Terms & Conditions

1. Definitions

2. Nature of Services — MFD, Not an Investment Adviser

Niveau Financial Services provides the following services as a licensed intermediary:

• Facilitating purchase, redemption, and switch of Mutual Fund units on behalf of investors
• Distributing insurance products as an IRDAI-licensed intermediary
• Distributing Portfolio Management Services (PMS) as an APMI-registered distributor
• Distributing Alternative Investment Funds (AIF) as a SEBI-registered distributor
• Distributing Specialised Investment Funds (SIF) as an AMFI-registered SIF distributor
• Distributing National Pension System (NPS) as a PFRDA-registered Point of Presence (POP)
• Providing general financial information and educational content for investor awareness
• Providing financial calculators and planning tools for illustrative and educational purposes

3. No Guaranteed Returns — Mandatory Risk Disclosure

4. Website Use — Permitted & Prohibited

You may use our website for the following purposes:

• Reading educational content, articles, and scheme information
• Using financial calculators for personal planning purposes
• Contacting us for information about our services
• Downloading publicly available documents and disclosures

The following uses are strictly prohibited:

• Using the website for any unlawful or fraudulent purpose
• Reproducing, copying, or redistributing our content without written permission
• Attempting to gain unauthorized access to our systems or data
• Using automated tools, bots, or scrapers to extract data from our website
• Transmitting viruses, malware, or any harmful code through our website
• Misrepresenting your identity or providing false information
• Using our website content for commercial purposes without prior written permission

5. Calculators & Financial Tools — Disclaimer

6. Intellectual Property

• All content on this website including text, graphics, logos, icons, images, calculators, and software is the intellectual property of Niveau Financial Services or its licensors
• You may not reproduce, duplicate, copy, sell, or exploit any portion of the website without express written permission from Niveau Financial Services
• The 69443 registration and AMFI registration details are proprietary to Niveau Financial Services
• Third-party trademarks, including AMC logos and AMFI/SEBI logos, are the property of their respective owners

7. Third-Party Links

Our website may contain links to third-party websites including AMC portals, AMFI, SEBI, CAMS, KFintech, and other regulatory portals. These links are provided for your convenience and information only.

• Niveau Financial Services does not endorse, control, or take responsibility for the content, privacy practices, or accuracy of any third-party website
• Clicking on external links is at your own risk
• We recommend reading the privacy policy and terms of any third-party website you visit

8. Limitation of Liability

• Niveau Financial Services shall not be liable for any direct, indirect, incidental, or consequential loss arising from your use of this website or our services beyond what is mandated by applicable law
• We are not liable for any investment losses arising from market fluctuations or the performance of any financial product
• We are not liable for any technical issues, website downtime, or data loss beyond our reasonable control
• Our liability in any case shall be limited to the commission or fee directly earned from the specific transaction in question
• This limitation does not apply to death or personal injury caused by our negligence, or to any liability that cannot be excluded by law

9. Investor Responsibilities

• You are responsible for providing accurate, complete, and up-to-date personal and financial information
• You must read all scheme-related documents (SID, SAI, KIM) before investing in any Mutual Fund scheme
• You must complete KYC formalities before any investment transaction
• You are responsible for maintaining the confidentiality of your login credentials, OTPs, and transaction details
• You must promptly inform Niveau Financial Services of any change in your financial situation, risk profile, or contact details
• You are responsible for meeting your tax obligations arising from investments made through Niveau Financial Services
• You must not share your folio number, account details, or transaction history with unauthorized persons

10. Commission Disclosure

Niveau Financial Services receives trailing commission from AMCs on Regular Plan Mutual Fund investments. This commission is part of the Total Expense Ratio (TER) and is not an additional charge to investors.

• Commission details are disclosed on our Commission Disclosure page at www.niveau.in/commission-disclosure
• The exact commission earned by Niveau Financial Services on your investments is visible in your Consolidated Account Statement (CAS)
• Niveau Financial Services does not receive any non-cash benefits, gifts, or incentives from any AMC
• All recommendations are based on investor suitability — never on commission rates

11. Privacy Policy

Your use of this website and our services is also governed by our Privacy Policy, which is incorporated into these Terms & Conditions by reference. Our Privacy Policy describes how we collect, use, store, and protect your personal data in compliance with the Digital Personal Data Protection Act 2023 (DPDPA 2023). Please read our Privacy Policy at www.niveau.in/privacy-policy.

12. Amendments to Terms

Niveau Financial Services reserves the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting on the website with an updated "Last Updated" date. Material changes will be communicated to registered investors via email. Your continued use of our website or services after any changes constitutes acceptance of the updated Terms & Conditions.

13. Termination

Niveau Financial Services reserves the right to terminate or suspend your access to our website or services at any time, without notice, for conduct that we believe:

• Violates these Terms & Conditions or applicable law
• Is harmful to other users, Niveau Financial Services, AMCs, or any third party
• Involves fraudulent, abusive, or unlawful activities

Termination does not affect your existing investment positions, which remain with the respective AMCs independent of Niveau Financial Services.

14. Governing Law & Jurisdiction

15. Contact Us