Disclaimer

1. Nature of Our Business

RAJESH G GHIYA is an AMFI-registered Mutual Fund Distributor (ARN-28235) providing the following services:

• Facilitating purchase, redemption, switch, and SIP registration of Mutual Fund units on behalf of investors
• Distributing Specialised Investment Funds (SIF) as an AMFI-registered SIF distributor
• Providing investor education content, financial calculators, and general financial information

2. Investment Risk Disclaimer

Mutual Funds

• Mutual Fund investments are subject to market risks — NAV may rise or fall based on market conditions
• Past performance does not guarantee future returns — do not invest based on past performance alone
• There is no assurance that the investment objective of any scheme will be achieved
• RAJESH G GHIYA deals in Regular Plans only — trail commission is earned from AMCs as part of TER, which is not an additional charge to investors
• Direct Plans are available at lower expense ratios through AMC portals — RAJESH G GHIYA does not facilitate Direct Plan investments
• Please read the Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM) carefully before investing

Specialised Investment Funds (SIF)

3. Website Content Disclaimer

• The content on rajeshghiya is for general information and educational purposes only — it does not constitute investment advice
• Information on this website is updated periodically but may not always reflect the most current market conditions or regulatory changes
• RAJESH G GHIYA does not warrant the accuracy, completeness, or timeliness of any information on this website
• Any views, opinions, or market commentary on this website are the general views of RAJESH G GHIYA and should not be construed as personalised advice
• Third-party links on this website are provided for convenience only — RAJESH G GHIYA is not responsible for third-party content

4. Commission & Remuneration Disclosure

• RAJESH G GHIYA receives trailing commission from AMCs on Regular Plan Mutual Fund investments — this is part of the scheme's TER and is not an additional charge to investors
• Exact commission details are available on our Commission Disclosure page at rajeshghiya/commission-disclosure
• Commission earned on your investments is visible in your Consolidated Account Statement (CAS) from CAMS, KFintech, or MF Central
• All product recommendations are based on investor suitability — never on commission rates received
• RAJESH G GHIYA does not receive any non-cash benefits, gifts, or incentives from AMCs that could create a conflict of interest

5. Grievance Redressal Officer (GRO)

6. Grievance Escalation Matrix

If not satisfied with our response, escalate in the following order:

7. Regulatory Registration Details

8. Data Privacy

All personal data collected by RAJESH G GHIYA is handled in accordance with our Privacy Policy (available at rajeshghiya/privacy-policy) and the Digital Personal Data Protection Act 2023 (DPDPA 2023). Your data is never sold or shared with unauthorised third parties.

9. Limitation of Liability

• RAJESH G GHIYA shall not be liable for any investment losses arising from market fluctuations or scheme performance
• RAJESH G GHIYA shall not be liable for decisions made by investors based on general information or educational content on this website
• Our liability is limited to the specific service transaction in question, as permitted by applicable law
• This website and its content are provided "as is" without any warranty of any kind

10. Intellectual Property

All content on rajeshghiya including text, graphics, logos, calculators, and design is the intellectual property of RAJESH G GHIYA. Reproduction without written permission is prohibited. AMFI, SEBI, and AMC logos used on this website are the property of their respective owners and are used for informational purposes only.

11. Scheme Information and Risk Disclosure

A. Scheme Information

Before investing in any Mutual Fund scheme or SIF investment strategy, please read the scheme related documents: the Scheme Information Document (SID), the Statement of Additional Information (SAI) and the Key Information Memorandum (KIM). These documents describe the scheme's objective, where it invests, its risks, its Riskometer and its expenses.

The documents are also available on the website of the respective Asset Management Company (AMC) and on the AMFI website (https://www.amfiindia.com/ ↗). We also send the SID/KIM link and the latest factsheet to the customer with every recommendation.

When an AMC changes a fundamental attribute of a scheme, the AMC's addendum is forwarded to the affected customers. Scheme performance may be checked on the AMFI website (https://www.amfiindia.com/net-asset-value ↗) and on the website of the respective AMC. We share the investment status report with our customers and inform them of regulatory and operational changes that affect them.

B. Risk Disclosure

Investments in Mutual Fund schemes and SIF investment carry risk. Please understand the following before you invest:

• Market risk, including loss of capital: The value of a scheme moves with the market. It can fall because of market volatility, force majeure events, or changes in the political and economic environment. Returns are not fixed, and you can lose a part of the money you invested.
• Issuer default risk: A company or body whose securities the scheme holds may default on its payments, or may become bankrupt or insolvent. In such a situation the AMC may segregate the affected portion of the portfolio (create a segregated portfolio), and the money in that portion is paid only as and when it is recovered.
• Suspension of redemption: If a scheme faces a liquidity crisis, the AMC may suspend the redemption facility for the period permitted by the rules. During such a period you may not be able to take your money out.
• New Fund Offer (NFO) risks: A new scheme has no track record. Investments in an NFO carry price volatility risk, liquidity risk and, for schemes listed on an exchange, delisting risk.
• Winding up of a scheme: A scheme can be wound up if its instruments turn illiquid, if redemption requests are very high, or on account of unforeseen market events. On winding up, the money is returned as the scheme's assets are sold, which can take time and may be at reduced values.
• Past performance is not indicative of future returns: The Net Asset Value (NAV) of a scheme moves up and down with the market. No return is assured, guaranteed or indicated by us or by any Mutual Fund, and no illustration shown by us assumes a return above 12% per annum.
• SIF specific risks: SIF investment carry market risk and strategy specific risks, and have minimum investment thresholds and risk bands as stated in the strategy documents of the AMC. Read the strategy documents carefully before investing.
• Match the Riskometer with your risk profile: Every scheme carries a Riskometer showing its risk level. Check it against your own risk profile before investing. We explain these risks to every customer at the first investment and again at every additional investment.