These Terms & Conditions (“Terms”) govern your access to and use of the website, digital platforms, tools, applications, content, and services made available by Jekota (“Company”, “we”, “our”, or “us”).

By accessing, browsing, registering on, or using this website and/or any of our services, you agree to be bound by these Terms, our Privacy Policy, Disclaimer, and any other policies or disclosures published on this website from time to time.

If you do not agree with these Terms, please do not use this website or any of our services.

1. Acceptance of Terms

By using this website, you acknowledge that:

• You have read, understood, and agreed to these Terms & Conditions.
• You are legally competent to enter into a binding agreement under applicable Indian laws.
• Your continued use of this website constitutes your acceptance of any updates, revisions, or modifications made to these Terms from time to time.

We reserve the right to amend, update, modify, or replace any part of these Terms at our sole discretion without prior notice. The updated version shall be effective immediately upon posting on the website.

2. About Jekota

Jekota is a wealth management and investment solutions company offering information, access, facilitation, and/or distribution support for a range of financial products and services, which may include but are not limited to:

• Mutual Funds
• Fixed Income Products
• Bonds
• Non-Convertible Debentures (NCDs)
• Corporate Fixed Deposits (Corporate FDs)
• Market Linked Debentures (MLDs)
• Pre-IPO Opportunities
• Other investment and wealth-related products, subject to eligibility and applicable regulations

Jekota may act as a facilitator, distributor, arranger, platform provider, or intermediary for certain products and services through direct partnerships, empanelments, third-party institutions, issuers, AMCs, registrars, custodians, or technology partners, as applicable.

3. Nature of Services

The content, tools, calculators, reports, illustrations, portfolio views, insights, market commentary, research notes, and product information available on this website are provided for general informational and facilitation purposes only, unless explicitly stated otherwise.

Nothing on this website shall be construed as:

• Investment advice
• Tax advice
• Legal advice
• Accounting advice
• Solicitation in jurisdictions where such solicitation is not permitted
• A guaranteed return, assured outcome, or capital protection commitment by Jekota

Users are encouraged to independently evaluate all investment opportunities and seek professional advice from qualified financial, legal, and tax advisors before making any investment decision.

4. Eligibility to Use

By using this website and/or availing services from Jekota, you represent and warrant that:

• You are at least 18 years of age and legally capable of entering into contracts.
• The information and documents submitted by you are true, accurate, complete, and up to date.
• You are accessing the website and services in compliance with all applicable laws and regulations.
• You are authorized to transact and/or invest in the products selected by you.
• Any funds invested by you are from legitimate and lawful sources.

We reserve the right to deny access, suspend, restrict, or terminate services if any information provided by you is found to be false, incomplete, misleading, or inconsistent with regulatory requirements.

5. User Declarations & Acknowledgements

By accessing this website and/or using our services, you expressly acknowledge and agree that:

5.1 Investment Risk

All investments are subject to market risks, credit risks, liquidity risks, interest rate risks, regulatory risks, issuer risks, and product-specific risks.

• Mutual fund investments are subject to market risks.
• Fixed income products, bonds, NCDs, MLDs, corporate FDs, and pre-IPO opportunities may carry varying degrees of risk.
• Returns are not guaranteed, unless explicitly stated by the product issuer and supported by official offer documents.
• Past performance is not indicative of future results.

5.2 Product Understanding

You confirm that before investing, you have read and understood the relevant product documents, including but not limited to:

• Scheme Information Documents (SID)
• Key Information Memorandum (KIM)
• Term sheets
• Information memoranda
• Product brochures
• Offer documents
• Risk factors
• Issuer disclosures
• Application forms
• Any addenda, supplements, or updates issued from time to time

5.3 Independent Decision-Making

You understand that any investment decision made by you is based on your own judgment, assessment, financial goals, and risk appetite.

Jekota shall not be responsible if you choose to act or refrain from acting based on:

• Website content
• Market commentary
• Product information
• Portfolio illustrations
• Generic insights
• Communication from representatives, unless specifically documented as regulated advisory (where applicable)

5.4 No Guarantee of Returns

Jekota does not guarantee:

• Capital protection
• Fixed returns
• Profitability
• Dividend, bonus, coupon continuity, or redemption certainty
• Listing gains in pre-IPO or market-linked products
• Liquidity in unlisted or structured products

6. Product Availability

All products displayed or referred to on the website may not always be available to all users.

Availability may depend on:

• Investor category / suitability
• KYC status
• Regulatory eligibility
• Product-specific minimum investment thresholds
• Residency status (Resident / NRI / Foreign jurisdiction)
• Issuer or platform restrictions
• Internal risk and compliance filters
• Operational or technological limitations

Jekota does not guarantee that all products or all issuances from all AMCs, issuers, institutions, or providers will be available on the website or through our platform at all times.

7. Risk Profiling & Suitability

Jekota may request information from you for the purpose of:

• Understanding your investment objectives
• Assessing your financial profile
• Evaluating your risk appetite
• Determining suitability or indicative product alignment
• Meeting regulatory and internal compliance requirements

You agree that:

• The risk profile generated is based solely on the information submitted by you.
• Any inaccurate, incomplete, outdated, or misleading information may impact suitability outcomes.
• Risk profiling is indicative in nature and should not be treated as a guarantee of performance or investment success.
• Final investment decisions remain your sole responsibility.

8. Registration, Account Access & User Credentials

If you register on our website or access any secure section:

• You are responsible for maintaining the confidentiality of your login credentials, passwords, OTPs, and account information.
• You agree not to share your credentials with any third party.
• You are solely responsible for all activities conducted through your account.
• You must immediately notify Jekota of any unauthorized access, suspected fraud, or misuse.

Jekota shall not be liable for any loss arising from:

• Unauthorized use of your credentials
• Password compromise
• Phishing
• Device theft
• Negligence in protecting account access

9. Payment, Transaction Processing & Third-Party Platforms

To facilitate investments, subscriptions, redemptions, transfers, settlements, or document execution, Jekota may use third-party service providers, including but not limited to:

• Payment gateways
• Banks
• Registrars and Transfer Agents (RTAs)
• Mutual Fund platforms
• Depositories
• Issuers
• Trustees
• Custodians
• KYC verification agencies
• E-sign / digital documentation service providers
• Technology and infrastructure partners

You acknowledge that:

• Jekota may not directly control third-party systems or operational processes.
• Transaction execution is subject to third-party validation, cut-off timings, bank processing, issuer acceptance, market conditions, and regulatory rules.
• Delays, rejections, reversals, unit allotment issues, failed settlements, or temporary outages may occur due to third-party or systemic factors.
• Jekota shall not be liable for delays or failures caused by third-party providers beyond its reasonable control.

10. No Credit Card / Restricted Payment Modes (Where Applicable)

For certain financial products, transactions may be restricted to approved banking channels only.

Depending on the product and applicable regulations:

• Credit cards may not be permitted for investments
• Payments may only be accepted from the investor’s registered bank account
• Third-party payments may be rejected
• NRE/NRO/FCNR or other designated accounts may be required for eligible NRI investments

Jekota reserves the right to reject or reverse any transaction that does not comply with product, issuer, banking, AML, KYC, or regulatory requirements.

11. Reverse Feed, Portfolio Access & Data Sharing Consent

By using Jekota’s services, you expressly authorize Jekota, where applicable, to:

• Receive transaction data
• Access investment holdings
• Retrieve portfolio information
• Obtain reverse feed files
• View valuation/NAV updates
• Consolidate holdings across supported providers
• Access statements and transaction history from AMCs, RTAs, issuers, custodians, or other authorized institutions

This authorization is provided solely for:

• Portfolio reporting
• Investment tracking
• Service delivery
• Operational support
• Reporting and compliance
• User convenience

Such access shall be subject to applicable laws, consent mechanisms, and partner integrations.

12. KYC, AML & Regulatory Compliance

You agree to comply with all applicable Know Your Customer (KYC), Anti-Money Laundering (AML), FATCA, CKYC, and other regulatory requirements.

Jekota reserves the right to:

• Request additional documents
• Delay or hold transactions pending verification
• Reject transactions that appear suspicious or non-compliant
• Report suspicious activity to relevant authorities where required by law
• Suspend or terminate access if regulatory concerns arise

13. NRI / Overseas Users

If you are a Non-Resident Indian (NRI) or accessing the website from outside India:

• You are solely responsible for ensuring compliance with the laws of your country of residence.
• Product availability may be restricted based on jurisdiction, tax rules, FATCA/CRS, issuer rules, or foreign law limitations.
• Some products may not be offered to persons resident in certain jurisdictions, including where distribution is prohibited or restricted.

Jekota shall not be liable if a product is unavailable, rejected, or later found unsuitable due to jurisdictional or legal restrictions.

14. Website Content & Intellectual Property

All content on this website, including but not limited to:

• Text
• Design
• Graphics
• Logos
• Icons
• Reports
• Tools
• Layout
• Calculators
• Downloadables
• Brand assets
• Proprietary frameworks
• Software interfaces

is the property of Jekota and/or its licensors, partners, or content providers and is protected under applicable intellectual property laws.

You may not:

• Reproduce
• Republish
• Copy
• Modify
• Distribute
• Display
• Transmit
• Sell
• License
• Create derivative works from

any part of the website without prior written consent from Jekota.

15. Prohibited Use

You agree not to use the website:

• For any unlawful, fraudulent, or unauthorized purpose
• To impersonate any person or entity
• To upload malicious code, malware, spyware, or harmful scripts
• To attempt unauthorized access to systems, accounts, servers, or data
• To disrupt or interfere with the functioning of the website
• To scrape, mine, or extract data without permission
• To misrepresent financial, personal, or identity information
• To use the website in a way that violates applicable securities, investment, or cyber laws

16. Internet Security, Fraud & Cyber Risks

While Jekota uses commercially reasonable security measures, no website, platform, or internet-based system can be guaranteed to be fully secure.

You acknowledge that risks may include:

• Phishing
• Hacking
• Malware
• Identity theft
• Unauthorized access
• OTP compromise
• Device compromise
• Session hijacking
• Fake communications or spoofed domains

Jekota shall not be liable for losses arising due to:

• Compromise of your device, email, phone, or credentials
• Sharing of OTPs or passwords
• Clicking malicious links
• Fraudulent instructions not verified through authorized channels
• Cyber incidents beyond our reasonable control

Users are advised to verify all communications and use only official Jekota channels.

17. Third-Party Links & External Platforms

This website may contain links to third-party websites, issuers, platforms, AMCs, RTAs, or service providers for convenience and operational facilitation.

Jekota:

• Does not control third-party websites
• Does not guarantee accuracy or completeness of third-party content
• Is not responsible for third-party terms, privacy practices, or service disruptions
• Does not endorse all third-party views or representations unless explicitly stated

Users should independently review the terms and privacy policies of such third-party websites before proceeding.

18. Limitation of Liability

To the maximum extent permitted by law, Jekota, its directors, employees, officers, affiliates, representatives, agents, technology partners, distributors, or service providers shall not be liable for any:

• Direct loss
• Indirect loss
• Consequential loss
• Incidental loss
• Special damages
• Loss of profits
• Loss of opportunity
• Business interruption
• Data loss
• Portfolio depreciation
• Delayed execution
• Product rejection
• Interest loss
• Missed allotment
• Liquidity constraints
• Market-linked losses

arising out of or related to:

• Use or inability to use the website
• Reliance on website content
• Transaction delays or failures
• Product performance
• Third-party failures
• Regulatory changes
• Market volatility
• Cybersecurity incidents
• Technical errors or outages

19. Indemnity

You agree to indemnify, defend, and hold harmless Jekota, its affiliates, directors, employees, officers, agents, partners, and service providers from and against any and all claims, actions, liabilities, losses, damages, costs, penalties, or expenses (including legal fees) arising from:

• Your use of the website
• Your breach of these Terms
• Your violation of any law or regulation
• Any false, inaccurate, or misleading information provided by you
• Any unauthorized or fraudulent activity linked to your account
• Any third-party claims resulting from your conduct or transactions

20. Suspension / Restriction / Termination

Jekota reserves the right, at its sole discretion, to:

• Suspend or restrict access to the website or any service
• Decline onboarding
• Reject transactions
• Freeze access pending verification
• Remove content
• Terminate user access without prior notice

This may be done in cases involving:

• Suspected fraud
• Regulatory concerns
• Security issues
• KYC/AML non-compliance
• Misuse of platform
• Technical threats
• Legal obligations
• Breach of these Terms

21. Disclaimer on Product Performance

Jekota does not guarantee:

• Any assured returns unless expressly provided by the issuer in official documents
• Capital safety in market-linked or credit-linked products
• Listing or exit opportunities in pre-IPO or unlisted investments
• Secondary market liquidity in bonds, NCDs, MLDs, or pre-IPO opportunities
• Tax treatment remaining unchanged over time
• That any product will remain suitable after changes in your financial circumstances or market conditions

Investors should carefully evaluate product suitability and read all risk disclosures before investing.

22. Governing Law & Jurisdiction

These Terms & Conditions shall be governed by and construed in accordance with the laws of India.

Any disputes arising out of or in connection with these Terms, use of the website, or services offered by Jekota shall be subject to the exclusive jurisdiction of the competent courts located in [Agra, Uttar Pradesh India], unless otherwise required by applicable law.

23. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable under applicable law, the remaining provisions shall continue in full force and effect.

Disclaimer: Investments in securities and market-linked products are subject to market risks. Please read all related scheme/product documents carefully before investing. Past performance is not indicative of future results. Jekota does not provide guaranteed returns unless expressly stated by the product issuer in official offering documents.