Please read these terms carefully before using our website or engaging our financial distribution services. By accessing this website or availing any of our services, you agree to be bound by these terms.
Using this site means you accept these terms
ARN 347452 · IRDAI TATAAIA4727185
Laws of India · HP Jurisdiction
Updated with reasonable notice
By accessing, browsing, or using the website of KukuMF ("we", "us", "our") or by availing any of our financial distribution services, you ("user", "you") unconditionally accept and agree to be legally bound by these Terms & Conditions.
If you do not agree with any part of these terms, please discontinue use of this website and our services immediately.
Continued use of this website constitutes acceptance. These terms form a legally binding agreement between you and KukuMF. Please read them fully before proceeding.
KukuMF is an AMFI Registered Mutual Fund Distributor (ARN 347452) and IRDAI Licensed Insurance Distributor (License No. TATAAIA4727185), operating from Shop No. 25, Suket Shopping Complex, Near Bus Stand Sundernagar, District Mandi, Himachal Pradesh – 175002.
We are registered and regulated by the Association of Mutual Funds in India (AMFI) and the Insurance Regulatory and Development Authority of India (IRDAI). We are not a SEBI Registered Investment Adviser (RIA) and do not provide fee-based investment advice.
Distributor, Not Adviser: All information on this website is for educational and informational purposes only. We distribute mutual fund schemes and insurance products — we do not provide personalised investment advice or portfolio management services.
This website is intended solely for individuals residing in India seeking information about mutual fund distribution and insurance products. By using this site, you confirm that you are at least 18 years of age and legally capable of entering into a binding agreement.
You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:
We provide the following financial distribution services subject to applicable SEBI, AMFI, and IRDAI regulations:
Not Investment Advice: Nothing on this website constitutes investment advice, a solicitation to buy or sell any securities, or a guarantee of returns. All investment decisions are yours alone and at your own risk.
When using our services, you agree to the following obligations:
You must provide truthful, complete, and up-to-date information during KYC, account opening, and all subsequent interactions. Providing false information is a violation of PMLA and SEBI regulations.
You are responsible for ensuring that all KYC documents submitted are authentic and valid. Any change in personal details must be reported to us promptly.
You acknowledge that mutual fund investments are subject to market risks. You must read all scheme documents, including the SID, SAI, and KIM, before investing in any scheme.
All investment and insurance decisions are your personal choice and responsibility. You should independently evaluate suitability based on your financial goals and risk tolerance.
Accurate Information
Provide truthful, complete KYC information. False information violates PMLA and SEBI regulations.
Document Compliance
Ensure KYC documents are authentic. Report any personal detail changes promptly.
Risk Awareness
Read all scheme documents (SID, SAI, KIM) before investing in any mutual fund.
Own Decisions
All investment decisions are your personal responsibility. Evaluate suitability independently.
To the maximum extent permitted by applicable law, our liability in connection with your use of this website and our services is limited as follows:
| Situation | Our Liability |
|---|---|
| Investment losses in mutual funds | Nil — market risks are borne entirely by the investor |
| Insurance claim rejection by insurer | Nil — subject to policy terms and insurer's decision |
| Errors in financial calculators | Nil — tools are indicative only, not financial guarantees |
| Website downtime or technical errors | Nil — we do not guarantee uninterrupted availability |
| Third-party website content | Nil — we are not responsible for external site content |
| Decisions based on website content | Nil — all decisions are your independent responsibility |
All content on this website — including text, design, graphics, logos, icons, images, and software — is the intellectual property of KukuMF and is protected under applicable Indian intellectual property laws.
You may not copy, reproduce, distribute, publish, or create derivative works from any content on this website without our prior written consent. Scheme-related documents (SID, SAI, KIM) are the property of respective AMCs and SEBI-regulated entities.
Our website may contain links to external websites including SEBI (sebi.gov.in), AMFI (amfiindia.com), SEBI SCORES (scores.sebi.gov.in), AMC portals, and other regulatory bodies.
These links are provided for your convenience only. We have no control over the content, privacy practices, or availability of external websites and accept no responsibility for them. Visiting any external link is entirely at your own risk.
These Terms & Conditions are governed by and construed in accordance with the laws of India. Any disputes arising from the use of this website or our services shall be subject to the exclusive jurisdiction of competent courts located in Mandi, Himachal Pradesh, India.
Governed by the laws of India. Disputes subject to exclusive jurisdiction of courts in Mandi, Himachal Pradesh, India.
For investor grievances, SEBI has established a dedicated platform: scores.sebi.gov.in. You may also contact SEBI's helpline at 1800-266-7575 (toll free) before approaching courts.
We reserve the right to modify these Terms & Conditions at any time to reflect changes in our services, applicable laws, or regulatory requirements. When material changes are made, we will:
Your continued use of this website following the posting of any changes constitutes acceptance of the revised Terms & Conditions. We encourage you to review this page periodically.
For any questions, clarifications, or concerns regarding these Terms & Conditions, please reach us through:
KukuMF (AMFI ARN 347452, IRDAI TATAAIA4727185) operates as a mutual fund distributor and insurance intermediary. The content on this website is for informational purposes only and does not constitute investment advice. All mutual fund investments are subject to market risks. Please read all scheme related documents carefully before investing.
These terms are governed by the laws of India and are subject to the jurisdiction of competent courts in Mandi, Himachal Pradesh. For regulatory queries, visit sebi.gov.in or amfiindia.com.