By creating an account and using the website, the users agree to comply with and be bound by the terms and conditions mentioned herein. The Terms of Use, together with the 'Privacy Policy' govern ClickIRR Technologies Pvt. Ltd.'s (ClickIRR) relationship with the user. The term “ClickIRR Technologies Pvt. Ltd.” (or "ClickIRR" / "us" / "we") refers to the owner of the website. The term "you" refers to the user or viewer of our website.

TERMS OF USE

You understand and accept that ClickIRR maintains the website – http://www.ClickIRR.com (referred to as the “site” or “website” on this page) to provide you with information about ClickIRR, its services and products, and to enable you to avail its services. You also accept that you are required to read the below terms, and the use of the site by you constitutes your acceptance and agreement to be bound by such terms. You will also be bound by changes therein to the terms from time-to- time as communicated and made available on the website.

You are aware and accept that all information, content, materials, products (including, but not limited to text, content, photographs, graphics, video and audio content) on the website is protected by copyright in favour of ClickIRR under the applicable copyright laws and the general intellectual property law.

The website contents include the “look and feel” in the form of text, graphics and images, logos and button icons, photographs and editorial content and notices. It also includes Software, HTML-based computer programs and other material that are purchased/licensed by/to ClickIRR and/or its third-party service providers/their licensors. ClickIRR, third-party service providers and its licensors hold the authority to the contents and other data on the website and are copyright, trademark and legal holder of the same. By agreeing to terms and conditions, you acknowledge such rights possessed by ClickIRR and its licensors or providers.

You understand and accept that all information submitted by you on the site shall be deemed the property of ClickIRR, and ClickIRR shall be free to use any ideas, concepts, know-how or techniques provided by you in accordance with its Privacy Policy. On initiating a contact through the site, you agree to being contacted by ClickIRR, or any other entities with whom ClickIRR has entered into an arrangement.

You agree that you shall not copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer, or in any way exploit, any part of any information, content, materials, services available on or through the site, except that which you may download for your own personal, non-commercial use.

You accept not to oppose engineer or compilation of any technicalities which are related to the services including software utilisation or a Java application that is connected with the services, and content provided on the website.

You agree that you will not use ClickIRR’s website for any purpose that is unlawful, or prohibited by these terms. You also agree that you will not use the site in any manner that could damage, disable or impair the website, or interfere with any other party’s use, or enjoyment of the website.

You acknowledge that the software and hardware underlying the site, as well as other Internet- related software required for accessing the website, are the legal property of the respective vendors. The permission given by ClickIRR to access the website will not convey any proprietary or ownership rights in the above software / hardware. You agree that you shall not attempt to modify, translate, disassemble, decompile, or reverse engineer the software / hardware underlying the website, or create any derivative product based on the software / hardware.

You understand and accept that ClickIRR is not responsible for the availability of content, or other services on third-party sites linked from the website. You are aware that the access of hyperlinks to other internet sites are at your own risk, and the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored or endorsed by ClickIRR in any way. ClickIRR does not make any warranties, and expressly disclaims all warranties, express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non-infringement with respect to any information or services or products that are available or advertised or sold through these third-party websites.

You understand and accept that ClickIRR has the absolute discretion to amend or supplement any of the terms at any time. By using ClickIRR’s services, you shall be deemed to have accepted the changed terms and conditions.

You accept that the Courts in Delhi alone shall have exclusive jurisdiction as regards to any claims or matters arising out of dealings with ClickIRR. All disputes will be governed by the laws of India.

TERMS OF ACCOUNT REGISTRATION AND MAINTENANCE

You hereby agree and give consent for opening of investment account facility with ClickIRR Technologies Pvt Ltd, for undertaking online mutual fund transactions on www.ClickIRR.com

You shall be provided with a password and login id after successful registration on the website to access the services. It is your duty to maintain secrecy about your password and account details. ‘ClickIRR’ is not responsible for any unauthorised access made due to actions such as, sharing of the password, using website in public and shared servers by the user. You also agree that you will not make any unlawful attempt of using the website or any other services by misrepresenting your identity.

ClickIRR may provide account related information via automatic alerts to you on a regular basis. You hereby give your consent to be contacted on the registered contact number and email id provided by you for providing information on the product and services of ClickIRR. In case you change your mobile number or email address, you will promptly notify ClickIRR of such change.

You further allow the company to share your information with KRAs, AMCs and other third party service partners, for validation, compliance with legal and regulatory requirements, for fulfilling Service obligations and transacting smoothly.

ClickIRR agrees to deliver timely and accurate alerts to the services; however, you are also required to comprehend that there might be some factors that may lead to the delay of such alerts. You have to agree that ClickIRR will not be held liable in the case if it fails to deliver alerts on time.

You must understand that you need to furnish absolutely correct details at the time of registration. Providing incorrect information is likely to sabotage your online investments, as your transactions may not be processed. ClickIRR holds the right to cancel the registration if the information provided by the users is found to be incomplete, exaggerated or hidden in any aspect.

You hereby declare that the details of the bank/ banks, provided on the platform belongs to you and you are the primary account holder of the account. Any refunds/redemption should be credited to either of the bank accounts the details of which is/are provided by you on the website.

You hereby declare that the Debit Card and/or Netbanking account and/or ACH mandate used to make the transaction are linked to bank account of which you are the primary account holder.

You authorize ClickIRR and/or its authorized service provider(s) to - execute the NACH/Direct Debit mandate, subsequent NACH/Direct debit instructions related to your investments and electronic money transfer instructions through online payment gateway(s)- carry out all mutual fund subscription/ redemption/ non-financial instructions which I provide through the website www.ClickIRR.com using the Email and Password (log-in credentials) associated with your Investment Account - communicate with the AMC on your behalf for financial and non-financial transactions and to receive details of your investments from the AMC.

You hereby allow ClickIRR to utilize your information such as PAN, photo, name, father's name, Date of Birth, gender, marital status, proof of address, address and signature etc. for sending it to KYC Registration Agency (KRA) as part of Know Your Customer (KYC) norm & Asset Management Companies (AMC) as part of your application to AMCs. This can be used for the purpose of validation and to comply with the legal and regulatory requirements. You hereby accept that your address will be updated at the AMC as per your KYC address.

You hereby accept that the signature and other details available in the CVL-KRA records/system may be fetched/used for signature verification by AMC/their RTA for processing any requests made by you through www.ClickIRR.com and in the event of such signature not being available or legible in the CVL KRA records/system, you understand and agree that the AMC shall be entitled to carry out further checks to validate the authenticity of the request and/or to reject/disallow any transaction in connection herewith.

TERMS OF TRANSACTION

You understand that ClickIRR will forward your transaction to AMC after completing "Know Your Client" (KYC) process. In the event where KYC process is not completed by you to the satisfaction of the AMC, you hereby authorize the AMC, to redeem the funds invested in the Scheme, in favour of the applicant, at the applicable NAV prevailing on the date of such redemption and undertake such other action with such funds that may be required by the law.

You understand that ClickIRR will process my instructions on best effort basis. I understand that your instructions will be processed the same business day if received before the cut-off time(s) specified by ClickIRR, ELSE your instructions will be processed on the next business day. ClickIRR may specify cut-off time(s) earlier than the time(s) specified by the AMC/ SEBI. You will not dispute and/or hold ClickIRR responsible for any loss, notional or otherwise, incurred because of delays either at the Bank, Registrar and Transfer Agency or AMC or of rejection of your instructions by the Bank, Registrar and Transfer Agency or AMC or of processing of instructions authenticated by your Login Credentials or non-availability or non-accessibility of the Website, telephone(s), or office(s) of ClickIRR in case of circumstances beyond ClickIRR's control.

For investments using ECS/ NACH/ Direct Debit, ClickIRR will first submit the fund transfer instructions to my bank. Your subscription request is sent to the AMC only after the money transfer to the AMC's account is confirmed. As a result, you understand that there may be a lag between the date of debit to your account and the date of allotment of units by the AMC.

You are aware that ClickIRR is a distributor of mutual funds, registered with the Association of Mutual Funds in India and receives brokerage from AMCs and has shared with you the details of the brokerage structure.

ClickIRR offers Mutual fund schemes for investment of the AMCs with which it has entered into a distributorship agreement. It does not, and is not obliged to, offer all the schemes of all AMCs. ClickIRR does not make any representation as to the quality, bona fides or nature of any AMC or mutual fund scheme, whether available for investment on the website or not, or any other representation, warranty or guaranty, express or implied.

You understand that the ARN holder (ClickIRR Technologies Pvt Ltd) would help me maintain asset allocation in line with the risk profile. You will not dispute and/or hold ClickIRR responsible for any loss, notional or otherwise, incurred because of suggested investment and withdrawal amounts in different mutual fund schemes. You also understand that ClickiRR would do this on a best effort basis.

You acknowledge that if you have placed a redemption (full or partial) request directly at Official Point of Acceptance of Transactions (OPAT) of an AMC, or from a channel other than ClickIRR Technologies Pvt Ltd, then the available withdrawal amount on www.ClickIRR.com may be different than the actual amount. You acknowledge that under such circumstances redemption order may fail or be partially fulfilled.

You acknowledge that if you have placed an investment request directly at Official Point of Acceptance of Transactions (OPAT) of an AMC, or from a channel other than ClickIRR Technologies Pvt Ltd, then the investment information available on www.ClickIRR.com may be different than the actual.

You understand that after your withdrawal request is processed by ClickIRR, the money may take up to 1 business day (for debt funds) and 3 business days (for equity funds) to be credited to your bank account. You confirm that the bank account details displayed at the time of redemption request are correct and You are the primary account holder of the bank account displayed. You authorize AMCs to use this bank account to redeem your amount.

You understand that there may be early exit charges as per SID / SAI / KIM of the scheme(s) chosen on the platform.

UNDERTAKING BY USER

You understand that Mutual Fund investments are subject to market risks. You have read all scheme-related documents carefully and you understand that past performance is not an indicator of future returns. It is your duty to make an informed investment decision by reading the Offer Documents of the mutual fund schemes that you are investing in. Offer Documents include the Offer Document, Scheme Information Document (SID), Statement of Additional Information (SAI), Key Information Memorandum (KIM), issued by the Asset Management Company that manages the mutual fund.

You hereby declare that the amount invested in the scheme is through legitimate source only and does not involve contravention of any Act, Rules, Regulations, Notifications or Directives of the provisions of the Income Tax Act, Anti Money Laundering Laws, Anti-Corruption Laws or any other applicable laws enacted by the Government of India from time to time. You confirm that the funds invested in the Scheme, legally belong to you.

You hereby accept that for any transactions that are submitted offline i.e. with wet signatures, the signature available in my KYC records would be used for signature verification. You agree and understand that you shall be solely liable to inform ClickiRR/AMC in case of any change in your KYC information including change in signature etc. and in the event of your signature not being updated, available or legible in KYC records, ClickIRR/AMC would be within its rights to carry out further checks to validate the authenticity of the request or reject any such offline request based on existing KYC information. You shall execute and deliver to ClickIRR from time to time such other documents as may be required for updation of records if any.

You agree to indemnify, defend, and hold ClickIRR harmless from any liability, loss, claim, and expense, including legal fees, related to your violation of this Agreement.

You further agree that any false/misleading information given by you or suppression of any material fact will render your account liable for termination.

ACKNOWLEDGEMENT

You acknowledge that you have read the Terms and Conditions which are applicable for investment account facility on www.ClickIRR.com and that you have read and understood the said Terms and Conditions and that a copy of the Terms and Conditions is available on www.ClickIRR.com and you hereby severally agree and undertake to abide by these Terms and Conditions. You further agree to accept the updated Terms and Conditions as may be notified from time to time on www.ClickIRR.com before executing the transactions.

You understand and agree that, pursuant to the Terms and Conditions, you hereby authorise ClickIRR to execute your instructions for purchase/redemption/switch/ sell or other transaction/activities in respect of online mutual fund transactions on your behalf, as may be instructed by you from time to time on www.ClickIRR.com. You hereby declare that the details furnished by you are true and correct to the best of your knowledge and belief, and you undertake to inform us of any changes therein, immediately. In case any of the above information is found to be false or untrue or misleading or misrepresenting, you are aware that you may be held liable for it and your account may become liable for termination. The laws of India govern this Agreement. All disputes are subject, firstly, to mediation, and then by Arbitration by a sole arbitrator appointed by ClickIRR. The venue of arbitration will be Delhi.

PRIVACY POLICY

This Privacy Policy is published on the website in compliance with Regulation 4 of the (Indian) Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 201.

ClickIRR intends to use all the information provided by you for the purpose of delivering better services, for providing appropriate information and also for sending alerts to you from time to time.

All data collected by us will be used only for valuable purposes to better your service experience and comply with regulations to prevent fraud, money laundering or any other criminal activity. Under no circumstance will we sell or rent your personal information to anyone. For trade and transaction purposes, we use authorized or reputed third party service providers who are bound by the same standards of data security practices and procedures as we are under the law.

You shall be provided with a password and login id after successful registration on the website to access the services. It is your duty to maintain secrecy about your password and account details. ‘ClickIRR’ is not responsible for any unauthorised access made due to actions such as, sharing of the password, using website in public and shared servers by the user. If you think that the security of your ClickIRR account has been compromised, change your password and contact us immediately for further assistance.

Your data is transmitted between your device and our servers using HTTPS protocol for encryption. HTTPS is the same technology used to create secure connections for your web browser, and is indicated by a padlock icon in your browser.

We collect technical data about your interaction with the Services. This is data we get from your use of our services. We collect data about your interaction with our website, such as pages visited and average time spent on the website, your internet protocol address, the unique identifier of your device and device information such as operating system, operating system version, browser plugins, crashes, system activity, hardware settings, date and time of your request and referral URL, and cookies that may uniquely identify your browser and mobile application.

We use this data, to analyse how you use our website and improve the services provided through the website, to offer you other products or services which may be of use and interest to you, to perform research, product development, troubleshooting, behaviour analysis, marketing and promotion, statutory and other compliances.

DEACTIVATION OF SERVICE(S) AND TERMINATION OF AGREEMENT

Your Service(s) are valid for a continuous period unless you terminate it by deactivating your Investment Account or ClickIRR deactivates your Investment Account for non-compliance with this Agreement or any applicable laws.

INTELLECTUAL PROPERTY RIGHTS

The website contents include the “look and feel” in the form of text, graphics and images, logos and button icons, photographs and editorial content and notices. It also includes Software, HTML-based computer programs and other material that are purchased/licensed by/to ClickIRR and/or its third-party service providers/their licensors. ClickIRR, third-party service providers and its licensors hold the authority to the contents and other data on the website and are copyright, trademark and legal holder of the same. By agreeing to terms and conditions, you acknowledge such rights possessed by ClickIRR and its licensors or providers; the content, any intellectual or proprietary property and technology exhibited on the site accessible to you will be part of Services.

You are being permitted to use any of the preceding information which is explicitly licensed under these conditions and the Service agreement. You are allowed to print or download a copy of your personal information available on the website for any internal, personal and non-commercial use. Any action like copy, re-print, re-create, distribute or creation of derived work will not be allowed in respect of any content available on the website whose rights are held by ClickIRR. For doing so, you are required to take a prior written permission from ClickIRR whether these actions are performed entirely, partially or for any other purpose.

DISCLAIMER OF WARRANTIES

You explicitly understand and accept that the use and access of all the services, any data, merchandises and other content (including third parties) related to the services are at your risk. The services are provided on an "as-is" and "as-available" basis. ClickIRR does not present any warranty or guaranty for the content accessible through the services, that it will not harm the system due to viruses, code and computer programming routines.

The information we provide through our Services does not constitute advice. Please seek independent financial planning, legal, accounting, tax or other professional advice when making investment decisions. Classification of your transactional data related to the services is clearly supplied for your knowledge only. ClickIRR do not present any warranty that the services will accomplish your exact needs.

ClickIRR further provides no warranty or guaranty on other services and parameters presented below:

The services will not get interrupted and will appear on time without any errors.

The outcomes obtained by availing the services are accurate and can be considered for dependency.

The quality of any product, service, data, and substance acquired by you will accomplish your prospects or expectations.

Any errors will get automatically rectified in the context of the technology.

If any harm is caused to your computer system or any of your information due the material downloaded from the website, then ClickIRR shall not be held responsible, and it will be at your sole discretion. Any advice and information attained by you from ClickIRR and its service providers, whether in oral or written will bear no warranty or guarantee of expected results as per the stated terms.

LIMITATION OF LIABILITY

You agree that ClickIRR and its associates, subsidiaries, licensors, service providers, account suppliers and any other related third-party will not have any liability for any damages caused whether direct, indirect, incidental, particular, consequential or of any other typical nature. These damages also include the reduction in profits, opportunity, goodwill, usage, information or any other intangible damage, even if ClickIRR has been informed about the existence of such damages.

ClickIRR and any of its associates, managers, officers and workers will not have any liability or accountability regarding any sort of loss or damage whether it is direct or indirect due to the outcome of any occurrence or interruption of this website. It also includes outcomes due to act or mistake of any other party that participates in the creation of the website or relates to information hosted and accessible to you. ClickIRR will not be liable for any event which is caused due to direct, particular, indirect, eventful, and secondary and any other damages.