Welcome to Karyam Finserv Private Limited. By accessing our website, mobile platforms, or engaging with any of our services, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree with these terms, please do not use our services.

1. Nature of Services
Karyam Finserv is a registered Mutual Fund Distributor (MFD) operating under the Association of Mutual Funds in India (AMFI). We are not a SEBI-registered Investment Adviser (RIA). Our services are limited to:

• Distribution of mutual fund schemes from registered Asset Management Companies (AMCs)

• Basic assistance with KYC and investment processes

• General financial tools and illustrations

• Goal-based investment facilitation (non-advisory)

Note: We do not provide investment advice, portfolio management, or any advisory services under SEBI Investment Advisers Regulations, 2013.

2. User Acknowledgment
By using our services, you acknowledge that:

• You are aware that Karyam Finserv is not a SEBI-registered investment adviser.

• All investment decisions are made solely at your own discretion.

• Past performance of mutual funds is not indicative of future returns.

• You will read all scheme-related documents before investing.
   

3. Commission Disclosure
We earn commissions from AMCs for mutual fund distribution, which may include:

• Upfront commission (if applicable)

• Trail commission based on assets under management (AUM)

There are no direct charges to the client for our distribution services. Details of commissions received are available on request.

4. Risk Factors

• Mutual Fund investments are subject to market risks.

• You may lose some or all of your capital based on market performance.

• Please consult a qualified investment adviser if you require personalized financial advice.
   

5. Third-Party Platforms
To facilitate transactions, we may link to or integrate with third-party services such as BSE StarMF, MF Central, or AMC portals. Karyam Finserv does not control these platforms and is not responsible for their functionality, data security, or terms.

6. Limitation of Liability
Karyam Finserv shall not be held liable for:

• Any investment losses

• Delays or failures in third-party services

• Technical issues affecting your access to our platforms

You agree to use our services at your own risk.

7. Intellectual Property
All logos, brand elements, website design, and tools are the property of Karyam Finserv and may not be reused or reproduced without written permission.

8. Privacy Policy
We value your privacy. Your personal and financial information is handled in accordance with our Privacy Policy, which forms part of these Terms.

9. Termination of Access
We reserve the right to suspend or terminate your access to our services in case of misuse, fraudulent activity, or non-compliance with these terms.

10. Governing Law
These Terms & Conditions are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts of Bangalore, Karnataka.

11. Changes to Terms
We may revise these Terms periodically. Any changes will be updated on this page with the “Effective Date.” Continued use of our services implies acceptance of the updated Terms.