--- title: Terms & Conditions canonical_url: https://sanchaykaro.com/terms-conditions/ last_updated: 2026-06-25T10:41:25+00:00 plugin_version: 1.2.2 --- # Terms & Conditions Terms & Conditions | Sanchay Karo - AMFI Registered Mutual Fund Distributor Legal · Updated for FY 2025-26 Terms & Conditions Sanchay Karo ===================================== Investment education, mutual fund distribution and Smallcase research — built on transparency. Read how we operate, what we earn, and where your responsibility as an investor begins. **Effective Date:** May 31, 2025 **Website:** sanchaykaro.com **Contact:** admin@sanchaykaro.com ARN Holder**Pallab Routh** ARN Number**301757** EUIN**E572917** MSME / Udyam**UDYAM-WB-12-0123391** READING PROGRESS Expand all Matching clauses highlight instantly below — fully client-side, no data leaves your browser. #### On this page 1. [General Disclaimer](#c1) 2. [About Sanchay Karo](#c2) 3. [Regulatory Status](#c3) 4. [Demat & Investment Guidelines](#c4) 5. [Smallcase Portfolios](#c5) 6. [Multibagger Research Service](#c6) 7. [Investment Risk Disclosure](#c7) 8. [No Investment Advice](#c8) 9. [Client Suitability & Risk](#c9) 10. [Mutual Fund Transactions](#c10) 11. [NPS Services](#c11) 12. [Demat Account Services](#c12) 13. [Loan Referral Services](#c13) 14. [Credit Card Referrals](#c14) 15. [Commissions & Compensation](#c15) 16. [Advertisements & Affiliate Links](#c16) 17. [Data Collection & Privacy](#c17) 18. [User Responsibilities](#c18) 19. [Electronic Communication](#c19) 20. [Intellectual Property](#c20) 21. [Limitation of Liability](#c21) 22. [Indemnification](#c22) 23. [AML / KYC Compliance](#c23) 24. [International Users](#c24) 25. [Force Majeure](#c25) 26. [Branch & Contact Info](#c26) 27. [Grievance Redressal](#c27) 28. [Governing Law](#c28) 29. [Changes to Terms](#c29) 30. [Mandatory AMFI Disclosure](#c30) ⊕ Expand all clauses ⊖ Collapse all clauses 01### General Disclaimer EducationalNo F&O [Sanchay Karo](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757 "Sanchay Karo") provides educational content and investment-related information, primarily focused on stock market investments and long-term portfolio creation. All content on this website is intended solely for educational purposes and does not constitute financial advice. We do **not** recommend or encourage F&O (Futures & Options) trading. Any information provided about stocks is strictly for informational and educational use. Visitors are strongly encouraged to consult with a certified financial advisor before making any investment decisions. 02### About Sanchay Karo Sanchay Karo ("Company", "we", "our", or "us") is a financial services and investment-education platform offering: - Mutual Fund Distribution & SIP Facilitation - Investment Education & Goal-Based Financial Planning - Demat Account Opening Assistance - National Pension System (NPS) Facilitation - Loan, Credit Card & Insurance Referrals - Financial Awareness Programs & Wealth Creation Education The platform is owned and operated by **Pallab Routh**. By accessing, browsing, registering on, or using any services provided through **www.sanchaykaro.com**, mobile applications, landing pages, communication channels, or partner platforms, you agree to be legally bound by these Terms & Conditions, our Privacy Policy, Disclaimer, Cookie Policy, and all applicable laws. If you do not agree, please discontinue use of our services immediately. 03### Regulatory Status AMFI RegisteredNot an RIA Sanchay Karo is operated and managed by **Mr. Pallab Routh**, an **AMFI Registered Mutual Fund Distributor** authorized to distribute Mutual Fund products of various AMCs as per AMFI and SEBI guidelines. ARN Holder**Pallab Routh** ARN Number**301757** EUIN**E572917** Udyam Reg. No.**UDYAM-WB-12-0123391**#### We are NOT - SEBI Registered Investment Adviser (RIA) or Research Analyst (RA) - Portfolio Management Service (PMS) or Alternative Investment Fund (AIF) - Stock Broker or Depository Participant - Loan Sanctioning Authority or Insurance Company - Wealth Management Firm offering guaranteed returns All calculators, SIP illustrations, market commentary, stock discussions, webinars, videos, blogs and awareness material are provided solely for educational and informational purposes — never as investment, financial, tax or legal advice, research recommendations, or a solicitation to buy/sell securities. 