This is the document that outlines the terms and conditions that govern the use of the RAM GAIKWAD FINANCIAL SERVICES platform through the Web Portal, which is located at "https://rgfs.investwell.app", and the Mobile Application RAM GAIKWAD FINANCIAL SERVICES. The Platform includes any other sub-domain or platform that is developed, managed, owned, or operated by RAM GAIKWAD FINANCIAL SERVICES or its affiliates. "RAM GAIKWAD FINANCIAL SERVICES" refers to RAM GAIKWAD FINANCIAL SERVICES company in this document.

As per the Information Technology Act, 2000, this document is an electronic record generated by a computer system and does not require any physical or digital signature. Your acceptance of these terms and conditions is considered your consent to use the Platform, Services, and products (referred to as "Services" in this document) provided by RAM GAIKWAD FINANCIAL SERVICES in compliance with the terms and conditions established by RAM GAIKWAD FINANCIAL SERVICES.

These Terms and Conditions are released in accordance with Rule 3 (1) of the Information Technology (Intermediaries guidelines) Regulations, 2011, which mandates publishing the rules, regulations, privacy policy, and user agreement for any person's access or use of the intermediary's computer resource.

Interpretation

The terms "him," "his," "You," "Your," "Client," "User," "Investor," "I," "Subscriber," and "Customer" refer to individuals who use and access the Services and Products of RAM GAIKWAD FINANCIAL SERVICES Web Portal/App. These terms include both singular and plural. The Services provided are exclusively for Indian citizens and tax residents of India.

By downloading the App, using the Web Portal's services, or using RAM GAIKWAD FINANCIAL SERVICES's Services on any other platform managed by RAM GAIKWAD FINANCIAL SERVICES, you and RAM GAIKWAD FINANCIAL SERVICES enter into a binding agreement referred to as the "Agreement." By downloading and installing the App or using the Web Portal's services, you acknowledge that you have read, understood, and accepted these terms.

It is important to carefully read these Terms and Conditions as they contain crucial information about the Services that RAM GAIKWAD FINANCIAL SERVICES will provide to you for your protection. If you do not agree to these terms, do not use the App or the Services provided on the Web Portal or mobile application.

This Agreement may be read in conjunction with our privacy policy or other relevant documents that apply to a specific account, service, situation, circumstance, or transaction.

Any mention of a statute, ordinance, or law includes all regulations, instruments, and amendments that are currently in effect. The headings, bold typing, and italics (if used) are provided for reference purposes only and do not define, limit, or affect the meaning or interpretation of the terms outlined in this document.

In addition to any other specific requirements stated in this Agreement, your use of the App/Web Portal and Services, and your acceptance of these terms, represent that you are over 18 years of age, or have obtained legal parental or guardian consent. Furthermore, you confirm that you are fully capable, aware, and competent to enter into this Agreement, make investment decisions, execute investment transactions, evaluate any advice, and agree to comply with the terms outlined herein.

Through its website and app, RAM GAIKWAD FINANCIAL SERVICES offers mutual fund investment execution and advisory services. To make investment recommendations, the company uses the information you provide about your investment and risk assessment, and offers one or more suitable Mutual Fund Schemes provided by Asset Management Companies/Mutual Funds. The advice or information displayed on RAM GAIKWAD FINANCIAL SERVICES is based on data received from third-party providers and the company's understanding of assessing risk and suitability in line with your objectives, profile, and requirements as per the details/information provided by you. It's important to note that while RAM GAIKWAD FINANCIAL SERVICES offers advisory services, it has not undertaken any regulatory, legal, tax, or accounting analysis relating to the suitability of the products invested by you.

You are free to choose the execution of Mutual Funds you want to invest in, irrespective of whether you have obtained advisory from RAM GAIKWAD FINANCIAL SERVICES or not. You can also use RAM GAIKWAD FINANCIAL SERVICES platform or any other platform to make investment when you have received advisory from RAM GAIKWAD FINANCIAL SERVICES. However, Mere view of certain Mutual Funds information on the App or Website does not amount to advisory.

RAM GAIKWAD FINANCIAL SERVICES is a mere order collection platform that collects orders on behalf of you and places them for execution with the Asset Management Companies (“AMC”) or its authorized Registrar and Transfer Agent (RTA). The company would not be liable or responsible for any damages regarding non-execution of orders or any incorrect execution of orders with regard to the Mutual fund schemes chosen by you due to, but not being limited to, any link/system failure, or failure at third-party service providers. It is recommended that you seek appropriate professional advice, including tax advice, before dealing with any realized or unrealized gain/loss reflecting in the investments, portfolio, or statement.

RAM GAIKWAD FINANCIAL SERVICES will maintain a record of your information regarding the services you have or plan to avail through the Platform. To keep the information up-to-date, RAM GAIKWAD FINANCIAL SERVICES may collect the daily NAV, MF scheme information, and other related details from AMFI website, authorized Registrar and Transfer Agents (RTAs) of AMCs, third-party vendors, or the AMCs themselves. The updated information will be displayed on the Platform at all times, and RAM GAIKWAD FINANCIAL SERVICES will make best efforts to ensure its accuracy. However, since the information is obtained from a third-party source, RAM GAIKWAD FINANCIAL SERVICES will not be responsible for any incorrect information on the Platform. To confirm the validity of any information related to mutual fund schemes or your investments, RAM GAIKWAD FINANCIAL SERVICES recommends that you contact the respective AMCs or their RTAs.

RAM GAIKWAD FINANCIAL SERVICES leverages third-party service providers' Application Programming Interfaces and portals to enable Mutual fund transactions. The status of the transactions, account opening status, KYC, portfolio, etc., is maintained by RAM GAIKWAD FINANCIAL SERVICES based on the data provided by the third-party service providers and in accordance with the applicable regulations.

To access and use the services provided by RAM GAIKWAD FINANCIAL SERVICES, the User must complete the KYC, Investment Readiness, and Information Verification process and provide accurate personal information as per the guidelines of SEBI, AMCs, RTAs, or any other regulatory/government agencies or authorities.RAM GAIKWAD FINANCIAL SERVICES may process or transfer the User's personal information to third parties such as AMC's, RTA's, KRAs, CERSAI, Statutory Bodies or Agencies, or 3rd party service providers & partners as required to provide the services. By agreeing to these terms, the User consents to the use of their personal information for these purposes, including receiving marketing materials about other products and services. If the User does not agree to these terms, they should not sign up or avail any services offered by RAM GAIKWAD FINANCIAL SERVICES.

To access the services, the User will need to use the RAM GAIKWAD FINANCIAL SERVICES user ID and password provided by the company. The User acknowledges that they are solely responsible for safeguarding the confidentiality of their user ID and password, and any disclosure thereof will be entirely at their risk.

The App/Website/Service is strictly prohibited for commercial use. While using the App/Website/Service, you must comply with all applicable laws.

You agree not to tamper with any security-related features of the App/Website/Service, or features that prevent or restrict access to or copying of any content, or enforce limitations on the use of the App or its content.

RAM GAIKWAD FINANCIAL SERVICES does not provide, control or endorse any third-party information, products or services, even if they are displayed on the App/Website, except for the explicitly provided services.

You guarantee that you will use the App/Website/Service prudently, reasonably, and lawfully as a responsible citizen of India.

RAM GAIKWAD FINANCIAL SERVICES will not be held responsible for any transaction or request processing delay or failure arising from infrastructure issues such as server uptime, network availability, and connectivity. You shall not take any action that may cause RAM GAIKWAD FINANCIAL SERVICES to suffer any form of loss.

It is mandatory to inform RAM GAIKWAD FINANCIAL SERVICES of any significant changes in your situation or profile, and the company will rely on the most recent information provided by you. RAM GAIKWAD FINANCIAL SERVICES does not accept responsibility or liability for the authenticity of the figures calculated using the calculator provided. Although the data content is obtained from reliable sources, RAM GAIKWAD FINANCIAL SERVICES is not responsible for any error or inaccuracy that results in losses.

