Everything, disclosed.

1 · Registration

Entity	Registered entity name (Entity type)
CIN	CIN
Mutual funds	AMFI-registered Mutual Fund Distributor · ARN ARN-XXXXXX · valid ARN validity · EUIN EUIN
Bonds	Offered through OBPP partner name, SEBI-registered Online Bond Platform Provider, registration INZ000XXXXXX. Our capacity: our capacity (e.g. Authorised Person).
Insurance	IRDAI registration type · IRDAI registration IRDAI reg. no. · insurer / broker partner
Registered office	Registered address

2 · Nature of service

We are a distributor. We help you select, buy and service mutual fund schemes, listed bonds and insurance policies. Any guidance we give is incidental to that distribution.

• We are not a SEBI-registered Investment Adviser and do not charge you an advisory fee.
• We are not a SEBI-registered Research Analyst, stock broker or portfolio manager.
• We do not hold client money or securities. Mutual fund units are held with the AMC's registrar, bonds in your own demat account, and policies are issued by the insurer in your name.
• Every transaction is executed only on your instruction.

3 · Risk factors

Mutual funds

Mutual fund investments are subject to market risks, read all scheme related documents carefully. The value of units can go down as well as up. Past performance of a scheme or AMC does not indicate future performance. Read the Scheme Information Document, Statement of Additional Information and Key Information Memorandum before investing.

Bonds

Investments in debt securities/municipal debt securities/securitised debt instruments are subject to risks including delay and/or default in payment. Read all the offer related documents carefully. Bond prices move with interest rates; bonds sold before maturity may fetch less than their purchase price; many bonds trade infrequently. Credit ratings are opinions and can change.

Insurance

Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Claims are subject to the policy's terms, exclusions and waiting periods, and to complete and accurate disclosure on the proposal form.

Calculators and illustrations

The SIP calculator and every illustrative chart on this site assume constant rates of return. They are illustrations, not projections or promises, and exclude charges and tax.

4 · Commission disclosure

We do not charge you a fee. We are paid by product providers:

• Mutual funds: AMCs pay us commission, predominantly trail commission, out of the total expense ratio of the regular plans we distribute. Commission rates differ across AMCs and schemes. Scheme-wise commission paid to us is shown in your Consolidated Account Statement, and we disclose it on request.
• Bonds: our OBPP partner shares a portion of its fee or the price spread with us. The price you see includes it. We disclose the amount for any order before you place it.
• Insurance: insurers pay commission within the limits set by IRDAI. It is included in the premium; your premium is the same whether or not you buy through us.

Because commission differs between products, we have a potential conflict of interest. We manage it by disclosing earnings on request and matching products to your documented risk profile.

5 · Regular vs direct plans

Every mutual fund scheme offers a direct plan with no distributor commission and a lower expense ratio. We distribute regular plans only. You may invest in direct plans directly with the AMC or through another channel at any time.

6 · Grievance redressal

Grievance officer: Grievance officer, Designation · [email protected] · +91 XXXXX XXXXX. We acknowledge complaints within X working days and aim to resolve them within Y working days.

• Mutual funds and bonds: if unresolved, lodge a complaint on SEBI SCORES (scores.sebi.gov.in). You may then pursue online dispute resolution through the SMART ODR portal (smartodr.in). You may also contact the relevant AMC or the OBPP directly.
• Insurance: contact the insurer's grievance redressal officer; if unresolved, use IRDAI's Bima Bharosa portal (bimabharosa.irdai.gov.in) or approach the Insurance Ombudsman.

7 · Privacy

This site sets no cookies and runs no analytics or advertising trackers. Fonts load from our own files.

When you submit a form we receive the details you enter: name, phone, email, topic and message. We use them only to respond to you and, if you consent, to send the update you asked for. We do not sell or rent them. Form submissions are stored by our hosting provider and in our email. Write to [email protected] to see, correct or delete your data.

KYC and transaction data you share during onboarding is handled under the applicable SEBI, AMFI, IRDAI and KYC registration agency requirements and the Digital Personal Data Protection Act, 2023.

8 · Terms of use

Content on this site is for general information and education. It is not investment, tax or legal advice, and not an offer or solicitation to buy or sell any security or product. Check scheme, bond and policy documents before acting. We take care to keep information correct but rules and products change; we accept no liability for decisions made on this content alone. The Vandercrest name, logo and tagline are our marks.

9 · Forward-looking statements

The roadmap describes capabilities we intend to build. None of them is offered today. Each requires a separate regulatory registration that may not be granted. Nothing on the roadmap is an offer or an invitation to express interest.