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Legal · Investor notice · India

Investor disclaimer for Saventh users

Before you invest through Saventh, understand that all market-linked products carry risk. Saventh helps you access regulated mutual funds and educational tools — it does not promise profits or protect you from market downturns.

View mutual fund disclaimer Regulatory disclosures

Who does what in your investment journey?

Saventh **does not** hold your money in its own balance sheet for fund units. Units are credited to your folio with the AMC/registrar after successful payment and allotment.

Party	Role	What they are responsible for
You (investor)	Decision-maker	Choosing schemes, amounts, risk tolerance; reading SID/KIM
AMC	Fund manager	Managing portfolio, declaring NAV, scheme performance
Saventh (ARN 324457)	Distributor / platform	KYC facilitation, order transmission on BSE Star MF, service support
BSE Star MF	Exchange infrastructure	Order routing, settlement mechanics
SEBI / AMFI	Regulators	Rules governing MFs and distributors

No guaranteed, fixed, or assured returns

Saventh and its representatives **must not** and **do not**:

Market risk includes: equity volatility, interest rate changes, credit events in debt funds, liquidity constraints, currency movement (for applicable funds), and regulatory changes.

Debt funds are **not** substitutes for bank deposits — they carry credit and interest rate risk per scheme portfolio.

Promise fixed returns, “assured” SIP outcomes, or capital protection on mutual funds
Compare future returns to bank FD rates as a guarantee
Imply employer endorsement means risk-free investing
Use past performance charts without “past performance may or may not be sustained” disclaimers

Educational content is not personalised investment advice

Includes: Learn quests, financial fitness sessions, blog-style articles, calculators on `/calculators/*`, goal illustrations.

Nature: General financial education for Indian salaried audiences. Examples use hypothetical numbers unless labelled as live NAV.

Personalised advice: Available only through SEBI-registered investment advisors (RIAs) or AMFI-registered MFDs engaged via `advisor.saventh.com` or disclosed channels — under separate engagement terms.

Your responsibility: Evaluate whether a scheme fits your goals, horizon, and risk capacity. Use Scheme Information Document (SID), Key Information Memorandum (KIM), and Statement of Additional Information (SAI) from AMCs.

Workplace SIP — additional notices for employees

CTA: `.button-2` → "Introduce Saventh to HR" → `/employees/introduce-to-hr`

Workplace SIP is **voluntary**. Your employer does not guarantee investment outcomes.
SIP debits occur per **your mandate** (UPI AutoPay / eNACH) — verify amount and date in the investor app.
Employer may see **programme adoption metrics**, not your live portfolio value, unless separately consented.
Leaving your job does **not** automatically stop SIP — cancel or modify mandates in-app.
HR financial literacy sessions are **educational** — see [`/employers/financial-literacy-sessions`](../employers/financial-literacy-sessions.md).

Calculator and projection disclaimers

SIP, lumpsum, retirement, and other calculators on Saventh:

Formula transparency: Calculators compound at stated frequency for education. Actual fund CAGR will differ. Link each calculator to this disclaimer in footer microcopy.

Use **assumed rates of return** you enter or default examples — not promises
Ignore taxes, exit loads, and market shocks unless explicitly modelled
Produce **illustrative** outputs for planning conversations only

Third-party data and ratings

Scheme facts, NAV history, and riskometer labels may originate from AMCs, CRAs, or data vendors. Saventh strives for accuracy but does not warrant real-time correctness. External star ratings or rankings are **not** Saventh recommendations.

Clicking through to AMC sites is subject to their disclaimers.

Insurance products (if offered)

Where Saventh surfaces insurance (term, health), policies are underwritten by **IRDAI-regulated insurers**. Insurance is not a substitute for mutual fund investing or emergency savings. Read policy wordings, exclusions, and waiting periods. Saventh is not the insurer unless explicitly stated in the product contract.

*[Counsel to activate when insurance SKU live.]*

How Saventh is compensated

Saventh may receive **commission from AMCs** on mutual fund transactions permitted under AMFI guidelines, including trail commission. This is disclosed in regulatory filings and does not result in separate invoicing to you for standard retail distribution.

Commission structures may influence scheme shelf visibility — Saventh aims to present a broad AMC menu aligned with workplace needs, not single-scheme pushing.

Details: [`/legal/regulatory`](./regulatory.md).

If something goes wrong

Service issues (orders, KYC, app) → [`/grievance`](../support/grievance.md)

Regulatory escalation → AMFI, then SEBI SCORES — see [`/legal/regulatory`](./regulatory.md)

Investing disputes about **market losses** are generally not remediable through grievance if the scheme operated per disclosed risk and your orders were authorised.

Frequently asked questions

Can I lose all my money investing through Saventh?

Equity and hybrid mutual funds can decline significantly in bear markets. Debt funds can also lose value in stress scenarios. Invest only after understanding scheme risk categories and your own capacity to bear loss.

Does Saventh pick stocks for me?

No. AMC fund managers pick portfolio securities per scheme mandates. Saventh provides platform access and education; you select which schemes to invest in.

Are Saventh Learn quests a recommendation to buy ELSS?

No. ELSS modules explain tax-saving concepts. Any investment decision requires your independent judgment and KYC-compliant order placement.

What documents must I read before investing?

At minimum: Scheme Information Document (SID), Key Information Memorandum (KIM), latest factsheet, and riskometer for the chosen scheme. Saventh surfaces links where available.

Is past SIP performance shown on Saventh guaranteed to repeat?

No. Past performance illustrations — whether on Saventh or AMC materials — are not indicative of future returns.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Saventh is an AMFI-registered mutual fund distributor (ARN 324457).

Saventh Investment is an AMFI Registered Mutual Fund Distributor.

Disclaimer: Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.

Saventh Investment makes no warranties or representations, express or implied, on products offered through the platform of Saventh Investment. It accepts no liability for any damages or losses, however, caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
Investments in Securities markets are subject to market risks, read all the related documents carefully before investing.

AMFI Registered
ARN - 324457