These disclaimers form an integral part of the terms and conditions available at Terms and Conditions (“Terms”), and should be read together at all times as one and the same document. Please read the Privacy Policy accessible at [insert link] before using, accessing and/or registering on the Platform. By accessing the website savwealth.com, our mobile application, or any other such equivalent platform (“Platform”) provided by SAV, you are deemed to have read and understood the terms of these disclaimers and your access constitutes your agreement thereto.

1. Disclaimers for mutual fund distributor services

• SAV’s role is limited to distribution of mutual fund units and related matters, in accordance with application laws and regulations, pursuant to ARN – 136649 with Association of Mutual Funds of India (“AMFI”) (obtained by La Crème De La Crème Services LLP). All other information and material displayed on the Platform is for informational purposes only and is not intended as investment advice (including financial planning), tax advice or legal advice or an opinion, offer, an endorsement, advice, solicitation or inducement to invest in securities or a public offer proving a basis for an investment decision.Any investment decisions undertaken shall be at your sole discretion, with prior consultation/advice from an appropriate financial professional/adviser based on your personal financial objectives, needs and risk tolerance.
• Mutual Funds and other forms of investments are subject to market risks. Please read all scheme related documents carefully before investing.
• Please note that past performance of the mutual fund schemes is neither an indicator nor a guarantee of future performance and should not be considered as the basis for future investment decisions.
• Any Mutual Fund scheme is a forward-looking document. The words “forecast”, “anticipate”, “estimate”, “project”, “intend”, “expect”, “should”, “believe”, and similar expressions are intended to identify forward-looking statements. These forward-looking statements involve, and are subject to known and unknown market, currency, economic, political and business risks, uncertainties and other factors, which could cause actual results, performance or achievements to differ from the expected / projected results, performance or achievements expressed or implied by such forward-looking statements. All forward-looking statements herein are expressly qualified in their entirety by the above-mentioned cautionary statement. SAV does not accept any direct or indirect liability for any results, performance or achievements that differ from results, performance or achievements implied by such forward-looking statements.
• The value of any investment may rise and/or fall as a result of market changes and the Platform is not intended to predict actual performance and/or success of any scheme and no assurances are given with respect thereto. SAV does not make any claims with respect to the performance of any Mutual Fund schemes and shall not have any liability towards any losses that you may incur as a direct or indirect result of their decision, to purchase, to redeem, to not purchase or to not redeem units, in any Mutual Fund scheme.
• With respect to Explore Fund Baskets
• The Mutual Fund schemes listed are not a recommendation and the list is non-obligatory and merely seeks to guide you as to the suitability of Mutual fund schemes for various investment time periods.
• The returns assumed are merely indicative and are based on past trends and there is no assurance or guarantee of any kind that these returns will be achieved.

2. Disclaimers for Calculators

• There is no assurance or guarantee that the goals planned for will be achieved and the same is subject to the investment performance of the schemes.
• The objective of the calculators is to demonstrate the appropriate use of various schemes/ products across varying investment time periods and is for your assistance/ information only. Any investment decisions undertaken shall be at your sole discretion, with prior consultation/advice from an appropriate financial professional/adviser based on your personal financial objectives, needs and risk tolerance.
• The calculations are not based on any promises of future return and should not be construed as promise on assured returns. While reasonable care has been exercised while preparing the calculator, SAV does not warrant the completeness and accuracy of the calculations and disclaims all liabilities, losses and damages arising out of the use or in respect of anything done in reliance of the calculator.

3. Disclaimers for investments with third parties

• SAV’s services in relation to investment in any products other mutual fund units, including stocks and/or securities, is limited to providing an interface to Users to transact through its Partners.
• Notwithstanding anything contained herein, the User agrees and understands that: (a) SAV is only providing referral services to the User (as set out herein) and is not providing any form of investment advisory (including financial planning), broking, merchant banking, custody, trading, intermediation, portfolio management services or other financial service or service relating to the securities markets (“Securities Market Services”), to the any User or otherwise, (b) any Securities Market Services shall be provided directly by the Partners to the Users through appropriate agreements/ supporting documentation between the Partners and the Users in accordance with applicable laws and regulations, and (c) once a referral is made, it is the duty and responsibility of the Partner to deal with the User end-to-end, from the stage of on-boarding till the closure of the relevant service, and SAV shall have no role or responsibility in such matters.
• SAV is not and shall not in any way deemed to be making any representation or warranty whatsoever in connection with such Securities Market Services and the entire role, responsibility, liability and risk in relation to such matters shall vest with the Partner and be governed by separate documentation entered into between the Users and the Partners. SAV shall not under any circumstance be responsible, directly or indirectly, for any deficiencies in the services being provided by its Partners and shall not be held liable in any manner whatsoever. SAV does not guarantee, explicitly or implicitly, any returns, interest rate that is/ may be offered by the Partners.
• Nothing on the Platform shall be construed as providing investment advice (including financial planning), tax advice or legal advice and the User shall make their own informed decision in relation to the same. Before investing, the User should seek independent financial planning, legal, accounting, tax or other professional advice.

4. General Disclaimers for the Platform

• The information on the Platform is provided solely to Users to make their own investment decisions and does not constitute a recommendation to buy, sell or otherwise deal in investments.
• This information provided on the Platform is for general information and educational purposes only. Nothing contained on this Platform should be construed as investment advice, tax advice, or legal advice. SAV makes no representation or warranty (expressed or implied) to any User and/or an investor on advisability of investing in any investment product or its future performance
• Any data or analysis prepared by SAV will be solely based on factual information provided by the User and will be limited to data analytics without provision of any advice, financial service or recommendation, which should be obtained by you from a duly qualified financial advisor/intermediary. Any data/information analysed by SAV shall be for the limited purpose of general guidance and illustrative information purposes only, and they do not, in any manner, indicate any assurance or opinion or advice whatsoever. The data/information would be dependent on various assumptions, qualifications, preferences and other factors and therefore, any results or analysis shall always be construed in accordance with the same and cannot be solely relied on for making investment/financial decisions.
• No information, report or presentation on this Platform or sent to you separately through any means should to be construed as a representation with respect to shares, securities or other investment regarding the legality of an investment therein under the respective applicable laws or regulations.

5. Disclaimers before any investment transaction is concluded by the clients

• The selected Mutual fund scheme is based on your current situation and goals, which will change with the passage of time and your age. Any material change in your financial situation will necessarily render the contents of the plan out of date.
• We strongly recommend that a) you review the plan periodically to ensure that your plan’s actual performance is consistent in meeting your goals, and b) you update your plan periodically to ensure that your plan is updated for your changing situation and goals.
• The NAV of the units issued by the selected Mutual Fund under the scheme can go up or down depending on various factors and forces affecting securities markets.
• Equity and equity related instruments are volatile by nature. Investments in gold exchange traded funds if any are subject to market risk, risks associated with investment in physical gold, liquidity risk, counterparty risk, etc. For detailed risk factors, please refer to the SID.

ADVISORY FOR INVESTORS5

1. KYC Related Advisory

• KYC is one time exercise while dealing in securities markets – once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary.

2. Advisory for using Analytics Portal

• Check your securities/MF/bonds in the consolidated account statement issued by NSDL/CDSL every month.

3. General Advisory for Investing in Mutual Funds

• Investors should be cautious on unsolicited emails and SMS advising to buy or sell securities and trade only on the basis of informed decisions.
• Investors may please refer to the Exchange’s Frequently Asked Questions (FAQs) issued vide circular reference NSE/INSP/45191 dated July 31, 2020 and NSE/INSP/45534 dated August 31, 2020 & vide notice no. BSE 20200731-7 dated July 31, 2020 and BSE 20200831-45 dated August 31, 2020 and other guidelines issued from time to time in this regard.
• “Investors may please refer to the Exchange’s Frequently Asked Questions (FAQs) issued vide circular reference NSE/INSP/45191 dated July 31, 2020 and NSE/INSP/45534 dated August 31, 2020 & vide notice no. BSE 20200731-7 dated July 31, 2020 and BSE 20200831-45 dated August 31, 2020 and other guidelines issued from time to time in this regard.”
• Prevent unauthorized transactions in your account. Update your mobile numbers/email IDs with your stock brokers. Receive information of your transactions directly from Exchange on your mobile/email at the end of the day. Issued in the interest of investors.
• Beware of fixed/guaranteed/regular returns/ capital protection schemes. Brokers or their authorized persons or any of their associates are not authorized to offer fixed/guaranteed/regular returns/ capital protection on your investment or authorized to enter into any loan agreement with you to pay interest on the funds offered by you. Please note that in case of default of a member claim for funds or securities given to the broker of sub-brokers under any arrangement/ agreement of indicative return will not be accepted by the relevant Committee of the Exchange as per the approved norms.
• Always keep your contact details viz. Mobile number/Email ID updated with the stock broker. Email and mobile number is mandatory and you must provide the same to your broker for updation in Exchange records. You must immediately take up the matter with Stock Broker/Exchange if you are not receiving the messages from Exchange/Depositories regularly.
• Don’t ignore any emails/SMSs received from the Exchange for trades done by you. Verify the same with the Contract notes/Statement of accounts received from your broker and report discrepancy, if any, to your broker in writing immediately and if the Stock Broker does not respond, please take this up with the Exchange/Depositories forthwith.
• Check messages sent by Exchanges on a weekly basis regarding funds and securities balances reported by the trading member, compare it with the weekly statement of account sent by broker and immediately raise a concern to the exchange if you notice a discrepancy.
• Please do not transfer funds, for the purposes of trading to anyone, including an authorized person or an associate of the broker, other than a SEBI registered Stock broker.”

4. Clients/Investors are advised to avoid below-mentioned practices:

• Sharing of trading credentials – login id & passwords including OTP.
• Dealing in unsolicited tips through WhatsApp, Telegram, YouTube, Facebook, SMS, calls, etc.
• Making investments based on recommendations from unauthorised / unregistered investment advisors and influencers.