Terms & Conditions

Welcome to FynnChintan Finserv (“FynnChintan Finserv”, “we”, “us” or “our”). This website, available at www.fynnchintan.in (“Website”), is owned and operated by FynnChintan Finserv. These Terms & Conditions (“Terms”), together with our Privacy Policy, Disclaimer and any additional terms applicable to specific services, govern your access to and use of the Website and the services made available through it (collectively, the “Services”). By accessing, browsing, submitting an enquiry through, or using the Website or Services, you acknowledge that you have read and understood these Terms and agree to comply with them.

For the purposes of these Terms:

• “FynnChintan Finserv” means FynnChintan Finserv and, where applicable, its proprietor, employees, representatives and authorized service providers.
• “User”, “you” or “your” means any person who accesses, browses, visits or uses the Website or Services.
• “Services” means the services offered by FynnChintan Finserv, including mutual fund distribution, investment-related information, financial education, financial goal-planning resources and related assistance, to the extent actually provided by FynnChintan Finserv.
• “AMC” means an Asset Management Company offering mutual fund schemes.
• “RTA” means a Registrar and Transfer Agent appointed to provide services relating to mutual fund schemes.
• “Third-Party Service Provider” means any external organization or service provider involved in delivering technology, hosting, communication, payment, transaction-processing or other relevant services.
• “Personal Information” means information relating to an identified or identifiable individual, as understood under applicable data protection laws.

FynnChintan Finserv is engaged in mutual fund distribution and related financial services. The Website may provide information about mutual funds, investment concepts, financial goals, financial planning, market developments, financial calculators, educational material and related services. Where available, FynnChintan Finserv may assist users with mutual fund onboarding, transaction facilitation, investment-related enquiries and other distribution-related processes through authorized channels.

The Website is not, merely by virtue of its availability, an offer to provide every financial product or service described on it. The availability of a service depends on its actual scope, applicable eligibility criteria and relevant legal and regulatory requirements. Unless separately authorized and appropriately registered, FynnChintan Finserv does not represent itself as a SEBI-registered Investment Adviser, portfolio manager, stockbroker or other regulated intermediary.

By using the Website, you confirm that:

1. The information you provide is accurate, complete and not misleading.
2. You will use the Website only for lawful purposes.
3. You will not impersonate another person or submit information without proper authorization.
4. You will comply with applicable laws, regulations and these Terms.
5. You will independently verify material information before making financial decisions.
6. You will notify us of material changes to information provided for a service, where relevant.

Certain financial products and services may have additional eligibility requirements. Transactions involving minors, legal guardians, non-resident investors or other specially regulated categories may be subject to additional procedures and documentation.

You may use the Website for lawful personal, informational and service-related purposes.

You must not:

• Use the Website for fraudulent, unlawful or unauthorized activities.
• Attempt to gain unauthorized access to our systems, servers, accounts or databases.
• Interfere with the security, integrity or functioning of the Website.
• Introduce malicious code, viruses or other harmful material.
• Scrape, copy or extract Website data using automated tools without authorization.
• Reproduce, distribute, modify or commercially exploit our content without written permission.
• Misrepresent your identity or authority.
• Use our Website to transmit spam, misleading solicitations or unlawful material.
• Circumvent technical restrictions or security controls.

We may investigate suspected misuse and restrict or suspend access where reasonably necessary, subject to applicable law.

We endeavour to provide useful and reasonably current information. However, financial information may change rapidly, and content may contain errors, omissions or outdated information. Content on the Website may include educational articles, general market commentary, product descriptions, historical performance, illustrations, calculators, news summaries and information obtained from third parties. Such information is provided for general informational purposes and should be verified against the latest applicable scheme documents, official disclosures or other authoritative sources before being relied upon.

Publication of information on the Website does not guarantee its accuracy, completeness, availability or suitability for a particular user.

FynnChintan Finserv may facilitate access to mutual fund schemes and related services through relevant AMCs, RTAs, transaction platforms and other authorized entities. Every investment and transaction remains subject to the applicable scheme documents, application requirements, KYC requirements, cut-off timings, payment confirmation, transaction-processing rules and other applicable conditions.

FynnChintan Finserv does not guarantee that any particular scheme, transaction or facility will always be available or that a transaction will be accepted or completed within a particular period. The AMC, RTA, payment service provider or transaction platform may reject, delay, reverse or otherwise process a transaction in accordance with applicable rules and procedures.

Any financial calculator, goal planner, projection, investment illustration or similar tool provided through the Website is intended to assist with general financial understanding. Calculations may rely on assumptions regarding investment amounts, investment periods, returns, inflation, taxes or other variables. Actual outcomes may differ materially from the results displayed.

Unless expressly stated otherwise, these tools do not constitute a guarantee, personalized investment recommendation or assurance of achieving a particular financial goal. You should review the assumptions used and independently assess whether the results are appropriate for your circumstances.

Certain Services may require identification details, PAN, KYC documentation, contact details, bank information or other information required for onboarding and transaction processing. You agree to provide accurate information and only documents that you are authorized to submit.

Where required, information may be shared with relevant AMCs, RTAs, KYC Registration Agencies, banks, authorized transaction platforms and other service providers to facilitate the requested service or comply with applicable legal requirements. Our collection and handling of personal information are explained in our Privacy Policy.

The Website may link to or rely on third-party websites, platforms, data providers, AMCs, RTAs, banks, payment providers or other external services. Such third parties operate under their own terms, policies and procedures. Their services may be unavailable, delayed or subject to technical limitations.

We do not control all aspects of third-party operations and cannot guarantee the accuracy, availability or security of third-party systems or information. Nothing in these Terms excludes responsibility that cannot lawfully be excluded.

Fees, charges, commissions, taxes, statutory levies, exit loads and other costs may apply depending on the relevant service, scheme or transaction. FynnChintan Finserv may receive distribution commissions or other permitted remuneration from AMCs or other relevant entities, subject to applicable requirements.

Where relevant, commission or remuneration arrangements will be disclosed in accordance with applicable law and regulatory requirements. Any applicable service fee charged directly to you will be communicated before the relevant paid service is undertaken, wherever required. The existence of a commission or other commercial arrangement does not remove the obligation to provide fair, accurate and non-misleading information.

We may communicate with you through email, telephone, SMS, WhatsApp or other available channels for enquiries, service updates, transaction information, educational material and promotional communications. Promotional communications may be opted out of through the available unsubscribe mechanism or by contacting us.

Necessary transactional, security, legal and regulatory communications may continue where permitted or required. Electronic communications may be delayed, misdirected or undelivered because of network, telecom, email-provider or other technical issues.

Unless otherwise stated, Website content, branding, logos, text, designs, graphics, articles, images, software and other materials are owned by or licensed to FynnChintan Finserv. You may access such materials for personal and lawful use. You may not reproduce, republish, modify, distribute, sell, license or commercially exploit them without prior written permission, except where permitted by law.

Third-party trademarks, logos and content remain the property of their respective owners.

We make reasonable efforts to maintain the Website but do not guarantee uninterrupted access or error-free operation. Access may be interrupted because of maintenance, technical failures, cybersecurity incidents, connectivity problems, third-party service interruptions or circumstances beyond our reasonable control.

You are responsible for maintaining the security of your devices and accounts and for avoiding disclosure of passwords, OTPs or other authentication credentials to unauthorized persons.

To the extent permitted by applicable law, FynnChintan Finserv shall not be liable for losses arising from reliance on general Website content, market movements, investment performance, third-party data errors, service interruptions or failures beyond our reasonable control.

Nothing in these Terms guarantees investment performance or makes FynnChintan Finserv responsible for market-related investment losses merely because information or distribution assistance was provided. Nothing in this clause excludes liability that cannot legally be excluded or limited.

To the extent permitted by law, you agree to indemnify FynnChintan Finserv against reasonable claims, liabilities, losses and expenses arising from your unlawful use of the Website, material misrepresentation, infringement of third-party rights or violation of these Terms. This clause does not apply to the extent a loss arises from conduct for which FynnChintan Finserv is legally responsible.

FynnChintan Finserv shall not be responsible for a delay or interruption caused by events beyond its reasonable control, including natural disasters, government action, civil disturbances, power or network failures, cyberattacks, banking-system failures or third-party platform outages. This clause applies only to the extent and for the period that the relevant event prevents or materially affects performance, subject to applicable law.

We may modify, suspend or discontinue Website features or Services for operational, security, legal or regulatory reasons. Where reasonably practicable, material changes will be communicated through the Website or other appropriate channels.

Discontinuing use of the Website does not automatically cancel an existing investment, reverse a transaction or discharge obligations arising under a separate agreement.

We may update these Terms to reflect changes in our Services, business operations, technology or applicable requirements. The updated version will be published on the Website with a revised date. Where required, material changes will be communicated through appropriate channels. Continued use after the effective date of revised Terms will be subject to the updated Terms, to the extent permitted by law.

These Terms are governed by the laws of India. Subject to applicable statutory remedies, regulatory grievance mechanisms and other mandatory dispute-resolution procedures, disputes shall be brought before the courts of competent jurisdiction in Gujarat, India.

If a provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue to apply to the extent permitted by law.

For questions, complaints or requests concerning these Terms or the Services, contact: