Truemind Investment Adviser Pvt. Ltd., a company incorporated under the laws of India (including the principal officer, person(s) associated with investment advice, investment advisors, employees hereinafter referred as “TRUEMIND”, “Firm”, “Investment Adviser” severally or jointly wherever applicable), having its registered office at C-8/111-A, Lawrence Road, Delhi-110035 operates website www.truemindcapital.com also referred as “site” or “website” or “platform”. “TRUEMIND” is registered with SEBI as an Investment Advisor under SEBI (Investment Advisers) Regulations, 2013 with the registration number “INA100017089” dated 9 March 2022.

“Client”, “You” and “Your” refers to you, the person accepting the firm’s terms and conditions and accessing or using this website. Terms & conditions cover all users. Whether you are a visitor which means that you simply browsing the site or you are a registered user which means that you have created a login on the website or availing the services or any part of the services as provided on the website.

You agree and understand that the information and material contained in this website implies and constitutes your consent to the terms and conditions mentioned below. You also agree that “TRUEMIND” reserves the right to amend, modify or vary any of the terms stated herein at any time in its sole and absolute discretion and any such variation, amendment or modification shall take into effect and bind you from the date of change. The current version of the terms & conditions will apply each time you use the site. You should check and review any changes since the last version when you use the website.

You agree to these terms & conditions by accepting electronically (by clicking on “I Agree”), accessing the website or using the services.

If you do not agree to terms of use & agreement, then you may not use the services and assess the website.

Promulgation by the client

1. I/We agree to abide by the terms & conditions, rules & regulations andunderstand the risk factors of the mutual fund scheme(s).

2. I/We have read and understood the contents of all the scheme related documents.

3. I/We confirm and believe that all the transactions made by me/us area ppropriate for me/us as per my/our investment objective and risk profile.

4. Only applicable in case of investment by NRIs: Currently “TRUEMIND” is not offering platform services to NRIs residing in USA and Canada.

   I/We confirm that the I/We are Non-Resident(s) of Indian Nationality/Origin and that the funds for additional purchases are remitted from abroad through approved banking channels or from funds in my/our NRE/NRO/FCNR account. I/We are not a resident / incorporated body under the laws of United States of America or Canada. No citizens shall subscribe to the website services who are NRIs from USA and Canada. If the user chooses to access the service fromoutside India, he/she shall be solely responsible for compliances with foreign andlocal laws as this may lead to violation of local laws in such countries.“TRUEMIND” shall be indemnified for any liability which may incur in any foreign jurisdiction as a consequence of the citizens/residents of countries other than India using the service by such NRI. This plan does not constitute an offer to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.

5. I/We understand that mutual funds are subject to market risks and there can be no assurance that the objectives of the schemes will be achieved.

6. I am 18 years of age or older and I am fully able and competent to enter into, and abide by the Terms and Conditions.

7. I/We agree to the terms and conditions for transacting through website as mentioned below:

Terms & Conditions for advisory and transaction facility/services on the website:

Advisory and transaction facility on the website is provided by “TRUEMIND” to enable the investors to make investment plans and execute online transactions of the mutual funds.

“TRUEMIND” is registered with various AMCs as an RIA and shall facilitate online transactions in direct plans of mutual funds for its clients through its website www.truemindcapital.com using BSE Star MF platform and shall be responsible / liable for all regulatory compliances/contractual obligations with respect to online transaction of units of mutual funds.

You further agree to provide all the necessary documents and information which may be needed by rules set by regulators like SEBI, RBI and other Government regulators, AMCs, BSE Star MF and AMFI from time to time.

“TRUEMIND” and BSE Star MF have entered into agreements with third party payment service providers to link up with banks for offering various facilities through internet and services including net banking and payment settlement with respect to payment instructions initiated by the clients using online payment facility available on the platform.

1) Conditions Related to Registration:

1. The account activation at the platform is subject to the satisfactory completion of the registration process and submission of all mandatory KYC documents and subsequent KRA verification, setting up of e-mandates/e-NACH, singing of Terms of Agreement and after receiving the subscription fees.

2. The services available on the platform can be activated for KYC Registration Agency (KRA) verified investors only.

3. You agree and authorise “TRUEMIND” to submit all the KYC related information and documents to the respective Mutual Funds, AMCs and/or their respective R&Ts Agents for the purpose of validation and to comply with regulatory requirement notified from time to time. You agree that signature available in the KRA records/systems would be used for signature verification for processing any request made by you through the website or direct transactions with AMC. In the event such signature is not available or legible in KRA records/system, you understand and agree that “TRUEMIND”/the AMCs shall be entitled to carry out further checks to validate the authenticity of the request/ or to reject/disallow any transaction in the connection herewith.

4. You agree and understand that for change of address, e-mail id, mobile number, nominee details and /or bank details can be allowed for such accounts only when a duly signed hard copy of such written request is sent to “TRUEMIND” or to the respective AMC/CAMS /POS for signature verification and other formalities.

2) Conditions in General

1. You agree that you have gone through Scheme Information Documents and KIMs and all related information on mutual fund schemes available on the AMCs websites and understand fully all the aspects/repercussions on your investments before executing any transaction (purchase/redeem/switch) through the website.

2. You grant authority to “TRUEMIND” which is using BSE Star MF to process and transmit request to execute your instructions with regards to purchase /redemption /switch/sell or other transactions/activities in respect of mutual funds on your behalf, as may be instructed by you from time to time made by you through the platform account.

3. “TRUEMIND” shall not be liable for any unauthorised access to your website account with respect to dealings and for various security measures which you have to take to prevent unauthorised access.

4. You agree that the data and information provided by you to “TRUEMIND” pursuant to your dealing with website would not be shared with any other person/entity unless a written consent is provided by the client or for compliance with any legal or regulatory requirements.

5. You agree to comply with KYC (Know your Client/Customer) and KRA requirements as required under SEBI (KYC Registration Agency) Regulation 2011, SEBI Act 1992, Prevention of Money Laundering Act, 2002, all laws and regulations including but not limited to the Foreign Exchange Management Act (FATCA), Reserve Bank of India (RBI) guidelines, to the extent applicable for availing the website account.

6. You agree that submission of a transaction request through the website account shall not be deemed to be acceptance of the transaction by BSE Star MF, Mutual Funds or its RTAs and the transaction could be rejected if does not comply with the provisions of the Scheme Information Document of the respective Mutual Fund or for any other reason which “TRUEMID” and/its authorised representatives/Mutual Funds/RTAs deems fit. “TRUEMIND” shall not be held liable in such cases.

7. You understand and agree that instructions given by you to website which is using BSE Start MF for transacting in mutual fund will be forwarded to the AMC/R&TA in an electronic format (‘Transaction Feed File’) and AMC/R&TA will process the transaction on the basis of such feed file only. And you hereby agree and consent to the transmission of data by electronic means through the website account from the website. As with any investment in mutual fund schemes, the NAV of units issued can go up or down depending on the factors and forces affecting capital markets.

8. You agree and authorize “TRUEMIND” to communicate on your behalf with the BSE Start MF and AMC’s for financial and /or non-financial transactions

9. You understand that you may communicate directly with the Mutual Fund/AMCs to resolve any clarifications that you may have pertaining to your investments in the Mutual Fund Schemes.

10. You further agree and acknowledge that the Mutual Fund/Asset Management Company will act only on the electronic transaction data forwarded by website through BSE Star MF and will be under no obligation to verify and/or confirm the authenticity of such transactions including the content, source etc.

11. You hereby confirm that you will not hold the “TRUEMIND”, Mutual Fund/Asset Management Company liable and/or responsible for any loss/damage that you may incur as a result of any such improper use of your password/Investment Services Account.

12. You agree and acknowledge that the filling in of transaction data/instructions for onward forwarding to the Mutual Fund/Asset Management Company would require you to incorporate proper, accurate and complete details. In the event of your account receiving an incorrect credit by reason of a mistake committed by any third party, the concerned Mutual Fund/Asset Management Company or the bank shall be entitled to reverse the incorrect credit at any time without your consent. You shall be liable and responsible to “TRUEMIND” and concerned mutual fund/Asset Management Company for any unfair or unjust gain obtained by you as a result of the incorrect credit.

13. In the event an account is jointly held, you acknowledge that all instructions (including instructions for modification of this clause) shall be given only by the first holder of such account, on behalf of all of you and for this purpose, you hereby authorize “TRUEMIND” and website to process and transmit such instructions given from time to time in relation to your transactions to the respective mutual funds/asset management companies. The mode of holding in all customer joint accounts is treated as “Anyone or Survivor” only.

14. We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. Our security measures include advanced technology and equipment to help protect your personal information.

    The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our website platform, you are responsible for keeping this password confidential. We ask and want you to not share your password with anyone.

    Unfortunately, the transmission of information via the Internet is not completely secure. Although we take appropriate measures to safeguard against unauthorized disclosures of information, we cannot guarantee the security of your personal information transmitted to our websites. Any transmission of personal information is at your own risk. You hereby acknowledge that we are not responsible for any intercepted information sent via the Internet or the circumvention of any privacy settings or security measures contained on our website, and you hereby release us from any and all claims arising out of or related to such interceptions of information or circumventions of our websites.

15. You acknowledge that dealing through the website account will be at your own risks. You shall solely be responsible to evaluate all the risks arising out of the same.

16. The client understands that “TRUEMIND” uses services of third party and may include, display or make available information, applications, data, content or materials from third parties or provide links to certain third party material and websites. By using the third party services, the client acknowledges and agrees that “TRUEMIND” is not responsible for examining or evaluating the validity, accuracy, compliance, copyright, legality content, timeliness, completeness, quality or any other aspect of such third party website or materials. TRUEMIND will not have any liability or responsibility to the client or anyone for any third party material, website or services.

17. ”TRUEMIND” shall not be liable if any transaction does not fructify, or may not be completed, or for any failure on the part of “TRUEMIND” to perform any of its obligations under these terms and conditions, or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event (defined below). In such a case, its obligations shall be suspended for so long as the Force Majeure event continues.

18. You understand and accept that not all the products and services offered by “TRUEMIND” are available in all geographic areas and you may not be eligible for all the products or services offered by “TRUEMIND”. “TRUEMIND” reserves the right to determine the availability and eligibility for any product or service offered on the website.

19. In the event of demise of the Client, “TRUEMIND” shall be absolutely protected in acting under these terms and conditions until “TRUEMIND” receives written notice of death from the legal representatives/heirs of the Client. All acts performed by “TRUEMIND” prior to receiving written notice of the Client’s death, shall be binding and valid upon the Client’s account and the Client’s successors in title. The legal representatives or heirs will be recognized by “TRUEMIND” as having the sole authority to act under these terms and conditions on behalf of the deceased Client only upon the legal representatives or heirs producing the appropriate and valid legal documents (as mentioned on AMFI also) which establishes them as the legal representatives of the deceased Client.

    “Force Majeure Event” means any event due to any cause beyond the reasonable control of “TRUEMIND”, including and without limitations the unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of God, civil commotions, strikes or industrial action of any kind, riots, insurrection, war, acts of the government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal, or the systems getting affected by any malicious, destructive or corrupting code or programme, mechanical or technical errors/failures or power shutdown, faults or failures in telecommunication, etc.

3) Indemnification Clauses

1. You hereby agree to indemnify and hold harmless “TRUEMIND”/ its authorised representatives, BSE Star MF, service providers, Mutual Funds, Asset Management Companies and their officers and agents from and against any and all damages, costs, direct losses, reasonable expenses, liabilities, awards, judgments and fines incurred directly arising out of the breach of the undertakings, warranties or any of the terms of this Agreement by you or any of your representatives on account of gross negligence or wilful misconduct, fraud, intentional act of omission or commission or any other wrongdoing, by reason of using website account and/or doing and/or omitting to do anything in accordance with the Terms specified herein or any instructions relating to the online dealing in mutual funds through website.

2. You agree that “TRUEMIND” / its authorised representatives/service providers, BSE Star MF, Mutual Funds, AMCs and their officers and agents are not liable for any loss caused through a fall in value of investment value/NAV etc. which can go up or down depending on the factors and forces affecting capital markets or any indirect, special or consequential loss you might suffer.

3. You agree and undertake not to hold “TRUEMIND”/its authorized representatives/service providers, BSE Star MF for the following:

   1. any delay or failure in processing the transactions carried out by you due to any system failure or for any other reason whatsoever.

   2. for any loss or damage incurred or suffered by you due to withdrawal or termination or suspension of the dealing facility arising from or caused by any reason whatsoever.

   3. for any loss or damage incurred or suffered by you due to any error, incorrect information, defect, failure or interruption in the dealing arising from or caused by any reason whatsoever.

   4. for any loss or damage incurred or suffered by you for electing to follow or not follow any information, advisory or recommendation given by the “TRUEMIND” and its representatives/Investment Advisers. You are solely responsible for choosing to follow the investment related advice you received from “TRUEMIND” and its representatives and from any of its digital contents and you are solely responsible for any gains or loss arising from such actions.

4. If the foregoing limitation is held to be unenforceable, the maximum liability of “TRUEMIND”/its authorised representatives/service providers to you shall not exceed the amount of convenience fees/service charges/subscription charges paid by you for availing the services.

4) Transaction Related:

1. “TRUEMIND” will forward your instructions via BSE Star MF to the AMCs/RTAs electronically, and the AMCs/RTAs will process the transactions on the basis of such electronic instructions. AMCs/RTAs are not obliged to accept application for subscription to units of their mutual fund schemes in part or in full.

2. The online requests will be executed based on the instructions of investors registered for - website Account. You agree and confirm that all the authorised and complete transactions will be processed at the applicable NAV (as defined in the Scheme Information Document of respective schemes of Mutual Funds) subject to receipt of funds and acceptance of your transaction by the Mutual Funds/RTAs.

3. You agree not to hold “TRUEMIND”/ its authorised representatives liable for any loss that may arise to you as a result of the incorrect NAV applied on units allotted to you by the Mutual Fund.

4. The units of the schemes shall be allotted, redeemed or switched, as the case may be, at the Net Asset Value (NAV) prevalent on the date of the transaction request by the Mutual fund, if the request for purchase, redemption or switch is placed before the cut-off time.

5. The money debited from your Bank Account shall be collected in the team account of the third party service provider used by BSE Star MF and from there it will be credited/transferred to the respective Mutual Funds either on the same day (in case the order is placed before the cut off time) or the next working day (in case the order is placed after the cut off time). Hence, you agree, understand and acknowledge that there would be an interim time lag in transferring/crediting the money from the pool account of the third party service provider to the respective Mutual Fund account.

6. All the Client's transactions requests received during the day would be transferred to AMCs/RTAs by BSE Star MF so as to reach before the cut-off time for various transactions of the respective scheme. Transactions received after the cut-off time, the next business day’s NAV is applicable. The format for data submission will be provided by the BSE Star MF. NAV of same day will be provided if transaction is executed before cut-off time and NAVs will be provided of the day on which funds are realised before the cut-off time. Else, the next day’s NAV will be applicable.

7. The cut off timings are as follows and are subject to change based on regulatory changes:

   Liquid Schemes Subscriptions: 12.55 pm
   All other Schemes Purchases: 2:25 pm
   Liquid Schemes Redemptions & Switch Out: 03:00 pm
   All other Schemes Redemptions & Switch Out: 03:00 pm

8. Holiday means banking holidays as applicable in Mumbai, India and on all stock exchange holidays. The transactions once placed cannot be cancelled.

9. You agree that the payment for the transactions undertaken by you through website account will be facilitated through a payment gateway and the “TRUEMIND”/its authorised representatives/ service provider and BSE Star MF shall not be liable for any failures in the link or for any fraud (either payment gateway‟ s and/or bank‟ s end) that could take at the time of making payment and you shall inform “TRUEMIND”/its authorized representatives/service provider immediately if the your bank account is debited and wherein corresponding Units have not been allotted.

10. In case of rejection of your purchase request by the mutual fund, the amount will be credited into your bank account only after the receipt of the refund from the relevant Mutual Fund.

11. You agree and acknowledge that transactions done through website will be tagged with the RIA Code of “TRUEMIND” (“INA100017089”) will be treated as Direct.

12. In the event of the termination of the agreement with “TRUEMIND” and BSE Star MF with the Mutual Fund/AMCs, you would not be allowed to execute through the website any transaction. In such cases, “TRUEMIND” will make available all your details to the Mutual Fund/AMCs, as are required by them to enable you to deal and interact directly with the AMCs/Mutual Fund from the date of such termination.

5) Reverse Feed and Portfolio Reporting:

You authorize “TRUEMIND” for receiving your investment details and reverse feed files from the AMCs/RTAs. You hereby give consent to share/provide the transactions data feed/portfolio holdings/ NAV etc. in respect of your investments under direct plans of all schemes adviced by “TRUEMIND” tagged with the SEBI Registered Investment Adviser Code of “TRUEMIND” (“INA100017089”).

6) Intellectual Property:

“TRUEMIND” owns all intellectual property rights in respect of the Services including any literature, reports, data, drawings, designs, diagrams, tables, software, source code or object code or other information or materials, howsoever stored or held, acquired, created, developed, designed or in any way prepared, by “TRUEMIND”.

The "TRUEMIND" name and logos and all related names, trademarks, service marks, design marks, and slogans are the trademarks or service marks of us or our licensors. You will not use the “TRUEMIND” logo in any manner that is deceptive or disparaging, or in connection with any product or service that “TRUEMIND” does not explicitly endorse.

Using our Services does not give you ownership of any intellectual property rights, including any branding or logos, in our Services or the content you access. You may not use content from our Services unless you obtain our permission first, and attribute ownership appropriately.

You agree that you shall not attempt to copy, modify, disassemble, decompile, translate or reverse engineer the underlying the application or create any derivative product based on such hardware/software.

7) Disclaimer

Your use of website, and the personal information you provide is at your sole discretion and risk. “TRUEMIND” and all materials, information, products and services included therein, are provided on an “as is” and “as available” basis without warranties of any kind from “TRUEMIND”.

a. “TRUEMIND” expressly disclaims all warranties of any kind, express, implied or statutory, relating to website, content and/or user information, including without limitation the warranties of title, merchantability, fitness for a particular purpose, non-infringement of proprietary rights, course of dealing or course of performance. “TRUEMIND” disclaims any warranties, express or implied:

1. regarding the availability, security, accuracy, reliability, timeliness and performance of website, content and/or user information;

2. that “TRUEMIND” and website will be error-free or that any errors will be corrected;

3. that website will be free from electronic viruses, malwares, phishing; or other malicious, destructive or undignified code, program.

4. regarding the performance of or accuracy, quality, currency, completeness or usefulness of any information, advice or projections provided by “TRUEMIND” and website including but not limited to information obtained through social media pages and digital content of “TRUEMIND”.

5. in the preparation of the content on website, emails, media & social media (Facebook, Twitter, LinkedIn, blogs, Youtube, Instagram and other media), “TRUEMIND” has used information that is publicly available, including information developed in-house. Information gathered and material used in the content is believed to be from reliable sources. “TRUEMIND” however does not warrant the accuracy, reasonableness and/or completeness of any information. For data reference to any third party in the content no such party will assume any liability for the same. All recipients of the content should before dealing and or transacting in any of the products referred to in the content make their own investigation, seek appropriate professional advice and carefully read the scheme information document. We include statements in the content, which contain words, or phrases such as “will”, “expect”, “should”, “believe”, and similar expressions or variations of such expressions that are “forward looking statements”. Actual results may differ materially from those suggested by the forward looking statements due to risk or uncertainties associated with our expectations with respect to, but not limited to, exposure to market risks, general economic and political conditions in India, inflation, deflation, unanticipated turbulence interest rates, foreign exchange rates, equity prices or other rates or prices, the performance of the financial markets in India and globally, changes in domestic and foreign laws, regulations and taxes and changes in competition in the industry. All data/information used in the preparation of the content is dated and may or may not be relevant any time after the issuance of the content. “TRUEMIND” takes no responsibility of updating any data/information in the content from time to time. “TRUEMIND” (including its affiliates) and any of its officers, partners, personnel and employees, shall not liable for any loss, damage of any nature, including but not limited to direct, indirect, punitive, special, exemplary, consequential, as also any loss of profit in any way arising from this use of the content in any manner. The recipient alone shall be fully responsible/are liable for any decision taken on the basis of the content.

No advice or information, whether oral or written, obtained by you from “TRUEMIND”, shall create any warranty not expressly stated in this Agreement. If you choose to rely on such information, you do so solely at your own risk.

Notwithstanding our recommendations and advice, your decisions, actions or omissions for investment/goal plans, advice from our representatives or research recommendations to buy, sell, hold or otherwise deal in the products shall be based on your own independent evaluation and verification of the risks and rewards and of all the relevant facts of the investments.

The information, suggestions or data provided on the website does not constitute advice and shall not be relied upon by the client while making investment decisions.

In no event shall “TRUEMIND” or any of its officers, directors, employees, or agents be liable to you for any damages whatsoever, including without limitation indirect, incidental, special, punitive, or consequential damages, arising out of or in connection with your use of website, content and/or user information, including but not limited to the quality, accuracy, or utility of the information provided as part of or through website or for any investment decisions made on the basis of such information, whether the damages are foreseeable and whether or not “TRUEMIND” has been advised of the possibility of such damages. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction and in no event “TRUEMIND's” cumulative liability to you shall exceed the amount of convenience fees/service charges/subscription charges paid by you for availing the services.

1. The services/facility may suspend or withdrawn at any time, and you acknowledge that the website account is also subject to interruption.

2. You acknowledge and agree that the Website and the linked backend infrastructure may be inaccessible and/or unavailable at times. In such an event “TRUEMIND” will not be liable for any damage, liability, action, cause of action, suit, claim, demand, loss, cost, and expense arising directly or indirectly from or in connection with such system inaccessibility and/or unavailability.

3. “TRUEMIND” /its authorised representative and its service provider shall not be liable for any loss or damage or other consequences arising from any suspension, breakdown, withdrawal, interruption, technical flaw, the presence of virus or other malicious, destructive or corrupting code, programs over the website Account or otherwise and any consequent delay or failure in completion of any payment or other instructions as a consequence thereof arising from the use or inability to use the website Account.

4. Mutual fund investments are subject to market risks, read all scheme-related documents carefully.

8) Regarding Investment/Goal Plan:

The Investment/Goal Plan of the client/user is prepared by website and is based on “TRUEMIND’s” understanding of assessing risk and suitability in line with the objectives and requirements of the client/user as per the details provided. “TRUEMIND” may use the information provided herein for the purposes of undertaking an internal "risk assessment" of the Client. The series of questions herein may help “TRUEMIND” to understand the client's/user’s risk profile and investment objectives to create Investment/Goal plan. The client/user is required to ensure that the client/user has provided accurate and complete information. The client/user is aware, acknowledges and agrees that if the client/user provides inaccurate and/or incomplete information, and/or chooses not to disclose certain information; such action will adversely affect the results of the investment/goal plan. Any suggested investment/goal plan is based on information provided by the client and TRUEMIND’s assessment of market situation and is only one of the many combinations of investment/goal plans that may be suggested to any client/user. The investment/goal plan provided by website to the client/user is not to be construed as investment advice of any type. Client/user will not solely rely on the views, representations (whether written or oral or otherwise), recommendations, opinions, reports, analysis, information or other statement made by website or any of its agents, partners, officers or employees and that the client/user will make the client's/user’s own assessment and rely on the client's/user’s own judgment in making any investment decision.

“TRUEMIND” research has taken due care and caution in preparing the investment/goal plan report based on the information obtained from you and by it from sources which it considers reliable (Data). However, “TRUEMIND” does not guarantee the accuracy, adequacy or completeness of the Data/Report and is not responsible for any errors or omissions or for the results obtained from the use of Data/Report. “TRUEMIND” especially states that it has no financial liability whatsoever to the subscribers/ users/ transmitters/ distributors of the investment/goal plan report. The final investment decision shall at all times exclusively remain with the investor. No part of investment/goal plan report may be published / reproduced in any form without “TRUEMIND”s prior written approval. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

All the features on website are tools to help you achieve your risk and return objectives. The tools do not guarantee the accurate outcome of any projections arrived at by using the tools. The client is solely responsible for taking any actions by using the information or interpretation from the tools which will result in any loss or gain on the investments.

9) Regarding Subscription Plan:

1. The client understands that website offers subscription plan and currently do not levy separate transaction charges. In case of non-payment or lapse of payment, “TRUEMIND” reserves the rights to cancel/terminate the subscription plan.

2. The Client acknowledges and agrees that website shall reserves the right to withdraw/modify the subscription plan, features under different subscription plans and transaction charges at any time and charge a different fees/charges in the future for the Services or any other services offered by “TRUEMIND”. Any such changes will be communicated by “TRUEMIND” via email 30 days ahead of implementation, and will be displayed on the website.

3. The Client confirms having read, accepted and understood the features of the subscription plan, applicable charges, privacy policy and related FAQs.

4. You grant Authority to “TRUEMIND” and its authorized payment processing service provider (third party service provider) to debit your registered Bank Account through National Payments Corporation of India’s ENACH (Electronic National Automated Clearing House) / NACH (National Automated Clearing House) to enable the collection of the subscription fees/fees (including taxes) and any other charges and transferring to the bank account of “TRUEMIND”. The services of TRUEMIND will be automatically renewed after the end of a specified period in the plan and subscription amount based on the last selected service plan will get automatically debited from the client’s registered bank account if the client doesn’t send a written email to connect@truemindcapital.com to terminate the services at least 30 days before the subscription period ends.

5. Website Account facility/services may at any time be suspended/disallowed /modified for such reason and for such time period as deem fit like inactive/dormant user id, noncompliance of the terms stated herein, death, insolvency, bankruptcy of the investor, any other cause arising out of the operation of law or such other reason as deems proper.

10) T&C for Online Systematic Investment Plans (SIP) through NACH/E NACH mandate

1. This facility is offered to investors having Bank accounts in select banks. “TRUEMIND” and AMCs will not liable for any transaction failures due to rejection by the clients bank/branch.

2. SIP through Auto Debit Facility is available on all days of the month. In case these days are non-business days for the scheme, then SIP will be processed on the next business day. Upon successful registration of mandate, you can start the online SIP facility for making investment in mutual funds a fixed amount of money at a fixed frequency of time based on your convenience and choice.

3. The investor agrees to abide by the terms and conditions of NACH facility of NPCI and E NACH/Direct Debit facility of Reserve Bank of India (RBI)

4. You grant Authority to “TRUEMIND” / BSE Star MF / its authorized payment processing service provider (third party service provider) to debit your registered Bank Account through National Payments Corporation of India’s ENACH (Electronic National Automated Clearing House) / NACH (National Automated Clearing House) to enable the collection of the SIP instalments and transferring to the respective AMC’s bank account. The conditions related to NACH are applicable as and when such a facility is made available.

5. You agree and acknowledge that in order to enable you to get the NAV on the SIP date (T date) chosen by you, debit of the SIP amount from your Bank Account shall happen few days prior to the SIP date (T). e.g. T-2, T-4 etc., depending upon E NACH / NACH debit cycle of your Bank, which could vary from location to location, as per E NACH / NACH mechanism. You understand and acknowledge that, website / its third party service provider shall do a backward calculation from T date and depending upon E NACH / NACH debit cycle, your account will be debited on T - no. of days, such that on T date (SIP day), the funds reach the respective AMC’s Bank account and the transaction data reach the respective registrar of AMC, to enable them to allot units as per NAV on T date.

6. Clients are required to ensure adequate funds in their bank account 5 days prior to the date of investment transaction. You understand and acknowledge that SIP instalment and allotment of units shall be subject to realization of funds. You shall not hold “TRUEMIND” /its third party Service Provider liable, in case the SIP instalment process could not be completed due to insufficient funds in your Bank account on any particular E NACH / NACH debit cycle date i.e. on T - no. of days. In such case, the SIP instalment shall lapse for that T of the month/quarter/half year/year as the case may be.

7. You agree, understand and acknowledge that in the entire process there would be an interim time lag in debiting the money from your Bank Account and the actual transferring / crediting to the respective AMC’s Bank account, as the money after the debited from your Bank Account shall be lying in the E NACH / NACH debit cycle and / or third party pool account, before the actual transfer of funds to AMC’s bank account on SIP date.

8. You can view the units allotted by AMC/registrar on the next day of SIP date (i.e. SIP day + 1 working day).

9. It may be noted that in case of insufficient funds in the client’s account or due to any technical reason if the amount is debited from the client’s account, the charges claimed by the client’s bank shall be waged by the client.

10. “TRUEMIND” shall not be liable towards such claims. “TRUEMIND” shall not be held liable for any decision taken by the user from investment plan or recommendations. It may be noted that user is wholly liable for the plan he/she chooses.

11. Investor will not hold “TRUEMIND”/BSE Star MF/AMCs and its service providers responsible if the transaction is delayed or not effected by the Investor’s Bank or if debited in advance or after the specific SIP date due to various reasons or for any bank charges debited by his banker in his account towards NACH/ E NACH/ Direct Debit Registration / Cancellation / Rejections, if any. “TRUEMIND” shall not be responsible and liable for any damages/compensation for any loss, damage etc., incurred by the investor. The investor assumes the entire risk of using the Auto Debit facility of NACH/E NACH/Direct Debit and takes full responsibility for the same.

12. “TRUEMIND” reserves the right to discontinue or modify the SIP facility at any time in future on a prospective basis. “TRUEMIND” reserves the right to discontinue the SIP in case of Auto Debit through NACH/E NACH/Direct Debit routes are rejected by the investor bank for any reasons. For load details, please refer to the Key Information Memorandum and the addendum issued from time to time.

13. “TRUEMIND” reserves the right to reject any application without assigning any reason thereof.

14. SIP cancellation can be done separately by submitting the request atleast 30 Business days in advance; however the associated NACH/Direct Debit/E NACH mandate can be retained for future investments. Requests for any changes/ cancellation in the NACH / Direct Debit / E NACH Bank Mandate request should be submitted atleast 30 Business days in advance.

15. Minimum Instalments: 12 and minimum investments of Rs.1000/instalment or as specified by AMCs from time to time. All Instalments should be of the same amount.

16. Investors are required to ensure adequate funds in their bank account on the date of investment transaction.

17. Investments made through Auto Debit/ E NACH/ Direct Debit mode are subject to realization of funds from investor bank accounts and the NAV guidelines will be applicable for the transactions which are connected with realization of funds

18. Auto Debit/ E NACH/Direct Debit bank mandate is applicable only for investments via Auto Debit/ E NACH/ Direct Debit instructions

19. The payment towards investment can happen only from the bank account of 1st holder and therefore the 1st holder need to be a holder in the bank account.

20. “TRUEMIND” is not liable for the bank charges, if any, debited from investor’s bank account, by the destination bank, on account of payment through NACH/ E NACH/ Direct Debit.

21. For further details of the Scheme features like minimum amounts, risk factors etc, investors should, before investment, refer to the Scheme Information Document(s), Key Information Memorandum and Addenda issued till date. “TRUEMIND” reserves the right to modify or discontinue the SIP facility at any time in future on a prospective basis. It is clarified that the load applicable for a SIP shall be the load prevailing on the date of registration.

11) Advisory Credits/Time

The advisory support is restricted to the advisory time allotted to you which includes on-call conversation or off-call work related to your investments and planning. For offline work, advisor will explain the time required for the same and equivalent credits will be debited from the client’s account on mutual agreement. 1 credit is equal to 15 minutes of the advisor time.

You will receive credits based on the chosen subscription plan. Once all the allotted credits are used up, you can purchase more credits or advisor time by connecting with “TRUEMIND”. At the end of one year of subscription, all the outstanding credits will extinguish and no remaining credits will be carried forward to the next year.

There are no advisor credit limits in the Gold Plan but the client needs to use this in an appropriate manner as and when needed by respecting the time of the advisor. We hold the right to change the credits at any time for all or a set of clients if we feel the facilities and services are being abused.

“TRUEMIND” offers appointment booking feature with an advisor. The minimum of two credits are consumed for each appointment booking. You can cancel any appointment 24 hours before the scheduled appointment.

12) Governing Law and Jurisdiction

The laws of India govern this Agreement and are subject to SEBI guidelines, circulars, press releases or notifications that may be issued by SEBI from time to time or the Government of India, to regulate the activities of RIAs (Registered Investment Advisors). All disputes are subject, firstly, to mediation, and then by Arbitration by a sole arbitrator appointed by “TRUEMIND”. The venue of arbitration will be Delhi. These terms shall be construed in accordance with the laws prevalent in India.

13) Confidentiality and Security

Except as required by law or requested by regulatory authorities, (a) “TRUEMIND” agrees to maintain in strict confidence all of Client’s non-public personal and financial information that Client furnishes to “TRUEMIND”, except for information that Client explicitly agrees to share publicly, and (b) Client agrees to maintain in strict confidence all investment advice and other non-public information that Client acquires from “TRUEMIND” in connection with the Account. Client agrees that Client shall not use investment recommendations and other confidential information Client receives from “TRUEMIND” for any purpose other than managing the Account, including, but not limited to, developing a service that competes with the Site or “TRUEMIND”’s services. The confidentiality clause will continue even post termination of this agreement.

14) Disclosure

1. The firm doesn’t receive any consideration by way of remuneration or compensation or in any other form whatsoever, received or receivable by it or any of its associates or subsidiaries for any distribution or execution services in respect of the products or securities for which the investment advice is provided to the client.

2. The firm before recommending the services of a stock broker or other intermediary to a client, will disclose any consideration by way of remuneration or compensation or in any other form whatsoever, if any, received or receivable by the firm and the client can choose if the client desires to avail the services of such intermediary.

3. The firm shall disclose to the client its holding or position, if any, in the financial products or securities which are subject matter of advice. The firm and its representatives invest in mutual funds and stocks for short term liquidity management and investment appreciation.