This Disclaimer applies to the website www.finzip.in, the Finzip mobile application and related services (the “Platform”) operated by Finzip Private Limited (“Finzip”). By using the Platform you acknowledge and accept this Disclaimer, which should be read together with our Terms and Conditions.
1. Information only
The general information, educational content, market data, tools and calculators made available on the Platform are provided for information and convenience only and do not, by themselves, constitute investment, legal, tax or insurance advice, or an offer or solicitation to buy or sell any product. Where Finzip provides a recommendation in relation to mutual fund schemes, it does so as incidental advice as described in Section 2. You should make your own assessment before acting on any information, and the final decision is yours.
2. Mutual fund distribution and incidental advice
Finzip is an AMFI-registered Mutual Fund Distributor (ARN-189270) and distributes Regular plans of mutual fund schemes, for which it earns distribution commission from the respective AMCs. The indicative rates of commission receivable by Finzip for the different competing schemes are set out in our Disclosures.
Any scheme recommendation, curated scheme list, suggested allocation or goal-based suggestion that Finzip provides is incidental advice given in connection with its mutual fund distribution activity, and is limited to the mutual fund schemes it distributes — the incidental advice a mutual fund distributor is permitted to provide under the SEBI (Investment Advisers) Regulations, 2013. It is based on the information and risk profile you provide, and the final decision is yours.
Finzip’s guidance is limited to mutual fund schemes and, as an IRDAI-registered Corporate Agent (CA0985), insurance. You remain responsible for your own investment decisions; incidental advice is not an assurance of suitability, performance or returns. Please read all scheme-related documents carefully before investing.
3. Market risk
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. The value of investments and the income from them can go up or down, and you may get back less than you invested. The performance and returns of any investment can neither be predicted nor guaranteed, and Finzip does not assure or guarantee any returns or capital protection.
4. Insurance
Finzip solicits and services insurance products as an IRDAI-registered Corporate Agent (Composite) (CA0985). Insurance is the subject matter of solicitation. All insurance policies are issued and underwritten by the respective insurers, who are solely responsible for the policy terms, pricing, acceptance of proposals and settlement of claims. Finzip is not the insurer and does not bear insurance risk.
5. Accuracy of information
While we take reasonable care, Finzip does not warrant that the information, data, calculators or content on the Platform are accurate, complete, current or error-free. Product information is sourced from AMCs, insurers and other third parties and is subject to change without notice. Any reliance you place on such information is at your own risk.
6. Third-party content
The Platform may contain content, materials or links belonging to AMCs, insurers and other third parties. Such content remains the property of the respective owners, and Finzip is not responsible for it.
7. No liability
To the maximum extent permitted by law, Finzip and its directors, officers and employees shall not be liable for any loss or damage arising from the use of, or reliance on, the Platform or its content, or from any investment or insurance decision taken by you.
8. Regulatory note
Registration with AMFI, SEBI or IRDAI does not constitute any guarantee, assurance or undertaking by AMFI, SEBI, IRDAI or the Government regarding the performance of Finzip or of any product distributed through the Platform.


