Terms of Service

1. Acceptance of Terms

By accessing and using the Rughwani Wealth website and services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

Rughwani Wealth provides financial advisory and distribution services including but not limited to:

• Mutual Fund distribution and advisory services
• Life Insurance and General Insurance distribution
• Fixed Deposit facilitation
• Portfolio Management Services (PMS) advisory
• Alternative Investment Funds (AIF) advisory
• Loan and financing facilitation
• Financial planning and goal-based investment advisory

3. Registration and Compliance

Rughwani Wealth is an AMFI Registered Mutual Fund Distributor with ARN: 337298. We are also members of BSE, NSE, and MFU. All our services comply with the regulations set forth by:

• Securities and Exchange Board of India (SEBI)
• Association of Mutual Funds in India (AMFI)
• Insurance Regulatory and Development Authority of India (IRDAI)
• Reserve Bank of India (RBI) for applicable services

4. User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information when requested
• Keep your account credentials confidential
• Notify us immediately of any unauthorized use of your account
• Use our services only for lawful purposes
• Not engage in any activity that could harm, disable, or impair our services
• Comply with all applicable laws and regulations

5. Investment Risks

All investments are subject to market risks. Past performance is not indicative of future results. The value of investments may go up or down, and investors may not get back the amount originally invested.

Mutual Fund Investments: Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

Insurance Products: Insurance is a subject matter of solicitation. Please read the policy documents carefully before concluding a sale.

6. Fees and Charges

Our fees and charges vary based on the services availed. All applicable fees, commissions, and charges will be disclosed to you before you avail of any service. We may receive commissions from product manufacturers as per regulatory guidelines.

7. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Rughwani Wealth or its content suppliers and is protected by Indian and international copyright laws.

8. Limitation of Liability

To the fullest extent permitted by law, Rughwani Wealth shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use or inability to use our services
• Any investment decisions made based on information provided
• Unauthorized access to your personal information
• Any errors or omissions in our content
• Market fluctuations affecting your investments

9. Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

10. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on this website. Your continued use of our services after any changes constitutes acceptance of the modified terms.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in Delhi, India.

12. Contact Information

For any questions regarding these Terms of Service, please contact us at: