Terms of Service

These Terms of Service (the “Terms”) form a binding agreement between you and NobleWealth. By accessing our website, creating an account, or instructing us to execute any transaction, you confirm that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy.

If you do not agree with any clause, please do not use our services. Continued use after updates constitutes acceptance of the revised Terms.

NobleWealth acts in two distinct regulatory capacities:

• AMFI-registered Mutual Fund Distributor (MFD) — execution-only distribution of mutual funds, including SIPs, lumpsum purchases, redemptions, switches, STPs and SWPs.
• IRDAI-licensed insurance intermediary — solicitation and servicing of life, health, and general insurance policies.

We additionally facilitate access to PMS, AIF, SIF, NPS and other regulated products through empanelled providers. We act on your instructions; we do not exercise discretion over your portfolio without your express consent on a per-transaction basis.

You must be an Indian resident (or NRI subject to applicable RBI rules), at least 18 years of age, and KYC-compliant per SEBI and PMLA norms. For minor folios, transactions must be operated by a registered guardian. We may decline to onboard you if KYC or background checks do not satisfy regulatory standards.

Our recommendations are based on your stated risk profile, financial goals, and current regulations. We do not guarantee any specific return. Equity and equity-oriented schemes carry higher risk; debt schemes carry credit and interest-rate risk; insurance-linked investment products are not deposits and are not guaranteed by any government scheme.

You pay zero advisory or platform fees directly to NobleWealth. We are remunerated by:

• AMCs / Mutual Funds — through trail commission on Regular plans, disclosed per SEBI norms.
• Insurance companies — through commission on policy premiums, per IRDAI norms.
• PMS / AIF / SIF providers — through standard distributor commission, where applicable.

You may obtain the exact commission structure for any product on request. We disclose any incentive arrangements that could create a conflict of interest. We do not promote higher-commission products over those better aligned to your goals.

• Keep your login credentials confidential. NobleWealth will never ask for your password.
• Verify every transaction confirmation against your folio / policy / bank statement.
• Report unauthorised transactions within 7 days of discovery.
• Maintain accurate KYC, bank, nominee, FATCA and contact details at all times.
• Ensure adequate bank balance for SIPs and mandate debits to avoid bounce penalties.

Orders are executed strictly per the cut-off times of the respective AMC / insurer / exchange. NSE MFSS processes orders on T+1 settlement; insurance policies activate on receipt of premium and underwriting clearance. Orders placed after cut-off are queued for the next business day's NAV. NobleWealth is not responsible for delays caused by third-party systems, banking gateways, or KYC re-verification holds.

NobleWealth's liability, in any circumstance, is limited to the actual commission received from a third party on the specific transaction giving rise to the claim. We are not liable for:

• Market losses from your investment decisions.
• Failures by AMCs, insurers, depositories, banks, NSE, BSE, NPS-CRA or other third parties.
• Force-majeure events including but not limited to systemic outages, regulatory halts, and natural disasters.
• Indirect, incidental, special, or consequential damages.

You may close your account at any time by giving us written notice. We may terminate or suspend service with notice if we have reasonable belief of fraud, KYC failure, regulatory breach, or material non-compliance with these Terms. Termination does not affect existing investments — your folios, policies, and demat holdings remain in your name with the respective issuers.

If you have a complaint, please follow this escalation path:

1. Write to our Customer Service at the email in the document footer. Expected resolution: 7 working days.
2. Unsatisfied? Escalate to our Compliance Officer / Grievance Officer (same channel; mark “Grievance”). Expected resolution: 15 working days.
3. Still unresolved? Approach the applicable regulator: SEBI SCORES (scores.sebi.gov.in), IRDAI Bima Bharosa (bimabharosa.irdai.gov.in), or AMFI.

These Terms are governed by the laws of India. All disputes, claims, and proceedings will be subject to the exclusive jurisdiction of the courts of Mumbai, Maharashtra, India. Arbitration may be invoked under the Arbitration and Conciliation Act, 1996 by mutual consent of the parties.

We may revise these Terms periodically to reflect regulatory changes, product additions, or operational updates. Material changes will be notified via email to registered investors and prominently displayed on this page. The “Last updated” date in the document header always reflects the current version.