Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using SIFFUNDS.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

These Terms apply to all visitors, users, and anyone who accesses or uses the website.

If you do not agree with any part of these Terms, you must discontinue your use of SIFFUNDS.com.

2. Nature of Our Services

2.1 Educational and Informational Platform

SIFFUNDS.com provides educational and informational resources relating to Specialized Investment Funds (SIFs), investment concepts, financial markets, and related topics.

Our website may include:

• Educational content about Specialized Investment Funds (SIFs)
• Information about SIF products and investment strategies
• Educational comparison tools and calculators
• Market news and industry updates
• Research-based articles and analysis
• Investment-related educational guides and resources

2.2 What SIF FUNDS Does Not Provide

Unless expressly stated otherwise on a particular service page, SIFFUNDS.com does not:

• Provide personalized investment advice or recommendations
• Execute purchases, sales, or redemptions of securities or funds
• Manage investment portfolios
• Hold or custody money or investments on behalf of users
• Act as a broker, investment adviser, distributor, or financial intermediary
• Guarantee investment returns or profits
• Determine whether an investment is suitable for a particular person

3. Your Responsibilities as a User

3.1 Information You Provide

If you voluntarily provide information through SIFFUNDS.com, you agree that the information you submit should be accurate and not misleading.

You are responsible for ensuring that information submitted through forms, calculators, enquiries, or other website features is provided voluntarily and does not violate the rights of another person.

3.2 Acceptable Use

You agree to use SIFFUNDS.com only for lawful purposes and in a manner that does not interfere with the operation, security, or availability of the website.

You must not:

• Use the website for unlawful or fraudulent purposes
• Attempt to gain unauthorized access to our systems or servers
• Transmit viruses, malware, or other harmful code
• Scrape, reproduce, or redistribute website content without permission
• Impersonate another person, organization, or entity
• Harass, threaten, abuse, or harm other users
• Interfere with the security or operation of the website
• Use automated systems to access the website in a way that places unreasonable load on our systems
• Use website content to create a competing commercial service without permission

3.3 Investment Decisions

Any investment decision you make is your own responsibility. Information available on SIFFUNDS.com should not be treated as a substitute for personalized professional financial advice.

Before making an investment decision, you should:

• Consider consulting an appropriately qualified and SEBI-registered financial professional
• Read applicable scheme and investment strategy documents carefully
• Understand the risks associated with the investment
• Consider your own financial circumstances and risk tolerance
• Verify important information through official sources
• Conduct your own independent research and due diligence

4. Intellectual Property Rights

4.1 Website Content

Unless otherwise stated, content published on SIFFUNDS.com, including text, articles, graphics, website design, logos, images, illustrations, data compilations, software, and other original materials, is owned by or licensed to SIF FUNDS and may be protected by applicable intellectual property laws.

4.2 Limited Use License

You may access and use SIFFUNDS.com for personal, non-commercial, informational purposes, subject to these Terms.

Unless you have obtained written permission from us, you must not:

• Copy or reproduce substantial portions of our original content
• Modify or create derivative works from our content
• Republish our content on another website or platform
• Use our content for commercial purposes
• Remove copyright, trademark, or proprietary notices
• Reverse engineer or attempt to extract source code from our technology

4.3 Third-Party Content and Trademarks

Certain fund names, logos, trademarks, product information, and other materials appearing on SIFFUNDS.com may belong to their respective Asset Management Companies, fund houses, data providers, or other third parties.

The appearance of third-party names, trademarks, or logos on our website does not imply ownership, partnership, sponsorship, or endorsement unless explicitly stated.

If you believe that material published on SIFFUNDS.com infringes your intellectual property rights, please contact us with the relevant details so that we can review the matter.

5. Disclaimers and Limitations

5.1 No Investment Advice

Information provided on SIFFUNDS.com is intended for general educational and informational purposes only.

Nothing published on the website should be interpreted as personalized investment advice, financial planning, a recommendation, an offer, or a solicitation to purchase or sell any security, fund, or investment product.

SIF FUNDS does not assess the individual financial circumstances, investment objectives, or suitability of an investment for a particular user.

5.2 Accuracy and Availability of Information

We make reasonable efforts to publish useful and accurate information. However, financial data, fund information, market conditions, regulations, fees, performance figures, and other information can change over time.

We do not guarantee that all information on SIFFUNDS.com will always be complete, current, accurate, or error-free.

Users should verify important information through official sources, relevant Asset Management Companies, regulatory authorities, and applicable scheme documents before making decisions.

5.3 Investment and Market Risks

Investments are subject to market and other risks. The value of an investment can rise or fall, and investors may lose some or all of their invested capital.

Past performance is not indicative of future results. Historical returns, projections, estimates, examples, calculators, or other information available on the website should not be interpreted as a guarantee of future performance.

5.4 Website Provided "As Is"

To the extent permitted by applicable law, SIFFUNDS.com is provided on an "as is" and "as available" basis.

We do not guarantee that the website will always be uninterrupted, error-free, secure, or free from harmful components.

5.5 Limitation of Liability

To the maximum extent permitted by applicable law, SIF FUNDS shall not be responsible for losses or damages arising from your use of, or reliance on, information available through SIFFUNDS.com.

This includes, where legally permissible, losses arising from:

• Use of or inability to access the website
• Investment decisions made using information available on the website
• Errors, omissions, or inaccuracies in website content
• Temporary website interruptions or technical issues
• Unauthorized access or security incidents
• Third-party websites, services, or content
• Loss of profits, revenue, or business opportunities

6. Third-Party Websites and Services

SIFFUNDS.com may contain links to third-party websites and services, including Asset Management Company websites, SEBI resources, financial information providers, research resources, and other external websites.

These links are provided for convenience and informational purposes. We do not control third-party websites and are not responsible for their content, availability, security, privacy practices, or terms.

A link to a third-party website does not necessarily mean that SIF FUNDS endorses, recommends, or guarantees the products or services offered by that third party.

We recommend reviewing the terms and privacy policies of third-party websites before using their services or providing personal information.

7. Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless SIF FUNDS and its officers, employees, contractors, service providers, and representatives from claims, liabilities, losses, damages, costs, and reasonable expenses arising from:

• Your misuse of SIFFUNDS.com
• Your violation of these Terms
• Your violation of applicable laws or regulations
• Your infringement of another person's rights
• Content or information you submit through the website
• Your investment decisions or activities

8. Suspension and Termination

We may suspend, restrict, or terminate access to SIFFUNDS.com or particular website features where reasonably necessary, including where we believe a user has violated these Terms or applicable law.

We may also:

• Remove content that violates these Terms
• Restrict access to certain website features
• Suspend accounts where applicable
• Discontinue or modify website features
• Temporarily or permanently discontinue the website

Where your access is terminated, your right to use the affected website services will cease. Provisions that are intended to survive termination, including applicable disclaimers, limitations of liability, intellectual property provisions, and dispute-related provisions, will continue to apply where legally enforceable.

9. Governing Law and Dispute Resolution

9.1 Governing Law

These Terms shall be governed by and interpreted in accordance with the applicable laws of India.

9.2 Jurisdiction

Subject to applicable law, disputes arising from these Terms or your use of SIFFUNDS.com shall be subject to the jurisdiction of the appropriate courts in India.

9.3 Good-Faith Resolution

Before initiating formal legal proceedings, the parties should make reasonable efforts to resolve any dispute through good-faith discussions.

10. Changes to These Terms

We may update these Terms of Service from time to time to reflect changes in our website, services, business practices, technology, or applicable laws and regulations.

When we make changes, we will update the "Last Updated" date at the top of this page.

Where appropriate, significant changes may be communicated through additional notices on the website.

Your continued use of SIFFUNDS.com after updated Terms are published means that you acknowledge the updated Terms.

11. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision will be interpreted or limited to the minimum extent necessary to make it enforceable where possible.

The remaining provisions of these Terms will continue to apply to the extent permitted by applicable law.

12. Entire Agreement

These Terms of Service, together with the SIFFUNDS.com Privacy Policy and any other policies expressly incorporated into these Terms, constitute the agreement governing your use of the website.

These Terms supersede prior understandings relating specifically to your use of SIFFUNDS.com, except where a separate written agreement expressly applies.

13. Contact Information

If you have questions about these Terms of Service, please contact SIF FUNDS using the information below.