04### Demat Account & Investment Guidelines Our website offers guidance for opening Demat accounts and general stock market investing. We specialise in building long-term portfolios and do not offer real-time trading tips or speculative calls. - **Focus Area:** Stock investments only — no F&O trading recommendations. - **Investment Horizon:** Our recommended strategy is long-term, generally 3 to 5 years. - **Mutual Fund Investments:** Provided under ARN-301757. 05### Smallcase Portfolios We design curated Smallcase portfolios tailored for long-term wealth creation. These portfolios are built using personal research and are **not certified by SEBI or any regulatory body**. Past construction or back-tested performance is not indicative of future results. 06### Multibagger Research Service Our flagship offering includes identifying potential Multibagger stocks with a minimum investment horizon of **3 to 5 years**. These recommendations are strictly educational, based on internal analysis, and carry no guarantee of performance. 07### Investment Risk Disclosure Market Risk #### Mutual Funds - Mutual Fund investments are subject to market risks. - Past performance does not guarantee future returns. - NAV may rise or fall depending on market conditions. - Read Scheme Information Documents (SID), KIM and related documents before investing. #### Stocks & Smallcase Any stock-related information, educational content, Smallcase references, market commentary, or investment ideas are provided solely for educational purposes. Users must conduct independent research before investing. 08### No Investment Advice The information available on Sanchay Karo is educational in nature and does **not** constitute: - Investment advice - Tax advice - Legal advice - Personalized financial planning Any investment decision remains solely the responsibility of the investor. 09### Client Suitability & Risk Assessment Investors are solely responsible for determining investment suitability, risk appetite, financial goals, tax implications and product appropriateness. Sanchay Karo shall not be liable for losses resulting from investment decisions made by users. 10### Mutual Fund Transactions By investing through Sanchay Karo, you authorise us and our platform partners to process transactions, facilitate KYC verification, execute SIP registrations, and process purchases, redemptions, STP, SWP and switches, along with related transaction-update communications. Investors must ensure that all information submitted is accurate and complete. 11### NPS Services Sanchay Karo may facilitate National Pension System (NPS) registration and servicing through authorised partners. Users acknowledge that NPS is regulated by PFRDA, PRAN generation is subject to successful verification, and Sanchay Karo is not responsible for delays caused by NPS intermediaries. 12### Demat Account Services Demat and Trading Accounts are opened through authorised broker partners. Approval is subject to KYC verification, regulatory checks and broker eligibility criteria. Sanchay Karo does not guarantee account approval. 13### Loan Referral Services Sanchay Karo acts solely as a referral partner. We do not approve, disburse, determine eligibility for, or influence credit decisions on loans. Approval remains entirely at the discretion of the respective bank or NBFC. 14### Credit Card Referral Services Sanchay Karo may earn referral commissions from partner banks and issuers. Card approval is solely at the issuer's discretion, eligibility criteria vary by issuer, and approval is never guaranteed. 15### Commissions & Compensation Disclosure Sanchay Karo may receive upfront commissions, trail commissions, referral fees, incentives and marketing support from Mutual Fund AMCs, NPS service providers, Banks, NBFCs, Insurance Companies and Affiliate Partners. Such compensation generally does not increase the cost payable by customers unless specifically disclosed by the product provider. 16### Advertisements & Affiliate Links This website may contain Google AdSense ads and affiliate/referral links. Clicking these links may earn us a small commission at no extra cost to you. We ensure these links do not affect the neutrality of our content. By using our website, you agree to these terms and acknowledge that all investment decisions should be made at your own discretion and risk. 17### Data Collection & Privacy We do not collect or store any personal user data without consent. Some referral links or advertisements, such as Google AdSense, may collect anonymised data in accordance with their own privacy policies. Users are advised to read third-party privacy policies before engaging with external links. 18### User Responsibilities Users agree to provide accurate information, submit valid KYC documents, maintain confidentiality of login credentials, comply with applicable laws, and not misuse the website or services. Providing false information may result in termination of services. 19### Electronic Communication Consent By using our services, you consent to receive communications via Email, WhatsApp, SMS, Phone Calls, RCS Messages and Push Notifications, including transaction alerts, SIP reminders, investment updates, product offers and educational content. You may opt out of promotional communications at any time. 20### Intellectual Property All content on Sanchay Karo — logos, branding, website design, graphics, articles, educational materials and software components — is the intellectual property of Sanchay Karo and protected under applicable copyright and trademark laws. Unauthorised reproduction is prohibited. 21### Limitation of Liability To the maximum extent permitted by law, Sanchay Karo, its proprietor, employees, agents, affiliates and partners shall not be liable for investment losses, market fluctuations, loss of profits, data interruptions, delays by third-party service providers, regulatory actions affecting products, or technical failures beyond our control. Users agree to use our services at their own risk. 22### Indemnification Users agree to indemnify and hold harmless Sanchay Karo, its proprietor, employees and partners against any claims, damages, liabilities, losses, costs or expenses arising from violation of these Terms, submission of false information, misuse of services, or breach of applicable laws. 23### Anti-Money Laundering (AML) Compliance Sanchay Karo reserves the right to verify identity documents, request additional information, reject applications, or suspend services where required under AML, KYC, FATCA, CRS, PMLA or other regulatory requirements. 24### International Users Services may be accessible from India, United States, United Kingdom, Singapore, UAE, Canada and Australia. Certain products may not be available in all jurisdictions. Users are responsible for compliance with local laws. 25### Force Majeure Sanchay Karo shall not be liable for failure to perform obligations due to events beyond reasonable control, including natural disasters, government actions, internet outages, cyber incidents, pandemic events, or regulatory restrictions. 26### Branch & Contact Information **Registered Address**Bhagwanpur, Gurgram, Purba Medinipur, West Bengal, India **Branch Office**Jamnagar, Gujarat, India **Email** 27### Grievance Redressal For complaints, concerns, or grievances, reach our Grievance Officer: **Grievance Officer**Pallab Routh (ARN-301757 | EUIN-E572917) **Email** **Mobile**[+91 7278480128](tel:+917278480128) **Customer Support**[+91 7016971045](tel:+917016971045) We aim to acknowledge complaints within 7 working days and resolve them within 30 working days. 28### Governing Law & Jurisdiction These Terms shall be governed by and interpreted in accordance with the laws of India. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the competent courts in Gujarat, India. 29### Changes to Terms Sanchay Karo reserves the right to modify these Terms & Conditions at any time. Updated versions will be posted on the website with a revised Effective Date. Continued use of the website constitutes acceptance of the revised Terms. 30### Mandatory AMFI Disclosure **Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing.** ARN Holder**Pallab Routh** ARN**301757** EUIN**E572917** MSME Reg. No.**UDYAM-WB-12-0123391**Sanchay Karo acts as an AMFI Registered Mutual Fund Distributor and does not provide assured returns, guaranteed profits, or investment advice. ### Acceptance of Terms By accessing, browsing, registering, investing, or using any service offered by Sanchay Karo, you confirm that you have read, understood, and agreed to these Terms & Conditions in their entirety.