Important Information and Disclaimer

Creative Investment Services Private Limited (CIS Bharat)

1. Investment Products and Services

Creative Investment Services Private Limited (“CIS”, “CIS Bharat”, “the Company”, “we”, “us” or “our”) may facilitate access to, distribute or refer customers to third-party financial and investment products, depending on the nature of the service offered and the Company's applicable authorisations.

Investment products are issued, managed or provided by the respective third-party product providers and do not constitute deposits or obligations of CIS Bharat unless expressly stated otherwise in the applicable product documentation.

The Company's role in relation to any investment product will depend on the relevant arrangement, service and applicable regulatory requirements. Nothing in this disclaimer should be interpreted as stating that CIS Bharat does not provide investment-related services where it is legally authorised to do so.

2. Important Investment Risks

Investments in financial products involve risks. Before investing, customers should carefully consider their financial circumstances, investment objectives, investment horizon, liquidity requirements and risk tolerance.

Unless expressly stated otherwise in the applicable product documentation:

Investment products are not bank deposits and are not obligations of, or guaranteed by, CIS Bharat or its affiliates or subsidiaries.
Investment products are not insured or guaranteed by any governmental agency merely by virtue of being distributed, referred or made available through CIS Bharat.
Investments are subject to market and other risks, including the possible loss of some or all of the principal amount invested.
Past performance is not indicative of future results. The value of investments and any income derived from them may rise or fall, and investors may receive less than the amount originally invested.

Any guarantee, insurance coverage or capital protection applicable to a particular product must be verified from its official documentation and the relevant issuer or provider.

3. Investment Decisions and Investor Responsibility

The final investment decision rests with the investor, subject to the applicable terms of the relevant product and the Company's legal and regulatory obligations.

Investors should independently assess the risks, features, costs, fees, liquidity, lock-in periods, taxation and other relevant conditions associated with an investment before subscribing to or purchasing a financial product.

Where required, investors should review the applicable Key Information Memorandum (KIM), Scheme Information Document (SID), Statement of Additional Information (SAI), prospectus, term sheet, product brochure, risk disclosures and other official documentation before making an investment.

Investors may seek independent professional advice where appropriate. Nothing in this disclaimer excludes any duty or liability that CIS Bharat may have under applicable law.

4. Product Availability and Jurisdictional Restrictions

The availability of investment products may be restricted by the product provider, applicable law, investor eligibility requirements, residency status or the jurisdiction in which the investor resides.

Certain products may not be available to persons in the United States, residents of Canada or persons located in other restricted jurisdictions. Such restrictions will depend on the specific product and its governing documentation.

By applying for or investing in a product, the investor is responsible for confirming their eligibility and complying with applicable legal and regulatory requirements. The investor's participation remains subject to the relevant provider's terms and acceptance of the application.

Nothing on this Website constitutes an offer, solicitation or distribution of investment products in any jurisdiction where such activity is prohibited or to any person to whom such offer, solicitation or distribution would be unlawful.

5. Third-Party Product Providers and Roles

Investors should understand the identity and role of each party involved in a financial product or transaction, including the issuer, manufacturer, fund house, asset management company, insurer, distributor, referral agent, registrar, transfer agent, intermediary and any other service provider, as applicable.

The rights and obligations of each party are governed by the relevant product documentation, contractual arrangements and applicable law.

The inclusion of information about a third-party product on the CIS Bharat Website does not, by itself, constitute a guarantee of the product's performance, suitability or future returns.

Where CIS Bharat acts as a distributor or referral agent, the scope of its role will be determined by the applicable arrangement and regulatory framework. Any applicable duties, disclosures or obligations of CIS Bharat will continue to apply.

6. Conflicts of Interest

CIS Bharat, its affiliates, subsidiaries, employees or associated persons may, where permitted by applicable law, have commercial relationships, business interests or arrangements with third-party product providers or other entities whose products or services may be referred to, distributed or described through the Company's channels.

Such relationships may create actual or potential conflicts of interest.

Where required by applicable law or regulation, material conflicts of interest will be disclosed and addressed in accordance with the Company's applicable policies and regulatory obligations.

Investors should consider relevant disclosures and the nature of the Company's relationship with a product provider before making an investment decision. Nothing in this section constitutes a waiver of any investor protection or disclosure obligation imposed by applicable law.

7. Market Linked Debentures (MLDs) and Bonds

Market Linked Debentures (“MLDs”) and bonds may be subject to market risk, issuer credit risk, liquidity risk, interest rate risk and other risks specified in their respective offer documents.

Where CIS Bharat provides an investment statement or portfolio record relating to MLDs or bonds, the displayed value may represent the purchase cost or another value specified in the statement methodology. Such a value may not represent the prevailing market value, fair value or amount realisable on sale.

Where portfolio records depend on information supplied by the investor, issuer, intermediary or another service provider, the investor should promptly report relevant purchase, sale, redemption or other transactions through the applicable reporting channel.

