Wealth Management Services - Terms & Conditions and Disclaimers

Wealth Management Services - Terms & Conditions and Disclaimers


FedNet Terms & Conditions

By accessing the Federal Bank Wealth Management Platform via FedNet, you agree to the following terms and conditions:

  1. Federal Bank provides Wealth Management services independently or in collaboration with regulated third-party service providers and distributors, ensuring full control and oversight over the User’s investment journey.
  2. Federal Bank is registered with the Association of Mutual Funds in India (AMFI) as an authorized Mutual Fund Distributor, in compliance with applicable regulatory requirements.
  3. Federal Bank is registered with the Association of Portfolio Managers in India (APMI) as an authorized Portfolio Management Services Distributor, in compliance with applicable regulatory requirements.
  4. The User’s access and use of the Platform will result in the Bank collecting, processing, and storing your personal and financial information in compliance with applicable laws.
  5. The Bank may share your data with regulated third-party entities (e.g., AMCs, RTAs, etc.) solely for the purpose of providing wealth management services, insurance, Depository Participant services, deposit-related services, and card-related services, in accordance with data protection and banking regulations.
  6. The User agrees to provide true, accurate, current, and complete information (including KYC, bank account details, FATCA/CRS declarations) and to promptly update any changes. The Bank may rely on such information for processing transactions and regulatory reporting.
  7. The User confirms to have reviewed the Key Information Memorandum, Scheme Information Document, Statement of Additional Information, and other relevant documents before investing.
  8. The User confirms to have read all the information, as received from the respective Asset Management Companies (AMCs). This includes, but is not limited to, the Statement of Additional Information (SAI), Scheme Information Document (SID), addenda, performance reports, fact sheets, portfolio disclosures, and brochures. Access full and updated scheme documents (SID, SAI, KIM, fact sheets) at Click here.
  9. The User confirms that the Bank has not deliberately withheld or omitted any material fact or information supplied by the AMCs that an investor should know or may want to know, including information about any scheme or transaction that may not be appropriate for the investor.
  10. You have viewed and updated yourself with the list of mutual funds affiliated with the Bank at Click here. You also confirm that you understand that the -
    • The information provided on the Platform is limited to the mutual fund products that are distributed or promoted by the Bank.
    • You have been advised to consider other alternate investment products that are not offered by the Bank before making any investment decision.
    • That the Bank strongly advised you to exercise independent judgment and, where necessary, seek professional advice to evaluate the suitability of any investment product in the context of your financial goals, risk appetite, and regulatory requirements.
  11. Net Asset Value (NAV) Applicability and Transaction Timelines:
    • Equity Funds: Subject to meeting all criteria and/or internal verification, the order(s) shall be treated as 'Valid Order'. For all such valid order(s) placed and authenticated via two factor authentication (OTP) as received on your registered contact details as updated in AMC records before 14:30 IST and funds credited to Indian Clearing Corporation Limited (ICCL) account on or before 14:00 IST, the applicable NAV for investment will be based on realisation of funds by the Asset Management Company (AMC) and the business logic at the corresponding Registrar & Transfer Agent (RTA).
    • Debt Schemes & Conservative Hybrid Funds (other than Liquid and Overnight Funds): Subject to meeting all criteria and/or internal verification, the order(s) shall be treated as ‘Valid Order’. For all such valid order(s) placed and authenticated via two factor authentication (OTP) as received on your registered contact details as updated in AMC records before 14:30 IST and funds credited to ICCL account on or before 14:00 IST, the applicable NAV will be based on realisation of funds by the AMC and the business logic at the corresponding RTA.
    • Liquid / Overnight Funds: Subject to meeting all criteria and/or internal verification, the order(s) shall be treated as ‘Valid Order’. For all such valid order(s) placed and authenticated via two factor authentication (OTP) as received on your registered contact details as updated in AMC records before 13:00 IST and funds credit to ICCL account on or before 12.30 IST, closing NAV of the previous business day shall be applicable.
