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Terms of Use of BuySellMF Website and Its Services

Date of last revision: Feb 04, 2017

This Agreement sets forth the terms and conditions that apply to the access and use of the Website www.BuySellMF.com and Mobile Application including but not limited to (hereinafter referred to as "Mobile App"), which is owned and operated by Prajna FinServ Pvt Ltd, (hereinafter referred to as " Prajna FinServ / BuySellMF /Company"), a company incorporated under the laws of India and registered under the Companies Act, 1956.

In terms of Information Technology Act, 2000, this document is an electronic record. Being generated by a computer system it does not require any physical or digital signatures.

This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and Terms of Use for access or usage of www.BuySellMF.com

This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and Terms of Use for access or usage of www.BuySellMF.com

By accessing the Website/Mobile App or registering an account on the Website and Mobile App, the users (hereinafter referred to as "you", or "your") agree to be bound by the terms and conditions of these Terms of Use, the Legal Disclaimer and the Privacy Policy, as posted elsewhere on the Website.

You will be subject to the rules, guidelines, policies, terms, and conditions applicable to any service that is provided by this Website/Mobile App, and they shall be deemed to be incorporated into this Terms of Use and shall be considered as part and parcel of this Terms of Use.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. YOUR ACCEPTANCE OF TERMS CONTAINED HEREIN CONSTITUTES THE AGREEMENT BETWEEN YOU AND PRAJNA FINSERV / BUYSELLMF FOR THE PURPOSE AS DEFINDED HEREUNDER.

KEY TERMS AND CONDITIONS

"Account Aggregator Service " means a consolidated view of your Bank Balances, DEMAT Balances, Credit Cards, Mutual Fund and Equity Portfolio Holdings and tracking transactions across all your Linked Accounts (defined later).

1. You hereby appoint Prajna FinServ / BuySellMF/its Third Party Service Providers as an agent with a limited power of attorney to access third party sites (e.g. Bank websites/Depository Participants websites) to retrieve your information, and use such information in connection with the Account Aggregator Services.

2. Our Server stores the user name and password for each of your Linked Accounts. However, Prajna FinServ / BuySellMF and its Third Party Service Providers respect your privacy and shall use the information provided by you solely for the purpose of providing Account Aggregator Services.

3. Data and information under Account Aggregator Service is provided for informational purposes only, and is not intended for trading or transactional purposes. In case you wish to trade or perform any transactions, you will be directed to the respective third party websites, in which case you will be abiding by the terms and conditions of the respective third party websites.

INTRODUCTION

The Terms of Use ( "Agreement ") sets forth the terms and conditions ( "Terms ") that will apply to your access and use of the website located at www.BuySellMF.com ( "Website") and Mobile App, which is owned and operated by Prajna FinServ Pvt Ltd ( " Prajna FinServ " “BuySellMF” or "Company "), a company incorporated under laws of India and registered under the Companies Act, 1956. By registering for the Services (as defined later), you agree to be bound by the Terms of this Agreement and the Legal Disclaimer and Privacy Policy available at the Website/ Mobile App and as may amended from time to time.

Prajna FinServ / BuySellMF reserves the right to make changes to Terms at any time. Your continued use of the Website/ Mobile App and/or Services shall mean your deemed acceptance of the modified Terms.

Prajna FinServ / BuySellMF, through its third party services provider(s), hereby offers you an option to link your financial accounts (hereinafter referred to as "Linked Accounts "), which would enable you to have a consolidated view of the balances lying in your Linked Accounts and tracking transactions across all your Linked Accounts. The Website/Mobile App also enables you to undertake online payments of your bills ("Bill Payment Services ") through its third party services provider(s). Prajna FinServ / BuySellMF may power third party products including but not limited to Trading cum DEMAT Account Opening facility and Instant Personal Loan (In tie up with various financial intermediaries). Further the above said services are powered through UIDAI (using its Aadhaar based authentication services) and eSign facility licensed through eMudra Limited.To facilitate opening of Equity Accounts Online/ Personal Loan, interested investors/customers would be provided with a facility of Instant Bank account verification and an option would be given to the Customer to aggregate their bank accounts using their bank user id and password via online secured process of Prajna FinServ / BuySellMF. The above said services are provided on a best-effort basis and participation for availing the above mentioned services by you is purely at your will and consent. Prajna FinServ / BuySellMF may also offer other additional services on certain specific Terms, from time to time, which can be activated by you at your will and consent (“Additional Service(s)”).

Sensitive personal data or information "would mean and include but not limited to;

(i) user name, password for each of your linked account;

(ii) financial information such as Bank account or credit card or debit card or other payment instrument details ;

(iii) Linked account information, transaction data, Biometric information or as provided by applicable law /Notification/Circular/Act etc.;

(iv) any detail relating to the above clauses as provided to Prajna FinServ / BuySellMF for providing service; and

(v) any of the information received under above clauses by body Prajna FinServ / BuySellMF for processing, stored or processed under lawful contract or otherwise. provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information for the purposes of these rules. You hereby authorize and appoint Prajna FinServ / BuySellMF / its third party service provider as an agent with Limited power of attorney to access your sensitive personal data or Information as defined hereinabove for providing you Account Aggregator Service, Bill Payment Services, offer/deals/cash back/discounts/ curation services and any other Additional Service(s) and use of such other information, tools, alerts, articles, views, videos, information, advices, calculators, analysis, report, data, contents, news, prices, statistics, comments, feedback, advertisement, features and functionality and other services on the Website/Mobile App Services, are hereinafter jointly referred to as "the Services, " and individually as "Service ".

ACCEPTANCE OF TERMS

This Agreement describes the Terms governing the usage of the Services provided to you on the Website/Mobile App. Clicking "I Agree” to "Terms & Conditions" on the registration page, after you have read all the Terms of the Agreement, shall be considered as your acceptance of this Agreement. Your continued usage of the Services from time to time would also constitute acceptance of the Terms including any updation or modification thereof and you would be bound by this Agreement until this Agreement is terminated as per provisions defined herein.

Your electronic consent, accepting these Terms, represents that you have the capacity to be bound by it, or if you are acting on behalf of any person, that you have the authority to bind such person. If you choose not to accept these Terms, you will not be entitled to use the Services. However, Prajna FinServ / BuySellMF has the option to reject your registration to this Website/Mobile App without assigning any reasons whatsoever.

Prajna FinServ / BuySellMF reserves the right at its sole discretion to make changes to these Terms, for such reason as it deems fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the Services, company reorganisation, market practice or customer requirements. Upon any change, Prajna FinServ / BuySellMF will notify the updated Terms on the Website/Mobile App or other means. Your continued use of the Services constitutes acceptance of the changes and an agreement to be bound by Terms, as amended. If you do not agree to the changes, you may please discontinue your use of the Services.

You can review the most current version of the Terms at any time, by clicking the Terms & Conditions link on the login page of the Website/Mobile App.

You agree and authorise PRAJNA FINSERV / BUYSELLMF to share your information with its group companies and other third parties, in so far as required for joint marketing purposes/offering various services/report generations and/or to similar services to provide you with various value added service, to aid you in managing your finances. You agree to receive emails from PRAJNA FINSERV / BUYSELLMF or its third party vendors regarding the Services updates, information/promotional emails and/or product announcements. Please also read the Privacy Policy for more information and details. Please refer to our Privacy Policy

YOUR REGISTRATION

Upon successful registration to the Services and payment of Subscription Fee, if applicable, your Account would be activated. You agree and understand that you are solely responsible for maintaining the confidentiality of your password which, together with your Login ID, allows you to access the Service. That Login ID and password, together with any mobile number or other contact information you provide, form your "Registration Information".

By providing us with your email address and mobile number, you agree to receive all required notices and information electronically, to that email address or mobile number. It is your responsibility to update any changes to your email address and mobile number. Notices will be provided in HTML (or, if your system does not support HTML, in plain-text) in the text of the email or through a link to the appropriate page on the Website, accessible through any standard, commercially available internet browser. If you become aware of any unauthorized use of your Registration Information, you agree to notify Prajna FinServ / BuySellMF immediately at the customer service helpdesk, the details of which are available on the Website/Mobile App. Prajna FinServ / BuySellMF shall not be liable for any unauthorized use or access, unless it is proved that the unauthorized use or access occurred solely due to reasons directly attributable to Prajna FinServ / BuySellMF.

ACCURATE REGISTRATION INFORMATION

You shall provide true, accurate, current and complete information about yourself and the Linked Accounts and undertake to inform/update of any change in your Registration Information promptly and keep it up-to-date and accurate at all times, as it has a direct bearing on the provision of Services by Prajna FinServ / BuySellMF. You agree not to misrepresent your identity nor will you make an attempt to make an unlawful access to the website or use of the services.

The Account Aggregator Service also allows you to link the accounts of your family members who might have authorized you in this regard, in which case you shall be acting under proper authorization from your family members. Prajna FinServ / BuySellMF shall not be responsible for any claim or breach of privacy, unlawful access etc. by your family members/entity.

Any misrepresentation in providing the Registration Information or Linked Accounts shall render the Services void ab initio, but without any recourse on Prajna FinServ / BuySellMF. Prajna FinServ / BuySellMF shall not be held responsible for any reason whatsoever if the Registration Information is incorrect at any point in time. Failure to provide accurate and complete information during registration may prohibit the use of the Account Aggregator Service.

ALERTS/ONLINE INFORMATION

Prajna FinServ / BuySellMF may send automatic alerts and voluntary account-related alerts from time to time. Certain voluntary account alerts may be turned on by default, as part of the Services. You may customize, deactivate or reactivate these voluntary alerts based on your individual preferences and options available. PRAJNA FINSERV / BUYSELLMF may add new alerts (automatic/voluntary/compulsory) from time to time, or cease to provide certain alerts at any time, upon its sole discretion. Each alert has different options available and you may be asked to select from among these options on activation of your alerts service.

The alerts will be sent to you electronically on your email address and/or mobile number as per your most recent Registration Information available with Prajna FinServ / BuySellMF. You can also choose to have alerts sent to a mobile device that accepts text messages. Changes to your email address or mobile number will apply to all of your alerts. You hereby agree and consent to receive all transactional alerts at the mobile number provided, even if this mobile number is registered under DND/NCPR list under TRAI regulations. And for that purpose, you further authorize Prajna FinServ / BuySellMF to share/disclose the information to any third party service provider or any affiliates, group companies, their authorized agents or third party service providers.

However, sending of short messaging service (SMS) alerts are subject to TRAI regulations and also to your telecom service provider, as may be applicable from time to time. Prajna FinServ / BuySellMF cannot be held responsible for non-delivery or delay in delivery of SMS alerts to your mobile number.

You agree and understand that alerts are not encrypted. Alerts may include some of your personal and sensitive information. Depending on which alerts you select, information such as an account balance or the due date for your credit card payment may be included. Anyone with access to your email/mobile will be able to view the content of these alerts; therefore, you should take proper care to prevent any unauthorized access to the said alerts to protect your own interest.

While Prajna FinServ / BuySellMF would endeavor to provide alerts under the Services in a timely and accurate manner, you understand and agree that any such alerts may be delayed or prevented by a variety of factors. You agree that Prajna FinServ / BuySellMF shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party, on the reliance of an alert. Further, the delivery of alert messages are subject to compliance of any local laws or guidelines, as may be enforced from time to time and you agree to abide by such compliance requirement, as and when notified by governing authorities.

PRIVACY AND YOUR PERSONAL INFORMATION

The Registration Information and such other information provided by you to Prajna FinServ / BuySellMF under this Agreement shall at all times be governed by PRAJNA FINSERV / BUYSELLMF ’s data protection practices as per its Privacy Policy available on the Website here: https://www.BuySellMF.com//BSMFpages/Privacy-Policy.aspx. This Privacy Policy explains how PRAJNA FINSERV / BUYSELLMF treats your personal information when you access the Website/ Mobile App and use other ancillary Services. You agree and authorize Prajna FinServ / BuySellMF to share your information with its group companies, associate companies, third party service providers, so far as required for joint marketing purposes/offering various services/report generation and/or to similar services to provide you with various value-added services, however in no event your personal information would be shared with any third party solely for commercial purpose.

The Privacy Policy may be updated from time to time at Prajna FinServ / BuySellMF sole discretion and/or as per legal requirement. Changes will be effective upon posting of the revised Privacy Policy on the Website/Mobile App.

PRAJNA FINSERV / BUYSELLMF may transfer sensitive personal data or information to another Indian or overseas body corporate if it is necessary for the performance of Services, and you hereby consent to such data transfer.

THIRD PARTY SERVICE PROVIDERS

The Services on the Website/Mobile App are enabled through various third party service providers, including but not limited to the following:

i. BSE StartMF – A Mutual Fund transactional platform from BSE for buying & Selling in Mutual Funds

ii. IndiaIdeas.com Limited, a company incorporated under the Indian Companies Act, 1956, having its registered office at E-510, Crystal Plaza, New Link Road, Andheri (W), Mumbai-400 053., which will provide bill payment services through www.billdesk.com.

Prajna FinServ / BuySellMF reserves its right, in its sole discretion, to replace/appoint/re-appoint any or all third party service providers to ensure uninterrupted provision of Services.

THIRD PARTY LINKS/OFFERS

Certain parts of the Services could be supported by sponsored links from advertisers and display Prajna FinServ / BuySellMF offers ("Prajna FinServ / BuySellMF Offers”) that may be custom matched to you based on information stored in the Services, queries made through the Services, or any other information. You agree and understand that Prajna FinServ / BuySellMF will always disclose such information when a particular Prajna FinServ / BuySellMF Offer is sponsored.

In connection with Prajna FinServ / BuySellMF Offers, the Services may provide links to websites belonging to such advertisers and other third parties, which are beyond the control of Prajna FinServ / BuySellMF. Prajna FinServ / BuySellMF does not endorse, warrant or guarantee the products or services available through the Prajna FinServ / BuySellMF Offers (or any other third party products or services advertised on or linked from our site), whether or not sponsored, and Prajna FinServ / BuySellMF shall neither be construed as an agent or broker of such advertisers or third parties, nor otherwise be responsible for the activities or policies of their websites. The usage of such service, if any, shall be entirely on the basis of the terms and conditions between you and the service provider.

Prajna FinServ / BuySellMF does not guarantee that the loan, investment, plan or other service terms, rates or rewards offered by any particular advertiser or other third party on the Website/Mobile App, are actually the terms that may be offered to you, if you pursue the offer, or that they are the best terms or lowest rates available in the market.

ELIGIBILITY CRITERIA

You declare and confirm that you are a resident of India, above 18 (Eighteen) years of age, and have the capacity to contract as specified under the Indian Contract Act, 1872, while availing the Services offered herein via Prajna FinServ / BuySellMF Website/Mobile App.

ACCOUNT AGGREGATOR SERVICE - TERMS OF USE

The Account Aggregator Service allows you to retrieve and view your financial information which is available on different websites, of your Linked Accounts, all at one place. In that sense, the information would be aggregated for you. The Account Aggregator Service is enabled through software which performs the function of an aggregator, whereby you, as a user, would be permitted to view your financial information related to the Linked Accounts. You shall select and choose the facility of linking your account in your sole and absolute discretion. However, the selection of the financial information/account which you choose to aggregate shall depend/vary from time to time, as per the discretion of Prajna FinServ / BuySellMF /Software provider.

The software which is used for the availing of the Account Aggregator Services is third party software licensed by Prajna FinServ / BuySellMF. Prajna FinServ / BuySellMF therefore cannot and does not make any representations in respect of the software, its functionalities or its features. Prajna FinServ / BuySellMF understands that the software would permit you to retrieve and view your financial information, which is available at certain identified websites, all at one place. In that sense, the information would be aggregated for you. However, in the event of any inadequacy in the performance of the software, you should intimate the same to Prajna FinServ / BuySellMF, so that Prajna FinServ / BuySellMF can address the issues on your behalf with the software vendor.

Having chosen this facility to link accounts, you, with the aid of the software, would be in a position to retrieve your own information maintained online by third party financial institutions with which you have customer relationships, maintain accounts or engage in financial transactions ("Account Information”). Prajna FinServ / BuySellMF makes no effort to review the Account Information for any purpose, including but not limited to accuracy, legality or non-infringement.

WITH THE ACCOUNT AGGREGATOR SERVICE, YOU MAY VIEW, MAINTAIN AND MANAGE INFORMATION STORED AT VARIOUS WEBSITES. THE REGISTRATION ALLOWS YOU TO ACCESS WEBSITES OF BANKS AND FINANCIAL INSTITUTIONS WHEREIN YOU HOLD ACCOUNTS/MERCHANT ONLINE SITES BY SIGNING IN TO THE WEBSITE/MOBILE APP. You hereby authorize and permit PRAJNA FINSERV / BUYSELLMF /its Third Party Service Providers to use the information (such as account passwords and users names) submitted by you, to retrieve your Account Information for providing the Account Aggregator Services/other ancillary services and to configure the said services so that it is compatible with the third party sites, for which you submit your information.

For all purposes hereof, you hereby grant Prajna FinServ / BuySellMF /its Third Party Service Providers a limited power of attorney, and you hereby appoint Prajna FinServ / BuySellMF /its Third Party Service Providers as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party sites, retrieve information, and use your information, with the full power and authority to do and perform each and every act and thing, requisite and necessary to be done, in connection with the Account Aggregator Services, as fully to all intents and purposes as you might or could do in person.

YOU ACKNOWLEDGE AND AGREE THAT WHEN PRAJNA FINSERV / BUYSELLMF OR ITS THIRD PARTY SERVICE PROVIDERS ARE ACCESSING AND RETRIEVING INFORMATION FROM THIRD PARTY SITES, PRAJNA FINSERV / BUYSELLMF OR ITS SERVICE PROVIDERS ARE ACTING AS YOUR AGENT AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY.

You agree that Third Party Service Providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. However, you agree and understand that the amount of time taken for aggregating the information which is sought cannot be guaranteed, and the aggregator service may take time to gather the information; therefore, your patience is requested and will be required, while the information is being aggregated.

You also understand that there could be a possibility that the bank/financial institution/third party website prevents Prajna FinServ / BuySellMF or its Third Party Service Providers from aggregating the Account Information. In such an event, the Third Party Service Providers would not be able to collect and provide you with the desired information. PRAJNA FINSERV / BUYSELLMF shall not be held responsible in any manner whatsoever, for any such inability to access the desired Account Information.

THE ACCOUNT AGGREGATOR SERVICE OFFERS CONVENIENCE BY SAVING THE USERS FROM HAVING TO SIGN INTO EACH OF THESE ACCOUNTS BY ACCESSING THE WEBSITES SEPARATELY. OUR SERVER SECURELY STORES THE USER NAME AND PASSWORD OF EACH OF THESE BANK ACCOUNTS/OTHER ACCOUNTS ETC.

HOWEVER, PRAJNA FINSERV / BUYSELLMF AND ITS THIRD PARTY SERVICE PROVIDERS RESPECT YOUR PRIVACY AND USE THE INFORMATION PROVIDED BY YOU, SOLELY FOR THE PURPOSE OF PROVIDING ACCOUNT AGGREGATOR SERVICES AND OTHER ANCILLARY SERVICES. Prajna FinServ / BuySellMF, HOWEVER, DOES NOT STORE THE USER NAME AND PASSWORD OF EACH OF THESE BANK ACCOUNTS/OTHER ACCOUNTS ETC.

WE RESPECT YOUR PRIVACY AND DO NOT INTEND TO STORE ANY OF THE PASSWORDS OF BANKS OR OTHER ACCOUNTS THAT YOU WOULD PROVIDE TO US. THE ACCESS INFORMATION/LOGIN DETAILS ARE STORED ON THE SERVERS OF RESPECTIVE WEBSITES OF BANKS/MERCHANTS ETC., AS THE CASE MAY BE. BY SIGNING INTO BUYSELLMF - ACCOUNT AGGREGATOR SERVICE, THE ACCOUNTS LINKED THEREIN BY THE USER ARE AUTOMATICALLY SIGNED INTO.

You further represent that you are the legal owners or you are authorized for operation, of your Linked Accounts at third party websites and that you have the authority to (i) designate us and/or Third Party Service Provider(s) as your agent(s), (ii) use the Website and (iii) provide your passwords, usernames, and all other information relevant to provide you with the Account Aggregator Services. The Linked Accounts will get aggregated based on the information provided by you, without going into verification, and Prajna FinServ / BuySellMF shall not be liable for any wrong or inaccurate information with respect to your Linked Accounts.

Prajna FinServ / BuySellMF reserves the right to use the information accessed and aggregated by you to provide you with better services, information and alerts from time to time. The Account Aggregator Service tools and services are subject to such charges and fees, as may be made applicable from time to time. Prajna FinServ / BuySellMF reserves the right to change such charges/fees for these services, as deemed fit and proper. Prajna FinServ / BuySellMF will notify you about the charges/fees electronically and intimation shall be provided to you at the email address provided by you at the time of registration.

DATA AND INFORMATION UNDER ACCOUNT AGGREGATOR SERVICE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY, AND IS NOT INTENDED FOR TRADING OR TRANSACTIONAL PURPOSES. IN CASE YOU WISH TO TRADE OR PERFORM ANY TRANSACTIONS, YOU WILL BE DIRECTED TO THE RESPECTIVE THIRD PARTY WEBSITES, IN WHICH CASE YOU WILL BE ABIDING BY THE TERMS & CONDITIONS OF THE RESPECTIVE THIRD PARTY WEBSITES

You agree that Prajna FinServ / BuySellMF is not liable for any errors, inaccuracies or delays in the content or aggregation, or for any actions taken on reliance thereof. The services which you may be able to access through the Website are services of identified Banks or Merchants etc. The Website/ Mobile App provides links to identified Banks or Merchants etc. for your convenience only. Prajna FinServ / BuySellMF does not endorse or recommend the services of any Bank or Merchants etc. The Bank or Merchants etc. you select is solely responsible for its services to you.

Prajna FinServ / BuySellMF is not liable for any damages or costs of any type arising out of, or in any way connected with your use of the Account Aggregator Services or the services of the Bank, or Merchants or third party sites etc., as the case may be. There may be a situation where the use of Account Aggregator Services at the instance of the bank, merchant may result in withdrawal/cancellation/discontinuation of your Account due to any reasons whatsoever. You agree that in such an event, you will not hold Prajna FinServ / BuySellMF liable for withdrawal/cancellation/discontinuation of your Account or consequent damages or losses. You may also add information into the Website/Mobile App for accounts not available at other websites or which are not linked online to the Website/Mobile App. In such a case, you are solely responsible for the accuracy of such information.

You also agree and understand that data feeds, prices, rates and other similar market value information about any product or asset or property or securities or account information could be based on delayed feeds and these data or information may not reflect the real time values/actual rates.

THIRD PARTY SITES

By using the Services, you hereby authorize Prajna FinServ / BuySellMF and its Third Party Service Providers to access the websites of third parties designated by you specifically to link to your account on the Website/ Mobile App, on your behalf, so as to register and enable the Linked Accounts, as requested by you. Prajna FinServ / BuySellMF would act as your agent/power of attorney holder for this limited purpose. The Website/ Mobile App does not have the capability to initiate any transaction affecting your Linked Accounts or provide notices or instructions affecting such Linked Accounts. Transactions and inquiries that you may initiate on the Linked Accounts at such Bank/Merchants/third party sites are not made through the Website/ Mobile App and Prajna FinServ / BuySellMF assumes no responsibility for such transactions or inquiries. You are responsible for the fees charged by the Bank/Merchants/third parties in connection with such transactions and Linked Accounts, and you agree to comply with the terms and conditions of those accounts and use of services.

If you have a dispute or question about any transaction on such website(s), you shall direct those to the respective providers of the Linked Accounts. Third party websites shall be entitled to rely on the authorizations, agency and power of attorney granted by you to Prajna FinServ / BuySellMF, under this Agreement. Prajna FinServ / BuySellMF has no relationship to, affiliation, or connection with any such third party websites available for use with the Services, except where the third party websites belong to group or associate companies wherein you hold an account. However, the Services are not endorsed or sponsored by any such third party websites/providers. You agree and understand that Linked Accounts or services and information of group/associate company are not in any manner intended as being endorsed by PRAJNA FINSERV / BUYSELLMF , nor is it intended to be construed as being endorsed by Prajna FinServ / BuySellMF. You agree and understand that you can choose and avail of the services and information of any other service provider, including for undertaking any transaction or for any other investment related matter. Such services and offerings will be as per the terms and conditions agreed by and between you and the service provider offering such services.

You agree that PRAJNA FINSERV / BUYSELLMF assumes no responsibility and shall incur no liability with respect to the acts, omissions, or determination of any such third party website or service provider. You acknowledge and agree that the Website/ Mobile App may not maintain the same level of security against unauthorized access to your account information as the third party websites from which you have authorized Prajna FinServ / BuySellMF to retrieve information on your behalf.

BUYSELLMF INVESTMENT ACCOUNT FACILITY

As a registered and active user of www.BuySellMF.com Mobile App, in case you avail the facility of dealing in online mutual fund transactions through BuySellMF Investment Account facility, you shall agree to the terms and conditions of BuySellMF Investment Account facility separately available on the website at the time of activation / transactions and all such transactions undertaken shall be subject to /governed by such terms and conditions.

DEACTIVATION OF SERVICE(S) AND TERMINATION OF AGREEMENT

You shall have an option to deactivate the Service(s) by following the administrative rules prescribed by Prajna FinServ / BuySellMF from time to time. The deactivation request(s) would be processed and you shall receive deactivation intimation for your future records and reference. If you use Bill Payment Services and your services account is suspended or cancelled/deactivated, it may result in any scheduled payments/pending electronic payments to also be suspended or cancelled. Deactivation of Services will automatically lead to the termination of this Agreement. Upon deactivation of Services, Prajna FinServ / BuySellMF shall not be liable to refund the subscription fee, if any, paid either in whole or in part.

Prajna FinServ / BuySellMF may, at any time, terminate this Agreement with you immediately upon notice:

• If you have breached any provision of this Agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this Agreement).

• If Prajna FinServ / BuySellMF, in its sole discretion, believes it is required to do so by law or regulatory authority.

• If you are found to upload any objectionable content.

• If you have provided false and incorrect information as a part of your Registration Information.

INTELLECTUAL PROPERTY RIGHTS

• The contents of the Website/Mobile App, including its "look and feel” (e.g. text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programmes) and other material are the owned/licensed by/to Prajna FinServ / BuySellMF and/or its Third Party Service Providers/their licensors and are duly protected by them under applicable copyright, trademark and other laws. You acknowledge and agree that Prajna FinServ / BuySellMF and/or its licensors or suppliers own all rights to this Website/ Mobile App, the content displayed on the Website/Mobile App and any intellectual or proprietary property and/or technology (in any form) made available to you as a part of or in conjunction with the Services. You are only permitted to use any of the foregoing as expressly authorized by these Terms, and otherwise, by the Services. You may download or print a copy of the information provided on this Website/Mobile App for your personal, internal and non-commercial use only. You may not copy, re-print, reproduce (electronically or otherwise), distribute, or create derivative works from any content on the Website/Mobile App, in whole or in part, for any other purpose without our prior written consent. Further, you agree not to reverse engineer or reverse compile any technology associated with the Services, including but not limited to any software applications or Java applets associated with the Services Content, from the Website/ Mobile App, in whole or in part.

INTELLECTUAL PROPERTY RIGHTS

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES AND ALL INFORMATION, PRODUCTS, SERVICES AND OTHER CONTENT (INCLUDING THAT OF THE THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

PRAJNA FINSERV / BUYSELLMF AND ITS SERVICE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICES AND ALL INFORMATION, PRODUCTS, SERVICES AND OTHER CONTENT (INCLUDING THAT OF THE THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, PRAJNA FINSERV / BUYSELLMF AND ITS THIRD PARTY SERVICE PROVIDERS ARE NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY DATA FROM ANY THIRD PARTY OR FOR ANY INTERRUPTIONS IN THE AVAILABILITY OF ANY SERVICES, WHETHER THE RESULT OF ACTIONS BY PRAJNA FINSERV / BUYSELLMF , OR ANY THIRD PARTY.

PRAJNA FINSERV / BUYSELLMF MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON THE WEBSITE/MOBILE APP OR OF THE SERVICES (WHETHER OR NOT SPONSORED BY THIRD PARTY SERVICE PROVIDERS), AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. PRAJNA FINSERV / BUYSELLMF MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICES IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.

CATEGORIZATION OF YOUR TRANSACTIONAL INFORMATION WITHIN THE SERVICES IS ESTIMATION PROVIDED FOR YOUR INFORMATION ONLY, AND PRAJNA FINSERV / BUYSELLMF DISCLAIMS ALL WARRANTIES OF ACCURACY FOR ANY USE, INCLUDING WITHOUT LIMITATION, TAX DEDUCTION. PRAJNA FINSERV / BUYSELLMF AND ITS SERVICE PROVIDERS MAKE NO WARRANTY THAT (i) THE SERVICES WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM PRAJNA FINSERV / BUYSELLMF OR ITS SERVICE PROVIDERS OR THROUGH OR FROM PRAJNA FINSERV / BUYSELLMF OR ITS SERVICE PROVIDERS, WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

LIMITATION OF LIABILITY

YOU AGREE THAT NEITHER PRAJNA FINSERV / BUYSELLMF NOR ANY OF ITS AFFILIATES, SUBSIDIARIES, LICENSORS, SUPPLIERS, SERVICE PROVIDERS, THIRD PARTY DEVELOPERS, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, OPPORTUNITY, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF PRAJNA FINSERV / BUYSELLMF HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM (i) THE USE OR THE INABILITY TO USE THE SERVICES; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM PRAJNA FINSERV / BUYSELLMF ; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE; (v) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vi) ANY OTHER MATTER RELATING TO THE SERVICES.

NIETHER PRAJNA FINSERV / BUYSELLMF NOR ANY OF ITS AFFILIATES , DIRECTORS , OFFICERS OR EMPLOYEES, WILL BE LIABLE OR HAVE ANY RESPONSIBILTY OF ANY KIND FOR ANY DIRECT OR INDIRECT LOSS OR DAMAGE THAT YOU MAY INCUR IN THE EVENT OF ANY FAILURE OR INTERRUPTION OF THIS WEBSITE/MOBILE APP, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS WEBSITE/MOBILE APP OR THE DATA CONTAINED THEREIN AVAILABLE TO YOU, OR from any other cause relating to your access to, inability to access, or use of the Website/Mobile Application or these materials, whether or not the circumstances giving rise to such cause may have been within the control of the Website/Mobile App or of any vendor providing software or services support. In no event, will PRAJNA FINSERV / BUYSELLMF be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind.

IN ALL CASES, THE MAXIMUM LIABILITY, IF ANY, SHALL BE RESTRICTED TO THE EXTENT OF SUBSCRIPTION FEES, IF ANY PAID BY YOU, TO PRAJNA FINSERV / BUYSELLMF FOR USE OF SERVICES WHICH ARE OFFERED BY PRAJNA FINSERV / BUYSELLMF . UNDER NO CIRCUMSTANCES SHALL PRAJNA FINSERV / BUYSELLMF BE LIABLE FOR YOUR USING THESERVICES OFFERED OR PROVIDED BY ANY THIRD PARTY SERVICE PROVIDER.

RULES for POSTING

As part of the Services, Prajna FinServ / BuySellMF may allow you to post content on bulletin boards, blogs and at various other publicly available locations on the Website. These forums may be hosted by Prajna FinServ / BuySellMF or by one of its third party service providers on Prajna FinServ / BuySellMF behalf. While posting any content, you agree to follow certain rules, including but not limited to the following:

a. You shall be solely responsible for all content you post on the Website/ Mobile App

b. By submitting content to us, you represent that you have all necessary rights and hereby grant Prajna FinServ / BuySellMF a perpetual, worldwide, non-exclusive, royalty-free, sub licensable and transferable license to use, reproduce, distribute, prepare derivative works of, modify, display, and perform all or any portion of the content in connection with the Website/Mobile App and Prajna FinServ / BuySellMF business, including without limitation for promoting and redistributing part, or all of the site/mobile app (and derivative works thereof) in any media formats and through any media channels.

c. You also hereby grant other users of the Services a non-exclusive license to access your posted content through the Website/Mobile App, and to use, reproduce, distribute, prepare derivative works of, display and perform such content as permitted through the functionality of the Website/Mobile App and under this Agreement.

d. You shall not post or transmit any message which is libelous or defamatory, or which discloses private or personal matters concerning any person. You may not post or transmit any message, data, image or programme that is indecent, obscene, pornographic, harassing, threatening, abusive, hateful, racially or ethnically offensive; that encourages conduct that would be considered a criminal offense, give rise to civil liability or violate any law; or that is otherwise inappropriate.

e. You shall not post or transmit any message, data, image or programme that would violate the property rights of others, including unauthorized copyrighted text, images or programmes, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion.

f. You may not interfere with other users use of the Services, including, without limitation, disrupting the normal flow of dialogue in an interactive area of the Website, deleting or revising any content posted by another person or entity, or taking any action that imposes a disproportionate burden on the Services' infrastructure, or that negatively affects the availability of the Service to others.

g. Except where expressly permitted, you shall not post or transmit charity requests; petitions for signatures; franchises, distributorship, sales representative agency arrangements, or other business opportunities (including offers of employment or contracting arrangements); club memberships; chain letters; or letters relating to pyramid schemes. You shall not post or transmit any advertising, promotional materials or any other solicitation of other users to use goods or services except in those areas (eg. a classified bulletin board) that are designated for such a purpose.

h. You shall not copy or use personal, identifying or business contact information about other users of the Services without their permission. Unsolicited emails, mailings, telephone calls, or other communications to individuals or companies whose contact details you obtain through the Services are prohibited.

i. You agree that PRAJNA FINSERV / BUYSELLMF may use any feedback, suggestions, or ideas you post in any way, including in future modifications of the Services, other products or services, advertising or marketing materials. You grant PRAJNA FINSERV / BUYSELLMF a perpetual, worldwide, fully transferable, sub-licensable, non-revocable, fully paid-up, royalty- free license to use the feedback you provide to PRAJNA FINSERV / BUYSELLMF in any way.

You agree to also comply with Community Guidelines, in addition to the terms of this Agreement.

MISCELLANEOUS

Service Limitations

Prajna FinServ / BuySellMF will try to make your experience with the Website/Mobile App a productive one. However, PRAJNA FINSERV / BUYSELLMF cannot always foresee or anticipate technical or other difficulties. The Services may contain errors, bugs, or other problems. These difficulties may result in loss of data, personalization settings or other service interruptions. For this reason, you agree that, except as explicitly stated otherwise in these Terms, the Services is provided "AS IS", without warranties of any kind. Prajna FinServ / BuySellMF does not assume responsibility for the timeliness, deletion, mis-delivery, or failure to store any user data, communications, or personalization settings.

Prajna FinServ / BuySellMF and its directors, employees, associates, or other representatives shall not be liable for any damages or injury, arising out of or in connection with the use, or non-use including non availability of the Website/Mobile App, and also for any consequential loss or any damages caused because of non-performance of the system due to a computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reason whatsoever. Prajna FinServ / BuySellMF will not be responsible for any liability arising out of delay in providing any information on the Website/Mobile App.

Service Changes and Discontinuation
Prajna FinServ / BuySellMF reserves the right to discontinue or suspend, temporarily or permanently, the Services, by giving 48 (forty eight) hours notice, on a best effort basis, unless it is merely to change certain features/contents of the Services and/or Website/Mobile App or maintain the security and integrity of the Services. You agree that Prajna FinServ / BuySellMF will not be liable to you in any manner whatsoever for any modification or discontinuance of the Services.

Password Protection
You shall not be entitled to avail of the Services without the use of a user name and password. You are responsible for maintaining the confidentiality of your password and Account, and you shall not allow anyone else to use your password at any time. You are fully responsible for all activities that occur using your password or Account. Please notify Prajna FinServ / BuySellMF immediately of any unauthorized use or access of your password or Account, or any other breach of security. Prajna FinServ / BuySellMF will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge.

Customer Service Requests
If you request customer service assistance or report a problem with the Services, it may be necessary for Prajna FinServ / BuySellMF to access your BuySellMF account/ Mobile App account and view your account information.
Obey the LawYou agree not to use the Services for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others.

Access and Interference

You agree that you will not:
a. Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, programme, algorithm or methodology to access, acquire, copy or monitor the Website/Mobile App, or any portion of the Website/Mobile App, without Prajna FinServ / BuySellMF express written consent, which may be withheld at Prajna FinServ / BuySellMF sole discretion.

b. Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website/Mobile App, other than the search engines and search agents available through the Services and other than generally available third party web browsers (such as Microsoft Explorer).

c. Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interferes with the proper working of the Website/Mobile App or the Services.

d. Attempt to decipher, decompile, disassemble, or reverse engineer any of the software, comprising or in any way making up a part of the Website/Mobile App or the Services.

Restrictions on Commercial Use or Resale

Your right to use the Services is personal to you; therefore, you agree not to resell or make any commercial use of the Services.

Right to use Information

Your usage of this Website/Mobile App provides an implied license to Prajna FinServ / BuySellMF and its service providers, modify, display, distribute any information, data, materials, or other content you provide to Prajna FinServ / BuySellMF and that is retrieved from third party sites at your request and new material created (collectively, "Content") for the purpose of providing the Services.

In addition, Prajna FinServ / BuySellMF welcomes your feedback as a user of the Services. Any feedback you provide will become the confidential and proprietary information of PRAJNA FINSERV / BUYSELLMF , and you agree that PRAJNA FINSERV / BUYSELLMF may use in any manner and without limitation, all comments, suggestions, complaints, and other feedback you provide relating to Prajna FinServ / BuySellMF. Prajna FinServ / BuySellMF shall have a worldwide, royalty-free, non-exclusive, perpetual, and irrevocable right to use feedback for any purpose, including but not limited to incorporation of such feedback into Prajna FinServ / BuySellMF or other Prajna FinServ / BuySellMF software or services.

Endorsements

All product and service marks contained on or associated with the Services that are not Prajna FinServ / BuySellMF marks are the trademarks of their respective owners. Prajna FinServ / BuySellMF would require you to respect the same. References to any such names, marks, products or services of third parties or hypertext links to third party sites or information does not imply Prajna FinServ / BuySellMF endorsement, sponsorship or recommendation of the third party, information, product or service.

Not an Investment Advisor, Planner, Broker or Tax Advisor

Neither Prajna FinServ / BuySellMF nor the Services are intended to provide any legal, tax or financial or securities related advice. You agree and understand that Prajna FinServ / BuySellMF is not and shall never be construed as a financial planner, financial intermediary, investment advisor, broker or tax advisor. The Services are intended only to assist you in your financial organization and decision-making and is broad and general in scope. Your personal financial situation is unique, and any information and advice obtained through the Services may not be appropriate for your situation.

Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your advisor or other financial advisers who are fully aware of your individual circumstances. For more details, please also refer to the Legal Disclaimer provided on the Website/Mobile App.

However Prajna FinServ / BuySellMF may facilitate the above services via any Third Party service provider/ Intermediary in the capacity of agency services

Force Majeure

Under no circumstances shall PRAJNA FINSERV / BUYSELLMF and any of its Third Party Service Providers be liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond their reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, flood, storms, explosions, acts of God, war, earthquake, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.

Indemnification

You agree to protect and fully compensate Prajna FinServ / BuySellMF, its affiliates, subsidiaries, licensors, suppliers and service providers, employees, officers and directors, from any and all third party claims, liability, damages, expenses and costs (including but not limited to reasonable attorneys fees) caused by or arising from your use of the Services, your violation of the Terms or your infringement, or infringement by any other user of your Account, of any intellectual property or other right of anyone. You agree that a third party beneficiary of these provisions, with all rights to enforce such provisions as if Third party were a party to this Agreement.

Promotional Offers
Prajna FinServ / BuySellMF may, from time to time, announce certain offers with intent to promote its Website/Mobile App and/or Services (Promotional Offers). The Promotional Offer(s) would always be governed by these Terms plus certain additional terms and conditions, if any prescribed. The said additional terms and conditions, if prescribed, would be specific to the corresponding Promotional Offer only and shall prevail over these Terms, to the extent they may be in conflict with these Terms. Prajna FinServ / BuySellMF reserves the right to withdraw, discontinue, modify, extend and suspend the Promotional Offer(s) and the terms governing it, at its sole discretion.

Subscription Fees and Additional Charges
The Users agree to pay the different charges for the usage of Website/Mobile App and for its Services thereof as may be specified on the Website/Mobile App from time to time (Subscription Fee). Currently, the Subscription Fee is payable in advance on an annual renewal basis; however, Prajna FinServ / BuySellMF reserves its right to revise the subscription model from time to time, at its sole discretion. Subscription Fee may be specified in one or more categories based on features of the Services. Users shall have the option to subscribe for the Services under any one of such category. Once subscribed, the User shall not be allowed to downgrade the subscription category, until the subscription comes up for renewal. Once paid, there would be no refund of Subscription Fee unless the Services are voluntarily discontinued by Prajna FinServ / BuySellMF, at their sole discretion and convenience. In such an event, the Subscription Fee shall be refunded on a proportionate basis, as per the extant administrative rules of Prajna FinServ / BuySellMF. Prajna FinServ / BuySellMF reserves its right to change the Subscription Fee (or its categories) without any prior intimation. All such changes would be effective prospectively. Notwithstanding anything herein, the Promotional Offer(s) may specify Subscription Fee at differentiated rate(s), which would be applicable solely for the corresponding Promotion Offer(s) and not otherwise.

You are responsible for any and all telephone access fees and/or internet service fees that may be assessed by your telephone and/or internet service provider. You further agree to pay additional charges, if any levied by Third Party Service Provider(s), for the services provided by them through the Website (Additional Charges); e.g. when you use the Bill Payment Service to make an expedited payment, you agree to pay any applicable charges and authorize the processor bank to deduct or charge all such Additional Charges from your designated bank account. These Additional Charges would be in addition to any fees that may be imposed by the payee. You are responsible for fees for your use of the Services even if a payee refuses or is unable to process a requested Bill Payment, or if the payee processes only a portion of the amount owed for a Bill Payment.

Third Party Products and Services
Prajna FinServ / BuySellMF reminds you to be cautious when browsing on the internet and to use good judgment and discretion when obtaining information or transmitting information. From this Website/Mobile App, users may visit or be directed to sites containing information or material that may be offensive or inappropriate to some people. Prajna FinServ / BuySellMF makes no effort to review the content of these sites, nor is Prajna FinServ / BuySellMF or its licensors responsible for the validity, legality, copyright compliance, or decency of the content contained in these sites. In addition, Prajna FinServ / BuySellMF does not endorse or control the content of any other user and is not responsible or liable for any content, even though it could be unlawful, harassing, libelous, privacy invading, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable, or that it infringes or may infringe upon the intellectual property or other rights of another. You acknowledge that Prajna FinServ / BuySellMF does not pre-screen content, but that Prajna FinServ / BuySellMF will have the right (but not the obligation) in their sole discretion to refuse, edit, move or remove any content that is available via the Services.

Electronic Communications
These Terms and any notices or other communications regarding the Services may be provided to you electronically or through any other communication mode. You agree to receive communications from Prajna FinServ / BuySellMF / its group companies/ other third parties with whom PRAJNA FINSERV / BUYSELLMF may share your information so far as required for joint marketing purposes or for offering various services, in electronic form including telephonic calls/ SMS on your mobile/ Email/ posting on service website or through any other communication mode. You confirm that laws in relation to the unsolicited communication referred in “National Do Not Call Registry” (the “NDNC Registry”) as laid down by Telecom Regulatory Authority of India will not be applicable for such communication/calls/ SMS received from Prajna FinServ / BuySellMF, its employees, agents, group companies or third parties as mentioned above. All communications in electronic format will be considered to be in "writing". Your consent to receive communications electronically or otherwise is valid until you revoke your consent by notifying PRAJNA FINSERV / BUYSELLMF of your decision to do so. If you revoke your consent to receive communications, PRAJNA FINSERV / BUYSELLMF shall have the right to terminate the Services.

Assignment
You shall not assign your rights and obligations under this Agreement to any other party. PRAJNA FINSERV / BUYSELLMF may assign or delegate its rights and/or obligations under this Agreement to any other party in future, directly or indirectly, or to an affiliated or group company.

No Waiver
Neither PRAJNA FINSERV / BUYSELLMF nor any of its third party service providers and processor bank/merchants etc. shall not be deemed to have waived any of its/their rights or remedies hereunder, unless such waiver is in writing and signed by PRAJNA FINSERV / BUYSELLMF . No delay or omission on the part of PRAJNA FINSERV / BUYSELLMF or any of its Service Providers and processor bank/merchants etc., in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Exclusive Agreement
You agree that these Terms are the complete and exclusive statement of agreement between you and PRAJNA FINSERV / BUYSELLMF and supersede any proposal or prior agreement, oral or written, and any other communications between you and PRAJNA FINSERV / BUYSELLMF and its Third Party Service Providers or processor bank/merchants relating to the subject matter of these Terms. These Terms, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and PRAJNA FINSERV / BUYSELLMF and/or the processor bank.

Arbitration
Any dispute, controversy or claim arising out of or in relation to this Agreement, including a breach or termination thereof, shall be settled by a sole arbitrator to be appointed mutually by Prajna FinServ / BuySellMF and you, in accordance with the provisions of the Arbitration and Conciliation Act, 1996, or amendment thereto. In the event we are unable to reach an agreement on the sole arbitrator, we agree to have a panel of three arbitrators appointed, of which one shall be appointed by each of us, and the third arbitrator appointed by the two arbitrators. The venue for arbitration shall be Mumbai. The arbitral procedure shall be conducted in the English language and any award or awards shall be rendered in English.

Governing Law and Jurisdiction
The Website/Mobile App specifically prohibits you from usage of any of its Services in any countries or jurisdictions that do not corroborate to all stipulations of these Terms. The Website/Mobile App is specifically for users in the territory of India. In case of any dispute, either judicial or quasi-judicial, the same will be subject to the laws of India, with the courts in Bangalore having exclusive jurisdiction.

This page (together with the Privacy Policy and Investor Services Agreement referred to herein) explains the terms of use ("Terms") of using the website and services ("Services") provided by Prajna FinServ Private Limited ("Prajna FinServ"). We are located at 7th Main, Hosakerehalli, BSK III Stage, Bengaluru - 560 085, Karnataka, India.
BuySellMF is a division of Prajna FinServ Private Limited.
If you do not agree with these Terms, you can/should stop using the Services.

A. Using Our Services

BuySellMF / Prajna FinServ is one of the most advanced and friendly investing service od India. We help invest your savings in Equity, Debt, and Tax Saving Mutual Funds scientifically selected by our proprietary algorithms and software. Please don't misuse BuySellMF / Prajna FinServ’s Services. For example, don't disrupt BuySellMF / Prajna FinServ’s Services or try to access them using a method other than the interface and the instructions that we provide. If you interrupt, destroy or limit the functionality of our Services, we may stop providing our Services to you and pursue legal action against you.
Using our Services does not give you ownership of any intellectual property rights, including any branding or logos, in our Services or the content you access. You may not use content from our Services unless you obtain our permission first, and attribute ownership appropriately.
If you have provided us your contact details, such as email or phone number, we may send you announcements, messages or information on our Services and how to use them. You may opt out of some of these messages.

B. Your Privacy and Data Protection

Prajna FinServ’s Privacy Policy (available at - https://BuySellMF.com/BSMFpages/privacy-policy.php ) explains how we treat your personal data and protect your privacy when you use our Services. By using our Services, you agree that BuySellMF / Prajna FinServ can use such data in accordance with our Privacy Policy.
Using our Services does not give you ownership of any intellectual property rights, including any branding or logos, in our Services or the content you access. You may not use content from our Services unless you obtain our permission first, and attribute ownership appropriately.
If you have provided us your contact details, such as email or phone number, we may send you announcements, messages or information on our Services and how to use them. You may opt out of some of these messages.

C. Prajna FinServ Intellectual Property

Prajna FinServ owns all intellectual property rights in respect of the Services including any literature, reports, data, drawings, designs, diagrams, tables, software, source code or object code or other information or materials, howsoever stored or held, acquired, created, developed, designed or in any way prepared, by Prajna FinServ. The "BuySellMF" name and logos and all related names, trademarks, service marks, design marks, and slogans are the trademarks or service marks of us or our licensors. You may not use the BuySellMF / Prajna FinServ logo in any manner that is deceptive or disparaging, or in connection with any product or service that BuySellMF / Prajna FinServ does not explicitly endorse. If you wish to use BuySellMF / Prajna FinServ trademarks, please contact Invest@BuySellMF.com

D. Your Content in our Services

Some of our Services allow you to upload, submit, store, send or receive content. You retain ownership of any intellectual property rights that you hold in that content. In short, your information stays yours.
When you upload, submit, store, publish, send or receive content to or through our Services, such content must not: 1. Be harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful or racially or ethnically objectionable, disparaging, and relating to or encouraging money laundering or gambling.
2. Harm minors in any way.
3. Infringe any patent, trademark, copyright or other intellectual property rights.
4. Deceive or mislead the reader about the origin of such messages or communicate any information that is grossly offensive or menacing in nature;
5. Contain software viruses or any other programs designed to interrupt, destroy or limit the functionality of another computer or mobile device.
6. Threaten the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order.
7. Cause the incitement to commit any offence or prevent the investigation of any offence.
8. Be insulting to any other nation.
9. Impersonate another person.

Please also note that under the IT Act, such above actions may be considered a crime.

E. Intellectual Property of Others

You may not upload or publish or share any information that belongs to another person and to which you have no right to. If you think somebody is violating your copyright and want to notify us, please contact Invest@BuySellMF.com. We will work with you to resolve your issue within thirty-six hours.

F. Software in our Services

When a Service includes downloadable software, BuySellMF / Prajna FinServ gives you a personal, worldwide, royalty-free, non-assignable, non-sublicensable, and non-exclusive license to use the software provided to you as part of our Services. This license is for the sole purpose of enabling you to use and enjoy the benefit of our Services, in the manner permitted by these Terms.
You may not copy, modify, distribute, sell, or lease any part of our Services, including our software, nor may you reverse engineer or attempt to extract the source code of that software, unless you have our written permission.
This software may update automatically on your mobile device once a new version or feature is available. For example, our mobile application(s) will update automatically on your mobile device unless you adjust your automatic update settings.

G. Your BuySellMF / Prajna FinServ Investment Account

You will need a BuySellMF / Prajna FinServ investment account in order to make investments, the operation of which, is additionally covered by the Investment Services Agreement (available at - https://BuySellMF.com/BSMFpages/Services-Agreement ). By initiating registration for the investment account you acknowledge your acceptance of the Investment Services Agreement.

H. Modifying and Terminating Our Services

We are constantly changing and improving our Services. We may add or remove functionalities or features, and we may stop a Service altogether. In each case, we will give you reasonable advance notice.
You can stop using our Services at any time. BuySellMF / Prajna FinServ may also stop providing Services or create new limits to our Services at any time.

I. Warranties and Disclaimers

The information we provide through our Services does not constitute advice. Please seek independent financial advice when making investment decisions. Other than as expressly set out in these Terms or the Investor Services Agreement, neither BuySellMF / Prajna FinServ nor its service partners make any specific promises about the Services.
We don't make any commitments about the content within the Services, the specific functions of the Services, or their availability to you at all times. We provide the Services "as is".

J. Liability for Our Services

When permitted by law, BuySellMF / Prajna FinServ and its service partners will not be responsible for lost profits, revenues, or data, financial losses, or any damages.
In all cases, BuySellMF / Prajna FinServ and its service partners, will not be liable for any loss or damage that is not reasonably foreseeable.

K. About these Terms

We may modify these Terms to reflect changes to the law or changes to our Services. We will notify you of such changes. Changes will never apply retroactively and will be effective immediately on posting. If you do not agree to the modified Terms, please discontinue your use of the Service.
If there is a conflict between these Terms and the terms of our Investor Services Agreement, the terms of the Investor Services Agreement will prevail for that conflict.
These Terms govern the relationship between BuySellMF / Prajna FinServ and you. They do not create any third party beneficiary rights. If you do not comply with these Terms, and we do not take action immediately, it will not be construed as our consent to your non-compliance. If any term contained in these Terms is unenforceable, it will not affect the other Terms.
You agree that the laws of India will apply to any dispute arising out of or in relation to these Terms or the Services.
All disputes will be subject, first, to mediation, and then by arbitration by a sole arbitrator appointed by BuySellMF / Prajna FinServ in accordance with Indian law. The venue of arbitration will be Bengaluru, Karnataka.

L. SEBI Notification

Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not an indicator of future returns.

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Privacy Policy

Date of last revision: Feb 04, 2017

This Privacy Policy sets forth the reasonable security practices and procedures adopted by Prajna FinServ / BuySellMF and shall apply to the use and disclosure and sharing of sensitive personal data or information (“Personal Information”) provided by the registered users of the website www.BuySellMF.com and Mobile App including but not limited (hereinafter referred as Mobile App), which is owned and operated by Prajna FinServ / BuySellMF. This policy is equally applicable on the visitors to the Website and Mobile App. We value the trust you have placed with us. To provide you with a convenient and safe online/mobile experience, we have implemented measures to protect the confidentiality, integrity, and security of your Personal Information, during storage and transmission through the World Wide Web. This Privacy Policy explains how we protect Personal Information provided by you through the Website/Mobile App and how we store and use that information, to deliver the services on the Website/ Mobile App.

This Privacy Policy is subject to change at any time. It is advised that you review this Privacy Policy periodically. This Privacy Policy is also incorporated into and subject to the Terms of Use of the Website/ Mobile App.

COLLECTION OF PERSONAL INFORMATION

Most features of the Website/Mobile App would require registration, which may require you to provide your details such as an email address, a password and other information.

In case you avail the services of dealing in online mutual fund transactions through Prajna FinServ / BuySellMF Investment Account facility on the website/Mobile App, in such case you would be required to provide Personal Information like your Name, PAN, Bank Account Number [“KYC information”] at the time of registration /activation of such facility. The collection of these KYC Information is obligatory pursuant to regulatory requirements in order to activate and enable the online transactions of mutual funds with AMCs. Such KYC information shall be used/shared/maintained/accessed/stored with/by third party technology service provider/main distributor/AMCs/RTAs/authorised service providers in order to enable/ facilitate/ complete/ process online Mutual Fund transactions and report/statement generation.

From time to time, the Website/Mobile App may also request other Personal Information to provide you with other benefits of the Services. On all such occasions, you will have the opportunity to provide or to decline to provide that Personal Information.

In order to benefit from the full functionality of the services, you would need to provide your Account Credentials to allow the Website/ Mobile App, to provide Account Aggregator Services and Offer/deals/cash back/discounts and related curation services to access your account data from the financial institutions where your accounts are maintained, so that you can use/see consolidated view of various Accounts and avail the offer/deals/cash back/discounts on your various linked and non linked Credit Cards

USE OF PERSONAL INFORMATION

The Website/ Mobile App uses and discloses your Personal Information only as follows:

1. To fulfill / complete your requests for products and services offered, or subscribed or availed by you on the Website/Mobile App.
2. To deliver to you any administrative notices, money alerts, advice, notifications and communications relevant to your use of the Services. To analyze Website/Mobile App usage and improve the services offered.
3. For market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity.
4. To Third Party Service Providers that provide services to Prajna FinServ / BuySellMF and are bound by these same privacy restrictions.
5. To improve features, tailor the Website/Mobile App to your interests, and to get in touch with you whenever necessary.

For any of these purposes, we may use group companies / affiliates, third party vendors, agents, contractors, consultants or service providers (individually a ‘Third Party Service Provider’ and collectively, the “Third Party Service Providers”) We may also use them to help us in providing the features of the Website/Mobile App, such as sending email messages on our behalf, collecting subscription fees for such services, and notifying or contacting you regarding any problem with such Services or hosting and operating a particular feature or functionality. Such Third Party Service Providers are bound by privacy restrictions which are similar to the restrictions mentioned in this Policy.

SHARING AND DISCLOSURE OF PERSONAL INFORMATION

We will not sale, share, rent or trade your Personal Information with any affiliated or unaffiliated third parties. Further, we will also not disclose your Personal Information with any affiliated or unaffiliated third parties, except as mentioned above and also to: Provide you the product and services transaction processing and report generation

1. Conform with any legal requirements or comply with legal process (es)
2. Enforce the terms and conditions of the products or services
3. Protect the interests of Prajna FinServ / BuySellMF, its Affiliates, or its members, constituents, or of other persons

Prajna FinServ / BuySellMF may make anonymous or aggregate Personal Information, and disclose or use such data only in a non-personally identifiable manner for purposes of research, advertising, comparison to organizations approved by Prajna FinServ / BuySellMF.

When you choose to delete your account from the Website/Mobile App, your data will be permanently expunged from primary servers and further access to your account will not be possible. The Website/Mobile App will also promptly disconnect any connection it had established to your linked accounts and delete all Account Credentials.

Notwithstanding anything above, portions of your data, consisting aggregate data derived from your Account Information, may remain on production servers indefinitely. Your data may also remain on their backup server or media. We keep these backups to ensure our continued ability to provide the Services to you in the event of malfunction or damage to primary production servers.

PROMOTIONAL COMMUNICATION FROM THE WEBSITE/MOBILE APP

The Website would provide you with periodic summaries of your Account Information and send email / SMS alerts. The Website/Mobile App also allows you to subscribe to email newsletters, research information, notifications and from time to time may transmit emails / SMS promoting the Website/Mobile App or third-party products or services. You have the ability to opt-out of receiving our promotional emails / SMS, notification and to terminate your newsletter subscriptions or notification facility as the case may be by following the instructions on the Website/Mobile App. Opting out in this manner will not end transmission of service-related emails / SMS - such transactional alerts.

From time to time, the Website/Mobile App may offer you the opportunity to participate in surveys, contests, giveaways and other promotions. Any information submitted in connection with such activities will be treated in accordance with this Privacy Policy, except as specifically set forth in the rules for those surveys, contests, giveaways or promotions.

THIRD PARTY SERVICES AND WEBSITES

You should be aware that Prajna FinServ / BuySellMF shall permit third parties to offer subscription and/or registration-based services through the Website/Mobile App. Prajna FinServ / BuySellMF is not responsible for any actions or policies of such third parties, and you should check the applicable privacy policy of such third party when providing personally identifiable information. Further, Prajna FinServ / BuySellMF will not be responsible if you do not get the benefits announced, if any, by the third parties permitted to offer subscription and registration based services or offer/deals/cash back/discounts offered by third party or as available on its Website.

BLOGS AND OTHER FORUMS ON THE WEBSITE

If you use a bulletin board, blog or chat room on the Website/Mobile App, you should be aware that any information you submit there can be read, collected or used by other users/visitors and could be used to send you unsolicited messages. The Website/Mobile App and Prajna FinServ / BuySellMF are not responsible for any personal information you choose to submit in these forums. These forums shall be hosted by the Website/Mobile App or by our third Party Service Providers on Prajna FinServ / BuySellMF behalf.

USE OF COOKIES AND ONLINE SESSION INFORMATION

The Website will automatically receive and collect certain anonymous information in standard usage logs through our Web server, including computer-identification information obtained from "cookies" sent to your browser from a web server or other means. “Cookies” are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive.

The Website/Mobile App uses cookies for a number of purposes. For instance, to enable us to simplify the logging on process for registered users, to help ensure the security and authenticity of registered users, etc. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the services may be impaired for you.

YOUR DATA IS SECURE

When you register for the Services, the Website/Mobile App requires a Login ID and a password from you for your privacy and security. You are responsible for maintaining the confidentiality of your Login ID and password and you may not provide these credentials to any third party. We recommend that you change your password periodically.

Your password must conform to standards and, as a security feature the Website/Mobile App will automatically reject weak passwords. We shall not be responsible if someone else accesses your account through Login ID and password they have obtained from you or through a violation by you of this Privacy Policy or the Website’s/Mobile App Terms of Use.

While accessing your linked accounts online or linked credit cards, the Website/Mobile App use a combination of firewall barriers, encryption techniques and authentication procedures, among others, to maintain the security of your online session, and to protect Website/ Mobile App accounts and systems from unauthorized access. From the time you submit your Login ID and password, these communications between your computer/mobile and the Website/Mobile App are encrypted using at least 128-bit secure socket layer technology (SSL). This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery. The Website/ Mobile App also encrypts your Website/Mobile App password so that your password cannot be recovered, even by us.

For enhanced security, all Account Credentials of other Financial Institutions provided by you, for your use / consolidated view are encrypted and stored in our Secure Servers. All our servers are located in a secure facility. Access requires multiple levels of authentication. Prajna FinServ / BuySellMF has been verified by Verisign for its use of SSL encryption technologies.

In respect of KYC information provided by you for enabling the online mutual fund transactions and the mutual fund transaction details, such information would be also available with third party technology service provider/main distributor/AMCs/RTAs/authorised service providers and treated as proprietary and confidential in nature by them and to be used/shared/maintained/processed by them only on need to know basis for service enablement.

FEEDBACK

If you have questions, comments, concerns or feedback regarding this Privacy Policy or any other privacy or security concern, you can contact Grievance officer at Invest@BuySellMF.com

When you register as a user on BuySellMF, you only have to enter the minimum personal information that is required for you to use our basic services. Should any further information be required, you will be informed as to why you are being asked for this additional information and how it may be used on this site. Rest assured, you will always have the power to control the amount of personal information you provide.
BuySellMF is designed to protect the confidentiality, integrity and security of your personal information during storage and transmission of your data. Your account User ID and password and all your account details are stored in highly secure servers.

Only you can access your financial information

While BuySellMF provides you access to all your financial information, no one at BuySellMF has access to your individual accounts, funds, investments – this information is for your eyes only. BuySellMF uses VeriSign's robust SSL encryption technology to secure your data. Your account data is stored and transmitted in an encrypted format at all times.

Only you can make important financial transactions

BuySellMF is designed to protect the confidentiality, integrity, and security of your personal information during storage and transmission of your data. For instance, you can pay bills or trade online only after authentication through transaction credentials, known only to you. Moreover, you will receive instant e-mail and text alerts that notify you of any large transactions, hence ensuring financial security.

PRIVACY POLICY

This privacy policy sets out how BuySellMF and Prajna FinServ Pvt. Ltd. uses and protects any information that you share when you use this website.

BuySellMF / Prajna FinServ is committed to ensuring that your privacy is protected at all times. Should we ask you to provide certain information by which you can be identified when using this website, you can be assured that it will only be used in accordance with this privacy statement.

BuySellMF / Prajna FinServ may change this policy from time to time by updating this page. This policy is effective from January 1, 2010.

WHAT WE COLLECT

We may collect the following information: 1. Name and contact details
2. Personal information, including date of birth, Aadhaar Number, and Permanent Account Number (PAN)
3. Demographic information such as gender and income
4. Other information that can help us improve our services

WHAT WE DO WITH THE INFORMATION WE GATHER

We require this information for the following reasons:
1. To conduct Know-Your-Customer registration as required by SEBI and/or other regulatory bodies
2. To perform compliance checks and keep / maintain internal records
3. To use the information to improve our products and services
4. To periodically send emails to your registered email address about your investments, or other information which we think you may find interesting
You will be free to unsubscribe from our mailing list at any time if you do not wish to receive such emails from us. From time-to-time, we may also use your information to contact you via phone or email for market research purposes.
We will not sell, distribute or lease your personal information to third parties unless we are required to share such information under the terms and conditions of the products and services you avail, or we are required to do so by law.

SECURITY

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

HOW WE USE COOKIES

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic, or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to our customers’ needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser’s settings to decline cookies. This may prevent you from taking full advantage of the website.

LINKS TO OTHER WEBSITES

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over such third-party websites. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites. You should exercise caution and look at the privacy statement applicable to the website in question.

CONTROLLING YOUR PERSONAL INFORMATION

If you believe that any of your information with us is incorrect or incomplete, please email us as soon as possible at Invest@BuySellMF.com. We will promptly correct any information found to be incorrect.

By using the website www.BuySellMF.com and signing up for our services, ("BuySellMF / Prajna FinServ" or "Services"), or providing us your personal information for any other purpose, you agree to this Privacy Policy, and the Terms of Use of Website and Services available at https://BuySellMF.com/BSMFpages/terms-of-us.php.

Your privacy is of the utmost importance

BuySellMF / Prajna FinServ’s main goal is to provide features / Convenience that benefit you directly. Information is only collected if it directly supports features / Convenience made for you. We take the protection and proper use of your personal information seriously and are committed to protecting your personal information in our possession.
This policy will help you understand the types of information we collect from you, the purpose for which the information is collected; how the information is used; the intended recipients of such information; and how the information is protected. If you would like more details, you can contact us at https://BuySellMF.com/BSMFpages/contact-us.
For the purposes of this policy, “personal information" means any information that can be used to identify you personally.

Using BuySellMF as a Visitor

If you are a first-time visitor to BuySellMF / Prajna FinServ: 1. We don’t know who you are.
2. We collect technical data about your interaction with the Services. This is data we get from your use of our services. We collect data about your interaction with our website, such as pages visited and average time spent on the website, your internet protocol address, the unique identifier of your device and device information such as operating system, operating system version, browser plugins, crashes, system activity, hardware settings, date and time of your request and referral URL, and cookies that may uniquely identify your browser and mobile application.
3. We use this data to analyse how you use our website and improve the services provided through the website;

Using BuySellMF as a Registered User

If you have provided us your email address: 1. You are a registered user of BuySellMF / Prajna FinServ.
2. You may be asked to give us additional information such as your name or mobile number in order to use certain features of the Services.
3. We collect technical data about your interaction with the Services.
4. We use all the collected data to:
o Respond to your queries about the Services;
o Deliver to you any notices, alerts, or communications relevant to your use of the Services;
o Offer you other products or services that we believe may be of interest to you. You have the option to opt-out of receiving such communication;
o Aggregate your anonymised information with information from other registered users to perform market research, project planning, product development,
troubleshoot problems, analyse user behaviour, marketing purposes, and promotions; o Enforce our Terms of Use of Website and Services;

Using BuySellMF as an Investor

If you wish to start investing in mutual funds through BuySellMF / Prajna FinServ:
1. You will be asked for basic registration information, such as an email address and password.
2. You will be asked to provide personal details including your name, address, age, marital status, sex, and income.
3. You will be asked for financial information like your bank account and other payment instrument details.
4. We use this information to:
o Fulfil your requests for mutual fund investments and the related services we provide;
o Comply with regulations to prevent fraud, money laundering or any other criminal activity;
o Enforce the terms of the Investor Services Agreement;

4. How We Use Your Data

Your email address is used to send you updates regarding the Services. You can select what communication you’d like to receive from us by modifying your account settings after you login to your BueSellMF / Prajna FinServ account. Your password is encrypted before being stored in our database and no one other than you knows or has access to it. Under no circumstance do we know or share your password with anyone.
In order to start investing through BuySellMF / Prajna FinServ, we will need to verify your identity. To do so, we may, directly or through third parties, use the identification information you provide to verify it against databases maintained by a KYC (Know Your Client) Registration Agency, registered under the Securities and Exchange Board of India {KYC (Know Your Client) Registration Agency} Regulations, 2011, and the Unique Identification Authority of India. We may also use your information to verify your identity in the event you contact us for assistance with the site or services.
We use cloud-based software tools to perform certain business-related functions. Examples of such functions include, maintaining databases and servers, processing text messages, phone calls, chats and emails, and marketing and sales analytics. A full list of our third-party service providers is available at https://BuySellMF.com/BSMFpages/company. Please note that these providers are bound by the same standards of data security practices and procedures as we are under law and contract.

5. How We Use Your Financial Information

We use your financial information to make investment recommendations, and to execute your investment instructions only. For more information on how we do this, do read our FAQ on security at https://BuySellMF.com/help/security.

6. How We Use Technical Data


BuySellMF / Prajna FinServ uses Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses first-party cookies to report on user interactions with our web-based services. These cookies store non-personally identifiable information. Google Analytics aggregates technical data (non personally identifiable data relating to your usage of our website) with data collected from other BuySellMF / Prajna FinServ users. We use this information to identify the most popular areas of the Services and how to best present and customise them. We may use the unique identifier of your device for security purposes to track suspicious activity. For instance, if we detect that your BuySellMF / Prajna FinServ is being accessed from multiple devices, we may contact you to ensure that you have authorised such access. Under no circumstance will your email, password, any personal financial data be collected by or shared with Google Analytics. For more information about how Google handles technical information, please visit the site, "How Google uses data when you use our partners’ sites or apps", (located at - www.google.com/policies/privacy/partners).

7. Access Your Information

Your personal information is yours. Under Indian law, you have the right to ask us for a readable copy of all your personal information stored with us. If you have any questions about the accuracy or safety of your information, please do contact us at the address given below: Grievance officer – Mutual Fund Desk
Prajna FinServ Pvt Ltd.
#51, HariPriya,
7th Main, Hosakerehalli,
BSK III Stage,
Bengaluru – 560 085, Karnataka, India.
Email: Invest@BuySellMF.com

8. Disclosure of Information


Simply put, under no circumstance will we sell or rent your personal information to anyone, for any reason, at any time. Just like any other financial services company, we use authorized third party service providers who are bound by the same standards of data security practices and procedures as we are under law and contract. They are subject to the same penalties as we are for the unauthorised disclosure of your personal information. However, under Indian law, BuySellMF / Prajna FinServ remains liable to you, our customer, for any unauthorised disclosure of your sensitive personal information.

9. Security Practices and Procedures

BuySellMF / Prajna FinServ follows industry best practices, using open and known principles when transferring and storing your data. We believe the biggest threat to the security and privacy of your data is if someone – probably someone you know – gains access to any of your devices. Remember to keep your password safe and secret to prevent unauthorised access to your BuySellMF / Prajna FinServ account. If you think that the security of your BuySellMF / Prajna FinServ account has been compromised, change your password and contact us immediately for further assistance.

10. How Your Information is Transmitted

Your data is transmitted between your device and our servers using HTTPS protocol for encryption. HTTPS is the same technology used to create secure connections for your web browser, and is indicated by a padlock icon in your browser.

11. Our Legal Obligation to You


We are bound by the (Indian) Information Technology Act, 2000, and comply with all its provisions available at http://deity.gov.in/content/it-act-2000-dpl-cyber-laws. Under Section 43A of the (Indian) Information Technology Act, 2000, BuySellMF.com and all its service providers are obliged to maintain reasonable security procedures to safeguard your data. Should there be any accidental disclosure of your personally identifiable personal information, you have the right to compensation from BuySellMF / Prajna FinServ.
Under Regulation 5 of the Information Technology (Reasonable Security and Procedures and Sensitive Personal Data or Information) Rules, 2011, we are obliged to provide every registered user of BuySellMF / Prajna FinServ with a readable copy of the personal information you have provided us. If you would like a copy, do get in touch with us at the address provided above.

12. Changes to This Privacy Policy


This Privacy Policy is published on the website in compliance with Regulation 4 of the (Indian) Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 201.
We update our Privacy Policy periodically. We will notify you of any changes to this Privacy Policy. The date of last revision appears at the top and all changes take effect immediately upon posting.
If you do not agree with the terms of this Privacy Policy or any changes made to this Policy, you can cease using all Services immediately and write to us at the address mentioned above.

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Disclaimer

Last Updated: February 4th, 2017

Prajna FinServ / BuySellMF offer an innovative online aggregation platform providing aggregation, analysis, rule, based recommendations and transactions to help individuals manage their personal finance end to end via “BuySellMF.com”. Prajna FinServ also offers a range of solutions for Wealth Management, Investment Advisory, Retirement Solution and Financial Planning. It also offers third party products like company deposits, Mutual Funds, Insurance, Structured Products, Alternate Investments and property services. Prajna FinServ has a strong pan India distribution network and enjoys the trust of over 500 customers. BuySellMF is a part of the Prajna FinServ Private Limited which provides a wide gamut of financial offerings and Advisory Services suited to serve your financial needs such as Life Insurance, Asset Management, Wealth Management and Distribution and General Insurance.

Also a data entry company from India, we provide time-bound and high-quality data entry services and encourage our clients to outsource end-to-end data entry projects to us.

Mutual Funds investments are subject to market risks, read all scheme related documents carefully. There is no assurance or guarantee that the objectives of the Scheme will be achieved. Investors are requested to read the Mutual Fund Scheme Information Document, Statement of Additional Information and Key Information Memorandum for Scheme specific relevant details & risk factors. Prajna FinServ Private Limited (holding ARN No. 74461) and provides its services under the brand name of “www.BuySellMF.com”. Prajna FinServ / BuySellMF make no warranties or representations express or implied on such product. Prajna FinServ / BuySellMF accept no liability for any damages or loss however caused in connection with the use of or reliance on product or related services. T&C, Legal Disclaimer and Privacy Policy of the website will be applicable.’’

The information and the views provided herein only constitute opinions and therefore cannot be considered as guidelines, recommendation or as a professional guide for the investors and non-binding and it is not obligatory or necessary for Investors to act on them and it does not constitute any legal, tax or investment advice, or an opinion regarding the appropriateness of any investment. Before making any investment, the investors are advised to seek independent professional advice, verify the contents in order to arrive at an informed investment decision. Mutual Fund Suggestion / Offering provided by Prajna FinServ / BuySellMF is just an incidental activity to distribution of Mutual Funds. The research based investment recommendations are provided by /created by/ sourced from Fund Sumo, and not by Prajna FinServ / BuySellMF. Investors hereby agrees and provide his/her consent that If the investment amount is withdrawn before the completion of term/tenure set for any particular goal, returns/goal achievement are not assured and the same is subject to market risk and situation. Exit load may be applicable on case to case basis. Mutual Funds are recommended based on the information provided by individual investor and accordingly calculated based on set algorithm. Recommendation/suggestion of funds may vary from time to time and from individual to individual. The goal based offering is only subject to investment in Mutual Funds and do not include investment in any other financial product.

Legal Disclaimer

BuySellMF Website viz. www.BuySellMF.com and Mobile Application including but not limited is owned and maintained by Prajna FinServ Private Limited. By accessing, using and/or registering on the Website/ Mobile App you have read, understood and agree to be legally bound by the terms of this disclaimer, the Privacy Policy and the Terms and Conditions governing this Website/ Mobile App (collectively, "the Governing Conditions"). Prajna FinServ/BuySellMF reserves the right to make changes to the Website/ Mobile App and the Governing Conditions at any time. Your usage of the Website/Mobile App or Services and Information (defined later), is entirely at your own risk. If you do not agree with any of the Governing Conditions, you should discontinue usage of the Website/Mobile App and/or Services and Information. Your continued use of the Website/ Mobile App shall mean your deemed acceptance to the Governing Conditions, as modified from time to time.

Prajna FinServ / BuySellMF makes no representation, warranty or guarantee as to the quality, accuracy, completeness, performance or fitness of any alert, article, view, video, information, advice, tool, calculator, analysis, report, data, content news, price, statistic, comment, feedback, advertisement, notification etc. provided on or through the Website/ Mobile App (collectively, "the Services and Information"). The Services and Information provided on or through the Website/ Mobile App are for general guidance and information purposes only and they do not in any manner indicate any assurance, advise or opinion of any manner whatsoever. Prajna FinServ / BuySellMF makes no representations, warranties or guarantees (express or implied) that the contents of the Website/Mobile App or Services and Information are free from infection by viruses or other code or computer programming or anything else which has contaminating or destructive properties; and shall have no liability in respect thereof. Any of the Services and Information may be prone to shortcomings, defects or inaccuracies due to technical reasons.

Prajna FinServ / BuySellMF neither offers nor intends to provide any investment advisory services; Services and Information are sourced from experts or third party service providers/Intermediary, which may also include reference to any associate or group company. However, any such services and information shall not be construed to represent that they belong or represent or are endorsed by the views of the Website/Mobile App or Prajna FinServ / BuySellMF. Any service and information provided or sourced from group/associate company are incidental. Prajna FinServ / BuySellMF is an independent entity and such services and information from any group or associate company are not in any manner intended or to be construed as being endorsed by Prajna FinServ / BuySellMF. You can choose and avail the services and information of any other service provider, including for undertaking any transaction or for any other investment related matters. Such services and offerings will be as per the terms and conditions agreed by and between you and the service provider offering such services.

The Services and Information do not constitute investment or financial advice or advice to buy or sell, or to endorse or solicitation to buy or sell any securities or other financial instrument for any reason whatsoever. Nothing on the Website/Mobile App or Services and Information is intended to constitute legal, tax or investment advice, or an opinion regarding the appropriateness of any investment or a solicitation of any type.

The Services and Information are dependent on various assumptions, individual preferences and other factors and thus, results or analyses cannot be construed to be entirely accurate and may not be suitable for all categories of users. Hence, they should not be solely relied on when making investment decisions. Your investment or financial decision shall always be at your own discretion and based on your independent research; and nothing contained on the Website/Mobile App or in any Services and Information would construe Prajna FinServ / BuySellMF or any of its employees/authorized representative as having been in any way involved in your decision making process. Any information and commentaries provided on the Website/Mobile App are not meant to be an endorsement or offering of any stock or investment advice. These are meant for general information only. Prajna FinServ / BuySellMF or any of its employees are in no way liable for the use of the information by you, when making any decision or investing or trading through any investment vehicles or group or associate companies of Prajna FinServ / BuySellMF, or any other third party which may be engaged in offering of these services.

Investment in the securities market and any financial instruments are inherently risky and you shall always assume complete and full responsibility for the outcomes of all the financial or investment decisions that you make, including but not limited to loss of capital. You are therefore advised to obtain your own applicable legal, accounting, tax or other professional advice or services before taking or considering an investment or financial decision. Any access to information hosted on third party websites of billers/banks/merchants/associate companies or group companies etc. is not intended and shall not be treated as an offer to sell or the solicitation of an offer to buy any product/offering of these third parties.

Nothing contained herein is, or shall be relied upon as, a promise or representation as to the past or future. The information provided herein is intended only as an indicative guide and a generic description of the services and products and no representation is given as to the accuracy or completeness of the whole or any part of this information. The details provided herein are tentative and subject to change by the service lender/banks/NBFC without any prior information. Potential investors/Customer are advised to make their own enquiries, do their own due diligence and satisfy themselves on all aspects of the products and services and other term including but not limited to pricing, features, benefits, offers both financial and otherwise/ interest rates/fees/ Lenders/NBFC’s T&C before making any decision. Since the product and related services are owned and operated by third party, Prajna FinServ / BuySellMF their affiliates, directors, employees, advisers and/or agents (Representatives) expressly disclaim any and all liability and damages or losses relating or resulting from the use of all or any of the information/contents/offers/ services/ products contained therein. None of Prajna FinServ / BuySellMF and their Representatives, render any advice to any Recipient or make any representation or warranty, expressed or implied, as to the fairness, accuracy, correctness, adequacy or completeness of the information contained herein.

You also agree and understand that data feeds, prices, rates and other similar market value information about any product or asset or property or securities or account information could be based on delayed feeds and that these data or information may not reflect the real time values/actual rates. You are therefore advised to refer to latest market values/rates/prices from time to time.

Prajna FinServ / BuySellMF is not responsible for any errors or omissions or for the results obtained from the use of the Website/Mobile App or Services and Information. Prajna FinServ / BuySellMF disclaims all liability of whatever nature, to any user, on account of the use of the Website/Mobile App or Services and Information. In no event shall Prajna FinServ / BuySellMF or its affiliates or its group company or its employees, directors or authorized representatives be held liable for any direct, indirect, special, consequential, punitive or exemplary damages of any nature whatsoever, for any decision made or action taken in reliance upon the Services and Information. Prajna FinServ / BuySellMF /its employees/authorized representatives will not be responsible for any liability in respect of any person/entity directly or indirectly suffering any consequential losses, damages or claims of whatever nature as a result of any shortcoming, defect or inaccuracy that may have crept in on this Website/Mobile Application, or otherwise using the information available on this Website/Mobile App in any manner.

This Website/Mobile App may contain material or views or information submitted by users and/or third party sites; however, Prajna FinServ / BuySellMF accepts no responsibility or accuracy of such content, nor does the Website/Mobile App make any representations by virtue of the contents of this Website/Mobile App, in respect of the existence or availability of the same in any of the sections contained herein. Prajna FinServ / BuySellMF makes no representations, warranties or guarantees (express or implied) that the contents of the Website/Mobile App are free from infection by viruses or other code or computer programming or anything else which has contaminating or destructive properties and shall have no liability in respect thereof.

Part of this Website/Mobile App may contain advertising and other material submitted by third parties and Prajna FinServ / BuySellMF does not accept liability in respect of any advertisements. Prajna FinServ / BuySellMF is not responsible for any errors, omissions or representations on any of the pages or on any links on any of the pages. www.BuySellMF.com / mobile app will contain articles, videos or views contributed by several individuals. The views are exclusively their own and do not necessarily represent the views of the Website/Mobile App or its management. There may be links to third party sites and when you access the same, they are not under our control and Prajna FinServ / BuySellMF is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Any information, opinions, advice or offers posted by any person or entity logged in to the Website/Mobile App or any of its associated sites is to be construed as public conversation only, and Prajna FinServ / BuySellMF shall not be liable or responsible for such public conversation.

Certain Services and Information may be based on Short Messaging System (SMS). These are subject to the TRAI regulations and also to your telecom service provider, as may be applicable from time to time. Prajna FinServ / BuySellMF cannot be held responsible for non-delivery or delay in delivery of SMS to your mobile phone/handset. Prajna FinServ / BuySellMF reserves the right to deny access of the Website/Mobile App or Service and Information to anyone, at its sole discretion. Certain Services and Information could be offered by Prajna FinServ / BuySellMF group or associate companies. Such Services and Information will be as per the terms and conditions agreed by and between you and such other group or associate companies and Prajna FinServ / BuySellMF shall in no way be liable or responsible in this regard.

The usage of the Website/Mobile App is exclusively subject to the laws of India and the jurisdiction of the courts of Mumbai in India. Prajna FinServ / BuySellMF expressly disclaims any implied warranties or liabilities imputed by the laws of any other jurisdiction. This Website/Mobile App is specifically for users in the territory of India, though access to users outside India is not specifically denied.

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BuySellMF Investment Account T & C

DECLARATION

I/We hereby agree and give consent for opening of BuySellMF Investment account facility with Prajna FinServ Pvt Ltd, [herein after jointly and severally called as 'Mutual Fund Distributor'] for undertaking online mutual fund transactions on www.BuySellMF.com

I/We acknowledge that I/We have read the terms and conditions ("Terms and Conditions") which are applicable for BuySellMF investment account facility on www.BuySellMF.com and that I have read and understood the said Terms and Conditions and that a copy of the Terms and Conditions is available on www.BuySellMF.com and I/We hereby jointly and severally agree and undertake to abide by these Terms and Conditions.

I/We further agree to accept the updated Terms and Conditions as may be notified from time to time on www.BuySellMF.com before executing the transactions.

I/We understand and agree that, pursuant to the Terms and Conditions, I/We hereby authorize the Mutual Fund Distributor to execute my/our instructions for purchase /redemption / switch/sell or other transactions/ activities in respect of online mutual fund transactions on my/our behalf, as may be instructed by me/us from time to time on www.BuySellMF.com

to transmit the above introductions to Mutual Funds/ Asset Management Companies / its Registrar and Transfer Agents for further processing thereof and allotment/redemption/switch of units of mutual funds as the case may be to instruct the Mutual Funds/ Asset Management Companies / its Registrar and Transfer Agents to make note of instructions with regards to nomination / changes in investments plan to correspond with and give notice to the Mutual Funds/ Asset Management Companies / its Registrar and Transfer Agents as applicable from time to time relating to online mutual fund transaction
I/We hereby declare that the particulars given by me/us are true and correct to the best of my/our knowledge and belief. I/We undertake to inform, in writing, of any change in the particulars furnished above and also simultaneously update the KYC information/bank mandates maintained with KRAs/AMCs.

I/We hereby allow the Distributor to utilize my KYC information such as identity (name, PAN, age etc.), address and signature for sending it to Asset Management Companies (AMC) for the purpose of validation and to comply with the legal and regulatory requirements. I hereby accept that the signature available in the CVL KRA records/system would be used for signature verification for processing any requests made by me through www.BuySellMF.com and in the event of such signature not being available or legible in the CVL KRA records/system, I understand and agree that the AMC shall be entitled to carry out further checks to validate the authenticity of the request and/ or to reject / disallow any transaction in connection herewith.

I/We shall execute and deliver to the Mutual Fund Distributor from time to time such other documents as may be required for updation of records if any. I/We further agree that any false/misleading information given by me/us or suppression of any material fact will render my / our account liable for Termination.

I / We hereby confirm and declare that the bank account number and information provided by me are accurate and belongs to me. I hereby authorise Prajna FinServ / BuySellMF to utilize my signature available in KRA records for the purpose of initial processing (pre confirmation) of NACH mandate and setting up the NACH mandate through www.BuySellMF.com and to comply with regulatory requirement notified from time to time. I hereby accept that in the event such signature is not available or legible in CVL KRA records/system, PRAJNA FINSERV / BUYSELLMF and the bank shall be entitled to carry out future checks to validate the authenticity of the request / or to reject / disallow any transaction in this connection.
I/We do hereby nominate the under mentioned Nominee to receive the units to my / our credit in this folio no. in the event of my / our death. I / We also understand that all payments and settlements made to such Nominee (upon such documentation) shall be valid discharge by the AMC / Mutual Fund / Trustees.
I hereby declare that I do not have any existing Micro SIPs which together with the current application in rolling 12 month period or in financial year i.e. April to March will result in aggregate investments exceeding ` 50,000 in a year.
I / we am / are aware and understand that if, at the time of availing the Micro SIP , I / we hold a valid Permanent Account Number (PAN) issued by the Income Tax Department of India, a KYC acknowledgment letter issued by CDSL Ventures Limited would have to be submitted by me / us to MF/AMC. Accordingly I / we understand and agree that I / we shall be responsible for the consequences of non-submission of the same, if any

TERMS AND CONDITIONS

1. I / We have read and understood the contents of all the scheme related documents including but not limited to Statement of Additional Information and Scheme Information Document, Key Information Memorandum (KIM), addenda issued thereto and Product Label of the Scheme(s) before making the investment.
2. I / We agree to abide by the terms, conditions, rules, regulations and take note of the risk factors of the respective scheme(s) as on the date of this transaction.
3. I / We have neither received nor been induced by any rebate or gifts, directly or indirectly in making the above transaction.
4. I / We hereby declare that I am / We are authorized to make the above transaction and the amount invested by me / us in the scheme(s) is through legitimate sources only and does not involve and is not designed for the purpose of any contravention or evasion of any Act, Rules, Regulations, Notifications or Directions issued any statutory or regulatory or government authority from time to time.
5. only applicable in case of investment by NRIs):I / We confirm that the I am / We are Non- Resident(s) of Indian Nationality / Origin and that the funds for additional purchases are remitted from abroad through approved banking channels or from funds in my / our NRE/ NRO / FCNR account. I / We are not a resident / incorporated body under the laws of United States of America or Canada.
6. The upfront commission, if any, on investment made by me/us shall be paid by me/us directly to the ARN Holder, based on my/our assessment of various factors including the service rendered by the ARN Holder. I/We have been disclosed by the ARN holder all the commissions (in the form of trail commission or any other mode), payable to him/them for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to me/us on the website www.BuySellMF.com
7. I/We confirm and believe that this transaction is appropriate for me/us as per my/our investment objective.
8. I understand that Mutual fund and Securities are subject to market risks and there can be no assurance that the objectives of the schemes will be achieved.
9. I/We agree to the terms and conditions for transacting through BuySellMF Investment Account as mentioned below

In case you avail the services of dealing in online mutual fund transactions through BuySellMF Investment Account facility on the website/Mobile App, in such case you would be required to provide Personal Information like your Name, PAN, Bank Account Number ["KYC information"] at the time of registration /activation of such facility. The collection of these KYC Information is obligatory pursuant to regulatory requirements in order to activate and enable the online transactions of mutual funds with AMCs. Such KYC information shall be used/shared/maintained/accessed/stored with/by third party technology service provider/main distributor/AMCs/RTAs/authorised service providers in order to enable/ facilitate/ complete/ process online Mutual Fund transactions and report/statement generation.
From time to time, the Website/Mobile App may also request other Personal Information to provide you with other benefits of the Services. On all such occasions, you will have the opportunity to provide or to decline to provide that Personal Information.
In order to benefit from the full functionality of the services, you would need to provide your Account Credentials to allow the Website/ Mobile App, to provide Account Aggregator Services and Offer/deals/cash back/discounts and related curation services to access your account data from the financial institutions where your accounts are maintained, so that you can use/see consolidated view of various Accounts and avail the offer/deals/cash back/discounts on your various linked and non linked Credit Cards . All such Account Credentials and data collected from such Accounts are stored by our Third Party service provider, in their highly secured servers. The section "Your data is secure" describes the various security mechanisms followed.

TERMS AND CONDITIONS - BUYSELLMF INVESTMENT ACCOUNT FACILITY

The Website/ Mobile App uses and discloses your Personal Information only as follows:
1. To fulfill / complete your requests for products and services offered, or subscribed or availed by you on the Website/Mobile App.
2. To deliver to you any administrative notices, money alerts, advice, notifications and communications relevant to your use of the Services. To analyze Website/Mobile App usage and improve the services offered.
3. For market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity.
4. To Third Party Service Providers that provide services to PRAJNA FINSERV / BUYSELLMF and are bound by these same privacy restrictions.
5. To improve features, tailor the Website/Mobile App to your interests, and to get in touch with you whenever necessary.

This "BuySellMF Investment Account" facility is provided by Prajna FinServ / BuySellMF to enable the investors to carry out online transactions in the units of the mutual funds. Prajna FinServ / BuySellMF is registered with AMFI as Mutual Fund distributor with ARN Code 74461. BuySellMF has entered into an agreement with Prajna FinServ to act as sub distributor for online distribution of units of the schemes of mutual funds through its website www.BuySellMF.com[herein after referred to as "website"]. Prajna FinServ is registered with AMFI and various AMCs as the Principal ARMFA and shall be responsible/ liable for all regulatory compliances /contractual obligations of the BuySellMF with respect to online distribution of units of mutual funds. Prajna FinServ and BuySellMF are hereinafter jointly and severally referred to as "Mutual Fund Distributor". BuySellMF is a sub distributor of Prajna FinServ (Principal ARMFA) for the purposes of Unified AMFI Guidelines for AMFI Registered Mutual Fund Advisor? issued by AMFI and shall be responsible for investor servicing and their grievance redressal. BuySellMF Investment Account facility is available only to the users who have registered themselves on www.BuySellMF.com BuySellMF Investment Account facility is being enabled on www.BuySellMF.com through a third party technology service provider who has entered into necessary agreements and link up with Banks for offering various facilities through the internet, which facilities and services including Net Banking and payment settlement facilities in respect of payment instructions initiated by the Investors using Online payment facility. Accordingly, BuySellMF Investment Account facility is available to those investors who hold bank account with these banks and have availed the facility for online payments / Net Banking. This facility is made available with respect to select Mutual Funds only, with whom Prajna FinServ has entered into a separate arrangement and accordingly provides online platform to deal in the units of the scheme of these mutual funds that are existing / launched / offered by them from time to time. By subscribing for the BuySellMF Investment Account facility, you agree and accept to abide and be bound by these terms and conditions. You further agree to execute all the necessary documents which may be needed from time to time, to send the necessary dealing details to the Mutual Funds / their authorised Registrar & Transfer Agents (RTAs) to give effect to the dealings made through BuySellMF Investment Account.

1. Registration

The Registration to the BuySellMF Investment Account facility is subject to the satisfactory completion BuySellMF Investment Account registration form and submission of all mandatory documents and valid Permanent Account Number ("PAN") and its subsequent verification and KRA verification.
BuySellMF Investment Account facility can be activated for KYC Registration Agency (KRA) verified investors only. Accordingly while enrolling for the BuySellMF Investment Account registration, your KRA verification process will be checked and you shall provide a copy of valid PAN and proof of completion KYC through SEBI approved KYC Registration Agency ( KRA Agency ) or other details as may be prescribed from time to time and these details shall get verified with KRA.
You agree and authorise Mutual Fund Distributor to submit all the KYC Documents (name, Pan, age, address and signature)/investor related documents to the respective Mutual Funds, Asset Management Companies and/ or their Registrar and Transfer Agents for the purpose of validation and to comply with regulatory requirement notified from time to time. You agree that signature available in the KRA records/systems would be used for signature verification for processing any request made by you through www.BuySellMF.com or direct transactions with AMC and in the event such signature is not available or legible in KRA records/system, you understand and agree that the AMC shall be entitled to carry out further checks to validate the authenticity of the request / or to reject/ disallow any transaction in the connection herewith.
Once it is ascertained that the investor is KRA verified the BuySellMF Investment Account facility would be activated. The BuySellMF Investment Account facility can be operated using your BuySellMF user id and password You agree and unconditionally confirm that you shall be solely responsible to ensure protection and confidentiality of the user ID and password at all times and any disclosure thereof shall be entirely at your risk and accept the sole responsibility to maintain the secrecy of all information of confidential nature and shall ensure that the same is not disclosed to any other person.
You agree that access to BuySellMF investment Account may be suspended / cancelled / terminated without liability, in whole or in part, at any time without prior notice if you do not comply with any of these Terms or any modifications thereof.
You agree and understand that no change of address, mobile no., e-mail id and / or bank details can be allowed for such accounts, unless a duly signed hard copy of such written request is sent to the AMC / CAMS / POS for signature verification and other formalities.

2. General Conditions

You grant authority to the Mutual Fund Distributor to process and transmit such request made by you through the BuySellMF Investment Account authenticated by the user ID and password and authorise Mutual Fund Distributor to execute your instructions with regards to purchase /redemption / switch/sell or other transactions/ activities in respect of mutual funds on your behalf, as may be instructed by you from time to time, on the terms and conditions mentioned herein.

You agree and confirm that Mutual Fund Distributor and / or its authorised representative is / are not in a position to verify that the dealings are indeed undertaken by you at the time of dealing through the BuySellMF Investment Account and Mutual Fund Distributor shall be not held responsible for any transactions arising out of the misuse of the password by any person other than you. You shall be responsible for the systems used by you with respect to dealings and for various security measures which you have to take to prevent unauthorised access to details relating to the dealing through the BuySellMF Investment Account, and Mutual Fund Distributor shall not be liable for any such unauthorised access.

You understand and agree that instructions given by you to Mutual Fund Distributor for transacting in mutual fund units will be forwarded by Distributor to the AMC in electronic log file format (‘Feed File’) and AMC will process the transaction on the basis of such Feed File only. And you hereby agree and consent to the transmission of data by electronic means through the BuySellMF Investment Account facility from the website.

You agree that the data and information provided by you pursuant to your dealing with Mutual Fund Distributor could be shared by Mutual Fund Distributor with its authorised agents, representatives, affiliates, group companies and subsidiaries for facilitating transaction processing, servicing, data processing, transaction statement generation and for contacting for new products and services including but not limited to marketing, cross selling, business activities and promotions or for generating reports, market research, customer study and for compliance with any legal or regulatory requirements. You agree that submission of a transaction request through the BuySellMF Investment Account facility shall not be deemed to be acceptance of the transaction by Mutual Funds or its RTAs and the transaction could be rejected if does not comply with the provisions of the Scheme Information Document of the respective Mutual Fund or for any other reason which Mutual Fund Distributor and / its authorised representatives/Mutual Funds/RTAs deems fit.

There is no guarantee for any returns on investments made in Mutual Fund scheme(s). Past performance mutual fund/schemes does not indicate the future performance of the schemes and may not necessarily provide a basis of comparison with other investments
Mutual fund and securities are subject to market risks and there can be no assurance that the objectives of the schemes will be achieved.
As with any investment in securities, the NAV of units issued under the schemes can go up or down depending on the factors and forces affecting capital markets. You agree and authorize Mutual Fund Distributor to communicate on your behalf with the AMC’s for financial and /or non-financial transactions and also authorize Mutual Fund Distributor/ Sub- Distributor for receiving the Client’s investment details from the AMC.
The transactions carried out through the BuySellMF Investment Account in Units of various schemes offered by the Mutual Funds shall be subject to the provisions contained in the respective scheme related documents including but not limited to Scheme Information Document and Statement of Additional Information or any addendum thereto.

You agree to comply with KYC (Know your Client/Customer) and KRA requirements as required under SEBI (KYC Registration Agency) Regulation 2011, SEBI Act 1992, Prevention of Money Laundering Act, 2002, all laws and regulations including but not limited to the Foreign Exchange Management Act, Reserve Bank of India (RBI) guidelines, to the extent applicable for availing the BuySellMF Investment Account Facility.

You acknowledge that dealing through the BuySellMF Investment Account will be at your own risks. You shall solely be responsible to evaluate all the risks arising out of the same. The risks would, inter alia include:

- Internet Frauds - The BuySellMF Investment Account may be susceptible to number of frauds, misuse, phishing, hacking and other actions, which could affect instructions sent to Prajna FinServ/its authorised representatives. There cannot be any guarantee from such internet frauds, phishing, hacking and other actions. The susceptibility of the BuySellMF Investment Account to virus(es) or other malicious, destructive or corrupting codes or programs. You agree that by use of this facility, you shall be deemed to have agreed and accepted all the terms and conditions and such terms and conditions shall be binding on you in the same manner as if you have agreed to the same in writing.

You further agree and acknowledge that the Mutual Fund/Asset Management Company will act only on the electronic transaction data forwarded by PRAJNA FINSERV and will be under no obligation to verify and/or confirm the authenticity of such transactions including the content, source etc. You hereby confirm that you will not hold the Mutual Fund/Asset Management Company liable and/or responsible for any loss/damage that you may incur as a result of any such improper use of your password/Investment Services Account.

You agree and acknowledge that the filling in of transaction data/instructions for onward forwarding to the Mutual Fund/Asset Management Company would require you to incorporate proper, accurate and complete details. In the event of your account receiving an incorrect credit by reason of a mistake committed by any third party, the concerned mutual fund / asset management company or the bank shall be entitled to reverse the incorrect credit at any time without your consent. You shall be liable and responsible to PRAJNA FINSERV/ concerned mutual fund / concerned asset management company for any unfair or unjust gain obtained by me/us as a result of the incorrect credit.

The mutual funds / asset management companies may at its discretion not give effect to your transactions where the mutual fund / asset management companies have reasons to believe (which decision of mutual fund / asset management companies, you shall not question or dispute) that the transactions are not genuine or are otherwise improper or unclear or raise a doubt. The respective mutual fund/asset management company shall not be liable for the loss of any opportunity costs incurred by you, if any transactions are not carried out for any reasons whatsoever. You understand that any payment made by you towards such transactions will be refunded to your account, after deduction of charges, if any. You understand that you may communicate directly with the Mutual Fund/Asset Management Company to resolve any clarifications that you may have pertaining to your investments in the Mutual Fund Schemes. In the event an Account is jointly held, You acknowledge that all instructions (including instructions for modification of this clause) shall be given only by the first holder of such Account, on behalf of all of you and for this purpose, The joint investors, irrevocably constitute the first holder above as your agent. All instructions given by the first holder above shall be binding on all of you as if given by each of you personally. You hereby authorize PRAJNA FINSERV to process and transmit such instructions given from time to time in relation to your transactions to the respective mutual funds / asset management companies. The mode of holding in all customer joint accounts is treated as "Anyone or Survivor".

3. Transaction Processing & Conditions

The on line requests will be executed based on the instructions of investors registered for - BuySellMF Investment Account facility. You agree and confirm that all the authorised and complete transactions will be processed at the applicable NAV (as defined in the Scheme Information Document of respective schemes of Mutual Funds) subject to receipt of funds and acceptance of your transaction by the Mutual Funds/ RTAs.

You agree not to hold Mutual Fund Distributor / its authorised representatives liable for any loss that may arise to you as a result of the incorrect NAV applied on units allotted to you by the Mutual Fund.
The money debited from your Bank Account shall be collected in the pool account of the third party service provider and from there it will be credited / transferred to the respective Mutual Funds either on the same day (in case the order is placed before the cut off time) or the next working day (in case the order is placed after the cut off time). Hence, you agree, understand and acknowledge that there would be an interim time lag in transferring / crediting the money from the pool account of the third party service provider to the respective Mutual Fund account.

You agree that when subscription for mutual fund units are remitted through joint bank accounts of investors, the default option for applying for mutual funds unit would be in the joint names of all the account holders of the bank account. If the payment is not made from a Registered Bank Account or froman account not belonging to the first named unit holder, your transaction will be rejected. Additionally, investors shall also have an option to apply for units in single name of any one or more names of the joint account holders of the bank account with nomination facility subject to terms and conditions of the relevant SID. You agree that in joint account holding, decision of First holder as mentioned above in clause 2 is binding on others.

The units of the schemes shall be allotted, redeemed or switched, as the case may be, at the Net Asset Value (NAV) prevalent on the date of the transaction request by the Mutual fund, if the request for purchase, redemption or switch is placed before the cut-off time.
You agree that any transaction request falling due on a holiday or after the cut off time mentioned on the website would be processed on the next working day and respective NAV would be applicable as per the Mutual Fund's Scheme Information Document. The cut-off timings will be prior to the statutory cut-off timing specified under the SEBI Regulations and the Scheme Information Document for operational convenience.

Holiday means banking holidays as applicable in Mumbai, India. The transactions once placed cannot be cancelled. In respect of purchase of units of mutual fund schemes (other than liquid schemes), the closing NAV of the day on which the funds are available for utilization shall be applicable for application amount equal to or more than Rs 2 lakh or such other value as may specified from time to time, irrespective of the time of receipt of such application.

Mutual Fund Distributor /its authorised representative/service provider does not take any Responsibility for any delay in acceptance /execution or non-execution /rejection of the order by the AMC. Once the information is provided by the Mutual Funds for the rejection and Investor will be informed accordingly. You agree that there may be a time lag between the time a transaction is completed and before the same is updated in the records of Mutual Fund Distributor /its authorised representatives/service provider.

There may be a possibility of variances in values arising out of delayed data feeds, transmission losses in electronic data, electronic fund transfer etc. for which Mutual Fund Distributor /its authorised representatives/ shall not be liable.
You agree to maintain clear balance in your Bank Account at all times to cover the purchase price and other costs and charges / quantity of units. You are advised to check your daily fund transfer limits with your Bank before placing the purchase transaction / units held in the particular scheme before placing a redemption request.

In absence of sufficient funds (in case of purchase) / lesser quantity of units (in case of sell/ switch), Mutual Fund Distributor /its authorised representative/service provider shall not be responsible for the non execution / rejection of your instructions.
In case of Redemptions, if the number of Units held by the Customer as per the records maintained by AMC and/or the Authorized Registrar is less than the number of Units requested to be redeemed, then the available units will be redeemed. Wherever redemption of "all" units is specified in the request, all Unit holdings in that Scheme shall be redeemed. All Redemptions shall be subject to the provisions mentioned in the respective Offer Document / Scheme Information Document and addenda thereto issued from time to time.

You agree that the payment for the transactions undertaken by you through the BuySellMF Investment Account will be facilitated through a payment gateway and the Mutual Fund Distributor/ its authorised representatives/ service provider shall not be liable for any failures in the link or for any fraud (either payment gateway? s and/or bank? s end) that could take place at the time of at the time of making payment and you shall inform Mutual Fund Distributor /its authorised representatives/ service provider immediately if the your bank account is debited and wherein corresponding Units have not been allotted.
In case of rejection of your purchase request by the mutual fund, the amount will be credited into your bank account only after the receipt of the refund from the relevant Mutual Fund.

Redemption proceeds and dividend payouts shall get credited directly by the AMC into your bank account provided at the time of registration for BuySellMF Investment Account facility. Provided, the bank account provided by you is from the list of banks with which the Mutual Fund has a direct credit arrangement. The list of such banks is mentioned in the Scheme Information Document or Key Information Memorandum (KIM) cum common application form of the respective Mutual Fund.

All the purchase transactions pertaining to mutual funds made on the website shall be allotted an online folio number and you will be able to access the transaction account statement in electronic format. You will receive the Accounts Statements directly from the AMCs/RTAs. You agree and acknowledge that transactions done through BuySellMF Investment Account facility will be tagged with the Broker Code of PRAJNA FINSERV (ARN-74461). The Customer has unfettered and unrestricted access to the Mutual Fund/ AMC and can transact in the same folio for financial / non-financial transactions without routing the transaction(s) through the Mutual Fund Distributor.

In the event of the termination of the agreement of PRAJNA FINSERV with the Mutual Fund/AMCs, you would not be allowed to execute through the website any transaction including but not limited to a transaction for Purchase, Redemption, etc of the Units of that Mutual Fund. In such cases, the Mutual Fund Distributor will pass on / make available all your details to the Mutual Fund/AMCs, as are required by them to enable you to deal and interact directly with the AMCs/Mutual Fund from the date of such termination.

The payment gateway used for online subscription of units could also include debit card/IMPs. Such facility is enabled through third party technology service provider and would be available for selects banks and shall be subject to such conditions and limitations as may be applicable from time to time. You may get a levy/ charges separately by your bank which you must check before availing this facility. However, credits card will not accepted for purchase of mutual funds. There may be applicable exit load/any other charge levied by the Mutual Funds will be chargeable in accordance with the Scheme Information Documents(SID) /Key Information Memorandum (KIM) and addendums issued thereto from time to time (collectively referred to as "scheme related documents"). You shall read all the scheme related documents before investing.

Investments from residents in the United States of America and Canada are not permitted for certain mutual funds. Mutual Fund Distributor shall not be liable for rejections of such applications by Mutual Funds, where investor is an US and Canada resident.

BuySellMF Investment Account facility is not offered nor is the Fund managed or intended to serve as a vehicle for frequent trading that seeks to take advantage of short term fluctuations in the market, hence you agree and acknowledge that the Mutual Funds or its authorised registrars [RTAs] in it’s sole discretion may reject any purchase or exchange of Unit that it reasonably believes may represent a pattern of market timing activity involving the funds of the Mutual Fund.


4.Instructions for Nomination

1. Nomination shall be mandatory for new folios/accounts opened by individuals especially with sole/single holding and no new folios/accounts for individuals in single holding shall be opened without nomination. However, in case investors do not wish to nominate must sign separately confirming their non-intention to nominate, failing which the form may be rejected at the discretion of the AMC/Mutual Fund.
Unit holder can nominate (in the manner prescribed under the SEBI Regulations), maximum upto 3person(s) in whom the Units held by him/her shall vest in the event of his/her death. It shall be mandatory to indicate clearly the percentage of allocation / share in favour of each of the nominees against their name and such allocation / share should be in whole numbers without any decimals making a total of 100 percent. In the event of the Unit holders not indicating the percentage of allocation / share for each of the nominees, the AMCs, by invoking default option shall settle the claim equally amongst all the nominees. In case of more than one nominee, please obtain additional form as available on the website and follow the instruction for providing the nomination details therein.

Nomination made by unit holder shall be applicable for investments in all the Schemes in the folio or account and every new nomination for a folio or account will overwrite the existing nomination. Thus, a new nomination request will imply simultaneous cancellation of existing nomination and request for fresh nomination.

The nomination can be made only by individuals applying for / holding units on their own behalf singly or jointly in favour of one or more persons. Non-individuals including society, trust, body corporate, partnership firm, Karta of Hindu Undivided Family, holder of Power of Attorney cannot nominate. Nomination form cannot be signed by Power of attorney (PoA) holders.
In case a folio has joint holders, all joint holders should sign the request for nomination / cancellation of nomination and submit the same in physical form, even if the mode of holding is not "joint".

A minor can be nominated and in that event, the name and address of the guardian of the minor nominee shall be provided by the unit holder. The Applicant is advised that, in case of Single Holding, the Guardian to a Minor Nominee should be a person other than the Applicant.

Nomination can also be in favour of the Central Government, State Government, a local authority, any person designated by virtue of these offices or a religious or charitable trust. The Nominee shall not be a trust (other than a religious or charitable trust), society, body corporate, partnership firm, Karta of Hindu Undivided Family or a Power of Attorney holder. A non-resident Indian can be a Nominee subject to the exchange controls in force, from time to time. Nomination shall not be allowed in a folio/account held on behalf of a minor.

Nomination in respect of the units stands rescinded upon the transfer of units. Transfer of units in favour of a Nominee shall be valid discharge by the AMC against the legal heir.

The cancellation of nomination can be made only by those individuals who hold units on their own behalf single or jointly and who made the original nomination. On cancellation of the nomination, the nomination shall stand rescinded and the AMC shall not be under any obligation to transfer the units in favour of the Nominee

HDFC Mutual Fund requires a physical nomination form to be sent to them to add nominees against your investments. If you need to add nominee(s) for investments with HDFC Mutual Fund, a physical nomination form signed by all the account holders is required.

5. Indemnification

You agree to keep indemnified and hold Mutual Fund Distributor / its authorised representatives, service providers, Mutual Funds, Asset Management Companies and their officers and agents free and harmless at all times, against all monetary and other harm, injury, costs, losses, liabilities, damages, charges, actions, legal proceedings, claims and expenses and consequences including without limitation any costs between attorney and client, whether direct or indirect, by reason of using BuySellMF Investment Account facility and/or doing and/or omitting to do anything in accordance with the Terms specified herein or any instructions relating to the online dealing in mutual funds through BuySellMF Investment Account.

You agree that Mutual Fund Distributor / its authorised representatives/service providers, Mutual Funds, Asset Management Companies and their officers and agents are not liable for any loss caused through a fall in value of investments / NAV etc which can go up or down depending on the factors and forces affecting capital markets or any indirect, special or consequential loss you might suffer.

You agree not to hold Mutual Fund Distributor / its authorised representatives/service providers liable for any loss or damage caused by reason of failure / refusal or delay of the mutual fund to deliver any units purchased even though payment have been effected for the same or failure / refusal or delay in making payment in respect of any units sold though they may have been delivered and you shall save Mutual Fund Distributor / its authorised representatives/service providers harmless and free from any claim in respect thereof. Mutual Fund Distributor / its authorised representatives/service providers shall also not be liable for any delay, failure or refusal of the Mutual Funds or its authorised agent / RTAs in registering or transferring units to your names of for any interest, dividend or other loss caused to you arising there from. Mutual Fund Distributor / its authorised representatives/service providers shall not be liable for any delay / refusal / non-payment of any proceeds on redemption or dividend payouts by the Mutual Funds to your accounts for any reason whatsoever.

You agree and undertake not to hold Mutual Fund Distributor / its authorised representatives/service providers for the following: any delay or failure in processing the transactions carried out by you due to any system failure or for any other reason whatsoever. for any loss or damage incurred or suffered by you due to any error, defect, failure or interruption in the dealing arising from or caused by any reason whatsoever.

for any fraud, negligence/mistake or misconduct by you including failure to comply with the KRA/KYC norms or provision of a valid PAN or PMLA requirements. for any breach or non-compliance by you of these Terms.

for not permitting you to deal after such reasonable verification as Mutual Fund Distributor /its authorised representative may deem fit. for permitting any person who provides Mutual Fund Distributor / its authorised representatives/service providers with the password to deal with BuySellMF Investment Account. Mutual Fund Distributor / its authorised representatives/service providers shall be under no obligation to further ascertain your identification at the time of transactions.

for any loss or damage incurred or suffered by you due to withdrawal or termination or suspension of the dealing facility arising from or caused by any reason whatsoever.

You agree that this undertaking shall be valid until such time you have not expressly informed in writing that you do not wish to deal or transact any longer and it shall be also valid in respect of any claims made on account of or relating to your dealing with Mutual Fund Distributor .

If the foregoing limitation is held to be unenforceable, the maximum liability of Mutual Fund Distributor / its authorised representatives/service providers to you shall not exceed the amount of convenience fees / service charges paid by you for availing the services through the Website

6. Suspension & Termination

The BuySellMF Investment Account facility / services may at any time be suspended / disallowed /modifed for such reason and for such time period as deem fit like inactive / dormant user id, non- compliance of the terms stated herein, death, insolvency, bankruptcy of the investor, any other cause arising out of the operation of law or such other reason as deems proper.

BuySellMF Investment Account facility may be terminated by giving you 30 days intimation/notice to your registered e-mail id or by way of SMS to your registered phone number. You may terminate the dealings at any time by giving prior written notice or deactivation of your user id and password. In the event of termination for any reason whatsoever, you shall be liable to pay all outstanding charges and dues, if any.

The BuySellMF Investment Account facility will also be automatically suspended if the customer ceases to be a registered user of www.BuySellMF.com. In case you cease to be a Investor/Customer of Mutual Fund Distributor then all your details will be provided to the Mutual Fund/AMCs and as are required by them to enable you to deal and interact directly with the AMCs/Mutual Fund Notwithstanding anything stated above, kindly note that you have unfettered and unrestricted access to Mutual Fund/AMC and you may approach the Mutual Fund/AMC directly any time.

7. Amendments

These terms and conditions may be amended for such reason as deem fit and proper including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the services, company re- organisation or Investor requirements

8. Intellectual Property Rights

All rights to this Website, the content displayed on the website and / or for providing BuySellMF Investment Account facility and/or technology (in any form) made available to you as a part of or in conjunction with the Services are the intellectual or proprietary property of the Mutual Fund Distributor . These intellectual property in all material provided on the website (excluding any applicable third party materials) is held by Mutual Fund Distributor unless otherwise stated. Except as expressly permitted herein or on the website, none of the material provided on the website may be copied, reproduced, distributed, republished, downloaded, displayed, posted, transferred or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of the Mutual Fund Distributor. Further, you shall not transfer, reverse engineer, decompile, disassemble, modify or create derivate works based on the materials provided on the Website. The copyright, trademarks, service marks, registered designs, database rights, patents and all similar rights in and relating to the website arising or subsisting in any country in the world and the information contained in it are owned by Mutual Fund Distributor, its licensors or relevant third party content providers. Nothing on the website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademark displayed on the website without the written permission of Mutual Fund Distributor or its relevant affiliate. You also agree not to use any information available on the website for any unlawful purpose, and you shall comply with all instructions and directions issued if any to protect the respective rights in the information.

9.Disclaimer

Mutual Fund investments are subject to market risks, read all scheme related documents carefully before investing.

The data, reports and information provided on the website does not constitute an investment advice and therefore should not be relied upon while taking investment decisions. You are therefore advised to obtain applicable legal, accounting, tax or other professional advice or services before taking an Investment decision.

The transaction execution services and the data, reports and information and recommendations, if any provided are incidental to the distribution services of the Mutual Fund Distributor and shall not in any manner be constructed as offering of any kind of investment advisory services or any kind of legal, tax or financial advice. Further it shall also not mean that any of Mutual Fund Distributor? s employees or associates have been in any way involved in your decision making process. The investment decision, if any, will be taken by you in your sole and absolute discretion.

All benefits on investments will be as per the provisions of Income Tax Act 1961 as amended from time to time.

This service does not constitute an offer to buy or to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.

Mutual Fund Distributor/its authorised representative/service providers is not responsible for any omissions, errors or investment consequences arising from the use of the materials available on the website . Whilst every reasonable precaution has been taken to ensure the accuracy, security and confidentiality of data and information available through the BuySellMF Investment Account, the Mutual Fund Distributor/its authorised representative/its service provider shall not be held responsible for any consequence of any action carried out by you.

The services/facility may suspend or withdrawn at any time, and you acknowledge that the BuySellMF Investment Account facility is also subject to interruption..

While PRAJNA FINSERV shall act as a principal ARMFA, BuySellMF Investment Account facility is enabled on the website of Prajna FinServ Pvt Ltd, acting as a sub-distributor of PRAJNA FINSERV and BuySellMF Investment Account is linked to the backend infrastructure of a third party service provider / Bank etc. You acknowledge and agree that the Website and the linked backend infrastructure may be inaccessible and/or unavailable at times. In such an event Mutual Fund Distributor will not be liable for any damage, liability, action, cause of action, suit, claim, demand, loss, cost, and expense arising directly or indirectly from or in connection with such system inaccessibility and/or unavailability.

The Mutual Fund Distributor makes no express or implied warranty: a. that the dealing through the BuySellMF Investment Account will be uninterrupted or free from errors or that any identified defect will be corrected; b. that the BuySellMF Investment Account service is free from any virus or other malicious, destructive or corrupting code, program; c. in relation to non-infringement of any third party rights, merchantability, satisfactory quality or fitness for a particular purpose.

Mutual Fund Distributor/its authorised representative and its service provider shall not be liable for any loss or damage or other consequences arising from any suspension, breakdown, withdrawal, interruption, technical flaw, the presence of virus or other malicious, destructive or corrupting code, programs over the BuySellMF Investment Account or otherwise and any consequent delay or failure in completion of any payment or other instructions as a consequence thereof arising from the use or inability to use the BuySellMF Investment Account.

Mutual Fund Distributor/its authorised representative and its service provider shall not be liable for any failure to perform any of its obligations or service standards etc if the performance is prevented, hindered or delayed by a Force Majeure Event, which includes any event due to any cause beyond the reasonable control including, without limitation, unavailability of any communication system including Internet, breach or virus in the processes or payment mechanism, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to computer data and storage devices, computer crashes, breach of security and encryption codes.

PRAJNA FINSERV inter-alia being engaged in the distribution of Mutual Fund Schemes receives commission from AMCs.

10. Confidentiality

Mutual Fund Distributor shall make reasonable efforts to keep all the information relating your dealings through BuySellMF Investment Account confidential. Provided however that the Mutual Fund Distributor shall be entitled to disclose any information or particulars pertaining to you to any authority, statutory or otherwise as may be required by law or third party service provider required to effect the transactions requested by you.

11. Governing Law and Jurisdiction

In case of any dispute, either judicial or quasi-judicial the same will be subject to the exclusive jurisdiction of the courts in Mumbai. These terms shall be construed in accordance with the laws prevalent in India and are subject to SEBI guidelines, circulars, press releases or notifications that may be issued by SEBI from time to time or the Government of India, to regulate the activities of Mutual Fund Distributors.

12. T&C for Online Systematic Investment Plans (SIP) through NACH/ECS mandate

You understand and acknowledge that there could be a minimum time gap of atleast 30 days from the date of submission of physical mandate, to enable the activation / registration of online SIP facility, subject to the successful validation of the mandate by the Banks. Likewise there shall be a minimum gap of alteast 30 days from the date of receipt of SIP deactivation mandate and last investment made under SIP.

Upon successful registration of mandate, you can start the online SIP facility for making investment in mutual funds a fixed amount of money at a fixed frequency of time based on your convenience and choice.

You grant Authority to Mutual Fund Distributor / its authorized transaction and payment processing service provider (third party service provider) to debit your registered Bank Account through RBI’S ECS (Electronic Clearing System) mechanism or National Payments Corporation of India’s NACH (National Automated Clearing House) to enable the collection of the SIP installments and transferring to the respective AMC? s bank account. The conditions related to NACH are applicable as and when such a facility is made available.

You agree and acknowledge that in order to enable you to get the NAV on the SIP date (T date) chosen by you, debit of the SIP amount from your Bank Account shall happen few days prior to the SIP date (T). e.g. T-2, T-4 etc., depending upon ECS / NACH debit cycle of your Bank, which could vary from location to location, as per ECS / NACH mechanism. You understand and acknowledge that, Prajna FinServ/ its third party service provider shall do a backward calculation from T date and depending upon ECS / NACH debit cycle, your account will be debited on T - no. of days, such that on T date (SIP day), the funds reach the respective AMC? s Bank account and the transaction data reach the respective registrar of AMC, to enable them to allot units as per NAV on T date.

You agree and shall ensure to keep sufficient funds available in your Bank account at least 7 days prior to SIP date (T date). You understand and acknowledge that SIP installment and allotment of units shall be subject to realization of funds. You shall not hold Prajna FinServ/its third party Service Provider liable, in case the SIP installment process could not be completed due to insufficient funds in your Bank account on any particular ECS / NACH debit cycle date i.e. on T - no. of days. In such case, the SIP installment shall lapse for that T of the month/quarter/half year/year as the case may be.

You agree, understand and acknowledge that in the entire process there would be an interim time lag in debiting the money from your Bank Account and the actual transferring / crediting to the respective AMC? s Bank account, as the money after the debited from your Bank Account shall be lying in the ECS / NACH debit cycle and / or third party pool account, before the actual transfer of funds to AMC? s bank account on SIP date.
You can view the units allotted by AMC/registrar on the next day of SIP date (i.e. SIP day + 1 working day).

You hereby grant an Authority to PRAJNA FINSERV / BUYSELLMF/ its authorized transaction and payment processing service provider (third party service provider) to debit your registered Bank Account through RBI’S ECS (Electronic Clearing System) mechanism or National Payments Corporation of India’s NACH (National Automated Clearing House) to enable the collection of Loan EMI’s, BuySellMF subscription Amount, Payment Bills, installment for FD’s and payments for other products as made available on www.BuySellMF.com from time to time and transferring the amount to the respective entity’s bank account. The conditions related to NACH are applicable as and when such a facility is made available.

13. Commission Disclosure

The selection of Mutual Funds recommended by BuySellMF / Prajna FinServ is not influenced by the commission earned. But BuySellMF Mutual Funds Selection for recommendation is purely based on Performance / Potential / Process / Objective / History of the Funds / AMC. Read more about BuySellMF Mutual Funds Selection process, diligence and care that we take at www.BuySellMF.com/BSMFpages/BuySellMF-Mutual-Fund-Research-Process.php But as a matter of good faith and to maintain the transparency, here’s a list of Mutual Fund Companies (AMCs) that we work with and the commission that we earn from them.

In accordance with the extant regulations (SEBI circular: SEBI/IMD/CIR No.4/168230/09) following are the indicative details of the comparative commission earned by PRAJNA FINSERV from various fund- houses, whose products are being distributed: (PRAJNA FINSERV / BUYSELLMF) would earn commission from PRAJNA FINSERV as per prevailing standards

These are derived rates to be received from the Asset Management Companies (AMCs). PRAJNA FINSERValso gets the reimbursements from AMCs towards promotion and marketing related activities if any conducted on behalf of AMCs. However, these reimbursements are event /activity based and the same may or may not be received from AMCs in a particular period. Further, since such activities may be carried out at AMC level, reimbursement amount received cannot be attributed to any specific scheme being offered by such AMCs. This above commission is subject to updation / change from time to time at a sole discretion and agreement between Prajna FinServ and the respective AMCs. Note: This information is subject to change from time to time as we add more Asset Management Companies to our list and as our contracts with them change. We shall try to keep this maintained upto date

Investment Services Agreement

A. I acknowledge that:
1. I have applied for an Investment Account after understanding the nature and scope of services ("Services") provided by Prajna FinServ Private Limited ("BuySellMF / Prajna FinServ").
2. This document is a legal contract between BuySellMF / Prajna FinServ and I ("Agreement") in relation to the Services. Clicking on the "I accept" checkbox is the legal equivalent of my manually signing this Agreement.
3. The operation of my investment account and the execution of instructions are subject to this Agreement, and the Offer Documents* of the respective Asset Management Company ("AMC"), BuySellMF / Prajna FinServ’s Privacy Policy, and BuySellMF / Prajna FinServ’s Terms of Use.
4. My identity on the Services is authenticated by the use of my E-mail address and password (collectively, "Login Credentials"). BuySellMF / Prajna FinServ will consider my investment instructions authenticated by my Login Credentials to have originated from me.
5. I have the right to transact directly with the AMC even in respect of the investments made through BuySellMF / Prajna FinServ. I have this right even after the termination of this Agreement.

B. Consent I hereby give my consent to BuySellMF / Prajna FinServ to contact me on issues relating to setup and operation of my Investment Account and to perform the following actions pursuant to my investment instructions:
1. To communicate with AMCs on my behalf for financial or non-financial transactions executed under this Agreement.
2. To verify my Aadhaar number and name against the Central Identities Data Repository maintained by Unique Identification Authority of India. This information is only used to verify my identity before I can start placing investment instructions through BuySellMF / Prajna FinServ. My biometrics will not be stored or shared.
3. To share my information with KRAs, AMCs and BuySellMF / Prajna FinServ’s service partners, for validation, to comply with legal and regulatory requirements and for the purpose of fulfilling its obligations under this agreement.

C. Under this Agreement, BuySellMF / Prajna FinServ will: 1. Offer scientifically selected mutual fund schemes.
2. Facilitate subscription and redemption of mutual fund units by transmitting my money and instructions to the relevant AMC.
3. Securely maintain a record of my personal information and my financial transactions.
4. Promptly and efficiently respond to my queries relating to my online investment account.

D. Under this Agreement, my obligations are to: 1. Provide accurate information and supporting documents to BuySellMF / Prajna FinServ for the creation and maintenance of my investment services account.
2. Ensure that the money I invest is from my bank account, is from legitimate sources, and is remitted through approved banking channels.
3. Keep my Login Credentials safe and secret. Promptly change my Login Credentials and inform BuySellMF / Prajna FinServ of any actual or suspected unauthorised use of my Login Credentials.
4. Make an informed investment decision by reading the Offer Documents* of the mutual fund schemes that I am investing in.
5. Seek independent financial planning, legal, accounting, tax or other professional advice before investing or withdrawing.

E. I further acknowledge and agree to the following: 1. I am aware that BuySellMF / Prajna FinServ is a distributor of mutual funds, registered with the Association of Mutual Funds in India and receives brokerage from AMCs. BuySellMF / Prajna FinServ has shared with me the details of the brokerage structure, available at: https://BuySellMF.com/BSMFpages/disclosures.
2. BuySellMF / Prajna FinServ does not, and is not obliged to, offer all mutual fund schemes for investment. By limiting the number of schemes on the Website, BuySellMF / Prajna FinServ does not make any representation as to the quality, bona fides or nature of any AMC or mutual fund scheme, or any other representation, warranty or guaranty, express or implied.
3. My Investment Account will be activated after BuySellMF / Prajna FinServ verifies my personal information in accordance with the Know Your Client ("KYC") guidelines issued by the Securities and Exchange Board of India ("SEBI").
4. My instructions will be processed the same day if received before the cut-off times specified by BuySellMF / Prajna FinServ. If not, they will be processed on the next business day. BuySellMF / Prajna FinServ may specify cut-off times earlier than the times specified by the AMC/SEBI.
5. For investments using ECS/ NACH/ Direct Debit, Scripbox will first submit the fund transfer instructions to my bank. My subscription request is sent to the AMC only after the money transfer to the AMC's account is confirmed. As a result, I understand that there may be a lag between the date of debit to my account and the date BuySellMF / Prajna FinServ submits my request to the AMC.
6. BuySellMF / Prajna FinServ will forward my instructions to the AMC electronically, and the AMC will process the transactions on the basis of such electronic instructions. AMCs are not obliged to accept my application for subscription to units of their mutual fund schemes in part or in full.
7. The data and information provided on the Website does not constitute advice and shall not be relied upon by me while making investment decisions.
8. In case I violate this agreement, or any local or international laws, BuySellMF / Prajna FinServ may, at any time and at its sole discretion, terminate my Investment Account and/or prevent me from accessing the Services.
9. BuySellMF / Prajna FinServ may modify these terms at any time by informing me. My continued use of the Services will imply my acceptance of the changes.

F. I will not dispute and/or hold BuySellMF / Prajna FinServ responsible for: 1. Any act that is not an obligation of BuySellMF / Prajna FinServ in this Agreement.
2. Any disclosures made by BuySellMF / Prajna FinServ to any statutory body under any law.
3. Any loss, notional or otherwise, incurred because of
A. Delays either at the Bank, Registrar and Transfer Agency or AMC.
B. Rejection of my instructions by the Bank, Registrar and Transfer Agency or AMC.
C. Processing of instructions authenticated by my Login Credentials.
D. Non-availability or non-accessibility of the Website, electronic payment gateway, telephone(s), or office(s) of BuySellMF / Prajna FinServ for reasons including those beyond BuySellMF / Prajna FinServ control.
E. Any inaccuracy or typographical error on the Website or the mobile application or any written, E-mail & SMS communication. BuySellMF / Prajna FinServ specifically disclaims any liability for such inaccuracies or errors.

G. Indemnity I agree to indemnify, defend, and hold BuySellMF / Prajna FinServ harmless from any liability, loss, claim, and expense, including legal fees, related to my violation of this Agreement.


H. Governing laws The laws of India govern this Agreement. All disputes are subject, firstly, to mediation, and then by Arbitration by a sole arbitrator appointed by BuySellMF / Prajna FinServ. The venue of arbitration will be Bengaluru.

I. Term and Termination This Agreement is valid for a continuous period unless I terminate it by deactivating my Investment Account or BuySellMF / Prajna FinServ deactivates my Investment Account for non-compliance with this Agreement or any applicable laws.

J. Effects of Termination BuySellMF / Prajna FinServ will continue to securely maintain a record of my personal information and my financial transactions to fulfill regulatory obligations. BuySellMF / Prajna FinServ will provide me details of the AMCs in whose mutual fund units I am invested in and will fulfill my redemption/transfer requests, if required.

K. SEBI Notification Mutual Fund investments are subject to market risks, read all Mutual Fund Scheme related documents carefully. The past results of Mutual Funds are not a guarantee to its future performance.
* Offer Documents: Collective term for Offer Document, Scheme Information Document, Statement of Additional Information, Key Information Memorandum, issued by the Asset Management Company that manages the mutual fund

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    Prajna Finserv Pvt. Ltd.
    #51, "HariPriya",
    7th Main, 2nd Cross,
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    Bengaluru - 560 085,
    Karnataka, India

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