Legal Disclaimer

Last updated: June 27, 2025

Qonfido (“Qonfido”, “we”, “our” or “us”) is a trademark of XLFI Ventures Private Limited, which is registered with the Association of Mutual Funds in India (AMFI) as a Mutual Fund Distributor under ARN-329102. By accessing or using any part of our website, mobile application, or related services (the "Platform"), you acknowledge and agree to the following disclaimer

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1. Nature of Services

Qonfido acts as a Mutual Fund Distributor under AMFI guidelines. Any information, tools, or services provided through the Platform shall not be construed as investment advice under the SEBI (Investment Advisers) Regulations, 2013.

All mutual fund investment options presented are based on publicly available information, and/or the data and research provided by third-party partners and AMCs.

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2. No Advisory Relationship

The use of our services does not establish an advisory agreement between Qonfido and you.

We encourage users to:

• Independently assess the suitability of any mutual fund product
• Read all scheme-related documents carefully before investing

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3. Market Risk Disclosure

All mutual fund investments are subject to market risks, including the possible loss of principal. Past performance of any scheme is not indicative of future performance. The value of investments may fluctuate based on a wide range of factors including market volatility, interest rates, economic and political developments, and sector-specific changes.

Qonfido shall not be responsible or liable for any loss or damage arising directly or indirectly from any investment decision based on the information available on our Platform.

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4. Data Accuracy and External Sources

Information shown on the Platform (e.g., fund NAVs, performance data, rankings) may be sourced from third parties such as AMCs, AMFI, RTAs, or data providers. While we strive to ensure accuracy and timeliness, Qonfido does not guarantee the completeness or correctness of such data and disclaims all liability for errors or omissions.

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5. No Guarantee or Warranty

Qonfido makes no representation or warranty, express or implied, about:

• The returns or suitability of any mutual fund investment
• The reliability of any projections or forward-looking statements
• Uninterrupted access to the Platform or error-free service

Use of our Platform is at your own risk and discretion.

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6. Regulatory Disclosures

Qonfido is a registered distributor and earns distribution commissions from mutual fund AMCs, as disclosed transparently in accordance with SEBI Circulars. The commission structures may vary across schemes and AMCs. Users are encouraged to review our Commission Disclosure Statement before investing.

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7. Limitation of Liability

To the maximum extent permitted under applicable law, Qonfido shall not be liable for any direct, indirect, incidental, special, punitive, or consequential damages arising out of:

• Your use of, or inability to use, the Platform
• Any decision made or action taken based on content or tools available
• Unauthorized access or alteration of user data

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8. Jurisdiction

This disclaimer and all use of the Platform shall be governed by the laws of India. Any disputes arising shall be subject to the exclusive jurisdiction of the courts of Bengaluru, India.

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9. Contact

For any questions, complaints, or legal queries related to this disclaimer, you may contact:

Compliance Officer
Email: legal@qonfido.com
ARN: 329102

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Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully.