Terms & Conditions

This agreement outlines the terms and conditions to be followed by the users of the SMFS Group website, which includes the services provided by FundsCentre.in, LoanCentre.in, and BimaCentre.in. By creating an account and using this website or mobile app, users agree to the terms and conditions specified under this agreement of use.

Please ensure you read these terms and conditions carefully. Your acceptance of these terms creates a legally binding agreement between you (the "User") and SMFS Group. If you do not agree with these terms, you should refrain from using our services.

Eligibility

• To use the services provided by SMFS Group, including investing in mutual funds or applying for loans and insurance, you must be at least 18 years old and have the legal capacity to enter into contracts.
• You must use the website for legitimate purposes only, such as investing in mutual funds, applying for loans, or purchasing insurance products.
• SMFS Group is not responsible for aggregating or managing investments made on other platforms.

Account Registration and Information

• Users must provide accurate, complete, and current information at the time of registration. Failure to provide correct information may result in your transactions being delayed or rejected.
• SMFS Group reserves the right to cancel your registration if the information provided is incomplete, incorrect, or misleading in any way.
• By registering, you agree to maintain the confidentiality of your login credentials and accept responsibility for all activities that occur under your account.
• Any unauthorised access to your account due to negligence in protecting your login credentials is solely your responsibility.

Use of Services

• SMFS Group offers various services, including mutual fund investments, loans, and insurance products through its platforms, FundsCentre, LoanCentre, and BimaCentre. These services include, but are not limited to, tools, calculators, articles, reports, and alerts, hereinafter referred to as "the Services."
• By using the Services, you agree to comply with all applicable laws and regulations, including the terms specified by regulatory bodies such as SEBI, AMFI, and IRDAI.
• SMFS Group reserves the right to modify or discontinue any service at any time without prior notice. Continued use of the services after modifications signifies your acceptance of the updated terms and conditions.

Investment Guidelines

• Investments in mutual funds and securities are subject to market risks, and past performance is not indicative of future returns. Please read all offer documents carefully before investing.
• As per SEBI guidelines, for online transactions in mutual funds made after 1 pm, the next business day's Net Asset Value (NAV) will apply.
• SMFS Group does not guarantee the performance of any mutual fund scheme and will not be held liable for any losses incurred.

Changes to Terms and Conditions

• SMFS Group reserves the right to make changes to these Terms and Conditions at any time. Any such changes will be posted on the website or mobile app, and continued use of the services will signify your acceptance of the updated terms.
• If you disagree with the updated terms, you must discontinue using the services immediately.

Termination of Services

• SMFS Group reserves the right to terminate or restrict your access to services at any time, without notice, if you are found in violation of the terms and conditions.
• You agree that SMFS Group will not be liable to you or any third party for any termination of access to the Services.

Privacy and Confidentiality

• SMFS Group values your privacy. Please review our [Privacy Policy] for details on how we handle and protect your personal information.
• While SMFS Group takes reasonable precautions to protect your information, we are not liable for unauthorised access to your account resulting from your failure to secure your login credentials.

Third-Party Websites

• SMFS Group websites may contain links to external websites. We are not responsible for the privacy practices or the content of such external sites, and accessing these is at your own risk.

Disclaimer

• SMFS Group and its affiliates provide services on an "as-is" and "as-available" basis, without any warranties or guarantees. We do not guarantee that our services will be free from errors or interruptions.
• SMFS Group shall not be held responsible for any losses, damages, or delays resulting from the use of the services.

Governing Law

These terms and conditions will be governed by the laws of India. Any disputes arising out of or related to these terms shall be subject to the jurisdiction of the courts in Delhi.

Contact Us

For any questions regarding these terms and conditions, please contact us at: