Effective date: 15 December 2015

This document is an electronic record in terms of Information Technology Act, 2000 and rules made there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and Terms and Conditions for access or usage of www.orowealth.com website or its iOS and android applications.

The domain name ‘www.orowealth.com’ (hereinafter referred to as "Website" or "the Site") is owned and operated by Alpha Fintech Private Limited and its subsidiaries ("Company", "Oro", "we", "us", "Orowealth", "ORO Wealth") , a company incorporated under the Companies Act, 2013. Your access to the Site is subject to the terms, conditions and disclaimers appearing on the Site ("Terms and Conditions"), and all applicable laws. By accessing, browsing and/or using the Site, you accept, without limitation or qualification, the Terms and Conditions, which together with our privacy policy and any other applicable policies which are incorporated herein by way of reference or available by hyperlink on the Site, shall govern Oro’s relationship with you in relation to this Site. Accessing Oro on its online technology platform through any medium, including but not limited to the website, on mobile phones and such other devices, is also subject to these Terms & Conditions. These Terms & Conditions supersede all previous oral and written terms and conditions (if any) communicated to you and shall act as an Agreement between Oro and users.

Minimum Age: You must be 18 years of age or older to use the Site. It is not intended for those under the age of 18. You represent and warrant that you are 18 years of age or older and are fully able and competent to enter into, and abide by, the contract created by the Terms and Conditions.

Terms and Conditions Cover All Users: By using the Site, you agree to be bound by the Terms and Conditions, whether you are a "visitor" (which means that you simply browse the Site) or you are a "registered user" (which means that you have an Investment Account with the Site to avail the Services or any part thereof, as provided on the Site). Each time you use the Site, the current version of the Terms and Conditions will apply. Accordingly, when you use the Site, you should check and review any changes since the last version. Please review carefully all of the Site's Terms and Conditions before agreeing to them and accessing the Site by reading through all of the sections appearing below and reviewing all of the linked Terms and Conditions:

  1. Definitions

    1. "AMC" shall mean and include Asset Management Company.
    2. "Oro" or "us" or "we" or "our" or "Orowealth" or "Company" shall mean and refer to Alpha Fintech Pvt Limited. and its subsidiaries
    3. "User/user", "You/you", "Your/your" means any person or visitor or registered user who views, browses, accesses or uses the Site.
    4. "Use" or "Using" means to browse, access, view, copy, availing Services or other benefit from using the Site;
    5. "Services" means the service of access to the distribution network of Oro through its online technology platform for the purchase, switch and redemptions of units of mutual funds listed on the Oro Website by users, on the terms and conditions as mentioned.
    6. "Force Majeure Event" means any event due to any cause beyond the reasonable control of Oro, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.
    7. "The Site" or "Website" or "Oro Website" means www.orowealth.com which includes, any other platform where the Site can be accessed from on mobile phones and such other devices, like, mobile application (whether or not on android or IOS) or any other platform as provided by Oro.
    8. "Registered User/Registered user/ registered user" shall mean and include the visitors who have Investment Account with the Site to avail the Services or any part thereof, as provided on the Site.
    9. "SIP" shall mean Systematic Investment Plans.
    10. "NAV" shall mean Net Asset Value.
    11. "Account" shall mean the account opened with Oro by registered users, for use of the Site or making investment through the Site.
    12. "Vendors" shall mean all third-party service providers employed by either Oro or AMCs to deliver Services to users. Such vendors include, but are not limited to payment gateway provider, web-based transactions aggregator etc.
  2. Website Use

    User acknowledges that in accessing and using the Services offered by Oro, user may utilize the content and Services offered on the Oro website. User agrees to follow the terms and conditions for the use of Oro website as may be specified on the Site from time to time. Notwithstanding such acceptance of the Oro website Terms, user acknowledges and agrees to the following, that:

    1. Oro is a SEBI registered investment advisor (INA000005549 and INA000010089)
    2. User Investment Account will be activated after Oro completes the verification process on the personal information provided at the time of enrolment and in accordance with the.
      1. Know Your Client ("KYC") guidelines issued by the Securities and Exchange Board of India ("SEBI").
      2. Common Account Number ("CAN") requirements as prescribed by AMCs and/or their vendors.
    3. User shall not to copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer or in any way exploit any part of any information, content, materials, services available from or through the Site, except that which user may download for personal, non‐commercial use.
    4. User will not use the Site for any purpose that is unlawful, or prohibited by these Terms. User also agree that user will not use the Site in any manner that could damage, disable or impair the Site or interfere with any other person’s use or enjoyment of Oro website.
    5. The software and hardware underlying the Site as well as other internet related software which are required for accessing the Site are the legal property of the respective vendors. The permission given by Oro to access the Websites will not convey any proprietary or ownership rights in the above software/ hardware. User agree that User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software/hardware underlying the Site or create any derivative product based on the software / hardware.
    6. The data and information provided on the Site does not constitute advice and shall not be relied upon by the user while making investment decisions.
    7. Oro does not, and is not obliged to, offer all mutual fund schemes for investment. By limiting the number of schemes on the Site, Oro does not make any representation as to the quality, bona fides or nature of any AMC or mutual fund scheme, or any other representation, warranty or guaranty, express or implied.
    8. User agrees that the information and assistance provided on the Oro website are true to the knowledge of Oro and should not be construed as investment advice, and that Oro shall have no liability for any discrepancy in any such information or assistance.
    9. Oro is not responsible for the availability of content or other services on third party sites linked from the Oro website. User agrees and is aware that access of hyperlinks to other internet sites are at user’s own risk and the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored or endorsed by Oro in any way. Oro does not make any warranties and expressly disclaims all warranties express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non‐ infringement with respect to any information or services or products that are available or advertised or sold through these third party websites.
    10. Oro has the absolute discretion to amend or supplement any of the Oro website Terms at any time without prior notice for such changes. Any such amendment shall be effective immediately. It shall be User’s responsibility to review these Terms and Conditions periodically for any updates/changes.
    11. An account may be created offline, without accessing the Oro website. In the event User creates an investment account offline, user understands and acknowledges that these Terms and Conditions for use of the Oro website will continue to be applicable to user for the use of the Services.
    12. Mere use of the Website, shall be construed as your intent to contract with us and shall constitute your binding obligations, with us.
    13. User understands that it is user’s responsibility to check the Oro website Terms carefully before accessing or using or transacting on our website.
    14. As long as User complies with these Terms and Conditions, we grant user a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site. User acknowledges and understands that use of the Site shall be at your own risk and has the discretion of not using the Site.
    15. Oro shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of the Oro to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event and in such case its obligations shall be suspended for so long as the Force Majeure event continues.
    16. All information, content, materials, products (including, but not limited to text, content, photographs, graphics, video and audio content) on the Oro website is protected by copyright in the favour of Oro under applicable copyright laws and is also protected otherwise under general intellectual property law.
    17. All information submitted by user to Oro whether through the Oro website or otherwise shall be deemed to be the property of Oro, and Oro shall be free to use any ideas, concepts, know‐how or techniques provided by such users at the Oro website, in any manner whatsoever.
    18. Not all the products and services offered on Oro’s website are available in all geographic areas and user may not be eligible for all the products or services offered by Oro on the Site. Oro reserves the right to determine the availability and eligibility for any product or service.
  3. Availing of Services

    Service(s) shall be availed in accordance with the Terms and Conditions mentioned herein. User agree that Oro and / or the mutual fund and/or the vendors may at their sole discretion vary the terms and conditions or withdraw any of the facilities provided herein from time to time. User hereby irrevocably and unconditionally grants no objection to Oro and the respective mutual funds and their vendors to collate the transaction details relating to the investments in mutual fund units done by user on the online technology platform of Oro and transmit such transaction data to the concerned AMC / mutual fund or vendors for further processing of user transactions.

  4. Registration of the User

    Access to the distribution network of Oro for the transactions of purchase, switch and redemption of mutual fund units will be granted by Oro only to registered users of Oro, post the enrolment for the Services. User agrees and acknowledges that the Services provided herein are presently available in respect of select Mutual Funds only with whom or with whose vendors Oro has entered into a separate arrangement. Registered users will be able to only purchase, redeem and switch mutual fund units through this service.

    User shall provide the required details and the documents for the purpose of the registration and enrolment:

    1. For the purpose of registering on the Site:
      1. Name, Email address and Mobile number to be provided.
      2. Password to be created.
      3. Third party account credentials in case the user decides to sign in to Services through a third party site or service.
    2. In case the user is not compliant with SEBI Know Your Client ("KYC") guidelines and/or does not have a Common Account Number ("CAN") then, either some or all of the following details and documents may be required for the purpose of enrolment and using the Services of Oro:
      1. Pan Card details
      2. Address Proof
      3. Bank Account Details
      4. Bank Account proof
      5. KYC proof

    The above provided information/details shall be uploaded by the User in soft copy form on the Website at the time of enrolment. Once the information is received by Oro, Oro shall co-ordinate with the User, for obtaining self-attested hard copies from the registered users. Upon completion of the attestation requirements, the documents shall be provided to the concerned regulatory authority/AMCs or their vendors for the purpose of opening an account for the transaction to be made by the users.

    Kindly Note: In the event, if any discrepancy is found, in any of the information provided by the user, for example, information in any of the documents provide does not match with the adjoining documents, such mismatch shall lead to the rejection of the documents. The privacy of the documents provided or any such personally identifiable information provided to Oro, shall be maintained in accordance to the privacy policy of the website.

    User agree and understand that no change of address, mobile no., e‐mail id and / or bank details can be allowed for such accounts, unless a duly signed hard copy of such written request is sent to the AMC / Mutual Funds or their vendors for signature verification and other formalities. User agree that any and / or all information that may be provided by you to Oro from time to time, including but not limited to contact information, address and tax‐related information or any other information required under existing or future KYC, CAN or other norms and laws, may be shared by Oro with the mutual funds/AMCs or their vendors, legal and tax consultants in compliance with the extant legal provisions from time to time.

    There may be an exit load applicable to certain mutual fund schemes which is mentioned in the respective offer documents including Scheme Information Document (SID) /Key Information Memorandum (KIM) and addendums issued thereto from time to time (collectively referred to as "scheme related documents"). User shall read all the scheme related documents before investing.

    Investments from persons from the country other than India may not be permitted in certain mutual funds. Oro/ AMCs/ their vendors/their respective trustee companies shall not be liable for rejection of an application by mutual funds, where the investor is a person from a country other than India or such other prohibited investor as may be specified in the respective scheme related documents from time to time.

    Purchase requests made through Oro’s online technology platform shall be processed by the respective mutual funds/AMCs only after funds sufficient to cover the purchase price and other costs and charges have been received by the respective mutual funds/AMCs. Payments towards the purchase price and other costs and charges shall be made by the registered users directly in the name of the respective mutual fund scheme(s) through the payment gateway made available by Oro and/or vendors. If for any reason the mutual fund is unable to allow a transaction for purchase or redemption of the full quantity of units such as transacted by a registered user through the online technology platform of Oro, the respective mutual fund/AMCs shall be entitled to process a lesser quantity of units being purchased or redeemed (as the case may be) by such registered user. In such a case, neither Oro nor the AMCs, their respective trustees shall be responsible for the non‐execution of transactions for the entire quantity or the remaining quantity of units.

    Transaction rights for SIPs will be pursuant to the registered user executing the instructions, in the manner and form as prescribed by Oro and/or vendors and / or mutual funds on the online technology platform from time to time. The instructions will be applicable to all SIP transactions whether presently existing or to be opened in future. User agrees that, upon granting such instructions for SIP transactions, user will be bound by the terms of the relevant SIP scheme of the mutual fund to which user subscribes.

    User agrees and acknowledges that any transaction done or purported to be done by user before the cut off times on a business day as may be intimated by Oro to user from time to time, would be processed on the same day. Any transactions done on the online technology platform of Oro after the prescribed cut off time will be deemed to be received on the next working day and will be processed accordingly.

    User acknowledges that the units of the scheme shall be allotted, redeemed or switched, as the case may be, by the respective mutual funds / AMCs at the applicable NAV of the concerned mutual fund scheme as specified by Oro and consistent with the terms of the Scheme. However, Oro shall not be liable for any loss that may arise to user as a result of incorrect NAV applied on units allotted to user by the mutual fund.

    User acknowledges that any transactions done on a holiday would be processed on the next business day and the NAV would be applicable as per the respective scheme related documents.

    User acknowledges that transactions once placed cannot be cancelled. However, user can withdraw the mutual funds or the mutual fund units, under the following two options:

    1. User can decide which mutual fund or the number of units of Mutual fund to be sold;
    2. User can sell the mutual fund or the units of Mutual fund by himself;

    Upon such withdrawal of the mutual fund or the units of Mutual fund, the settlement amount towards the mutual fund or the units of Mutual fund shall be credited to the registered account of the user within 2-3 bank working days as per industry standard timelines.

