These Terms of Use (“Terms”) govern your access to and use of vmfinancialservices.com (the “Site”), operated by Vijay Malik Financial Services (sole proprietor: Ojasvi Malik, ARN-317605). By using the Site, you agree to these Terms.
1. Eligibility
You must be at least 18 years old and a resident of India with legal capacity to contract to use this Site for any transactional purpose.
2. Nature of services
We are an AMFI-registered Mutual Fund Distributor. The Site provides:
- Mutual fund research, screening, comparison, and overlap analysis.
- Financial calculators (SIP, SWP, lumpsum, goals, retirement, FIRE, tax, etc.).
- Educational long-form articles on mutual fund topics.
- Lead intake and contact forms to begin a distribution relationship.
We do not provide investment advice. See our Disclaimer for full detail.
3. No advisory relationship
Nothing on this Site creates an investment advisor – client relationship. We are not your fiduciary. For personalised investment advice, consult a SEBI-Registered Investment Adviser.
4. Accuracy of information
Fund data is sourced directly from AMFI India (NAVOpen daily files and NAV history reports) and AMC public releases. We refresh NAVs daily and sync scheme master data regularly. While we make best effort, we make no warranty of accuracy, completeness, or timeliness. Verify NAVs on AMC or AMFI websites before transacting.
5. Acceptable use
You agree NOT to:
- Scrape or systematically extract data beyond ordinary browsing.
- Attempt to break authentication, rate limits, or other security controls.
- Submit false personal information through forms.
- Use the Site to send spam or solicit recipients without consent.
- Reverse-engineer, decompile, or copy any portion of the Site.
- Use automated agents (bots, crawlers) other than well-behaved search engine crawlers.
6. Intellectual property
All content (articles, code, design, brand marks, charts, derived analysis) is owned by Vijay Malik Financial Services or its licensors. You may view and share links to public pages. Republishing significant portions of content requires written permission.
7. Third-party content
The Site links to AMC websites, SEBI, AMFI, and external research. We do not endorse and accept no liability for third-party content.
8. Advertising
The Site may display advertisements served by Google AdSense or equivalent ad networks. Ad content is selected by the ad network and does not constitute our endorsement.
9. Limitation of liability
To the maximum extent permitted by law, Vijay Malik Financial Services shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages — including but not limited to lost profits, lost data, or investment losses — arising from your use of the Site or reliance on its content.
Investments through us are governed by separate distributor agreements and AMC scheme documents.
10. Indemnification
You agree to indemnify and hold harmless Vijay Malik Financial Services from any claim arising out of your breach of these Terms or your violation of any law or third-party right.
11. Privacy
Your use of the Site is also governed by our Privacy Policy.
12. Termination
We may suspend or terminate your access to the Site at any time, for any reason, including but not limited to violation of these Terms or applicable law.
13. Changes to terms
We may update these Terms periodically. Material changes will be noted with an updated effective date. Continued use after updates constitutes acceptance.
14. Governing law and jurisdiction
These Terms are governed by the laws of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts at Mohali, Punjab, India.
15. Contact
Questions about these Terms? Email ojasvi.malik@vmfinancialservices.com or call +91 94173 34348.