Wealth India Financial Services Pvt. Ltd.

Terms and Conditions for

an Investment Services Account
Wealth India Financial Services Pvt. Ltd. (WIFS) is in the business of distribution of financial
products through its online technology platform. WIFS requests you to carefully go through these
Terms and Conditions (Terms & Conditions) to avail access to the distribution network of WIFS
through its online technology platform. By registering with WIFS, you irrevocably and
unconditionally accept all the obligations stipulated in the Terms & Conditions and agree to abide by
them. Accessing the distribution network of WIFS on its online technology platform through any
medium, including but not limited to the websites http://www.wealthindia.in and
http://www.fundsindia.com (WIFS Websites), on mobile phones and such other devices, is also
subject to these Terms & Conditions. These Terms & Conditions supersede all previous oral and
written terms and conditions (if any) communicated to you.
1. Services
I/We hereby agree to avail the service of access to the distribution network of WIFS through its
online technology platform for the purchase and redemptions of units of mutual funds listed on the
WIFS Websites by me/us, on the Terms & Conditions mentioned herein (the Services). I/We agree
that WIFS and / or the mutual fund may, at its sole discretion, vary the Terms & Conditions, or
withdraw any of the facilities provided herein from time to time. I/We, hereby, irrevocably and
unconditionally, grant my/our no objection to WIFS and the respective mutual funds to collate
transaction details relating to the investments in mutual fund units done by me/us on the online
technology platform of WIFS, and transmit such transaction data to the concerned Asset
Management Company (AMC) / mutual fund for further processing of my/our transactions.
2. Registration and transactions
Access to the distribution network of WIFS for the transactions of purchase, switch, and redemption
of mutual fund units will be granted by WIFS only to customers who have a registered Investments
Services Account (Registered Customers) with WIFS. I/We agree and acknowledge that the
Services provided herein are presently available in respect of select Mutual Funds only with whom
WIFS has entered into a separate arrangement. Registered Customers will be able to only purchase,
redeem, and switch mutual fund units through this service. I/We agree and understand that no
change of address, mobile number, email ID, and / or bank details can be allowed for such accounts,
unless a duly signed hard copy of such a written request is sent to the AMC / CAMS / POS for
signature verification and other formalities. I/We agree that any and / or all information that may be
provided by me/us to WIFS from time to time, including but not limited to contact information,
address and taxrelated information, or any other information required under existing or future KYC,
or other norms and laws, may be shared by WIFS with the mutual funds/AMCs, or their respective
authorized service providers, auditors, legal and tax consultants in compliance with the extant legal
provisions from time to time.
There may be an exit load applicable to certain mutual fund schemes. This is mentioned in the
respective offer documents, including the Scheme Information Document (SID) / Key Information
Memorandum (KIM) and addendums issued thereto from time to time (collectively referred to as
scheme related documents). I/We shall read all the scheme related documents before investing.
1
Wealth India Financial Services Pvt. Ltd., 3rd Floor, Uttam Building, No. 38 and 39,
Whites Road, Royapettah, Chennai - 600014, Tamil Nadu

Investments from persons from the United States of America (U.S.) and Canada may not be
permitted in certain mutual funds. WIFS/ AMCs/their respective trustee companies shall not be
liable for rejection of an application by mutual funds, where the investor is a U.S. person and/or a
Canadian person or such other prohibited investor as may be specified in the respective scheme
related documents from time to time.
Purchase requests made through WIFS online technology platform shall be processed by the
respective mutual funds/AMCs only after funds sufficient to cover the purchase price, and other
costs and charges have been received by the respective mutual funds/AMCs. Payments towards the
purchase price and other costs and charges shall be made by Registered Customers directly in the
name of the respective mutual fund scheme(s) through the payment gateway made available by
WIFS on the online technology platform. If, for any reason, the mutual fund is unable to allow a
transaction for purchase or redemption of the full quantity of units such as transacted by a
Registered Customer through the online technology platform of WIFS, the respective mutual
fund/AMCs shall be entitled to process a lesser quantity of units being purchased or redeemed (as
the case may be) by such Registered Customer. In such a case, neither WIFS nor the AMCs, or their
respective trustees shall be responsible for the nonexecution of transactions for the entire quantity
or the remaining quantity of units.
Transaction rights for Systematic Investment Plans (SIPs) will be pursuant to the Registered
Customer executing the instructions, in the manner and form as prescribed by WIFS and / or mutual
funds on the online technology platform from time to time. The instructions will be applicable to all
SIP transactions, whether presently existing, or to be opened in future. I/We agree that, upon
granting such instructions for SIP transactions, I/We will be bound by the terms of the relevant SIP
scheme of the mutual fund to which I/we subscribe.
I/We agree and acknowledge that any transaction done or purported to be done by me/us before
the cut-off time on a business day as may be intimated by WIFS to me/us from time to time, would
be processed on the same day. Any transactions done on the online technology platform of WIFS
after the prescribed cut-off time will be deemed to be received on the next working day and will be
processed accordingly.
I/We acknowledge that the units of the scheme shall be allotted, redeemed or switched, as the case
may be, by the respective mutual funds / AMCs at the applicable Net Asset Value (NAV) of the
concerned mutual fund scheme as specified by WIFS, in consistence with the terms of the scheme.
However, WIFS shall not be liable for any loss that may arise to me/us as a result of incorrect NAV
applied on units allotted to me/us by the mutual fund. I/We acknowledge that any transactions done
on a holiday would be processed on the next business day and the NAV would be applicable as per
the respective scheme related documents.
I/We acknowledge that transactions once placed cannot be cancelled.
I/We acknowledge that any application for redemption, purchase, or exchange, or any other
instruction must be correct, complete, clear, and unambiguous in all respects, and should conform
to the prescribed procedure/documentation and regulatory requirements, failing which, WIFS / the
AMC reserve the right to reject the same, and in such a case, WIFS / the AMC / the trustee shall not
be responsible for any consequence arising therefrom.
I/We have read and understood the contents of the scheme related documents and the details of
the scheme, and I/we have not received or been induced by any rebate or gifts, directly or indirectly,
2
Wealth India Financial Services Pvt. Ltd., 3rd Floor, Uttam Building, No. 38 and 39,
Whites Road, Royapettah, Chennai - 600014, Tamil Nadu

in making investments. I/We hereby declare that the amount invested/to be invested by me/us in
the scheme(s) of the mutual fund is derived through legitimate sources and is not held or designed
for the purpose of contravention of any act, rules, regulations, or any statute or legislation, or any
other applicable laws or any notifications, or directions issued by any governmental or statutory
authority from time to time.
The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any
other mode), payable to him for the different competing schemes of various mutual funds from
amongst which the scheme is being recommended to me/us.
3. No objection to WIFS
I/We grant my/our no objection to WIFS to do or perform upon my/our placing of transaction
requests on the online technology platform of WIFS and at my/our risk and cost, all or any of the
following acts, deeds, matters and things:
a. To forward my transaction data and requests to the respective mutual funds/AMCs with
respect to my instructions and orders of sale, purchase, transfer, splitting, and consolidation
of mutual funds units.
b. To transmit to the mutual fund and/or the corresponding AMC, information relating to
my/our nomination / changes in investment plan / any other changes made through the
online platform.
c. To obtain and forward to the AMC/its Authorized Registrar my/our information as available
in the KYC records, including my signature. I/We agree that such records may be used by the
AMC/Authorised Registrar for authorizing the transactions that may be submitted by me/us
in physical/offline mode
d. To contact me/us regarding matters pertaining to the operation of my account including, but
not limited to, servicing of my requests, communication of special offers, new product
launches, and product recommendations. This consent will override any registration for DNC
/ NDNC.
4. Multiple Investors in a Single WIFS User Account
I/We acknowledge that for a single WIFS User Account (Account), I/we can add multiple investors
for separate transactions in different mutual fund schemes, subject to applicable KYC norms for such
additional investors. I/We agree that if I am/we are the account holder, I/we must specify the name
of investor(s) for every transaction performed in the Account. When I/we are adding such
additional investor(s) to my/our Account, I/we acknowledge that, the additional investor(s) has
seen and accepted all the Terms and Conditions accepted by the account holder. If I am/we are
being added to an account as an additional investor, I/we acknowledge that I/we have seen and
accepted all the Terms and Conditions accepted by the account holder.
I/We further acknowledge that if a transaction is performed from an Account with an additional
investor(s) in such an Account, such transaction will be deemed to be made jointly with the
additional investor(s) and will be binding on such additional investor(s).
I/We agree that all transactions made with regard to the Account will be binding on all investors
mentioned in such Account/transactions, as the case may be.
3
Wealth India Financial Services Pvt. Ltd., 3rd Floor, Uttam Building, No. 38 and 39,
Whites Road, Royapettah, Chennai - 600014, Tamil Nadu

5. Communication of instructions
In the event an Account has multiple investors mentioned in such Account, I/we acknowledge that
all instructions (including instructions for modification of this clause) shall be given only by the first
holder of such an Account, on behalf of both/all of us. All instructions given by the first holder above
shall be binding on both/all as if given by each of us personally. I/We agree that the instructions may
be for the purchase of units in the sole name of the first holder, or in the name of the first holder
jointly with another person to the exclusion of the second or the third holder. I/We hereby authorize
WIFS/AMCs to process and transmit such instructions given from time to time in relation to my/our
transactions to the respective mutual funds/AMCs.
The transactions for purchase or redemption of units may be done through the online method as
required by WIFS. I/We agree that WIFS/AMC reserves the right to remove or add any method of
making instructions for purchase or redemption of the units at any time at WIFS/AMCs discretion.
I/We agree that WIFS/AMC shall always have the right to change the modes of instructions for
purchase, switch, or redemption of units.
I/We agree and acknowledge that units purchased by giving instructions through any of the above
modes will be deemed to be accepted for redemptions through the same mode only.
WIFS may refuse to transmit transaction data for clients unless they are given in a manner and form
acceptable to WIFS and in accordance with WIFSs right to verify such transactions. However, WIFS
shall have no responsibility to determine the authenticity of any transactions done or purported to
be done by me/us. I/We shall not hold WIFS liable on account of WIFS acting in good faith on any
of/our transactions done or purported to be done by me/us.
The mutual funds/AMCs may, at its discretion, not give effect to my/our transactions where the
mutual fund/AMCs/WIFS have reason to believe (which decision of mutual fund / AMCs /WIFS I/We
shall not question or dispute) that the transactions are not genuine or are otherwise improper,
ambiguous or unclear or raise a doubt. WIFS/AMC/mutual fund/trustee of the AMC shall not be
liable for any losses including, but not limited to, the loss of any opportunity costs incurred by
me/us, if any, transactions are not carried out for any reasons whatsoever.
I/We agree to indemnify WIFS, AMC, trustees to the AMC, its respective officers, directors,
employees, and agents against any improper/ fraudulent transactions, improper/fraudulent fund
transfer transactions done or purported to be done by me/us on the online technology platform /
payment gateway provided by WIFS. WIFS/AMC shall not be obliged to accept from me/us any oral
instructions for carrying out any transactions in mutual fund units. Further WIFS, AMC, trustees to
the AMC, its respective officers, employees, and agents shall be indemnified for and held free and
harmless from and against any and all costs, claims, losses or liabilities of any nature (direct or
indirect) resulting from the act of purchase, redemption, or switch of mutual fund units, together
with any and all attendant costs and expenses including reasonable legal fees and expenses, that
WIFS, AMC, trustees to the AMC, its respective officers, employees, and agents may incur or be
subject to, in relation to the transactions conducted by me/us on the online technology platform of
WIFS. I/We also acknowledge that the security and the control provided by WIFS are designed to
verify the source of communication, and not to detect errors in transmission or content including
discrepancies between names on the account numbers, and that WIFS, or any intermediary, may
transmit data or take requisite action by referring to the account number only, even if the name on
the account is also provided. Nothing contained herein shall require WIFS to violate any applicable
4
Wealth India Financial Services Pvt. Ltd., 3rd Floor, Uttam Building, No. 38 and 39,
Whites Road, Royapettah, Chennai - 600014, Tamil Nadu

laws, rules or the procedures/ instructions. WIFS shall have no duty to verify the content of any
transactions, instructions and communication, whether or not authorized, sent in its name and
accepted by WIFS. WIFS will collate and transmit the transaction data and other details as it is
received and stored on its servers, and will not validate the same for holdings, correctness of
transaction and any other information.
6. Holding pattern and customer details
I/We acknowledge and agree that the WIFS holding pattern of the Registered Customer, as reflected
in the WIFS system, is deemed to be the WIFS Account holding pattern of the account
holder/investor(s).
I/We also agree there will be no changes allowed in the holding pattern of the investors associated
with the Account once the Account is activated.
I/We agree that once an investment is made using the holding pattern, I/We will not be allowed to
change the holding pattern for the subscriptions.
The other requisite data (which is not part of the form) required to be reported to AMC / authorized
registrar of the AMC will be extracted from the Account details maintained for the First holder. The
mode of holding in all customer joint accounts is treated as Anyone or Survivor.
7. Statement of account
I/We agree and acknowledge that it shall be the obligation of the AMC, and not of WIFS, to regularly
send to the Registered Customer (only to the first holder in cause of multiple / joint holdings) such
communications as required under SEBI regulations.
8. Charges and fees
While currently, the Services offered by WIFS are free of transaction charges, I/we acknowledge that
WIFS reserves the right to charge fees in the future for its Services, or for any other services offered
by WIFS. Any such changes will be communicated by WIFS via email 14 days ahead of
implementation, and will be displayed on WIFS Websites. Under such circumstances, I/we
understand that I/we will be allowed to transfer our assets out of my/our Account without incurring
any costs payable to WIFS.
I/We agree and understand that any such charges/fees that WIFS may choose to levy will be in
addition to those levied by the AMCs, if any. All fees, charges, and reimbursement of expenditure
shall be paid or made in full by me / us without any counter claim, set off, or withholding. All
liabilities and obligations of the Registered Customer hereunder to WIFS/mutual
fund/AMCs/trustees of the AMC shall be joint and/or several, as the case may be.
9. Third party risk
WIFS shall not be liable for any loss or damage caused by reason of failures or delay of the mutual
fund to deliver any units purchased, even though payments have been made for the same, or failure
or delay in making payment in respect of any units sold, though they may have been delivered. I/We
shall hold WIFS harmless and free from any claim in respect thereof. WIFS shall also not be liable for
any delay, failure, or refusal of the mutual fund in registering or transferring units to my/our names
or for any interest, dividend, or other loss caused to me/us arising therefrom.
5
Wealth India Financial Services Pvt. Ltd., 3rd Floor, Uttam Building, No. 38 and 39,
Whites Road, Royapettah, Chennai - 600014, Tamil Nadu

In such instances of third party claims, the AMC/mutual fund/trustees to the mutual fund shall be
liable for failure/delay only where such claims/losses arise due to a reason entirely attributable to an
error or gross negligence of the AMC. In no event shall the AMC/mutual fund/trustees to the mutual
fund be liable for losses/claims arising due to force majeure reasons beyond the reasonable control
of the AMC/mutual fund.
10. Liability of WIFS
WIFS shall not, in absence of gross negligence on the part of WIFS, be liable to me/us for any act,
omission, or delay by the mutual fund, or for any claims which I/we may suffer or incur as a result of,
or in course of discharge by WIFS, or its employees, officers, directors, nominee, or agent of WIFS
duties.
Without prejudice to the above, WIFS shall not be held liable for any loss or damage or failure to
comply or delay in complying with its obligations under these Terms and Conditions which is caused
directly or indirectly by any event or circumstances beyond WIFS reasonable control. These include
system failure, network errors, delay, or loss of data due to the above, and in circumstances of acts
of God, floods, epidemics, quarantines, riots, civil commotion, and/or war. I/We further agree that
WIFS shall not be held liable for any losses, damages, expenses, costs, liabilities, and claims of
whatsoever nature caused by fraudulent or unauthorized use or access of my/our information,
and/or signatures. WIFS will be under no duty to verify compliance with any restrictions on my/our
investment powers.
WIFS will not be liable for any loss, damage, cost, charges, or expenses directly or indirectly caused
by reasons of any defects or imperfections or mechanical or other failure with relation to computer,
cable, telex, telephone, or postal system.
While WIFS will make every effort to have its computer systems available at all times, WIFS makes
no guarantees with respect to the availability of such systems. WIFS will make every effort to resolve
availability issues such as network problems, virus attacks, etc., in an expeditious manner.
Notwithstanding these, WIFS will as such not be liable for any loss, damage, cost, charges or
expenses directly or indirectly caused by reasons of lack of such availability.
11. Electronic payment gateway
I/we understand that funds transfer for purchase of units of mutual funds will be done by using an
Electronic Payment Gateway facility for net banking offered through a third party net banking
service provider registered with the Reserve Bank of India. I/we agree not to use or permit the use of
the payment gateway or any related services for any illegal or improper purposes.
I/We hereby acknowledge that I/we am/are utilizing the Electronic Payment Gateway at my/our risk.
I/We agree and understand that these risks would include but not be limited to the following risks,
and WIFS/AMC/trustees of the AMC, disclaim all liability and responsibility for any claims, losses,
damages, and costs of whatsoever nature arising due to such risks:
(a) Misuse of Password:
I/We acknowledge that if any third party obtains access to my password of the Investments Services
Account, such third party would be able to transact on WIFSs online technology platform. I/We shall
ensure that the Terms & Conditions applicable to the use of the Net Banking password as contained
in the Electronic Payment Gateway for Net Banking are complied with at all times.
6
Wealth India Financial Services Pvt. Ltd., 3rd Floor, Uttam Building, No. 38 and 39,
Whites Road, Royapettah, Chennai - 600014, Tamil Nadu

