Disclaimer

1. Nature of Our Business

Fintopia Financial Services is an AMFI-registered Mutual Fund Distributor (ARN-115652) providing the following services:

• Facilitating purchase, redemption, switch, and SIP registration of Mutual Fund units on behalf of investors
• Distributing insurance products as an IRDAI-licensed intermediary
• Distributing Specialised Investment Funds (SIF) as an AMFI-registered SIF distributor
• Providing investor education content, financial calculators, and general financial information

2. Investment Risk Disclaimer

Mutual Funds

• Mutual Fund investments are subject to market risks — NAV may rise or fall based on market conditions
• Past performance does not guarantee future returns — do not invest based on past performance alone
• There is no assurance that the investment objective of any scheme will be achieved
• Fintopia Financial Services deals in Regular Plans only — trail commission is earned from AMCs as part of TER, which is not an additional charge to investors
• Direct Plans are available at lower expense ratios through AMC portals — Fintopia Financial Services does not facilitate Direct Plan investments
• Please read the Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM) carefully before investing

Insurance

Specialised Investment Funds (SIF)

3. Website Content Disclaimer

• The content on www.fintopiafinserv.com is for general information and educational purposes only — it does not constitute investment advice
• Information on this website is updated periodically but may not always reflect the most current market conditions or regulatory changes
• Fintopia Financial Services does not warrant the accuracy, completeness, or timeliness of any information on this website
• Any views, opinions, or market commentary on this website are the general views of Fintopia Financial Services and should not be construed as personalised advice
• Third-party links on this website are provided for convenience only — Fintopia Financial Services is not responsible for third-party content

4. Commission & Remuneration Disclosure

• Fintopia Financial Services receives trailing commission from AMCs on Regular Plan Mutual Fund investments — this is part of the scheme's TER and is not an additional charge to investors
• Exact commission details are available on our Commission Disclosure page at www.fintopiafinserv.com/commission-disclosure
• Commission earned on your investments is visible in your Consolidated Account Statement (CAS) from CAMS, KFintech, or MF Central
• All product recommendations are based on investor suitability — never on commission rates received
• Fintopia Financial Services does not receive any non-cash benefits, gifts, or incentives from AMCs that could create a conflict of interest

5. Grievance Redressal Officer (GRO)

6. Grievance Escalation Matrix

If not satisfied with our response, escalate in the following order:

7. Regulatory Registration Details

Registration	Details
AMFI ARN	ARN-115652 | Initial: 20-Sep-2025 | Valid Until: 19-Sep-2028 | Verify at amfiindia.com/find-mf-distributor
IRDAI Licence	ICI01726015 | Verify at irdai.gov.in
AMFI SIF Registration	ARN-115652 (SIF) | Verify at amfiindia.com

8. Data Privacy

All personal data collected by Fintopia Financial Services is handled in accordance with our Privacy Policy (available at www.fintopiafinserv.com/privacy-policy) and the Digital Personal Data Protection Act 2023 (DPDPA 2023). Your data is never sold or shared with unauthorised third parties.

9. Limitation of Liability

• Fintopia Financial Services shall not be liable for any investment losses arising from market fluctuations or scheme performance
• Fintopia Financial Services shall not be liable for decisions made by investors based on general information or educational content on this website
• Our liability is limited to the specific service transaction in question, as permitted by applicable law
• This website and its content are provided "as is" without any warranty of any kind

10. Intellectual Property

All content on www.fintopiafinserv.com including text, graphics, logos, calculators, and design is the intellectual property of Fintopia Financial Services. Reproduction without written permission is prohibited. AMFI, SEBI, and AMC logos used on this website are the property of their respective owners and are used for informational purposes only.