Terms & Conditions

These Terms and Conditions ("Terms") govern your use of the website InvestNashik.in and any services made available through it, operated by Govinda Wealth Solutions, represented by Ravindra Pansare, AMFI-registered Mutual Fund Distributor (ARN-274308 | EUIN-E516497), with office at Raygad Complex, Near Bus Stop, Thangaon, Sinnar, Nashik – 422103, Maharashtra, India.

By accessing this website or availing any service facilitated through it, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable Indian laws and regulations.

IMPORTANT RISK DISCLOSURE: Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future results. There is no guarantee or assurance of any return on investment.

1. Nature of Business — Distributor, Not Adviser

Govinda Wealth Solutions is a Mutual Fund Distributor registered with AMFI under ARN-274308. Ravindra Pansare holds EUIN E516497. This business is engaged exclusively in the distribution of mutual fund schemes of registered Asset Management Companies (AMCs).

• Govinda Wealth Solutions is NOT a SEBI-registered Investment Adviser under the SEBI (Investment Advisers) Regulations, 2013.
• No investment advisory services, portfolio management services, or research-based recommendations are provided through this website or otherwise.
• Any information shared during the course of distribution services is for the purpose of facilitating transactions and is not to be construed as investment advice.
• Investors are strongly advised to assess their own risk profile and consult a SEBI-registered investment adviser if they require personalised investment advice.
• The final decision to invest in any mutual fund scheme rests solely with the investor.

2. Risk Disclosure and Liability

By using this website or availing distribution services, you acknowledge and accept the following:

• Mutual fund investments are subject to market risks, including but not limited to fluctuation in NAV, credit risk, liquidity risk, and interest rate risk.
• No guarantee or assurance of returns is made or implied, whether expressed, written, or verbal, by Govinda Wealth Solutions or any of its representatives.
• No assurance of performance of any mutual fund scheme is given. Returns illustrated, if any, are indicative and based on historical data which may not be repeated.
• All investment decisions are solely the responsibility of the investor. Govinda Wealth Solutions shall not be held liable for any loss, damage, or diminution in value of investments.
• The website content, scheme information, calculators, and blog articles are for informational purposes only and do not constitute a solicitation, offer, or recommendation to buy or sell any security or scheme.
• Govinda Wealth Solutions relies on data provided by AMCs, CAMS, KFintech, and other third parties. Accuracy of such data is not guaranteed and users should independently verify information before acting on it.

3. Commission and Fee Disclosure

In accordance with SEBI and AMFI guidelines, Govinda Wealth Solutions hereby discloses the following regarding remuneration:

• The distributor may receive commissions, upfront fees, trail fees, or other remuneration from Asset Management Companies (AMCs) as per applicable SEBI and AMFI regulations.
• Such commissions are paid by the AMC out of the scheme's expense ratio and no direct fee is charged to the investor for distribution services in respect of regular plan mutual fund investments.
• Commission structures may vary across schemes and AMCs. Investors who wish to know the distributor's commission for a specific scheme may request this information in writing.
• Where applicable, trail commission may be received by the distributor on an ongoing basis for as long as the investor remains invested in the respective scheme.
• Charges, if any, applicable for ancillary services such as documentation support or form assistance will be communicated to the investor in advance at the time of service delivery.

4. Scope of Services

The services provided by Govinda Wealth Solutions are limited to the following:

• Distribution support only: Facilitating purchase, redemption, switch, and SIP registration transactions in mutual fund schemes through registered AMCs and their platforms.
• Assisting investors with completion of KYC documentation as mandated by SEBI/AMFI regulations.
• Providing scheme-related documents, factsheets, and other materials prepared and published by AMCs.
• Sharing general, publicly available information about mutual fund categories and scheme types for investor awareness purposes.

Services NOT provided: Govinda Wealth Solutions does not provide research services, customised portfolio recommendations, investment advisory opinions, or any service that would constitute investment advisory activity under SEBI (Investment Advisers) Regulations, 2013.

5. Investor Responsibilities

By using this website or availing services, you agree to:

• Provide true, accurate, current, and complete information as required for KYC and transaction processing.
• Ensure that all documents submitted are genuine and belong to you. Submission of fraudulent or incorrect documents may attract legal consequences under applicable Indian law.
• Read all scheme-related documents, including the Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM), before investing.
• Not use this website for any unlawful, fraudulent, or unauthorised purpose.
• Maintain the confidentiality of any login credentials or OTPs issued to you through any platform linked to your investments.
• Promptly inform the distributor of any change in your contact details or KYC information.

6. Limitation of Liability

To the fullest extent permitted under applicable Indian law, Govinda Wealth Solutions, its proprietor, employees, or associates shall not be liable for:

• Any loss of principal, returns, or profits arising from mutual fund investments made through or facilitated by this distributor.
• Any indirect, incidental, consequential, or punitive loss or damage arising from your use of or reliance on this website or its content.
• Errors, inaccuracies, or omissions in data or information sourced from AMCs, CAMS, KFintech, SEBI, or other third-party platforms.
• Delays, failures, or errors in transaction processing caused by AMC systems, banking infrastructure, or regulatory platform downtimes.
• Any action taken or not taken by you based on the information available on this website.

7. Website Use and Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Govinda Wealth Solutions or its content suppliers and is protected under applicable Indian intellectual property laws. Unauthorised reproduction, redistribution, or commercial use of website content is prohibited.

This website is provided on an "as is" and "as available" basis. No warranty, express or implied, is given regarding the accuracy, completeness, or fitness for a particular purpose of the information contained herein. The website may be subject to interruption, errors, or technical issues for which Govinda Wealth Solutions shall not be held responsible.

8. Regulatory Compliance

Govinda Wealth Solutions operates in compliance with the following regulatory frameworks:

• SEBI (Mutual Funds) Regulations, 1996, as amended from time to time
• AMFI Code of Conduct for Mutual Fund Distributors
• Prevention of Money Laundering Act, 2002 (PMLA) and related KYC/AML guidelines
• Information Technology Act, 2000, and IT (Amendment) Act, 2008
• All applicable circulars, guidelines, and directives issued by SEBI and AMFI

AMFI Registration: ARN-274308  |  EUIN: E516497  |  Distributor: Ravindra Pansare

9. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of India. Any dispute, claim, or controversy arising out of or relating to these Terms, or the use of this website or its services, shall be subject to the exclusive jurisdiction of the courts of competent jurisdiction located in Nashik, Maharashtra, India.

10. Amendments to These Terms

Govinda Wealth Solutions reserves the right to modify or update these Terms at any time to reflect changes in applicable law, regulatory requirements, or business practices. The revised Terms will be published on this page with an updated effective date. Continued use of this website or services after any such revision constitutes your acceptance of the updated Terms.