the Company is committed to providing objective information and ensuring that investor interests are prioritized. Investors are encouraged to evaluate mutual fund schemes based on their own criteria, including performance, risk profile, expense ratios, and suitability to their investment objectives.

The Company, its directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, resulting from your use of the Website or services, even if the Company has been advised of the possibility of such damages. This limitation of liability applies to all claims, whether based on contract, tort, negligence, strict liability, or any other legal theory.

The Company shall not be responsible for any losses, damages, or expenses arising from mutual fund investment decisions made by investors. Investors acknowledge that mutual fund investments are made at their own risk and that the Company cannot be held liable for any financial losses incurred from mutual fund investments. The Company's liability, if any, shall be limited to the distribution fees or commission received by the Company for the specific transaction that gave rise to the claim.

The Company shall not be liable for any damages or losses arising from the performance of mutual fund schemes, decisions made by fund managers, or actions taken by asset management companies. We are not responsible for the investment policies, portfolio management decisions, or fund performance of mutual fund schemes. The Company shall not be liable for any technical issues, system failures, or disruptions to the Website or services, including but not limited to server downtime, network connectivity issues, or software malfunctions that may affect transaction processing.

All content, materials, information, logos, trademarks, service marks, trade names, and other intellectual property displayed on the Website are the property of Where2invest Limited or its licensors and are protected by copyright, trademark, and other intellectual property laws. Users are granted a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes only.

Users may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on the Website without the prior written consent of the Company. Any unauthorized use of the content or materials on the Website may violate copyright, trademark, and other applicable laws and could result in criminal or civil penalties.

The Company respects the intellectual property rights of others and expects users to do the same. If you believe that your intellectual property rights have been infringed upon by content on the Website, please contact us immediately with details of the alleged infringement. The Company will investigate such claims and take appropriate action in accordance with applicable laws and regulations.

Users of the Website are expected to comply with all applicable laws, regulations, and these Terms of Use. Users are responsible for ensuring that their use of the Website and services is lawful and does not violate any third-party rights. Users must provide accurate, complete, and current information when registering for services, opening mutual fund accounts, or conducting transactions through the Company.

Users are prohibited from using the Website for any unlawful or prohibited purpose, including but not limited to: violating any applicable laws or regulations; infringing upon the rights of others; transmitting or distributing harmful, threatening, abusive, or defamatory content; attempting to gain unauthorized access to the Website or its systems; interfering with the operation of the Website or services; or engaging in any activity that could damage, disable, or impair the Website or services.

Users must not use the Website to engage in any fraudulent, deceptive, or misleading activities related to mutual fund investments. Users are prohibited from creating multiple accounts for the purpose of circumventing investment limits or obtaining unauthorized benefits. Users must not use automated systems or software to access the Website without prior authorization from the Company. Any violation of these terms may result in immediate termination of access to the Website and services.

The Company is committed to protecting the privacy and confidentiality of user information. The collection, use, and disclosure of personal information are governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. Users are advised to review the Privacy Policy to understand how their personal information is collected, used, and protected in accordance with applicable data protection laws.

By using the Website and services, users consent to the collection, use, and disclosure of their personal information as described in the Privacy Policy and as required for mutual fund transactions and compliance with Know Your Customer (KYC) requirements. The Company implements appropriate security measures to protect user information from unauthorized access, alteration, disclosure, or destruction.

Users are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account. Users must notify the Company immediately of any unauthorized use of their account or any other breach of security. The Company will not be liable for any loss or damage arising from unauthorized use of user accounts, but will take reasonable steps to secure accounts upon notification of unauthorized access.

The Company facilitates mutual fund transactions through authorized mutual fund houses, registrars, and other service providers. These third-party entities are independent organizations that are not owned or controlled by the Company. The Company has no control over the investment policies, management decisions, or performance of mutual fund schemes offered by these entities.

Users acknowledge that their mutual fund investments are directly with the respective mutual fund houses and that the Company acts as an intermediary for transaction processing. The Company is not responsible for any disputes, issues, or claims arising from the performance of mutual fund schemes or the actions of fund houses. Users should refer to the scheme information documents and contact the respective fund houses directly for scheme-specific queries or grievances.

The Company may engage third-party service providers for technology, payment processing, or other operational support. While the Company takes reasonable steps to ensure that such third parties maintain appropriate standards, the Company cannot guarantee the performance or reliability of third-party services. Users acknowledge that the use of third-party services is subject to the terms and conditions of those service providers.

All mutual fund transactions facilitated through the Company are subject to the terms and conditions of the respective mutual fund schemes and the policies of the concerned fund houses. Transaction processing times, settlement procedures, and cut-off times are determined by the fund houses and registrars, and the Company cannot guarantee specific processing times or settlement dates.

The Company will make reasonable efforts to process transaction requests promptly, but shall not be liable for any delays caused by technical issues, system maintenance, market holidays, or other factors beyond the Company's control. Users are advised to plan their transactions considering the applicable cut-off times and settlement procedures of mutual fund schemes.

Transaction confirmations, account statements, and other documents related to mutual fund investments will be provided by the respective fund houses or registrars. The Company may provide transaction summaries or status updates for convenience, but users should refer to official documents from fund houses for authoritative information about their investments.

The Company reserves the right to terminate or suspend user access to the Website and services at any time, with or without cause, and with or without notice. Termination may occur for various reasons, including but not limited to violation of these Terms of Use, fraudulent activities, non-compliance with KYC requirements, or regulatory requirements.

Upon termination, users must immediately cease all use of the Website and services. The Company may, at its discretion, delete or deactivate user accounts and remove all associated data and content. Users are responsible for maintaining their own records of mutual fund transactions and investments, as the Company may not be able to provide historical transaction data after account termination.

The provisions of these Terms of Use that by their nature should survive termination shall remain in effect after termination, including but not limited to warranty disclaimers, limitation of liability, indemnification obligations, and dispute resolution provisions. Termination of access to the Website or services does not affect existing mutual fund investments or the relationship between investors and fund houses.

Users agree to indemnify, defend, and hold harmless Where2invest Limited, its directors, officers, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or relating to: (a) user's use of the Website or services; (b) user's violation of these Terms of Use; (c) user's violation of any rights of another party; (d) user's violation of any applicable laws or regulations; (e) any content or information provided by the user; or (f) any mutual fund transactions or investments made through the Company's services.

This indemnification obligation shall survive the termination of these Terms of Use and user's access to the Website and services. The Company reserves the right to assume the exclusive defense and control of any matter subject to indemnification, and users agree to cooperate with the Company's defense of such claims.

These Terms of Use and any disputes arising from or relating to the use of the Website or services shall be governed by and construed in accordance with the laws of India. Any legal action or proceeding arising from or relating to these Terms of Use shall be brought exclusively in the courts of Hyderabad, Telangana, India, and users consent to the personal jurisdiction of such courts.

The Company and users agree to attempt to resolve any disputes through good faith negotiations before resorting to formal legal proceedings. For mutual fund-related disputes, users may also approach the respective fund houses grievance redressal mechanisms or the investor grievance redressal mechanisms established by AMFI and SEBI.

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law. The invalid provision shall be replaced by a valid provision that most closely approximates the intent and economic effect of the original provision.

These Terms of Use, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between the Company and users regarding the use of the Website and services. These Terms of Use supersede all prior or contemporaneous communications and proposals, whether oral or written, between the Company and users.

For any questions, concerns, or complaints regarding these Terms of Use, the Website, or our services, users may contact us at: Where2invest Limited Registered Office: 719A, Manjeera Majestic Commercial, JNTU Rd, Kukatpally Housing Board Colony, Kukatpally, Hyderabad, Telangana 500072 Email: compliance@where2invest.com Phone: 7997994610 AMFI Registration Number: ARN-328841 Compliance Officer: Alok Kushwaha; +91 79979 94610 Grievance Redressal Officer: Vaishnavi Pande; +91 89777 29398

The Company has established a grievance redressal mechanism to address user concerns promptly and fairly. Users can file complaints with our designated grievance officer, who will investigate and respond within a reasonable timeframe. For mutual fund-related grievances, users may also contact the respective fund houses directly or use the grievance redressal mechanisms provided by AMFI.

Users may also contact SEBI directly for complaints related to mutual fund distribution through the SEBI Complaints Redress System (SCORES) portal at www.scores.gov.in or contact AMFI's investor grievance redressal mechanism. SEBI can be reached at Securities and Exchange Board of India, SEBI Bhavan, Plot No. C4-A, 'G' Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051.

The Company is currently in the process of applying for additional regulatory approvals to expand its service offerings. Subject to obtaining appropriate regulatory approvals, the Company may in the future provide investment advisory services, portfolio management services, or other financial services. Any such services will be provided in compliance with applicable regulations and will be subject to separate terms and conditions.

Users will be notified of any new services or changes to existing services through appropriate communication channels. The addition of new services will not affect the existing mutual fund distribution services or the terms governing such services. Users may choose to avail of new services subject to the terms and conditions applicable to such services.

The Company reserves the right to modify, update, or amend these Terms of Use at any time without prior notice. Any changes will be effective immediately upon posting on the Website. Users are responsible for regularly reviewing these Terms of Use to stay informed of any updates or modifications.

Continued use of the Website or services after any amendments constitutes acceptance of the revised Terms of Use. If users do not agree with any modifications, they must discontinue use of the Website and services immediately. The Company may, at its discretion, provide notice of significant changes through email or prominent posting on the Website.

The most current version of these Terms of Use will always be available on the Website, and users should refer to the Website for the latest version. The Company encourages users to bookmark this page and review it periodically to ensure they are aware of any changes.