    User acknowledges that any application for redemption, purchase or exchange or any other instruction must be correct, complete, clear and unambiguous in all respects and should conform to the prescribed procedure/documentation and regulatory requirements, failing which, Oro /AMC/vendor reserve the right to reject the same and in such a case Oro/AMC/vendor/trustee shall not be responsible for any consequence arising there from.

    User has read and understood the contents of the Scheme related Document and the details of the scheme and you have not received or been induced by any rebate or gifts, directly or indirectly, in making investment. User hereby declares that the amount invested/to be invested by you in the scheme(s) of Mutual Fund (s) is derived through legitimate sources and is not held or designed for the purpose of contravention of any act, rules, regulations or any statute or legislation or any other applicable laws or any notifications, directions issued by any governmental or statutory authority from time to time.

  5. Link to Third Party

    Oro may provide you links to third party services ("Third Party Services"). You agree to use the Services at your sole risk and that we shall not have any liability to you for content that may be found to be offensive, indecent, or objectionable. User understands that certain Services may display, include or make available content, data, information, applications or materials from third parties ("Third Party Materials") or provide links to certain third party websites. By using the Third Party Services, you acknowledge and agree that Oro is not responsible for examining or evaluating the content, accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect of such Third Party Materials or websites. ORO DOES NOT WARRANT OR ENDORSE AND DOES NOT ASSUME AND WILL NOT HAVE ANY LIABILITY OR RESPONSIBILITY TO YOU OR ANY OTHER PERSON FOR ANY THIRD PARTY SERVICES, THIRD PARTY MATERIALS OR WEB SITES, OR FOR ANY OTHER MATERIALS, PRODUCTS, OR SERVICES OF THIRD PARTIES.

  6. No Objection from the User(s)

    User acknowledges and grants no objection to Oro to do or place transaction requests for the User on the online technology platform of Oro and at user’s own risk and cost, all or any of the following acts, deeds matters and things:

    1. To forward user transaction data and requests to the respective mutual funds/AMCs/vendors with respect to the instructions and orders of sale, purchase, transfer, splitting and consolidation of mutual funds units.
    2. To transmit to the mutual fund and/or the corresponding AMC and/or their vendors, information relating to user nomination/changes in investment plan/ any other changes made through the online platform.
    3. To obtain and forward to the AMC/its Authorized Registrar user’s information as available in the KYC records, including user signature(s). User agrees that such records may be used by the AMC/Authorised Registrar for authorizing the transactions that may be submitted by user in physical/offline mode.
    4. To contact user regarding matters pertaining to the operation of user account including, but not limited to, servicing of users requests, communication of special offers, new product launches and product recommendations. This consent will override any registration for Do Not Call ("DNC") / National Do Not Call ("NDNC").
    5. To obtain user's information as available in KYC records including user's signature to provide various services for user's benefit.
  7. Account Statement

    User agrees and acknowledges that it shall be the obligation of the AMC and not of Oro to regularly send to the Registered Customer such communications as required under the SEBI Regulations.

  8. Fees and Charges

    While currently, Oro charges a fee for the offered Services, user acknowledges that Oro reserves the right to charge a different fees in the future for the Services or any other services offered by Oro. Any such changes will be communicated by Oro via email 30 days ahead of implementation, and will be displayed on the Oro website. Under such circumstances, user has the option to transfer its assets out of its Account without incurring any costs payable to Oro. User agrees and understands that any such charges/fees that Oro may choose to levy will be in addition to those levied by the AMCs, if any. All fees, charges and reimbursement of expenditure shall be paid or made in full by user without any counter claim, set off or withholding. All liabilities and obligations of the registered user(s) hereunder to Oro/mutual fund/AMCs/vendors/trustees of the AMC shall be joint and/or several, as the case may be.

  9. LIABILITY OF ORO

    1. Oro shall not in absence of gross negligence on the part of Oro, be liable to user for any act, omission or delay by the mutual fund or for any claims which user may suffer or incur as a result of or in course or discharge by Oro or its employees, officers, directors, nominee or agent of Oro’s duties. Without prejudice to the above, Oro shall not be held liable for any loss or damage or failure to comply or delay in complying with its obligations under these Terms and Conditions which is caused directly or indirectly by any event or circumstances beyond Oro’s reasonable control. These include system failure, network errors, delay or loss of data due to the above and in circumstances of acts of God, floods, epidemics, quarantine, riot, civil commotion and/or war.
    2. User further agrees that Oro shall not be held liable for any losses, damages, expenses, costs, liabilities and claims of whatsoever nature caused by fraudulent or unauthorized use or access of user information, and/or signatures.
    3. Oro will be under no duty to verify compliance with any restrictions on user’s investment powers.
    4. Oro will not be liable for any loss, damage, cost, charges or expenses directly or indirectly caused by reasons of any defects or imperfections or mechanical or other failure with relation to computer, cable, telex, telephone or postal system. While Oro will make every effort to have its computer systems available at all times, Oro makes no guarantees with respect to the availability of such systems. Oro will make every effort to resolve availability issues such as network problems, virus attacks etc. in an expeditious manner. Notwithstanding these, Oro will as such not be liable for any loss, damage, cost, charges or expenses directly or indirectly caused by reasons of lack of such availability.
    5. Oro shall not be liable for any loss or damage caused by reason of failures or delay of the mutual fund and/or its authorised service provider to deliver any units purchased even though payments have been made for the same, or failure or delay in making payment in respect of any units sold, though they may have been delivered and user shall hold Oro harmless and free from any claim in respect thereof. Oro shall also not be liable for any delay, failure or refusal of the mutual fund and/or its authorised service provider in registering or transferring units to user names or for any interest, dividend or other loss caused to user arising there from.
  10. ONLINE PAYMENT – PAYMENT GATEWAY TERMS

    The funds transfer for purchase of units of mutual funds will be done by using an Electronic Payment Gateway facility, ONLY internet banking facility shall be offered for transaction on the Site, through a third party net banking service provider registered with the Reserve Bank of India. User cannot use or permit the use of the payment gateway or any related services for any illegal or improper purposes. Users shall utilize the Electronic Payment Gateway at their own risk. These risks would include but not be limited to the following risks and Oro/AMC/trustees of the AMC/any vendor, disclaim all liability and responsibility for any claims, losses, damages, costs of what so ever nature arising due to such risks:

    1. Misuse of Password: If any third party obtains access to user password of the Oro Account, such third party would be able to transact on Oro’s online technology platform. User shall ensure that the terms and conditions applicable to the use of the Net Banking password as contained in the Electronic Payment Gateway for Net Banking are complied with at all times.
    2. Internet Frauds: The Internet per se is susceptible to a number of frauds, misuse, hacking and other actions, which could affect payment instructions given using Electronic Payment Gateway or the transactions done using Oro’s online technology platform. Whilst Oro shall aim to provide security to prevent the same, there cannot be any guarantee against such Internet frauds, hacking and other actions. User shall separately evolve/evaluate all risks arising out of the same.
    3. Mistakes and Errors: The filling in of applicable data for transfer would require proper, accurate and complete details. In the event of user account receiving an incorrect credit by reason of a mistake committed by any third party, the concerned mutual fund/AMC or the bank shall be entitled to reverse the incorrect credit at any time whatsoever without the consent of the User. User shall be liable and responsible to Oro/ concerned mutual fund /concerned AMC and accede to accept instructions without questions for any unfair or unjust gain obtained by Oro/ concerned mutual fund /concerned AMC as a result of the same.
    4. Technology Risks: The technology for enabling the transfer of funds and the other services offered by the Electronic Payment, Oro and any vendors could be affected by virus or other malicious, destructive or corrupting code, program or macro. The site of Oro, vendors or the bank may require maintenance and during such time it may not be possible to process the user request. This could result in delays in the processing of transactions/payment instructions or failure in the processing of transactions/payment instructions and other such failures and inability. User understand that Oro disclaims all and any liability, whether direct or indirect, whether arising out of loss of profit or otherwise arising out of any failure or inability by Oro/bank/mutual funds/AMCS/vendors to process any transaction/payment instructions for whatsoever reason. Oro/AMC/trustee company of the AMC, authorised registrars of the AMC and/or any vendors shall not be responsible for any of the aforesaid risks.
    5. Limits: Oro may from time to time impose maximum and minimum limits on funds that may be transferred by virtue of the payment transfer service given. User realizes and accepts and agrees that the same is to reduce the risks of the user. User shall be bound by such limits imposed and shall strictly comply with them.
    6. Indemnity: User shall indemnify Oro/mutual funds/AMCs/trustees to the AMCs/authorized registrar of the AMC/ vendors from and against all losses and damages that may be caused as a consequence of breach of any of the Electronic Payment Gateway for net banking and the terms and conditions mentioned herein above.
    7. Authentication of the Transaction: User is authorized to make transaction only with and from the bank account(s) registered on the Site. Banks have all the right to cancel, reject and/or unauthorize the transaction made by the user, from any other account, details of which is not registered or provided to Oro. Such payment which is rejected by the banks shall be notified or intimated to the user, in the morning of the next business day.
    8. Transaction Verification: The transaction made by the user, whether approved or rejected, using the Site shall be subject to the following level of verifications:
    9. Oro level: Transaction to be rejected in case the bank account though which the payment is made, is not registered with Oro;
    10. Transactions aggregator Level: Transaction made from the bank account which is different from the account details provided by Oro to the transactions aggregator.
    11. AMC Level: Final, rejection shall be made by the AMC, upon receiving the transaction details.
    12. Withdrawal of Facility: Oro shall be entitled to withdraw this service at any time without assigning any reason whatsoever.
    13. Binding nature of above terms and conditions: By use of this facility, user shall deemed to have agreed to all the above terms and conditions and such terms and conditions shall be bound on the user in the same manner as if user has agreed to the same in writing.
  11. FUNCTION OF ORO

    Any information contained in Oro brochures or other materials or otherwise communicated by Oro shall not be construed as investment advice and that all decisions to purchase or sell units made by user shall be on the basis of personal judgment arrived at after due consideration. Oro does not in any manner:

    1. Guarantee payments on any units; or
    2. Guarantee liquidity of any units; or
    3. Make any offer to buy back any units; or
    4. Guarantee the redemption or repayment of any units on maturity; or
    5. Guarantee the payments of interest or dividend; or
    6. Promise, indicate or guarantee any returns; or
    7. Guarantee any good delivery.
    8. Subscribe to units of mutual funds on behalf or in name of user or collects payments from user for the units so purchased by user for remitting it further to the AMCs; or
    9. redeem /sell the units held by user or on its behalf or in its name; or
    10. unilaterally instruct the mutual fund and/or the corresponding AMCs with regards to nomination/changes in investments plan/any other changes; or
    11. sign any document on behalf of or in the name of user for purchase, sale or redemption of units; or
    12. collect, receive and / or give receipts and discharges for any sum including dividend, interest or income arising from the units and does not sign and/or endorse dividend and interest warrants on user’s behalf or in user’s name; or
    13. correspond with or gives notice to the mutual fund/AMCs on behalf of or in the name of user, except for transmission of transactions done or purported to be done by user on the online technology platform.

    Oro does not offer any advice and nothing herein or on the Oro website shall be construed as investment advice by user.

    Oro does not, and is not obliged to, offer all mutual fund schemes for investment. By limiting the number of schemes on the Site, Oro does not make any representation as to the quality, bona fides or nature of any AMC or mutual fund scheme, or any other representation, warranty or guaranty, express or implied

    Any sum invested through Oro account is not a deposit with Oro and is not bank insured. The same is not endorsed or guaranteed and does not constitute obligations of Oro or any of the subsidiaries associates or affiliates companies whose role in only as described in these Terms and Conditions. Investments in mutual fund are subject to investment risk, including the possible loss of principal amount invested. The value of the units purchased or not purchased will fluctuate. If user redeems the units/shares purchased, user may receive more or less than user has/had paid depending upon NAV of the units in the fund or trust at the time of redemption. Past results are not a guarantee to future performance. Past performance may or may not be sustained in the future.

  12. NOTICES/CORRESPONDENCE

    Any notice or other correspondence addressed by Oro to user may be addressed to the emai address provided by the user at the time of enrolment. If according to user there is any discrepancy in the particular or details of transaction or account of statement then, it shall be the responsibility of the user to intimate the same to Oro and to the concerned mutual fund/AMC/authorised registrar of the AMC in writing within 7 (seven) working days of receiving notice thereof, falling which such transaction, statement or account (as the case may be) shall be deemed to be correct and accepted by user and users shall not be entitled to question the correctness or accuracy thereof.

  13. USER INFORMATION

    User shall provide any and all information that may be required by Oro/AMC/authorised service providers of the AMC from time to time in compliance with existing legal norms and regulations, including but not limited to contact information, address and tax‐related information and any information required under existing or future KYC and CAN norms and laws. User agrees that Oro/AMC/vendors may take steps to verify the veracity of such information provided and shall co‐operate with Oro/AMC/vendors in providing all information requested by Oro. User acknowledges that failure to provide such information in a timely manner may result in ineligibility to avail of some or all of the services of Oro and that Oro/AMC/Trustees of AMC shall in no way be held liable for any losses of whatsoever nature resulting from such failure to provide information on part of the user. Any information provided by user may be required to be shared with relevant regulatory/statutory authorities and user authorises Oro to provide all information to such regulatory / statutory authorities as and when required. The information shall be provided by the User and shall be governed in accordance with details provided in the Privacy Policy.

  14. TERMINATION OF THE SERVICES

    In case the user violates this agreement, or any local or international laws, Oro may, at any time and at its sole discretion, terminate the user’s Oro account and/or prevent user from accessing the Site and/or Services at any time and at its sole discretion. You’re free to stop using Oro and/or terminate your account with Oro at any time. Please refer to our Privacy Policy, to understand how we treat information you provide to us after you have stopped using our Services.

  15. REGULATORY CAUTION

    Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.

  16. GOVERNING LAW

    All disputes and differences arising out of, under or in connection with these terms and conditions or anything done hereunder shall be within the exclusive jurisdiction only to the courts of Mumbai. These terms and conditions are subject to and shall be construed in accordance with the laws prevalent in India.

  17. UNENFORCEABILITY

    In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision. Other agreements may apply to specific products and services offered through the Site. The terms of the Client Agreement and any other agreements applicable to a specific product or service supersede these terms. We may change these terms at any time without notice, and any such change will be effective immediately. Section headings are for convenience only.

  18. Investment Advisory Services

    In case you are availing for Orowealth Advisory Services, below mentioned are scope, pricing and terms and conditions of same:

    1. SCOPE OF SERVICES - INVESTMENT ADVISORY SERVICES OFFERED
      1. Asset Allocation: The InvestmentAdviser will provide, explain and assist in the formulation of a robustframework for the Client’s assetallocation based on the amount of Asset under Advice (AuA), both strategicallyand tactically, with due attention to the risk profile and reward expectationsof the client
      2. PortfolioFormation and Construction: The Client shall be provided with one time specific Advisory for portfolioallocation on securities to be traded in the portfolio, on a non-binding andnon-discretionary basis.
      3. Portfolio Review: Investment Advisor will provide a free review portfolio of client as per mutual consent between IA and client forcontract period not exceeding 12 months from date of agreement.
      4. No services other than those mentionedin this Agreement, are implied or guaranteed, except as individually negotiatedand confirmed in writing between the Parties.
    2. RISK FACTORS
      1. Securities investments are subject tomarket risks and there is no assurance or guarantee that the objective of theinvestments will be achieved.
      2. As with any investment in securities,the value of the Client’s investments can go up or down depending on the factorsand forces affecting the capital market. The Investment Adviser is neitherresponsible nor liable for any losses resulting from such factors.
      3. The information on investments issubject to external risks such as war, natural calamities, and policy changesof local / international markets which affect stock markets
    3. Declaration by the Investment Adviser
      1. We shall not manage funds andsecurities on behalf of the client and that we shall only receive such sums ofmonies from the client as are necessary to discharge the client’s liabilitytowards investment advisory fees.
      2. We shall not, in the course of performingthe services to the client, hold out any investment advice implying any assuredreturns or minimum returns or target return or percentage accuracy or serviceprovision till achievement of target returns or any other nomenclature thatgives the impression to the client that the investment advice is risk-freeand/or not susceptible to market risks and or that it can generate returns withany level of assurance.
    4. ADVISORYFEES
      In consideration of the services beingoffered by the Investment Adviser under this Agreement, an upfront fee as mutually discussed shall be charged to the Client.
    5. DISCLAIMER
      The Investment Adviser shall not beliable for any loss of any nature suffered by the Client based on the servicesrendered by the Investment Adviser. Further, Investment Adviser makes noguarantee of the investment returns that will be experienced by the Client inthe application of the Client’s investment program based on the analyticalresearch and investment Advisory services provided by the Investment Adviser.The Client shall at all times keep suchinformation / data and material provided by the Investment Adviser strictlyconfidential and will not use, share or disclose such information to any thirdparty.
  19. MISCELLANEOUS

    You will be responsible for paying, withholding, filing, and reporting all taxes, duties, and other governmental assessments associated with your activity in connection with the Site. The failure of either you or us to exercise, in any way, any right herein shall not be deemed a waiver of any further rights hereunder. You and Oro agree that these Terms and Conditions are the complete and exclusive statement of the mutual understanding between you and Oro, and that it supersedes and cancels all previous written and oral agreements, communications and other understandings relating to the subject matter of these Terms and Conditions.

