1) Introduction

  • By accessing and using the Umiya Finvest website, you agree to comply with these terms and conditions. If you disagree with any part, please discontinue use.

2) Use of Services

  • Our services are intended for lawful purposes only. Unauthorized use, including data mining or scraping, is strictly prohibited.

3) Account Responsibility

  • You are responsible for maintaining the confidentiality of your account information and for any activities that occur under your account.

4) Investment Advice Disclaimer

  • Information provided on this website is for general purposes only and does not constitute professional financial or investment advice. You should consult with a financial advisor before making any investment decisions.

5) Accuracy of Information

  • We strive to ensure that all information provided on our site is accurate and up-to-date. However, we do not guarantee the completeness or reliability of this information and are not liable for any errors or omissions.

6) Limitation of Liability

  • Umiya Finvest will not be held liable for any losses or damages arising from the use of our services or reliance on any information provided on our website.

7) Third-Party Links

  • Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of these external sites.

8) Intellectual Property

  • All content, including text, graphics, and logos on this website, is the property of Umiya Finvest and is protected by intellectual property laws. Unauthorized use is prohibited.

9) Privacy Policy

  • Please refer to our Privacy Policy for information on how we collect, use, and protect your personal data.

10) Amendments

  • Umiya Finvest reserves the right to update or modify these terms and conditions at any time without prior notice. Continued use of our website constitutes acceptance of any changes.

11) Governing Law

  • These terms and conditions are governed by the laws of India. Any disputes arising from the use of our services will be subject to the jurisdiction of the courts in Ahmedabad, India.

12) Contact Information

  • For any queries regarding these terms and conditions, please contact us at Umiyafinvest.com or 99049 46400.

Mutual Fund Disclaimer

Investments in mutual funds are subject to market risks. Please read all scheme-related documents carefully before investing. The value of investments can go up or down depending on various market factors, and past performance is not indicative of future results. Umiya Finvest does not guarantee any returns or protection of the principal amount invested. It is advised to consult with a financial advisor to understand the risks associated with mutual fund investments and to select funds that align with your financial goals and risk tolerance.

Specific Risk Factors

Investing in mutual funds involves several specific risks that investors should be aware of:

  1. Market Risk : The value of mutual fund investments can fluctuate due to changes in market conditions, such as economic downturns, interest rate changes, or geopolitical events.
  2. Credit Risk : In debt mutual funds, there is a risk that the issuer of a security within the fund may default on interest or principal payments, which could affect the fund's performance.
  3. Interest Rate Risk : Debt mutual funds are sensitive to interest rate movements. An increase in interest rates may lead to a decline in the value of the fund's holdings, particularly in long-term bonds.
  4. Liquidity Risk : Some mutual funds may invest in securities that are not easily tradable, leading to liquidity risk. This means that the fund may not be able to sell assets quickly without impacting the price.
  5. Concentration Risk : If a mutual fund invests heavily in a particular sector or asset class, it may face concentration risk. Adverse movements in that sector or asset class could significantly impact the fund's performance.
  6. Currency Risk : For funds that invest in foreign securities, there is a risk that fluctuations in exchange rates could impact the fund's returns.
  7. Reinvestment Risk : Reinvestment risk arises when the returns from the fund’s holdings are reinvested at a lower interest rate, potentially reducing the overall returns.
  8. Inflation Risk : The purchasing power of the returns generated by the mutual fund could be eroded by inflation over time.
  9. Regulatory Risk : Changes in laws, regulations, or government policies can affect the performance of mutual funds, especially those with exposure to specific industries.
  10. Sector-Specific Risk : Mutual funds focused on particular sectors (like technology or healthcare) may experience higher volatility and risk due to sector-specific challenges.

Regulatory Compliance

At Umiya Finvest, we adhere to all relevant regulations and guidelines set forth by the Securities and Exchange Board of India (SEBI) and the Association of Mutual Funds in India (AMFI). Our operations are fully compliant with the legal standards governing the distribution and management of mutual funds and other financial products. We ensure that all our services are transparent, ethical, and aligned with the best practices in the financial industry. Our commitment to regulatory compliance guarantees that your investments are handled with the utmost integrity and in accordance with the law.

 

Eligibility

To invest in mutual funds through Umiya Finvest, individuals must meet the following eligibility criteria:

  1. Age Requirement : Investors must be at least 18 years old. Minors can invest with a guardian's supervision and under a minor’s account.
  2. Residential Status : Indian residents, Non-Resident Indians (NRIs), and Persons of Indian Origin (PIOs) are eligible to invest, subject to applicable laws and regulations.
  3. KYC Compliance : Investors must complete the Know Your Customer (KYC) process, which includes submitting valid identification and address proof, as per SEBI regulations.
  4. Account Requirements : A valid bank account in India is required for processing transactions related to mutual fund investments.
  5. Tax Compliance : Investors must adhere to tax regulations, including the provision of PAN (Permanent Account Number) details for all transactions.
  6. Investment Knowledge : While not mandatory, it is advisable that investors have a basic understanding of mutual funds and associated risks, or seek guidance from a financial advisor.
  7. Financial Stability : Investors should ensure that they have sufficient financial resources and stability to invest in mutual funds, understanding that these investments carry inherent risks.

No Advice Disclaimer

The information provided by Umiya Finvest, including through our website, marketing materials, and communications, is intended solely for informational purposes and does not constitute financial, investment, or legal advice. While we strive to provide accurate and up-to-date information, it should not be considered as a recommendation to buy, sell, or hold any securities or financial products. Investors are encouraged to seek independent advice from a qualified financial advisor before making any investment decisions. Umiya Finvest does not take responsibility for any investment decisions made based on the information provided by us.