Terms and Condition

1. Acceptance of Terms

By accessing or using this website, you agree to comply with and be bound by these Terms & Conditions along with our Privacy Policy and Disclaimer. If you do not agree with any part of these terms, please do not use this website.

2. About Us

This website is owned and operated by:

Happy2invest, 32C New Road, Kolkata 700027, West Bengal, India (GST: 19AFMPJ2727G1ZB)

We are an AMFI-Registered Mutual Fund Distributor (ARN-180402) and a SIF (Specialised Investment Fund) Distributor. We are engaged in the distribution of Mutual Funds, SIF, PMS, AIF, Insurance, and other financial products.

We are NOT a SEBI Registered Investment Adviser (RIA) under the SEBI (Investment Advisers) Regulations, 2013. We do not provide investment advice for a fee.

3. Use of Website

By using this website, you agree:

• To use the website only for lawful purposes
• Not to misuse, damage, hack, or disrupt the website or its systems
• Not to upload harmful, illegal, or unauthorised content
• Not to copy, reproduce, or distribute website content without prior written permission
• All content (text, images, design, logos, data) is the intellectual property of Happy2invest  and protected under applicable laws

4. No Guarantee or Warranty

While we strive to provide accurate and timely information, we do not guarantee:

• Accuracy, completeness, or timeliness of any content on this website
• Error-free or uninterrupted access to the website
• Suitability of any product or scheme for any individual investor

All investments in Mutual Funds and other financial products are subject to market risks. We do not guarantee returns or performance of any investment product. Past performance does not indicate future results.

5. Distribution & Risk Disclaimer

Happy2invest  acts solely as a distributor of financial products. All information, scheme details, and product descriptions on this website are for informational and educational purposes only and do not constitute investment advice, a solicitation, or an offer to buy or sell any financial product.

You acknowledge that:

• All investments carry inherent market risks
• Past performance of any scheme does not predict or guarantee future returns
• You are responsible for independently evaluating any investment decision
• Investors should read the Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM) carefully before investing.
• Exit loads and Total Expense Ratio (TER) are applicable — investors are advised to check these before investing.

6. Commission Disclosure

We deal in Regular Plans only for Mutual Fund schemes and earn a trailing commission from Asset Management Companies (AMCs) on client investments. We do not earn commission on Direct Plans. Investors may choose to invest in Direct Plans directly through AMC websites at a lower expense ratio. Detailed commission disclosure is available on our [Disclosure page].

7. Third-Party Links

This website may contain links to external websites (SEBI, AMFI, AMC websites, etc.) for user convenience. Happy2invest  does not endorse or take responsibility for:

• The content or accuracy of third-party websites
• The privacy practices of external sites

Accessing any third-party website is entirely at your own risk.

8. Limitation of Liability

Happy2invest  shall not be liable for:

• Any financial loss or damage arising from investment decisions made based on content available on this website
• Losses due to errors, omissions, delays, or interruptions in service
• Unauthorised access, hacking, data breaches, or technical failures
• Events beyond our reasonable control (Force Majeure) including natural disasters, system failures, or regulatory changes

9. Investor Grievances

For any complaints or grievances related to our services, please contact:

Grievance Officer: Lakshya Jayaswal   info@happy2invest.in | +91 918100330054

If your complaint is not resolved within 30 days, you may escalate to: SEBI SCORES Portal: scores.sebi.gov.in AMFI: amfiindia.com

10. Modification of Terms

Happy2invest  reserves the right to modify or update these Terms & Conditions at any time without prior notice. Changes will be posted on this page with a revised effective date. Continued use of the website after any changes constitutes your acceptance of the revised terms.

11. Governing Law

These Terms & Conditions are governed by the laws of India. Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the courts of Kolkata, West Bengal.

12. Contact Us

For any legal or support enquiries:

Happy2invest, 32C New Road, Kolkata 700027, West Bengal, India
info@happy2invest.in | +91 8100330054