    IF USER DO NOT ACCEPT AND ABIDE BY THIS TERMS, USER MUST NOT USE THE WEBSITE. TERMS AND CONDITIONS FOR USAGE OF PORTAL

    1. You acknowledge to have read and understood the Terms and Conditions contained herein and agree to be legally bound by them at all times by transacting through the portal. All transactions done through the portal shall at all times be bound by the terms and conditions contained herein. Your continued usage of the portal shall at all times be deemed to be your acceptance of the terms and conditions contained herein.
    2. Alpha Fintech Private Limited and its subsidiaries ("Oro", "Orowealth" or "Oro Wealth") and its vendor MF Utilities India Private Limited (“MFUI” or "MFU") reserve the right to change the Terms and Conditions at any time, without notice, and the revised Terms and Conditions shall be posted on the portal from time to time. Your continued usage of the portal shall at all times be deemed to be your acceptance of the terms and conditions as may be in force.
    3. The User ID provided to you is at PAN / PEKRN level and by default linked to all the CANs wherein you are the Sole / Primary / Second / Third Holder or the Guardian. The CANs linked to the User id are hereinafter referred to as “linked CANs”.
    4. You hereby agree that you can transact only in CANs where you are the Sole/Primary holder/Guardian of the CAN and view the portfolio / transactions in case you are the Second / Third Holder of the CAN.
    5. In case of more than one holder in CAN, the User ID and password shall be provided to the first holder only if the mode of holding is anyone or survivor. The usage of the portal by the first holder shall be deemed to be valid and with full and absolute authority to act for and on behalf of all and each of the other joint holders. Liability of all the joint holders shall be joint and several and shall be binding on each of the joint CAN holders, their respective legal heirs, successors, executors and permitted assigns. All the joint holders shall be deemed to have approved of the transactions done by the first holder through the portal.
    6. You hereby irrevocably authorize Oro Wealth, MFUI and its agents / Service Providers, to act upon any Electronic Instructions given by you to Oro Wealth or MFUI through the User ID and password.
    7. The Online Facility is intended only for the personal use of the investor. You shall be solely responsible for the confidentiality of the User ID and Password and shall not disclose the same to anybody and shall take all possible care to prevent discovery of the User ID and Password by any person. In no event shall you hold Oro Wealth or MFUI liable or responsible for any transactions undertaken under your “linked CANs”.
    8. Oro Wealth and MFUI reserve the right to make the Online Facility available for such investors / CAN holders as it deems appropriate.
    9. You agree that Oro Wealth and MFUI reserve the right to seek any additional information / confirmation (oral / written) as it may deem necessary to authenticate the transaction.
    10. Oro Wealth or MFUI may, in its absolute discretion, suspend the Online Facility granted or decide not to carry out any such transaction where the KYC requirements are incomplete or incorrect, transactions are designed in a manner to violate any law or any information submitted to Oro Wealth / MFUI / its related parties is incomplete, false or misleading or it has reason to believe that the Electronic Instructions are not genuine or are unclear or are otherwise improper and cannot be put into effect.
    11. In case where the mode of holding is 'Minor through Guardian', the Guardian shall be deemed to have full authority to act for and on behalf of the minor in all matters relating to the Online Facility.
    12. Oro Wealth and MFUI only provide facility to submit transactions in multiple schemes of various Mutual Funds. The respective Mutual Fund / AMC at its discretion may accept or reject any transaction. You shall not hold Oro Wealth or MFUI liable for any loss, damage etc. arising from rejection of transactions by Mutual Fund / AMC. Further, all transactions will be governed by the rules of the individual Mutual Fund / AMC as stated in their Scheme Information Documents and therefore submission of a transaction and time stamping at MFUI portal should not be deemed to be guarantee of acceptance and processing of transaction by the Mutual Fund / AMC.
    13. Online Transactions where KYC process is pending, shall be accepted by Oro Wealth and MFUI and passed on to the specific AMC/RTA who may at their sole discretion decide whether or not to process the transaction due to the pending KYC status and the investor will not hold Oro Wealth or MFUI liable for such non-acceptance by the specified AMC/RTA.
    14. Online transactions for CAN holders who have not provided Additional KYC and FATCA are liable to be rejected.
    15. You shall not use the Online Facility to conduct any transaction(s) that are designed to contravene or circumvent any provision of law, regulation or guideline, including but not limited to the provisions of the Income Tax Act, Foreign Accounts Tax Compliance Act (“FATCA”), The Prevention of Money Laundering Act (“PMLA”), Foreign Exchange Management Act (“FEMA”) or the provisions of the respective SID / KIM and addendums thereto, particularly the guidelines relating to Third Party Payment and Applicability of NAV.
    16. The uniform cut-off time as prescribed by SEBI and as mentioned in the SID / KIM and addendums thereto of respective schemes shall be applicable for applications received on the portal.
    17. Realization of funds with regard to subscription transactions:- For subscription transactions, the funds are credited to the MFU Escrow Account and thereafter transferred to the respective Scheme accounts in proportion to the investments made in respective schemes by you. In case of net banking payments or PayEezz, MFU Escrow account will be credited not less than T+1 business/working day wherein T refers to the payment initiated day. MFUI will ensure to transfer the funds to the AMC Accounts upon receipt. The time of credit to respective AMC Accounts shall be considered for NAV applicability, wherever applicable. All credits received into the MFU Escrow Account before 1.40 p.m. (for scheme cut-off of 2.00 p.m.) and 2.40 p.m. (for scheme cut-off time of 3.00 p.m.) will be transferred to the Scheme accounts by 2.00 p.m. and 3.00 p.m. respectively. In respect of credits to the MFU Escrow Account between 1.40 p.m. / 2.40 p.m. to the respective cut-off times, funds will be transferred to the Scheme accounts on a best effort basis.
    18. The time stamping for online transaction would be the MFUI server timings upon submission of transaction by you. In case payment is made through Net Banking the time stamp would be upon successful confirmation of payment.
    19. NAV Applicability: All current rules with regard to NAV applicability shall apply to the transactions done online through the portal. In case of subscription transactions where the availability of funds for utilization / time of credit is considered for applicability of NAV, the time of credit of funds to the AMC accounts from MFU Escrow Account will be considered as the time of credit for NAV applicability.
    20. Restriction on Acceptance of Third Party Payments for Subscription of Units in Mutual Fund Schemes: The payment should be made only from one of the bank accounts registered under the CAN being transacted. In case it is found that the payment is not made from a registered bank account under the CAN, MFUI / Mutual Fund / AMC / its RTA reserves the right to reject the transaction and refund the money to the source account. Additionally, AMCs may at their discretion decide to make the redemption payouts only through specific modes of payment, when the units are redeemed.
    21. Payment Mode Net Banking: In order to make payment through Net Banking you should have availed this facility from your registered Bank and have access thereto. You will be redirected to your Bank’s website for making online payment through the registered Bank Account. You may be required to comply with the verification requirements of the Bank. NEFT / RTGS: In order to make payment through NEFT / RTGS, MFU will provide you the Beneficiary Account details, upon your submission of the transaction, to which the payments should be made. PayEezz: Payment through PayEezz facility can be only through a unique PayEezz Reference Number (PRN), obtained by registering the mandate with MFUI.
    22. If you are holding your units in the Depository Account, the request for redemption has to be routed through (a) your broker, or (b) your depository participant. MFUI will not be in a position to accept these transactions.
    23. Your payout proceeds, subject to deduction of exit load, STT and TDS (if applicable) would be paid out to you into your default bank details registered under your CAN or any other registered bank details specified by you, within the payment timelines of the respective scheme(s).
    24. Transactions received on a non-business day will be treated as received on next business day.
    25. You agree that even though your Mobile No. is registered under the National Do Not Call Registry (NDNC), you explicitly permit Oro Wealth and MFUI to send various communications, updates, alerts, notifications and the same shall not be considered as a breach of any TRAI Regulations/Guidelines;
    26. Indemnity and No Warranties You shall be fully liable to MFUI and/or the AMC / Mutual Fund or their Affiliates for every transaction entered into using the Online Facility, whether with or without your knowledge. In no event will the AMC / Mutual Fund, Oro Wealth or MFUI or their agents / service providers be liable to you for any special, direct, indirect, consequential or incidental loss or damages even if you have been advised by the AMC / Mutual Fund, MFUI or its agents / service providers of any such possibility. You hereby relieve the AMC / Mutual Fund, Oro Wealth and MFUI from any liability whatsoever against misuse of the Online Facility, User ID and password. Further, neither the AMC / Mutual Fund nor Oro Wealth nor MFUI shall be liable at all for misuse if any, of any data placed on the Internet, by third parties, "hacking" or unauthorized access. Neither the AMC / Mutual Fund / Oro Wealth nor MFUI will be liable for any failure to act upon Electronic Instructions or to provide any facility for any cause that is beyond the control of the AMC / Mutual Fund or Oro Wealth / MFUI. Oro Wealth and MFUI shall have no liability to verify the accuracy, authenticity of the instructions given using the User ID and password and shall be authorized to act on such instructions without further verification or review. Oro Wealth and MFUI shall endeavor to give effect to Electronic Instructions on a best effort basis and as soon as practically possible for Oro Wealth and MFUI, within the ambit of SEBI Regulations. In the event of any instructions being capable of execution in two or more ways, Oro Wealth / MFUI may execute the Electronic Instructions in a way as it may, in its sole judgement, decide. Oro Wealth and MFUI agree to take best efforts to protect security of the data placed on the Internet, however you agree that transmitting data/ information over internet may be subject to compromise / breach and that the risk of any loss of information or interception of information by any third party will be borne by you and that Oro Wealth or MFUI shall not be liable for the same. The Mutual Fund, MFUI, the AMC/Trustees of the Mutual Fund, along with its directors, employees, agents, executors, successors and assigns shall not be liable for any damages or injuries arising out of or in connection with the use of the Portal or its non-use including non-availability or failure of performance, loss or corruption of data, loss of or damage to property (including profit and goodwill), work stoppage, computer failure or malfunctioning, or interruption of business; error, omission, interruption, deletion, defect, delay in operation or transmission, communication line failure or for any failure to act upon Electronic Instructions or to provide any facility for any cause that is beyond the control of such entity. All records of Oro Wealth and MFUI, whether in electronic form, magnetic medium, documents or any other form with respect to Electronic Instructions received for use of the Facilities or Electronic Instructions received through use of the Online Facility shall be conclusive evidence of such Electronic Instructions and shall be binding on you. You hereby confirm that Oro Wealth or MFUI or any other Agents of the Fund or MFUI, shall not be held responsible for violation of any laws by you and you hereby indemnify Oro Wealth and MFUI against any claims arising from such non-compliance, and also from any damages or losses Oro Wealth or MFUI or the Fund may suffer from any claims arising due to non-compliance or violation of the Terms and Conditions. Further, you agree to indemnify, and shall at all times keep indemnified the Mutual Fund, Oro Wealth, MFUI, the Trustees/AMC, their officers, employees, successors and assigns from and against all actions, proceedings, claims and demands whatsoever for or on account of or in relation to any unauthorised use of the Online Facility, User ID and password and from and against all damages, costs, charges and expenses in respect thereof or incidental thereto. No forbearance, delay or failure on part of Oro Wealth or MFUI or the AMC / Mutual Fund to exercise any power or right under these Terms and Conditions shall operate as a waiver of such power or right, nor shall any single or partial exercise of such power or right preclude any further exercise of that or any other power or right.
    27. Oro Wealth and MFUI will take best efforts to keep the Portal updated so as to provide most current information to you, and shall further take best efforts to ensure that the information provided on the Portal is as accurate as possible and that the disruptions of service are minimal. However, Oro Wealth or MFUI makes no warranty, either express or implied, or gives any guarantee, to you concerning the uninterrupted availability of the Portal or the services or the accuracy of the information available on it.
    28. You authorize Oro Wealth and MFUI to provide to third parties such transaction / account details, as may be necessary in order to give effect to your online instructions or in order to comply with the order of any court, government agency or lawful authority or in order to ensure compliance with any laws/regulations in any jurisdiction.
    29. You agree that the look and feel of the web screen and outputs therefrom may differ based on the nature of the software used by you to browse the Portal. You shall not hold Oro Wealth or MFUI liable for any act of non-adherence of Electronic Instructions, or the lack of availability of the Portal or the Online Facility extended by Oro Wealth and MFUI, if Oro Wealth or MFUI is for any reasons whatsoever, unable to provide the said service.
    30. You agree to bear the bank charges, if any, towards electronic fund transfer or any other transaction carried out through your bank account, without any reimbursement from Oro Wealth or MFUI
    31. No solicitation: Nothing in the Terms and Conditions or on the Portal shall be considered a solicitation to buy or an offer to sell, or a recommendation for, a security, or any other product or service, to any person in any jurisdiction where such solicitation, offer, recommendation, purchase or sale would be unlawful under the laws of that jurisdiction.
    32. Proprietary Rights: You hereby acknowledge that the portal is the legal property of Oro Wealth and/or MFUI. The permission given by the Oro Wealth and/or MFUI to access the Online Facility will not convey any proprietary or ownership rights in the software. You agree not to attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying the Online Facility of Oro Wealth or MFUI or create any derivative product based on the software. You further agree not to use the name, logo or mark of the Oro Wealth or MFUI or any of the AMC/Mutual Fund (or any logo or mark similar thereto), and any related patent, trademark and service mark applications, design rights, copyrights, and all or any similar or equivalent rights arising or subsisting in any country in the world.
    33. Governing Laws & Jurisdiction: The Online Facility and all the Online Transactions carried out through the Online Facility are subject to the Terms and Conditions of the Scheme Information Documents of the schemes of various Mutual Funds, read with the addenda issued from time to time.
    34. The provision of the Online Facility is subject to and governed by the laws of India. The Courts in Mumbai shall have jurisdiction over all disputes arising out of or in respect of the Terms and Conditions.
    35. These Terms and Conditions are subject to Securities and Exchange Board of India (Mutual Funds) Regulations, 1996 and guidelines issued thereunder as amended from time to time and other laws, rules and regulations issued by the Government of India relating to Mutual Funds and provision of Online Facility.
    36. Notice: Any notice, communication or documents required to be given by either Party to the other, may be given by personal delivery, courier, registered post at the registered office of Oro Wealth or MFUI or by email to connect@orowealth.com or clientservices@mfuindia.com and if to the investor at the registered address or email ID as per MFUIs records.
    37. You hereby confirm and declare as under I / We have read and understood the contents of the respective Scheme Information Document(s), Statement of Additional Information(s), Key Information Memorandum(s), Instructions and Addenda issued by the respective Mutual Funds, including level of risk depicted by riskometer. I/We am/are eligible Investor(s) as per the respective Scheme related documents and am/are authorised to make this investment as per the constitutive documents / authorization(s). The amount invested in the respective Scheme(s) is through legitimate sources only and is not for the purpose of contravention and/or evasion of any act, rules, regulations, notifications or directions issued by any regulatory authority in India. I/We will indemnify Oro Wealth, MFU, Mutual Fund, AMC, Trustee, RTA and other intermediaries in case of any dispute regarding the eligibility, validity and authorization of my/our transactions. The RIA has disclosed to me/us all the fees , payable to him/them for availing various services offered by Oro.
    38. I/WE HEREBY CONFIRM THAT I/WE HAVE NOT BEEN OFFERED/COMMUNICATED ANY INDICATIVE PORTFOLIO AND/OR ANY INDICATIVE YIELD BY THE FUND/AMC/ITS DISTRIBUTOR FOR THIS INVESTMENT.
    39. You acknowledge to have read and understood the Terms and Conditions contained herein and agree to be legally bound by them at all times by transacting through the portal. All transactions done through the portal shall at all times be bound by the terms and conditions contained herein. Your continued usage of the portal shall at all times be deemed to be your acceptance of the terms and conditions contained herein.
    40. Alpha Fintech Private Limited and its subsidiaries ("Oro", "Orowealth" or "Oro Wealth") and its vendor BSE ltd. (“BSE") reserve the right to change the Terms and Conditions at any time, without notice, and the revised Terms and Conditions shall be posted on the portal from time to time. Your continued usage of the portal shall at all times be deemed to be your acceptance of the terms and conditions as may be in force.
    41. The User ID provided to you is at PAN / PEKRN level and by default linked to all the UCC (Unique Client Code) wherein you are the Sole / Primary / Second / Third Holder or the Guardian. The UCCs linked to the User id are hereinafter referred to as “linked UCCs”.
    42. You hereby agree that you can transact only in UCCs where you are the Sole/Primary holder/Guardian of the UCC and view the portfolio / transactions in case you are the Second / Third Holder of the UCC.
    43. In case of more than one holder in UCC, the User ID and password shall be provided to the first holder only if the mode of holding is anyone or survivor. The usage of the portal by the first holder shall be deemed to be valid and with full and absolute authority to act for and on behalf of all and each of the other joint holders. Liability of all the joint holders shall be joint and several and shall be binding on each of the joint UCC holders, their respective legal heirs, successors, executors and permitted assigns. All the joint holders shall be deemed to have approved of the transactions done by the first holder through the portal.
    44. You hereby irrevocably authorize Oro Wealth, BSE and its agents / Service Providers, to act upon any Electronic Instructions given by you to Oro Wealth or BSE through the User ID and password.
    45. The Online Facility is intended only for the personal use of the investor. You shall be solely responsible for the confidentiality of the User ID and Password and shall not disclose the same to anybody and shall take all possible care to prevent discovery of the User ID and Password by any person. In no event shall you hold Oro Wealth or BSE liable or responsible for any transactions undertaken under your “linked UCCs”.
    46. Oro Wealth and BSE reserve the right to make the Online Facility available for such investors / UCC holders as it deems appropriate.
    47. You agree that Oro Wealth and BSE reserve the right to seek any additional information / confirmation (oral / written) as it may deem necessary to authenticate the transaction.
    48. Oro Wealth or BSE may, in its absolute discretion, suspend the Online Facility granted or decide not to carry out any such transaction where the KYC requirements are incomplete or incorrect, transactions are designed in a manner to violate any law or any information submitted to Oro Wealth / BSE / its related parties is incomplete, false or misleading or it has reason to believe that the Electronic Instructions are not genuine or are unclear or are otherwise improper and cannot be put into effect.
    49. In case where the mode of holding is 'Minor through Guardian', the Guardian shall be deemed to have full authority to act for and on behalf of the minor in all matters relating to the Online Facility.
    50. Oro Wealth and BSE only provide facility to submit transactions in multiple schemes of various Mutual Funds. The respective Mutual Fund / AMC at its discretion may accept or reject any transaction. You shall not hold Oro Wealth or BSE liable for any loss, damage etc. arising from rejection of transactions by Mutual Fund / AMC. Further, all transactions will be governed by the rules of the individual Mutual Fund / AMC as stated in their Scheme Information Documents and therefore submission of a transaction and time stamping at BSE portal should not be deemed to be guarantee of acceptance and processing of transaction by the Mutual Fund / AMC.
    51. Online Transactions where KYC process is pending, shall be accepted by Oro Wealth and BSE and passed on to the specific AMC/RTA who may at their sole discretion decide whether or not to process the transaction due to the pending KYC status and the investor will not hold Oro Wealth or BSE liable for such non-acceptance by the specified AMC/RTA.
    52. Online transactions for UCC holders who have not provided Additional KYC and FATCA are liable to be rejected.
    53. You shall not use the Online Facility to conduct any transaction(s) that are designed to contravene or circumvent any provision of law, regulation or guideline, including but not limited to the provisions of the Income Tax Act, Foreign Accounts Tax Compliance Act (“FATCA”), The Prevention of Money Laundering Act (“PMLA”), Foreign Exchange Management Act (“FEMA”) or the provisions of the respective SID / KIM and addendums thereto, particularly the guidelines relating to Third Party Payment and Applicability of NAV.
    54. The uniform cut-off time as prescribed by SEBI and as mentioned in the SID / KIM and addendums thereto of respective schemes shall be applicable for applications received on the portal.
    55. Realization of funds with regard to subscription transactions will be done on best effort basis. Orowealth or BSE will not be liable for any delays in transaction subscription.
    56. NAV Applicability: All current rules with regard to NAV applicability shall apply to the transactions done online through the portal. In case of subscription transactions where the availability of funds for utilization / time of credit is considered for applicability of NAV, the time of credit of funds to the AMC accounts will be considered as the time of credit for NAV applicability.
    57. Restriction on Acceptance of Third Party Payments for Subscription of Units in Mutual Fund Schemes: The payment should be made only from one of the bank accounts registered under the UCC being transacted. In case it is found that the payment is not made from a registered bank account under the UCC, BSE / Mutual Fund / AMC / its RTA reserves the right to reject the transaction and refund the money to the source account. Additionally, AMCs may at their discretion decide to make the redemption payouts only through specific modes of payment, when the units are redeemed.
    58. Payment Mode Net Banking: In order to make payment through Net Banking you should have availed this facility from your registered Bank and have access thereto. You will be redirected to your Bank’s website for making online payment through the registered Bank Account. You may be required to comply with the verification requirements of the Bank. NEFT / RTGS: In order to make payment through NEFT / RTGS, BSE will provide you the Beneficiary Account details, upon your submission of the transaction, to which the payments should be made.
    59. If you are holding your units in the Depository Account, the request for redemption has to be routed through (a) your broker, or (b) your depository participant. BSE will not be in a position to accept these transactions.
    60. Your payout proceeds, subject to deduction of exit load, STT and TDS (if applicable) would be paid out to you into your default bank details registered under your UCC or any other registered bank details specified by you, within the payment timelines of the respective scheme(s).
    61. Transactions received on a non-business day will be treated as received on next business day.
    62. You agree that even though your Mobile No. is registered under the National Do Not Call Registry (NDNC), you explicitly permit Oro Wealth and BSE to send various communications, updates, alerts, notifications and the same shall not be considered as a breach of any TRAI Regulations/Guidelines;
    63. Indemnity and No Warranties You shall be fully liable to BSE and/or the AMC / Mutual Fund or their Affiliates for every transaction entered into using the Online Facility, whether with or without your knowledge. In no event will the AMC / Mutual Fund, Oro Wealth or BSE or their agents / service providers be liable to you for any special, direct, indirect, consequential or incidental loss or damages even if you have been advised by the AMC / Mutual Fund, BSE or its agents / service providers of any such possibility. You hereby relieve the AMC / Mutual Fund, Oro Wealth and BSE from any liability whatsoever against misuse of the Online Facility, User ID and password. Further, neither the AMC / Mutual Fund nor Oro Wealth nor BSE shall be liable at all for misuse if any, of any data placed on the Internet, by third parties, "hacking" or unauthorized access. Neither the AMC / Mutual Fund / Oro Wealth nor BSE will be liable for any failure to act upon Electronic Instructions or to provide any facility for any cause that is beyond the control of the AMC / Mutual Fund or Oro Wealth / BSE. Oro Wealth and BSE shall have no liability to verify the accuracy, authenticity of the instructions given using the User ID and password and shall be authorized to act on such instructions without further verification or review. Oro Wealth and BSE shall endeavor to give effect to Electronic Instructions on a best effort basis and as soon as practically possible for Oro Wealth and BSE, within the ambit of SEBI Regulations. In the event of any instructions being capable of execution in two or more ways, Oro Wealth / BSE may execute the Electronic Instructions in a way as it may, in its sole judgement, decide. Oro Wealth and BSE agree to take best efforts to protect security of the data placed on the Internet, however you agree that transmitting data/ information over internet may be subject to compromise / breach and that the risk of any loss of information or interception of information by any third party will be borne by you and that Oro Wealth or BSE shall not be liable for the same. The Mutual Fund, BSE, the AMC/Trustees of the Mutual Fund, along with its directors, employees, agents, executors, successors and assigns shall not be liable for any damages or injuries arising out of or in connection with the use of the Portal or its non-use including non-availability or failure of performance, loss or corruption of data, loss of or damage to property (including profit and goodwill), work stoppage, computer failure or malfunctioning, or interruption of business; error, omission, interruption, deletion, defect, delay in operation or transmission, communication line failure or for any failure to act upon Electronic Instructions or to provide any facility for any cause that is beyond the control of such entity. All records of Oro Wealth and BSE, whether in electronic form, magnetic medium, documents or any other form with respect to Electronic Instructions received for use of the Facilities or Electronic Instructions received through use of the Online Facility shall be conclusive evidence of such Electronic Instructions and shall be binding on you. You hereby confirm that Oro Wealth or BSE or any other Agents of the Fund or BSE, shall not be held responsible for violation of any laws by you and you hereby indemnify Oro Wealth and BSE against any claims arising from such non-compliance, and also from any damages or losses Oro Wealth or BSE or the Fund may suffer from any claims arising due to non-compliance or violation of the Terms and Conditions. Further, you agree to indemnify, and shall at all times keep indemnified the Mutual Fund, Oro Wealth, BSE, the Trustees/AMC, their officers, employees, successors and assigns from and against all actions, proceedings, claims and demands whatsoever for or on account of or in relation to any unauthorised use of the Online Facility, User ID and password and from and against all damages, costs, charges and expenses in respect thereof or incidental thereto. No forbearance, delay or failure on part of Oro Wealth or BSE or the AMC / Mutual Fund to exercise any power or right under these Terms and Conditions shall operate as a waiver of such power or right, nor shall any single or partial exercise of such power or right preclude any further exercise of that or any other power or right.
    64. Oro Wealth and BSE will take best efforts to keep the Portal updated so as to provide most current information to you, and shall further take best efforts to ensure that the information provided on the Portal is as accurate as possible and that the disruptions of service are minimal. However, Oro Wealth or BSE makes no warranty, either express or implied, or gives any guarantee, to you concerning the uninterrupted availability of the Portal or the services or the accuracy of the information available on it.
    65. You authorize Oro Wealth and BSE to provide to third parties such transaction / account details, as may be necessary in order to give effect to your online instructions or in order to comply with the order of any court, government agency or lawful authority or in order to ensure compliance with any laws/regulations in any jurisdiction.
    66. You agree that the look and feel of the web screen and outputs therefrom may differ based on the nature of the software used by you to browse the Portal. You shall not hold Oro Wealth or BSE liable for any act of non-adherence of Electronic Instructions, or the lack of availability of the Portal or the Online Facility extended by Oro Wealth and BSE, if Oro Wealth or BSE is for any reasons whatsoever, unable to provide the said service.
    67. You agree to bear the bank charges, if any, towards electronic fund transfer or any other transaction carried out through your bank account, without any reimbursement from Oro Wealth or BSE.
    68. No solicitation: Nothing in the Terms and Conditions or on the Portal shall be considered a solicitation to buy or an offer to sell, or a recommendation for, a security, or any other product or service, to any person in any jurisdiction where such solicitation, offer, recommendation, purchase or sale would be unlawful under the laws of that jurisdiction.
    69. Proprietary Rights: You hereby acknowledge that the portal is the legal property of Oro Wealth and/or BSE. The permission given by the Oro Wealth and/or BSE to access the Online Facility will not convey any proprietary or ownership rights in the software. You agree not to attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying the Online Facility of Oro Wealth or BSE or create any derivative product based on the software. You further agree not to use the name, logo or mark of the Oro Wealth or BSE or any of the AMC/Mutual Fund (or any logo or mark similar thereto), and any related patent, trademark and service mark applications, design rights, copyrights, and all or any similar or equivalent rights arising or subsisting in any country in the world.
    70. Governing Laws & Jurisdiction: The Online Facility and all the Online Transactions carried out through the Online Facility are subject to the Terms and Conditions of the Scheme Information Documents of the schemes of various Mutual Funds, read with the addenda issued from time to time.
    71. The provision of the Online Facility is subject to and governed by the laws of India. The Courts in Mumbai shall have jurisdiction over all disputes arising out of or in respect of the Terms and Conditions.
    72. These Terms and Conditions are subject to Securities and Exchange Board of India (Mutual Funds) Regulations, 1996 and guidelines issued thereunder as amended from time to time and other laws, rules and regulations issued by the Government of India relating to Mutual Funds and provision of Online Facility.
    73. Notice: Any notice, communication or documents required to be given by either Party to the other, may be given by personal delivery, courier, registered post at the registered office of Oro Wealth or BSE or by email to connect@orowealth.com m and if to the investor at the registered address or email ID as per BSEs records.
    74. You hereby confirm and declare as under I / We have read and understood the contents of the respective Scheme Information Document(s), Statement of Additional Information(s), Key Information Memorandum(s), Instructions and Addenda issued by the respective Mutual Funds, including level of risk depicted by riskometer. I/We am/are eligible Investor(s) as per the respective Scheme related documents and am/are authorised to make this investment as per the constitutive documents / authorization(s). The amount invested in the respective Scheme(s) is through legitimate sources only and is not for the purpose of contravention and/or evasion of any act, rules, regulations, notifications or directions issued by any regulatory authority in India. I/We will indemnify Oro Wealth, BSE, Mutual Fund, AMC, Trustee, RTA and other intermediaries in case of any dispute regarding the eligibility, validity and authorization of my/our transactions. The RIA has disclosed to me/us all the fees , payable to him/them for availing various services offered by Oro.
    75. I/WE HEREBY CONFIRM THAT I/WE HAVE NOT BEEN OFFERED/COMMUNICATED ANY INDICATIVE PORTFOLIO AND/OR ANY INDICATIVE YIELD BY THE FUND/AMC/ITS DISTRIBUTOR FOR THIS INVESTMENT.
    76. This facility is made available with respect to select Mutual Funds only, with whom Orowealth has entered into a separate arrangement either directly or through transaction processing platforms such BSE and accordingly provides online platform to deal in the units of the scheme of these mutual funds that are existing / launched / offered by them from time to time.
    77. You understand and agree that instructions given by you to Orowealth for transacting in mutual fund units will be forwarded to the AMC/R&TA via a transaction processing platform that Orowealth has a prior contractual arrangement with CDSL - BSE in an electronic file format (‘Feed File’) and AMC/R&TA will process the transaction on the basis of such Feed File only. And you hereby agree and consent to the transmission of data by electronic means through the Orowealth Account from the website.
    78. This information will be stored with us and shared with select third parties such as our group companies, Asset Management Companies (AMC), Registrar and Transfer Agents, BSE and affiliate companies, payment gateway providers in order to enable us to complete your registration as a client with us and to process any transaction requests that you authorise, maintain a record of your transactions and holdings, generate and send reminders, alerts, notifications to you for transactions, upcoming funds transfers etc.
  20. Terms & Conditions for eCAN (Electronic data submission for CAN Registration)

    1. I/We acknowledge to have read and understood the Terms and Conditions contained herein as well as the Terms and Conditions applicable to CAN available at www.mfuindia.com/downloads/CRF-Individual-Terms.pdfand agree to be legally bound by them always.
    2. I/We agree that CAN shall be created only upon the datasubmitted for CAN creation being complete in all respects and the supporting documents being in good order, clear and legible,to the satisfaction of ORO Wealth or MFUI.
    3. I/We agree that ORO Wealth or MFUI may acquire any data / information / documentssuch as signatures,Bank Account details etc. from KYC Registration Agencies (KRA) / CERSAI/ AMCs/ RTAs or any other third party to share the same with ORO Wealth or MFUI as per my/ our terms of agreement with such parties and / or ORO Wealth or MFUI and utilize such data sourced from such parties for the creation of CAN. I / We also unequivocally authorize ORO Wealth or MFUI to obtain data / information / documents from such third parties and rely on them without validating the same with me/us.
    4. I / We understand that, eCAN can be generated through two different modes i.e. partially electronic or completely electronic.
    5. I / We also understand that:
      1. A completely electronic eCAN requires the following conditions to be met:
        1. The investor has an existing folio in any of the MFU participating AMCs matching the CAN criteria; and
        2. At least one of the Bank Account submitted for registration is a registered bank account in any of the mapped folios. The bank accounts unregistered in any of the mapped folios will be ignored for registration under CAN.
      2. Where the above conditions are not satisfied, the eCAN will be converted to partially electronic eCAN and the relevant procedures shall be applicable.
    6. I / We agree that for partially electronic eCAN, ORO Wealth or MFUI will auto-generate CAN Registration Form (CRF)based on the data submitted by me / us electronically and provide a pre-filled CRF to me / us which needs to be signed and submitted along with necessary documents back to ORO Wealth or MFUI / MFUI authorized entity / MFU Point of Service (POS) for completion of the registration formalities.
    7. I / We agree that for completely electronic eCAN, ORO Wealth or MFUI will auto-generate a CRF based on the data / information / documents submitted by me / us electronically and sourced by MFUI from the above mentioned third parties. I/We also agree that the CRF so generated will be a valid and legally binding document for all purposes whatsoever related to the CAN.
    8. I / We agree that in the event of mismatch between the signature(s) as per KRA / CERSAI / RTA/ AMC records and those affixed upon the transaction forms, the transactions are liable to be rejected.
    9. ORO Wealth or MFUI at its discretion may call for physical submission of CRF along with supporting documents and specimen signatures. ORO Wealth or MFUI reserves the right to seek any additional information / confirmation (oral / written) as it may deem necessary to authenticate the eCAN.
    10. I /We agree not to misrepresent my / our identity or provide information about any other person in the eCAN process or violate the legalrights of any person by creating a CAN on his /her behalf.
    11. I / We hereby declare that:
      1. I / We have read and understood the information, requirements and the instructions mentioned in this Form (including the FATCA & CRS instructions) and hereby confirm that the information provided by me / us on this form is true, correct and complete to the best of my / our knowledge and belief and provided after necessary consultation with tax professionals.
      2. I / We hereby agree and confirm to inform ORO Wealth / MFUI / AMC / Mutual Fund / Trustees for any modification to this information promptly.
      3. I / We further agree to abide by the provisions of the Scheme related documents inter alia provisions on Foreign Account Tax Compliance Act (FATCA) and Common Reporting Standards (CRS) on Automatic Exchange of Information (AEOI).
      4. In case any of the information is found to be false or untrue or misrepresenting, I / We am / are aware that I / We may be liable for it.
      5. I / We have provided all the necessary documents / annexures, wherever asked for, to substantiate the information provided by me / us in the form and agree to provide any further information if required, for this registration.
      6. I / We hereby agree and authorize ORO Wealth or MFU to map our existing and future folios with Mutual Funds to this CAN and update the information provided hereinabove in these folios from time to time.
    12. I / We acknowledge and grant no objection to ORO Wealth to forward or transmit any data or my personal information to MFUI / AMC / KRA / Trustees etc for the purpose of obtaining a Common Account Number or a PayEezz Reference Number and/or to update the KYC records. Additionally, all transaction details recevied by ORO Wealth would be used for providing portfolio tracking services.
    13. I / We agree to indemnify ORO Wealth or MFUI from and against any claims, actions or demands, including without limitation legal fees alleging or resulting from the breach of any illegal, unauthorized or fraudulent usage of eCAN or the breach of terms and conditions contained herein.
  21. Moneyfeed

    1. The Services may contain information, text, links, graphics, photos, videos, or other materials (“Content”), including Content created with or submitted to the Services by you or through your Account (“Your Content”). We take no responsibility for and we do not expressly or implicitly endorse any of Your Content.
    2. By submitting Your Content to the Services, you represent and warrant that you have all rights, power, and authority necessary to grant the rights to Your Content contained within these Terms. Because you alone are responsible for Your Content, you may expose yourself to liability if you post or share Content without all necessary rights.
    3. You retain any ownership rights you have in Your Content, but you grant Orowealth the following license to use that Content: When Your Content is created with or submitted to the Services, you grant us a worldwide, royalty-free, perpetual, irrevocable, non-exclusive, transferable, and sublicensable license to use, copy, modify, adapt, prepare derivative works from, distribute, perform, and display Your Content and any name, username, voice, or likeness provided in connection with Your Content in all media formats and channels now known or later developed. This license includes the right for us to make Your Content available for syndication, broadcast, distribution, or publication by other companies, organizations, or individuals who partner with Orowealth. You also agree that we may remove metadata associated with Your Content, and you irrevocably waive any claims and assertions of moral rights or attribution with respect to Your Content.
    4. Any ideas, suggestions, and feedback about Orowealth or our Services that you provide to us are entirely voluntary, and you agree that Orowealth may use such ideas, suggestions, and feedback without compensation or obligation to you.
    5. Although we have no obligation to screen, edit, or monitor Your Content, we may, in our sole discretion, delete or remove Your Content at any time and for any reason, including for a violation of these Terms, a violation of our Content Policy, or if you otherwise create liability for us.
  22. I/We hereby give you my/our consent to generate any account statements including consolidated accounts statements and MFU Holdings statements on my behalf
  23. I/We hereby give you my/our consent to use any document provided by me/us to Alpha Fintech Private Limited and its subsidiaries including but limited to PAN card, address proof, signature copy for opening my account with MF Utility and for KYC filing and record keeping purposes.
  24. I/We hereby agree that Alpha Fintech Private Limited will have no liability in case my KYC or CAN is either not completed or rejected/suspended for any reason
  25. I/We hereby give you my/our consent to use any data related to me including but not limited to portfolio composition and value for internal analytics and reporting purposes.
  26. I/We hereby give you my/our consent to share/provide the transaction data feed/portfolio holdings/NAV. etc in respect of my/our investments under Direct Plan of all Schemes managed by you to the SEBI Registered Investment Adviser (INA 000005549 and INA 000010089) whose code is mentioned here.
  27. ORO Wealth can retrieve your signature from PAN card for on-boarding process and also to setup one time debit mandate with your bank to transfer funds to MFU Escrow account only.
  28. ORO Wealth will have access to your mutual fund holdings which are retrieved from MF Utilities India PVT LTD.
  29. We provide a feature called AutoSync to import your external portfolio of mutual funds and stocks on to Orowealth platform. And if you have opted in for AutoSync, Orowealth will read your email inbox to regularly upload your portfolio.
  30. Orowealth P2P

    Alpha Fintech Pvt. Ltd. and its subsidiaries, employees and directors (Registered Investment Adviser (INA000005549) and (INA000010089) , referred to as "Oro", "Orowealth", "ORO Wealth") makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable. Orowealth will not share any personal information it collects with any third party, except for the cases specified in our Privacy Policy
    1. Orowealth P2P is an investment product by.Orowealth in partnership with Liquiloans. The Orowealth P2P website is owned and operated by Orowealth. The website is being provided to you expressly subject to this Agreement. By accessing, browsing and/or using the website, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations. The terms and conditions of this Agreement form an essential basis of the bargain between you and Orowealth.
    2. LiquiLoans is registered P2P Platform, as per the existing regulations of Reserve Bank of India and its products and services are regulated by Reserve Bank of India at present. LiquiLoans is not operating a Portfolio Investment Scheme as defined under the regulations of Securities Exchange Board of India (SEBI) and Members will retain discretion over the Funds described in the manner in these Terms. You can read their Lender Terms & Condition here and there Privacy policy here.
    3. By using this Orowealth P2P Website and accordingly the services of Orowealth you, the end user unconditionally agree to the terms and conditions that we have provided herein for the use of our Website. By checking any acceptance boxes, clicking any confirmation buttons, submitting any text or content or simply by making any use of the Website, you (i) accept the Terms of Use that appear here and agree to be bound by each of its terms, and (ii) represent and warrant to Orowealth that: (a) You are at least Twenty one (21) years of age and have the authority to enter into these Terms; (b) these Terms are binding and enforceable against you; (c) to the extent an individual is accepting these Terms on behalf of an entity, such individual has the right and corporate authority to agree to all of the terms set forth herein on behalf of such entity; and (d) You have read and understand Orowealth’s Privacy Policy, the terms of which are posted at the Website and incorporated herein by reference (the "Privacy Policy"), and agree to abide by the Privacy Policy.
    4. The Orowealth P2P website gives you an introduction to the services and products of Oroweath P2P. However, this is not an offer or solicitation of any nature by Orowealth. Any information, projection or assumption included on the Orowealth P2P website is not intended to give you any legal, financial, taxation or other professional advice and, should you propose to use any of the products or services described on this Website or otherwise deal with Orowealth P2P, you are strongly advised to obtain appropriate independent professional advice before proceeding. Every effort has been made to ensure, that the information contained on the Website is correct, however we makes no warranty as to the accuracy, comprehensiveness, or correctness of any of the information, services or products on this Website. Whilst we will try to keep the information on this Website up-to-date and accurate, no warranties or representations (whether express or implied) are made by Orowealth P2P or anyone connected with Orowealth (including their officers, agents, employees, affiliates and/or advisers) concerning the completeness, accuracy or reliability of any matter included on this Website or any other information provided by Orowealth P2P to you or to any Member in connections with any Orowealth product or service.
    5. The contents of the Website are owned by and copyrighted by Orowealth and reproduction of all or any part of this Website is prohibited without Orowealth’s prior written consent. "Orowealth P2P" is a trademark used by us and no license or right is given to you to use this name. Any links to other websites are provided for your convenience only and their inclusion does not mean that Orowealth endorses or approves of those Websites nor does Orowealth accept any responsibility for any matter contained on those other Websites. Orowealth is not responsible for any delays or loss of or corruption of data as a result of either the use of Orowealth P2P Website by you or your communications over the internet with Orowealth P2P, which are entirely at your risk. We will not accept any responsibility for any losses, claims or damages of any kind, whether direct or indirect or special or consequential or otherwise howsoever arising in relation to the foregoing.
    6. You may browse the Website and view some content without registering, but as a condition to using certain aspects of the Website, you are required to register with Orowealth P2P, by creating an account. On creating an account, an investment account with LiquiLoans as a lender is created by accepting the Lender Agreement (Here) and Terms & condition (here).
    7. You agree that all personal information and data about you that is obtained by Orowealth through Orowealth P2P Website may be used and disclosed in accordance with Orowealth & LiquiLoans's Privacy Policy, the terms of which you accept.
    8. In the event of any claim made against Orowealth P2P, and/or the respective officers, agents, employees and/or affiliates (“Indemnified Parties”) in respect of any breach of any of your obligations under these Terms, you agree to indemnify and hold such indemnified parties harmless against all damages, losses costs and claims thereby incurred.
  31. Grievance Redressal

    Redressal Mechanism: Any complaints, abuse or concerns with regards to content and or comment or breach of these terms shall be immediately informed to the designated Grievance Officer as mentioned below via in writing or through email signed with the electronic signature to Grievance Officer, at vijay@orowealth.com or write at the following address:

    Mr. Vijay Kuppa
    Grievance Redressal Officer
    Orowealth
    Address: Innov8 Co Working, Kailash Business Park
    Vikhroli West Mumbai 400079
    Ph: 9819492358

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

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

    You can choose to provide explicit consent to connect your Gmail account with Orowealth account (using Google’s OAuth authentication method), so that the application / website can “read only” the attachment from a small white listed set of senders specifically comprising

    • donotreply@camsonline.com
    • samfd@karvy.com
    • nsdl-cas@nsdl.co.in
    • eCAS@cdslstatement.com
    • NSE-direct@nse.co.in
    • samfd@kfintech.com
    • samfS@kfintech.com
    • CRA@NSDL.co.in
    • KCRA@kfintech.com
    • enq_H@camsonline.com
    • enq_P@camsonline.com
    • axismf@kfintech.com
    • enq_k@camsonline.com
    • nimf.txn@kfintech.com
    • enq_L@camsonline.com
    • nimf.pur.txn@kfintech.com
    • utimf@kfintech.com
    • mgrpt@bseindia.in

    If the sender email ids are changed then we will notify you and also update this Privacy Policy.

    The attachments from these senders have the details of your investments such as Folio numbers, Transaction Dates, Dividends, Subscription and Redemption Amounts, etc. Orowealth organises this information in your account to provide deep analytics.

    The benefit of opting to connect your Gmail account is that your investment information gets updated automatically every month. Given the updated information, the application can hence give you deep and accurate analytics on your investments.

    You can choose to de-link your Gmail account with the application at any time and/ or you can delete your information by writing to connect@orowealth.com Alternatively, you can also de-link your email by visiting Google Mail’s permission settings located at: myaccount.google.com/permissions

    This act of connecting your Gmail accounts with Orowealth accounts comes under the “Restricted scopes” under Google API services user data policy.

    Google OAuth API Scopes (Restricted scopes):

    Orowealth ensures that it is always in compliance with the restricted scope defined under Google OAuth API policies.

    1. Orowealth limits use of data to provide or improve your user experience. Connecting your Gmail account with Orowealth is completely optional and based on your explicit consent for only specific use cases as has been described in this Privacy Policy. The benefit of this option is that you do not need to keep updating your investment information every month. Given the updated information, the application can hence give you deep and accurate analytics on your investments. You can choose to de-link your Gmail account with the application at any time and/ or you can delete your information by writing to connect@orowealth.com Alternatively, you can remove access to Orowealth from Google Mail’s permission settings located at: myaccount.google.com/permissions.
    2. We only transfer the data to others if necessary to provide or improve user-facing features that are prominent in the requesting application's user interface. We may also transfer data as necessary to comply with applicable law or as part of a merger, acquisition, or sale of assets with notice to users. All other transfers or sales of the user data are prohibited.
    3. We don't use or transfer the data for serving ads, including retargeting, personalized, or interest-based advertising and we do not allow and we prohibit access to any of the third party analytics providers.
    4. We don't allow humans to read the data, unless :
      1. We first obtain your affirmative agreement for specific messages;
      2. It is necessary for security purposes (such as investigating a bug or abuse);
      3. It is necessary to comply with applicable law; or
      4. Our use is limited to internal operations

    These prohibitions of user of data apply to the raw data obtained from Restricted Scopes and data aggregated, anonymized, or derived from them. Our employees, agents, contractors, and successors comply with the “Google API Services: User Data Policy”.

  33. Amazon Save & Shop

    1. “Save & Shop” shoping goal shall mean an investment into a basket of pre-identified liquid mutual fund scheme(s) funds that are disclosed to the investor prior to making the investment. The amount invested in the Save & Shop shopping goal will be subject to time and amount based limits and/restrictions at Orowealth’s discretion. Mutual funds are subject to market risks and none of the parties mentioned here make any representation with respect to the performance and/or the return(s) of any Mutual Fund scheme(s).
    2. “Investment Advice” means any advice relating to investing in, purchasing, selling or otherwise dealing in securities or investment products, and advice on investment portfolio containing securities or investment products, whether written, oral or through any other means of communication for the benefit of the investor;
    3. “Investor” shall mean an investor who has opted to invest in the Save & Shop shoping goal.
    4. “Orowealth” means Alpha Fintech Private limited and "its group of companies".
    5. “Amazon Pay Gift Card” means an Amazon Pay Gift Cards issued by Qwikcilver Solutions Private Limited
    6. “Gift Card Offer” means the option provided by Orowealth to the Investor to apply in full or part of the redemption amount from their Save & Shop shopping goal for the purchase of Amazon Pay Gift Card(s) during the offer period and get an additional 3% top up on the Gift Card purchase amount;
    7. “Offer Period” means the period during which the investor can redeem all or part of their investments in the Save & Shop shopping goal and get an option to purchase Amazon Pay Gift Card(s) for up to the value of the redemption from the Save & Shop shopping goal. The offer period begins 01-October-2020 and ends 30-November-2020 both days inclusive. Orowealth reserves the right to modify the offer period and any such change will be announced in advance on the Save & Shop account page on the Orowealth website and mobile application as well by way of an email to the registered email address of the Investor.
    8. “UPI Payment Mode” shall mean UPI payments from a valid bank account of the Investor.
    9. 1. I hereby understand, agree and acknowledge that:
      1. (i) the purchase of Gift Cards is an optional facility for the use of proceeds from the redemption of the entire or part of the amount invested in the Save & Shop shopping goal. This option to purchase the Gift Cards shall be available only on the redemptions from the Save & Shop shopping goal initiated during the Offer Period.
      2. (ii) Purchase of Amazon Pay Gift Card(s) shall be eligible under this Gift Card Offer only when the UPI Payment Mode is used for the purchase of Amazon Pay Gift Card(s).
      3. (iii) Amazon Pay Gift Card(s) is subject to the terms and conditions as may be issued by Qwikcilver Solutions Private Limited. These can be viewed at this link. I have read, understood and agreed to all such terms and conditions.
      4. (iv) Neither Orowealth nor Amazon Pay (India) Private Limited or Qwikcilver Solutions Private Limited has provided any Investment Advice to me in connection with the utilization of the redemption amount or part thereof from my Save & Shop shopping goal for purchase of Gift Card(s) and that I have made my own informed decision in relation to the same.
      5. (v) upon the successful claim of the Amazon Pay Gift Card(s) to the Amazon Pay Balance associated with either email or mobile number provided by me, Orowealth will have no responsibility or liability, directly or indirectly, towards me with respect to the Amazon Pay Gift Card(s).
      6. (vi) Orowealth’s role in relation to the Gift Card Offer is limited to facilitating the purchase of Amazon Pay Gift Card(s). Orowealth shall under no circumstances be responsible, directly or indirectly, for any deficiencies in the Amazon Pay Gift Card(s) once such Amazon Pay Gift Card(s) is successfully claimed & added to an Amazon Pay Balance account associated with either email or mobile number provided by me. The Gift Card(s) to be provided to me is not the product and service of Orowealth and therefore Orowealth shall not in any way be deemed to be making any representation or warranty whatsoever in connection with the Gift Card(s), including in relation to its adequacy or validity.
      7. (vii) the terms and conditions of this Gift Card Offer are governed by and construed in accordance with Indian law. Further, the courts of Bengaluru shall have exclusive jurisdiction in relation to the terms and conditions of this Gift Card Offer.
  34. Orowealth FD User Dislclosure

    The User hereby declares/confirms that:
    1. All FDs are made by me and are for my own behalf and not acting as front or on behalf of someone else.
    2. All payments made through Orowealth, for investments in Fixed Deposit Product(s), shall be only from my own Bank Account and out of funds obtained from legitimate sources. In case of a joint bank account, I am one of the holders of such bank account and is also authorized by the other joint bank account holder for making such transactions.
    3. I understand that all the investment in Fixed Deposit products are subject to the respective Financial Institutions Terms and Conditions and I agree to abide by the same.
    4. The said investments in FDs do not contravene any Act, Rules, Regulations, Notifications or Directives of the provisions of the Income Tax Act, Anti Money Laundering Laws, Anti-Corruption Laws or any other applicable laws enacted by the Government of India from time to time.
    5. I understand that Alpha Fintech Pvt. Ltd. may share/collect my Personal and Transactional information with/from its Group Companies, Vendors, Business Partners, Financial Institutions and other third
    6. I understand that Alpha Fintech Pvt. Ltd. may share/collect my Personal and Transactional information with/from its Group Companies, Vendors, Business Partners, Financial Institutions and other third parties, in order to (a) provide the services mentioned herein and/or (b) to ensure smooth execution of Users Request and/or (c) to customize offers/products/services and to provide seamless experience and/or (d) for cross selling.
    7. I understand that Alpha Fintech Pvt. Ltd. and/or its group companies or their authorised agents can contact me for verifying my details, offering support and information on suitable products, assisting in closing a sale or sharing related information, promotional messages, renewal reminders, claim assistance etc.
    8. Thereby give consent to Alpha Fintech Pvt. Ltd. to provide electronic confirmation feeds to the concerned FI regarding acceptance of the terms and conditions by the me and/or for doing transactions through the Orowealth and/or any other confirmation/document/details as may be required by the Fl from time to time relating to my transactions as may be required under applicable Laws.
    9. I hereby give consent to the concerned Financial Institutions for sharing information with Alpha Fintech Pvt. Ltd, in any manner, about my transactions, executed through Orowealth
    10. I accept Orowealth’s Privacy Policy and Terms & Conditions.
  35. Bajaj Finanace Fixed Deposit Terms & Conditions

    1. ACCEPTANCE OF DEPOSITS:
      1. (I) Bajaj Finance Limited (hereinafter referred to as the 'Company'/'BFL') shall accept fixed deposit (“Deposit”) at its sole and absolute discretion and subject to the terms and conditions contained herein.
      2. (ii) The applicant agrees and acknowledges that the applicant (a) is 18 (eighteen) years of age; (b) is of sound mind; (c) can understand, read and write in English language, (d) has read, understood and agrees to be bound by these terms. Where the applicant is a minor, the Company may accept the Application provided the Application is signed by the natural or court appointed guardians of the minor on behalf of the minor and upon submission of such documents as may be required by the Company.
      3. (iii) The Company does not accept deposits from foreign nationals except Person of Indian Origin. The entities incorporated/registered/ constituted in India and carrying business in India are eligible for placing Deposit with BFL.
      4. (iv) The Company shall accept Deposits subject to the minimum amount of deposit prescribed by the Company under the Fixed Deposit Application Form (“Application”). In the event amount received by the Company for placing Deposit is less than the minimum amount prescribed in this regard, the Company reserves the right to reject the application for placing the Deposit. No interest shall be payable by the Company in relation to such deposits.
      5. (v) Deposits shall not be accepted in cash.
      6. (vi) The applicant agrees to submit all documents and information as may be required by the Company in relation to the Deposit, in such form and manner as may be prescribed by the Company.
      7. (vii) The Company reserves the right to accept or reject any application received for opening or placing the Deposit without assigning any reason whatsoever. The amount in relation to such rejected Application will earn an interest equivalent to 12M cumulative ROI applicable to the particular customer category at the time of application in case of cases in which depositor has not been identified and cases put on hold due to any reason. The said amount will be refunded within 15 business days for resident individual deposits, 30 days for corporate deposits and 45 days for non resident deposits.
      8. (viii) The minimum amount, period and rate of interest of the scheme are indicated on cover page of the Deposit Application Form.
    2. JOINT DEPOSITS:
      1. (I) Application may be made in joint names subject to a maximum of three applicants. The Deposit will be opened in joint names subject to the condition that all the applicants (a) sign the Application in their individual capacities (b) submit KYC and other documents as specified by the Company and (c) meet the eligibility criteria specified by the Company. Mode of Operation/Amount to be paid upon maturity will be pre- defined basis no. of joint holders (single holding – First Holder, 2 holders – either or survivor, 3 holders – anyone or survivor).
      2. (ii) All communications in relation to the Deposit will be addressed in the name of the first applicant appearing in the Application.
      3. (iii) All the payments in relation to the Deposit placed in joint names including interest and maturity proceeds, will be made in the name of the first applicant in the Application including for the purpose of deduction of tax at source and any discharge given by such first applicant in respect to any payments made by the Company will be binding on the other joint applicant(s). The proceeds will be transferred to guardian, if the FD is opened in minor's name.
    3. FIXED DEPOSIT RECEIPTS
      1. (I) Fixed Deposit Receipts (“FDR”) will be couriered to the depositor(s) within a period of three weeks from the date of Deposit.
      2. (ii) In case of change in KYC documents/ status of any of the Applicant, the Applicant shall immediately inform BFL regarding the said change and submit the revised KYC documents/ updated status to BFL, failing which BFL shall not be held responsible for any consequences, actions, claims, loss due to the said change in KYC.
      3. (iii) Deposit(s) are not transferable and non-assignable. Third party lien on deposit is NOT permitted under any circumstance except in favour of the holding/subsidiary and /or Group Companies of BFL.
      4. (iv) In the event of loss or destruction or mutilation of an FDR (for any reason) and upon request received by BFL, FDR will be re-issued by BFL in lieu of lost FDR. Notwithstanding the re-issuance of FDR(s), the obligation of BFL is limited to the single FDR only, against which the money has been received by BFL. Under all circumstances, mere re-issuance of FDR(s) by BFL against single deposit of money will not result in duplication of payment or higher liability on the part of BFL. All expenses, if any, incurred in this connection will be borne by the depositor(s).
    4. INTEREST:
      1. (I) Individual applicants or primary applicants falling under special category of Senior citizens (i.e. persons more than 60 years of age, subject to provision of proof of age) will be eligible for additional interest at the rate of 0.25% p.a. on Deposit amount of up to Rs.5 (five) crore;
      2. (II) Individual depositor applying for deposit through BFL online link https://www.bajajfinserv.in/fixed-deposit-application-form? ProductName=FD (where entire journey is concluded through online mode) will be eligible for additional interest at the rate of upto 0.10% p.a. on Deposit amount of upto Rs.5 (five) crore. The applicant will be eligible for only one of the above-mentioned benefits per deposit transaction
      3. (III) Depositor (s) (individual depositor only and does not include entities) intending to renew the FDR upon maturity will be eligible for additional rate of upto 0.10% p.a. for deposit size up to Rs.5 Crore. Additional rate of interest will be over and above the applicable rate of interest/card rate . In case of online renewal, only renewal benefit will be applicable
      4. (iii) Rate of interest for bulk deposits for more than Rs.5 Crore per deposit may vary from the published card rate and will be decided on case to case basis but within the cap on Rate of Interest specified by the Reserve Bank of India.
      5. (iv) Interest payable on a Deposit will be calculated from the date of receipt of the funds by the Company in relation to the Deposit. The dates for interest payments are as follows:
        a. In case of non-cumulative Deposits:
        Monthly interest payments: Last date of month Quarterly interest payments: 31st March, 30th June, 30th September and 31st December Half yearly interest payments: 31st March and 30th September Annual interest payments: 31st March
        b. In case of Cumulative Deposits:
        Date of maturity of the Deposit
        c. Interest calculation methodology
        For the purpose of interest calculation, calendar year is taken to consist of 366 days in a leap year and 365 days in a non-leap year. E.g. FD of Rs. 10 lakhs booked on 15-Apr-2020 for tenure 1 year @10 per annum Interest from 15-Apr-2020 till 31-12-2020, will be calculated as:10 lakhsx10 x261/366 days = Rs.71311 Interest from 01-Jan-2021 till 14-Apr-2021 will be calculated as:10lakhsx10 x104/365 days = Rs. 28493/-
        d. Payment of maturity proceeds on holiday
        1. If maturity falls on a banking holiday, then interest will be paid the next banking working day. The additional interest for the time period will be calculated on maturity value and not principal value 2. In respect of a term deposit maturing for payment on a Sunday or a holiday or a non-business working day, Bajaj Finance would pay interest at the originally contracted rate for the Sunday / holiday / non-business working day, intervening between the date of the expiry of the specified term of the deposit and the date of payment of the proceeds of the deposit on the succeeding working day.
      6. (v) Once the applicant selects the Deposit scheme specified in the Application at the time of opening the Deposit i.e. the scheme, tenor and interest payout frequency, the applicant will not have the option to subsequently revise the Deposit scheme. In the event the scheme is not indicated in the Application received by the Company, the Deposit will suo moto be opened under cumulative deposit scheme for a period of 60 (sixty) months. In case the applicant opts for non-cumulative deposit option but the interest payout frequency is not indicated in the Application, the Deposit will be treated as placed under the annual interest payout frequency scheme.
      7. (vi) The interest will be paid through National Electronic Funds Transfer (NEFT)/ Real Time Gross Settlement (RTGS) only. In case of any rejection of such instruction for NEFT / RTGS due to any reason, the Company will dispatch interest cheque, in favour of the first applicant in the Application, within 10 (ten) days of the receipt of intimation by the Company from its bank about such rejection
      8. (vii) Customer may be offered an additional interest rate on a case to case basis (within the scope of Regulatory guidelines) at the discretion of BFL management.
      9. (viii) For funds received by BFL on or after 01 Feb 2021, new rates will be applicable.
    5. NOMINATION:
      1. (I) Nomination facility is available to the applicants. For availing the nomination facility, the applicant(s) is/are required to furnish the nominee details in this application form or applicant will be required to submit a duly filled 'Form DA 1' as prescribed by Reserve Bank of India. The “Form DA 1” is available in the branches of the Company & Company's website at https://www.bajajfinserv.in/ fixedagreements- termsand- conditions (“Website”). Nomination made by the depositor/applicant(s) in the manner prescribed by the Company, shall be binding on all the joint depositor/applicant(s).
      2. (ii) Upon request of the depositor(s), the Company will arrange to send forms for cancellation of nomination (Form DA 2) and variation of nomination (Form DA 3).
      3. (iii) Where there is no nomination made by the depositor, either the Indian Court's order/ judgement/ decree will be obtained (as the case may be), directing BFL to pay the deposit to the legal heir.
    6. PAYMENT AND RENEWAL OF DEPOSIT
      1. (I) Payments on account of interest and redemption of the Deposit, will be made in the bank account mentioned in the Application or such other bank account intimated by the deposit holder(s) (jointly, if applicable), in writing, to the Company from time to time or by way of cheque in favour of the first applicant appearing in the Application.
      2. (ii) The Company will make repayment of Deposit on the date of maturity of such Deposit unless it receives any request for renewal within the prescribed period before the date of maturity. The payment will be made through NEFT/RTGS and cheque (in case of rejection of transfer by NEFT/ RTGS), to the bank account of the depositor mentioned in the Application.
      3. (iii) In the event of death of the sole depositor and/or all the joint depositors, all payment(s) in relation to the Deposit including interest thereon will be made to the nominee appointed by the depositor(s) on production of proof of identity and on execution of such other documents as may be required by the Company in this regard. In the event there is no nomination by the sole depositor, the Deposit amount including interest thereon will be transferred to the legal heirs or legal representatives of the deceased depositor(s), as the case may be, upon submission of Succession Certificate/Letter of Administration/Probate of the Will to the satisfaction of the Company. In the case of joint depositors, the nominee's right to receive the amount of Deposit including interest shall arise only after the death of all the depositors. The nominee, in the event of death of the depositor(s) would receive such amounts in trust for the legal heirs.
      4. (iv) The depositor should submit a written request for renewal of the Deposit (or a portion thereof) so as to reach BFL atleast 3 (three) business days before maturity date of the Deposit. The written request can be submitted at nearest branch of the Company or sending by post/ courier to the Company or to the independent financial advisors or national distributors empaneled with the Company. No requests for renewal of Deposit shall be accepted post the above-mentioned period. Request for renewal should be accompanied by the Deposit application form duly filled in and signed by all the Deposit holders. Renewal of Deposits will be subject to the rate of interest and other terms & conditions prevailing on the date of renewal. FDR of the existing deposit may not be required at the time of renewal of deposits as it stands null & void post its maturity date.
      5. (v) In case where the depositor has opted for renewal of deposit through this application form, however, wishes to cancel the renewal request, the depositor should submit a specific written request so as to reach the Company atleast 3 (three) business days before maturity date of the Deposit. The written request can be submitted at nearest branch of the Company or sending by post/ courier to the Company or to the independent financial advisors or national distributors empaneled with the Company. No requests shall be accepted post the above- mentioned period.
    7. PREMATURE WITHDRAWAL:
      1. (I) Premature withdrawal is permitted for either one or more deposit provided the FD has completed more than 3 months from the date of issuance. The death claims will be settled in accordance with the terms and conditions applicable to Fixed Deposit.
      2. (II) A request form for premature withdrawal will have to be given by depositor(s).
      3. (III) Deposits may be withdrawn prior to the date of maturity subject to the regulations of the Reserve Bank of India in this regard. Please note that premature withdrawal of Deposit (including death cases) is subject to the following conditions:
        1. (a) Up to 3 (three) months from date of Deposit: Withdrawal of the Deposit is not permitted. However, in the event of death of a depositor, the Company may repay the Deposit prematurely (irrespective of the lock in period) to the surviving depositor (which in the case of joint holders will be the first in the sequence of applicants in the Application) or to the nominee/ legal heir(s) of the deceased depositor, upon the request of surviving depositor/s/nominee/legal heir, as the case may be, and only subject to submission of proof of death and other requisite documents to the satisfaction of the Company.
        2. (b) After 3 (three) months but before 6 (six) months from the date of the Deposit: Interest shall not be payable.
        3. (c) After 6 (six) months but before the date of maturity of the Deposit: Interest shall be payable at a rate which is 2 lower than the rate specified for the period during which the deposit plan has run. In case no rate is specified for the Deposit period, interest rate payable shall be 3 lower than the lowest rate being offered by the Company.
        4. (d) Income tax wherever applicable and deducted at source and remitted to the applicable tax authority by the Company on behalf of the depositor, before premature withdrawal of Deposit(s), shall not be refunded in any circumstance whatsoever.
    8. LOAN AGAINST PUBLIC DEPOSIT:
      'Loan against the public deposit' facility may be provided to depositors against the Deposit(s) placed with the Company, subject to fulfilment by depositor(s) of the eligibility criteria and other conditions, as may be prescribed by the Company in this regard. Loan can be given against deposit only after 3 months from the date of Deposit. The interest rate on such loans shall be 2 higher than the rate of interest provided on the depositor's Deposit. Please note that the loan to deposit value for such loan facility cannot exceed 75 .
    9. OTHER TERMS
      1. (I) Income-tax, wherever applicable, will be deducted at source on the Deposit in accordance with Section 194-A of the Income Tax Act, 1961 except where appropriate Certificate/form as prescribed under the Income Tax Act, 1961 (refer to Form 15G/H enclosed with the deposit application form) is furnished to Company's registered office at least 2 (two) months prior to the due date of payment of interest. At present tax is deductible if the aggregate amount of interest paid or payable during the financial year exceeds Rs.5,000/- (Rupees five thousand only). It is the sole responsibility of the applicant to provide the Company with a fresh Form 15G/H for every assessment year. Non-submission of relevant form or submission of incomplete/incorrect form may result in tax deduction and BFL will not be responsible for the same. Applicant can also fill Form 15 G/H through Experia. However, if the aggregate amount of interest paid or payable during the financial year exceeds Rs.2,50,000 (Rupees two lacs fifty thousand only) for non senior citizens, Rs.5,00,000 (Rupees five lacs only) for senior citizens and Rs.5,00,000 (Rupees five lacs only) for super senior citizens (aged 80 years and above), then form 15 G/H will not be valid and tax will be deductible. In this respect the extant guidelines as amended from time to time will be applicable. Form 15G/H submitted vide this application will be applicable for all the deposits made under this plan during the financial year. For each financial year, Applicant will have to submit separate Form 15G/H.
      2. ii) TDS is applied on aggregate interest income earned by the customer and can be adjusted against interest income of any fixed deposits, which may not be proportionate to interest income on specific fixed deposit. Wherever such adjustment is carried out against cumulative fixed deposit, the interest reinvested is post TDS recovery. Therefore, the maturity amount for re-investment deposits varies to the extent of tax and compounding effect on tax for the period subsequent of deduction till maturity.
      3. (iii) TDS is also deducted on unpaid interest accrued at the end of financial year viz. 31st March.
      4. (iv) When interest amount is insufficient to recover TDS, the same will be recovered from the principal of the deposit.
      5. (v) In the event of cheque bounce, the cheque will be sent back to applicant's address mentioned on the Application within 15 (fifteen) days. For all RTO (Return to Origin) cheque cases, the cheque will be held by the Company until the validity of the instrument, post which it will be destroyed without further notice to the applicant.
      6. (vi) In the event of death of any of the joint depositors, any modification in the names of the deposit holders appearing on the FDR and/or change in the bank account where interest and/or maturity proceeds are to be credited, shall be effected only upon submission of a notarized copy of the death certificate in the name of the deceased depositor along with appropriate instruction, to the Company, issued jointly by all the surviving deposit holder(s), in writing, to carry out such modifications.
      7. (vii) The Company will send all communications to the deposit holder(s) in electronic form from time to time at the email ID mentioned in the Application and through SMS on the registered mobile number.
      8. In case of failure in transmission of such communication, the Company will send physical copy of such communication within 10 (ten) days of such failure of transmission.
      9. (viii) Any change in the address, email ID, bank account etc., mentioned in the Application shall be effected by the Company only on the basis of written instruction signed by all the concerned deposit holder(s).
      10. (ix) The Company reserves the right to alter, amend or delete any or all the conditions stipulated above or to vary them in special cases or to accept Deposits only for such periods as it may decide from time to time and to repay the Deposits prematurely before the date of maturity.
      11. (x) The accompanying advertisement inviting fixed deposits forms part of the Deposit Application form.
      12. (xi) Disputes, if any, arising in connection with the Deposit, will be subject to the exclusive jurisdiction of Courts at Pune.
      13. (xii) By submitting this Application, the Applicant(s) hereby expressly consent and authorise BFL/ its representatives/its agents/ its business partners/its group companies*/its affiliates to send the Applicant any communication regarding products/services offered by them using various communication channels, such as, telephone, calls/SMS/bitly/bots/emails/post etc., irrespective of rejection of this Application.
      14. (xiii) Requests related to any change in bank details should reach us at least 7 days prior to the interest or maturity payment
    10. HOW TO APPLY
      1. (I) Applicant(s) are requested to go through the terms and conditions as mentioned above. These terms and conditions form part of the Application.
      2. (ii) The attached deposit application form should be duly filled and signed by the applicant(s). The amount should be deposited only by online transfer or by a CTS compliant account payee cheque drawn in favour of 'Bajaj Finance Ltd Fixed Deposit Account Number 00070350006738' clearly stating the deposit amount alongwith the application number on the rear side of the cheque.
      3. (iii) In case of investment through cheque, application form alongwith the cheque and required documents may be submitted with any of Company's branch or authorised distributors. For investment through NEFT/RTGS, please use the following details: Beneficiary Name: Bajaj Finance Ltd, Bank acc no.: ZBAJAJFD (numerical account number is replaced by CMS Collection code – ZBAJAJFD), Account type: current account, Bank Name: IndusInd Bank Ltd, IFSC: INDB0000006, Bank branch: Nariman Point, Mumbai. Applications can also be made online by visiting HYPERLINK www.bajajfinserv.in/fixed-deposit or any of our affiliated partner websites or apps.
      4. For any investment queries or information about our affiliated partner websites, write to us at HYPERLINK "mailto:fd@bajajfinserv.in" fd@bajajfinserv.in or call us on +91 8698010101
      5. (iv) Introduction of all the applicants is compulsory. Such introduction may be by any one of the following methods:
        1. (a) The applicant can also obtain introduction from any other fixed deposit holder with BFL. The said existing depositor will be required to disclose his/her name and fixed deposit receipt number and provide his/her signature, as per specimen signature in BFL records;
        2. (b) The applicant can also introduce himself/herself by producing original of any one of the documents (which contains the photograph of the applicant) mentioned in the list of Mandatory and Officially Valid Documents provided in the Application and a recent coloured photograph to BFL for verification. The aforesaid coloured photograph and a copy of such document produced is required to be attached with the Application.
    11. 11. IMPORTANT INFORMATION
      1. (I) In the event of non-repayment of the Deposit or part thereof as per the terms and conditions of such Deposit, the depositor may approach National Company Law Tribunal, Mumbai Bench at: 6th Floor, Fountain Telecom, Building 1, Mahatma Gandhi Road, Fort, Mumbai, Maharashtra 400001.
      2. (ii) In case of any deficiency by the Company in servicing its Deposit, the depositor may approach the National Consumers Disputes Redressal Forum, the State Level Consumers Disputes Redressal Forum or the District Level Consumers Disputes Redressal Forum for relief.