(b) Internet Frauds:

I/We understand that the internet per se is susceptible to a number of frauds, misuse, hacking, and
other actions, which could affect payment instructions given using Electronic Payment Gateway or
the transactions done using WIFSs online technology platform. Whilst WIFS shall aim to provide
security to prevent the same, there cannot be any guarantee against such internet frauds, hacking
and other actions. I/We shall separately evolve/evaluate all risks arising out of the same.
(c) Mistakes and Errors:
The filling in of applicable data for transfer would require proper, accurate, and complete details. In
the event of my/our account receiving an incorrect credit by reason of a mistake committed by any
third party, the concerned mutual fund/AMC or the bank shall be entitled to reverse the incorrect
credit at any time whatsoever without my/our consent. I/We shall be liable and responsible to WIFS/
concerned mutual fund/concerned AMC and accede to accept instructions without questions for any
unfair or unjust gain obtained by me/us as a result of the same.
(d) Technology Risks:
The technology for enabling the transfer of funds and the other services offered by the Electronic
Payment and WIFS could be affected by virus or other malicious, destructive, or corrupting code,
program, or macro. I/We understand that the site of WIFS or the bank may require maintenance,
and during such time, it may not be possible to process my/our request. This could result in delays in
the processing of transactions/payment instructions or failure in the processing of
transactions/payment instructions and other such failures and inability. I/We understand that WIFS
disclaims all and any liability, whether direct or indirect, whether arising out of loss of profit or
otherwise arising out of any failure or inability by WIFS/bank/mutual funds/AMCS to process any
transaction/payment instructions for whatsoever reason. I/We understand and accept that
WIFS/AMC/trustee company of the AMC/authorised registrars of the AMC shall not be responsible
for any of the aforesaid risks.
(e) Limits:
I/We are aware that WIFS may, from time to time, impose maximum and minimum limits on funds
that may be transferred by virtue of the payment transfer service given. I/We realize and accept and
agree that the same is to reduce my/our risks. I/We shall be bound by such limits imposed and shall
strictly comply with them.
(f) Indemnity:
I/We agree and undertake to indemnify WIFS/mutual funds/AMCs/trustees to the AMCs/authorized
registrar of the AMC from and against all losses and damages that may be caused as a consequence
of breach of any of the Electronic Payment Gateways for net banking, and the Terms & Conditions
mentioned herein above.
(g) Withdrawal of Facility:
WIFS shall be entitled to withdraw this service at any time without assigning any reason whatsoever.
(h) Binding nature of the above Terms & Conditions:

7
Wealth India Financial Services Pvt. Ltd., 3rd Floor, Uttam Building, No. 38 and 39,
Whites Road, Royapettah, Chennai - 600014, Tamil Nadu

I/We agree that by use of this facility, I/we shall be deemed to have agreed to all the above Terms &
Conditions and such Terms & Conditions shall be bound on me/us in the same manner as if I/we
have agreed to the same in writing.
12. Role of WIFS
I/We expressly agree and acknowledge that any information contained in WIFS brochures or other
materials, or otherwise communicated by WIFS, shall not be construed by me/us as investment
advice and that all decisions to purchase or sell units made by me/us shall be on the basis of my/our
own personal judgment arrived at after due consideration. I/We understand and agree that WIFS
does not in any manner:
i.

Guarantee payments on any units; or

ii. Guarantee liquidity of any units; or

iii. Make any offer to buy back any units; or
iv. Guarantee the redemption or repayment of any units on maturity; or
v. Guarantee the payments of interest or dividend; or
vi. Promise, indicate, or guarantee any returns; or
vii. Guarantee any goods delivery.
I/We further understand and agree that WIFS does not in any manner:
i.

Subscribe to units of mutual funds on my/our behalf or in my/our name or collect payments
from me/us for the units so purchased by me/us for remitting it further to the AMCs; or

ii. Receive any account statement from mutual funds/AMCs, on my/our behalf or in my/our
name pertaining to the units; or
iii. Redeem/sell the units held by me/us on my/our behalf or in my/our name; or
iv. Unilaterally instruct the mutual fund and/or the corresponding AMCs with regards to
nomination/changes in investment plan/any other changes; or
v. Sign any document on my/our behalf or in my/our name for purchase, sale, or redemption
of units; or
vi. Collect, receive, and/or give receipts and discharges for any sum including dividend, interest,
or income arising from the units, and does not sign and/or endorse dividend and interest
warrants on my/our behalf or in my/our name; or
vii. Correspond with, or gives notice to the mutual fund/AMCs on my/our behalf, or in my/our
name, except for transmission of transactions done or purported to be done by me/us
on the online technology platform.
I/We understand and acknowledge that WIFS does not offer any advice, and nothing herein or on
the WIFS Website shall be construed as investment advice by me/us.
I/We understand that any sum invested through WIFS Investment Services Account is not a deposit
with WIFS and is not bank insured. The same is not endorsed or guaranteed, and does not constitute
8
Wealth India Financial Services Pvt. Ltd., 3rd Floor, Uttam Building, No. 38 and 39,
Whites Road, Royapettah, Chennai - 600014, Tamil Nadu

obligations of WIFS or any of the subsidiaries associates or affiliates companies whose role in only as
described in these Terms & Conditions. Investments in mutual fund are subject to investment risk,
including the possible loss of principal amount invested. The value of my/our units will fluctuate. If
I/we redeem my units/shares, I/we may receive more or less than I/we paid depending upon NAV of
the units in the fund or trust at the time of redemption. Past results are not a guarantee to future
performance. Past performance may or may not be sustained in the future.
13. Correspondence
Any notice or other correspondence addressed by WIFS to me/us may be addressed to the first
holder at the address given by me/us, or as may be intimated from time to time. If according to
me/us, there is any discrepancy in the particular or details of my transaction or Account statement,
then I/we shall be obliged to intimate the same to WIFS, and to the concerned mutual
fund/AMC/authorised registrar of the AMC in writing within 7 (seven) working days of the first
holder receiving notice thereof, failing which such transaction, statement or account (as the case
may be) shall be deemed to be correct and accepted by me/us, and I/we shall not be entitled to
question the correctness or accuracy thereof.
14. Use of WIFS websites
I/We acknowledge that in accessing and using the Services offered by WIFS, I/we may utilize the
content and services offered on WIFS Websites. I/We agree to follow Terms & Conditions for the
use of such WIFS Websites as may be specified on such WIFS Websites from time to time (WIFS
Website Terms). Notwithstanding such acceptance of the WIFS Website Terms, I/we agree to the
following:
i.

I/We agree that all information, content, materials, products (including, but not limited to
text, content, photographs, graphics, video and audio content) on WIFS Websites is
protected by copyright in favour of WIFS under applicable copyright laws, and is also
protected otherwise under general intellectual property law.

ii. I/We agree that all information submitted by me/us to WIFS, whether through WIFS
Websites or otherwise, shall be deemed to be the property of WIFS, and WIFS shall be
free to use any ideas, concepts, know how or techniques provided by me/us in WIFS
Websites, in any manner whatsoever.
iii. I/We agree not to copy, reproduce, sell, redistribute, publish, enter into a database, display,
perform, modify, transmit, license, create derivatives from, transfer, or in any way,
exploit any part of any information, content, materials, services available from or
through the WIFS Websites, except that which I/we may download for my/our own
personal, non commercial use.
iv. I/We agree that I/we will not use WIFS's Websites for any purpose that is unlawful, or
prohibited by these Terms & Conditions. I/We also agree that I/we will not use WIFS
Websites in any manner that could damage, disable or impair WIFS' Websites, or
interfere with any other persons use or enjoyment of WIFS Websites.
v. I/We agree that the software and hardware underlying WIFS Websites, as well as other
internet related software which are required for accessing the WIFS Website, are the
legal property of the respective Vendors. The permission given by WIFS to access WIFS
Websites will not convey any proprietary or ownership rights in the above software/
9
Wealth India Financial Services Pvt. Ltd., 3rd Floor, Uttam Building, No. 38 and 39,
Whites Road, Royapettah, Chennai - 600014, Tamil Nadu

hardware. I/We agree that I/we shall not attempt to modify, translate, disassemble,
decompile, or reverse engineer the software/hardware underlying WIFS Websites, or
create any derivative product based on the software /hardware.
vi. I/We agree that not all the products and services offered on WIFS Websites are available in
all geographic areas, and I/we may not be eligible for all the products or services offered
by WIFS on WIFS Websites. WIFS reserves the right to determine the availability and
eligibility for any product or service.
vii. I/We agree that WIFS/AMC is not responsible for the availability of content or other services
on third party sites linked from WIFS Websites. I/We are aware that access of hyperlinks
to other internet sites are at my/ our own risk and the content, accuracy, opinions
expressed, and other links provided by these sites are not verified, monitored, or
endorsed by WIFS in any way. WIFS does not make any warranties and expressly
disclaims all warranties, express or implied, including without limitation, those of
merchantability and fitness for a particular purpose, title or non infringement with
respect to any information or services or products that are available or advertised or
sold through these third party websites.
viii. I/We agree that WIFS has the absolute discretion to amend or supplement any of WIFS
Websites Terms & Conditions at any time, without prior notice for such changes. I/We
agree that the information and assistance provided on WIFS Websites are true to the
knowledge of WIFS, and should not be construed as investment advice, and that WIFS
shall have no liability for any discrepancy in any such information or assistance.
ix. I/We agree that an Account may be created offline, without accessing WIFS Websites. In the
event I/we create an Investment Services Account offline, I/we understand and
acknowledge that these Terms & Conditions, and the Terms & Conditions of the use of
WIFS Websites will continue to be applicable to me/us for the use of Services.
15. Customer Information
I/We agree to provide any and all information that may be required by WIFS/AMC/authorised
service providers of the AMC from time to time in compliance with existing legal norms and
regulations, including but not limited to contact information, address and taxrelated information,
and any information required under existing or future KYC norms and laws. I/We agree that
WIFS/AMC/authorized service providers of the AMC may take steps to verify the veracity of such
information provided by me/us, and I/we agree to cooperate with WIFS/AMC/authorized service
providers of the AMC in providing all information requested by WIFS. I/We acknowledge that failure
to provide such information in a timely manner may result in my/our ineligibility to avail of some, or
all of the services of WIFS, and that WIFS/AMC/Trustees of AMC shall in no way be held liable for any
losses of whatsoever nature resulting from such failure to provide information on my/our part. I/We
agree that any information provided by me/us may be required to be shared with relevant
regulatory / statutory authorities and I/we authorise WIFS to provide all information to such
regulatory / statutory authorities as and when required.
16. Termination
WIFS may terminate its Services by giving 30 days prior notice in writing to the Registered
Customer, provided that the Registered Customer shall not be relieved of obligations hereunder
10
Wealth India Financial Services Pvt. Ltd., 3rd Floor, Uttam Building, No. 38 and 39,
Whites Road, Royapettah, Chennai - 600014, Tamil Nadu

notwithstanding such termination incurred prior to the date on which such termination shall
become effective.
17. Governing Law and Jurisdiction Clause
All disputes and differences arising out of, under, or in connection with these Terms & Conditions, or
anything done hereunder, shall be within the exclusive jurisdiction of the courts of Chennai. These
Terms & Conditions are subject to and shall be construed in accordance with the laws prevalent in
India.

11
Wealth India Financial Services Pvt. Ltd., 3rd Floor, Uttam Building, No. 38 and 39,
Whites Road, Royapettah, Chennai - 600014, Tamil Nadu