Effective Date: March 31, 2026

The use of this website is governed by the following terms and conditions:

1. Capacity & Identity Disclosure

This website is owned and operated by Suraj Jatwani, an AMFI-Registered Mutual Fund Distributor (ARN-101144) and Licensed Insurance Agent, practicing as a Sole Proprietor under the trade name SJ Financial Services. By accessing this website, you acknowledge that you are interacting with a regulated distributor and not a SEBI Registered Investment Adviser.

2. No Investment Advice or Recommendation

All content provided on this website is for general informational and product distribution purposes only. It does not constitute investment advice, financial planning, or tax/legal recommendations.

• No information on this website should be treated as a “Personal Recommendation” or “Advice” as defined under SEBI (Investment Advisers) Regulations, 2013.
• Investors are advised to consult their financial, tax, or legal advisors before making any investment decisions.
• Users should not rely solely on the information provided on this website for making financial decisions.

3. No Advisory Relationship

Use of this website or communication via WhatsApp, email, or other digital channels does not establish a fiduciary or advisory relationship. Suraj Jatwani provides facilitation services for the execution of financial products and may receive commissions or brokerage from product providers such as Asset Management Companies (AMCs) and Insurance Companies.

4. Accuracy & Third-Party Links

While reasonable efforts are made to ensure accuracy, information on this website may change without prior notice due to market conditions, regulatory updates, or operational changes. This website may contain links to external websites including regulators (SEBI, AMFI, PFRDA) and service providers (CAMS, KFintech). Suraj Jatwani is not responsible for the content, uptime, or privacy practices of such third-party websites.

5. Execution & Market Risks

Mutual Fund investments are subject to market risks. Suraj Jatwani shall not be liable for any financial losses, missed opportunities, or damages arising from decisions made based on the information provided on this platform. No returns are guaranteed or assured. Investors are solely responsible for assessing their own risk tolerance and financial objectives.

6. Intellectual Property

All text, logos, design, and proprietary tools on this website are the property of Suraj Jatwani (SJ Financial Services). Unauthorized reproduction, scraping, or distribution of this content for commercial purposes is strictly prohibited.

7. User Conduct & Prohibited Usage

Users agree to use this website only for lawful purposes. The following activities are strictly prohibited:

• Fraudulent Information: Submission of false, inaccurate, or misleading KYC documents or personal information.
• Security Interference: Any attempt to bypass, disable, or interfere with security protocols or administrative features of the website.
• Automated Harvesting: Use of automated scripts, "bots," or data-scraping tools to extract content or user data for commercial purposes.
• Unauthorized Access: Attempting to gain unauthorized access to our internal systems or databases.
• Regulatory Violation: Using this platform to facilitate any activity that violates SEBI, AMFI, IRDAI, or PFRDA guidelines.

8. Limitation of Access

We reserve the right to restrict, suspend, or terminate access to this website at our discretion without prior notice.

9. Jurisdiction & Dispute Resolution

Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the courts in Faridabad, Haryana. Users are encouraged to first utilize the Grievance Redressal Mechanism available on our website before initiating legal proceedings.

10. Modification of Terms

These Terms & Conditions may be updated from time to time to reflect changes in applicable laws, regulations (including SEBI/IRDAI), or business practices. Continued use of the website after such updates constitutes your acceptance of the revised terms.

🛡️ Mandatory Compliance Footer

ARN-101144 | Suraj Jatwani (Proprietor: SJ Financial Services) EUIN: E-123822 | LIC: 1302111J | Valid till: 17-Feb-2027

Statutory Warning: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully before investing. Past performance is not indicative of future results, and no returns are guaranteed or assured.

Terms & Conditions updated as of: March 31, 2026.