Terms and Conditions

• As a user of this site, you are permitted to:
  • browse the Site, view the information on it, and avail of the Services, if you so deem fit, but only for your private, non-commercial use;
  • print off pages from the Site to the extent reasonably necessary for your use of the Site in accordance with the above.


• As a user of this site, you shall not be permitted to:
  
  • systematically copy (whether by printing, or storing on a disk or in any other manner whatsoever) substantial parts of the Site, except if it is for your private, non-commercial use and to aid you in your decision making regarding the Services;
  • remove, change or obscure in any way anything on the Site or otherwise use any material contained on the Site except as herein set out;
  • create links to this Site that bypass the home page or other parts of the Site without our prior written permission;
  • reproduce, retransmit, disseminate, sell, publish, and/or broadcast the Site or any segment of it, or use the Site or anything available on it in connection with creating, promoting, trading or marketing investment products without our express written consent;
  • use the Site for unlawful purposes or violate the requirements of any/all applicable laws, statutes or regulations that apply to your access or use of the Site or any information taken or derived from it.


• We are a distributor registered with the Association of Mutual Funds in India (ARN No. 103225), with distribution as our primary activity, and through this website, we only provide basic advice incidental to our primary activity. In view thereof, you acknowledge that:
  
  • Not all information which may be referred to on the Site from time to time may be suitable for you. You should not make any investment decision without consulting a fully qualified financial adviser or legal advisor or or stock broker or investment adviser or other professional advisors.
  • Any action taken by you based on the information or data provided in the Site shall be at your sole judgment and own investment risks or otherwise.
  • Any advice offered to you on the Site with regard to mutual fund products is done with the help of an automated decision engine powered by advanced analytics, and therefore, is completely unbiased. Further, there is no manual intervention, nor do we have any personal motive or role to play in arriving at any portfolio mix to help you meet your financial goals and we don't guarantee any accuracy of the outcome derived by the automated decision engine. Further, you will at all points of time, on demand, indemnify us against any or all actions by any third person as a result of any advice offered to you.


• The Site is meant for the use of citizens of India, Non-Resident Indians, Persons of Indian origin and such other entities as are eligible to invest in mutual fund schemes in India as per the extant laws and regulations in India or the jurisdiction they are subject to. Please note that the Site/Services is/are presently not available to foreign citizens and residents, including Non Resident Indians in such foreign jurisdictions where the Services cannot be offered without prior regulatory compliance. The information provided on the Site and/or Services is/are not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use is contrary to law or regulation, or which may subject us to any registration requirement within such jurisdiction or country. The services do not constitute an offer to sell or a solicitation of an offer to buy any mutual fund units to/from any person in any jurisdiction where it is unlawful to make such an offer or solicitation. It shall be the sole responsibility of foreign residents, foreign citizens including NRIs in foreign jurisdictions to verify whether the facility can be accessed and utilized in their respective jurisdictions. Please further note that the Services are not intended to be any form of investment advertisement or investment information, and have not been registered under any securities law of any foreign jurisdiction, and are only for the use of persons in jurisdictions where it may be lawful to offer such Services. Further, no information on the Site is to be construed as a representation with respect to mutual fund units, regarding the legality of an investment under the respective applicable investment or similar laws or regulations of any person or entity accessing the Site.


• We may deny or block access to the Site, whether wholly or partly, at any time, without requiring to give you any prior notice, or requiring to show any reason for such denial or blockage.


• The information provided on the Site is not intended for distribution or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to the laws and regulations of such county or which would subject us to any registration requirement within such jurisdiction.


• We also reserve the right to suspend the operation of the Site at any time without any prior notice in its entirety or to any specific jurisdiction in our sole decision.


• Copyright and Intellectual Property Rights ' All copyright and other intellectual property rights in any material (including, without limitation, text, photographs and other images and sound) contained in the Site are either owned by us or our third-party content providers. You are only allowed to use the Site and the material contained in the Site only as set out herein. The Site shall not be responsible for any use of such intellectual property by you and you shall use such intellectual property at your own risk.


• You shall be wholly and solely responsible for your interaction with other users of the Site, whether online or offline. We shall not be responsible or in any manner liable for the conduct, misconduct, action or inaction of any user. We reserve the right, but have no obligation, to monitor or become involved (with or without any prior notice) in disputes between you and other users or between different users in the event of any possibility of our interests being prejudiced.


• You agree not to use the Site for any purpose that is unlawful or prohibited by the Terms or the extant laws and regulations applicable to you or is otherwise illegal or unlawful or void or harmful to others or prohibited by law.


• You shall not use the contents of this Site and/or linked websites, if any, in any manner that may result in damaging, disabling, overburdening, or impairing the Site (or the network(s) connected to the Site) or in interfering with any other party's use and enjoyment of the Site.


• You shall not post or otherwise publish on the Site, any material, that is threatening, libelous, defamatory, or obscene; or would constitute, or encourage conduct that would constitute a criminal offense, or give rise to civil liability, or otherwise violate law or legal harmony; infringe the intellectual property, privacy, or other rights of any third parties; contain a computer virus or other destructive element; contain advertising; constitute or contain false or misleading statements, or contain racial, political, religious or race, politics or religion related issues or statements or statements or views which are racially, politically or religiously motivated.


• You shall not aid, abet or attempt, whether directly or indirectly, to gain unauthorized access to the Site, other accounts, computer systems or networks connected to us, through hacking, password mining or any other means. You shall not aid, abet, obtain or attempt to obtain any content through any means not intentionally made available through this Site.


• You shall not fail to comply with the applicable laws, statutes or regulations that apply to your access or use of the Site or any information taken or derived from it.


• Although we will try our best to ensure that all information provided on this Site with respect to the mutual fund products and Services offered are accurate in all respects and up to date, we cannot guarantee the timeliness, accuracy, completeness, reliability or content of the information, and changes may be made with respect thereto from time to time, and the onus is you, as a user, to check the accuracy. Also, as the information contained herein has been obtained from various sources, it may not be possible to update some of them since their original date of posting on the Site, and may not reflect our latest views at all times.
  We and/or our content providers shall, in no event, be liable (whether for breach of contract, negligence or for any other reason) for (i) any loss of profits, (ii) exemplary or special damages, (iii) loss of revenue, (iv) loss of any software or data, (v) loss of opportunity, (vi) loss of use of computer equipment, software or data, (vii) loss of or waste of your, or staff time, or (viii) any indirect, consequential or special loss, however arising.


• By using the Site, you expressly agree that your use of the Site is at your own risk and responsibility. The Services are provided bonafide on an "as is" and "as available" basis. We (including all our affiliates, agents, associates, content developers etc., if any) assume no responsibility and cannot, in any event, be held liable, for the timeliness, deletion, mis-delivery or failure to store any communication or personalization settings; nor do we assume responsibility for (i) the accuracy or reliability of any opinion, advice or statement made through the Site and (ii) making good all or any part of any loss and/or damage that may have been caused by your reliance on any information, advice, product or Service obtained from a linked site.


• We are not in a position to exercise control over the security or content of information passing over the Internet, and we hereby exclude all liability of any kind for the transmission or reception of infringing or unlawful information of whatever nature. We accept no liability for loss or damage suffered by you as a result of accessing Site content which might have been infected with viruses or malwares or which might have been maliciously corrupted. You will be solely responsible for any damage to your computer system or any other system used or loss of data that results from the download of any content. You are consciously acknowledging and accepting the usual and typical risks of using the Internet. Before taking any investment decision, you are advised to visit the website of the relevant mutual fund for any further information including, without limitation, their past performance.


• Not all Information contained on the Site may be suitable for you and your investment related decisions. The information may not also be tax-friendly to all users uniformly. It is your responsibility as a user to evaluate the completeness, accuracy or usefulness of any opinion, advice or other content made available on the Site, and you should consult your own counsel, business advisor and/or financial advisor and/or or legal advisor and/or stock broker and/or investment adviser and/or other professional advisors and/or consultants and/or tax advisor as to the legal, business, tax and related implications of investing in mutual fund units, to which the content may be related or with respect to which, investment advice may be sought or given.
  You are advised to read all scheme related documents such as Scheme Information Document, Key Information Memorandum and Statement of Additional Information, and in particular, all risk factors pertaining to the mutual fund scheme(s) concerned carefully before making any investment decision. If you are unsure about the meaning of any information provided you should consult your advisor including financial advisor and/or legal advisor and/or stock broker and/or investment adviser and/or other professional advisors and/or consultant and/or tax advisor. While making an investment decision, you must rely on your own examination of the issuer and offer, including the risks involved. It is to be distinctly understood that we do not take any responsibility, either for the financial soundness of any mutual fund scheme, or for the correctness of any statement made or opinion expressed in the data, or for any content furnished by us. Further, we do not guarantee any returns on investments made by you. Investments in mutual funds involves a great degree of risks and you should not invest in any mutual fund scheme, unless you can afford to take the risk of erosion of capital.
  We shall not be liable or responsible for any loss or damage that you may incur in the event of any failure or interruption of this Site, or resulting from the act or omission of any other party involved in making the Site or the data contained therein, or from any other cause relating to your access to, inability to access, or use of this Site or these materials, whether or not the circumstances giving rise to such cause may have been within our control or of any vendor providing software or services support. We expressly disclaim all warranties of any kind, whether express or implied. Specifically, we make no warranty that:
  • this Site or any of the Services will meet your requirements or be beneficial to you,
  • any user access will be uninterrupted, timely, secure or error-free,
  • the quality of any content or any of the Services, information or other material obtained by any user will meet your expectations, and
  • errors in the software, if any, will be corrected.


• We may change the format and content of the Site at our sole discretion at any time without prior notice. You should refresh your browser each time you visit the Site so that you may access the most up-to-date version of the Site and any information appearing on it.


• We shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, losses of whatsoever in nature, costs or consequences including but not limited to damages for loss of profits, goodwill, opportunity, use, data or other intangible, consequential or special losses, whatsoever and howsoever arising out of or resulting from your use or inability to use the Site.


• Nothing herein shall be deemed to create any agency, partnership, joint-venture, employee-employer or franchisor-franchisee or any other mutual relationship of any kind between us and any user or other person or entity; nor can the Terms be assigned or rights extended to any third party.


• By accessing or using the Site, you represent and warrant that your activities are lawful in every jurisdiction wherever you access or use the Site.


• We do not warrant that access to or use of the Site or of any sites or pages linked to it will be uninterrupted or error free at all times. The content to which links may be made available on the Site have not been developed, checked for accuracy, or otherwise reviewed by us, and we make no representations whatsoever about any such web site which you may access through the Site. A link to a web site does not mean that we endorse or accept any responsibility for the content or the use of such website.
  We do not assume any responsibility or liability for any content viewed by you through a link which may be provided in the Site. We shall not be liable for any loss or damage caused by any delay, inaccuracy, error or omissions in the content of any link, whether actual, alleged, consequential or punitive. We shall not be liable for any content displayed on the linked website, or furnished or provided to it by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of such content. It is your responsibility as a user to take precautions to ensure that whatever is selected for use is free of such items as viruses and other items of a destructive nature.


• If you have any enquiry or complaint about the Site, please address it to info@top3choice.com.


• The Terms and the interpretation thereof will be governed by and construed in accordance with the substantive laws of India.


• Any dispute, differences, disagreement or controversy of whatever nature and howsoever arising; under, or out of, or in relation to, or connected with these terms or the Private Policies appended hereinafter or the Services or anything connected with the Services, between you and/or any user and/or us (hereinafter collectively or separately referred to as 'Dispute") shall, at the first instance be attempted to be resolved by the parties amicably.
  Provided that, with regard to any Dispute which is not resolved amicably between the parties within a period of 30 days, the Civil Court situated at Mumbai, in India, shall have exclusive jurisdiction, in exclusion of all other jurisdictions. You do hereby specifically give your consent to be subject to the exclusive jurisdiction of the Civil Court at Mumbai.