Any resulting update to an investment statement will be subject to receipt, verification and processing of the relevant information. Delays or discrepancies may occur where information is incomplete, inaccurate or received late from an external source.

Investors should verify the current valuation, transaction status and other material details with the relevant issuer, intermediary or authorised service provider before relying on a portfolio statement for a transaction or investment decision.

This section applies only to the extent that CIS Bharat offers or facilitates the relevant MLD or bond-related service.

8. Referral Products

Where CIS Bharat acts solely as a referral agent for a third-party financial product or service, its role is limited to the referral activities specified in the applicable arrangement and permitted by law.

Unless expressly stated otherwise, a referral does not mean that CIS Bharat issues, manages, underwrites or guarantees the referred product.

The third-party provider is responsible for its product's terms, features, performance, processing and contractual obligations, subject to applicable law. The investor should review the relevant provider's documentation and independently assess the suitability of the product.

Where investment information or a statement is prepared using information supplied by a customer, referral partner or third-party provider, its completeness and accuracy may depend on the information received. Such a statement may not reflect all investments or the latest transactions unless the relevant information has been received and processed.

Any investment values displayed on a cost basis should not be treated as current market valuations unless expressly identified as such.

The Company's responsibilities, if any, in relation to referrals, disclosures, records or other services remain subject to the applicable law, regulatory requirements and contractual arrangements.

9. Insurance Products

Insurance products are issued and underwritten by the relevant insurance company. The rights, benefits, exclusions, premiums, coverage conditions and claim obligations are governed by the applicable insurance policy and the terms issued by the insurer.

Unless expressly stated otherwise in the relevant policy documentation, insurance products are not bank deposits and are not obligations of, or guaranteed by, CIS Bharat, its affiliates or subsidiaries, or any governmental agency.

All claims under an insurance policy are assessed and determined by the relevant insurer in accordance with the policy terms and applicable law. CIS Bharat does not guarantee the acceptance, processing, settlement or payment of any insurance claim.

Where CIS Bharat acts as a referral agent, it facilitates a connection with the relevant insurance intermediary or provider within the scope of that referral arrangement. It does not thereby become the insurer or assume the insurer's contractual obligations.

The precise role of CIS Bharat in relation to insurance products must be determined by its actual arrangements and applicable regulatory permissions. Nothing in this disclaimer overrides any obligation imposed on the Company under applicable insurance or other law.

Participation in an insurance product is subject to the customer's eligibility, applicable requirements and the terms of the relevant policy. Customers should review the policy wording, exclusions, waiting periods, premium obligations and claim conditions before purchasing a policy.

10. Third-Party Information and Statements

Information relating to investments, insurance, transactions or portfolio holdings may be obtained from product providers, registrars, intermediaries, referral partners, customers or other third-party sources.

Where CIS Bharat reproduces or relies on such information, it does not necessarily independently verify every item. Reasonable care may be taken in presenting information, but the Company does not warrant that third-party information will always be complete, accurate or up to date.

Where a statement is generated from information supplied by a customer or third party, it may reflect only the information received and processed as of the relevant reporting date. It should not be treated as a comprehensive record of all holdings or as a substitute for official statements issued by the relevant provider.

Customers should verify material discrepancies directly with the relevant financial institution, issuer, insurer, registrar or other responsible party.

Nothing in this section excludes any responsibility that CIS Bharat has for its own acts or omissions under applicable law.

11. Tax and Legal Information

Any tax-related, legal or regulatory information provided through the Website or associated communications is for general informational purposes unless expressly stated otherwise.

Such information should not be treated as individualised tax, legal or financial advice. Tax treatment may vary depending on the individual's circumstances, the nature of the product and changes in applicable law.

Customers should consult a qualified tax adviser, chartered accountant, lawyer or other appropriately qualified professional before acting on information that may affect their tax or legal position.

No information in this disclaimer should be construed as a representation that any investment will qualify for a particular tax benefit or exemption.

12. No Unlawful Offer or Solicitation

Nothing contained on the Website or in any related document constitutes an offer, invitation or solicitation to purchase or subscribe to a financial product in any jurisdiction where such activity is not authorised or to any person for whom such activity would be unlawful.

All products and services are subject to applicable eligibility criteria, product documentation, terms and conditions, and relevant regulatory requirements.

13. Acceptance and Applicability

By accessing or using the CIS Bharat Website, users acknowledge that they have had the opportunity to review this disclaimer.

Where a customer applies for, purchases or subscribes to a financial product, the transaction will additionally be governed by the applicable product documentation, contractual terms, disclosures and legal requirements.

Nothing in this disclaimer excludes, restricts or waives any right, remedy, protection or obligation that cannot lawfully be excluded or waived.

14. Contact Information

For queries regarding this disclaimer, please contact:

Creative Investment Services Private Limited (CIS Bharat)

Website: https://cisbharat.com
Email: connects@cisbharat.com

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

This disclaimer should be read together with the Company's Privacy Policy, Terms and Conditions and the applicable documentation for each financial product or service.