1. Introduction
Welcome to Zryth Capital (“we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our services and website. By engaging our services, you agree to be bound by these Terms.
2. Services Offered
2.1 Mutual Fund Distribution Services
- Distribution of mutual fund schemes as authorized distributor
- Investment advisory and portfolio management guidance
- SIP (Systematic Investment Plan) facilitation and management
- Fund selection and asset allocation recommendations
2.2 Unlisted Shares Investment Services
- Advisory on unlisted equity investments
- Due diligence and research services
- Transaction facilitation for unlisted securities
- Portfolio monitoring and exit strategy planning
2.3 Insurance Services
- Distribution of insurance products including ULIPs
- Life insurance and general insurance advisory
- Policy servicing and claims assistance
- Risk assessment and coverage planning
2.4 Tax Planning & Consultancy
- Tax-efficient investment planning
- Compliance advisory services
- Capital gains optimization strategies
- Annual tax planning and filing assistance
3. Client Obligations
3.1 Information Accuracy
- Provide accurate and complete personal and financial information
- Update information promptly when changes occur
- Maintain confidentiality of login credentials and account details
3.2 Investment Decisions
- Make informed investment decisions based on your risk appetite
- Understand that all investments carry risk of loss
- Comply with applicable laws and regulations
3.3 Documentation
- Complete all required KYC (Know Your Customer) procedures
- Provide necessary documents for investment and tax compliance
- Maintain records of all transactions and communications
4. Our Responsibilities
4.1 Professional Standards
- Provide services in accordance with industry best practices
- Maintain necessary licenses and regulatory compliance
- Act in good faith and with professional competence
4.2 Information Security
- Implement reasonable security measures to protect client data
- Maintain confidentiality of client information
- Comply with applicable data protection regulations
4.3 Disclosure
- Provide clear information about fees, charges, and risks
- Disclose any conflicts of interest
- Ensure transparency in all dealings
5. Investment Risks and Disclaimers
5.1 General Investment Risks
- Market Risk: All investments are subject to market fluctuations
- Liquidity Risk: Some investments may have limited liquidity
- Credit Risk: Risk of default by issuers or counterparties
- Inflation Risk: Impact of inflation on real returns
5.2 Specific Product Risks
- Mutual Funds: Subject to market risks, past performance not indicative of future results
- Unlisted Shares: High risk, illiquid investments with uncertain exit timelines
- Insurance Products: Subject to policy terms, underwriting guidelines, and charges
- Tax Planning: Subject to changes in tax laws and individual circumstances
5.3 Performance Disclaimers
- Past performance does not guarantee future results
- Investment returns are not guaranteed
- Tax benefits are subject to applicable laws and individual tax situations
6. Fees and Charges
6.1 Fee Structure
- Mutual Fund Distribution: Commission/trail fees as per regulatory norms
- Unlisted Shares Advisory: 1-2% advisory fee + 10-20% success fee on realized gains
- Insurance Distribution: Commission as per insurance company terms
- Tax Consultancy: Fixed fee or percentage-based as mutually agreed
6.2 Payment Terms
- Fees are payable as per agreed terms
- Additional charges may apply for premium services
- All fees are exclusive of applicable taxes
7. Liability Limitations
7.1 Scope of Liability
- Our liability is limited to direct damages caused by our negligence
- We are not liable for market losses or poor investment performance
- Maximum liability shall not exceed fees paid for the specific service
7.2 Exclusions
- Force Majeure: Not liable for events beyond our reasonable control
- Third-Party Actions: Not responsible for actions of fund houses, insurance companies, or exchanges
- Technology Issues: Limited liability for system failures or technical glitches
8. Service Level Agreements
8.1 Response Times
- General Inquiries: Response within 24-48 hours
- Investment Processing: As per regulatory timelines
- Emergency Support: Available during business hours
8.2 Service Standards
- Professional and timely service delivery
- Regular communication and updates
- Transparent and ethical business practices
9. Termination
9.1 Client Termination
- Clients may terminate services with 30 days written notice
- Outstanding obligations must be fulfilled before termination
- Investment positions may need to be closed or transferred
9.2 Our Termination Rights
- We reserve the right to terminate services for breach of terms
- Termination may occur for non-compliance with regulations
- Services may be suspended for fraudulent or illegal activities
10. Governing Law and Jurisdiction
These Terms are governed by Indian law and subject to the exclusive jurisdiction of courts in Agra, India.
11. Amendments
We reserve the right to modify these Terms with 30 days notice to clients. Continued use of services constitutes acceptance of modified terms.
12. Contact Information
For questions regarding these Terms:
