ERRITARA WEALTH , Terms and Conditions

1.1 These Terms and Conditions ("Terms") govern your access to and use of the website, mobile application, social media pages, communication channels and all services (together, the "Services") offered by ERRITARA WEALTH ("ERRITARA WEALTH", "Company", "we", "us", "our"), a proprietorship firm having its registered office at 306, Trinity Orion, B/S Jolly Residency, Vesu Main Road, Surat- 395007, Gujarat, India., India.

1.2 By accessing our website or app, registering with us, submitting an enquiry, completing KYC, or investing in or purchasing any product through us, you ("Client", "User", "you") confirm that you have read, understood and agreed to be bound by these Terms, our Privacy Policy and our Disclosure & Disclaimer notices.

1.3 If you do not agree with any part of these Terms, please do not use our Services.

2.1 Mutual Fund Distribution: ERRITARA WEALTH is an AMFI-registered Mutual Fund Distributor (ARN:354877, valid until 23/02/2029), holding a valid NISM Series V-A certification. We distribute schemes of Asset Management Companies (AMCs) registered with the Securities and Exchange Board of India (SEBI).

2.2 Insurance Distribution: ERRITARA WEALTH is [a Corporate Agent / Insurance Marketing Firm / Point of Sales Person (POSP) / Insurance Agent] registered with the Insurance Regulatory and Development Authority of India (IRDAI) under Registration/Licence No. [XXXXX], valid until [date]. We distribute life, health and general insurance products of insurers with whom we have valid agreements.

2.3 Nature of Role: We act only as a distributor/intermediary. We are not a mutual fund, an AMC, an insurer, a bank, a SEBI-registered Investment Adviser (RIA) or Portfolio Manager, unless expressly stated otherwise in writing. [If you also hold an RIA registration, mention it here with the registration number and state that advisory and distribution activities are kept separate as required by SEBI.]

2.4 Registration with SEBI/AMFI/IRDAI and certification by NISM does not constitute an assurance by the regulators as to the performance of any product or the accuracy of any information provided by us.

2.5 Our registration details can be verified on the AMFI website (www.amfiindia.com), the IRDAI website (www.irdai.gov.in) and the respective regulator portals.

4.1 Our Services may include: (a) guidance on product selection and investment/insurance planning; (b) assistance with KYC, onboarding, account opening and transaction execution; (c) facilitating purchase, redemption, switch, SIP, STP and SWP in mutual funds; (d) assistance with insurance proposals, renewals, endorsements and claims; (e) portfolio tracking, reports and reminders; and (f) educational content.

4.2 Guidance is not a guarantee. Information, suggestions and recommendations provided by us are based on the information you share and are intended to help you make your own informed decision. We provide advice only that is incidental to our distribution activity, in line with applicable SEBI and AMFI regulations. If you require independent, fee-based investment advice, you should engage a SEBI-registered Investment Adviser.

4.3 Terms such as "financial freedom", "wealth creation" and "tailored solutions" used on our website and materials describe our objectives and approach. They are not a promise or assurance of any outcome, return or financial result.

4.4 We reserve the right to modify, suspend or discontinue any part of our Services at any time, without liability, subject to applicable law.

5.1 You must be at least 18 years of age and competent to contract under the Indian Contract Act, 1872.

5.2 Investments on behalf of a minor must be made through a natural or legal guardian. Investments on behalf of NRIs, companies, trusts, HUFs, partnership firms and other entities are subject to additional documentation and regulatory conditions (including FATCA/CRS and FEMA norms, as applicable).

5.3 Certain products may not be available to residents of the USA, Canada or other restricted jurisdictions, based on AMC/insurer policy and applicable laws.

5.4 Persons who are barred by law, regulation or order from investing, or who are subject to sanction/debarment, may not use our Services.

6.1 You must complete KYC through a SEBI-registered KYC Registration Agency (KRA), CKYC or as otherwise prescribed. Investments and policy issuance may be rejected or delayed until KYC is complete and valid.

6.2 You agree to provide true, accurate, complete and current information, including PAN, Aadhaar (or other officially valid documents as permitted), address, bank details, nominee details, tax residency, occupation and source of funds.

6.3 You consent to our verifying your information through authorised databases and to sharing it with AMCs, RTAs, insurers, KRAs, depositories, banks, regulators and law enforcement agencies as required.

6.4 We, the AMCs and insurers are bound by the Prevention of Money Laundering Act, 2002, and rules and guidelines issued thereunder. We may refuse, freeze or report any transaction that appears suspicious, without prior notice and without liability to you.

6.5 You agree to comply with FATCA/CRS self-certification requirements and to update us promptly of any change in tax residency or other details.

6.6 PAN–Aadhaar linking and other mandatory compliance requirements notified by authorities must be met by you; failure may result in rejection of transactions or operative restrictions on your folios and policies.

7.1 Risk disclosure. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. The NAV of units may go up or down depending on factors affecting the securities market. Past performance of any scheme or fund manager is not indicative of future performance. There is no assurance or guarantee of returns or capital protection, even in debt or liquid schemes.

7.2 Scheme Documents. You should read the SID, KIM and SAI of each scheme before investing, and review the scheme's riskometer and benchmark riskometer. Schemes are governed by their own Scheme Documents, which prevail over any summary we provide.

7.3 Regular vs. Direct plans. We distribute Regular Plans, in which the AMC pays us a commission (trail/upfront) out of the scheme's expense ratio. Regular Plans have a higher expense ratio than Direct Plans, which you may invest in directly with the AMC without a distributor. You acknowledge that you have been informed of this difference and of the option to invest directly. You may switch to a Direct Plan at any time (tax and exit load implications may apply).

7.4 Commission disclosure. We receive commission and/or other benefits from AMCs. Details of the commission earned are available upon request and are disclosed in the Consolidated Account Statement/Scheme documents and in our disclosure statements, as required by AMFI/SEBI.

7.6 Payments. All payments must be made by cheque, NEFT/RTGS/UPI, net banking or other electronic mode from your own bank account (or a joint account in which you are a holder), payable directly to the mutual fund/AMC/clearing account , never in cash and never in favour of ERRITARA WEALTH (unless expressly stated by the AMC for a specific mode). Third-party payments are not accepted except as permitted by SEBI/AMC rules.

7.7 SIP/STP/SWP. Systematic plans operate through standing instructions/mandates (NACH, e-NACH, UPI AutoPay or similar). Failure to maintain sufficient balance may lead to SIP failure, bank charges, and cancellation of the SIP after consecutive failures per AMC rules. SIPs do not guarantee profits or protect against losses in declining markets.

7.8 Exit load, expense ratio, lock-in. Schemes may carry exit load, minimum holding periods, lock-in (for example ELSS , 3 years) and other restrictions. Redemption in certain schemes may be suspended or restricted under SEBI regulations or at the AMC's discretion in extraordinary circumstances.

7.9 Taxes and levies. Gains are subject to capital gains tax, TDS (including for NRIs), securities transaction tax (STT), stamp duty (currently applicable on purchases) and other levies as per prevailing laws. These are your responsibility. We do not provide tax advice; please consult a qualified tax professional.

7.10 Nomination. You are encouraged to nominate or opt out of nomination as required by SEBI. Failure to do so may result in freezing of folios or difficulty for legal heirs.

7.11 Scheme changes. AMCs may change, merge, wind up or modify schemes (including fundamental attributes), exit load and expense ratio, subject to SEBI regulations and unit-holder rights. We are not liable for such actions.

7.12 Statements. Official account statements (CAS, folio statements) are issued by the AMC/RTA/depositories. Statements or portfolio reports from us are for convenience only; in case of discrepancy, the AMC/RTA records prevail.

8.1 Solicitation notice. Insurance is the subject matter of solicitation. Insurance is a contract between you and the insurer. We act as an intermediary and are not a party to the insurance contract.

8.2 Policy documents prevail. Features, benefits, exclusions, waiting periods, sub-limits, co-payments, deductibles, surrender conditions and claim procedures are governed solely by the Policy Documents. Please read the policy wording, prospectus and benefit illustration carefully before purchase.

8.3 Duty of disclosure (utmost good faith). Insurance is a contract of uberrimae fidei. You must disclose all material facts truthfully and completely, including age, health, medical history, habits, occupation, existing insurance, income and any other information requested. Non-disclosure, misrepresentation or fraud may lead to repudiation of claims or cancellation of the policy, subject to Section 45 of the Insurance Act, 1938 (as amended).

8.4 Proposal and underwriting. Acceptance of a proposal, premium rates, loading, exclusions and issuance of the policy are at the sole discretion of the insurer. We cannot guarantee acceptance of any proposal.

8.5 Premium payment. Premiums should be paid directly to the insurer through authorised modes (cheque/online/UPI/auto-debit) in favour of the insurer. Please obtain a valid premium receipt. Non-payment of premiums may cause the policy to lapse. Grace periods, revival and lapse conditions are as per the Policy Documents.

8.6 Free-look period. For life and health policies, you generally have a free-look period (15 days, or 30 days for policies purchased through distance marketing or as specified by regulation) from the date of receipt of the policy document to review the terms and return the policy if you disagree. The insurer may deduct proportionate risk premium, medical examination costs and stamp duty as per regulations.

8.7 Market-linked products. In Unit Linked Insurance Plans (ULIPs) and other market-linked policies, the investment risk in the portfolio is borne by the policyholder. Fund values may fluctuate. Charges (premium allocation, fund management, mortality, policy administration, etc.) apply as per the policy. Past fund performance is not indicative of future results.

8.8 Non-participating/participating products. Bonuses and guaranteed benefits, where applicable, are as stated in the Policy Documents. Illustrated figures at non-guaranteed rates are indicative only and not assured.

8.9 Claims. Claims are settled by the insurer subject to the policy terms. We will assist with claim intimation, documentation and follow-up, but we do not guarantee claim approval, timelines or amounts. Timely intimation to the insurer by you or your nominee is essential. Health policies may involve waiting periods, pre-existing disease conditions and network hospital rules.

8.10 Portability, renewal, endorsements. You are responsible for renewing policies on time and for requesting changes (address, nominee, sum insured, etc.) in writing. Health insurance portability is subject to IRDAI guidelines and insurer underwriting.

8.11 No rebates or inducements. In accordance with Section 41 of the Insurance Act, 1938, neither we nor you may offer or accept any rebate of commission or any inducement not permitted by law as an incentive to buy insurance.

8.12 Commission disclosure. We receive commission or remuneration from insurers as per IRDAI regulations. Details are available upon request.

8.13 Beware of fraud. IRDAI does not sell insurance, nor does it announce bonuses or invest premiums. Public receiving such phone calls are requested to lodge a police complaint.

8.14 Third-party administrators (TPAs) and hospitals. Cashless claims, hospital networks and TPA services are provided by third parties; we are not responsible for their acts or omissions.

9.1 You are solely responsible for your final investment and insurance decisions. You should assess whether a product is suitable for your goals, risk appetite, time horizon, income, liabilities and tax position.

9.2 You agree to give us accurate information about your financial situation and to inform us of changes. Our guidance depends on the information you provide, and we are not liable for outcomes resulting from incomplete or incorrect information.

9.3 You should keep your login credentials, OTPs, PINs and passwords confidential. Do not share OTPs or passwords with anyone, including our employees.

9.4 You should regularly review your statements, confirmations, and policy documents and report any discrepancy within the time prescribed by the AMC/insurer, or within 7 days of receipt if no period is specified.

9.5 You should notify us and the relevant AMC/insurer immediately of any change in address, mobile number, email, bank account, nominee or tax status.

10.1 Distribution model. We earn remuneration primarily by way of commission paid by AMCs and insurers. We do not charge you any fee for mutual fund distribution unless disclosed and agreed in writing.

10.2 Any additional or optional service fee (for example, advisory, financial planning or documentation services) will be separately disclosed and agreed in writing before the service is rendered.

10.3 Product-level costs (expense ratio, exit load, entry/exit charges, premium allocation charges, mortality and administration charges, GST, stamp duty) are levied by the AMC/insurer and are not charged by us.

10.4 Applicable GST is payable on any fees we charge, as per law.

10.5 Our remuneration may differ across products, AMCs and insurers. We follow applicable regulations to manage conflicts of interest and will disclose them on request.

