Terms And Conditions Of Use

These Terms and Conditions of Use ("Terms") govern the access and use of the Mutual Fund Investment Platform ("Investment Platform") available on the mobile application of Amica Financial Technologies Private Limited ("Jupiter App"), provided by Amica Investment Advisers Private Limited ("Jupiter", "Company", "We", "Us", or "Our").

Jupiter Money / Jupiter Edge is wholly owned and operated by Amica Financial Technologies Private Limited. It has no affiliation, partnership, or connection whatsoever with Jupiter Capital Private Limited, Bangalore or any of its associated entities.

The Company is incorporated under the Companies Act, 2013 and is registered with the Association of Mutual Funds in India (AMFI) as a Mutual Fund Distributor and/or Category-1 Execution Only Platform.

Please read these Terms carefully before accepting them. By accessing or using the Investment Platform, You acknowledge that You have read, understood, and agreed to be bound by these Terms.

The Investment Platform enables You to invest in, track, and manage mutual fund investments through direct plans and/or regular plans made available on the Jupiter App.

These Terms may be updated from time to time. Continued use of the Investment Platform constitutes acceptance of the revised Terms.

These Terms are in addition to the Jupiter Terms and Privacy Policy. In case of any inconsistency, these Terms shall prevail only with respect to the Investment Platform.

This document constitutes an electronic record under the Information Technology Act, 2000 and does not require any physical or digital signature.

1. Acceptance of the Terms and Conditions

These Terms constitute a legally binding agreement between You and the Company.

By using the Investment Platform, You agree to:

  • Provide true, accurate, current, and complete information.
  • Update Your information whenever required.

If any information is found to be incorrect, incomplete, or misleading, the Company reserves the right to suspend, restrict, or terminate Your access without prior notice.

The Company may also freeze or terminate Your investment account to comply with applicable laws or directions issued by courts, regulators, or government authorities.

2. Mutual Fund Services

2.1 Services

The Investment Platform enables You to:

  • Invest in mutual fund schemes.
  • Track Your investments.
  • Manage Your portfolio.
  • Access additional investment products, where available.

You may independently evaluate and select mutual fund schemes suitable for Your financial goals.

The Platform may offer:

  • Direct Plans
  • Regular Plans

Direct Plans

For Direct Plans, the Company acts only as a technology and execution platform facilitating investments directly with the respective Asset Management Companies (AMCs).

Regular Plans

For Regular Plans, the Company acts as a registered Mutual Fund Distributor and may receive:

  • Commission
  • Brokerage
  • Trail fees
  • Other compensation

from the respective AMCs in accordance with applicable regulations.

You acknowledge that:

  • Direct Plans and Regular Plans may have different expense ratios.
  • Regular Plans generally include distributor commissions.
  • The Company may earn compensation from AMCs for Regular Plans.
  • Such compensation is not separately charged unless expressly disclosed.

Informational Content

The Platform may display:

  • Portfolio summaries
  • Calculators
  • Insights
  • Recommendations
  • Educational content
  • NAV information
  • Expense ratios
  • Estimated returns
  • Portfolio illustrations

This information is provided solely for educational and informational purposes and does not constitute:

  • Investment advice
  • Tax advice
  • Financial advice
  • Recommendation to buy or sell any mutual fund

You are solely responsible for determining whether any investment is suitable based on Your:

  • Financial objectives
  • Risk appetite
  • Investment goals
  • Financial situation

Mutual fund investments are subject to market risks.

The Company does not guarantee:

  • Returns
  • Capital protection
  • Liquidity
  • Redemption timelines
  • Scheme performance

All dealings between You and the relevant AMC remain independent of the Company.

2.2 KYC Verification and User Onboarding

Only users satisfying applicable KYC requirements may access the Investment Platform.

You authorize the Company to verify Your KYC through:

  • KYC Registration Agencies (KRAs)
  • Registrar & Transfer Agents (RTAs)
  • Asset Management Companies (AMCs)
  • Other authorized intermediaries

You may be required to provide:

  • Full name
  • PAN
  • Date of Birth
  • Address proof
  • Bank account details
  • Mobile number
  • Photograph
  • Signature
  • Any additional information required under applicable laws

You consent to sharing this information with:

  • AMCs
  • RTAs
  • KRAs
  • Exchanges
  • Payment partners
  • Other authorized service providers

solely for onboarding, compliance, servicing, and transaction processing.

2.3 Investment Process

Once KYC compliant, You may invest in available mutual fund schemes.

You authorize the Company and its payment partners to process:

  • UPI payments
  • Bank transfers
  • NACH mandates
  • Standing instructions
  • Redemption credits

Transaction Instructions, once submitted, may not be reversible, subject to AMC policies and applicable regulations.

Transaction execution is performed on a best-effort basis.

Delays may occur due to:

  • Banking issues
  • Technical failures
  • AMC processing delays
  • Exchange delays
  • Regulatory requirements
  • Third-party service interruptions

The Company shall not be liable for losses arising from such delays.

3. Fees and Charges

The Company may receive:

  • Commission
  • Brokerage
  • Trail fees
  • Other compensation

from AMCs for distributing Regular Plan mutual funds.

No separate advisory fee is charged unless specifically disclosed.

Commission disclosures shall be made in accordance with SEBI and AMFI regulations.

4. Privacy and Data Protection

The Company collects, stores, processes, and shares Your information in accordance with applicable laws and the Privacy Policy.

Information may be shared with:

  • AMCs
  • KRAs
  • RTAs
  • Partner Banks
  • Payment Partners
  • Regulators
  • Service Providers

only for legitimate business and regulatory purposes.

5. Preservation and Disclosure

The Company may preserve or disclose Your information when required:

  • By law
  • Court orders
  • Regulatory directions
  • Fraud prevention requirements
  • Enforcement of these Terms

6. Third Party Services

The Platform may integrate with:

  • AMCs
  • Exchanges
  • RTAs
  • Payment systems
  • Other third-party service providers

The Company is not responsible for delays, interruptions, or failures caused by such third parties.

7. Intellectual Property

All intellectual property associated with the Investment Platform, including:

  • Software
  • Logos
  • Trademarks
  • Designs
  • Content
  • Technology

belongs to the Company or its licensors.

8. User Content

You shall not upload or transmit any content that is:

  • Unlawful
  • Harmful
  • Defamatory
  • Obscene
  • Misleading
  • Infringing upon third-party rights

9. Confidentiality

The Company shall maintain confidentiality of Your information in accordance with applicable laws and the Privacy Policy.

10. Modification of Terms

The Company may modify these Terms, the Privacy Policy, Disclaimer Document, or Platform features at any time.

Continued use of the Platform constitutes acceptance of the updated Terms.

11. Termination

The Company may suspend, restrict, or terminate Your access for:

  • Security reasons
  • Legal requirements
  • Compliance obligations
  • Operational reasons

12. Limitation of Liability

To the fullest extent permitted by law, the Company shall not be liable for losses arising from:

  • Use of the Investment Platform
  • Investment decisions
  • Transaction delays
  • Market fluctuations
  • Technical failures
  • Third-party service interruptions

13. Indemnity

You agree to indemnify and hold harmless the Company against claims arising from:

  • Your use of the Platform
  • Violation of these Terms
  • Breach of applicable laws
  • Infringement of third-party rights

14. Disclaimer of Warranties

The Platform is provided on an "as is" and "as available" basis.

The Company makes no warranties regarding:

  • Availability
  • Accuracy
  • Reliability
  • Error-free operation
  • Fitness for a particular purpose

15. Notices

The Company may communicate notices through:

  • Email
  • SMS
  • In-app notifications
  • Website publications
  • Other electronic means

16. Governing Law and Jurisdiction

These Terms shall be governed by the laws of India.

Courts located in Mumbai, Maharashtra shall have exclusive jurisdiction.

Any disputes shall be resolved through arbitration under the Arbitration and Conciliation Act, 1996 by a sole arbitrator appointed by the Company.

The seat and venue of arbitration shall be Mumbai.

17. Grievance Redressal Mechanism

Grievance Officer

Mr. Sandeep Raj

Amica Investment Advisers Private Limited

Email: groescalation@jupiter.money

18. Mutual Fund Risk Disclosure

  • Mutual fund investments are subject to market risks.
  • Read all scheme-related documents carefully before investing.
  • Direct Plans and Regular Plans may differ in expense ratios, commissions, and returns.
  • Investors should independently evaluate the suitability of investments.

19. Distributor Disclosure for Regular Plans

For investments made into Regular Plan mutual funds:

  • The Company acts as a Mutual Fund Distributor.
  • The Company may receive commissions and trail income from AMCs.
  • Such commissions are embedded within the expense ratio of Regular Plans.
  • Regular Plans may generate lower returns than Direct Plans due to distributor commissions.

The Company does not guarantee returns, capital appreciation, or investment performance for any mutual fund investment.