1. Introduction
These Terms and Conditions ("Terms") govern your use of the financial advisory services provided by Gowrisankar R, an AMFI Registered Mutual Fund Distributor (ARN-164506). By accessing our services, website, or engaging with us for financial advisory services, you agree to be bound by these Terms.
2. About Our Services
We provide financial advisory services including but not limited to:
- Financial Assessment and Planning
- Retirement Planning and Assessment
- Child Future Planning
- Portfolio Review and Management
- NRI Investment Advisory
- Mutual Fund Distribution (Debt, Equity, ELSS)
- Insurance Advisory (Life, Health, General)
- Wealth Management Services
3. Registration and Eligibility
3.1 Eligibility
To use our services, you must:
- Be at least 18 years of age
- Be legally capable of entering into contracts
- Provide accurate and complete information
- Comply with all applicable laws and regulations
3.2 KYC Requirements
As per regulatory requirements, you must complete KYC (Know Your Customer) procedures before investing in mutual funds or purchasing insurance products. This includes providing valid PAN, Aadhaar, and other required documents.
4. Investment Advisory Services
4.1 Nature of Services
Our advisory services are based on your financial situation, investment objectives, and risk profile. All recommendations are provided in good faith based on available information and market conditions at the time of advice.
4.2 No Guarantee of Returns
IMPORTANT: We do not guarantee any returns on investments. All investments in mutual funds and other financial products are subject to market risks. Past performance is not indicative of future results. The value of investments may go up or down, and you may lose your principal amount.
4.3 Your Investment Decisions
You are solely responsible for your investment decisions. While we provide advisory services, the final decision to invest rests with you. You should carefully read all scheme-related documents, including offer documents, before making any investment.
5. Mutual Fund Investments
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Key points to understand:
- Mutual funds are subject to market volatility and may not provide guaranteed returns
- Different types of funds (Debt, Equity, ELSS) carry different risk levels
- NAV (Net Asset Value) of mutual funds may fluctuate based on market conditions
- Exit loads and other charges may apply as per the scheme documents
- Tax implications vary based on the type of fund and holding period
6. Insurance Products
When purchasing insurance products through us:
- You must provide accurate health and personal information
- Policy terms and conditions are governed by the insurance company
- Claims are subject to policy terms and insurance company approval
- Premiums and coverage are as per the insurance company's terms
7. Fees and Charges
Our advisory services may be subject to:
- Distribution fees as per AMFI regulations for mutual fund investments
- Advisory fees for portfolio management and financial planning services
- Any applicable taxes on services provided
All fees and charges will be disclosed to you before you commit to any service or investment.
8. Regulatory Compliance
We operate in compliance with:
- SEBI (Securities and Exchange Board of India) regulations
- AMFI (Association of Mutual Funds in India) guidelines
- IRDAI (Insurance Regulatory and Development Authority of India) regulations
- All applicable financial services laws and regulations
9. Limitation of Liability
To the maximum extent permitted by law:
- We are not liable for any losses arising from market fluctuations or investment decisions
- We are not responsible for delays or failures due to circumstances beyond our control
- Our liability is limited to the fees received for advisory services
- We are not liable for any indirect, consequential, or incidental damages
10. Intellectual Property
All content on our website, including text, graphics, logos, and materials, is the property of Gowrisankar R or our licensors and is protected by copyright and other intellectual property laws.
11. Privacy
Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
12. Prohibited Activities
You agree not to:
- Provide false or misleading information
- Use our services for any illegal or unauthorized purpose
- Attempt to gain unauthorized access to our systems
- Interfere with or disrupt our services
- Use our services to violate any applicable laws or regulations
13. Termination
We reserve the right to terminate or suspend your access to our services at any time, with or without cause or notice, for any reason including breach of these Terms.
14. Dispute Resolution
Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the courts in India. We encourage resolution through mutual discussion first.
15. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website. Your continued use of our services after such changes constitutes acceptance of the modified Terms.
16. Contact Information
For any questions, concerns, or clarifications regarding these Terms, please contact us:
Gowrisankar R
Personal Finance Specialist
AMFI ARN-164506
Email: info@wealthgowri.com
Phone: 9500189882
17. Acknowledgment
By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these Terms, please do not use our services.
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