RAM GAIKWAD FINANCIAL SERVICES has the sole discretion and authority to decline a customer's request to open an account or suspend/freeze an account on the direction of regulatory or government bodies and authorities. The reason for not opening such an account may or may not be disclosed by the company.

The calculators/tools/planners are designed to provide assistance in determining the appropriate amount, but they are not enough to develop or implement an investment strategy. It is recommended to make investment decisions independently.

The user hereby authorise RAM GAIKWAD FINANCIAL SERVICES to share their signature available on the records of the KYC Registration Agency or CKYC with Mutual Fund, AMC, and RTAs for processing their requests.

Any action taken by Mutual Fund/AMC/its Registrar/the Trustees in good faith relying on the information/evidences/specimen (including specimen signature) available from the records of the KRA/CKYC will be considered a valid discharge. The customer shall not have any recourse against them for any such action taken in good faith relying on records or information available with the KRA/CKYC. If the customer's signatures are not available with KRA/CKYC, they shall cooperate with AMC/RAM GAIKWAD FINANCIAL SERVICES/RTA to provide additional details as required to complete verification.

The user agree that all entities are acting within the scope of guidelines/regulations defined or suggested by SEBI/AMFI or any other regulator. The customer acknowledges and provides their consent that the information provided by them may be shared with regulators/government bodies as and when required or requested by them.

By logging into the RAM GAIKWAD FINANCIAL SERVICES App/Website using their credentials, the customer acknowledges and provides consent to verify their credentials with RAM GAIKWAD FINANCIAL SERVICES. The customer understands that all transactions, financial or non-financial, carried out by them through the RAM GAIKWAD FINANCIAL SERVICES App or Website.

All investments through the RAM GAIKWAD FINANCIAL SERVICES Platform shall be made at the sole discretion of the user, and all investments will be executed by the user or as per the directions issued by the user.

The user authorizes RAM GAIKWAD FINANCIAL SERVICES to utilize their KYC information, which they have submitted as their own will or uploaded on RAM GAIKWAD FINANCIAL SERVICES's system, for the purpose of validation and compliance with legal and regulatory requirements. The user shall inform RAM GAIKWAD FINANCIAL SERVICES/AMC of any changes in their KYC information or investment information or declaration or change in signature/signatories. If the user's signature is not updated, available, or legible in KYC records, RAM GAIKWAD FINANCIAL SERVICES/AMC would be within its rights to carry out further checks to validate the authenticity of the request or reject any such request based on existing KYC information.

By signing this agreement, the User gives permission to RAM GAIKWAD FINANCIAL SERVICES to share their signature from the records of KYC Registration Agency (KRA) or CKYC with Mutual Fund, AMC, RTAs, and Trustees for authenticating and processing requests. The User agrees that any action taken in good faith by Mutual Fund/AMC/Registrar/Trustees/RAM GAIKWAD FINANCIAL SERVICES relying on information, evidences, or specimen signatures available from the records of KRA/CKYC will be a valid discharge for them. The User cannot hold them responsible for any such action taken in good faith.

The User hereby declares that all amount invested in the schemes through the RAM GAIKWAD FINANCIAL SERVICES platform shall be through his / her own legitimate source / Bank Account only and the said investments do not contravene any Act, Rules, Regulations, Notifications or Directives of the provisions of the Income Tax Act, Anti Money Laundering Laws, Anti-Corruption Laws or any other applicable laws enacted by the Government of India from time to time.

The User affirms that they have not received any rebate or gifts, either directly or indirectly, to make the investment and that the invested funds belong to the User. The User acknowledges that any investment made through a third-party account may be rejected by RAM GAIKWAD FINANCIAL SERVICES or the AMC. In case the "Know Your Client" process is incomplete and not satisfactory to the RAM GAIKWAD FINANCIAL SERVICES/AMC/Mutual Fund, the User authorizes the AMC/Mutual Fund to redeem the funds invested in the Scheme at the prevailing NAV on the date of redemption at their sole discretion, and agrees to comply with any other actions required by law.

The User consents to sharing and providing their transaction data feed, portfolio holdings, and NAV pertaining to their investments under the Direct plan of all schemes to RAM GAIKWAD FINANCIAL SERVICES, a SEBI registered investment advisor. As part of the services provided under this Agreement, the User authorizes RAM GAIKWAD FINANCIAL SERVICES, AMC, and Mutual Fund to share, disclose, or transfer their personal data and information, including details of their investments and transactions in the Mutual Fund Schemes, with the investment advisor. The AMC/Mutual Fund may disseminate this information to the investment advisor, who will solely use it for collating the User's portfolio details under the financial services Advisory/Execution Agreement.

The User agrees to hold harmless and indemnify the AMC/Mutual Fund for any damage, regulatory action, or liability resulting from the sharing, disclosure, and transfer of information mentioned above. The User acknowledges that the investment advisor has an agreement with the AMC/Mutual Fund to accept transaction feeds and further acknowledges that if this agreement is terminated for any reason, the User will submit transactions directly to the AMC/Mutual Fund through other permitted modes of transactions.

The App/Website/Services may include links, information, or pointers to other websites or services for payments, information verifications, transaction processing, or other appropriate services. However, it should not be inferred or assumed that RAM GAIKWAD FINANCIAL SERVICES operates, controls, manages or is otherwise associated with these other websites. Whenever you click on a link within the App/Website, RAM GAIKWAD FINANCIAL SERVICES may or may not warn you that you have left the App/Website and are subject to the terms and conditions, disclaimers (including privacy policies) of another website or its partners and service providers. It is recommended that you carefully read the terms of use and privacy policy of any other website before providing any confidential information or engaging in any transactions. You should not rely on the terms of RAM GAIKWAD FINANCIAL SERVICES to govern your use of another website. Even if a website is operated by a company affiliated or connected with RAM GAIKWAD FINANCIAL SERVICES, it is not responsible for the content or practices of any other website that links to the site. You acknowledge and agree that RAM GAIKWAD FINANCIAL SERVICES is not responsible or liable to you for any content or other materials hosted and served from any website other than the App/Website.

Payments for Mutual Fund (MF) – NFO’s, Liquid Funds, Equity, Debt & International funds etc. including lump sum and SIP:

Modes of Payments:

You can transfer the funds using UPI, net banking and IMPS/NEFT/RTGS and/or any other mode as may be approved by RAM GAIKWAD FINANCIAL SERVICES from time to time.

1. Payment Gateway provided by Exchange

RAM GAIKWAD FINANCIAL SERVICES employs a third-party payment gateway to facilitate money transfers, and completed transactions cannot be cancelled. The User must use their own bank account, or the transaction may be rejected. In case the credit is not visible in the User's account immediately after transferring funds through the instant payment gateway, the User must wait at least 24 hours for the funds to reflect in the account. RAM GAIKWAD FINANCIAL SERVICES does not accept cash or demand deposit as payment.

You can transfer funds using UPI. You may initiate the payment from our website/mobile application.

RAM GAIKWAD FINANCIAL SERVICES utilizes exchange payment gateway services to provide users with bank transfer functionality. This involves sharing the user's bank account information with the payment gateway, which is done only after the user gives consent while enabling the Bank Transfers feature. This enhances the user's experience and enables RAM GAIKWAD FINANCIAL SERVICES to verify the funds transferred by the user from their registered bank accounts.

If the bank account used to transfer funds is not registered with RAM GAIKWAD FINANCIAL SERVICES or does not belong to the user, the Payment Gateway provider will initiate a refund on the same day, subject to credit realization. The turnaround time for payment gateways and banks can vary up to 7-10 working days.

Users can use the net banking facility to transfer funds, which can be initiated through RAM GAIKWAD FINANCIAL SERVICES's app/website. It is advisable for users to use their own Net Banking Account while transferring funds. RAM GAIKWAD FINANCIAL SERVICES shall not be responsible for any failed or pending transactions or fraudulent use of Net-banking in any way. Any fraudulent transaction or attempt shall be subject to legal action under the relevant section of the Indian Penal Code (IPC). In case of a failed transaction, the user may be charged by their bank, and RAM GAIKWAD FINANCIAL SERVICES shall not be liable for any such charges.

RAM GAIKWAD FINANCIAL SERVICES offers different recurring payment options through mandates, which are applicable to all products provided by the company. Only verified bank accounts are registered for bank mandates. RAM GAIKWAD FINANCIAL SERVICES is not responsible for failed or pending transactions resulting from approved mandates. If there are any modifications in account details or a closed account, users are responsible for updating the mandates. Users must abide by the disclaimers and terms and conditions of third-party service providers and payment gateway disclaimers. Although RAM GAIKWAD FINANCIAL SERVICES takes reasonable care to protect against unauthorized data use, the company cannot guarantee that using its services will not lead to data theft or unauthorized use. Users are responsible for ensuring the transaction's success and accept the risk and responsibility by agreeing to these terms and conditions.

RAM GAIKWAD FINANCIAL SERVICES has taken reasonable measures to safeguard against unauthorized use of user's transmitted information. However, RAM GAIKWAD FINANCIAL SERVICES cannot guarantee that its services will be free from theft and/or unauthorized use of data over the Internet. It is the user's responsibility to ensure the transaction's success. By accepting these terms and conditions, the user acknowledges that the use of the online payment service is entirely at their own risk and responsibility.

2. Mutual Fund Transactions

RAM GAIKWAD FINANCIAL SERVICES endeavors to process transaction requests for Mutual Funds to the best of its ability. The requests will be processed according to the business rules and cut-off times in effect. However, RAM GAIKWAD FINANCIAL SERVICES cannot guarantee the processing of these requests in the event of system failures on its end. If any system failure occurs with the RTA/AMC/Payment Gateway Provider/Bank, RAM GAIKWAD FINANCIAL SERVICES and its users will rely on the fallback provided by the respective service provider. This disclaimer must be read in conjunction with payment settlements. Users acknowledge that RAM GAIKWAD FINANCIAL SERVICES serves as an intermediary for facilitating financial transactions and is subject to the capabilities and timelines of AMCs/RTAs/Payment Service Providers/Banks involved in the said transactions.

For Mutual Funds, RAM GAIKWAD FINANCIAL SERVICES will make a best effort to send the transaction request to the RTA (acting on behalf of the respective AMCs). The processing of the request will be handled according to the existing business rules at the RTA. If there are any system failures at RAM GAIKWAD FINANCIAL SERVICES, we will endeavor to process the request as soon as possible but we cannot guarantee this. In case of system failures at the RTA, PML and its users will rely on the fallback provided by the RTA. Users should note that PML acts as an intermediary between the user and the AMC for the purpose of facilitating Non-Financial Transactions. RAM GAIKWAD FINANCIAL SERVICES is limited by the capabilities and timelines provided by the AMCs / RTAs for such non-financial transactions.

For Mutual Funds, RAM GAIKWAD FINANCIAL SERVICES will provide transaction data to each RTA (on behalf of respective AMCs) in a format agreed upon by both parties, and the transaction will be processed by the RTA according to existing business rules. Confirmation of each transaction's status will be received by RAM GAIKWAD FINANCIAL SERVICES from the RTA in a format mutually agreed upon with the RTA and AMC. Transaction processing time and business logic are beyond the control of RAM GAIKWAD FINANCIAL SERVICES.

The user understands that RAM GAIKWAD FINANCIAL SERVICES is only acting as a platform. User enters into a bilateral relationship with AMC / Mutual fund when he places and orders with the relevant AMC, or any entity acting as a collection agent on its behalf.

3. Settlements

The settlement to the respective bank account(s) is done by the Banks and Exchange Payment Gateway and will be done on a best effort basis as per their timelines. The applicable Net Asset Value (NAV) for the purchase of units of mutual fund will be subject to realisation and availability of funds in the bank account of AMC/Trustee before the applicable cut-off timings, as specified by AMFI/SEBI for Mutual Funds, regardless of the amount of investment, and according to the business logic at the corresponding RTA. The settlement for both lumpsum and SIP in Mutual Funds will be the same depending on the mode of payment.

RAM GAIKWAD FINANCIAL SERVICES has tied up with Bombay Stock Exchange (BSE) Star MF platform to process Mutual Fund orders, such as Buy/Purchase/SIP, and forward them to the relevant Asset Management Companies ("AMC") or their authorized Registrar and Transfer Agent (RTA) for processing. The Payment Gateway on the RAM GAIKWAD FINANCIAL SERVICES website/app for investing in Mutual Funds is also provided by the BSE Star MF platform. RAM GAIKWAD FINANCIAL SERVICES can only offer schemes available on the BSE Star MF platform, and it only distributes AMC products and does not warrant or guarantee the performance of the AMC or any mutual fund schemes they offer. To facilitate your Mutual Fund order and Payment processing, RAM GAIKWAD FINANCIAL SERVICES will share your details, such as PAN, Address Details, Bank Details and Documents, Signature, etc., with the BSE Star MF platform, and these records may be used to authorize the transactions you submitted. RAM GAIKWAD FINANCIAL SERVICES and BSE will send messages regarding your orders/investments/portfolio/new schemes, etc., to the Mobile Number and email ID you provided, and this consent will override any registration for the Do Not Call ("DNC")/National Do Not Call ("NDNC") registry. AMCs are not obligated to accept any subscriptions to the various Mutual Fund Schemes offered by them. You must notify RAM GAIKWAD FINANCIAL SERVICES in writing if there are any changes in the information you provided.

The RAM GAIKWAD FINANCIAL SERVICES platform is an order collection platform and does not provide any form of advisory services. RAM GAIKWAD FINANCIAL SERVICES does not provide tips, advisory, solicitation, opinions, or portfolio management services related to buying, selling, and trading any mutual funds in any manner.

To avail this service, you must abide by the terms and conditions provided in the circulars by BSE and specified by BSE from time to time. You must ensure compliance with the requirements specified by SEBI and the Association of Mutual Funds of India (AMFI) from time to time.

You, the client, expressly agree that RAM GAIKWAD FINANCIAL SERVICES is not liable or responsible and does not represent or warrant any damages/loss of interest and/or opportunity loss and/or any loss arising due to the movement of Net Asset Value (NAV), notional or otherwise, due to non-execution of orders or any incorrect execution of orders concerning the mutual funds chosen by the client due to, but not limited to, any link/system failure, sufficient/insufficient funds in the trading account/Client's bank account that may occur at the end of the client.

If for any reason the bank/payment transfer transaction for mutual fund purchases is not completed, and units are credited to you, RAM GAIKWAD FINANCIAL SERVICES reserves the right to take action to recover the owed amount. Your personal information may be processed by third parties, such as BSE Star MF, RTA's, and AMC's, to provide services and marketing materials. By using the platform, you agree to these terms.

The money debited from your RAM GAIKWAD FINANCIAL SERVICES trading account for mutual fund transactions will be credited/transferred to the respective Mutual Funds either on the same day or the next working day, depending on the order's cut-off time. There may be a time lag in transferring/crediting the money to the Mutual Fund account, and units will be allotted, redeemed or switched at the NAV prevalent on the transaction request date. If the request falls due on a holiday or after the cut-off time, it will be processed on the next working day, and the applicable NAV will be per the Mutual Fund's Scheme Information Document. You must maintain a clear balance in your account to cover the purchase price and other costs and charges. RAM GAIKWAD FINANCIAL SERVICES and its representatives will not be liable for any variances in values arising from delayed data feeds, transmission losses, or electronic fund transfer issues.

If the bank account provided by you at the time of registration with the RTA of the schemes is on the list of banks with which the Mutual Fund has a direct credit arrangement, then redemption proceeds and dividend payouts will be credited directly to your bank account by the AMC. The list of such banks is available in the Scheme Information Document or Key Information Memorandum (KIM) cum common application form of the respective Mutual Fund. However, please note that applicable exit load or any other charges levied by the Mutual Funds/AMCs will be chargeable in accordance with the Scheme Information Documents (SID) / Key Information Memorandum (KIM) and addendums issued from time to time. Therefore, it is your responsibility to read the scheme related documents before investing.

Price Data & NAV

The platform displays NAV, prices, and other data related to the transactions on an "as is" basis, which may be sourced from third-party vendors, AMCs, or any other entities that RAM GAIKWAD FINANCIAL SERVICES is associated with. RAM GAIKWAD FINANCIAL SERVICES shall not be responsible for any discrepancies in price data due to delays or connectivity issues, and shall not be liable for any consequential damages arising from such inaccuracies. It is your responsibility to conduct your own due diligence on the prices to be paid for transactions on any instruments, and to make investment decisions at your sole discretion. Upon making an investment, the allocation of units by mutual funds, AMCs, bond houses, or other institutions will be based on applicable NAV/Bond price traded/issued, which is beyond the control of RAM GAIKWAD FINANCIAL SERVICES.

RAM GAIKWAD FINANCIAL SERVICES does not guarantee the accuracy of NAV calculations or unit allocations by mutual funds. If you notice any discrepancies, RAM GAIKWAD FINANCIAL SERVICES's customer support team will assist you in resolving your query through the respective AMC.

I give my consent to use my wet signature, as per the signature available in RAM GAIKWAD FINANCIAL SERVICES's records, for signing the BSE Star MF Segment activation form.

Using the BSE Star MF Platform's services is subject to additional terms and conditions, along with the terms and conditions of RAM GAIKWAD FINANCIAL SERVICES's website. You are required to read and follow all the applicable terms and conditions.

After this Agreement is terminated, you are obligated to maintain confidentiality of any confidential information disclosed to you by RAM GAIKWAD FINANCIAL SERVICES. You also agree to protect RAM GAIKWAD FINANCIAL SERVICES's proprietary information using the same level of care and procedures that you use to protect your own similarly important proprietary information, and to exercise reasonable care at all times.

You agree not to disclose or use the information provided under this service for any unauthorized, illegal or commercial purposes or for any third-party discussion forums. You agree to use the information provided under this plan solely for personal purposes. You are not authorized to recompile, copy, modify, distribute, transmit, display, perform, reproduce, publish or create derivative works from, transfer, or sell any information, services etc accessed here. You acknowledge that unauthorized use of RAM GAIKWAD FINANCIAL SERVICES's information or systems is unlawful and may result in civil or criminal penalties.

You acknowledge that RAM GAIKWAD FINANCIAL SERVICES holds the right to suspend or terminate your account or your use of the App and Website, with or without notice and without any penalty, at its sole discretion, for any or no reason. RAM GAIKWAD FINANCIAL SERVICES may also block, restrict, disable, suspend, or terminate your access to the App and Website, or any part of it, at its discretion, with or without prior notice.

You understand that RAM GAIKWAD FINANCIAL SERVICES will not be liable to You or any third party for any such termination or interruption, and any suspected illegal, abusive, or fraudulent activity may be reported to the appropriate law enforcement authorities. RAM GAIKWAD FINANCIAL SERVICES reserves the right to exercise any other legal or equitable remedies it may have in addition to the aforementioned remedies. You agree to discontinue using the App / Website / Service immediately upon termination for any reason. You may request termination of your account by submitting a request through the Settings section of the App / Website. (Ref. “How to Delete Account?” for help)

RAM GAIKWAD FINANCIAL SERVICES, its contractors, agents, licensors, directors, employees, associates, partners or suppliers will not be liable to You for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation lost business opportunities, losses in investment products, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever), regardless of the cause.

Furthermore, RAM GAIKWAD FINANCIAL SERVICES, its directors, employees, and agents will not be liable to You or any third party for any damages, liabilities, losses, and causes of action arising out of or related to: (i) this Agreement; (ii) Your use of or access to the App and/or the Website or any reference Site/App/Platform/Service; (iii) Your use or inability to use the Services provided by RAM GAIKWAD FINANCIAL SERVICES (including any and all materials) or any reference Sites/App/Platform/Service; (iv) any other interactions with RAM GAIKWAD FINANCIAL SERVICES; or (v) any action caused by AMC, RTA, or any other third party, regardless of the cause and whether arising in contract, tort (including negligence), warranty, or otherwise, beyond or in excess of ₹500 or the amount required as per regulatory guidelines, whichever is lesser.

You acknowledge and accept that RAM GAIKWAD FINANCIAL SERVICES has provided its Services, established its prices, and entered into this Agreement relying on the disclaimers of warranties and limitations of liability as stated in this document. You further acknowledge that these provisions represent a reasonable and equitable distribution of risk between You and RAM GAIKWAD FINANCIAL SERVICES, and that they are a fundamental component of the agreement between You and RAM GAIKWAD FINANCIAL SERVICES. Without these limitations, RAM GAIKWAD FINANCIAL SERVICES would not be able to provide its Services to you in an economically feasible manner. This section of the agreement will continue to be valid even after the termination of this Agreement.

You shall be responsible for defending, indemnifying and holding harmless RAM GAIKWAD FINANCIAL SERVICES, the AMC, the Mutual Fund, their affiliates, officers, directors, employees, and partners from any claims, losses, damages, liabilities, expenses, and costs, including reasonable legal fees, arising from or related to: (i) Your use of the Services, App, or Website; (ii) any violation by You of this Agreement or applicable laws; (iii) any breach of the representations, warranties, and covenants made by You herein; (iv) any act of negligence, misconduct, or fraud committed by You; or (v) any sharing or disclosure of the information provided under this Agreement.

RAM GAIKWAD FINANCIAL SERVICES reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by You, and You agree to cooperate with RAM GAIKWAD FINANCIAL SERVICES's defense of such claims. RAM GAIKWAD FINANCIAL SERVICES will make reasonable efforts to notify You of any claim, action, or proceeding that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive the termination of this Agreement.

RAM GAIKWAD FINANCIAL SERVICES and its third-party partners hereby disclaim all warranties or guarantees, whether statutory, express or implied, to the fullest extent permissible pursuant to applicable law. Such warranties or guarantees include, but are not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. You acknowledge that no advice or information, whether oral or written, obtained by You from RAM GAIKWAD FINANCIAL SERVICES or through the App/Website/Service will create any warranty or guarantee other than those expressly stated herein. For the purposes of this disclaimer, the term "RAM GAIKWAD FINANCIAL SERVICES" includes RAM GAIKWAD FINANCIAL SERVICES’s officers, directors, employees, affiliates, and subsidiaries. By using the Services on the App/Website, You expressly agree that such use is at your sole risk.

The information provided through the App or the Website is provided on an "AS IS" basis and is subject to best efforts. Your use of the App / Website / Service is at your own risk. The App / Website / Service, along with any data, information, third-party software, reference sites, services, or software made available through it, are provided "as is," "as available," and "with all faults" basis, without any express or implied warranties or representations of any kind. RAM GAIKWAD FINANCIAL SERVICES and any third-party suppliers, affiliates, subsidiaries, licensors, employees, and partners do not guarantee that the data, software, functions, or any other information offered on or through the app will be uninterrupted, error-free, or free from viruses or other harmful components. They do not guarantee that any of the foregoing will be corrected.

RAM GAIKWAD FINANCIAL SERVICES and any third-party suppliers, licensors, affiliates, subsidiaries, and partners do not guarantee or make any representations regarding the correctness, accuracy, reliability, or any other aspect of the use or results of the use of the App / Website / Service.

You acknowledge and agree that your use, access, download, or obtainment of information, materials, or data through the App/Website/Service is solely at your discretion and risk. You are solely responsible for any damage to your property, including your computer system or other device, or loss of data resulting from such actions. RAM GAIKWAD FINANCIAL SERVICES does not authorize anyone to make any warranty on its behalf, and you should not rely on any such statement. This paragraph will remain in effect even after the termination of this Agreement.

RAM GAIKWAD FINANCIAL SERVICES will not be liable for any incidental, consequential, or indirect damages resulting from your use of or inability to use the App/Website/Service, including damages for loss of profits, business interruption, loss of programs or information, or any other similar losses.

You understand that you should not solely rely on any views, representations, recommendations, opinions, reports, analysis, information, or other statements made by RAM GAIKWAD FINANCIAL SERVICES or any of its agents, directors, officers, or employees. In the event that you decide to make an investment based on the information or recommendation provided by RAM GAIKWAD FINANCIAL SERVICES, you do so at your own risk, and you should consider your financial situation, objectives, and needs, and consult with your legal, business, tax, and/or other professional advisors to determine the appropriateness and consequences of such an investment. You agree that all final decisions will be yours, and RAM GAIKWAD FINANCIAL SERVICES will not be liable for any consequences resulting from those decisions.

RAM GAIKWAD FINANCIAL SERVICES is the owner and operator of the App / Website / Service. The Services and Materials, including visual interfaces, graphics, designs, information, computer code, software, services, and all other elements of the Services and App / Website provided by RAM GAIKWAD FINANCIAL SERVICES, are protected by Indian copyright, trademark, patent, and trade dress laws, international conventions, and other relevant intellectual property and proprietary rights laws. All Materials, trademarks, service marks, and trade names contained on the App / Website / Service are the property of RAM GAIKWAD FINANCIAL SERVICES. You agree not to remove or alter any copyright, patent, trademark, or other proprietary rights notices of RAM GAIKWAD FINANCIAL SERVICES or any third party's affixed to or contained within or accessed in conjunction with or through the App / Website / Service. Unless expressly authorized by RAM GAIKWAD FINANCIAL SERVICES, You agree not to copy, modify, distribute, sell, license, publicly perform or display, transmit, publish, edit, adapt, create derivative works, or otherwise make unauthorized use of the Materials. RAM GAIKWAD FINANCIAL SERVICES reserves all rights not expressly granted in this Agreement.

RAM GAIKWAD FINANCIAL SERVICES has the right to modify, amend, or remove portions of the Terms of this Agreement, privacy policy, and disclaimers on the Platform at any time. The updated Terms will be available on the Platform, and it is your responsibility to visit the Platform regularly to view the current version of the Terms. You should periodically check the Terms for any changes. The changes will be effective and deemed accepted by you 24 hours after the initial posting and will apply to your use of the Platform, Services, or payment transactions made through the Platform after the posting date. If you disagree with any changes, you may terminate your use of the App / Website / Service. RAM GAIKWAD FINANCIAL SERVICES may be required to provide advance notice for certain changes under applicable law, and will comply with such requirements. Your continued use of the App / Website / Service after the changes are posted means that you accept and agree to the changes.

RAM GAIKWAD FINANCIAL SERVICES may communicate with you through various channels, such as email, SMS, push notifications, regular mail, or postings on the App/Website. Any notice to RAM GAIKWAD FINANCIAL SERVICES should be sent via courier or registered mail to the email address rjgaikwad@gmail.com, unless otherwise specified. RAM GAIKWAD FINANCIAL SERVICES will send all notices, information, and other correspondence to you by email, SMS, or letter to the communication address provided by you. You must inform RAM GAIKWAD FINANCIAL SERVICES of any changes to your email ID, mobile number, or correspondence address in advance.

Please note that electronic communications are not guaranteed to be delivered successfully or securely, and may contain viruses. RAM GAIKWAD FINANCIAL SERVICES will not be responsible for any loss or harm caused by lost, delayed, intercepted, corrupted, or otherwise altered emails, or for any failure to deliver emails due to factors beyond its control. All correspondence will be in English.

By using the Services, you agree to be contacted by RAM GAIKWAD FINANCIAL SERVICES and its representatives through phone or registered email ID. If your mobile number is registered on the TRAI's Do Not Disturb (DND) list, you may not receive SMS from RAM GAIKWAD FINANCIAL SERVICES. You must take steps to deregister from the DND list, and RAM GAIKWAD FINANCIAL SERVICES will not be held responsible for non-receipt of SMS during the interim period.

If RAM GAIKWAD FINANCIAL SERVICES does not enforce or exercise any right or provision outlined in this Agreement, it shall not be considered as a waiver of that right or provision. Any waiver of a provision in this Agreement will only be effective if it is in writing and signed by RAM GAIKWAD FINANCIAL SERVICES.

In case of any dispute, controversy or claim arising under this Agreement or related to the App/Website/Service, the parties will attempt to resolve the matter amicably. If they are unable to do so within 30 days of receiving notice of the Dispute, RAM GAIKWAD FINANCIAL SERVICES may choose to settle the matter through binding arbitration under the Indian Arbitration & Conciliation Act, 1996. The arbitration will be conducted on an individual basis and will not be consolidated with any other party's claim or controversy. A sole arbitrator appointed by RAM GAIKWAD FINANCIAL SERVICES will resolve the Dispute in accordance with the Act. The arbitration will take place in New Delhi, and the proceedings will be conducted in English. Before the arbitration's completion, either party may seek interim or preliminary relief from a court of competent jurisdiction to safeguard its rights or property, including the rights or property of any agents, suppliers, or subcontractors. All administrative fees and expenses of arbitration will be split equally between the parties. Each party will bear the expense of its own lawyers and preparation.

The arbitration proceedings will be confidential, and the parties will not disclose the existence, content, or results of the arbitration except as required by law or for enforcing the arbitration award. This paragraph will remain in force even if this Agreement is terminated.

Except as provided in the Dispute Resolution section above, you hereby agree that any claims or disputes with RAM GAIKWAD FINANCIAL SERVICES must be resolved by a court that has jurisdiction in New Delhi, India. By using the App/Website/Service, you consent to the personal jurisdiction of the courts located within New Delhi, India, for the purpose of resolving any such claims or disputes. This Agreement shall be governed by Indian law. This section will remain in effect even after the termination of this Agreement.

In the event that any provision of this Agreement is found to be illegal, void, invalid or unenforceable, such provision shall be limited or removed from this Agreement to the extent necessary, and the remaining provisions will continue to be valid and enforceable.

In the event that this Agreement is terminated, any provisions that are required to survive due to their nature or express terms will continue to remain in effect with regards to any transfers or relationships that occurred before such termination or expiration.

The headings used in these T&Cs are for convenience only and do not form a part of these terms and conditions. They shall not be construed to limit or modify any provisions of this Agreement.

These terms and conditions are the entire agreement between you and RAM GAIKWAD FINANCIAL SERVICES relating to the subject matter hereof and this Agreement will not be modified except by a change to this Agreement made by RAM GAIKWAD FINANCIAL SERVICES in accordance with the terms of this Agreement.

In the event that either party's ability to perform their obligations under this Agreement is impeded or delayed by circumstances beyond their reasonable control, such as natural disasters, war, civil unrest, unavailability of communication systems including the Internet, payment mechanism breaches or viruses, government actions, computer hacking, unauthorized access to computer data and storage devices, computer crashes, security breaches and encryption code violations (each a "Force Majeure Event"), the affected party shall be excused from performing such obligations for as long as the Force Majeure Event persists, despite their best efforts. The payment obligations of the parties shall remain unaffected by a Force Majeure Event, unless prohibited by law or embargo.

The right to use the App / Website / Service is personal to you and is not transferable by assignment, sublicense, or any other method to any other person or entity.

Under no circumstances shall RAM GAIKWAD FINANCIAL SERVICES or any of its contractors, agents, licensors, directors, employees, associates, partners, or suppliers be held liable to You for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages. Such damages may include, but are not limited to, losses in investment products, lost business opportunities, lost revenues, loss of anticipated profits, or any other type of pecuniary or non-pecuniary loss or damage, regardless of how they arise.

Under no circumstances shall RAM GAIKWAD FINANCIAL SERVICES, its directors, employees, or agents be held liable to You or any third party for any damages, liabilities, losses, or causes of action arising from: (i) this Agreement; (ii) Your use of or access to the App and/or Website, or any reference Site/App/Platform/Service; (iii) Your use or inability to use the Services provided by RAM GAIKWAD FINANCIAL SERVICES (including any and all materials) or any reference Sites/App/Platform/Service; (iv) any other interactions with RAM GAIKWAD FINANCIAL SERVICES; or (v) any actions caused by AMC or RTA or any other third party, regardless of how they arise, and whether arising in contract, tort (including negligence), warranty or otherwise. The maximum amount of liability shall not exceed ₹500 or the amount required by Regulatory guidelines, whichever is lesser.

You acknowledge and agree that RAM GAIKWAD FINANCIAL SERVICES has provided its Services, established its prices, and entered into this Agreement with the understanding that the limitations of liability outlined herein are valid. These limitations of liability represent a fair and reasonable distribution of risk between You and RAM GAIKWAD FINANCIAL SERVICES, and they are an essential component of the agreement between the two parties. Without these limitations, RAM GAIKWAD FINANCIAL SERVICES would not be able to offer the Services on an economically feasible basis. In all instances, RAM GAIKWAD FINANCIAL SERVICES and its affiliates, employees, representatives, contractors, agents, licensors, directors, associates, partners, suppliers, and distributors will not be held liable for any loss or damage that is not reasonably foreseeable or beyond the onus or management of RAM GAIKWAD FINANCIAL SERVICES, or that falls under the control or management of external partners or third-party service providers.

RAM GAIKWAD FINANCIAL SERVICES's automated systems may gather and analyze data on your browsing behavior or investment decisions on the platform to offer customized features like tailored messages, product recommendations, and advertising based on your preferences. This analysis is conducted as your usage data is collected in our systems. RAM GAIKWAD FINANCIAL SERVICES utilizes this data to personalize and enhance your experience to the best of its abilities, and we urge you to make your own investment decisions by studying and comprehending the investment products. Once you receive advice, it is up to you to decide whether to follow it in part or in whole or disregard it entirely. You have complete freedom to choose the execution of Mutual Funds you wish to invest in, whether or not you have received advice from RAM GAIKWAD FINANCIAL SERVICES. Additionally, viewing information about certain Mutual Funds on the website or app does not constitute advice. While providing Advisory Services, RAM GAIKWAD FINANCIAL SERVICES has not conducted any regulatory, legal, tax, or accounting analyses concerning the suitability of your investment products. Therefore, you should seek appropriate professional advice, including tax advice, before making any decisions regarding realized or unrealized gains or losses reflected in your investments, portfolio, or statements.

The availability and functionality of some services, such as Account Information and Maintenance, are dependent on a secure and uninterrupted connection to external providers. RAM GAIKWAD FINANCIAL SERVICES cannot guarantee that such connection will always be available or free from errors or downtime, as it is provided by third parties over whom RAM GAIKWAD FINANCIAL SERVICES may have no control. RAM GAIKWAD FINANCIAL SERVICES will make every effort to provide an alternative solution, but it reserves the right to suspend these services if it believes that the security of the site or the data may be compromised.

Mutual Funds investments are subject to market risks. Read all scheme related documents carefully. Past performance is not an indicator of future returns.

RAM GAIKWAD FINANCIAL SERVICES serves as an intermediary that collects user orders and submits them to the relevant AMC or collection agent. The company does not offer regulatory, legal, tax, or accounting advice on the suitability of investment products. Users should seek professional advice, including tax advice, before investing and managing their portfolio's gains and losses.

Users should also note that any returns or benefits resulting from transactions made through RAM GAIKWAD FINANCIAL SERVICES are subject to applicable tax deductions as per Indian taxation laws.

It is important to note that RAM GAIKWAD FINANCIAL SERVICES's services do not constitute an offer or solicitation to buy or sell securities in any jurisdiction where such activities are unlawful.

RAM GAIKWAD FINANCIAL SERVICES makes no warranties or representations, whether express or implied, regarding the products available through the RAM GAIKWAD FINANCIAL SERVICES Platform. The information and figures provided on the platform are presented "As Is" and should not be considered as recommendations or advice. These details will be updated based on the information received from the entities responsible for providing the information.

RAM GAIKWAD FINANCIAL SERVICES and its service providers are not responsible for any failure to meet service standards or obligations due to a Force Majeure Event. Such events include circumstances beyond their reasonable control, such as the unavailability of communication systems, virus attacks, payment mechanism failures, natural disasters, civil unrest, strikes, government actions, and other similar events. These events may impact the performance of the platform, but RAM GAIKWAD FINANCIAL SERVICES and its service providers will not be held liable for them.

The mutual fund information displayed on the RAM GAIKWAD FINANCIAL SERVICES website and app is obtained from third-party vendors over whom RAM GAIKWAD FINANCIAL SERVICES has no control or authority. The information is either directly acquired from these vendors or derived from it. RAM GAIKWAD FINANCIAL SERVICES will strive to display the most up-to-date data, but it does not guarantee the accuracy, relevance, or timeliness of the information. Users should invest at their own discretion based on this information.

1. Returns Graph

The user understands that any graphical representations, recommendations, feedback, and reviews provided on the RAM GAIKWAD FINANCIAL SERVICES website and app do not guarantee the performance of the funds or assess the creditworthiness of the fund or its underlying securities. The graphical representations are merely factual depictions of fund performance and do not constitute investment advice. Actual returns may differ significantly and depend on personal and market circumstances. The graphs are created based on data obtained from third-party data providers, and RAM GAIKWAD FINANCIAL SERVICES assumes no responsibility for its accuracy, correctness, relevance, or timeliness. Users should invest at their own discretion based on this information.

2. Asset Management Company (“AMC”)

Information regarding AMC (Asset Management Company) displayed on the RAM GAIKWAD FINANCIAL SERVICES app is obtained from third-party vendors, and RAM GAIKWAD FINANCIAL SERVICES has no control or authority over the authenticity of the information. The data displayed is either obtained directly from third-party vendors or derived from it. Although RAM GAIKWAD FINANCIAL SERVICES will strive to provide the most up-to-date data, it does not take responsibility for the accuracy, relevance, or timeliness of the information. Users are advised to exercise their own discretion while making investment decisions.

3. Insta Redemptions

RAM GAIKWAD FINANCIAL SERVICES uses the term "Insta Redemption" for funds that offer instant redemption facility in collaboration with the respective Asset Management Companies (AMCs). These funds fall under SEBI guidelines, which stipulate that users can withdraw up to ₹50,000 or 90% of the latest value of their investment, whichever is lower, per day per user per scheme. RAM GAIKWAD FINANCIAL SERVICES is not responsible for the amount or timeline of the redemption proceeds being credited to users' bank accounts. The credit of funds will be done in accordance with the bilateral contract between the AMC and the user. RAM GAIKWAD FINANCIAL SERVICES only acts as an intermediary in this transaction, and any issues related to Insta Redemptions should be directed to the respective AMC.

4. Performance & Returns

RAM GAIKWAD FINANCIAL SERVICES receives the returns and other performance details shown on its app from third-party vendors, and it has no control or authority over the legitimacy of the data. The data shown is either directly acquired from the third-party vendors or derived from it. RAM GAIKWAD FINANCIAL SERVICES takes no responsibility for the correctness, relevancy, or update of the data, although it will attempt to show users the most recent data. Users are advised to invest at their own discretion.

5. Comparison

RAM GAIKWAD FINANCIAL SERVICES receives the comparison and other performance details shown on its app from third-party vendors, and it has no control or authority over the legitimacy of the data. The data shown is either directly acquired from the third-party vendors or derived from it. RAM GAIKWAD FINANCIAL SERVICES takes no responsibility for the correctness, relevancy, or update of the data, although it will attempt to show users the most recent data. Users are advised to invest at their own discretion.

6. Riskometer

The riskometer shown on RAM GAIKWAD FINANCIAL SERVICES's app or website as part of Mutual Fund scheme details is received from third-party vendors, and RAM GAIKWAD FINANCIAL SERVICES has no control or authority over the legitimacy of the data. RAM GAIKWAD FINANCIAL SERVICES is not responsible for the outcomes of any investment or redemption decisions made by users based on the riskometer on the Mutual Fund page. Mutual Fund Investments are subject to market risks, and users should read the scheme-related documents carefully before investing. Past performance is not an indicator of future returns.

7.Riskometer vs User Risk Profile

RAM GAIKWAD FINANCIAL SERVICES displays a user's risk profile against the scheme's riskometer as part of Mutual Fund information. Certain guidelines are provided for a user with a particular risk profile vs. the risk of that Mutual Fund. This mapping is purely indicative, and RAM GAIKWAD FINANCIAL SERVICES is not responsible for the outcomes of any investment or redemption decisions made based on these guidelines. Mutual Fund Investments are subject to market risks, and users should read the scheme-related documents carefully before investing. Past performance is not an indicator of future returns.

8. Recommended date for Investment (in SIP mode)

RAM GAIKWAD FINANCIAL SERVICES recommends a date for systematic investment plan (SIP) to its users for some Mutual Funds based on the last 12-month performance of the Fund. This is a purely indicative number, and RAM GAIKWAD FINANCIAL SERVICES takes no responsibility for the underlying data received from third-party vendors. Users are not expected to base their decisions on the data showcased.

9. Holdings / Sectors / Instruments / Debt

The information displayed on the RAM GAIKWAD FINANCIAL SERVICES app or website regarding mutual fund holdings is obtained from third-party vendors, and RAM GAIKWAD FINANCIAL SERVICES does not have control or authority over the accuracy of the data. The data presented is either obtained directly from third-party vendors or derived from it. While RAM GAIKWAD FINANCIAL SERVICES will make an effort to provide the most up-to-date information, it is not responsible for the correctness, relevance, or timeliness of the data. Users are advised to use their discretion when investing.

10. KYC / Investment Readiness

The user acknowledges that opening an account is subject to providing accurate, complete, and correct information for KYC verification in accordance with applicable regulations. RAM GAIKWAD FINANCIAL SERVICES will collect all necessary information from the user for KYC verification and investment readiness. During the investment process, this KYC information will be transmitted to KRA and/or CERSAI. RAM GAIKWAD FINANCIAL SERVICES is not responsible for any delays in processing KYC requests from third-party agencies. Additionally, RAM GAIKWAD FINANCIAL SERVICES has no control over the acceptance or rejection of KYC information or the timelines for updating it.

The user agrees to provide the correct documentation and information as listed in the app for the Investment Readiness process. The user acknowledges that failure to provide the required documentation and information may result in RAM GAIKWAD FINANCIAL SERVICES or KRA or CERSAI or AMC/RTA rejecting their KYC. The user also agrees that RAM GAIKWAD FINANCIAL SERVICES has the right to reject a KYC application for any reason, including but not limited to erroneous, incomplete, or misleading information provided by the user or noncompliance with KYC norms of SEBI as per regulations, without assigning any reason. RAM GAIKWAD FINANCIAL SERVICES or AMC/RTA may request additional details for complete due diligence of the user as required by regulations or requested by CERSAI/KRA/AMC/RTA/UIDAI or any other governing agency.

11. PAN Card Check

The user agrees to provide accurate, complete, and correct PAN Card details, and understands that opening an account is subject to the accuracy of the PAN information provided. PAN validation will be performed using the IT department's PAN database. RAM GAIKWAD FINANCIAL SERVICES is not responsible for any PAN rejections due to PAN unavailability or status of PAN in the IT department database.

12. IPV / Photo

RAM GAIKWAD FINANCIAL SERVICES will use the photo and video of the user for in-person verification required for KYC verification, as mandated by regulations. The user agrees to provide the correct documentation and information to RAM GAIKWAD FINANCIAL SERVICES for the purpose of in-person verification. The user understands and agrees that failure to provide the required information for IPV or correct information will result in RAM GAIKWAD FINANCIAL SERVICES rejecting their KYC.

13. Personal Info

Personal information provided by the user will be used by RAM GAIKWAD FINANCIAL SERVICES to open the user's account on RAM GAIKWAD FINANCIAL SERVICES, process the user's KYC, and make the user investment-ready (Account Opening Form, Nominations, Declarations, and FATCA), and will be shared with other partners such as AMCs and RTAs in accordance with regulations. The user is responsible for providing correct personal information that matches the supporting documents or information provided for verification. The user agrees that the name in the account will be their name as per their PAN Card.

14. Bank Account Verification

RAM GAIKWAD FINANCIAL SERVICES verifies a user's Bank Account(s) by checking the Account Holder Name against the name provided in their KYC records. This may involve an automated integration with the user's bank or a manual check of details such as Account Holder Name or Account Number on documents like a Cancelled Cheque, Account Statement, Passbook, or Bank Letter. RAM GAIKWAD FINANCIAL SERVICES will not be liable for any changes in Bank Account ownership details after validation, unless the user specifies such changes, and it is the user's responsibility to keep their bank account details up-to-date.

15. Aadhaar Number

To comply with applicable regulations, RAM GAIKWAD FINANCIAL SERVICES will use UIDAI's services to facilitate the user's KYC process. The integration with UIDAI will provide reliable and accurate information, and the use of these services will be governed by UIDAI's terms and conditions. If there are any uncertainties or concerns, users are advised to verify with relevant authorities or obtain appropriate professional advice.

16. FATCA Declarations

Users must provide accurate FATCA declarations to invest on RAM GAIKWAD FINANCIAL SERVICES Platform. Currently, only Indian citizens who are tax residents of India can invest. The user is solely responsible for providing correct FATCA declarations, and RAM GAIKWAD FINANCIAL SERVICES will not be responsible for any actions taken by authorities in case of incorrect declarations.

17. Account Opening Forms

RAM GAIKWAD FINANCIAL SERVICES will generate the account opening form based on the user's KYC and investment readiness information and forward it to the relevant RTA in the required format. While RAM GAIKWAD FINANCIAL SERVICES makes an effort to collect and represent the user's information, it will not be responsible or have any control over any rejections made by AMCs or RTAs based on the information submitted by the user.

18. Communication Details

RAM GAIKWAD FINANCIAL SERVICES will share the user's communication details with AMCs/RTAs for transaction-related communication. The user is responsible for providing accurate email address and phone number to receive communication from RTA and AMCs. RAM GAIKWAD FINANCIAL SERVICES will not be responsible for non-receipt of communication due to incorrect communication details. While RAM GAIKWAD FINANCIAL SERVICES makes best effort to collect and represent your information, it is not responsible or has any control for any rejections made by AMCs or RTAs on basis of information shared and submitted by you.

19. Nominations

The user's nominees declared on RAM GAIKWAD FINANCIAL SERVICES will be mapped to all the folios created by the user across all AMCs invested through RAM GAIKWAD FINANCIAL SERVICES, unless modified by the user directly with the AMC or RTA. RAM GAIKWAD FINANCIAL SERVICES will not be responsible or have any control over any rejections made by AMCs or RTAs based on the information submitted by the user.

RAM GAIKWAD FINANCIAL SERVICES provides various value added services such as script wise Profit and Loss, Portfolio services, Corporate Action adjustment, Capital gain and Tax calculations etc., on best effort basis, to capital market clients who avail of mutual funds' execution or broking service or any other service that RAM GAIKWAD FINANCIAL SERVICES provides from time to time. While RAM GAIKWAD FINANCIAL SERVICES takes due care while providing these services. It is the responsibility of the client to check and verify the information / calculations of such value added services before acting on the same. RAM GAIKWAD FINANCIAL SERVICES would not be responsible for any error in the information/ calculations of the information provided under such value added services.

1. Portfolio Insights

In regards to portfolio insights, RAM GAIKWAD FINANCIAL SERVICES displays the portfolio holdings and their exposure to sectors/instruments/asset classes/stocks but does not provide any advice or warranty on future performance. Users should verify the accuracy of the information and can come up with their own insights.

2. Statements

Statements provided by RAM GAIKWAD FINANCIAL SERVICES are solely for informational purposes, and the recipient is responsible for any investment decisions made based on the information provided. The information contained in the statement(s) is updated based on information received from sources such as AMCs, RTAs, or third-party service providers.

The figures calculated based on historical returns are for representational purposes only and do not offer any guarantee on returns. The information relating to the Market Price / NAV of the schemes have been obtained from third party sources, which are believed to be reliable. RAM GAIKWAD FINANCIAL SERVICES does not warrant the accuracy, reasonableness and / or completeness of any information.

RAM GAIKWAD FINANCIAL SERVICES reserves the right to rectify discrepancies in the statement(s), if any, at any point of time. RAM GAIKWAD FINANCIAL SERVICES is authorized to engage and utilize services of third parties / vendors to prepare & send e-mail statement(s). RAM GAIKWAD FINANCIAL SERVICES is not responsible for any loss or delay in receipt of the statement(s).

3. Transaction History

Transaction history provided by RAM GAIKWAD FINANCIAL SERVICES may change over time and is dependent on third-party service providers. RAM GAIKWAD FINANCIAL SERVICES is not responsible for the accuracy or relevancy of the transactions presented.

4. Risk Manager / Profiling

The Risk Manager/Profiling service provided by RAM GAIKWAD FINANCIAL SERVICES is based on information presented by the user and their own discretion should be used in making any investment decisions.

Overall, RAM GAIKWAD FINANCIAL SERVICES makes no guarantees nor does it claim accuracy of the information provided under its value-added services and recommends that clients verify the information before making any investment decisions.

Payment Gateway provided by Exchange

RAM GAIKWAD FINANCIAL SERVICES employs a third-party payment gateway to facilitate money transfers, and completed transactions cannot be cancelled. The User must use their own bank account, or the transaction may be rejected. In case the credit is not visible in the User's account immediately after transferring funds through the instant payment gateway, the User must wait at least 24 hours for the funds to reflect in the account. RAM GAIKWAD FINANCIAL SERVICES does not accept cash or demand deposit as payment.

1. UPI

You can transfer funds using UPI. You may initiate the payment from our website/mobile application.

2. Bank Transfers - IMPS/RTGS/NEFT

RAM GAIKWAD FINANCIAL SERVICES utilizes exchange payment gateway services to provide users with bank transfer functionality. This involves sharing the user's bank account information with the payment gateway, which is done only after the user gives consent while enabling the Bank Transfers feature. This enhances the user's experience and enables RAM GAIKWAD FINANCIAL SERVICES to verify the funds transferred by the user from their registered bank accounts.

If the bank account used to transfer funds is not registered with Ghanshyam Investmentsor does not belong to the user, the Payment Gateway provider will initiate a refund on the same day, subject to credit realization. The turnaround time for payment gateways and banks can vary up to 7-10 working days.

3. Net Banking

Users can use the net banking facility to transfer funds, which can be initiated through RAM GAIKWAD FINANCIAL SERVICES's app/website. It is advisable for users to use their own Net Banking Account while transferring funds. RAM GAIKWAD FINANCIAL SERVICES shall not be responsible for any failed or pending transactions or fraudulent use of Net-banking in any way. Any fraudulent transaction or attempt shall be subject to legal action under the relevant section of the Indian Penal Code (IPC). In case of a failed transaction, the user may be charged by their bank, and RAM GAIKWAD FINANCIAL SERVICES shall not be liable for any such charges.

4. Mandates

RAM GAIKWAD FINANCIAL SERVICES offers different recurring payment options through mandates, which are applicable to all products provided by the company. Only verified bank accounts are registered for bank mandates. RAM GAIKWAD FINANCIAL SERVICES is not responsible for failed or pending transactions resulting from approved mandates. If there are any modifications in account details or a closed account, users are responsible for updating the mandates. Users must abide by the disclaimers and terms and conditions of third-party service providers and payment gateway disclaimers. Although RAM GAIKWAD FINANCIAL SERVICES takes reasonable care to protect against unauthorized data use, the company cannot guarantee that using its services will not lead to data theft or unauthorized use. Users are responsible for ensuring the transaction's success and accept the risk and responsibility by agreeing to these terms and conditions.

1. Financial Transactions

RAM GAIKWAD FINANCIAL SERVICES endeavors to process transaction requests for Mutual Funds to the best of its ability. The requests will be processed according to the business rules and cut-off times in effect. However, RAM GAIKWAD FINANCIAL SERVICES cannot guarantee the processing of these requests in the event of system failures on its end. If any system failure occurs with the RTA/AMC/Payment Gateway Provider/Bank, RAM GAIKWAD FINANCIAL SERVICES and its users will rely on the fallback provided by the respective service provider. This disclaimer must be read in conjunction with payment settlements. Users acknowledge that RAM GAIKWAD FINANCIAL SERVICES serves as an intermediary for facilitating financial transactions and is subject to the capabilities and timelines of AMCs/RTAs/Payment Service Providers/Banks involved in the said transactions.

2. Non-Financial Transactions

For Mutual Funds, RAM GAIKWAD FINANCIAL SERVICES will make a best effort to send the transaction request to the RTA (acting on behalf of the respective AMCs). The processing of the request will be handled according to the existing business rules at the RTA. If there are any system failures at RAM GAIKWAD FINANCIAL SERVICES, we will endeavor to process the request as soon as possible but we cannot guarantee this. In case of system failures at the RTA, RAM GAIKWAD FINANCIAL SERVICES and its users will rely on the fallback provided by the RTA. Users should note that RAM GAIKWAD FINANCIAL SERVICES acts as an intermediary between the user and the AMC for the purpose of facilitating Non-Financial Transactions. RAM GAIKWAD FINANCIAL SERVICES is limited by the capabilities and timelines provided by the AMCs / RTAs for such non-financial transactions.

3. RTA

For Mutual Funds, RAM GAIKWAD FINANCIAL SERVICES will provide transaction data to each RTA (on behalf of respective AMCs) in a format agreed upon by both parties, and the transaction will be processed by the RTA according to existing business rules. Confirmation of each transaction's status will be received by RAM GAIKWAD FINANCIAL SERVICES from the RTA in a format mutually agreed upon with the RTA and AMC. Transaction processing time and business logic are beyond the control of RAM GAIKWAD FINANCIAL SERVICES.

The user understands that RAM GAIKWAD FINANCIAL SERVICES is only acting as a platform. User enters into a bilateral relationship with AMC / Mutual fund when he places and orders with the relevant AMC, or any entity acting as a collection agent on its behalf.

4. Settlements

The settlement to the respective bank account(s) is done by the Banks and Exchange Payment Gateway and will be done on a best effort basis as per their timelines. The applicable Net Asset Value (NAV) for the purchase of units of mutual fund will be subject to realisation and availability of funds in the bank account of AMC/Trustee before the applicable cut-off timings, as specified by AMFI/SEBI for Mutual Funds, regardless of the amount of investment, and according to the business logic at the corresponding RTA. The settlement for both lumpsum and SIP in Mutual Funds will be the same depending on the mode of payment.