11.1 Products are issued and managed by third parties. We do not manage fund portfolios, underwrite risks or settle claims.

11.2 Our platform may contain links or integrations to third-party websites, payment gateways, KYC agencies, AMC/RTA portals and insurer portals. We do not control and are not responsible for their content, security, privacy practices, availability or terms.

11.3 Any dealings between you and a third party are governed by that party's terms.

12.1 You may use our digital platforms only for lawful, personal and non-commercial purposes related to our Services.

12.2 You agree not to: (a) provide false or misleading information; (b) impersonate any person; (c) attempt unauthorised access to systems, accounts or data; (d) introduce viruses, bots, scrapers or malicious code; (e) reverse-engineer, copy or resell our content; (f) use our platform for money laundering, fraud or any unlawful activity; or (g) interfere with the security or functioning of our services.

12.3 We may suspend, restrict or terminate access without notice if we suspect a violation of these Terms or applicable law.

12.4 We do not guarantee uninterrupted, error-free or secure access. Services may be affected by maintenance, technical failures, cyber attacks, third-party outages, internet disruptions or force majeure events.

12.5 Information on our website (such as NAVs, returns, calculators, illustrations) is for general guidance, may be delayed or approximate, and should be verified from official sources.

12.6 Calculators and tools provide indicative projections based on assumptions. Actual results will differ.

13.1 You consent to receive communications from us (including transaction confirmations, statements, renewal reminders, service updates, and marketing) via email, SMS, WhatsApp, phone calls, app notifications and other electronic means.

13.2 You authorise us to contact you even if your number is registered under the Do Not Disturb (DND)/National Customer Preference Register (NCPR) for service-related communications. You may opt out of promotional communication at any time by contacting us.

13.3 You agree that calls with our representatives may be recorded and retained for quality, training, compliance and dispute resolution purposes.

13.4 Electronic records, e-signatures, OTP-based authentication and electronic communication are valid and binding under the Information Technology Act, 2000.

14.1 We collect, store, use and share your personal data in accordance with our Privacy Policy, the Information Technology Act, 2000, the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 (as and when applicable and in force).

14.2 We may share your information with AMCs, RTAs, insurers, TPAs, KRAs, depositories, payment partners, technology and cloud service providers, auditors, regulators, courts and government authorities, as required to provide Services or comply with law.

14.3 We implement reasonable security safeguards, but no system is completely secure. You acknowledge the inherent risks of data transmission over the internet.

14.4 You may request access, correction or deletion of your data, or withdraw consent, subject to legal retention requirements, by writing to our Grievance/Data Protection contact (see Section 21).

15.1 All content on our platforms, including the name and logo "ERRITARA WEALTH", text, graphics, designs, software, reports and tools, is owned by or licensed to us and protected by Indian intellectual property laws.

15.2 You are granted a limited, non-exclusive, non-transferable, revocable licence to view and use our content for personal purposes. You may not copy, reproduce, modify, distribute, publish, frame or exploit any content for commercial purposes without our prior written consent.

15.3 Names and logos of AMCs, insurers and other third parties are the property of their respective owners and are used only for identification.

16.1 Services and content are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, to the extent permitted by law.

16.2 We do not warrant that any product will meet your expectations, achieve any particular return, or that information on third-party sources is accurate or complete.

16.3 Market data, ratings, rankings, awards or third-party research mentioned are for information only, and we do not endorse or guarantee them.

16.4 Nothing in our communications constitutes an offer, solicitation or legal, tax, accounting or actuarial advice. You should seek independent professional advice where appropriate.

17.1 To the maximum extent permitted by law, ERRITARA WEALTH, its owners, partners, directors, employees, agents and associates shall not be liable for any direct, indirect, incidental, special, consequential or punitive damages, including loss of profit, loss of opportunity, market losses or loss of data, arising from:

• investment or insurance decisions made by you;
• market fluctuations or product performance;
• acts, omissions, delays, errors or insolvency of AMCs, insurers, RTAs, banks, payment gateways, TPAs, exchanges, depositories or other third parties;
• rejection or delay of any transaction, proposal or claim;
• inaccurate or incomplete information provided by you;
• unauthorised access arising from your failure to protect credentials;
• system failures, cyber incidents, internet outages or force majeure events.

17.2 Where liability cannot be excluded by law, our total aggregate liability for any claim shall be limited to the amount of fees (if any) actually received by us from you for the specific service giving rise to the claim in the twelve (12) months preceding the claim, or ₹[amount], whichever is lower.

17.3 Nothing in these Terms excludes or limits any liability that cannot be excluded under applicable law, including liability for fraud or wilful misconduct.

19.1 We follow the AMFI Code of Conduct for mutual fund distributors and the IRDAI Code of Conduct applicable to insurance intermediaries, which include: acting with integrity and fairness, providing accurate information, avoiding misleading statements, disclosing commission and conflicts of interest, and maintaining client confidentiality.

19.2 We do not engage in practices such as mis-selling, churning, guaranteeing returns, unauthorised trading, or sharing client credentials.

19.3 Employees and associates are prohibited from accepting cash, taking custody of client funds or securities, or holding client login credentials.

20.1 You may stop using our Services at any time by giving written notice. Termination does not affect existing investments or policies, which remain governed by their respective Scheme/Policy Documents. You may be required to transfer your holdings to another distributor or to Direct Plans through the AMC, or to complete a change of distributor request.

20.2 We may suspend or terminate your access or our relationship, with or without notice, if: (a) you breach these Terms; (b) we suspect fraud, money laundering or illegal activity; (c) required by regulators or law; (d) KYC or documentation is incomplete or invalid; or (e) our registration or tie-up with a product provider ends.

20.3 Provisions on disclaimers, limitation of liability, indemnity, intellectual property, confidentiality, governing law and dispute resolution survive termination.

We are committed to resolving complaints promptly and fairly.

22.1 These Terms are governed by the laws of India.

22.2 Amicable resolution: The parties shall first attempt in good faith to resolve any dispute through discussion for a period of thirty (30) days from written notice of the dispute.

22.3 Arbitration: Any dispute not resolved amicably shall be referred to arbitration under the Arbitration and Conciliation Act, 1996, before a sole arbitrator appointed by mutual consent (or, failing agreement, as per the Act). The seat and venue shall be Surat, India, and the language shall be English.

22.4 Jurisdiction: Subject to the above, the courts at Surat, Gujarat shall have exclusive jurisdiction. This clause does not limit your statutory rights to approach SEBI, IRDAI, the Insurance Ombudsman, Consumer Commissions or any other forum under applicable law.

25.1 Amendments. We may revise these Terms from time to time to reflect changes in law, regulation, products or business practices. Updated Terms will be posted on our website/app with a revised date. Continued use of our Services after changes constitutes acceptance.

25.2 Entire agreement. These Terms, together with our Privacy Policy, Disclosures and any written agreement or application you sign with us, constitute the entire agreement between you and us on the subject matter.

25.3 Severability. If any provision is held invalid or unenforceable, the remaining provisions shall continue in full force.

25.4 Waiver. Failure to enforce any right or provision is not a waiver of that right or provision.

25.5 Assignment. You may not assign or transfer your rights under these Terms. We may assign our rights and obligations to an affiliate or successor on notice, where permitted by law.

25.6 Notices. Notices to you may be sent to your registered email, mobile number or address. Notices to us must be sent to the contact details in Section 21 or Section 26.

25.7 Conflict with regulations. In the event of any conflict between these Terms and applicable laws, regulations or SEBI/AMFI/IRDAI directions, the latter shall prevail.

25.8 Language. These Terms are drafted in English; any translation is for convenience, and the English version prevails.

25.9 No agency. Nothing in these Terms creates a partnership, joint venture, employment or agency relationship between you and us, except as expressly stated for distribution purposes.

ERRITARA WEALTH

306, Trinity Orion, B/S Jolly Residency, Vesu Main Road ,Surat, Gujarat – 395007, India

Email: secure@eritarawealth.com

Phone: +91 96013 39353

Website: www.erritarawealth.com/

AMFI ARN: 354877 | IRDAI Registration/Licence No.: ABLIC1003411114, CTH1132161