Terms and Conditions

1.Definitions and Interpretation

“AMC” means Asset Management Company managing mutual fund schemes available for investment through the Platform.

“AMFI” means the Association of Mutual Funds in India.

“API” means application programming interface.

“Company” or “We” or “Us” or “Our” or “Jarfin” means Jarfin Retail Private Limited, a company incorporated under the Companies Act, 2013, having its registered office at No. 752, Vasantham Building, 6th Block, 18th Main Koramangala VI Block, Bangalore, South Bangalore Karnataka, Bangalore – 560095, a mutual fund distributor registered with the AMFI having registration number ARN-282924.

“KYC” means know your customer process as mandated by SEBI, AMFI guidelines, and other applicable laws.

“NAV” means net asset value of a mutual fund scheme as declared by the AMC.

“Platform” means the ‘Sipse’ website and/or mobile application operated and managed by Jarfin for distribution of mutual fund schemes and related services.

“Payment Gateway” means the payment gateway integrated through payment gateway service provider for facilitating payment transactions between Investors and AMCs.

“RTA” means registrar to an issue and share transfer agent as defined under the SEBI (Registrars to an Issue and Share Transfer Agents) Regulations, 2025.

“Regular Plan” means a plan of a mutual fund scheme wherein investments are made through a distributor or intermediary, and which includes payment of distributor commission or trail fees.

“SIP” means Systematic Investment Plan.

“SEBI” means the Securities and Exchange Board of India.

“Services” means mutual fund distribution and related services provided through the Platform, including but not limited to facilitating purchase, redemption, and systematic investment plans in mutual fund schemes.

“User” or “You” or “Your” or “Investor” means any person or entity who accesses, uses, or registers on the Platform to avail the Services.

2.About Jarfin

Jarfin is an AMFI-registered mutual fund distributor facilitating Users to invest in select mutual fund schemes of various mutual fund companies.

AMFI Registration Number: ARN - 282924

Jarfin acts as a distributor/intermediary between the User and the AMCs. We enable Users to purchase and redeem units of various mutual funds, details of which shall be made available on the Platform, from time to time. All investments are made directly with the respective AMCs, and Jarfin merely facilitates such transactions on an execution-only basis.

The Platform is operated by Jarfin which provides the interface and technology infrastructure for the Platform. The Platform integrates with third-party service providers, which provide financial API platform services, payment facilitation through Payment Gateways, KYC integration with AMCs/ KYC registration agency (“KRA”), and access to the authorised point of acceptance for mutual fund transactions.

Mutual Fund Disclosure

Jarfin offers only Regular Plans and earns commission from AMCs when You invest in Regular Plans of mutual fund schemes. The commission rates vary across different AMCs and scheme categories. The selection and recommendation of mutual funds on the Platform is not influenced by the commission earned by Jarfin.

Details of the commission structure in respect of mutual fund products distributed through the Platform, in accordance with the AMFI Code of Conduct, is available at AMC Commission Structures (PDF).

Investors are strongly advised to carefully review all risk disclosures in the Scheme Information Document (“SID”), Statement of Additional Information (“SAI”), Key Information Memorandum (“KIM”), and other documents of the scheme before investing.

3.Acceptance of Terms

These Terms, together with the privacy policy (sipse.in/privacy) (“Privacy Policy”) and any other scheme-related documents, constitute a legally binding agreement between You and Jarfin. These Terms are an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made thereunder. This electronic record is generated by a computer system and does not require any physical or digital signatures.

The Platform (including the website and mobile application) is owned, operated, and managed by Jarfin.

By accessing, browsing, registering on, or using the Platform in any manner, You signify Your absolute and unconditional acceptance of these Terms. If You do not agree with any part of these Terms, You must immediately discontinue Your use of the Platform and the Services. Mere use of the Platform shall be construed as Your intent to contract and shall constitute Your binding obligations with Us.

By accessing or using the Platform, You represent and warrant that:

1. You are at least 18 (eighteen) years of age and are legally competent to enter into a binding contract under the Indian Contract Act, 1872. If You are not eligible to enter into contract, then you must discontinue use of the Platform and leave now. If You are the parent or guardian of a child under 18 (eighteen) years of age, then by registering/by creating an account or profile on the Platform for such minor, You hereby provide Your express consent to Your child’s registration, and You agree to be personally bound by these Terms in respect of their use of Our Platform;
2. You are not prohibited by any law, order, or jurisdiction from using the Services or investing in mutual funds;
3. You shall comply with all applicable laws, including SEBI and AMFI guidelines, the Prevention of Money Laundering Act, 2002 (“PMLA”), and KYC norms;
4. all information provided by You is accurate, current, and complete; and
5. You have read, understood, and agree to be bound by these Terms and the Privacy Policy.

Jarfin reserves the right to modify, amend, or update these Terms at any time without prior notice. Any changes will be effective immediately upon being posted on the Platform. Your continued use of the Platform after any such changes constitutes Your acceptance of the revised Terms. It is Your responsibility to review these Terms periodically. The date of the last revision will be displayed at the top of these Terms.

4.Account Registration and KYC Compliance

Registration Process

User agrees and acknowledges that the Services provided herein are presently available in respect of selected mutual funds only with whom Jarfin has empaneled with and has entered into agreements as necessary. Jarfin reserves the right, in its sole discretion, to accept or reject any registration or account opening request without assigning any reasons thereof.

The Services are available to only those who have agreed to the Platform’s Terms by voluntarily registering and creating an account with Us. Accordingly, to use the Services, You must complete Jarfin’s registration process and create an account on the Platform. You must provide accurate, complete, and current information during the registration process, including but not limited to information as provided in the Privacy Policy.

We may also ask You to provide certain additional information about Yourself on a case-to-case basis. By providing such personal information, You consent to receive all information, communication, and instructions relating to the Platform, the Services offered by the Platform and/or third-party service providers.

You agree to promptly update Your account information if there are any changes. Jarfin shall rely on the latest information provided by You and shall not be liable for any inaccuracies therein. Failure to provide accurate information or to update changed information may result in suspension or termination of Your account. If You provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or if Jarfin has reasonable grounds to suspect that such information is untrue, inaccurate, being withheld or not current or incomplete, We have the right to suspend or terminate Your account and refuse any and all current or future use of the Platform (or any portion thereof) and its Services at our sole and absolute discretion, in addition to any right that We may have against You at law or in equity, for any misrepresentation or withholding of information provided by You.

In furtherance of the information requested above, the account creation or registration on the Platform is validated through a one-time password (“OTP”) sent to Your registered mobile number or such other methods as available on the Platform from time to time. Upon successful OTP verification (or other method validation), Your account is created, allowing You to avail the Services.

You shall solely be responsible for the appropriate use of the same. You shall immediately notify Jarfin of any unauthorized use/breach of Your password or account and ensure that You exit from Your account at the end of each session. Jarfin reserves the right to refuse service, suspend or terminate Your account, remove or edit content, or cancel orders in their sole and absolute discretion. Jarfin cannot and will not be liable for any loss or damage arising from Your failure to comply with these Terms. You may be held liable for losses incurred by Jarfin or any other User of or visitor to the Platform due to authorized or unauthorized use of Your account as a result of Your failure in keeping Your account information secure and confidential.

KYC Compliance

Your account will be activated only after successful completion of the KYC process and investment readiness verification in accordance with guidelines issued by SEBI, AMFI, and other applicable regulatory authorities. Notwithstanding the above, the Platform may permit You to initiate investment transactions while KYC verification remains pending. However, such transactions shall be processed and completed only upon successful KYC validation. In the event the KYC verification fails or is rejected, the corresponding transaction may also fail, be rejected, or not be processed. Jarfin shall not be responsible or liable for any failed, rejected, delayed, or unprocessed transactions arising on account of unsuccessful KYC verification or non-compliance by You with applicable KYC requirements. You acknowledge that Jarfin is merely a facilitator and not a SEBI-registered KRA or RTA.

Jarfin either through itself or through third-party undertakes the KYC process through one or more third-party technology and API service providers (“KYC Service Providers”), and may collect, verify, and process Your KYC information for this purpose. Jarfin shall transmit Your KYC details to such KYC Service Providers, technology service providers, AMCs, RTAs, trustees, KRAs, and/or the Central KYC Registry (“CKYC”), for the purposes of validation, authentication, and regulatory compliance.

By using the Platform, You authorize Jarfin to: (a) collect and share Your KYC information, documents, and signatures with relevant entities; (b) conduct In-Person Verification (IPV), including through digital or video-based methods, as may be permitted under applicable regulations; and/or (c) request additional documents or information as may be required to complete or update Your KYC.

You acknowledge that Your ability to transact is subject to Your KYC status (e.g., validated, registered, or on hold) as maintained by the KRAs. Jarfin shall not be liable for any losses or failed transactions or the rejection of Your KYC by any AMC/RTA.

You shall provide all KYC-related information and documents as may be requested. KYC validation may be undertaken through the relevant KYC Service Providers and/or validated with KRAs and/or the CKYC registry, as applicable.

Requests for updating or modifying KYC may be initiated through the Platform and shall be processed in accordance with applicable procedures, including transmission to the relevant entities for validation.

Subject to Section 3 of the Terms, the Platform supports account opening for individual investors. Certain AMCs may restrict investments from certain individual investors. Jarfin shall not be liable for rejection of applications by AMCs.

Nomination

In accordance with SEBI/AMFI mandates, You must register nominees for Your mutual fund investments as per the facility provided by the Platform and AMCs. If You do not wish to register a nominee, You shall be required to opt out of nomination through such mode and process as may be made available by the Platform and AMCs from time to time. Failure to register a nominee or opt out in the prescribed manner may result in rejection, Your inability to proceed further on the Platform, or the AMC freezing Your folio for further transactions.

5.Platform Services

Company, at any time and at its sole discretion, may change the specifications of any functionality/feature utilized by You on the Platform. Company will not be liable for any inconvenience caused due to such changes in or discontinuation of any functionality/feature. By registering on the Platform, Jarfin hereby grants You, a limited, non-exclusive, non-transferable, royalty free license to use the Platform for the purposes of availing the Services.

You hereby agree and acknowledge that the data and information provided on the Platform does not constitute investment advice, financial advice, tax advice, or advice of any nature whatsoever, and shall not be relied upon by You while making decisions. You acknowledge that You shall be solely responsible for any decisions and for availing any Service on the Platform. In no event shall Jarfin be liable to You for any loss or damage that may cause or arise from or in relation to these Terms and/or due to use of this Platform. As part of the Services provided to You, on availing such Services, You agree to provide honest feedback/review about the concerned Service, if required or requested by Jarfin from time to time. Jarfin may request Your feedback or reviews regarding the Platform from time to time, which You may provide at Your discretion.

You agree to use the Platform only: (a) for purposes that are permitted by the Terms; and (b) in accordance with any applicable law, regulations or guidelines. You agree that You shall not copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, alter, transmit, license, create derivatives from, transfer, or in any way exploit any part of any information, content, materials, services available from or through the Platform, except that You may download the Platform for Your own personal and internal use. You agree that You will not use the Platform in any manner or engage in any activity that may damage, disable or impair or adversely affect the use of the Platform or interfere with any other Users’ use, legal rights, or enjoyment of the Platform. Further, You agree not to remove any text, copyright, or other proprietary notices contained in the content downloaded from the Platform.

Further, while using the Platform, You undertake not to:

1. defame, abuse, harass, threaten, or otherwise violate the legal rights of others;
2. publish, post, upload, distribute, or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information;
3. copy, republish, post, display, translate, transmit, reproduce, or distribute any content on the Platform through any medium without obtaining the necessary authorization from Jarfin in writing;
4. conduct or forward surveys, contests, pyramid schemes, or chain letters;
5. upload or distribute files that contain software or other material protected by applicable intellectual property laws, unless You own or control the rights thereto or have received all necessary consents;
6. upload or distribute files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of the Platform or another’s computer;
7. engage in any activity that interferes with or disrupts access to the Platform (or the servers and networks which are connected to the Platform);
8. attempt to gain unauthorized access to any portion or feature of the Platform, any other systems or networks connected to the Platform, or to any of the Company’s server, or through the Platform, by hacking, password mining, or any other illegitimate means;
9. probe, scan, or test the vulnerability of the Platform or any network connected to the Platform, or breach the security, or authentication measures on the Platform or any network connected to the Platform.
10. reverse look-up, trace, or seek to trace any information on any other User, of or visitor to the Platform, to its source, or exploit the Platform or information made available, or offered by, or through the Platform, in any way whether or not the purpose is to reveal any information, including but not limited to personal identification information, other than Your own information, as provided on the Platform;
11. disrupt or interfere with the security of, or otherwise cause harm to, the Platform, systems resources, accounts, passwords, servers, or networks connected to, or accessible through the Platform, or any affiliated or linked sites;
12. collect or store data about other Users in connection with the prohibited conduct and activities;
13. use any device or software to interfere or attempt to interfere with the proper working of the Platform, or any transaction being conducted on the Platform, or with any other person’s use of the Platform;
14. use the Platform or any material or content for any purpose that is unlawful or prohibited by these Terms, or to solicit the performance of any illegal activity, or other activity which infringes the rights of the Company or other third parties;
15. falsify or delete any author attributions, legal or other proper notices, or proprietary designations, or labels of the origin or source of software, or other material contained in a file that is uploaded;
16. violate any applicable laws or regulations for the time being in force within or outside India, or anyone’s right to privacy or personality;
17. violate these Terms or the terms and conditions provided elsewhere, and/or reverse engineer, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell, any information or software obtained from the Platform.

6.Account Security and Login Credentials

You are solely responsible for maintaining the confidentiality and security of Your login account credentials (User ID, password, one-time passwords (OTPs), and any secondary authentication factors). You acknowledge that Jarfin shall never ask for Your password or sensitive credentials; any such request should be reported to Jarfin immediately. You shall be solely and fully responsible for all transactions and activities that occur under Your account, including those executed using Your credentials, irrespective of whether such transactions were actually authorized by You or not. Any instruction received by the Platform via Your credentials shall be deemed to have been sent by You, and Jarfin shall be entitled to act upon such instructions without further verification.

You acknowledge and accept the risks associated with online transactions, including the risk of hacking, phishing, malware, misuse, and unauthorized access to login credentials by third-parties. Jarfin shall not be liable for any losses or damages arising from unauthorized access to Your account resulting from Your negligence, sharing of credentials, or any compromise of Your personal device.

You must immediately notify in writing to Jarfin if You become aware of any unauthorized use of Your account or any breach of security. Upon receipt of such notice, Jarfin may, at its sole discretion, suspend Your account to prevent further unauthorized activity. Jarfin shall not be liable for any loss or damage arising from Your failure to maintain the security of Your credentials or from unauthorized access to Your account. You shall not share Your login credentials with any third-party or allow any third-party to access Your account.

7.Nature of Services

Mutual Fund Distribution Services

Product Offering: Jarfin facilitates investments in select categories of mutual fund schemes available on the Platform. Jarfin facilitates the following transactions through the Platform:

1. Systematic Investment Plan; and
2. Redemption of mutual fund units.

Jarfin does not deal in ‘Direct Plans’ of mutual fund schemes. All schemes offered through the Platform are Regular Plans which involve payment of commission to Jarfin from the AMCs.

Jarfin also facilitates the following non-financial services through the Platform:

1. KYC updation and modification;
2. account statement downloads;
3. portfolio tracking and reporting;
4. change of bank mandates/nomination facilitation; and
5. risk profiling and goal-based tracking.

Scope and Limitations of Services

Jarfin acts solely as a distributor/facilitator and does not:

1. manage, operate, or have any control over the mutual fund schemes;
2. guarantee any returns, dividends, or payouts from mutual fund investments;
3. guarantee liquidity, redemption, or repayment of units;
4. make any offer to buy back units;
5. subscribe to units or collect payments on behalf of Users;
6. redeem or sell units held by Users;
7. hold or manage User funds or units;
8. sign any documents on behalf of Users unless specifically authorized by an electronic mandate; or
9. collect, receive, or give receipts for dividends, interest, or income from units.

All mutual fund investments are made directly with AMCs. Jarfin shall not be liable or responsible for default, delay, failure, suspension, rejection, non-allotment, redemption delay, operational error or omission on the part of any AMC, RTA, KRA, bank, payment gateway, clearing corporation or other third-party service providers. Units are allotted by AMCs and not by Jarfin. Jarfin merely transmits transaction requests from Users to AMCs/RTAs and receives confirmation of unit allotment from AMCs/RTAs. Jarfin does not provide investment advisory services. Any information provided on the Platform is for informational purposes only and does not constitute investment advice.

Third-Party Integrations

The Platform may integrate with third-party service providers including but not limited to:

1. technology service providers;
2. Payment Gateways integrated through RTAs for facilitating Unified Payments Interface (“UPI”), net banking, debit card, and other payment modes;
3. financial intermediaries such as AMCs and their authorized RTAs and KRAs; or
4. network protocols.

All data displayed on the Platform including but not limited to NAV, scheme performance metrics, portfolio valuations, risk-o-meters, historical charts, and transaction status updates are sourced from AMCs and third-party vendors on an “as is” and “as available” basis. Jarfin does not independently verify the accuracy, completeness, or timeliness of such data. You agree that any investment decision based on such data is at Your own risk. Jarfin is not responsible for the services, content, accuracy, or performance of these third-party service providers.

You acknowledge that digital mutual fund transactions involve asynchronous communication between multiple servers. Jarfin shall not be held liable for transmission gaps, callback failures, and/or systemic outages. Jarfin is not responsible for the services, content, or performance of any third-party provider. Any loss including financial loss due to NAV fluctuations, failure to allot units, or rejected KYC resulting from an error, omission, or technical glitch at the end of a third-party partner is expressly disclaimed by Jarfin. Your use of third-party services (such as Payment Gateways) is additionally governed by the terms and conditions of those respective entities.

Further, the Platform facilitates the transmission of Your instructions through authorized technical infrastructure for the official time-stamping of transactions at the official point of acceptance (OPA) as designated by the respective AMC or its RTA. Jarfin shall not be liable for any losses, including fluctuations in the applicable NAV, resulting from system latencies, communication failures, or any delays in transmission between the Platform and the OPA.

By using the Platform, You provide Your express consent for Jarfin to transmit Your personally identifiable information (“PII”) and transaction instructions through secure APIs to its technology service providers and other regulated entities for the purpose of executing the Services.

Referral

Jarfin may, from time to time, introduce referral or invite-based programs on the Platform (“Referral Program”). Where such Referral Program is made available, Users may be permitted to refer other individuals to the Platform.

Jarfin reserves the right to determine eligibility, modify, suspend, or withdraw any Referral Program at any time, without prior notice or liability.

8.Investment Transactions

Purchase Transactions

You may place purchase orders for mutual fund units through the Platform by selecting the desired mutual fund scheme, plan, and investment amount. You acknowledge that Your order constitutes a request for facilitation and does not guarantee the allotment of units, which is the sole prerogative of the AMC. Minimum and maximum investment amounts are as prescribed by the respective AMCs in their SIDs.

In accordance with applicable laws, all purchase monies are moved directly from Your registered bank account to the AMC’s bank account or through a SEBI-recognized clearing corporation. Jarfin does not collect, hold, or pool User funds at any stage of the transaction.

Investors are strongly advised to carefully review all risk disclosures in the SID, SAI and KIM of the respective scheme before investing.

Cut-off Timing and NAV Applicability

NAV applicability for purchase and redemption transactions shall be as per the cut-off timings prescribed by SEBI and disclosed in the respective AMC’s SID. You acknowledge and agree that the Platform may have internal cut-off timings different than the statutory timings in order to facilitate the requisite technical processing, multi-stage data validation, and transmission of instructions across the entire transaction lifecycle involving various technical intermediaries, financial service providers, and regulatory infrastructure participants (including but not limited to technology service providers, payment aggregators, banks, clearing corporations, stock exchanges, and RTAs). Instructions received after the Platform’s specified internal cut-off, or instructions delayed due to system latencies or processing gaps across any intermediary in the transaction chain, shall be deemed received on the next business day and processed at the applicable NAV of such subsequent day. Jarfin shall not be liable for any losses or NAV fluctuations resulting from the time gap between the Platform’s internal cut-offs and the official time-stamping at the official point of acceptance.

The applicable NAV is determined by AMC based on:

1. time of receipt of purchase application on the Platform and at the official point of acceptance;
2. time when funds are realised and available for utilization by the AMC; and
3. scheme category (equity, debt, liquid, etc.)

The NAV information is sourced from the AMC’s website and the AMFI website (www.amfiindia.com). Jarfin is not responsible for inaccuracy, latency, or errors in NAV disclosure by AMCs or data vendors. In case of any discrepancy, the NAV recorded by the AMC/RTA at the time of allotment shall be final. Unit allotment is at the sole discretion of the AMC and Jarfin has no control over the same.

Systematic Investment Plan (SIP)

You may register for SIP to make regular investments in select mutual fund schemes at specified intervals (daily, weekly, monthly, quarterly, etc.). You authorize Jarfin to facilitate the registration of mandates (such as e-NACH or UPI Autopay) through its technology service providers. SIP registration is subject to minimum and maximum amount limits as prescribed by AMCs. You may pause, modify, or cancel Your SIP registration as per the procedures specified on the Platform and subject to AMC policies and statutory notice periods required by banks. Jarfin shall not be liable for failed SIP installments due to insufficient funds in Your bank account, bank/Payment Gateway failures, failure or rejection of the mandate by Your bank or the NPCI, glitches in the payment aggregator’s communication with the RTA or any other reason beyond Jarfin’s control.

Redemption Transactions

You may place redemption requests for Your mutual fund units through the Platform. All redemption requests are subject to authentication as mandated by SEBI, AMC policies, and other applicable laws. It is Your responsibility to ensure Your mobile number and email are updated with the RTA/AMC to receive authentication codes (OTPs).

Cut-off Timing and NAV Applicability: NAV applicability for redemption transactions shall be as per the cut-off timings prescribed by SEBI and disclosed in the respective AMC’s SID.

Exit Load: Exit load, if applicable and capital gains tax (including TDS for NRIs, where applicable), shall be deducted as per the AMC’s SID. Exit load varies by scheme category and holding period.

Redemption Timeline: Redemption proceeds shall be credited to Your registered bank account by the AMC within the timeline prescribed in the AMC’s SID. The timeline varies by scheme category. Redemption payments are processed solely by the relevant AMC (or its authorized service providers), and Jarfin does not receive, hold, process, or disburse redemption proceeds. Accordingly, Jarfin does not control or guarantee the timing of redemption payouts.

Transaction Confirmations and Statements

It is the obligation of the AMC, and not Jarfin, to send transaction confirmations, account statements, and other communications to You as per applicable law requirements. The transaction logs maintained by the AMC/RTA and the Consolidated Account Statement (“CAS”) shall be the final and binding record of Your investments.

Jarfin may provide a supplementary service layer for Investor convenience, including in-application updates, push notifications, emails, and SMS communications. Such communications are for informational purposes only and shall not be considered as official or authoritative records. In the event of any discrepancy or conflict between the information displayed on the Platform or communicated through such service channels and the records maintained by the AMC/RTA, the records of the AMC/RTA shall prevail.

You may view Your transaction history and portfolio and download account statements or CAS on the Platform. However, in case of any discrepancy, the records maintained by the AMC/RTA shall be final and binding.

9.Payment and Banking

Payment for Purchase Transactions

Funds for mutual fund purchases shall be debited directly from Your registered bank account through authorised electronic payments mechanisms facilitated by third-party service provider through integrated Payment Gateways. Supported modes may include but are not limited to:

1. UPI including UPI autopay;
2. net banking;
3. e-NACH/Physical Mandates; or
4. any other payment mode permitted by SEBI/AMFI and supported by the Platform from time to time.

Subject to Section 7 above, payment shall be made directly to the AMC bank account or to the SEBI-recognized clearing corporation (e.g., NSE Clearing/ICCL). Jarfin does not hold User funds at any point in the transaction lifecycle. You acknowledge that Jarfin has no access to Your bank account beyond the specific transaction instruction initiated by You.

You shall ensure that sufficient funds are available in Your bank account at the time of transaction. Jarfin shall not be liable for failed transactions due to insufficient funds, bank/Payment Gateway failures, technical issues, or any other reason beyond its control.

Refunds

In case of failed transactions where payment has been debited from Your account but units are not allotted by the AMC, the refund shall be processed by the AMC/RTA or the payment aggregator directly to Your registered bank account within the timelines prescribed under applicable regulations. Jarfin shall not be held liable or responsible for delays in refunds caused by intermediary banks, Payment Gateways, National Payments Corporation of India (NPCI), clearing corporations, or AMCs. Your sole recourse in such cases shall be against the respective entities responsible for the fund movement.

Bank Account Verification

You must link a bank account in Your name with Your account on the Platform. The Platform utilizes third-party API services to validate bank account ownership, including (but not limited to) by way of ‘Penny Drop’ verification, wherein a nominal amount may be transferred to the bank account provided by You in order to verify the account details and account holder name linked to such bank account. In cases where the name linked to the PAN does not match with the bank account holder name, the third-party API service provider may employ such other supplementary verification checks as may be considered necessary.

All redemption proceeds shall be credited by the AMC directly only to Your registered bank account as maintained in the RTA’s records. You are responsible for ensuring that the bank account linked with Jarfin matches the bank account registered with the AMC/RTA for the respective folio. You may update Your bank account details by submitting the required documents as per statutory procedures. Jarfin reserves the right to verify the authenticity of bank account changes before transmitting the request to the RTA.

10.Fees and Charges

Platform Fees

Currently, Jarfin does not charge any Platform fees, technology fees, setup charges, or transaction charges to Users for using the Platform and availing the Services. Jarfin reserves the absolute right to introduce or modify fees and charges for the use of the Platform or specific features with a reasonable prior notice to Users. Such notice may be provided via email or a notification on the Platform. In the event of introduction of Platform fees, You shall have the option to discontinue the Services without incurring any fees, except for any statutory charges or AMC-level loads etc.

Mutual Fund Charges

Mutual fund investments are subject to charges levied by AMCs as disclosed in the Scheme Information Document (SID), Key Information Memorandum (KIM), and other scheme-related documents, including:

1. base expense ratio (BER) and brokerage and transaction costs (if applicable);
2. exit load (if applicable);
3. securities transaction tax (STT), (if applicable); and
4. goods and services tax (GST) on total expense ratio, (if applicable).

You are advised to read all scheme-related documents and disclosures carefully before investing.

Taxes

You are responsible for all taxes applicable to Your mutual fund investments, including capital gains tax and any other taxes as per applicable laws. You should consult Your tax advisor for tax implications of Your investments.

By using the Platform, You acknowledge that Jarfin receives trail commission from AMCs for Regular Plans as disclosed on the Platform. This commission is paid by the AMC out of the management fees charged to the scheme and is not a direct charge to You by Jarfin. In the event of an early redemption resulting in a claw back of commission by the AMC, Jarfin shall not be liable for any perceived loss of value to the Investor.

11.Fraudulent Transactions and Reversals

Chargeback and Reversals: You agree that mutual fund transactions are not subject to “chargebacks” or reversals through Your bank once the instruction is transmitted to the official point of acceptance. Any attempt to reverse a payment after units are allotted shall be treated as a material breach.

Detection: Jarfin and its technical partners may employ fraud detection logic. If a transaction is flagged as suspicious, Jarfin reserves the right to delay the transmission of the instruction to the AMC for further verification.

12.Disclaimer of Investment Advice

Jarfin is NOT a SEBI-registered Investment Adviser and does not provide any investment advice, recommendations, or portfolio management services. Accordingly, Jarfin does not provide holistic investment advice, financial planning, or portfolio management services.

All information, data, scheme comparisons, graphical representations, calculators, goals tracking tools, and other content available on the Platform are for informational and educational purposes only and do not constitute investment advice, recommendations, or solicitation to invest in any particular mutual fund scheme.

Any scheme recommendations provided on the Platform are ‘Incidental Advice’ under SEBI requirements and such recommendations are limited to a curated list of mutual fund schemes based on a generic assessment of risk profiles and suitability and are intended solely to assist You in making an informed choice.

For transactions where You choose schemes independently without seeking guidance from the Platform, the relationship shall be ‘execution only’. You acknowledge that in such cases, Jarfin has not assessed the suitability of the investment for You, and You shall be solely responsible for the outcome.

YOU ARE SOLELY AND ENTIRELY RESPONSIBLE FOR YOUR INVESTMENT DECISIONS. You should evaluate the risks, returns, costs, and suitability of any investment based on Your own financial situation, investment objectives, and risk tolerance. Any information, recommendation, or advice inadvertently provided by any employee or representative of Jarfin shall be in their personal capacity, and Jarfin disclaims all liability arising therefrom. Jarfin shall not be liable for any capital loss or diminution in the value of Your investments.

You are advised to consult a SEBI-registered Investment Adviser or financial planner before making any investment decisions. You acknowledge that alternative financial products not offered on the Platform (including schemes from other AMCs, other types of mutual fund schemes, bank deposits, fixed deposits, and other investment products) are available in the market and may be considered independently before making any investment decision.

13.Risk Disclosures

General Investment Risks

Mutual fund investments are subject to various risks including but not limited to credit risk, interest rate risk, liquidity risk, regulatory risk, scheme-specific risk. Returns are subject to market risks, including potential loss of capital arising from market volatility, force majeure events, changes in political and economic conditions, and defaults, bankruptcy or insolvency of issuers of securities in which the mutual fund has invested and potential segregation of portfolio by AMC in such circumstances. You acknowledge that mutual fund investments are not obligations of, or guaranteed or insured by, Jarfin or any bank, and the principal amount invested may be exposed to the risk of diminution or total loss.

The NAV of mutual fund schemes may go up or down depending on various factors affecting the securities markets. There is no assurance or guarantee that the investment objectives of any mutual fund scheme will be achieved.

Mutual fund investments are not deposits with Jarfin or any bank and are not guaranteed, endorsed, or insured. You are solely responsible for reviewing the Scheme Information Document (SID), Statement of Additional Information (SAI), Key Information Memorandum (KIM), risk-o-meter, and all other scheme-related disclosures carefully before making any investment decision.

Scheme-Specific and Operational Risks

You acknowledge and understand that:

1. redemption of units may be temporarily suspended or restricted in certain circumstances, including where the scheme faces liquidity constraints or as permitted under applicable regulations;
2. mutual fund schemes may be wound up due to factors such as illiquid investments, high volumes of redemption requests, or unforeseen market events;
3. changes in tax laws (including capital gains tax and TDS (as applicable), regulatory frameworks, or AMFI guidelines may impact the returns or liquidity of Your investment; and
4. any such events that may impact the value, liquidity or redemption of Your investment.

Online Transaction Risks

You acknowledge and understand the inherent risks associated with online transactions, including but not limited to:

1. cyber frauds, hacking, phishing, and unauthorized access to accounts and compromise of mobile devices or registered email/SIM cards;
2. transmission errors and data loss and corruption of electronic instructions during transit;
3. system failures and interruptions and delays in API calls between the Platform and technology service providers, AMCs, and RTAs;
4. Payment Gateway and bank failures, internet connectivity issues, failure of OTP/2FA delivery;
5. maintenance windows, server downtime, or technical glitches at the end of any intermediary in the transaction chain; and
6. redirection to external UPI applications for payment completion.

You agree not to pursue any claims against Jarfin or its group entities or its partners for losses arising from such risks.

14.User Obligations and Representations

Accuracy of Information

You represent and warrant that all information provided by You during registration, KYC, and subsequent updates to Jarfin is true, accurate, complete, and current. Jarfin shall not be required to independently verify such information and shall be entitled to rely on the same for all regulatory filings and transaction processing. You agree to promptly notify Jarfin immediately of any changes to Your personal information, contact details, tax status, residency, or bank account information.

Compliance with Laws

You represent and warrant that:

1. all funds invested through the Platform are from Your own legitimate sources and belong to You;
2. Your investments do not violate any provisions of the income tax act, PMLA, or any other applicable laws;
3. You are not involved in any money laundering, terrorism financing, or other illegal activities; and
4. You comply with all applicable KYC, anti-money laundering (AML), and regulatory requirements.

Consent for Data Sharing

You authorize and provide Your express and unambiguous consent to Jarfin to:

1. process, store, and use Your personal information as per the Privacy Policy;
2. share Your information with AMCs, RTAs, KRAs, CKYC registry, SEBI, AMFI, and other regulatory authorities;
3. share Your information with third-party service providers (technology service providers, Payment Gateways, and network participants etc.) for providing Services;
4. use Your information for marketing and cross-selling purposes only where specific opt-in consent is obtained; and
5. collate transaction details and providing transaction data to AMCs/RTAs for processing.

You may revoke Your consent for marketing communications by opting out through the Platform/contacting customer support. However, withdrawal of consent for data sharing necessary for the Services will result in immediate termination of Your account, subject to statutory data retention requirements.

Communication Consent

By using the Platform, You consent to receive communications from Jarfin via email, SMS, WhatsApp, phone calls, push notifications, and other modes regarding transaction confirmation regulatory updates, Service-related alerts, and educational content.

You agree to receive calls and messages from Jarfin’s customer support team, and such calls may be recorded for quality control, training, and record-keeping purposes.

15.Disclaimers and Warranties

“As Is” Service

THE PLATFORM AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, JARFIN DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

1. warranties of merchantability, fitness for a particular purpose, and non-infringement;
2. warranties regarding uninterrupted, timely, secure, accurate or error-free operation of the Platform;
3. warranties regarding accuracy, reliability, completeness, or timeliness of information on the Platform; and
4. warranties regarding results to be obtained from use of the Platform.

Third-Party Content and Services

Jarfin is not responsible for the accuracy, reliability, or completeness of information obtained from third-party sources including AMCs, RTAs, technology service providers, market data providers, and other third-parties. NAV, returns, performance data, and other data displayed on the Platform are provided by AMCs and third-parties on an “as is” basis and may be delayed or inaccurate. Jarfin is not liable for any errors or omissions in such data. Jarfin does not endorse or make any warranties regarding third-party content, products, or services accessible through links on the Platform.

Jarfin does not warrant the security or performance of open network protocols or the reliability of transmission through third-party digital points of acceptance gateways. Any failure in the ‘action/callback’ handshake between servers is a third-party technical risk for which Jarfin disclaims all liability.

When You are redirected to external UPI applications (such as PhonePe, Google Pay, Paytm, or any other applications) or bank gateway for completing payment transactions, such redirection and the use of such external applications are subject to the terms and conditions and privacy policies of those applications. Jarfin is not responsible for the operation, security, or performance of such external UPI applications.

No Guarantee of Returns

Jarfin does not guarantee any returns, profits, dividends, payouts, or performance from mutual fund investments. Any projections, calculators, graphical and table comparisons, or illustrations on the Platform are based on assumptions and historical data and do not constitute guarantees or promises of future performance. Past performance is not indicative of future results. Mutual funds do not guarantee any specific yield or return. Returns fluctuate based on prevailing money market conditions and interest rates.

System Availability

Jarfin does not warrant that the Platform will be available at all times without interruption. The Platform may be unavailable due to scheduled or emergency maintenance, upgrades, system failures, internet connectivity issues, server downtime, force majeure events, or other reasons beyond Jarfin’s control. You agree that Jarfin shall not be liable for any loss or damage arising from unavailability or interruption of the Platform.

16.Limitation of Liability

NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THESE TERMS, TO THE MAXIMUM EXTENT PERMITTED BY LAW, JARFIN’S TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS, THE PLATFORM, THE SERVICES, OR ANY INVESTMENT IN A MUTUAL FUND SCHEME DISTRIBUTED THROUGH THE PLATFORM (WHETHER IN CONTRACT, TORT, OR OTHERWISE) SHALL NOT EXCEED THE TOTAL COMMISSION ACTUALLY EARNED BY JARFIN FROM THE RELEVANT AMC IN RESPECT OF YOUR INVESTMENTS WITH SUCH AMC DURING THE 6 (SIX) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. YOU ACKNOWLEDGE THAT THIS LIMITATION OF LIABILITY IS A FUNDAMENTAL BASIS OF THE BARGAIN BETWEEN YOU AND JARFIN. IN NO EVENT SHALL JARFIN INCLUDING ITS GROUP COMPANIES, AND THEIR RESPECTIVE DIRECTORS, OFFICER, EMPLOYEES, REPRESENTATIVES, OR OTHER SALES AND THIRD-PARTY PARTENRS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, REMOTE, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DATA, LOSS OF GOODWILL, OR LOSS OF BUSINESS OPPORTUNITY, EVEN IF JARFIN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Jarfin shall not be liable for:

1. any losses or damages arising from Your investment decisions or reliance on incidental advice provided on the Platform;
2. any losses or damages arising from market volatility or performance of mutual fund schemes;
3. delays or failures in transaction processing by AMCs, RTAs, banks, or Payment Gateways, or any other third-party service provider;
4. unauthorized access to Your account due to Your failure to maintain confidentiality and security of login credentials or compromise of Your personal device;
5. errors or delays in NAV applicability, unit allotment, or redemption proceeds;
6. failures or errors in external UPI applications or payment redirection;
7. acts or omissions of AMCs, RTAs, or other third-parties; and
8. force majeure events.

17.Confidentiality

You acknowledge and agree that in the course of using the Platform and Services, You may have access to confidential and proprietary information of Jarfin, including but not limited to features, functionality, design, technical specifications, software, algorithms, business strategies, pricing information, commission structures, AMC partnerships, and any other non-public information relating to Jarfin’s business operations (whether or not marked as confidential). All such confidential information shall be and remain the exclusive property of Jarfin. You agree to use reasonable care to protect the confidentiality of such information, hold it in strict confidence, and not use, copy, reproduce, distribute, or divulge such information to any third-party without Jarfin’s prior written consent, except as necessary for Your personal use of the Platform strictly within the scope permitted under these Terms.

You acknowledge that unauthorized disclosure or use of Jarfin’s confidential information may cause irreparable harm for which monetary damages may be inadequate, and Jarfin reserves the right to seek injunctive relief and pursue legal remedies for any breach of confidentiality obligations. Upon termination of Your account, You shall immediately cease all use of confidential information, and at Jarfin’s option, either return or destroy all copies in Your possession or control.

Nothing in this term shall prevent Jarfin from disclosing Your confidential information (including PII) to AMCs, RTAs, SEBI, AMFI, or other statutory authorities as required for the execution of transactions or regulatory compliance. These confidentiality obligations shall survive termination of these Terms.

18.Indemnification

You agree to indemnify, defend, and hold harmless Jarfin, its directors, officers, employees, agents, affiliates, partners, and service providers from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees and legal costs) arising out of or related to:

1. Your breach of these Terms and Privacy Policy and other information, conditions and terms for accessing Platform and availing Services;
2. Your violation of any applicable laws or regulations;
3. Your investment decisions;
4. Your use or misuse of the Platform including unauthorized automated access;
5. unauthorized access to Your account due to Your failure to maintain security;
6. inaccurate, incomplete or misleading information provided by You;
7. Your breach of representations and warranties; or
8. any act, neglect, misconduct, or fraud by You.

This indemnification obligation shall survive termination of these Terms.

19.Data Privacy and Protection

Jarfin collects, uses, stores, shares, and processes Your information, data, personal information in accordance with the Privacy Policy and applicable data protection laws and regulations. You provide Your voluntary, specific, and informed consent for the Company to collect, store, share, handle, and process such data for the delivery and performance of the Services.

Please refer to the Privacy Policy for detailed information regarding:

1. types of personal and sensitive personal data collected;
2. purpose of collection and usage;
3. disclosure to third-parties;
4. data retention policies;
5. security measures implemented;
6. Your rights regarding Your personal data; and
7. data breach notification procedures.

All data shall be stored only in compliance with applicable regulations. Notwithstanding anything to the contrary, Jarfin and its partners shall retain Your information for the duration required to fulfill the specified purposes and for such additional periods as mandated under applicable financial and tax regulations (including but not limited to statutory records of transactions and KYC).

20.Intellectual Property

The Platform, including ‘Sipse’ brand, UI/UX design, graphics, software, source code, object code, algorithms, and technical architecture), is exclusive proprietary property of Jarfin. Jarfin owns, operates and manages the Platform. You acknowledge group companies provide technology and other services only and is NOT engaged, directly or indirectly, in the business of mutual fund distribution, solicitation, or any other regulated financial activity. Your contract for Services is exclusively with Jarfin, and group companies shall have no liability towards You for any financial loss, unit allotment failure, or regulatory non-compliance arising from the Services. You are granted a limited, non-exclusive, non-transferable, non-sublicensable, non–assignable, and revocable license to access and use the Platform only solely for the purpose of availing the Services as a retail Investor. You shall not:

1. copy, reproduce, modify, adapt, translate, or create derivative works based on the Platform;
2. reverse engineer, decompile, or disassemble any software or technology or otherwise attempt to extract the source code or inner workings of the Platform or the APIs provided by the Platform, Jarfin or its technology service providers;
3. use any automated means (bots, crawlers, or scrapers) to extract data from the Platform for commercial or competitive purposes;
4. bypass or circumvent any security measures or API rate limits implemented on the Platform;
5. remove, obscure, or alter any copyright, trademark, or other proprietary notices; or
6. use the Platform for any commercial purpose without authorization.

All data and information provided by You remains Your property. You grant to Jarfin and its partners a non-exclusive, royalty-free, perpetual, and irrevocable license to use, store, and process Your transaction data and information for the purpose of executing the Services and complying with regulatory reporting mandates.

21.Grievance Redressal

Grievance Officer

If You have any complaints, grievances, or concerns regarding the Platform or Services, You may contact Our designated grievance officer:

Name

Arun S Kamath

Designation

Grievance Officer

Email

grievance@sipse.in

Phone

+91 7337636611

Address

No. 752, Vasantham Building, 6th Block, 18th Main Koramangala VI Block, Bangalore, South Bangalore, Karnataka, Bangalore – 560095

Complaint Resolution Process

Jarfin follows a structured grievance redressal mechanism as set out below:

All grievances shall be acknowledged within 48 (forty-eight) hours with a unique ticket reference number. The grievance shall be routed to the relevant team for resolution. In the event the grievance remains unresolved at the initial level within 7 (seven) working days, it shall be escalated to the Grievance Officer. If You are not satisfied with the resolution, You may escalate the grievance further by writing to Us. Each escalation will be treated as a fresh review with applicable timelines.

If the grievance remains unresolved or You are dissatisfied with the outcome, You may approach relevant regulatory or dispute resolution forums, including the AMFI, SEBI, SEBI Complaints Redress System, Online Dispute Resolution (ODR) platforms, or other legal forums, in accordance with applicable laws.

Jarfin maintains records of all grievances, including timestamps, resolution steps, and closure communications, for a minimum period of 5 (five) years or such longer period as may be required under applicable laws.

For grievances specific to mutual fund schemes, including transaction-related issues, You may also contact the respective AMC directly.

22.Suspension and Termination

Suspension by Jarfin

Jarfin reserves the absolute right, in its sole discretion, to suspend or restrict Your access to the Platform immediately and without notice if:

1. You breach any provision of these Terms;
2. Jarfin suspects Your account or You being involved in fraudulent, illegal, or suspicious transaction patterns (as per PMLA guidelines);
3. You violate applicable laws or regulations;
4. Your account is subject to regulatory investigation;
5. Jarfin suspects money laundering or terrorism financing;
6. Jarfin is required to do so by law or regulatory authority; or
7. Jarfin decides to discontinue any specific Service or feature of the Platform.

During suspension, You will not be able to place new transactions but may redeem Your existing mutual fund investments.

Termination by User

You may close Your account at any time by submitting a written request to Jarfin. Account closure is subject to the completion of all pending transactions and the cancellation of active SIP mandates.

Effect of Termination

Upon termination, Your access to the Platform will be revoked. Your existing mutual fund holdings with AMCs will continue and You may manage them directly with the AMCs or through another distributor. Jarfin may retain Your data as required under applicable laws and regulations. Jarfin shall not be liable for any loss of access to portfolio reporting or historical data after termination. Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to liability disclaimers, confidentiality, indemnification, governing law, and dispute resolution.

23.Regulatory Compliance

SEBI and AMFI Compliance

Jarfin is subject to SEBI (Mutual Funds) Regulations, 2026, and SEBI Master Circular for Mutual Funds, 2026, and shall comply with all applicable SEBI regulations and guidelines. Jarfin also adheres to the AMFI Code of Conduct for Mutual Fund Distributors. Any changes in SEBI or AMFI regulations shall automatically apply to these Terms without need for amendment.

Jarfin reserves the right to periodically verify Your continued eligibility to invest (including status as a resident Indian, non-resident Indian, or tax residency) and may restrict Services if Your status changes or if You fail to provide updated information as required by the AMC/RTA.

Anti-Money Laundering (AML) and Combating Financing of Terrorism (CFT)

You represent and warrant that You are in compliance with PMLA and the rules framed thereunder. You agree that all funds invested through the Platform originate from Your own legitimate bank account and do not constitute the “proceeds of crime” as defined under PMLA.

You acknowledge that as an AMFI-registered intermediary, Jarfin may be required to:

1. verify the source of funds;
2. request additional documentation;
3. suspend or terminate accounts suspected of money laundering or terrorism financing; or
4. report suspicious transactions to regulatory authorities.

Jarfin and its technical partners shall have the right to “freeze” or “block” Your account or specific folios if instructed by any regulatory or law enforcement authority, or if Jarfin has reasonable grounds to suspect fraudulent activity.

24.Force Majeure

Jarfin shall not be liable for any delay or failure to perform its obligations under these Terms due to force majeure events beyond its reasonable control, including but not limited to:

1. acts of god (earthquakes, floods, cyclones, pandemics, epidemics, etc.);
2. war, terrorism, civil unrest, riots;
3. government actions, regulatory changes, embargoes;
4. strikes, labour disputes;
5. failure of third-party systems (AMCs, RTAs, banks, Payment Gateways, internet service providers);
6. power outages, system failures, cyber-attacks; or
7. any other events beyond Jarfin’s reasonable control.

Jarfin’s obligations shall be suspended during the force majeure event and shall resume upon cessation of the event.

25.Modification of Platform and Services

Jarfin reserves the right to modify, suspend, or discontinue any feature, service, or functionality of the Platform at any time without prior notice. Jarfin shall not be liable for any loss or damage arising from such modification, suspension, or discontinuation. Jarfin may add, modify, or remove mutual fund schemes, AMC partnerships, or categories of funds available on the Platform, from time to time, without prior notice.

26.Governing Law and Jurisdiction

These Terms and any disputes arising out of or related to these Terms or the Platform shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles. Any dispute, controversy, or claim arising out of or relating to these Terms or the Platform shall be subject to the exclusive jurisdiction of the courts in Bangalore, India.

27.Dispute Resolution

Before initiating any legal proceedings, the parties shall endeavor to settle the dispute amicably through good faith negotiations for a period of 30 (thirty) days. If the dispute is not resolved through negotiation, the parties agree to submit the dispute to arbitration under the Arbitration and Conciliation Act, 1996. The arbitration shall be conducted by a sole arbitrator appointed by mutual consent, and the seat and venue of arbitration shall be Bangalore, India. If the dispute is not resolved through arbitration, either party may initiate legal proceedings in the courts specified above.

28.Miscellaneous Provisions

Entire Agreement

These Terms, together with the Privacy Policy and any other scheme related documents, expressly incorporated by reference, constitute the entire agreement between You and Jarfin regarding the subject matter hereof and supersede all prior agreements, understandings, and communications.

Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

Waiver

Jarfin’s failure to enforce any provision of these Terms shall not be deemed a waiver of such provision or the right to enforce it in the future.

Assignment

You may not assign or transfer Your rights or obligations under these Terms without Jarfin’s prior written consent. Jarfin may assign or transfer its rights and obligations under these Terms to any affiliate or successor entity without Your consent.

Notices

All notices to Jarfin shall be sent to:

Email

legal@jarfinretail.com

Address

No. 752, Vasantham Building, 6th Block, 18th Main Koramangala VI Block, Bangalore, South Bangalore Karnataka, Bangalore – 560095

All notices to You shall be sent to Your registered email address or mobile number.

Language

These Terms are prepared in English. In case of any translation to regional languages, the English version shall prevail in case of any conflict. You agree that all agreements, notices, and disclosures provided to You electronically satisfy any legal requirement that such communications be in writing.

Headings

Headings and section titles are for convenience only and shall not affect the interpretation of these Terms.

29.Contact Information

For any questions or concerns regarding these Terms, please contact Us at:

Company

Jarfin Retail Private Limited

Registered Office

No. 752, Vasantham Building, 6th Block, 18th Main Koramangala VI Block, Bangalore, South Bangalore Ka, Bangalore – 560095

Email

support@sipse.in

Phone

+91 7337636611

Website

www.sipse.in

AMFI ARN

282924

Grievance Officer

Arun S Kamath