Terms & Conditions

Welcome to Track My Funds, accessible at www.trackmyfunds.in. These Terms and Conditions (the "Terms") constitute a legally binding agreement between you (whether individually or on behalf of an entity, referred to as "User", "Investor", or "You") and Fintastic Fincorp (operating under the trade name "Track My Funds", "We", "Us", or "Our").

By visiting our website, filling out an inquiry form, using our financial calculators, accessing client portals, or transacting in mutual fund schemes distributed through us, you acknowledge that you have read, understood, and agreed to be bound by these Terms.

Fintastic Fincorp is an AMFI Registered Mutual Fund Distributor (ARN-309245) and an APMI Registered Portfolio Management Service (PMS) Distributor (APRN-06118).

• Distribution Intermediary: Track My Funds acts as an intermediary / distributor facilitating investments in third-party products including Mutual Funds, Portfolio Management Services (PMS), Alternate Investment Funds (AIF), Fixed Deposits, and related financial products managed by independent Asset Management Companies (AMCs) and financial institutions.
• Not Fee-Only Advisory: We do not operate as an independent fee-only advisory firm. We strictly adhere to the AMFI Code of Conduct for Mutual Fund Distributors and all regulatory standards governing mutual fund distribution.
• No Guarantee of Capital: We do not offer, promise, or assure any guaranteed returns, fixed capital preservation, or risk-free financial schemes. All investments are governed by the respective product offering documents.

Investors are expressly advised of the following market risk parameters:

• Past Performance: Past performance of any mutual fund scheme, benchmark index, or asset class is not indicative of and does not guarantee future results.
• Asset Valuation Fluctuation: The Net Asset Value (NAV) of mutual fund units may fluctuate upwards or downwards depending upon interest rate changes, macro-economic factors, currency movements, geopolitical events, and overall market volatility.
• Independent Assessment: Users must evaluate the suitability of schemes with reference to their individual risk profile, investment objectives, and time horizon prior to executing any financial transaction.

Track My Funds provides interactive mathematical calculators (including SIP, SWP, PPF, NPS, Lumpsum, and Goal Plan Calculators) strictly for illustrative, educational, and financial literacy purposes:

• Calculators generate hypothetical numerical projections based solely on mathematical formulae and assumptions entered by the User (such as expected rate of return and investment duration).
• Calculations do not account for future tax changes, inflation shifts, fund manager expense ratios, market drawdowns, or regulatory adjustments.
• Calculators do not constitute personalized investment advice, a solicitation to buy, or a guarantee of actual future returns.

When using our services and interacting with our advisory team, you agree to:

• Accuracy of Information: Provide genuine, accurate, and current KYC, identity, banking, and contact information. You are solely responsible for discrepancies resulting from inaccurate information provided by you.
• Credential Confidentiality: Maintain the confidentiality of your login passwords, OTPs, and portfolio access tokens (including TickerWealth credentials). Track My Funds will never ask you to reveal your OTP, bank net-banking passwords, or UPI PINs.
• Lawful Use: Not utilize our website or services for any fraudulent, unlawful, or money-laundering activities as defined under the Prevention of Money Laundering Act (PMLA), 2002.

Investor safety is paramount. All financial transactions facilitated through Track My Funds adhere to institutional custody standards:

Unit allocation, redemptions, and dividend payouts are strictly executed by the respective AMC based on applicable Net Asset Value (NAV) cut-off timings as defined by regulatory standards.

In adherence to regulatory transparency and AMFI guidelines:

• Fintastic Fincorp receives distribution commissions / trail brokerage directly from Asset Management Companies for the mutual fund schemes distributed through ARN-309245.
• Commission rates vary depending on the asset class (Equity, Debt, Hybrid, Liquid) and scheme categorization.
• Details of commission structures for any specific mutual fund scheme are available to clients upon written request, in strict compliance with AMFI disclosure guidelines.

All software, designs, layouts, logos, trademarks, website text, graphics, and interactive tools appearing on Track My Funds are the exclusive proprietary property of Fintastic Fincorp or licensed to us. You are granted a limited, personal, non-transferable license to access our platform solely for your personal financial management. Any unauthorized reproduction, scraping, reverse engineering, or commercial exploitation is strictly prohibited.

To the maximum extent permitted by applicable Indian law:

• Track My Funds, its partners, and employees shall not be liable for any direct, indirect, punitive, incidental, or consequential damages resulting from market volatility, investment decisions, or capital deprecation.
• We shall not be liable for technical transmission failures, banking network downtimes, payment gateway delays, or third-party AMC/RTA system interruptions beyond our reasonable operational control.
• Our aggregate liability for any operational breach arising out of these Terms shall be limited to the fees or commissions received by us with respect to the specific transaction in dispute.

Track My Funds reserves the right to modify, amend, or replace these Terms at any time to reflect legislative updates, statutory guidelines, or technical enhancements. Updated versions will be published on this page with an updated revision date. Your continued access to the website following the posting of changes constitutes acceptance of the amended Terms.

These Terms shall be governed by, interpreted, and construed in accordance with the substantive laws of the Republic of India. In the event of any dispute, difference, or claim arising out of or in connection with these Terms, the parties shall first attempt to resolve the dispute amicably.

Failing amicable resolution within 30 days, any legal action or proceeding shall be subject to the exclusive jurisdiction of the competent courts situated in Ghaziabad / Gautam Buddha Nagar / New Delhi, India.

For any clarifications regarding these Terms, compliance matters, or investor inquiries: