Terms of Use

Unless the context otherwise requires:

• "AMC" — means an Asset Management Company registered with SEBI and managing one or more mutual fund schemes.
• "AMFI" — means the Association of Mutual Funds in India.
• "Applicable Law" — means all applicable laws, statutes, rules, regulations, circulars, directions, master circulars, notifications, guidelines, codes, orders and requirements issued by competent governmental, statutory or regulatory authorities, including SEBI, AMFI, RBI, FIU-IND, the Income Tax Department and other relevant authorities, as applicable to the Services.
• "ARN" — means the AMFI Registration Number allotted to a Mutual Fund Distributor.
• "Account" — means the account/profile created by or for the User on the Platform for accessing the Services and facilitating mutual fund transactions.
• "KYC" — means the Know Your Customer requirements prescribed under Applicable Law and applicable regulatory directions.
• "Mutual Fund" — means a mutual fund registered with SEBI and includes the mutual fund schemes made available through the Platform.
• "NAV" — means Net Asset Value of a mutual fund scheme/unit, as determined by the concerned AMC in accordance with Applicable Law.
• "RTA" — means the Registrar and Transfer Agent appointed by the concerned AMC/mutual fund.
• "Scheme Related Documents" — means, as applicable, the Scheme Information Document ("SID"), Statement of Additional Information ("SAI"), Key Information Memorandum ("KIM"), addenda, factsheets, notices, risk disclosures and other documents issued in relation to a mutual fund scheme.
• "Services" — means the digital services made available by JSS through INVESSTUM, including, where enabled, mutual fund discovery, account opening, KYC facilitation, purchase, additional purchase, redemption, switch, SIP, STP, SWP, nomination, bank mandate, transaction tracking, statements and other investor servicing facilities.
• "User" — means any person accessing or using the Platform, whether registered or unregistered, including a Registered User.
• "Registered User" — means a User who has successfully completed the registration, onboarding and verification requirements prescribed by JSS and/or the relevant AMC, RTA, KYC Registration Agency or other authorised intermediary.

• INVESSTUM is a digital platform operated by JSS for facilitating distribution and servicing of mutual fund investments.
• JSS is an AMFI-registered Mutual Fund Distributor and shall provide its Services in accordance with its ARN, the AMFI Code of Conduct, applicable AMFI circulars, SEBI requirements and other Applicable Law.
• JSS is not, merely by virtue of being a Mutual Fund Distributor, a SEBI-registered Investment Adviser. Nothing contained on the Platform shall be construed as constituting investment advisory, portfolio management, research analyst or any other regulated service unless JSS is separately authorised and expressly identifies such service as being provided under the applicable regulatory framework.
• The Platform may provide information regarding mutual fund schemes, their features, historical performance, risk factors and other publicly available information. Such information is intended to facilitate access and understanding and should not be construed as a guarantee of returns or as a representation that any investment is suitable for you.
• Mutual fund investments are subject to market risks and there can be no assurance that the investment objective of any scheme will be achieved.
• The availability of any mutual fund scheme or facility on INVESSTUM does not constitute an endorsement or guarantee by JSS regarding the performance of that scheme.

• By accessing or using INVESSTUM, you agree to comply with these Terms, the Privacy Policy and all Applicable Law.
• These Terms shall apply to all Users, including persons accessing the Platform without registration.
• JSS may amend, modify, supplement or replace these Terms from time to time. The updated Terms shall be made available on the Platform.
• Your continued use of INVESSTUM after any amendment shall constitute your acceptance of the amended Terms.

The Services may be used only by persons who are legally competent to enter into binding contracts under Applicable Law. You represent that:

• you are legally competent to enter into these Terms
• all information provided by you is true, accurate, complete and current
• you shall promptly update any information that becomes inaccurate or incomplete
• you shall comply with KYC, AML, FATCA, CRS, tax and other regulatory requirements applicable to you
• you shall not use the Platform for any unlawful or prohibited purpose

JSS may restrict or refuse access to the Services where required by Applicable Law or where the User fails to satisfy applicable eligibility, KYC, regulatory or operational requirements.

Certain Services may require the User to create an Account. The User may be required to provide information including:

• name
• PAN
• date of birth
• mobile number
• email address
• residential/correspondence address
• bank account details
• nominee details
• tax residency information
• FATCA/CRS information
• occupation and income-related information, where applicable
• KYC documents
• identity/address documents
• such other information as may be required under Applicable Law

JSS may verify the information provided by the User through KYC Registration Agencies, AMCs, RTAs, banks, payment service providers, authorised service providers or other legally permitted sources. Registration shall be subject to successful verification and acceptance of the applicable onboarding requirements. JSS may reject, suspend or require additional documentation where information is incomplete, inconsistent, inaccurate or otherwise unsatisfactory.

• The User shall comply with all applicable KYC, AML, FATCA, CRS, tax and other regulatory requirements.
• The User authorises JSS, to the extent permitted under Applicable Law, to obtain, verify, process and share information necessary for completing KYC and regulatory requirements with relevant AMCs, RTAs, KYC Registration Agencies, regulators, statutory authorities and authorised service providers.
• JSS may require re-KYC, periodic updation, additional verification, documentary evidence or other information whenever required by Applicable Law or the relevant intermediary.
• Failure to provide required information may result in rejection, suspension or restriction of transactions or Services.

• You authorise JSS to collect and process information necessary to provide the Services in accordance with the Privacy Policy and Applicable Law.
• You authorise JSS, where necessary for providing the Services, to transmit your transaction instructions and relevant information to the concerned AMC, RTA, KYC Registration Agency, payment service provider, transaction platform or other authorised intermediary.
• Such sharing shall be limited to the purposes for which the information is required and shall be subject to Applicable Law and JSS's Privacy Policy.
• JSS shall not use or share investor information for purposes prohibited under Applicable Law, including unauthorised cross-marketing or sharing of investor information with unrelated/group entities in circumstances prohibited by SEBI/AMFI requirements.

• The User shall maintain the confidentiality of login credentials, passwords, PINs, OTPs and other authentication credentials.
• The User shall immediately notify JSS if the User suspects unauthorised access or use of the Account.
• The User shall not share OTPs, passwords or authentication credentials with any person, including persons claiming to represent JSS.
• JSS shall not be responsible for transactions carried out using valid authentication credentials where the unauthorised use results from the User's negligence, subject to Applicable Law.

Subject to availability of the relevant facility, Users may initiate:

• purchase of mutual fund units
• additional purchase
• redemption
• switch
• SIP
• STP
• SWP
• nomination-related requests
• bank mandate-related requests
• other permitted investor service requests

• All transactions shall be subject to the rules, terms, conditions, cut-off timings, applicable NAV provisions, documentation and processing procedures of the relevant AMC, mutual fund, RTA and transaction platform.
• JSS may facilitate transmission of transaction instructions but does not itself determine whether a mutual fund transaction is accepted, rejected, allotted, processed or cancelled.
• The User authorises JSS to transmit transaction instructions submitted through the Platform to the relevant authorised intermediary for processing.
• Once a transaction instruction has been submitted, cancellation or modification may not be possible and shall be subject to the rules of the relevant AMC/RTA and the stage of processing.

• Purchase requests shall be processed subject to receipt of valid instructions, availability of funds, successful verification and applicable regulatory and operational requirements.
• The concerned AMC shall determine allotment of units and applicable NAV in accordance with Applicable Law.
• JSS shall not be responsible for rejection or delay caused by the AMC, RTA, payment system, bank, transaction platform, regulatory restrictions, incorrect information or circumstances beyond JSS's reasonable control.

• Redemption and switch requests shall be subject to the applicable scheme provisions, cut-off timings, applicable NAV, exit load, statutory deductions and other applicable charges.
• The actual amount payable upon redemption may differ from the amount displayed on the Platform due to NAV movement, applicable loads, taxes, statutory deductions or other applicable charges.
• Redemption proceeds shall generally be credited in accordance with the payment process prescribed by the relevant AMC/RTA.

• SIP, STP and SWP facilities shall be subject to the terms and conditions prescribed by the relevant mutual fund/AMC and the payment/mandate mechanism used for the transaction.
• The User shall ensure that sufficient funds are available and that the applicable payment mandate remains valid.
• JSS shall not be responsible for failed systematic transactions resulting from insufficient funds, expired/invalid mandates, bank failure, payment failure, incorrect account details or other circumstances outside JSS's reasonable control.
• The User acknowledges that systematic transactions do not guarantee returns, profits or protection against market losses.

• The applicable NAV shall be determined in accordance with Applicable Law and the rules of the relevant mutual fund scheme.
• Transaction cut-off timings may vary depending upon the type of transaction, scheme, payment mechanism and applicable regulatory requirements.
• Displayed NAVs, indicative values or transaction values on INVESSTUM may not represent the final NAV applicable to the transaction.
• The User shall not rely upon any displayed or indicative NAV as a guarantee of the final transaction value.

• Before making any investment, the User should carefully read the relevant Scheme Related Documents.
• The User acknowledges that mutual fund investments are subject to market risks and that past performance does not guarantee future performance.
• Different schemes have different investment objectives, asset allocations, risk profiles, liquidity provisions, exit loads and other features.
• The User is solely responsible for reviewing the Scheme Related Documents and making an investment decision based on the User's own assessment and circumstances.

JSS does not guarantee:

• any return
• capital protection
• achievement of the scheme's investment objective
• future NAV
• acceptance of any transaction
• allotment of units
• redemption value

• Where the Platform facilitates transactions under Regular Plans, the User acknowledges that the relevant mutual fund may pay distribution commission to JSS in accordance with Applicable Law and the arrangements between JSS and the concerned AMC.
• A Direct Plan is a plan where no distributor is involved and distributor commission is not payable.
• The User should carefully understand the distinction between Regular Plans and Direct Plans before investing.
• Nothing in these Terms shall be interpreted as preventing an investor from choosing a Direct Plan through a channel/platform where such Direct Plan is independently available.

• JSS may receive commission from AMCs for distribution of mutual fund schemes under Regular Plans, subject to Applicable Law and applicable arrangements with AMCs.
• Commission may vary depending upon the mutual fund scheme, AMC, applicable regulatory framework and other factors.
• The receipt of commission shall not constitute a guarantee of performance of the relevant mutual fund scheme.
• JSS shall maintain appropriate disclosures and comply with applicable requirements relating to conflicts of interest, mis-selling, investor protection and fair dealing.
• JSS shall not represent or imply that a mutual fund scheme is guaranteed, risk-free or assured merely because it is available through INVESSTUM.

• The Services may be subject to fees, transaction charges or other charges where permitted under Applicable Law and disclosed to the User.
• Any applicable transaction charge shall be levied only in accordance with the prevailing regulatory framework and applicable disclosure requirements.
• The User shall also be responsible for charges imposed by the relevant AMC, bank, payment gateway, RTA or other service provider, including applicable exit loads, statutory levies and taxes.
• Details of applicable charges, where relevant, shall be disclosed through the Platform or applicable transaction documentation.

• Payments may be facilitated through payment gateways, banking channels, UPI, NEFT, net banking or such other permitted mechanisms as may be made available.
• The User shall use only payment methods and bank accounts permitted under Applicable Law and the relevant mutual fund's requirements.
• JSS may refuse or block a payment where it identifies a regulatory, compliance, fraud, AML or operational concern.
• JSS shall not be responsible for delays or failures attributable to banks, payment gateways, payment systems, technical failures or circumstances beyond its reasonable control.

• The Platform may contain or rely upon services provided by third parties, including AMCs, RTAs, payment gateways, banks, KYC agencies, technology service providers and transaction platforms.
• Such third-party services may be subject to separate terms and privacy policies.
• JSS shall not be responsible for matters exclusively attributable to third-party service providers, subject to Applicable Law.
• The User shall comply with the applicable terms of third-party service providers.

• The AMC/RTA may issue account statements, transaction confirmations, CAS, notices and other statutory communications directly to the User.
• JSS may also provide transaction information, statements, notifications and service communications through the Platform.
• In case of any discrepancy between information displayed on INVESSTUM and the official records of the relevant AMC/RTA, the User should promptly raise the discrepancy with JSS and/or the concerned AMC/RTA.
• The User shall keep contact details updated to ensure receipt of important communications.

• Any notice or communication from JSS may be sent through email, SMS, application notification, telephone, physical communication or any other permitted electronic means.
• The User shall notify JSS and, where appropriate, the concerned AMC/RTA of any material discrepancy or unauthorised transaction as soon as reasonably practicable.
• The User shall retain transaction confirmations and other relevant records for future reference.

JSS shall endeavour to conduct its distribution activities in accordance with the AMFI Code of Conduct and applicable SEBI/AMFI requirements. JSS shall not knowingly:

• make misleading or false representations regarding mutual fund schemes
• guarantee or assure returns where no such guarantee exists
• suppress material information relating to the scheme
• make unauthorised representations on behalf of an AMC
• misrepresent historical performance as future performance
• engage in any activity prohibited under Applicable Law

Users should independently verify information contained in promotional communications against the relevant Scheme Related Documents.

• Where applicable, transactions facilitated through an employee or salesperson of JSS shall comply with the applicable requirements relating to Employee Unique Identification Number ("EUIN") and other distributor identification requirements.
• The User may be required to provide relevant declarations, confirmations or consents required under Applicable Law.
• No employee, representative or agent of JSS is authorised to guarantee returns or induce investment through false or misleading representations.

• Any advertisements, communications, educational material, scheme information or promotional content made available by JSS shall be subject to Applicable Law and applicable SEBI/AMFI requirements.
• Historical returns, illustrations, rankings, ratings or performance information shall not be construed as a guarantee of future returns.
• The User should refer to the latest official Scheme Related Documents and disclosures before making an investment.

The User agrees:

• to provide accurate and complete information
• to maintain updated KYC and contact information
• to review transaction details before submission
• to maintain adequate funds for transactions
• to protect login credentials and OTPs
• not to share authentication credentials
• not to use the Platform for unlawful purposes
• not to impersonate another person
• not to manipulate or interfere with the Platform
• not to upload malicious code
• not to reverse engineer or copy the Platform
• to comply with Applicable Law
• to independently evaluate investment risks before investing

The User shall not:

• use INVESSTUM for fraudulent or unlawful activities
• attempt to gain unauthorised access
• interfere with the Platform's security
• upload viruses, malware or malicious code
• scrape or systematically copy Platform content without permission
• misuse another person's Account
• submit false or misleading information
• undertake transactions on behalf of another person without lawful authority
• use the Platform in any manner prohibited by Applicable Law

• All intellectual property rights in the Platform, including its design, software, trademarks, logos, text, graphics, interfaces and content, shall belong to JSS or its respective licensors, unless otherwise stated.
• The User is granted a limited, non-exclusive, non-transferable and revocable right to access and use the Platform for lawful personal purposes.
• The User shall not reproduce, modify, distribute, sell, license, reverse engineer or commercially exploit any part of the Platform without prior written permission.

JSS respects the intellectual property rights of third parties and expects Users to do the same. If any person believes that content made available through the Platform infringes their copyright, trademark or other intellectual property rights, such person may submit a written infringement notice to JSS at grievance@invesstum.com. The notice should, to the extent applicable, contain:

• identification of the copyrighted work, trademark or other intellectual property claimed to have been infringed
• identification and location/URL of the allegedly infringing content
• details sufficient to establish the claimant's ownership or authority to act on behalf of the rights holder
• a statement that the claimant has a good-faith belief that the use is unauthorised
• contact details of the claimant
• a declaration that the information provided is accurate and that the claimant is authorised to make the complaint

• Upon receipt of a sufficiently detailed complaint, JSS may review the complaint and, where appropriate, restrict access to, disable or remove the allegedly infringing content pending investigation or resolution.
• JSS may request additional information or documents from the complainant or User concerned.
• Where appropriate, JSS may restore content where it determines that the complaint is unfounded or that the use is otherwise authorised.
• Nothing in this clause limits any statutory remedy available to the rights holder under Applicable Law.

• The collection, use, storage and disclosure of personal information shall be governed by the INVESSTUM Privacy Policy.
• JSS may process personal information for account opening, KYC, transaction processing, investor servicing, regulatory compliance, fraud prevention, security and other legitimate purposes.
• Information may be shared with AMCs, RTAs, KYC agencies, banks, payment service providers, technology service providers, regulators and other authorised entities where necessary and legally permitted.
• JSS shall comply with applicable data protection and privacy requirements, including requirements applicable to mutual fund distributors and digital platforms.

INVESSTUM may use cookies, session tokens, SDKs, pixels, device identifiers, log files and similar technologies ("Tracking Technologies") to operate, secure and improve the Platform. Such technologies may include:

• Essential/Security Cookies: used for authentication, session management, fraud prevention, security and maintaining the integrity of the Platform
• Session Tokens: used to maintain an authenticated User session and enable secure access to the User's Account
• Functional Technologies: used to remember preferences and improve Platform functionality
• Analytics Technologies: used to understand Platform usage, performance, navigation patterns and technical issues and to improve the Services

• Certain Tracking Technologies may be placed or operated by authorised third-party technology or analytics service providers engaged by JSS.
• Essential security and session technologies may be necessary for the functioning and security of the Platform and may not be capable of being disabled without affecting certain Services.
• Where required under Applicable Law, JSS shall obtain appropriate consent before using non-essential Tracking Technologies.
• Users may be able to control certain cookies through their browser or device settings. Disabling certain technologies may affect the functionality, security or availability of portions of the Platform.
• JSS may use aggregated, anonymised or de-identified analytics information for statistical, operational, security and service-improvement purposes, subject to Applicable Law and the Privacy Policy.

• JSS shall implement reasonable security measures appropriate to the nature of the information processed and the Services provided.
• No internet-based platform can guarantee absolute security.
• Users acknowledge the inherent risks associated with electronic communications, internet connectivity, malware, phishing and other cyber threats.
• Users should immediately report suspected unauthorised access, phishing or fraudulent communications claiming to originate from JSS.

• JSS shall retain User information, transaction records, KYC records, communications, audit trails and other records for such period as may be required under Applicable Law, including applicable SEBI, AMFI, Prevention of Money Laundering Act, 2002 ("PMLA"), rules, regulations and directions.
• Closure, deactivation or termination of the User's Account shall not result in immediate deletion of all information relating to the User where retention is required for regulatory, statutory, legal, tax, audit, fraud prevention, dispute resolution or other legitimate purposes.
• Depending upon the nature of the record and the applicable legal requirement, JSS may retain relevant information for a period of five (5) to eight (8) years or such longer period as may be prescribed under Applicable Law, calculated from the relevant transaction, termination of the relationship, closure of the Account or such other event as may be prescribed.
• Upon expiry of the applicable retention period, JSS shall securely delete, destroy or anonymise such information, unless continued retention is required or permitted under Applicable Law.
• Where data is retained solely to comply with a statutory or regulatory obligation, JSS shall restrict its use to the purpose for which such retention is required, subject to Applicable Law.

• The Platform may contain links to third-party websites or services.
• Such links are provided for convenience and do not constitute an endorsement by JSS.
• JSS shall not be responsible for the content, availability, security or privacy practices of third-party websites, except to the extent required under Applicable Law.

JSS shall endeavour to keep the Platform available but does not guarantee uninterrupted or error-free access. The Platform may be temporarily unavailable due to:

• maintenance
• system upgrades
• technical failures
• telecommunications failures
• cyber incidents
• banking/payment failures
• AMC/RTA/transaction-platform outages
• regulatory requirements
• other circumstances beyond JSS's reasonable control

JSS shall not be liable for delay or failure in performance caused by circumstances beyond its reasonable control, including natural disasters, fire, flood, war, civil disturbance, strikes, governmental action, regulatory restrictions, cyber-attacks, system failures, telecommunications failures, power failures, banking/payment failures, failures of AMCs/RTAs or other authorised intermediaries and other similar events.

The Platform and Services are provided on an "as available" basis, subject to Applicable Law. JSS does not warrant that:

• the Platform will always be available
• the information displayed will always be complete or error-free
• every transaction will be successfully processed
• any mutual fund investment will generate a particular return
• any investment objective will be achieved

Nothing in these Terms excludes any liability which cannot lawfully be excluded under Applicable Law.

To the extent permitted by Applicable Law, JSS shall not be liable for indirect, incidental, consequential or special losses arising from:

• market movements
• changes in NAV
• rejection of transactions by an AMC/RTA
• banking/payment failures
• incorrect information provided by the User
• failure to maintain sufficient funds
• unauthorised disclosure of credentials by the User
• third-party system failures
• Force Majeure Events

Nothing contained herein shall limit liability arising from fraud, wilful misconduct or any liability which cannot lawfully be limited or excluded.

The User agrees to indemnify and hold harmless JSS, its directors, officers, employees, representatives and service providers from claims, losses, liabilities, costs and expenses arising from:

• breach of these Terms
• violation of Applicable Law
• fraudulent or unauthorised use of the Account
• inaccurate information supplied by the User
• misuse of the Platform
• infringement of third-party rights by the User

This provision shall apply to the extent permitted by Applicable Law.

JSS may suspend or terminate access to the Platform where:

• the User breaches these Terms
• information provided is false or misleading
• KYC requirements are not satisfied
• the User engages in fraudulent or suspicious activity
• required by Applicable Law or regulatory direction
• continued access may adversely affect the security or integrity of the Platform

• JSS may discontinue any feature or Service subject to Applicable Law and applicable contractual/regulatory requirements.
• Termination of access to the Platform shall not automatically terminate investments already held by the User with any AMC.
• The User's rights and obligations relating to existing mutual fund investments shall continue to be governed by the applicable AMC/scheme documentation.

• The User shall not assign, transfer, novate or otherwise dispose of any rights or obligations under these Terms without the prior written consent of JSS.
• JSS may assign, transfer, novate or otherwise delegate its rights and/or obligations under these Terms, in whole or in part, without requiring separate consent from the User, in connection with or pursuant to any merger, amalgamation, demerger, acquisition, sale of business, corporate restructuring, reorganisation, transfer of undertaking or substantially similar transaction.
• JSS may also transfer or delegate the operation of the Platform or any part of the Services to an affiliate, successor entity or service provider, subject to Applicable Law and applicable regulatory requirements.
• Any such assignment, transfer or restructuring shall not adversely affect any rights of the User in respect of investments already made with the relevant AMC, subject to the terms of the applicable mutual fund scheme and Applicable Law.
• Nothing in this clause shall permit JSS to transfer or disclose personal information except in accordance with Applicable Law and the Privacy Policy.

