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These are the Terms and Conditions governing the ‘LIFEY- Life stage investments for you’. The acceptance of these terms and conditions is a prerequisite for availing the said facility / product. We may update or amend these terms from time to time by posting such updates or amendments to the site. Your use of the site after we post any such updates or amendments will constitute your agreement to those updates or amendments. Please carefully read these terms before accessing or using any of the services. In case the same are not acceptable, please do not access or use this facility / product. The said terms and conditions would be applicable to all clients, individual / non-individual resident or no-resident.

• Clients hereby agrees that he is responsible to pay all charges, fees etc. as agreed between client and ICICI Securities Limited (“hereinafter referred to as I-Sec”).
• Clients hereby agrees that the calculation and results displayed are based on information provided by client and is for assistance only and does not constitute an offer or solicitation. It is not intended to be and must not alone be taken as the basis for an investment decision. The client is advised to seek appropriate professional advice before acting on the basis of the above information.
• Clients must note that the returns are only illustrative and they are not guaranteed. The returns do not indicate the upper or lower limits of the return that clients may get and the same is dependent on a number of factors including future performance. Neither I-Sec nor its employees, associate or group companies, its directors shall not be in any way responsible or liable for any loss or damage that may arise to any person from any inadvertent error in the information reported by the calculator.
• Clients understand that their financial situation is unique and products and services I-Sec reviews may not be right for your circumstances. Performance information may have changed since the time of publication. Past performance is not indicative of future results.
• In view of individual nature of tax consequences, each investor is advised to consult his/ her own professional tax advisor before taking any investment decision.
• The calculators are based on assumed rate of returns and meant for illustration purposes only. Some of the features may or may not be currently available for investments. The calculators are designed to assist you to get a better understanding on how returns would have panned out in various scenarios. This calculator alone is not sufficient and shouldn’t be used for the development or implementation of any investment strategy. The calculator uses information that is publicly available and information developed in-house. Information gathered and material used in this calculator is believed to be from reliable sources. However, I-Sec does not warrant the accuracy, reasonableness and/or completeness of any such information. The examples do not purport to represent the performance of any security or investments. It is neither an investment advice nor should it be construed as indicative of any of the schemes of any Asset Management Company. Invest as per your risk appetite and time horizon.
• Clients agrees to allow ICICI Securities to utilize its KYC information such as identity (name, PAN, age etc.), address and signature for sending it to Asset Management Companies (AMC) for the purpose of validation and to comply with the legal and regulatory requirements.
• Clients agrees and understand that it shall be solely liable to inform ICICI Securities in case of any change in its KYC information including change in signature/ signatories etc. and in the event of signature not being updated, available or legible in KYC records, ICICI Securities would be within its rights to carry out further checks to validate the authenticity of the request or reject any such offline request based on existing KYC information.
• Clients hereby declare that the amount invested in the scheme is through legitimate source only and does not involve designed for the purpose of the contravention of any Act, Rules, Regulations, Notifications or Directives of the provisions of the Income Tax Act, Anti Money Laundering Laws, Anti-Corruption Laws or any other applicable laws enacted by the Government of India from time to time.
• Clients hereby declare that the amount invested in the scheme is through legitimate source only and does not involve designed for the purpose of the contravention of any Act, Rules, Regulations, Notifications or Directives of the provisions of the Income Tax Act, Anti Money Laundering Laws, Anti-Corruption Laws or any other applicable laws enacted by the Government of India from time to time.
• Clients hereby agree that they have not received nor have been induced by any rebate or gifts, directly or indirectly in making this investment.
• Clients are aware that the units of the schemes shall be allotted, redeemed or switched, as the case may be, at the Net Asset Value (NAV) prevalent on the date of the application, if the application for purchase, redemption or switch is received by the Fund before the cut-off time as specified on the website and consistent with the terms of the Scheme. ICICI Securities Ltd shall take all necessary action to ensure that the NAV allotted is the NAV applicable on the date of the transaction. However I-Sec shall not be liable for any loss that may arise /us as a result of the correct NAV not being allotted to my/our transactions on the website.
• I-Sec Ltd does not accept any liability for delay in processing time at the Mutual Fund's or Registrar's end.
• I-Sec shall provide its services on a best effort basis. Neither I-Sec, nor any of the Mutual Funds shall be liable for any failure to perform its obligations, to the extent that such performance has been delayed, hindered or prevented by: a) System failure including failure of ancillary or associated systems, or fluctuation of power, or other environmental conditions; or b) Accident, transportation, neglect, misuse, errors, frauds of the clients or agents or any third party, acts of God, floods, epidemics, quarantine, riot or civil commotion and war.; or c) Any fault in any attachments or associated equipment of the clients; or d) Any incidental, special or consequential damages including without limitation of loss of profit. The client further agrees to indemnify ICICI Securities Ltd for any loss that may arise as a result of system failure, accident or any of the reasons mentioned above.
• For NRIs only - I / We confirm that I am/ we are Non Residents of Indian nationality/origin and that I/We have remitted funds from abroad through approved banking channels or from funds in my/ our Non Resident External / Non Resident Ordinary / FCNR account.
• 15.I/We understand that as per the above mentioned SEBI circular, with effect from August 1, 2009 all distributors are required to disclose to its investors all the commissions payable to him for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to its investors. In view of the same, I/We have been disclosed by ICICI Securities Ltd that the following type of commissions/reimbursements are payable to ICICI Securities Ltd by different Asset Management Companies (AMCs):
• No Upfront commission is received at the time of making investment.
• Trail commission on an annual basis ranging from 0% to 4.00% varying from AMC to AMC and depending upon the type of scheme in which investment made and the location of investor as per KYC. The said trail commission may vary from time to time as agreed between I-Sec and AMC.
• Reimbursements received from AMCs towards promotion and marketing related activities conducted by ICICI Securities Ltd on behalf of AMCs. These reimbursements are event based and the same may or may not be received from AMCs in a particular period. Further, since such activities may be carried out at AMC level, reimbursement amount received cannot be attributed to any specific scheme being offered by such AMC.
• It is explicitly stated herein that the Mutual Fund schemes offered online, have not been recommended by ICICI Securities Limited. I/We have understood the products suitable to me/us based on my/our risk profile and I/We acknowledge that ICICI Securities will not be held liable for any losses suffered by me/us. I/We hereby confirm that since this is an Execution Only transaction, Employee Unique Identity Number (EUIN) allotted to Sales employee by AMFI is not applicable. Please note that ICICI Securities also distributes Mutual Fund Schemes of ICICI Prudential Asset Management Company which is an ICICI Group Company. However, there exists no conflict of interest since the transactions are executed at Client's sole discretion.
• Clients hereby confirm that details provided by me/us are true and correct.
• Investments are subject to market risk. Please carefully read all the Statement of Additional information, Scheme information document and all other relevant offer documents before deciding to make this investment.
• I-Sec is the distributor of mutual fund having AMFI Regn. No.: ARN-0845. All disputes with respect to the distribution activity would not have access to Exchange investor redressal or Arbitration mechanism.

The client agrees and acknowledges that the facility / product provided by ICICI Securities are not intended to supply investment, financial, tax or legal advice. It is not investment advisory service and any observations concerning any security or investment advisory is not a recommendation to buy, sell or hold such investment or security or to make any other investment decisions. Client acknowledges and agree that any use of the services, any decisions made in reliance on the aforesaid services, including any trading or investment decisions or strategies, are made at your own risk. It is entirely client’s responsibility to assess the appropriateness, suitability, and practicality of the investment. The said services is just incidental to the distribution of mutual fund.