TERMS OF SERVICE

By creating an account on or accessing the Index Funds Sahi Hai ("IFSH") website mobile application, or any related digital platform (collectively, the "Platform"), you agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and any additional terms, disclosures, or agreements applicable to specific products or services ("Supplemental Terms"). Together, these constitute a legally binding agreement between you and Index Funds Distribution Private Limited ("IFDPL"). Where a conflict exists, the applicable Supplemental Terms shall prevail with respect to the relevant product or service.

If you do not agree to these Terms, you must not access or use the Platform.

For the purposes of these Terms, "User," "you," or "your" means any person accessing or using the Platform. "Index Funds Sahi Hai," "IFSH," "we," "our," or "us" refers to Index Funds Distribution Private Limited, together with its affiliates, subsidiaries, employees, directors, officers, agents, and authorized representatives, where the context so requires.

Index Funds Sahi Hai (IFSH) is an independent private brand owned and operated by Index Funds Distribution Private Limited, having its registered office at 102, Pranav Apartment, Eksar Road, Borivali (West), Mumbai – 400091, Maharashtra, India.

The Platform offers mutual fund distribution services through Index Funds Distribution Private Limited, an AMFI-registered Mutual Fund Distributor (ARN: 272159) and an APMI-registered PMS Distributor (APRN: 00741). Total Market India PMS is an exclusive investment strategy of Index Funds Sahi Hai and is offered and managed separately through Ayan Analytics Private Limited, a SEBI-registered Portfolio Manager (Registration No. INP000007614).

Index Funds Sahi Hai is an independent private brand and is not affiliated with, sponsored by, endorsed by, approved by, or associated with the "Mutual Funds Sahi Hai" investor awareness campaign, SEBI, AMFI, APMI, any Asset Management Company, any Portfolio Manager, or any government authority. The term "Sahi Hai" is used solely as a trademark and brand identifier and shall not be interpreted as representing or implying that any investment, investment strategy, financial product, or service is suitable, guaranteed, riskfree, endorsed, or appropriate for every investor.

• 3.1 Scope of Distribution Services
• The Platform facilitates the distribution of eligible financial products through Index Funds Distribution Private Limited, an AMFI-registered Mutual Fund Distributor (ARN: 272159) and an APMI-registered PMS Distributor (APRN: 00741).
• The Products available on the Platform are offered by respective Asset Management Companies (AMCs), Portfolio Managers, banks, issuers, Registrar & Transfer Agencies (RTAs), ONDC ecosystem participants, and other regulated financial institutions or intermediaries ("Product Providers"). The Products available on the Platform may change from time to time depending on commercial arrangements, regulatory requirements, operational considerations, or Product Provider decisions.
• 3.2 Role of the Platform
• The Platform acts solely as a technology-enabled distribution and transaction facilitation platform and, where applicable, as a distributor or referrer for eligible Products.
• Unless expressly agreed under a separate regulated engagement, the Platform's responsibilities are limited to:
• providing information regarding Products and Product Providers;
• facilitating paperless onboarding and digital transaction processing;
• transmitting your instructions to the relevant Product Provider or regulated intermediary;
• providing portfolio reporting, transaction history, account statements, notifications, and other servicing features made available by Product Providers; and
• facilitating customer support relating to transactions initiated through the Platform.
• The Platform does not manufacture, issue, underwrite, guarantee, or insure any Product offered by any Product Provider.
• 3.3 Non-Discretionary Services
• All transactions executed through the Platform are undertaken strictly on a non-discretionary and execution-only basis, based solely on your instructions.
• The Platform shall not exercise any discretion regarding the selection, purchase, redemption, switching, holding, or sale of any Product unless expressly agreed under a separate regulated advisory or portfolio management engagement.
• 3.4 User Responsibility
• You acknowledge and agree that:
• all investment decisions are made solely by you;
• you are responsible for assessing the suitability, risks, taxation, liquidity, and other characteristics of any Product before investing;
• you have read or shall read the applicable Scheme Information Document (SID), Key Information Memorandum (KIM), Disclosure Document, Client Agreement, Offer Document, and other Product-specific documentation before investing; and
• the Platform shall not be responsible for your investment decisions or their outcomes.
• 3.5 Educational Content
• The Platform may provide educational material, research reports, newsletters, market commentary, webinars, blogs, videos, calculators, portfolio analytics, AI-powered tools, SDI (Self Directed Investing) features, model portfolios, or similar content.
• Unless expressly stated otherwise under a separately regulated engagement, such content is provided solely for informational and educational purposes and shall not constitute investment advice, financial advice, legal advice, tax advice, portfolio management, or a recommendation to buy, sell, or hold any Product.
• 3.6 No Guarantee of Execution
• The Platform shall use commercially reasonable efforts to transmit your instructions to the relevant Product Providers.
• However, the Platform does not guarantee:
• acceptance or rejection of any transaction;
• execution or timing of execution;
• allotment of units or securities;
• applicable NAV or market price;
• settlement timelines;
• liquidity or redemption;
• payment of dividends, interest, bonuses, corporate actions, or other distributions; or
• investment returns or capital protection.
• All transactions remain subject to verification, availability of funds, Product Provider acceptance, regulatory requirements, cut-off timings, market conditions, and the operational procedures of the respective Product Providers.
• 3.7 Investment Risk
• All investments involve risk, including the possible loss of capital.
• Past performance, model portfolio performance, historical returns, hypothetical returns, simulated performance, or back-tested performance do not guarantee future results.
• The value of investments may increase or decrease due to market movements, interest rates, economic conditions, currency fluctuations, liquidity, regulatory changes, or other factors beyond the Platform's control.
• 3.8 Technology Infrastructure
• The Platform may utilise APIs, digital infrastructure, technology service providers, payment gateways, ONDC protocols, banking partners, RTAs, KRAs, CKYC, Fintech Primitives, and other regulated intermediaries for paperless onboarding, KYC verification, transaction processing, settlement, reporting, servicing, and operational support.
• The Platform shall not be liable for delays, interruptions, errors, failures, or losses arising from the acts or omissions of any third-party technology provider, Product Provider, payment system participant, banking partner, telecommunications provider, or regulatory intermediary beyond its reasonable control.
• 3.9 Sharing of Information
• You authorize the Platform to share your information, transaction details, holdings, KYC records, and other relevant information with Product Providers, regulators, statutory authorities, auditors, technology partners, payment service providers, RTAs, KRAs, banks, ONDC participants, and other authorised intermediaries to the extent necessary for providing Services, regulatory compliance, fraud prevention, dispute resolution, and operational purposes, in accordance with applicable laws and the Privacy Policy.
• 3.10 Distribution Fees
• The Platform may receive commissions, trail commissions, referral fees, distribution fees, or other compensation from Product Providers in accordance with applicable laws and regulatory requirements.
• Where required by law or regulation, such disclosures shall be made through the Platform or otherwise communicated to you.
• 3.11 Payments & Settlement
• Purchase transactions shall be processed only upon successful receipt of cleared funds through approved payment mechanisms made available on the Platform.
• Transaction execution remains subject to Product Provider acceptance, regulatory requirements, cut-off timings, banking systems, payment gateways, and settlement infrastructure.
• 3.12 Geographic & Regulatory Restrictions
• Certain Products or Services may not be available to residents of particular jurisdictions or to persons prohibited from investing under applicable laws, regulations, Product documentation, sanctions, or Product Provider policies.
• The Platform reserves the right to reject or restrict any transaction where required by applicable law or regulatory requirements.
• 3.13 Communication Recording
• To maintain service quality, regulatory compliance, fraud prevention, and dispute resolution, the Platform may monitor and record telephone calls, emails, chat messages, WhatsApp communications, video meetings, and other electronic communications, to the extent permitted under applicable law. Such records may be relied upon as evidence of your instructions or communications with the Platform.

• The Platform itself does not open or maintain demat accounts, trading accounts, custody accounts, bank accounts, or investment accounts in its own name or on behalf of Users.
• For Products distributed through Index Funds Distribution Private Limited, investments shall be held in accordance with the requirements of the respective Product Provider, including through mutual fund folios, statements of account, demat accounts, or such other holding mechanisms as may be applicable.
• For Portfolio Management Services (PMS) offered separately through Ayan Analytics Private Limited, a SEBI-registered Portfolio Manager (Registration No. INP000007614), the Portfolio Manager may facilitate the opening and operation of such custody accounts, demat accounts, bank accounts, trading accounts, or other accounts as may be required under applicable SEBI regulations, the PMS Agreement, or the investment strategy selected by the client.
• Where a PMS strategy invests exclusively in Mutual Funds (including Index Mutual Funds), investments may be held through the applicable mutual fund folios or statements of account maintained by the respective Asset Management Companies (AMCs) or Registrar & Transfer Agencies (RTAs), and a trading account may not be required. Where a PMS strategy includes Exchange Traded Funds (ETFs) or other exchange-traded securities, a demat account, trading account, and such other accounts as required under applicable laws and regulations may be opened and operated by the Portfolio Manager in accordance with the PMS Agreement.
• The opening, operation, maintenance, and closure of such accounts shall be governed by the respective agreements entered into between the client and the relevant regulated entity and shall not be governed by these Terms.

• 5.1 Submission of Instructions
• The Platform shall process only those instructions submitted through the approved digital channels and in the manner prescribed by the Platform from time to time.
• The Platform reserves the right to reject, suspend, defer, or seek additional verification for any instruction that appears incomplete, inaccurate, inconsistent, unauthorized, fraudulent, suspicious, or otherwise requires additional verification for regulatory, compliance, cybersecurity, fraud prevention, operational, or legal purposes.
• 5.2 User Authentication
• The Platform may rely upon instructions authenticated through your registered login credentials, password, One-Time Password (OTP), biometric authentication, digital signature, electronic consent, device authentication, or any other authentication mechanism approved by the Platform.
• You shall be solely responsible for maintaining the confidentiality and security of your credentials and for all instructions submitted through your registered Profile.
• 5.3 Electronic Instructions
• You authorize the Platform to accept and process instructions received electronically through the website, mobile application, APIs, integrated digital platforms, email (where permitted), electronic mandates, or such other communication channels as may be approved by the Platform from time to time.
• Instructions authenticated through your registered Profile or approved authentication methods shall be deemed to have been validly submitted by you and shall be binding upon you.
• 5.4 Processing of Transactions
• The Platform shall use commercially reasonable efforts to transmit your instructions to the relevant Product Provider or regulated intermediary.
• The execution of any transaction remains subject to:
• successful authentication;
• completion of applicable KYC and regulatory requirements;
• availability of cleared funds;
• applicable cut-off timings;
• Product Provider acceptance;
• market conditions;
• operational procedures of the relevant Product Provider; and
• the availability of technology infrastructure and payment systems.
• The Platform does not guarantee the acceptance, execution, allotment, settlement, or completion of any transaction.
• 5.5 Delays and Technical Interruptions
• The Platform shall not be liable for any delay, interruption, rejection, failure, incorrect execution, or non-execution of any transaction arising from:
• Product Provider systems;
• Registrar & Transfer Agencies (RTAs);
• banking systems;
• payment gateways;
• stock exchanges;
• depositories;
• ONDC ecosystem participants;
• telecommunications or internet failures;
• cyber incidents;
• force majeure events; or
• any other event beyond the reasonable control of the Platform.
• 5.6 Cut-off Timings & NAV
• Transactions shall be processed in accordance with the applicable cut-off timings prescribed by the relevant Product Provider and applicable regulations.
• Where applicable, Mutual Fund transactions shall be processed at the Net Asset Value (NAV) determined by the respective Asset Management Company (AMC) in accordance with SEBI regulations and the relevant Scheme Documents.
• The Platform does not determine, calculate, or guarantee the applicable NAV.
• 5.7 Redemption & Settlement
• Redemption proceeds shall be credited directly by the relevant Product Provider to the registered bank account maintained by the investor in accordance with the Product Provider's policies and applicable regulations.
• The Platform shall not be responsible for delays in settlement, payment processing, banking systems, or credit of redemption proceeds beyond its reasonable control.
• 5.8 Switching Transactions
• Switch transactions shall be processed by the relevant Product Provider in accordance with the applicable Scheme Documents, Product terms, regulatory requirements, and prevailing NAVs.
• 5.9 Modification or Cancellation of Instructions
• Once an instruction has been successfully submitted for processing, it may not be capable of modification or cancellation.
• Any cancellation or modification shall be subject to the applicable rules of the relevant Product Provider, regulatory requirements, operational feasibility, and the status of transaction processing.
• 5.10 Electronic Records
• You acknowledge and agree that electronic logs, audit trails, system records, timestamps, OTP validations, digital consents, and other electronic records maintained by the Platform shall constitute valid evidence of your instructions and communications, to the extent permitted under applicable law.
• 5.11 Communications from Product Providers
• The Platform may receive information, reports, statements, corporate actions, transaction confirmations, alerts, or other communications from Product Providers, Registrar & Transfer Agencies (RTAs), Portfolio Managers, banks, or other regulated intermediaries.
• The Platform may forward such communications to you as a convenience. However, the Platform shall not be responsible for the accuracy, completeness, timeliness, or authenticity of information received from third parties. You are responsible for reviewing all communications and promptly notifying the relevant Product Provider of any discrepancy.
• 5.12 Communication Channels
• You consent to receiving communications relating to your Profile, Products, transactions, regulatory disclosures, service updates, security alerts, OTPs, marketing communications (where permitted), and other operational matters through email, SMS, telephone, WhatsApp, in-app notifications, push notifications, or any other electronic communication channel permitted under applicable law.
• 5.13 Recording of Communications
• To comply with regulatory requirements, improve service quality, prevent fraud, maintain audit trails, and resolve disputes, the Platform may monitor and record telephone calls, emails, chat messages, WhatsApp communications, video meetings, and other electronic communications, to the extent permitted under applicable law. Such records may be relied upon as evidence in connection with your use of the Platform and the Services.

• 6.1 Multiple Users
• Where a Profile includes more than one investor or authorized user, each such person shall be jointly and severally responsible for complying with these Terms and for all obligations arising from the use of the Platform, to the extent permitted by applicable law.
• The Platform shall be entitled to rely upon instructions submitted by the authorized Primary User in accordance with these Terms and any authorizations provided by the associated investors.
• 6.2 Third-Party Products
• The Platform facilitates access to Products offered by independent Product Providers, including but not limited to Asset Management Companies (AMCs), Portfolio Managers, banks, issuers, Registrar & Transfer Agencies (RTAs), ONDC ecosystem participants, and other regulated financial institutions or intermediaries.
• Except where expressly stated, the Platform does not manufacture, issue, manage, guarantee, insure, or underwrite any Product made available through the Platform.
• 6.3 Third-Party Risk
• The Platform shall not be liable for any delay, rejection, failure, suspension, interruption, incorrect processing, or non-execution of any transaction arising from the acts or omissions of any Product Provider, Registrar & Transfer Agency (RTA), bank, payment gateway, depository, exchange, custodian, ONDC participant, technology service provider, or any other third party beyond the reasonable control of the Platform.
• This includes, without limitation:
• delays in processing purchase, redemption, switch, transfer, or settlement requests;
• delays in allotment or redemption of units or securities;
• incorrect or delayed corporate actions, including dividends, bonuses, interest, rights, or similar benefits;
• delays in updating investor records, holdings, or statements;
• failure or interruption of banking, payment, telecommunications, internet, or technology infrastructure; and
• regulatory actions, force majeure events, or other circumstances beyond the Platform's reasonable control.
• 6.4 Investment Risk
• You acknowledge that all investments involve market risk, including the possible loss of capital.
• The Platform does not guarantee returns, preservation of capital, liquidity, suitability, or achievement of any investment objective.
• All investment decisions shall be made solely by you after considering your financial circumstances, investment objectives, and risk tolerance.
• 6.5 User Declarations
• By using the Platform, you represent and warrant that:
• you have reviewed the applicable Scheme Information Document (SID), Key Information Memorandum (KIM), Disclosure Document, Client Agreement, Offer Document, and other Product-specific documentation before investing;
• all monies invested through the Platform are derived from lawful sources and are not connected with any unlawful activity;
• you shall comply with all applicable laws relating to anti-money laundering (AML), counter-terrorist financing (CTF), sanctions, anti-corruption, taxation, foreign exchange, and other applicable regulatory requirements; and
• all declarations, consents, and information provided by you are true, accurate, and complete.
• 6.6 Foreign Remittances
• Where investments are funded through monies remitted from outside India or through NRE, NRO, FCNR, Liberalised Remittance Scheme (LRS), or any other permitted banking channels, you represent that such remittances comply with the Foreign Exchange Management Act, 1999 (FEMA), applicable RBI regulations, and all other applicable laws.
• The Platform shall not be responsible for verifying the legality or regulatory compliance of such remittances beyond the documentation or declarations required under applicable law.
• 6.7 Claims
• Any claim relating to the Services must be submitted to the Platform promptly, together with all relevant transaction details and supporting information.
• Nothing contained in these Terms shall obligate the Platform to accept liability for losses arising from market movements, Product performance, third-party actions, regulatory changes, or circumstances beyond its reasonable control.

• 7.1 General Disclaimer
• The Platform provides technology-enabled distribution, transaction facilitation, educational content, portfolio tools, and related services on a best-efforts basis. Except where liability cannot be excluded under applicable law, Index Funds Distribution Private Limited ("IFSH") shall not be liable for any loss, damage, cost, expense, claim, or liability arising directly or indirectly from your use of the Platform, the Services, or any Product.
• 7.2 Role of the Platform
• IFSH acts solely as an AMFI-registered Mutual Fund Distributor (ARN: 272159) and an APMI-registered PMS Distributor (APRN: 00741), and as a technology-enabled platform facilitating transactions with regulated Product Providers.
• IFSH does not manufacture, issue, manage, underwrite, guarantee, insure, or assume responsibility for any Product offered by any Asset Management Company (AMC), Portfolio Manager, bank, issuer, Registrar & Transfer Agency (RTA), or other Product Provider.
• 7.3 Technology & System Availability
• The Platform uses commercially reasonable efforts to provide uninterrupted access to its Services. However, IFSH does not warrant that the Platform, website, mobile application, APIs, technology infrastructure, ONDC integrations, payment systems, or third-party services will operate without interruption, delay, error, cyber incidents, unauthorized access, maintenance downtime, or technical failures.
• IFSH shall not be liable for any loss arising from failures of telecommunications networks, internet services, payment gateways, banking systems, RTAs, KRAs, ONDC participants, exchanges, depositories, technology providers, or any event beyond its reasonable control.
• 7.4 Investment Risk
• All investments involve market risk, including the possible loss of capital.
• Neither IFSH nor its directors, officers, employees, representatives, affiliates, or agents guarantees:
• investment returns;
• preservation of capital;
• achievement of financial goals;
• liquidity;
• tax outcomes;
• future performance; or
• suitability of any Product for your individual circumstances.
• Past performance, historical returns, model portfolios, hypothetical returns, back-tested performance, or simulated performance shall not be construed as a guarantee of future performance.
• 7.5 Educational Content & No Investment Advice
• The Platform may provide educational content, research reports, market commentary, calculators, portfolio analytics, AI-enabled tools, SDI (Self Directed Investing), newsletters, blogs, webinars, videos, model portfolios, and similar resources.
• Unless expressly agreed under a separate regulated engagement, such content is provided solely for informational and educational purposes and shall not constitute personalised investment advice, financial advice, legal advice, tax advice, portfolio management services, or a recommendation to buy, sell, switch, redeem, or hold any financial product.
• You remain solely responsible for evaluating the suitability of any investment and are encouraged to consult your own financial, legal, tax, or other professional advisers before making investment decisions.
• 7.6 Third-Party Information
• The Platform may display market data, NAVs, research, ratings, prices, corporate actions, financial information, news, and other information obtained from third-party sources.
• While reasonable care may be taken in presenting such information, IFSH does not warrant its accuracy, completeness, reliability, availability, or timeliness and shall not be liable for any decision made in reliance upon such information.
• 7.7 Force Majeure
• IFSH shall not be liable for any delay, interruption, suspension, or failure in performing its obligations due to events beyond its reasonable control, including natural disasters, pandemics, cyberattacks, war, terrorism, civil disturbances, labour disputes, governmental actions, regulatory changes, banking failures, telecommunications failures, internet outages, exchange closures, payment system failures, or other force majeure events.
• 7.8 Third-Party Products & Disputes
• Products made available through the Platform are offered by independent Product Providers.
• Any dispute relating to Product performance, allotment, redemption, settlement, corporate actions, Product features, or Product Provider services shall be resolved directly with the relevant Product Provider in accordance with the applicable Product documentation.
• IFSH shall not be responsible for the acts, omissions, defaults, or obligations of any Product Provider beyond the scope of its role as a distributor or facilitator.
• 7.9 Limitation of Liability
• To the maximum extent permitted by applicable law, the aggregate liability of IFSH arising out of or relating to these Terms or the Services shall not exceed the total distribution commission, referral fee, or other fees actually received by IFSH from your transactions during the twelve (12) months immediately preceding the event giving rise to such claim.
• Under no circumstances shall IFSH be liable for any indirect, incidental, consequential, exemplary, special, or punitive damages, including loss of profits, business opportunities, goodwill, anticipated savings, data, or reputation.
• Nothing contained herein shall exclude or limit any liability that cannot be excluded under applicable law.
• 7.10 Third-Party Websites & External Services
• The Platform may provide links to third-party websites, applications, APIs, payment systems, or digital services for your convenience.
• The inclusion of such links does not constitute any endorsement, recommendation, approval, or guarantee by IFSH. Your use of such third-party services shall be entirely at your own risk and subject to the terms and privacy policies of the respective third parties.
• 7.11 Separate Portfolio Management Services
• Portfolio Management Services offered through Ayan Analytics Private Limited, a SEBI-registered Portfolio Manager (Registration No. INP000007614), are governed by separate client agreements, disclosure documents, and applicable SEBI regulations.
• The responsibilities of IFSH in relation to such services are limited to its role as an APMI-registered PMS Distributor (APRN: 00741). Discretionary portfolio management decisions, custody arrangements, trading activities, and portfolio operations shall remain the responsibility of the Portfolio Manager in accordance with the applicable PMS Agreement.

• 8.1 Platform Identity
• For the purposes of these Terms, "Index Funds Sahi Hai", "IFSH", "the Platform", or "the Company" refers to Index Funds Distribution Private Limited, the owner and operator of the Index Funds Sahi Hai platform.
• 8.2 Brand Name Disclaimer
• The expressions "Sahi Hai", "Index Funds Sahi Hai", "IFSH", "Alpha on Index", "Self Directed Investing (SDI)", and "Total Market India PMS" are proprietary brand names, trademarks, trade names, or product names of the Company or its group entities and are used solely for identification, branding, and marketing purposes.
• The use of the word "Sahi Hai" does not represent, imply, or guarantee that any investment, Product, portfolio, strategy, or Service is suitable, profitable, risk-free, or appropriate for every investor. All investments are subject to market risks, including the possible loss of capital.
• 8.3 Independent Platform
• The Platform is an independent private financial services platform and is not affiliated with, sponsored by, endorsed by, approved by, or associated with the "Mutual Funds Sahi Hai" investor awareness campaign conducted by the Association of Mutual Funds in India (AMFI) under the guidance of the Securities and Exchange Board of India (SEBI).
• Except for the registrations and licences expressly disclosed by the Company, nothing contained on the Platform shall be construed as implying any endorsement, recommendation, approval, partnership, or special relationship with SEBI, AMFI, APMI, ONDC, any Asset Management Company (AMC), Portfolio Manager, Registrar & Transfer Agency (RTA), Stock Exchange, Depository, Government authority, or any regulator.
• 8.4 Regulatory Registrations
• Index Funds Distribution Private Limited operates as:
• AMFI Registered Mutual Fund Distributor (ARN: 272159).
• APMI Registered PMS Distributor (APRN: 00741).
• These registrations authorize the Company to distribute eligible financial products in accordance with applicable laws and regulations. Such registrations shall not be construed as an endorsement, certification, recommendation, or approval of the Platform, its Products, Services, investment strategies, research, or marketing content by SEBI, AMFI, APMI, or any regulatory authority.
• 8.5 Portfolio Management Services
• Portfolio Management Services made available through the Platform are provided separately by Ayan Analytics Private Limited, a SEBI Registered Portfolio Manager (Registration No. INP000007614), under independent client agreements, disclosure documents, and applicable SEBI regulations.
• "Total Market India PMS" is an exclusive discretionary Portfolio Management Service strategy of Ayan Analytics Private Limited and is governed solely by the applicable PMS Agreement and regulatory framework.
• 8.6 Intellectual Property
• All trademarks, trade names, logos, service marks, product names, software, platform designs, content, research, reports, graphics, and branding displayed on the Platform, including "Index Funds Sahi Hai", "IFSH", "Alpha on Index", "Self Directed Investing (SDI)", and "Total Market India PMS", are the intellectual property of the Company or its licensors and are protected under applicable intellectual property laws.
• No person may copy, reproduce, distribute, modify, publish, reverse engineer, or commercially exploit any part of the Platform or its intellectual property without the Company's prior written consent.

• 9.1 Electronic Records
• You acknowledge and agree that all electronic records maintained by the Platform, including but not limited to login records, audit trails, timestamps, IP addresses, device identifiers, OTP verifications, electronic consents, digital signatures, transaction logs, communication records, API logs, system-generated records, and other electronic data relating to your use of the Platform shall, to the extent permitted under applicable law, constitute valid and conclusive evidence of your instructions, transactions, communications, and use of the Services.
• 9.2 Record Retention
• The Company may retain such records for the period prescribed under applicable laws, regulatory requirements, internal policies, or as reasonably necessary for audit, compliance, fraud prevention, cybersecurity, dispute resolution, or legal proceedings.
• 9.3 Admissibility
• You acknowledge and agree that electronic records maintained by the Platform may be relied upon as evidence in any judicial, regulatory, arbitration, or other legal proceedings, subject to applicable law.

• 10.1 User Responsibility
• You represent and warrant that all information, documents, declarations, and instructions provided to the Platform are true, accurate, complete, current, and not misleading.
• You agree to promptly update your Profile whenever there is any change to your personal details, contact information, bank account, nominee, tax residency, KYC information, FATCA/CRS declarations, or any other information relevant to the Services.
• 10.2 Reliance on Information
• The Company shall be entitled to rely upon the information, documents, declarations, and instructions provided by you without any independent verification, except where verification is required under applicable law or internal compliance policies.
• The Company shall not be liable for any loss, delay, rejection, regulatory action, or other consequence arising from inaccurate, incomplete, outdated, false, or misleading information provided by you.
• 10.3 Right to Seek Additional Information
• The Company may, at any time, request additional information, documents, declarations, or verification to comply with applicable laws, regulatory requirements, anti-money laundering (AML), counter-terrorist financing (CTF), fraud prevention, cybersecurity, tax reporting, or internal risk management policies.
• Failure to provide the requested information within the prescribed time may result in the suspension, restriction, rejection, or termination of your access to the Platform or any of the Services without liability to the Company.

• 11.1 Contact Details
• You are responsible for ensuring that your registered email address, mobile number, residential address, and other contact details remain accurate and up to date at all times.
• Any notice, communication, statement, confirmation, alert, disclosure, or other correspondence sent by the Company to your registered contact details or made available through the Platform shall be deemed to have been duly delivered.
• 11.2 Electronic Communications
• You consent to receive communications electronically, including through email, SMS, push notifications, in-app notifications, secure messages within the Platform, WhatsApp (where permitted by applicable law), or any other electronic communication channel approved by the Company.
• The Company may also make statements, transaction confirmations, portfolio reports, regulatory disclosures, notices, and other communications available through your registered Profile on the Platform.
• 11.3 Communication Monitoring
• To the extent permitted under applicable law, the Company may monitor, record, retain, and review telephone conversations, electronic communications, chat messages, emails, and other communications for quality assurance, customer support, fraud prevention, cybersecurity, dispute resolution, regulatory compliance, training, and record-keeping purposes.
• 11.4 Review of Statements & Notifications
• You are responsible for promptly reviewing all transaction confirmations, statements, alerts, and other communications received from the Company or made available through the Platform.
• If you identify any discrepancy, unauthorized transaction, or error, you must notify the Company in writing within ten (10) calendar days of the communication being sent or made available. If no objection is received within such period, the communication or transaction shall, to the extent permitted by applicable law, be deemed accepted by you without prejudice to any rights that cannot be waived under law.
• 11.5 Promotional Communications
• By registering on the Platform, you consent to receive service-related communications necessary for the operation of your Profile and the Services.
• You may also receive promotional, educational, or marketing communications where permitted under applicable law. You may opt out of non-essential promotional communications at any time; however, service-related, regulatory, security, and transactional communications will continue to be sent as required.
• 11.6 Change of Contact Information
• You shall promptly notify the Company of any change in your contact details. The Company shall not be responsible for any loss, delay, failed delivery, or other consequence arising from your failure to maintain accurate and current contact information.

• 12.1 Consent to Use Information
• You authorize the Company to collect, use, process, store, and share your information for the purpose of creating and maintaining your Profile, facilitating transactions, providing the Services, complying with applicable laws, improving the Platform, preventing fraud, managing risk, and fulfilling regulatory obligations, in accordance with these Terms and the Privacy Policy.
• 12.2 Transaction Authorisation
• By submitting any transaction, instruction, or request through the Platform, you authorize the Company, directly or through its authorised technology partners, service providers, or intermediaries, to:
• transmit your transaction requests, instructions, and related data to the relevant Product Providers, Registrars & Transfer Agents (RTAs), KYC Registration Agencies (KRAs), payment systems, banks, depositories, exchanges, ONDC participants, or other authorised entities for processing;
• transmit your KYC records, FATCA/CRS declarations, nominee details, bank details, signatures, mandates, and other information required for processing your transactions;
• receive confirmations, holdings, transaction status, portfolio information, statements, and other records from Product Providers and display or communicate such information through the Platform;
• perform all acts reasonably necessary to facilitate your authorised transactions and provide the Services.
• 12.3 Regulatory Compliance
• You authorize the Company to collect, verify, retain, and disclose information where required under applicable laws, including KYC, AML, CTF, FATCA, CRS, taxation, fraud prevention, cybersecurity, regulatory reporting, court orders, or lawful requests from regulatory or governmental authorities.
• 12.4 Incomplete Compliance Requirements
• Where your KYC, identity verification, bank verification, FATCA/CRS declaration, or any other regulatory requirement remains incomplete or becomes non-compliant, you acknowledge that the relevant Product Provider may reject, suspend, restrict, redeem, or otherwise deal with your investments in accordance with applicable laws, Scheme Documents, or regulatory requirements. The Company shall not be responsible for such actions taken by the Product Provider.
• 12.5 Service & Marketing Communications
• You authorize the Company to contact you regarding your Profile, transactions, customer support, regulatory updates, security alerts, product information, educational content, service improvements, and other communications relating to the Platform.
• Where permitted under applicable law, the Company may also send promotional or marketing communications. You may opt out of non-essential marketing communications at any time; however, service-related, regulatory, security, and transactional communications will continue to be sent as necessary.
• 12.6 Data Sharing
• You authorize the Company to share your information, on a need-to-know basis and subject to applicable laws, with its affiliates, technology service providers, payment partners, Registrars & Transfer Agents (RTAs), KYC Registration Agencies (KRAs), Asset Management Companies (AMCs), Portfolio Managers, banks, custodians, depositories, ONDC participants, auditors, regulators, statutory authorities, and other authorised entities for the purpose of providing the Services, regulatory compliance, fraud prevention, cybersecurity, dispute resolution, audit, and operational support.
• 12.7 Privacy
• All collection, processing, storage, sharing, retention, and protection of your personal information shall be governed by the Company's Privacy Policy, which forms an integral part of these Terms.

• 13.1 User Indemnity
• You agree to indemnify, defend, and hold harmless Index Funds Distribution Private Limited ("Company"), its promoters, directors, officers, employees, affiliates, agents, contractors, technology partners, and service providers from and against any claims, losses, damages, liabilities, penalties, costs, expenses, or demands (including reasonable legal fees) arising out of or relating to:
• your breach of these Terms, the Privacy Policy, or any applicable law;
• any inaccurate, false, incomplete, or misleading information, declaration, or document submitted by you;
• your misuse of the Platform or the Services;
• your violation of any intellectual property, privacy, contractual, or other legal rights of any person;
• any unauthorized access to or use of your Profile resulting from your failure to maintain the confidentiality of your login credentials or authentication methods; or
• any act, omission, instruction, negligence, fraud, or wilful misconduct on your part.
• 13.2 Reliance on Instructions
• The Company shall not be liable for acting in good faith upon any instruction, transaction request, consent, authentication, or communication received through your registered Profile or any authorised communication channel. You agree to indemnify the Company against any loss arising from reliance upon such instructions, except where such loss is directly attributable to the Company's gross negligence, fraud, or wilful misconduct.
• 13.3 Third-Party Claims
• You agree to indemnify and hold harmless the Company against any claim brought by any third party arising from your use of the Platform, your transactions, your breach of these Terms, or your violation of any applicable law or third-party rights.
• 13.4 Survival
• The obligations contained in this Section shall survive the suspension, closure of your Profile, termination of the Services, or termination of these Terms.

• 14.1 User Responsibility
• You acknowledge that all tax consequences arising from your investments or transactions shall be your sole responsibility and shall be governed by the applicable laws of India and, where applicable, the laws of your country of residence or tax residency.
• 14.2 No Tax Advice
• The Company does not provide tax, accounting, legal, or regulatory advice. You should obtain independent professional advice before making investment decisions or undertaking transactions through the Platform.
• 14.3 Regulatory Declarations
• You agree to provide complete, accurate, and timely information relating to your tax residency, FATCA, CRS, beneficial ownership, source of funds, KYC, AML, CTF, sanctions compliance, and any other declarations required under applicable laws or regulatory requirements.
• You shall promptly notify the Company of any material change in such information.
• 14.4 Regulatory Reporting
• Where required under applicable law, the Company may collect, verify, retain, process, and disclose your information to regulators, tax authorities, Product Providers, KYC Registration Agencies (KRAs), government authorities, or other authorised entities for compliance with applicable laws, including FATCA, CRS, AML, CTF, taxation, sanctions, and other regulatory obligations.
• 14.5 Failure to Provide Information
• Failure to provide accurate or timely information or supporting documents may result in delayed processing, rejection of transactions, suspension of Services, restriction of your Profile, redemption or freezing of investments where required by law, or reporting to the relevant authorities, without liability to the Company.
• 14.6 Changes in Law
• You acknowledge that tax laws, regulatory requirements, reporting obligations, and compliance standards may change from time to time. The Company may modify its processes, documentation requirements, declarations, or Services to comply with such changes without prior notice, to the extent permitted by applicable law.

• 15.1 Platform Services
• Unless expressly stated otherwise, registration, Profile creation, and access to the Platform for Mutual Fund distribution services are currently provided without any platform fee being charged by the Company.
• The Company reserves the right to introduce, modify, revise, or discontinue fees for any existing or future products, services, subscriptions, premium features, research, analytics, technology tools, or other value-added services by providing prior notice through the Platform or by any other legally permissible means.
• 15.2 Distribution Commission
• You acknowledge and agree that Index Funds Distribution Private Limited, in its capacity as an AMFI-registered Mutual Fund Distributor (ARN: 272159) and an APMI-registered PMS Distributor (APRN: 00741), may receive commissions, brokerage, trail commissions, referral fees, distribution fees, or other remuneration from Product Providers in accordance with applicable laws, regulations, and industry practices.
• Such remuneration shall not result in any additional charge to you unless expressly disclosed.
• 15.3 Portfolio Management Services
• Where you avail Portfolio Management Services offered by Ayan Analytics Private Limited, a SEBI-registered Portfolio Manager (Registration No. INP000007614), all management fees, performance fees, custody charges, brokerage, statutory levies, taxes, and other applicable charges shall be governed exclusively by the Portfolio Management Agreement, Disclosure Documents, and applicable SEBI regulations.
• 15.4 Third-Party Charges
• You acknowledge that Product Providers, banks, payment gateways, custodians, depositories, exchanges, Registrars & Transfer Agents (RTAs), or other third-party service providers may levy charges, taxes, statutory levies, or other fees in accordance with their respective terms and applicable laws.
• The Company shall not be responsible for determining or collecting such charges unless expressly required under applicable law.
• 15.5 Taxes
• All applicable taxes, duties, statutory levies, or governmental charges relating to any Product or Service shall be borne by the person upon whom such liability is imposed under applicable Law.

• 16.1 Payment Methods
• The Platform may facilitate payments through authorised payment service providers and banking channels, including but not limited to UPI, Net Banking, NACH/eNACH mandates, NEFT, RTGS, IMPS, debit mandates, payment gateways, and such other electronic payment methods as may be made available from time to time.
• 16.2 User Authorisation
• By initiating a payment through the Platform, you authorise the Company and its authorised payment partners to process your payment instructions solely for the purpose of completing your authorised transactions.
• 16.3 Third-Party Payment Services
• Electronic payment services are provided by independent banks, payment gateways, payment aggregators, and other regulated service providers. The Company does not control or guarantee the availability, speed, settlement, or uninterrupted operation of such services and shall not be liable for delays, failures, reversals, rejections, duplicate processing, or other issues arising from such third-party systems.
• 16.4 User Responsibility
• You are responsible for ensuring that your payment instructions, bank account details, mandates, and authentication credentials are accurate, valid, and authorised. The Company shall not be responsible for losses arising from incorrect payment details, insufficient funds, unauthorised access resulting from your negligence, or errors attributable to third-party payment service providers.
• 16.5 Transaction Limits
• Payments shall remain subject to limits, validations, security checks, and regulatory requirements imposed by banks, payment service providers, Product Providers, or applicable law. The Company may suspend, reject, or delay any payment or transaction where required for security, fraud prevention, operational, legal, or regulatory reasons.
• 16.6 Modification or Withdrawal
• The Company may add, modify, suspend, or discontinue any payment facility or payment partner at any time to comply with operational, legal, regulatory, or security requirements.

• 17.1 Limited Licence
• Subject to these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Platform solely for your personal, lawful, and non-commercial use in connection with the Services.
• No ownership rights in the Platform, software, content, or intellectual property are transferred to you.
• 17.2 Ownership
• The Platform, including its software, source code, algorithms, databases, user interface, designs, content, research, reports, graphics, logos, trademarks, service marks, product names, and other intellectual property, are owned by the Company or its licensors and are protected under applicable intellectual property laws.
• 17.3 Prohibited Use
• You shall not, directly or indirectly:
• copy, reproduce, modify, distribute, publish, sell, license, or commercially exploit any part of the Platform;
• reverse engineer, decompile, disassemble, scrape, crawl, or attempt to extract the source code, algorithms, databases, or underlying technology of the Platform;
• interfere with, disrupt, damage, overload, or compromise the security, integrity, or availability of the Platform;
• upload, transmit, or distribute malware, viruses, ransomware, malicious code, spam, or other harmful content;
• use the Platform for any unlawful, fraudulent, misleading, abusive, defamatory, obscene, or infringing activity;
• impersonate another person or provide false or misleading information;
• infringe the intellectual property, privacy, contractual, or other legal rights of any person; or
• use automated bots, scripts, crawlers, artificial intelligence agents, or similar technologies to access, monitor, extract, or misuse the Platform without the Company's prior written consent.
• 17.4 Compliance with Laws
• You shall use the Platform only in accordance with these Terms and all applicable laws, regulations, and governmental requirements.
• 17.5 Suspension or Termination
• The Company may suspend, restrict, or terminate your access to the Platform, with or without prior notice, where it reasonably believes that you have violated these Terms, applicable law, regulatory requirements, or where such action is necessary to protect the Platform, its users, or the Company's legal or regulatory obligations.
• 17.6 Reservation of Rights
• Except for the limited licence expressly granted under these Terms, all rights, title, and interest in and to the Platform and its intellectual property remain exclusively vested in the Company and its licensors.

• 18.1 User Content
• "User Content" means any information, documents, declarations, communications, images, files, feedback, forms, KYC documents, financial information, or other materials submitted, uploaded, transmitted, or otherwise provided by you through the Platform.
• 18.2 Responsibility
• You are solely responsible for the accuracy, legality, completeness, authenticity, and ownership of all User Content submitted through the Platform.
• You represent and warrant that you have all necessary rights, permissions, and authority to submit such User Content and that it does not violate any applicable law or the rights of any third party.
• 18.3 Licence to Use
• You grant the Company a non-exclusive, worldwide, royalty-free licence to collect, store, process, reproduce, transmit, and use your User Content solely for the purpose of providing the Services, complying with applicable laws and regulatory requirements, fraud prevention, customer support, dispute resolution, audit, security, and other purposes described in these Terms and the Privacy Policy.
• 18.4 Company Responsibility
• The Company does not assume ownership of your User Content and shall not be responsible for verifying its accuracy or completeness, except where required under applicable law or regulatory obligations.
• 18.5 Removal or Restriction
• The Company may remove, reject, restrict access to, or refuse to process any User Content that it reasonably believes is unlawful, fraudulent, inaccurate, misleading, malicious, infringes the rights of any person, or violates these Terms or applicable law.
• 18.6 Backup & Retention
• You are responsible for retaining copies of documents and information submitted through the Platform where appropriate. The Company may retain or delete User Content in accordance with applicable laws, regulatory requirements, record-retention obligations, and the Privacy Policy.

• 19.1 Platform Availability
• The Platform and Services are provided on an "as is" and "as available" basis. While the Company uses commercially reasonable efforts to maintain the availability, integrity, and security of the Platform, it does not warrant that the Platform or Services will be uninterrupted, error-free, secure, or available at all times.
• 19.2 Security
• The Company implements commercially reasonable technical, organisational, and security measures to protect the Platform and user information. However, no internet-based system or electronic transmission is completely secure, and the Company does not guarantee that the Platform will be free from cyberattacks, malware, viruses, hacking, unauthorised access, system failures, or other security incidents beyond its reasonable control.
• 19.3 Third-Party Infrastructure
• The availability of the Platform depends on third-party infrastructure, including internet service providers, cloud hosting providers, payment service providers, Registrars & Transfer Agents (RTAs), banks, ONDC network participants, and other technology partners. The Company shall not be liable for interruptions, delays, failures, or errors caused by such third-party systems.
• 19.4 No Investment Warranty
• The Company does not warrant or guarantee the suitability, performance, profitability, returns, or outcome of any Product, investment strategy, portfolio, or financial decision made by you through the Platform.
• 19.5 No Other Warranties
• Except as expressly provided in these Terms or required under applicable law, the Company disclaims all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, and uninterrupted availability of the Platform or Services.

• 20.1 Confidential Information
• Each Party may receive confidential or proprietary information from the other Party in connection with the use of the Platform or the Services ("Confidential Information"). Confidential Information includes, without limitation, business information, customer information, research, investment methodologies, portfolio construction models, software, algorithms, APIs, source code, technical documentation, trade secrets, pricing, financial information, product designs, operational processes, and other non-public information.
• Each Party agrees to maintain the confidentiality of such information, use it only for the purposes contemplated under these Terms, and not disclose it to any third party except as permitted under these Terms or required by applicable law.
• 20.2 Exceptions
• The confidentiality obligations shall not apply to information that:
• is or becomes publicly available without breach of these Terms;
• was lawfully known to the receiving Party before disclosure;
• is lawfully obtained from a third party without any confidentiality obligation;
• is independently developed without reference to the Confidential Information; or
• is required to be disclosed under applicable law, court order, or by any regulatory authority, provided that reasonable notice is given where legally permissible.
• 20.3 Survival
• The obligations under this Section shall survive the termination or expiry of these Terms.
• 20.4 Governing Law
• These Terms shall be governed by and construed in accordance with the laws of India.
• 20.5 Dispute Resolution
• The Parties shall endeavour to resolve any dispute arising out of or relating to these Terms through good-faith discussions.
• If the dispute is not resolved within thirty (30) days, it shall be referred to arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 1996, as amended from time to time.
• The arbitral tribunal shall consist of a sole arbitrator appointed by mutual agreement of the Parties. If the Parties are unable to agree upon the appointment, the arbitrator shall be appointed in accordance with the Arbitration and Conciliation Act, 1996.
• The arbitration proceedings shall be conducted in English.
• 20.6 Seat and Jurisdiction
• The seat and venue of arbitration shall be Mumbai, Maharashtra, India.
• Subject to the arbitration provisions above, the courts at Mumbai shall have exclusive jurisdiction over all matters arising out of or relating to these Terms, including applications for interim or injunctive relief.

• 21.1 User-Initiated Deactivation
• You may request the deactivation of your Platform profile at any time by following the process prescribed by the Company.
• Deactivation of your Platform profile shall not automatically redeem, transfer, or close any investments, mutual fund folios, mandates, securities, or financial products maintained with Product Providers.
• Where you have availed Portfolio Management Services offered by Ayan Analytics Private Limited, termination of the PMS relationship shall be governed exclusively by the applicable Portfolio Management Agreement, SEBI (Portfolio Managers) Regulations, and the policies of the Portfolio Manager, custodian, and depository participant. Closure of the PMS relationship may require submission of prescribed forms, written instructions, execution of closure documents, settlement of outstanding fees and statutory dues, transfer or liquidation of securities, closure or transfer of custodian and demat accounts, and completion of such other formalities as may be required under applicable law.
• 21.2 Suspension or Termination by the Company
• The Company may suspend, restrict, or terminate your access to the Platform or any of the Services, with or without prior notice, where it reasonably believes that:
• you have violated these Terms or applicable law;
• information or documents provided by you are false, misleading, inaccurate, incomplete, or fraudulent;
• continued access may expose the Company, Product Providers, or other users to legal, regulatory, operational, security, or financial risk;
• such action is required by any regulator, court, governmental authority, or applicable law; or
• the Services are discontinued or modified.
• 21.3 Effect of Termination
• Termination or deactivation of your Platform profile shall terminate your access to the Services offered through the Platform but shall not affect:
• transactions already executed;
• rights and obligations accrued before termination;
• records required to be retained under applicable law; or
• rights and obligations arising under separate agreements with Product Providers or Ayan Analytics Private Limited.
• 21.4 Survival
• The provisions relating to intellectual property, confidentiality, privacy, records, indemnity, limitation of liability, dispute resolution, regulatory compliance, and any other provisions intended by their nature to survive shall continue in full force notwithstanding the termination or expiry of these Terms.

