1. AGREEMENT TO TERMS

1. These Terms and Conditions (“T&C”) constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”, “your”) and Funds Ve’daa (“we”, “us”, “our”), concerning your access to and use of the www.fundsvedaa.com website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, “the Website”). You agree that by accessing the Website, you have read, understood, and agree to be bound by all of these Terms and Conditions. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS AND CONDITIONS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.
2. Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these T&C at any time and for any reason. It is your responsibility to periodically review these T&C to stay informed of updates and you hereby agree to waive any right to receive specific notice of each such change. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised T&C by your continued use of the Website after the date such revised T&C are posted. 
3. The Website is intended for users who are at least eighteen (18) years old. By using this site, you represent and warrant to us that you are at least eighteen (18) years of age or above and are capable of agreeing and adhering to these T&C and that you agree to be bound by these T&C. While individuals under the age of eighteen (18) may utilize the services of the Website, they shall do so only with the involvement & guidance of their parents and/or legal guardians and under such parent/legal guardian's registered account.
4. In case of a corporation, trust, association of persons or a firm, you must be authorized to agree to the T&C and to access, use and avail of the services of the Website. If you are not authorized to do so, please do not access or use the Website.
5. This Website is intended for the use by resident Indians. The information provided on the Website is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Any person who is not a resident of India (“non-residents”) who choose to access the Website shall do so at their sole responsibility including agreeing that their use/access of the Website and/or availing any services offered on Website does not constitute a breach by them under applicable laws and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. You will be solely and absolutely liable for any liability incurred by you in India or in any other jurisdiction.

2. INTERPRETATION

1. “Website” means www.fundsvedaa.com and includes any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto.
2. “App” means a mobile application and includes Wealth e-Office Android & iOS application.
3. “User” means, any person using or accessing the Website, whether personally or on behalf of any other person or entity.
4. “SEBI” means the Securities & Exchange Board of India.
5. “AMC" means an asset management company registered with the SEBI.
6. “KYC” shall mean all requirements with respect to KYC Registration Agency as per the SEBI KYC (Know Your Client) Registration Agency Regulations, 2011 and/or the SEBI Master Circular along with SEBI Circular on e-KYC and all other circulars issued from time to time by SEBI or any other agency that are required to be complied with.
7. “Offer Documents” shall mean the Statement of Additional Information, Scheme Information Document, Key Information Memorandum and addenda issued from time to time by AMC.
8. “Privacy Policy” shall mean the privacy policy published on the Website as updated from time to time, which is currently available at https://www.fundsvedaa.com/privacy_statement.php.
9. “Laws” shall mean all laws, ordinance, statutes, rules, orders, decrees, injunctions, licences, permits, approvals, authorisations, consents, waivers, privileges, agreements and regulations of any Governmental authority having jurisdiction over the relevant matter as such which are in effect as of the date hereof or as may be amended, modified, enacted or revoked from time to time hereafter.

3. General Terms of Use:

By agreeing to the Terms & Conditions, the User agrees to and/or declares the following –

1. The User agrees to provide all the necessary information and documents to Funds Ve’daa so as to enable Funds Ve’daa to complete the User's Know Your Client (KYC) verification with a KYC Registration Agency (KRA), registered under the Securities and Exchange Board of India (KYC Registration Agency) Regulations, 2011, including EKYC or CKYC or any other process as specified in SEBI/AMFI circulars from time to time. Such KYC verification is required to comply with the SEBI Master Circular dated July 04, 2018 issued on Guidelines on Anti-Money Laundering Standards and Combating the Financing of Terrorism /Obligations of Securities Market Intermediaries under the Prevention of Money Laundering Act, 2002 and rules framed there under (as amended from time to time) and any other circulars issued thereunder by SEBI/AMFI. The User also agrees to update the changes, if any, in the aforesaid information in the records of the KRA and inform Funds Ve’daa on an immediate basis.
2. That the User has read and understood the contents of the offer documents like Scheme Information Document, Statement of Additional Information, Key Information Memorandum, Instructions, etc. and agrees to abide by the terms and conditions, rules and regulations of the Mutual Fund/Scheme and online facility in which User decides to invest.
3. The User confirms that in the event the User or the person(s) on whose behalf the investment is being made is/are non-resident Indian(s) or overseas citizen(s) of India, that funds are remitted from abroad through approved banking channels or from the NRE / NRO / FCNR Account and compliance with FATCA Rules has been adhered to.
4. That all payments would be made through legitimate sources and channels and would be in compliance with the policies and guidelines laid down by RBI, NPCI, SEBI. The payments would be made through his/her own Bank Account only and in case of a joint Bank Account the User shall be one of the holders of such Bank Account and should also be authorized by the other Bank Account holder for making such purchase.
5. That 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 or any other regulatory body from time to time.
6. The User confirms that the all details provided by him / her are true and correct and will produce any documents /undertaking as may be required by Funds Ve’daa/AMC/Registrar and Transfer Agents (RTA) for verification.
7. The User acknowledges and agrees that in the event the AMC may at its sole discretion discontinue providing information in relation to transactions by the User in mutual fund scheme through Website to Funds Ve’daa then the User will directly contact/coordinate with AMC and submit transactions through other modes of transactions as permitted by the AMC.
8. The User hereby confirms that the AMC is not privy to any arrangement or agreement that the User may have with Funds Ve’daa and Funds Ve’daa shall promptly intimate the termination of such agreement or arrangement to the AMC. On getting the intimation as provided above, the concerned AMC will discontinue sharing of the information with Funds Ve’daa.
9. The User confirms that the AMC/Funds Ve’daa/RTA shall, at its sole discretion, hold an unfettered right to reject any application/transaction by the User in mutual fund scheme through Website/App where any data, information, document and/or detail provided by the User is determined to be discrepant, inaccurate, false, incomplete or erroneous, misleading, incorrect, ambiguous, and Cancel allotment of Units and refund the amount or in case Units have been allotted, freeze the folio or redeem the Units at applicable NAV without any liability or responsibility for any loss or damages suffered by the User of any nature. The User also agrees that the decision of the AMC in such a situation shall be final and binding on the User.
10. The User agrees that in case the User has entered wrong/third party bank details at the time of signup, the User shall co-operate with AMC/Funds Ve’daa/RTA to provide incremental details as may be required by AMC/ Funds Ve’daa/RTA to complete the verification otherwise the transaction is liable to be rejected by AMC/Funds Ve’daa/RTA and the AMC/Funds Ve’daa/RTA shall not be responsible for any loss or damages suffered by the User of any nature.
11. The User allows Funds Ve’daa to collect Personal Information and/or Sensitive Personal Information [as defined under Information Technology Act, 2000 read with Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011] for the purpose for which it has been authorised to collect such information; and Funds Ve’daa or the concerned AMC/RTA to use such Personal Information and/or Sensitive Personal information.
12. The User hereby allows Funds Ve’daa to provide electronic confirmation feeds to the AMC regarding acceptance of the Terms and Conditions by the User for doing online electronic transaction and such other confirmation/document/details as may be required by the AMC from time to time relating to the User as may be required under applicable laws.
13. We may engage with third parties to promote our product and services through their platforms. If the User accesses our Website through such platforms, he/she will be subject to the terms and conditions set out herein. The User agrees and acknowledges that all transactions would be done through our Execution platform and such third parties shall not be responsible for rendering of the services provided or to be provided by Fund Ve’daa.
14. The User authorizes Funds Ve’daa to share his / her Signatures with Mutual Fund, AMC, RTAs and the Trustees, available on the records of the KRA or CKYC for authenticating and processing of requests.
15. The User hereby authorizes Funds Ve’daa, its representatives and agents to provide Promotional information about various products, offers and services provided by them or their group companies through any mode including telephone calls, emails, SMS, letters etc. and you confirm that laws in relation to unsolicited communication referred to in "National Do Not Call Registry" as laid down by the Telecom Regulatory Authority of India (TRAI) will not be applicable in relation to such information/ communication.
16. The User hereby gives consent to the concerned AMC for bona fide sharing of information with Funds Ve’daa, in any manner, about any transaction by the User in the mutual fund schemes related to that AMC and acknowledges that Funds Ve’daa would be privy to the transaction information.
17. The User understands and acknowledges that while making an investment through Funds Ve’daa, the investment amount directly goes to AMC's bank account and at no time does Funds Ve’daa receive any amount invested by the user. Similarly, in case of redemption of an investment, the amount would be transferred directly to the bank account linked to that scheme as provided by the user. Therefore, in the event of any failure in payment/redemption or in the event of any fraud at the payment gateway's end or the bank's end at the time of making such payment or receiving the redemption amount, Funds Ve’daa shall not be liable for claims/damages of any nature.

4. Refund/Cancellation Policy

1. Transactions will be completed only after successful transfer of money from the registered Bank account of the User.
2. Transactions once completed cannot be cancelled.
3. In case of successful transfer of money but failure of investment transaction, the refund of money would be made by AMC/Bank to the Registered Bank Account of the User. The refund is usually processed within 7 Working days. Funds Ve’daa would assist the User but does not guarantee the refund as it is subject to the contract between the User and the AMC.

5. Prospectus/Offer Document/Scheme Document

1. For information regarding a fund's investment objectives, load, expenses and risk considerations, please download the offer document/scheme document.
2. Please read the offer document of relevant mutual fund scheme carefully before investing.
3. Your investment is subject to the terms and conditions laid out in the offer document. These terms and conditions are laid down by the AMC and Funds Ve’daa would not have any liability in case of any breach of terms or conditions by the AMC or the User.

6. Risk Factors

1. Investments in mutual funds and securities are subject to market risks and the NAV of the schemes may fluctuate depending upon the factors and forces affecting the securities market including inter alia fluctuations in the interest rates. There can be no guarantee that a scheme's investment objectives will be achieved. All dividend distributions are subject to the investment performance of the schemes. The investments made by the schemes are subject to external risks. The User shall consider the performance track record of the scheme before making investment in any scheme.
2. The Website/App is not intended to provide any tax, legal, insurance or investment advice, and nothing on the Website/App should be construed as a recommendation, by Funds Ve’daa or any third party, to acquire or dispose of any investment or security, or to engage in any investment transaction.
3. The Website/App is an online platform provided by Funds Ve’daa which lists regular plans of schemes of various mutual funds and enables Users to transact in such schemes.
4. It is clarified that under regular plan, the User shall not be charged any fee by the Funds Ve’daa for transactions executed through the Website/App although Funds Ve’daa may receive commission/brokerage, towards the investment in regular plans, from the AMCs.
5. Except as otherwise specified, the User alone is solely responsible for determining whether any investment, security or any other product or service, is appropriate or suitable for the User based on the investment objectives, risk profile and personal financial situation.
6. User confirms us that he / she has requisite knowledge and experience to understand the risks involved in making an investment into a scheme and has the ability to bear such investment related risk and user should consult a legal or tax professional regarding specific legal or tax queries.
7. Access and use of the Website/App is entirely at your own risk. The Website/App, including any content or information on it, any related or linked site, products and services displayed, provided, availed of, licensed or purchased on, through or via the Website/App are provided "as is," without any representation or warranty/Guarantee of any kind, either express or implied, including without limitation, any representation or warranty for accuracy, continuity, uninterrupted access, timeliness, sequence, quality, performance, fitness for any particular purpose or completeness, Specifically, Funds Ve’daa disclaims any and all warranties or guarantees, including, but not limited to –
   1. Any warranties concerning the availability, accuracy, usefulness, or correctness, currency or completeness of information, products or services and
   2. Any warranties of title, warranty of non-infringement, freedom from computer virus, warranties of merchantability or fitness for a particular purpose, other than those warranties which are incapable of exclusion, restriction or modification under the laws applicable to the Terms and Conditions.
8. Funds Ve’daa uses third party products/links which have not necessarily been screened or reviewed by Funds Ve’daa and shall not be liable or responsible for any content or other information on the Website/App or on websites/apps linked to or with Funds Vedaa. Funds Vedaa does not, in any way, certify or warrant the performance, operation, content or availability of the Website/App or such other websites/apps. Although Funds Ve’daa adopts security measures, which it considers appropriate for the Website/Apps, it does not assure or guarantee that no person will overcome or subvert the security measures and gain unauthorised access of the User ID or password or unauthorised transactions conducted by using the Online Facility to the Website/Apps.
9. Funds Ve’daa shall not be responsible or liable if any unauthorised person hacks into or gains access to the Website/Apps, or your accounts; and You shall be liable and responsible for the same. This disclaimer of liability applies also to any damage or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortuous behaviour, negligence, or under any other cause of action.
10. The information and views contained herein are based on information available and believed to be correct to the best of our knowledge. Although due care has been exercised to verify the accuracy of the information, neither Funds Ve’daa and its information suppliers assume responsibility for the accuracy or for any loss arising out of any information contained herein.
11. This is neither a solicitation to invest in any product nor to avail of a particular service.
12. Funds Ve’daa does not warrant or make any representations regarding the use or the results of the use of any product, service in terms of its compatibility, correctness, accuracy, reliability or otherwise. You assume total responsibility and risk for your access and use of the Website/App, all site-related or app related services, products and services mentioned or advertised on or accessed or availed on or through the Website/App. You acknowledge that any warranty that is provided in connection with any of the products or services described on the Website/App are provided solely by the owner, advertiser, manufacturer, provider or supplier of that product or service, and not by Funds Vedaa or the Website/App. Funds Vedaa operates and offers the Website/App strictly on a no-liability basis and Funds Vedaa shall not be liable to You or any other third party for any direct, indirect, incidental, special, exemplary, punitive, consequential or other damages (including without limitation loss of profits, loss or corruption of data, loss of goodwill, work stoppage, computer failure or malfunction, or interruption of business) under any contract, negligence, strict liability or other law or theory arising out of or in connection with the Website/App, products or services mentioned or advertised on or accessed or availed on or through the Website/App or any contract or transaction entered into or executed in pursuance thereof (however arising, including negligence) or resulting from the use of or inability to use, access or avail of the Website/App, any service or product or out of any breach of any warranty. Under no circumstances shall Funds Vedaa be liable for any damages whatsoever whether such damages are direct, indirect, incidental consequential and irrespective of whether any claim is based on loss of revenue, investment, production, goodwill, profit, interruption of business or any other loss of any character or nature whatsoever and whether sustained by You or any other person.
