Website Disclaimer

Creative Investment Services Private Limited (CIS Bharat)
Website: https://cisbharat.com

1. About This Website

The website https://cisbharat.com is operated by Creative Investment Services Private Limited (“CIS”, “the Company”, “we”, “us” or “our”). Through this Website, the Company provides information about its services and, where applicable, facilitates access to financial products, investment-related information and associated services.

The Website may contain information relating to mutual funds, insurance, securities, bonds, savings instruments and other financial products, as applicable to the Company's business and services. The availability of any particular product or service is subject to its applicable terms, conditions, eligibility requirements and regulatory provisions.

2. Investment Information and Expert Opinions

The Website may contain articles, commentary, research, market updates, educational materials and opinions contributed by the Company, external experts or other third parties. Any views or opinions expressed by external contributors are their own and do not necessarily represent the views, opinions or recommendations of the Company.

Information published on the Website is intended for general informational and educational purposes. Unless expressly stated otherwise, it should not be construed as investment advice, a recommendation to buy, sell or hold any financial instrument, or an offer or solicitation to invest in any financial product.

Users should evaluate financial products in light of their individual financial circumstances, investment objectives, investment horizon, liquidity requirements and risk tolerance before making any investment decision. Where appropriate, users should seek advice from a qualified financial professional.

The Company shall not be responsible for investment decisions made solely on the basis of general information published on the Website, subject to applicable law and any duties or obligations that may apply to the Company.

3. No Endorsement or Guarantee of Financial Products

Information about mutual fund schemes, insurance products, securities, bonds or other financial products may be displayed on the Website from time to time. The inclusion of any product, scheme, issuer, fund house or financial institution does not, by itself, constitute an endorsement, guarantee or recommendation by the Company.

The Company does not guarantee the performance, returns, suitability or future prospects of any financial product. Investments may involve market, credit, liquidity, interest rate and other risks, including the possible loss of principal.

Past performance, historical returns, illustrations, projections and estimates are not necessarily indicative of future results. Users should carefully review the relevant product documentation, disclosures, terms and risk factors before making a decision.

4. Accuracy and Completeness of Information

The Company endeavours to provide information that is useful and reasonably reliable. However, information published on the Website may be obtained from third-party sources, financial institutions, product issuers, service providers, public disclosures and other sources believed to be reliable.

The Company does not warrant that all information on the Website will be accurate, complete, current or free from errors or omissions at all times. Information may become outdated, and the Company may update, modify or remove content without prior notice where appropriate.

To the extent permitted by applicable law, the Company shall not be liable for losses arising solely from inaccuracies, omissions or delays in third-party information, except where such liability cannot lawfully be excluded.

Users should independently verify material information with the relevant issuer, institution, registrar, service provider or other authoritative source before relying on it.

5. Information from Third-Party Sources and Registrars

The Website may display or provide access to information such as scheme details, net asset values (NAVs), transaction records, account statements, portfolio information, financial data, charts, market quotations, news and other product-related information sourced from third parties.

Where applicable, registrars, transfer agents, fund houses, insurers, exchanges, depositories, financial institutions or other service providers may supply information relating to products or transactions.

The Company does not independently control all such information and cannot guarantee its accuracy, completeness, timeliness or availability. Any discrepancies in third-party records or transaction information should be verified with the relevant institution or service provider.

The Company's responsibility, if any, in relation to such information or services will be determined in accordance with applicable law and the relevant contractual arrangements.

6. No Guarantee of Investment Outcomes

Financial markets and investment products are subject to uncertainty and risk. The Company makes no representation or guarantee regarding the achievement of any investment objective, the performance of a particular product, the accuracy of any forecast, or the realisation of any expected return.

Any examples, calculations, illustrations, projections or hypothetical scenarios provided on the Website are for informational purposes and should not be interpreted as promises of future performance.

Users remain responsible for evaluating the risks associated with their financial decisions and for ensuring that any investment is suitable for their circumstances.

7. Online Transactions and Technical Interruptions

Where the Website enables or facilitates online transactions, requests, applications or other electronic activities, the Company will take reasonable measures within its control to support the functioning and security of the relevant systems.

However, online services may be affected by circumstances beyond the Company's reasonable control, including:

Internet connectivity failures or telecommunications disruptions.
Power outages or hardware and software failures.
Technical maintenance, system downtime or service interruptions.
Malware, computer viruses, cyberattacks or other security incidents.
Errors, delays or interruptions involving banks, payment gateways, registrars, financial institutions or other third-party service providers.
Other events that affect the availability, transmission or processing of electronic information.

The Company does not guarantee uninterrupted, error-free or continuously available access to the Website or any online facility.

To the extent permitted by applicable law, the Company shall not be liable for losses caused by interruptions, delays or failures attributable to circumstances beyond its reasonable control. This limitation does not exclude liability that cannot lawfully be excluded, including any applicable responsibility arising from the Company's own acts or omissions.

Users should verify the status of important applications, payments and transactions with the relevant service provider and retain appropriate acknowledgements or reference numbers.

8. Security and Unauthorised Access

The Company takes reasonable measures to protect its Website and any online facilities it operates against unauthorised access and misuse. Nevertheless, no electronic system or method of data transmission can be guaranteed to be completely secure.

Users are responsible for maintaining the confidentiality of their login credentials, passwords, authentication codes and other access information, where applicable. Users should not share these details with unauthorised persons and should promptly notify the relevant service provider if they suspect unauthorised access or activity.

The Company shall not be responsible for unauthorised use of a user's account to the extent such use arises from circumstances outside the Company's reasonable control, subject to applicable law and the Company's obligations in the relevant circumstances.

Nothing in this section limits any rights or remedies available to users under applicable law.

9. External Websites and Third-Party Links

The Website may contain links to external websites, platforms or services operated by third parties. Such links may be provided for convenience, reference or access to additional information.

The inclusion of a third-party link does not constitute an endorsement, recommendation or guarantee by the Company of the linked website, its operator, its products or its content.

The Company does not control external websites and is not responsible for their content, accuracy, availability, security, privacy practices or terms of use.

Users accessing external websites do so at their own discretion and should review the applicable terms and privacy policies before using those websites or providing personal information.

10. Intellectual Property and Permitted Use

Unless otherwise stated, the content made available on the Website, including text, articles, graphics, logos, designs, layouts, images and other materials, is owned by the Company or is used under applicable rights, permissions or licences.

Such content is protected by applicable intellectual property laws. Access to the Website does not grant users ownership of, or unrestricted rights to use, any content published on it.

Users may access and use the content for lawful personal or informational purposes, subject to applicable terms and permissions. No content may be reproduced, republished, distributed, commercially exploited, modified or made available through print or electronic media without the prior written permission of the Company or the relevant rights holder, except where such use is permitted by applicable law.

Users must not remove copyright notices, misrepresent the origin of content or use the Website's materials in a manner that infringes intellectual property rights.

11. Limitation of Liability

To the extent permitted by applicable law, the Company shall not be liable for indirect, incidental, special, consequential or punitive losses arising from the use of, or inability to use, the Website or reliance on general information made available through it.

This limitation applies, where legally permissible, to losses arising from reliance on information, third-party content, technical interruptions, service unavailability, unauthorised access or other circumstances described in this Disclaimer.

Nothing in this Disclaimer excludes or limits liability where such exclusion or limitation is prohibited by applicable law, or overrides any express contractual or statutory obligations applicable to the Company.

12. User Responsibility

By accessing or using the Website, users acknowledge that they are responsible for evaluating the relevance and suitability of information for their own purposes.

Users should independently verify important financial, investment, product and transaction-related information before acting on it. Any decision to invest in or use a financial product or service should be made after considering the applicable documentation, risks, fees, terms and conditions.

Users must also ensure that their access to and use of the Website complies with applicable laws and the Website's relevant terms and conditions.

13. Changes to This Disclaimer

The Company reserves the right to revise, update or modify this Disclaimer from time to time to reflect changes in its business, Website functionality, services or applicable legal requirements.

Any revised version will be published on the Website. Users are encouraged to review this page periodically to remain informed of the applicable terms.

Changes will take effect in accordance with applicable law and any effective date specified in the revised Disclaimer.

14. Governing Law

This Disclaimer shall be interpreted in accordance with the laws of India, subject to applicable statutory provisions and the jurisdiction of competent courts.

Nothing in this Disclaimer limits any rights or remedies that users may have under applicable law.

15. Contact Information

For questions or concerns regarding this Disclaimer or the information published on the Website, please contact:

Creative Investment Services Private Limited

Website: https://cisbharat.com

Email: connects@cisbharat.com

Address:
304 Bharti Bhawan,
11 RNT Marg,
Indore, Madhya Pradesh – 452001, India.

By accessing or using this Website, you acknowledge that you have read this Disclaimer. Your use of the Website remains subject to the applicable terms and conditions, privacy policy and legal requirements.