• 22.1 Force Majeure
• The Company shall not be liable for any failure, interruption, delay, suspension, or inability to perform any of its obligations under these Terms where such failure results, directly or indirectly, from events beyond its reasonable control ("Force Majeure Event"), including but not limited to:
• natural disasters, floods, earthquakes, fires, epidemics, pandemics, or other acts of God;
• war, terrorism, civil unrest, riots, strikes, lockouts, labour disputes, or acts of public authorities;
• changes in applicable laws, regulations, regulatory directives, governmental orders, or actions of SEBI, AMFI, APMI, RBI, stock exchanges, depositories, or other competent authorities;
• failure, interruption, or unavailability of electricity, telecommunications, internet services, cloud infrastructure, hosting providers, payment gateways, banking systems, ONDC network participants, Registrars & Transfer Agents (RTAs), custodians, depositories, exchanges, or other third-party service providers;
• cyberattacks, hacking, ransomware, malware, viruses, denial-of-service attacks, data centre failures, system failures, or other technology disruptions beyond the Company's reasonable control; or
• any other event beyond the reasonable control of the Company.
• 22.2 Suspension of Obligations
• During the continuance of a Force Majeure Event, the Company's affected obligations under these Terms shall remain suspended to the extent of such event. The Company shall use commercially reasonable efforts to resume the affected Services as soon as reasonably practicable after the Force Majeure Event ceases.
• 22.3 Limitation of Liability
• The Company shall not be liable for any loss, damage, delay, failed transaction, or inability to provide the Services arising directly or indirectly from any Force Majeure Event.

• 23.1 Right to Modify
• The Company may amend, update, replace, or modify these Terms, the Platform, the Services, features, policies, or any related documentation from time to time to reflect changes in applicable laws, regulatory requirements, technology, business operations, security practices, or the Services offered.
• 23.2 Notice of Changes
• Any revised Terms shall be published on the Platform and shall become effective from the date specified therein. Where required under applicable law or where the changes materially affect your rights or obligations, the Company may also notify you through email, SMS, in-app notification, or any other communication channel registered with the Company.
• 23.3 Continued Use
• Your continued access to or use of the Platform or the Services after the revised Terms become effective shall constitute your acceptance of such revised Terms. If you do not agree to the revised Terms, you must discontinue using the Platform and the Services.
• 23.4 No Waiver
• The failure or delay by the Company in exercising any right or remedy under these Terms shall not constitute a waiver of such right or remedy.

• 24.1 Entire Agreement
• These Terms, together with the Privacy Policy, applicable Product-specific terms, and any supplemental agreements entered into by you, constitute the entire agreement between you and the Company in relation to your use of the Platform and the Services.
• 24.2 Binding Effect
• These Terms shall be binding upon and shall inure to the benefit of the Parties and, where applicable, their respective legal heirs, successors, permitted assigns, and legal representatives.
• 24.3 Severability
• If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or competent authority, the remaining provisions shall continue in full force and effect.
• 24.4 Assignment
• You may not assign, transfer, or otherwise deal with any of your rights or obligations under these Terms without the prior written consent of the Company.
• The Company may assign or transfer its rights or obligations under these Terms to any affiliate, successor, or permitted assignee, subject to applicable law.
• 24.5 Regulatory Compliance
• You agree to provide such declarations, information, documents, authorisations, or confirmations as may be required by the Company, Product Providers, regulators, Registrars & Transfer Agents (RTAs), custodians, depositories, payment service providers, or any governmental authority for compliance with applicable laws, regulatory requirements, KYC, Anti-Money Laundering (AML), FATCA, CRS, sanctions screening, fraud prevention, or other statutory obligations.
• Failure to provide such information or documents within the prescribed time may result in suspension or restriction of the Services until the applicable requirements are satisfied.
• 24.6 Product-Specific Terms
• Certain Products or Services may be governed by additional agreements, disclosure documents, scheme documents, Portfolio Management Agreements, or other Product-specific terms.
• In the event of any inconsistency, the Product-specific terms shall prevail to the extent of such inconsistency.
• 24.7 Electronic Records
• Electronic records, communications, consents, acknowledgements, and transaction logs maintained by the Company shall constitute valid records to the extent permitted under applicable law.
• 24.8 Survival
• Any provision which by its nature is intended to survive termination or expiry of these Terms, including without limitation provisions relating to confidentiality, intellectual property, privacy, records, indemnity, limitation of liability, dispute resolution, regulatory compliance, and payment obligations, shall continue to remain in full force and effect.

• 1. User Registration
• 1.1 To access the Portal, you must register by providing basic information including your full name (as per PAN), mobile number, email address and other details as requested ("User Information").
• 1.2 Your identity will be verified through One-Time Password (OTP) authentication sent to your registered mobile number, email address or any other authentication mechanism adopted by IFSH from time to time.
• 1.3 Upon successful verification, your Profile will be created on the Portal. The registration process is completely digital and paperless.
• 2. Profile Verification
• 2.1 Depending on the Services you choose to use, you may be required to provide additional information including:
• PAN
• Date of Birth
• Residential Status
• Bank Account Details
• FATCA/CRS Declarations
• Occupation and Income Details
• Nomination Details (where applicable)
• Any other information required under applicable laws.
• 2.2 You authorize IFSH to retrieve and verify your KYC information from one or more KYC Registration Agencies (KRAs), RTAs, depositories or any other authorised databases, wherever permitted under applicable regulations.
• 2.3 Information available through KRA or other authorised databases may be automatically populated into your Profile. You shall verify such information and notify IFSH of any inaccuracies.
• 2.4 Where required, you may be asked to upload supporting documents including proof of identity, address, bank proof, cancelled cheque, PAN or any other documents required for regulatory or operational purposes.
• 2.5 Electronic signatures, Aadhaar-based authentication (where applicable), OTP verification or other legally recognised digital consent mechanisms shall constitute valid authorization for creation and operation of your Profile.
• 3. Platform Technology
• 3.1 The Portal operates through regulated technology infrastructure and APIs provided by authorised service providers, including Registrar & Transfer Agent (RTA) infrastructure and ONDC-compatible technology wherever applicable.
• 3.2 Transaction processing, KYC verification, payment processing, mandate registration and other operational activities may be facilitated through regulated third-party service providers engaged by IFSH.
• 4. Additional Verification
• 4.1 IFSH may request additional information or documentation at any time to comply with applicable laws, regulatory requirements, AML, KYC, FATCA/CRS obligations or internal risk management policies.
• 4.2 Failure to provide the requested information may result in suspension, restriction or discontinuation of some or all Services.

• 23.1 - Currently, INDEX FUNDS SAHI HAI does not facilitate account opening or onboarding of HUF (Hindu Undivided Family) accounts.
• 23.2 - HUF accounts may be enabled in the future, subject to applicable regulatory requirements, internal processes, and availability of the necessary infrastructure.
• 23.3 - Any update regarding availability of HUF account onboarding will be communicated through appropriate channels.