    • For NRI clients: All valid investment transactions shall be processed subject to valid order(s) placed and authenticated via two factor authentication (OTP) as received on your registered contact details as updated in AMC records and clear funds available in ICCL account. NAV applicable would be as on date of processing.
    • For Redemptions /Switch : If the order is placed and authenticated via two factor authentication (OTP) as received on your registered contact details as updated in AMC records before 1500 IST, the units will be redeemed with same day NAV. Switch-In / Redemption amount will be credited to your bank account within 1-7 business days, depending on the category of fund and subject to RTA/AMC verification and successful processing.
    • For STP/SWP/ SIP : Once the Order is placed and authenticated via two factor authentication (OTP) as received on your registered contact details as updated in AMC records before 1500 IST, same will be sent for further processing along with the details selected while placing order to Asset Management Company (AMC) and will be processed basis AMC’s Turn Around Time (TAT) subject to RTA/AMC verification and successful processing.
  12. The User understands that the Bank does not deal with Direct Plans. All schemes offered are Regular Plans, which involve payment of commission to the Bank. The rate of commission received or receivable by the Bank for different schemes of various Mutual Funds shall be prominently disclosed. You can view the detailed commission structure at Click here.
  13. The User understands that the PMS (Portfolio Management Services) and AIF (Alternate Investment Funds) services offered are purely referral-based and strictly on a non-risk participation basis.
  14. The User agrees that all investment decisions made through the Wealth Management Platform shall be undertaken solely at the User’s discretion and risk. The Bank does not and shall not, under any circumstances, be deemed to provide investment advice, portfolio management services, or financial planning.
  15. The Bank may display or facilitate access to research material, fund comparisons, or risk profiling tools, which are purely for informational purposes and shall not constitute a recommendation or advisory of any kind. The final decision to invest in any product lies entirely with the User, after having reviewed the product documents, assessed the risk factors, and consulted independent advisors, if required.
  16. The Bank shall not be liable for any direct, indirect, incidental, or consequential losses arising from investment decisions, market fluctuations, third-party delays, or systemic failures.
  17. To the maximum extent permitted by law, the Bank shall not be liable for any loss, damage, or costs arising from system outages, downtime, latency, cyber incidents, malware, data breaches, denial-of-service attacks, integration failures, communication network issues, or any technical errors beyond the Bank’s reasonable control, including dependencies on third-party service providers (AMCs, RTAs, payment gateways, clearing corporations).
  18. The User is solely responsible for complying with applicable tax laws (including capital gains, TDS, and any other levies) and filing returns, disclosures, and documentation as required. The Bank does not provide tax advice.
  19. The User consents to receive disclosures, notices, OTPs, confirmations, statements, and other communications electronically via the Platform, email, SMS, or in-app notifications. Electronic delivery constitutes effective service of such communications.
  20. The User is responsible for safeguarding the User’s login credentials, devices, and OTPs. The User must notify the Bank immediately of any suspected unauthorized access. Transactions authenticated using User’s credentials/OTPs will be deemed to have been authorized by the User.
  21. The User confirms to have read and agreed to the General Terms and Conditions of FedNet – the Internet Banking Services of The Federal Bank Limited available at Click here.
  22. The Bank may suspend or terminate your access to the Platform, in whole or in part, with or without notice, in the event of suspected fraud, misuse, AML/CFT concerns, violation of these Terms, or pursuant to regulatory directions.
  23. The Bank may update, modify, or amend these Terms and Conditions to reflect changes in law, regulation, supervisory guidance (including SEBI/AMFI directives), or operational requirements. The updated Terms will be published on the Platform and shall take effect upon publication unless otherwise specified.
  24. By proceeding, the User acknowledges and accept these Terms and Conditions in full.

  

 

FedMobile Terms & Conditions
 
By accessing the Federal Bank Wealth Management Platform via FedMobile, you agree to the following:

  1. Federal Bank provides Wealth Management services independently or in collaboration with regulated third-party service providers and distributors, ensuring full control and oversight over the User’s investment journey.
  2. Federal Bank is registered with the Association of Mutual Funds in India (AMFI) as an authorized Mutual Fund Distributor, in compliance with applicable regulatory requirements.
  3. Federal Bank is registered with the Association of Portfolio Managers in India (APMI) as an authorized Portfolio Management Services Distributor, in compliance with applicable regulatory requirements.
  4. The User’s access and use of the Platform will result in the Bank collecting, processing, and storing your personal and financial information in compliance with applicable laws.
  5. The Bank may share your data with regulated third-party entities (e.g., AMCs, RTAs, etc.) solely for the purpose of providing wealth management services, insurance, Depository Participant services, deposit-related services, and card-related services, in accordance with data protection and banking regulations.
  6. The User agrees to provide true, accurate, current, and complete information (including KYC, bank account details, FATCA/CRS declarations) and to promptly update any changes. The Bank may rely on such information for processing transactions and regulatory reporting.
  7. The User confirms to have reviewed the Key Information Memorandum, Scheme Information Document, Statement of Additional Information, and other relevant documents before investing.
  8. The User confirms to have read all the information, as received from the respective Asset Management Companies (AMCs). This includes, but is not limited to, the Statement of Additional Information (SAI), Scheme Information Document (SID), addenda, performance reports, fact sheets, portfolio disclosures, and brochures. Access full and updated scheme documents (SID, SAI, KIM, fact sheets) at Click here.
  9. The User confirms that the Bank has not deliberately withheld or omitted any material fact or information supplied by the AMCs that an investor should know or may want to know, including information about any scheme or transaction that may not be appropriate for the investor.
  10. You have viewed and updated yourself with the list of mutual funds affiliated with the Bank at Click here. You also confirm that you understand that the:
    • The information provided on the Platform is limited to the mutual fund products that are distributed or promoted by the Bank.
    • You have been advised to consider other alternate investment products that are not offered by the Bank before making any investment decision.
    • That the Bank strongly advised you to exercise independent judgment and, where necessary, seek professional advice to evaluate the suitability of any investment product in the context of your financial goals, risk appetite, and regulatory requirements.
  11. NAV Applicability and Transaction Timelines:
    • Equity Funds: Subject to meeting all criteria and/or internal verification, the order(s) shall be treated as 'Valid Order'. For all such valid order(s) placed and authenticated via two factor authentication (OTP) as received on your registered contact details as updated in AMC records before 14:30 IST and funds credit to Indian Clearing Corporation Limited (ICCL) account on or before 14:00 IST, The Applicable NAV for investment will be based on realisation of funds by the Asset Management Company (AMC) and the business logic at the corresponding Registrar & Transfer Agent (RTA).
    • Debt Schemes & Conservative Hybrid Funds (other than Liquid and Overnight Funds): Subject to meeting all criteria and/or internal verification, the order(s) shall be treated as ‘Valid Order’. For all such valid order(s) placed and authenticated via two factor authentication (OTP) as received on your registered contact details as updated in AMC records before 14:30 IST and funds credit to ICCL account on or before 14:00 IST, the Applicable NAV will be based on realisation of funds by the AMC and the business logic at the corresponding RTA.
    • Liquid / Overnight Funds: Subject to meeting all criteria and/or internal verification, the order(s) shall be treated as ‘Valid Order’. For all such valid order(s) placed and authenticated via two factor authentication (OTP) as received on your registered contact details as updated in AMC records before 13:00 IST and funds credit to ICCL account on or before 12.30 IST, closing NAV of the previous business day shall be applicable.
    • For NRI clients: All valid investment transactions shall be processed subject to valid order(s) placed and authenticated via two factor authentication (OTP) as received on your registered contact details as updated in AMC records and clear funds available in ICCL account. NAV applicable would be as on date of processing.
    • For Redemptions /Switch : If the order is placed and authenticated via Two factor authentication (OTP) as received on your registered contact details as updated in AMC records before 1500 IST, the units will be redeemed with same day NAV. Switch-In / Redemption amount will be credited to your bank account within 1-7 business days, depending on the category of fund and subject to RTA/AMC verification and successful processing.
    • For STP/SWP/ SIP : Once the Order is placed and authenticated via Two factor authentication (OTP) as received on your registered contact details as updated in AMC records before 1500 IST, same will be sent for further processing along with the details selected while placing order to Asset Management Company (AMC) and will be processed basis AMC’s Turn Around Time (TAT) subject to RTA/AMC verification and successful processing.
  12. The User understands that the Bank does not deal with Direct Plans. All schemes offered are Regular Plans, which involve payment of commission to the Bank. The rate of commission received or receivable by the Bank for different schemes of various Mutual Funds shall be prominently disclosed. You can view the detailed commission structure at Click here.
  13. The User understands that the PMS (Portfolio Management Services) and AIF (Alternate Investment Funds) services offered are purely referral-based and strictly on a non-risk participation basis. The User agrees that all investment decisions made through the Wealth Management Platform shall be undertaken solely at the User’s discretion and risk. The Bank does not and shall not, under any circumstances, be deemed to provide investment advice, portfolio management services, or financial planning.
  14. The Bank may display or facilitate access to research material, fund comparisons, or risk profiling tools, which are purely for informational purposes and shall not constitute a recommendation or advisory of any kind. The final decision to invest in any product lies entirely with the User, after having reviewed the product documents, assessed the risk factors, and consulted independent advisors, if required.
  15. The Bank shall not be liable for any direct, indirect, incidental, or consequential losses arising from investment decisions, market fluctuations, third-party delays, or systemic failures.
  16. To the maximum extent permitted by law, the Bank shall not be liable for any loss, damage, or costs arising from system outages, downtime, latency, cyber incidents, malware, data breaches, denial-of-service attacks, integration failures, communication network issues, or any technical errors beyond the Bank’s reasonable control, including dependencies on third-party service providers (AMCs, RTAs, payment gateways, clearing corporations).
  17. The User is solely responsible for complying with applicable tax laws (including capital gains, TDS, and any other levies) and filing returns, disclosures, and documentation as required. The Bank does not provide tax advice.
  18. The User consents to receive disclosures, notices, OTPs, confirmations, statements, and other communications electronically via the Platform, email, SMS, or in-app notifications. Electronic delivery constitutes effective service of such communications.
  19. The User is responsible for safeguarding the User’s login credentials, devices, and OTPs. The User must notify the Bank immediately of any suspected unauthorized access. Transactions authenticated using User’s credentials/OTPs will be deemed to have been authorized by the User.
  20. The User confirms to have read and agreed to the General Terms and Conditions of FedMobile available at Click here.
  21. The Bank may suspend or terminate your access to the Platform, in whole or in part, with or without notice, in the event of suspected fraud, misuse, AML/CFT concerns, violation of these Terms, or pursuant to regulatory directions.
  22. The Bank may update, modify, or amend these Terms and Conditions to reflect changes in law, regulation, supervisory guidance (including SEBI/AMFI directives), or operational requirements. The updated Terms will be published on the Platform and shall take effect upon publication unless otherwise specified.
  23. By proceeding, the User acknowledges and accept these Terms and Conditions in full.

 

 

KYC & FATCA Terms and Conditions

I/We acknowledge and confirm that the information provided above is true and correct to the best of my/our knowledge, information and belief. In case any of the above specified information is found to be false or untrue or misleading or misrepresenting, I/We am/are aware that I/We may be liable for it and the legal consequences thereof. I/We hereby authorize you to disclose, share, rely, remit in any form, mode or manner, all / any of the information provided by me, including all changes, updates to such information as and when provided by me to / any of the Mutual Fund, its Sponsor, Asset Management Company, trustees, their employees / RTAs ('the Authorized Parties') or any Indian or foreign governmental or statutory or judicial authorities / agencies including but not limited to the Financial Intelligence Unit-India (FIU-IND), the tax / revenue authorities in India or outside India wherever it is legally required and other investigation agencies without any obligation of advising me/us or obtaining my/our consent for the same. Further, I/We authorize to share the given information to regulated Intermediaries to facilitate single submission / update & for other relevant purposes. I/We also undertake to keep you informed in writing about any changes / modification to the above information in future and also undertake to provide any other additional information as may be required at your / Funds’ end or by domestic or overseas regulators/ tax authorities. I/We authorize Federal Bank/Fund/AMC/RTA to provide relevant information to upstream payors to enable withholding to occur and pay out any sums from my account or close or suspend my account(s) without any obligation of advising me of the sameI acknowledge the Bank may report my financial information to relevant tax authorities per FATCA/CRS and that incorrect or missing information may trigger withholding or account restrictions. I am not subject to sanctions under OFAC/UN/UAPA/WMD or other applicable regimes and acknowledge that any misrepresentation in this regard will make me liable and in case of any such match found out by the Bank at any point of time entitles the Bank/AMC/Fund/RTA to exit this relationship permanently without any further notice. I agree to update this declaration and submit revised forms promptly upon any change in circumstances. I/We hereby declare that I/We am/are not a Politically Exposed Person (PEP) as defined by regulatory authorities. I/We further declare that I/We am/are not a close relative or associate of any PEP. I/We undertake to immediately inform the Bank in writing if this status changes or I/We subsequently become a PEP, a close relative, or an associate of a PEP. I/We declare that I/We am/are the ultimate beneficial owner(s) of the funds and assets to be invested and am/are not acting on behalf of any other undisclosed principal or beneficial owner. I/We declare that the funds to be invested through the wealth management platform are from legitimate sources and are not the proceeds of any crime or illicit activity. I/We have provided/will provide accurate information on the source of my/our wealth and funds as requested by the Bank. I/We acknowledge that I/We have read, understood, and agree to the Bank’s Privacy Policy (available on the Bank's website and at its branches) and consent to the collection, use, processing, and sharing of my/our personal data as described therein and in these declarations. I/We confirm that these declarations are made in conjunction with, and are in addition to, the main "Investment Services Terms and Conditions" for the wealth management platform, which I/We have read, understood, and agree to be bound by.

 

Investment Services Account (ISA) Opening Form Terms and Conditions

I/We understand that Mutual Fund (MF) transactions executed through my/our Investment Account with The Federal Bank Ltd. will be routed through the NSE NMF II / BSE Star MF platform of the National Stock Exchange of India Ltd. (NSE) / Bombay Stock Exchange Ltd. (BSE).By signing this registration form, I/We confirm our acceptance to register under the NSE NMF II / BSE Star MF platform and agree to abide by the terms and conditions prescribed by NSE/BSE from time to time (2) I/We understand that these platforms are used to route MF transactions from Federal Bank to respective Asset Management Companies (AMCs) and Registrar and Transfer Agents (RTAs). (3) I/We confirm that the information provided is true and correct. (4) I/We authorize NSE/BSE to collect the following data/information related to our MF investments from all AMCs and their respective RTAs (i) Distributor-wise transaction data for past, present, and future transactions carried out through various platforms, including those submitted at AMC acceptance points, provided the distributor is registered with NSE NMF II / BSE Star MF (ii) Scheme-wise consolidated unit balance available in my/our account as and when required. (5) I; (6) I/We authorize Federal Bank to correspond with and give notice to the mutual fund, the corresponding asset management company or any other product provider on my behalf; (7) I/We authorize Federal Bank to instruct the mutual fund and/or the corresponding asset management company to make note of instructions with regard to nomination/change in investment plan/any other changes. (8) I/We authorize Federal Bank to disclose, exchange, share or part with all/any information relating to me or my Investment Account with BSE/NSE, third-party product providers (or any other third party so authorized by the third-party product providers) or any regulator and/or service providers of the Bank for the purpose of providing the services related to the account being opened by me/us. (9) I/We authorize Federal Bank to utilize, share my KYC information and documents such as identity (name, PAN, age, details, etc.), address and signature in the Bank’s records for sending it to Asset Management Companies (AMC) / Registrar and Transfer Agents (RTA) of the AMCs (CAMS/Karvy/Sundaram BNP Paribas/Franklin Templeton/Any other RTA or AMC’s) or any other party related to the transaction, along with other KYC details for facilitating transactions based on my/our instructions. (10) I/We authorize Federal Bank to use and forward my signatures in Bank records to the RTA/ AMC for processing of any transactions and for their records. I/We accept that for any future transaction/request that come through offline channels (with wet signatures), RTA/AMC would use signature so provided by Bank for signature verification and in the event of such signature not being available or legible, RTA/AMC

I I/We hereby confirm that all acts, deeds, and actions undertaken by Federal Bank based on my/our  instructions shall be binding on me/us.

I/We further agree, understand, undertake and confirm

(1) that any changes/updates to the Terms and Conditions governing my account and related services can be made by the Bank at its sole discretion, and would only be available on Federal Bank’s website, and that my continued used of the account and related services would constitute deemed acceptance of the revised Terms and Conditions. (2) that all such acts and deeds done for and on my behalf shall be binding on me and my successors & legal heirs. (3. (5) That the Bank is acting as distribution agent of various mutual funds, and other investment product provider and is not acting as principal. (6) that I/We shall not hold the Bank liable for any loss or damage caused because of failure or delay of mutual funds to deliver any unit purchased or to make payment for any unit(s) sold and shall keep the bank harmless and free from any claim in respect thereof. The Bank shall also not be liable for any delay, failure or refusal of mutual fund in registering or transferring units in my/our name or for any interest, dividend or other loss caused to me/us arising therefrom. (7) That investments in mutual funds/other securities are subject to market risks including possible loss of principal. (8) That the value of my investments may fluctuate. If I/we redeem/liquidate my/our units or securities, I/we may receive more or less than what I had invested depending on the market value of the units/securities. (9) that past results are not guarantee of future performance. (10) That all decisions to purchase/redeem units/securities are solely made by me/us based on my/our personal judgement arrived after due consideration. (11) That the Bank does not in any manner guarantee payment/liquidity/redemption/repayment of any units/securities/dividend/interest or any other income/profits nor does the Bank make any offer for purchase/sale of any units. (12) . (13) That the amount investment by me/us are not bank deposits and are not insured/endorsed/guaranteed by the Bank. (14) That as a holder in an investment account, I/We, along with other holder(s), if any, shall be bound by any valid transactions, including any transaction that results in new folio, done by any holder(s) of the Investment Account in accordance with these Investment Services Terms and Conditions (as if given by each of the holders personally/jointly). (15) That in case my/our signatures are not available in Bank records, the Mutual Fund transaction under banks Wealth Management Services can be rejected by Bank or Mutual Fund AMC/RTA. (16) That it is my/our obligation to ensure that my/our signatures are in Bank’s records. (17) That the I/We shall also have an unfettered and unrestricted right to approach the AMC directly. (18) That acceptance of these Terms and Conditions are voluntary. (19) That I/We shall read the relevant offer documents carefully before making any investments. (20) That all acts, deeds and things done by the Bank in line with the Terms would be binding on me/us. The above authorization and acceptance of Terms would be applicable on all Investment transactions and Investments holdings where I/We am/are sole or one of the holders whether in existing or new folios/Investment accounts. (21) That the services provided by the Bank are subject to General Terms and Conditions as stated on the Bank’s website: www.federalbank.co.in (22) I/We agree to indemnify and keep indemnified the Bank, its directors, officers, employees, agents, representatives, and affiliates from and against any and all losses, damages, liabilities, costs, claims, or expenses (including reasonable legal fees) that may arise directly or indirectly from: a) any breach by me/us of these Terms and Conditions or of any applicable law or regulation; b) the Bank acting in good faith on any instructions, communications, or documents believed to have been issued by or on behalf of me/us; c) any inaccurate, incomplete, or misleading information, data, or document provided by me/us; and d) any third-party claims arising from or in connection with my/our use of the Bank’s services or platforms. I/We understand that this indemnity shall survive the termination of the services or closure of my/our account. (23) I/We agree to pay all applicable fees, commissions, charges, and statutory levies as may be prescribed by the Bank and/or statutory/regulatory authorities, from time to time. I/We hereby authorize the Bank to debit any of my/our accounts maintained with the Bank for all such amounts due, including fees, charges, taxes, and the principal amount for investment transactions executed through the Bank’s platform. (24) I/We understand that the Bank shall not be responsible or liable for any failure, delay, interruption, or non-performance of its obligations due to circumstances beyond its reasonable control, including but not limited to acts of God, natural calamities, war, terrorism, civil unrest, pandemics, strikes, lockouts, labour disputes, failure of communication or power systems, software or hardware malfunction, or any regulatory or governmental action. I/We agree that the Bank’s obligations shall stand suspended during such period and that the Bank shall not be held liable for any loss or inconvenience suffered by me/us due to such events. (25) I/We understand and acknowledge that transactions executed through the Bank’s online or digital platforms are subject to risks inherent in electronic communication and technology-based systems. Accordingly: a) I/We shall be solely responsible for maintaining the confidentiality of all login credentials, passwords, OTPs, and authentication details, and for all transactions carried out using such credentials; b) I/We agree that the Bank shall be deemed to have acted upon valid instructions where such transactions are authenticated in the prescribed manner; and c) I/We agree that the Bank shall not be liable for any loss or damage arising from system downtime, technical glitches, communication errors, unauthorized access, or malware. (26) I/We agree that the Bank shall have the right, at its sole discretion, to suspend, restrict, or terminate my/our access to or use of the investment or related services, with or without prior notice, in cases including (but not limited to) the following: a) any breach by me/us of these Terms and Conditions or any applicable law; b) any requirement or directive of a court, government, or regulatory authority; c) incomplete or unsatisfactory KYC/AML compliance; d) suspicion of fraud, misuse, or unauthorized use of the services; or e) a decision by the Bank to discontinue or modify any product, service, or platform. I/We agree that the Bank shall not be liable for any loss, damage, or inconvenience arising from such suspension or termination. (27) I/We acknowledge that the Bank is providing an execution-only platform to facilitate my/our transactions in investment products offered by third parties. I/We understand that the Bank does not provide any investment, financial, tax, or legal advice, nor does it recommend or solicit the purchase or sale of any particular security or product. I/We further agree that any information, market data, research reports, or analysis made available through the Bank’s platform are purely for informational purposes and do not constitute advice or a recommendation. I/We am/are solely responsible for evaluating the suitability of my/our investment decisions and for seeking independent professional advice, wherever necessary. (28) I/We agree to provide and maintain true, complete, and updated information, documents, and declarations as required under applicable laws, including Know Your Customer (KYC), Anti-Money Laundering (AML), and FATCA requirements. I/We acknowledge that failure to provide such information or documents may result in rejection, suspension, or termination of my/our transactions or accounts without any liability to the Bank. I/We further authorize the Bank to share or disclose my/our information with any authority or third party as required under applicable law. (29) I/We understand that the services offered by the Bank are subject to applicable laws, regulations, and policies of the Bank and relevant third-party service providers. I/We acknowledge that the Bank does not guarantee any returns or the performance of any investment product and shall not be liable for any loss, damage, or expense incurred by me/us in relation to any investment or transaction made through the Bank’s platform. (30) I/We agree that these Terms and Conditions shall be governed by and construed in accordance with the laws of India. I/We further agree that any dispute, claim, or controversy arising out of or in connection with these Terms and Conditions, including any question regarding their existence, validity, interpretation, or termination, shall be subject to the exclusive jurisdiction of the competent courts at Ernakulam, Kerala.