These Terms govern the use of services provided by Parag Estate and Succession Services LLP (ARN 330915).

Nature of Services

We are an AMFI Registered Mutual Fund Distributor and provide distribution services for mutual funds and related financial products.

We do NOT:

• Provide SEBI Registered Investment Advisory (RIA) services
• Guarantee returns or profits
• Offer discretionary portfolio management services

Investment Risk

All mutual fund investments are subject to market risks:

• NAVs may rise or fall
• Past performance is not indicative of future results
• Investors should read all scheme-related documents carefully before investing

Execution of Transactions

All transactions are executed through:

• Asset Management Companies (AMCs)
• Authorized platforms and RTA systems

We act only as an intermediary distributor.

Investor Responsibility

Investors are responsible for:

• Providing accurate KYC information
• Reviewing scheme documents (SID, SAI, KIM)
• Understanding risk factors before investing

Fees & Commission

We earn commissions from AMCs for mutual fund distribution. These commissions are not charged separately to investors. The commission received by us is not an additional charge to the investor and is paid by the respective AMCs from their expense structure.

Limitation of Liability

We are not liable for:

• Market losses
• Delays caused by third-party systems (AMC/RTA/banks)
• Technical failures beyond our control

Governing Law

These terms are governed by the laws of India. Any disputes shall fall under jurisdiction of Delhi courts.