1. Acceptance of Terms
By accessing and using the website of Poonam Investment, you agree to be bound by these Terms and Conditions. Your continued use of the platform constitutes your agreement to any future modifications published on this page.
2. Nature of Services
Poonam Investment acts as a Mutual Fund Distributor. We provide distribution and execution-related services and are NOT a SEBI-registered Investment Adviser. All information provided is for educational and informational purposes only and should not be construed as personalised investment advice.
3. Your Responsibilities
Users are responsible for providing accurate and complete information for KYC and investment purposes. You are also responsible for maintaining the confidentiality of your login credentials, OTPs, and any other authentication details used to access investment platforms.
4. No Guaranteed Returns
Mutual fund investments are subject to market risks. Poonam Investment does not guarantee any specific returns, minimum returns, or capital protection on any investment. Investors should read all scheme-related documents carefully before investing.
5. Commission & Fees
As a distributor, Poonam Investment may receive trail commission from Asset Management Companies (AMCs) for investments made through our ARN or empanelment. This commission is borne out of the scheme’s Total Expense Ratio (TER). Unless specifically communicated, no separate fee is charged directly to the investor for mutual fund distribution services.
6. Privacy & Data Protection
Your personal data is handled in accordance with our Privacy Policy and applicable provisions of the Digital Personal Data Protection Act, 2023. We collect and process information only to facilitate transactions, comply with regulatory requirements, and improve our services.
7. Intellectual Property
All content, logos, graphics, and design elements on this website are the property of Poonam Investment (or used with due authorisation). Any unauthorised reproduction, distribution, or commercial use of this content is strictly prohibited.
8. Limitation of Liability
Poonam Investment shall not be liable for any direct, indirect, incidental, or consequential loss arising from market movements, third‑party system failures, connectivity issues, or errors beyond our reasonable control. Investors are advised to make informed decisions considering their own risk profile and financial situation.
9. Termination of Use
We reserve the right to restrict, suspend, or terminate access to our services in cases of suspected fraud, misuse, non‑compliance with regulations, or breach of these Terms and Conditions, without prior notice where necessary.
10. Grievance Redressal
For any complaints or service-related issues, you may contact us using the details provided on our Contact page. Unresolved grievances may be escalated to the SEBI SCORES portal or the SMART ODR platform, as per applicable regulatory guidelines.