13. If any disclaimers or limitation of liability in the Terms and Conditions are held to be unenforceable, the maximum liability of Funds Vedaa to You shall not exceed the amount of fees paid by You to Funds Ve’daa for products or services that You have ordered or availed of on or through the Website/App. Funds Ve’daa shall not be responsible for any inability to access the Website/App or any use or misuse of the Website/App.
14. Any search results displayed by or on the Website/App are automated and cannot be screened. Accordingly, Funds Ve’daa assumes no responsibility for the accuracy or otherwise of any search results or of the content of any site/app included in the search results or otherwise linked to the Website/App.
15. Funds Ve’daa shall not be responsible for any unauthorised interception of e-mail to or from You or Funds Ve’daa.
16. To the extent possible, the disclaimers, limitations on liability and indemnities available to Funds Ve’daa under the Terms and Conditions shall mutates mutandis extend and be available also to the Redvision Tech Limited and its/ their respective directors, officers, employees, agents, successors, assigns, consultants, sponsors, affiliates, content providers and everyone involved in creating, producing, delivering or managing the Website/App (or any part thereof). However, this clause shall not protect the aforesaid Persons or extend to their obligations and liability to Funds Ve’daa and claims by Funds Ve’daa against them.
17. A possibility exists that the Website/App could include inaccuracies or errors. Additionally, a possibility exists that unauthorised additions, deletions or alterations could be made by third parties to the Website/App. Although Funds Ve’daa attempts to ensure the integrity of the Website/App, however it does not make any guarantee whatsoever as to its sequence, timeliness, completeness, correctness or accuracy. In the event that such an inaccuracy or incompleteness arises, please inform Funds Ve’daa so that it can be corrected.
18.  Links from the Website/App clicking on certain portions or links within the Website/App might take You to other websites or apps without any intimation or indication of doing or having done so. The linked websites or apps are not under the control of Funds Ve’daa and Funds Ve’daa assumes no responsibility whatsoever for such other websites or apps whether as to content, availability, performance or otherwise. Funds Ve’daa also does not represent or warrant that these links shall operate satisfactorily. Funds Ve’daa provides these links only as a convenience and links to external web sites do not constitute an endorsement by Funds Ve’daa of such other sites, the sponsors of such sites or the content, products, advertising or other materials presented on or by such sites. Funds Ve’daa shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the access or use of such other websites/apps or reliance on or availing of any content, goods or services available on such other sites. The links on the Website/App may take You to other sites or to other locations within the Website/App where the trading of securities is possible. Funds Ve’daa shall not be responsible or liable with regard to any trading which may be conducted on such linked trading sites, non-Funds Ve’daa web sites, and any other web site which may be linked to or from the Website/App. For informational or educational purposes, or as a convenience to the users, the Website/App may provide referrals to third party content or links to third party websites/apps, including companies that have a relationship with Funds Ve’daa.
19. Our decision to provide referral information to a third party or to pass on an offer made by a third party or to provide a link from Website/App to a third party website or app shall not be construed as an endorsement of the third party products, services, content, tools and information. You will use third-party content at your own risk.Funds Vedaa is not responsible for any third party, their products or services their website or app, or any content made available through such third party sites, nor do we make any warranties or representations, express or implied, regarding third party content on any third party sites, and shall have no liability in relation to any of the foregoing.
20. You shall agree to all the terms and conditions, disclaimers clauses and be liable to Copyright Owners of the hyperlinks appearing in the Website/App which is independent in itself and not connected. You shall further indemnify and keep indemnified Funds Vedaa, Funds Vedaa’s parent, partner's, subsidiaries, group and associate companies and its employees, directors, representatives and keep them harmless from any dispute(s) that may arise due to a violation/breach(s) of the Terms and Conditions of such hyper link(s) by You. You will be solely responsible for maintaining the confidentiality of the account that You create on the Website/App.
21. Funds Ve’daa does not limit, favour or restrict any of the schemes available on its app/Web while performing search, filter or sort options. The order of search results is not indicative of performance or recommendation and should not be considered as an opinion by Funds Ve’daa to invest or not to invest. It is solely up to the user to decide to select or reject any scheme. Funds Ve’daa shows most relevant results based on the user's search query.
22. Estimation on return is indicative based on the past performance and should not be considered as a promise, guarantee of future returns.

