Terms & Conditions

1. Who we are

SIFPE ("SIFPE", "we", "us") operates the SIFPE website and mobile application (together, the "Platform"). SIFPE is a mutual fund distributor registered with the Association of Mutual Funds in India (AMFI), ARN 10570 held by Avinash Jain, and acts as an intermediary for insurance and loan products offered by regulated insurers and lenders.

SIFPE is not a SEBI registered investment adviser, portfolio manager, stock broker or research analyst. Nothing on the Platform is investment advice. Fund information is shown to help you decide; the decision stays with you.

2. Acceptance of these terms

By creating an account or using the Platform you agree to these Terms, our Privacy Policy and our Disclosures. If you do not agree, please do not use the Platform.

You must be at least 18 years old and a resident of India with the legal capacity to enter into a contract. Non-resident Indians may use the Platform subject to the applicable FEMA rules and the acceptance policy of each product provider.

3. Your account

You are responsible for the accuracy of the details you give us, for keeping your login credentials confidential, and for all activity under your account. Tell us immediately if you suspect unauthorised access.

Completing KYC (PAN, Aadhaar or other officially valid documents, bank details and FATCA declaration) is mandatory before any mutual fund transaction is placed. Insurance and loan providers may ask for further verification.

4. Mutual fund distribution

SIFPE distributes regular plans of mutual fund schemes. Transactions are executed through the exchange or registrar platforms of the relevant Asset Management Company (AMC). Your money is never held by SIFPE; it moves directly between your bank account and the AMC.

Units are allotted at the applicable NAV as per SEBI rules and the AMC's cut-off timings. Displayed NAVs, returns and rankings are sourced from AMFI and the AMCs and may be delayed. Past performance does not indicate future returns.

SIFPE earns trail commission from AMCs on the schemes you invest in. This is disclosed on the Disclosures page and never charged to you on top of your investment.

• Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
• SIFPE does not guarantee returns, capital protection or liquidity of any scheme.

5. Insurance

Insurance products shown on the Platform are underwritten by IRDAI registered insurers. SIFPE arranges quotes and assists with proposals; the insurer alone decides acceptance, premium and claims. Premiums shown before underwriting are indicative.

Please read the policy wording, exclusions and free-look terms provided by the insurer before paying a premium.

6. Loans

Loan eligibility shown on the Platform is an estimate. Applications are forwarded to partner banks and NBFCs, who make the credit decision, set the interest rate and disburse the loan under their own terms. SIFPE is not a lender and does not guarantee sanction.

7. Calculators, planning tools and the chat assistant

Calculators, goal planners, the financial health score and the chat assistant use assumptions you can see and change. They are illustrative and educational and are not a recommendation to buy, sell or hold any product. Verify important numbers independently or with our team before acting on them.

8. Fees

Creating an account, browsing, comparing and using the calculators is free. We do not charge you an advisory or platform fee. We are compensated by product providers as described in the Disclosures.

9. Acceptable use

You agree not to:

• use the Platform for any unlawful purpose or in breach of SEBI, IRDAI, RBI or PMLA requirements
• provide false KYC or financial information
• attempt to access another person's account or our systems without authorisation
• scrape, copy or redistribute Platform content, data or fund information
• upload malicious code or interfere with the Platform's operation

10. Intellectual property

The SIFPE name, logo, design, text, software and data compilations are owned by or licensed to SIFPE. Scheme names, insurer names and logos belong to their respective owners and are used for identification only.

11. Availability and changes

We aim to keep the Platform available at all times but do not guarantee uninterrupted access. We may change, suspend or withdraw any feature, and may update these Terms. Material changes will be notified on the Platform or by email; continued use after a change means you accept it.

12. Limitation of liability

To the extent permitted by law, SIFPE is not liable for investment losses, market movements, delays or errors by AMCs, registrars, insurers, lenders, payment gateways or exchanges, or for indirect or consequential loss. Our total liability to you for any claim relating to the Platform is limited to the commission we actually earned from your transactions in the twelve months before the claim.

13. Termination

You may close your account at any time by writing to us. We may suspend or terminate access for breach of these Terms, suspected fraud, regulatory direction or prolonged inactivity. Your holdings with AMCs and insurers are unaffected by closure of your SIFPE account and remain accessible through the respective provider.

14. Governing law and disputes

These Terms are governed by the laws of India. Subject to the grievance process described on our Grievance Redressal page and any regulatory mechanism (SEBI SCORES, IRDAI Bima Bharosa, RBI Ombudsman), courts at Rajasthan, India have exclusive jurisdiction.

15. Contact

Questions about these Terms: hello@sifpe.com or +91 94141 57130.