Terms & Conditions

1. Nature of Services

Saving Pulse is a financial services brand operated under Future Star Investment, an AMFI (Association of Mutual Funds in India) registered mutual fund distributor. We provide financial product distribution services in compliance with regulations set by the Securities and Exchange Board of India (SEBI) and AMFI guidelines.

We distribute financial products including but not limited to:

• Mutual Funds (Equity, Debt, Hybrid, Liquid, etc.)
• Systematic Investment Plans (SIPs)
• Insurance Products
• Investment Advisory Services

Important: We do not provide discretionary portfolio management services. All investment decisions remain with the client based on their informed choice and understanding of the products.

2. No Guarantee of Returns

Saving Pulse does not guarantee returns on any financial product. All investments in mutual funds and other financial products are subject to market risks, including:

• Market volatility and price fluctuations
• Potential loss of principal amount
• Interest rate risks
• Credit risks
• Systemic and macroeconomic risks

Each client is responsible for understanding these risks before investing. The value of units may increase or decrease based on market conditions and fund performance.

3. Commission Disclosure

Saving Pulse receives commission and / or trail commissions from:

• Asset Management Companies (AMCs) for distribution of mutual fund schemes
• Insurance companies for distribution of insurance products
• Other financial service providers

This compensation model is standard in the financial services industry and does not impede our ability to provide objective recommendations based on your financial goals and risk profile.

4. Client Responsibility

Clients are responsible for:

• Providing accurate and complete financial information during registration and KYC verification
• Keeping all account credentials and login information confidential
• Reporting any unauthorized access or suspicious activity immediately
• Reviewing all investment documents, prospectuses, and scheme information documents (SID) before investing
• Maintaining accurate contact information (email, phone, address)
• Complying with all applicable tax obligations and regulations
• Understanding their own risk tolerance and investment objectives

Accuracy of Information: Investment recommendations and advisory services provided by Saving Pulse are based on information furnished by clients. Any inaccuracy in information provided may lead to inappropriate recommendations. Clients assume full responsibility for the accuracy of information shared.

5. Risk Acknowledgement

By using Saving Pulse services, clients acknowledge and accept the following risks:

Risk Profiling: We conduct risk profiling during onboarding to understand your risk appetite and investment horizon. It is your responsibility to ensure that the recommended portfolio matches your risk tolerance.

6. Intellectual Property

All content, materials, designs, logos, and trademarks on the Saving Pulse website, mobile application, and marketing materials are the exclusive property of Future Star Investment / Saving Pulse.

Restrictions: You may not:

• Copy, reproduce, or distribute any content without explicit written permission
• Modify, translate, or create derivative works based on our materials
• Use our trademarks, logos, or brand name without authorization
• Reverse engineer or attempt to extract proprietary information

Fair Use: You may view and print content for personal, non-commercial use only, provided that all copyright and proprietary notices are retained.

7. Limitation of Liability

Exclusions from Liability: Saving Pulse shall not be liable for:

• Market losses or investment performance variations
• Loss of profits or opportunity costs
• Indirect, incidental, or consequential damages
• Economic downturn, recession, or market crashes
• Global events beyond our control (pandemics, wars, natural disasters)
• Actions or omissions of Asset Management Companies or third-party service providers
• Delays or disruptions in service due to technical issues or force majeure

Limitation Cap: To the extent permitted by law, Saving Pulse's total liability shall not exceed the fees paid by the client in the twelve (12) months preceding the claim.

8. Account Opening & KYC

Know Your Customer (KYC) Requirements: As mandated by SEBI and AMFI, all clients must complete KYC verification before investing. This is a one-time process and is mandatory.

Required Documents:

• Valid government-issued ID (Passport, PAN card, Aadhar, Driver's License)
• Proof of address (Utility bill, Rental agreement, Aadhar)
• Bank account details for transactions
• Photograph and digital signature

Data Security: All personal information is processed securely and stored in compliance with RBI and SEBI data protection guidelines. We do not share your information with third parties without your consent, except as required by law.

9. Conduct & Usage

Prohibited Activities: Users agree not to:

• Use the platform for any illegal or fraudulent activity
• Attempt unauthorized access to systems or data
• Share login credentials or account access with others
• Engage in market manipulation or insider trading
• Harass, threaten, or abuse our staff members
• Post defamatory, abusive, or obscene content
• Violate any applicable laws or regulations

Suspension & Termination: Saving Pulse reserves the right to suspend or terminate accounts that violate these terms without prior notice.

10. Amendments & Termination

Right to Amend: Saving Pulse reserves the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting to the website. Your continued use of the platform constitutes acceptance of amended terms.

Termination of Services: Clients may request termination of services by contacting us in writing. Existing investments will be handled as per scheme rules and regulatory requirements. Any pending transactions will be completed before account closure.

Survival: Provisions regarding limitation of liability, intellectual property, and dispute resolution shall survive termination of these terms.