7. Promotional Alerts

1. Funds Ve’daa may send alerts to its users with respect to the deals, services and other facilities available on the Website/App and the users shall provide unconditional consent to receiving such alerts.
2. However, User shall not disclose any information to any person claiming to be a representative of Funds Ve’daa unless such communication was solicited by such User.

8. Proprietary and Intellectual Property Rights

1. Funds Ve’daa is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing on the Website/App, and is the copyright owner or licensee of the content and/or information on the Website/App including but not limited to any text, images, illustrations, audio clips, video clips and screens appearing on the Website/App.
2. All rights on the Website/App are reserved and You may not download and/or save a copy of the Website/App or any part thereof including any of the screens or part thereof and/or reproduce, store it in a retrieval system or transmit it in any form or by any means - electronic, electrostatic, magnetic tape, mechanical printing, photocopying, recording or otherwise including the right of translation in any language without the express permission of Funds Ve’daa (except as otherwise provided on the Website/App or in the Terms and Conditions for any purpose) or use it in any manner that is likely to cause confusion or deception among persons or in any manner disparages or discredits Funds Ve’daa or its partners. However, you may print a copy of the information on the Website for your personal use or records.
3. The Website is for your personal use. If You make other use of the Website, except as otherwise provided above, You may violate copyright and other laws of India and other countries and may be subject to penalties.
4. Funds Ve’daa does not grant any license or other authorization or use of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property by placing them on the Website.
5. On uninstalling the App and/or or deactivating the aforesaid functionality, the user will have 2 days to activate again, otherwise his subscription will get cancelled.
6. The Company reserves the right to modify these terms and conditions at any time without any prior intimation.
7. Funds Ve’daa will be entitled to reject a claim of any user in the event of any irregularity or dispute, or where the offer is being misused by any user without any obligation of paying any compensation whatsoever. In this respect, the decision of Funds Ve’daa alone shall be final and binding.

9. User Communications

1. Accepting these T&C, implies your express consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf at any contact number, or electronic address provided by You while applying for the Service. You further agree to us contacting You in any manner, including without limitation, SMS messages (including text messages), calls using pre-recorded messages or artificial voice, calls and messages delivered using auto telephone dialling system or an automatic texting system, and notifications sent via the App. Automated messages may be played when the telephone is answered, whether by You or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via SMS.
2. You certify, warrant and represent that the telephone numbers and/or email addresses and any other information that You have provided to us are your own and not someone else's and are true, accurate, current and complete. You represent that You are permitted to receive calls at each of the telephone numbers You have provided to us and emails at each of the email addresses You have provided us. You agree to notify us whenever You stop using a particular telephone number(s) and/or email address(es).
3. You shall not –
   1. Restrict or inhibit any other person from accessing, using and enjoying the Website/App;
   2. Use the Website/App for any purpose that is unlawful in any jurisdiction or not permitted by the Terms and Conditions; modify, copy, distribute, transmit, display, perform, publish, licence, create derivative works from, transfer or sell any information, designs, logos, trademarks, software, facilities, products or services obtained on or through the Website/App, except as permitted by the copyright owner or other right holder thereof; post, transmit and receive any unlawful, fraudulent, libellous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable information or statement of any kind including, without limitation, any information or statement constituting or encouraging conduct that would constitute sedition, a criminal offence, give rise to civil liability, or otherwise violate any local, state, national, foreign or other law; post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial communication (except as otherwise expressly permitted by Funds Ve’daa) or engage in spamming or flooding; post, transmit any spam mails, information or software which contains a virus, Trojan horse, worm or other harmful component; post, publish, transmit, reproduce, distribute or in any way exploit any information, software or other material obtained from or through the Website/App for commercial purposes (other than as expressly permitted by the provider of such information, software or other material); upload, post, publish, transmit, reproduce or distribute in any way, information, software or other material obtained on or through the Website/App which is protected by copyright or other proprietary right, or derivative works with respect thereto, except as permitted by the copyright owner or other right holder thereof; upload, post, publish, reproduce, transmit or distribute in any way any component of the Website/App itself or derivative works with respect thereto, except as permitted by Funds Ve’daa or the copyright owner or other right holder thereof, the Website/App being copyrighted under the relevant laws; - Attempt to decompile or reverse engineer any of the software available on the Website/App. - You will not make any attempt to hack into the Website/App or otherwise attempt to subvert any firewall or other security measure of the Website/App and if You become aware of any shortcoming in the security on the Website/App You shall forthwith inform Funds Vedaa of the same in writing.
   3. If the Website/App contains bulletin boards, chat rooms, access to mailing lists or other message or communication facilities (collectively, "Forums"), You agree to use the Forums only to send and receive messages and material that are proper and related to the particular Forum. You shall use any software provided on, by or through the Website/App only for the purposes for which it has been provided to You and for no other purpose.

10. Prohibited Activities

1. You shall not host, display, upload, modify, publish, transmit, update or share any information on the Website/App, that:
   1. belongs to another person and to which You do not have any right to;
   2. is grossly harmful, harassing, blasphemous defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;harm minors in any way;
   3. infringes any patent, trademark, copyright or other proprietary rights;
   4. violates any law for the time being in force;
   5. deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
   6. impersonate another person;
   7. contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource;
   8. threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognisable offence or prevents investigation of any offence or is insulting any other nation. Any content and or comment uploaded by You, shall be subject to relevant Indian laws and may be disabled, or and may be subject to investigation under appropriate laws. Furthermore, if You are found to be in non-compliance with the laws and regulations, these terms, or the privacy policy of the Website/App, Funds Ve’daa shall have the right to immediately terminate/block your access and usage of the Website/App and Funds Ve’daa shall have the right to immediately remove any non-compliant Content and/or comment, uploaded by You and shall further have the right to take recourse to such remedies as would be available to Funds Ve’daa under the applicable laws.

11. Authority to Funds Ve’daa

1. You irrevocably and unconditionally authorise Funds Ve’daa to access all information relating to You (including personal information and information relating to access and use of the Website Website/App by You and the transactions entered into by You).
2. Subject to the Privacy Policy, all information submitted on or via the Website/App shall be deemed to be and remain the property of Funds Ve’daa and Funds Ve’daa and the Affiliate Partners shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in any information You may provide to or through the Website/App.
3. Funds Ve’daa shall be deemed to acquire from You a non-exclusive, world-wide, perceptual, irrevocable, royalty free licence to use, adapt, reproduce, modify, publish, translate, create derivative works from, distribute, perform or display any ideas, concepts, know-how or techniques contained in any information provided by You to or through the Website/App.

12. Indemnity

1. The User  agrees and undertakes to defend, indemnify and hold harmless Funds Ve’daa, its owners and employees, partners, subsidiaries, group/associate companies and the concerned AMC, its directors, officers, employees, Affiliates Partners, and Content creators from any and all claims, loss, liabilities, damages, costs, expenses or any liability that it/they may suffer, incur or become liable to pay and proceedings, including reasonable attorneys' fees, arising in any way from your use of the Website/App or the placement or transmission of any message, information, software or other materials through the Website/App by You or users of your ID and password or related to any violation of the Terms and Conditions by You or users of your of your ID and password, and any claims dispute or differences between You and any supplier.
2. The User also undertakes to indemnify, defend and hold harmless the concerned AMC against any action, damage or liability that it may suffer, incur or become subject to arising from sharing, disclosing and transferring of the information with Funds Ve’daa.
3. Additionally, the User declares and confirms that it will not hold Funds Ve’daa or the AMC liable and/or responsible for loss/damage of any kind or nature whatsoever that may be incurred or suffered by the User for any illegal or unauthorized acts, omission or commission, fraud, negligence, delay in transmission/discontinuation of sharing of the information, misuse of information and/or default on the part of Funds Ve’daa.

13. Termination

1. The User acknowledges and agrees that Funds Ve’daa may, without notice, suspend or terminate the User’s ID, password or account or deny the User the access to all or part of the Website/App without prior notice if the User engages in any conduct or activities that Funds Ve’daa, at its sole discretion, believes is in violation of any of the Terms and Conditions, or violates the rights of Funds Ve’daa, or is otherwise inappropriate for continued access.
2. The User also acknowledges and agrees that Funds Ve’daa may, without notice, suspend or terminate the User’s ID, password or account or deny the User the access to all or part of the Website/App without prior notice if Funds Ve’daa learns of your death, bankruptcy or lack of legal capacity or of circumstances which impact your credit worthiness (which shall be determined at the sole discretion of Funds Ve’daa) or for any other reason which Funds Ve’daa thinks fit and proper.
3. You acknowledge and agree that Funds Ve’daa may in its sole discretion deny You access through Funds Ve’daa to any materials stored on the Internet, or to access third party services, merchandise or information on the Internet through the Website/App, and Funds Ve’daa shall have no responsibility to notify You or third-party providers of facilities, services, merchandise or information nor any responsibility for any consequences resulting from lack of notification.
4. Funds Ve’daa may also suspend / freeze Customer's account on directions received from regulatory or government bodies & authorities.

14. Disclosure Policy

1. We will only share non-public personal information with third parties in the limited circumstances permitted under law including situations where we need to share information with entities who work on behalf of Funds Ve’daa to service or maintain your account or process transactions as requested by You, when the disclosure is made to a party representing You, or when such information is required by law including inter alia in response to a legal process.
2. Further, Funds Ve’daa will ensure that any third parties assisting it in marketing its products, are under contractual obligations to protect the confidentiality of information of the users of the Website/App, and to use it only to provide the services to the extent as required under the agreement with Funds Ve’daa.
3. Funds Ve’daa recognizes and acknowledges the value and importance of the protection of the User's information. Funds Ve’daa shall exercise the same standard of care to protect the information from the User's that it exercises in protecting its own information.

15. Governing Law & Jurisdiction

1. The Website, the App, the Terms and Conditions, all transactions entered into on or through the Website/App and the relationship between You and Funds Ve’daa shall be governed by and construed in accordance with the laws of India only and no other nation, without regard to the laws relating to conflicts of law.
2. You and Funds Ve’daa agree that all claims, differences and disputes arising under or in connection with or pursuant to the Website, the App, the Terms and Conditions, any transactions entered into on or through the Website/App or the relationship between You and Funds Ve’daa shall be subject to the exclusive jurisdiction of the competent courts located in the city of Agra, Uttar Pradesh, India and You hereby accede to and accept the jurisdiction of such courts. Provided that, notwithstanding what is stated above, if Funds Ve’daa so thinks fit Funds Ve’daa may institute proceedings against You in any other court or tribunal having jurisdiction.
3. Funds Ve’daa accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of India. The mere fact that the Website or the App can be accessed or used or any facility can be availed of in a country other than India would not mean that the laws of such country would be applicable.

16. Notices

1. Funds Ve’daa may give notice to You by e-mail, letter, telephone or any other means as Funds Ve’daa may deem fit to the address last given by You.
2. Notices under the Terms and Conditions may be given to Funds Ve’daa by You in writing by delivering them by hand or by sending them by post to the address of Funds Ve’daa mentioned on the Website.
3. Funds Ve’daa may, but shall not be bound to, act upon notices and instructions given by You to Funds Ve’daa by e-mail, letter, telephone or any other means as Funds Ve’daa may deem fit. I
4. In addition, Funds Ve’daa may (but shall not be bound to) also publish notices of general nature, which are applicable to all users in a newspaper circulating in India or on its Website. Such notices will have the same effect as a notice served individually to each user (including You).
5. Documents which may be sent by electronic communication between the parties may be in the form of an electronic mail, an electronic mail attachment, or in the form of an available download from the Website.
6. Funds Ve’daa shall be deemed to have duly communicated and delivered any communication or document to You if such communication or document is sent via electronic mail (e-mail) to the e-mail address provided by You to Funds Ve’daa.
7. Funds Ve’daa shall also be entitled to act on the basis of any instructions received or purported to be received by Funds Ve’daa from You by e-mail or other electronic means or via the internet. Funds Ve’daa shall also be entitled (but not bound) to act upon fax instructions and communications.

17. Arbitration

1. If any dispute arises between the User and Funds Ve’daa (individually a "Party" and collectively "Parties"), in connection with validity, interpretation, implementation or alleged material breach of the Terms and Conditions, the Parties shall endeavour to settle such dispute amicably.
2. In case of failure of the Parties to settle such disputes within 15 days, either Party shall be entitled to refer the dispute to any arbitrator. The arbitration shall be conducted by a sole arbitrator mutually appointed, or in case of disagreement as to the appointment of a sole arbitrator, by three (3) arbitrators of which each Party shall appoint one (1) arbitrator and the third arbitrator shall be appointed by the two appointed arbitrators.
3. The arbitration proceedings shall be conducted in Agra, Uttar Pradesh, India and the same shall be governed by the provisions of the Indian Arbitration & Conciliation Act, 1996, or any statutory modification as may be then in force. The language of arbitration shall be English.

18. No Waiver

1. The failure or delay of Funds Ve’daa to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision.
2. No waiver on the part of Funds Ve’daa shall be valid unless it is in writing and signed by or on behalf of Funds Ve’daa.
3. A waiver of any right or provision by Funds Ve’daa on a particular occasion shall not prevent Funds Ve’daa from enforcing such right or provision on a subsequent occasion.

19. Severability

1. If any provision of the Terms and Conditions shall be held to be invalid or unenforceable by reason of any law or any rule, order, judgment, decree, award or decision of any court, tribunal or regulatory or self-regulatory agency or body, such invalidity or unenforceability shall attach only to such provision or condition, and You, Funds Ve’daa, the court, tribunal or regulatory or self-regulatory agency or body should endeavour to give effect to the parties' intentions as reflected in the provision to the extent possible.
2. The validity of the remaining provisions and conditions shall not be affected thereby and these Terms and Conditions shall be carried out as if any such invalid or unenforceable provision or condition was not contained herein.

20. Limitation

1. Notwithstanding any statute or law to the contrary, but to the extent permitted by law, any claim or cause of action against Funds Ve’daa arising out of or related to access or use of the Website/App or the Terms and Conditions must be filed within three (3) months after such claim or cause of action arose failing which it shall be forever barred.

21. Force Majeure

1. Funds Ve’daa shall not be responsible for delay or default in the performance of their obligations due to any natural calamities, contingencies beyond their control including but not limited to war, civil disorder, arson, unavailability of any communication system, virus/malware, computer hacking, computer crashes or acts of government/regulatory authorities.

22. No Obligation for Maintenance

1. Funds Ve’daa has no obligation to monitor the functioning of the Website/App.
2. However, You acknowledge and agree that Funds Ve’daa has the right to monitor the functioning of the Website/App electronically or otherwise from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Website/App properly or to protect itself or its Service Providers, Alliance Partners, Visitors and Users.
3. Funds Ve’daa will not intentionally monitor or disclose any private electronic-mail message to any third party unless required by law.
4. Funds Ve’daa reserves the right to remove or the right to refuse to post any information or materials, in whole or in part, that, in its sole discretion, are unacceptable, undesirable, inappropriate or in violation of the Terms and Conditions.

23. No Agency

1. The Terms and Conditions and your use of or access to the Website/App are not intended to create an agency, partnership, joint-venture or employer-employee relationship between You and Funds Ve’daa or any Partner or any AMC or any Insurance company, except where otherwise specifically agreed or appointed.

24. Miscellaneous

1. The clause headings in the Terms and Conditions are only for convenience and do not affect the meaning of any provision and shall not be taken into account in interpreting or limiting the scope of the provisions of the Terms and the Conditions.
2. Funds Vedaa may sub-contract or employ agents to carry out any functions or services relating to the Website/App or any of its obligations under the Terms and Conditions.
3. Funds Vedaa may from time to time send by e-mail or otherwise, information relating to products and services offered by it or the Partners or any other entities, general information related to financial and other services, advertisements of various products and services etc. to You.
4. You must at your own cost:
1. Provide for your own access to the World Wide Web and pay any service fees, telephone charges and online service usage associated with such access, and
2. Provide all equipment necessary for You to make such connection to the World Wide Web, including a computer and modem.
5. The content presented at the Website may vary depending upon your browser limitations.

25. Additional Declarations by the User

1. The User confirms that he/she has neither received nor have been induced by any rebate or gifts, directly or indirectly, in making this investment and no obligation was imposed on the User to avail the execution services offered by Funds Ve’daa.
2. The User also declares that the ARN holder, (where selected for the transaction) has disclosed to the User all the commissions (in the form of trail commission or any other mode), payable to the ARN holder for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to the User.
3. In case a distributor's ARN code is selected and distributor's employee unique identity number (EUIN) is left blank then the following declaration will be considered from user: "I/We hereby confirm that the EUIN has not been provided as this is an 'execution-only' transaction without any interaction or advice by the employee/relationship manager/sales person of Funds Ve’daa or notwithstanding the advice of in-appropriateness, if any, provided by the Funds Ve’daa or its employees and Funds Ve’daa has not charged any advisory fees on this transaction".

26. Grievance Redressal

1. Any complaints, abuse or concerns with regards to content and or comment or breach of these terms shall be immediately informed through email signed with the electronic signature to connect@fundsvedaa.com.

       We request You to please provide the following information in your complaint:

1. Identification of the information provided by You.
2. Clear statement as to whether the information is personal information or sensitive personal information.
3. Your address, telephone number or e-mail address.
4. A statement that You have a good-faith belief that the information has been processed incorrectly or disclosed without authorization, as the case may be.
5. A statement, under penalty of perjury, that the information in the notice is accurate, and that the information being complained about belongs to You.