• JSS shall conduct its mutual fund distribution activities in accordance with Applicable Law, including applicable SEBI requirements, AMFI requirements and the AMFI Code of Conduct applicable to Mutual Fund Distributors.
• The User acknowledges that the regulatory framework applicable to mutual fund distribution may change from time to time.
• JSS may modify its processes, Services, disclosures and Platform functionality to comply with such changes.
• Where any provision of these Terms conflicts with a mandatory requirement of Applicable Law, the mandatory regulatory requirement shall prevail to the extent of such conflict.

Users may initially raise their complaint or grievance with JSS through:

Grievance Contact

Email: grievance@invesstum.com · Telephone: 9561401555

• JSS shall endeavour to address grievances within the timelines prescribed under Applicable Law.
• Where the grievance relates to an AMC, RTA or transaction-specific matter, the User may also approach the relevant AMC/RTA.
• Where a grievance remains unresolved, the User may avail the regulatory grievance mechanisms available under Applicable Law, including SEBI's SCORES platform, where applicable.
• Nothing in these Terms restricts any statutory right of an investor to approach the appropriate regulatory or legal forum.

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS. READ ALL SCHEME RELATED DOCUMENTS CAREFULLY BEFORE INVESTING.

Past performance does not guarantee future performance. The NAV of mutual fund schemes may go up or down depending on market conditions. There is no assurance or guarantee of returns unless expressly provided under Applicable Law and the relevant scheme documentation.

• These Terms shall be governed by and construed in accordance with the laws of India.
• Subject to applicable statutory and regulatory grievance mechanisms, courts at Kolkata shall have jurisdiction in relation to disputes arising out of these Terms.
• Nothing in this clause shall prevent an investor from exercising any statutory remedy available under Applicable Law.

• The parties shall endeavour to resolve disputes amicably through good-faith discussions.
• Nothing in these Terms shall restrict the User's right to approach an AMC, RTA, AMFI, SEBI or any other competent regulatory/statutory authority where such remedy is available.
• Any dispute which is not subject to a mandatory statutory or regulatory mechanism may be referred to the competent courts in accordance with Clause 44.

No failure, delay or omission by JSS in exercising or enforcing any right, power, remedy or provision under these Terms shall constitute or be deemed to constitute a waiver of that right, power, remedy or provision. Any waiver shall be effective only if expressly made in writing by an authorised representative of JSS. A waiver in respect of any particular breach or circumstance shall not constitute a waiver of any subsequent breach or circumstance.

If any provision of these Terms is held invalid, unlawful or unenforceable, such provision shall be modified or severed to the minimum extent necessary and the remaining provisions shall continue in full force and effect.

These Terms, together with the Privacy Policy and any other policies, disclosures or terms expressly incorporated herein, constitute the entire agreement between JSS and the User in relation to the use of INVESSTUM.

JSS may amend these Terms from time to time to reflect:

• changes in Applicable Law
• SEBI or AMFI requirements
• changes in the Services
• technology changes
• changes in transaction processes
• operational or business requirements

The revised Terms shall be published on the Platform with an updated "Last Updated" date.

For queries relating to INVESSTUM or the Services:

JSS Capital Market Private Limited

Platform: INVESSTUM · ARN: 156456 · Registered Office: 22 Hemanta Basu Sarani, Kolkata, PIN 700001, 6th Floor, Room No. 6E · Customer Support: support@invesstum.com, 9073055955 · Grievance Email: grievance@invesstum.com · Telephone: 9561401555 · Website: www.invesstum.com

By registering on, accessing or using INVESSTUM, the User confirms that:

• the User has read and understood these Terms
• the User agrees to comply with these Terms
• the User has provided accurate and complete information
• the User understands that mutual fund investments are subject to market risks
• the User understands the distinction between Regular Plans and Direct Plans
• the User understands that JSS may receive distribution commission in respect of eligible Regular Plan investments
• the User understands that past performance is not indicative of future performance
• the User has reviewed or shall review the relevant Scheme Related Documents before investing
• the User understands that JSS does not guarantee returns, NAV, allotment or redemption proceeds

IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT ACCESS OR USE INVESSTUM.