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Terms and Conditions

Purchase Transaction - Terms & Conditions

I, the investor, hereby confirm having read and understood the contents of the Scheme Information Document (SID)/ Key Information Memorandum (KIM) & Statement of Additional Information (SAI), Addendum of the Scheme(s), Privacy Policy and Terms of Use issued from time to time and available on the website of ICICI Prudential Mutual Fund (www.icicipruamc.com) and agree to abide bysha the terms, conditions, rules and regulations of the Scheme(s) as on the date of the respective transaction. It is deemed that the investor has agreed to all the terms and conditions of the scheme(s), as prevailing on the date of the registration for this Facility and on the date of the transaction,Privacy Policy and Terms of Use issued from time to time and available on the website of ICICI Prudential Mutual Fund (www.icicipruamc.com) and agree to abide by the terms, conditions, rules and regulations of the Scheme(s) as on the date of the respective transaction. It is deemed that the investor has agreed to all the terms and conditions of the scheme(s), as prevailing on the date of the registration for this Facility and on the date of the transaction.

• I/We apply for the units of the Fund and agree to abide by the terms, conditions, rules and regulations of the scheme and other statutory requirements of SEBI, AMFI, Prevention of Money Laundering Act, 2002 and such other regulations as may be applicable from time to time.

• I/We confirm to have understood the investment objectives, investment pattern, and risk factors applicable to Plans/Options under the Scheme(s).

• I/We have not received nor been induced by any rebate or gifts, directly or indirectly, in making this investment.

• I/We declare that the amount invested in the Scheme is through legitimate sources only and is not designed for the purpose of contravention or evasion of any Act, Regulations or any other applicable laws enacted by the Government of India or any Statutory Authority.

• I/We agree that in case my/our investment in the Scheme is equal to or more than 25% of the corpus of the plan, then ICICI Prudential Asset Management Co. Ltd. (“AMC”), has full right to refund the excess to me/us to bring my/our investment below 25%.

• I/We hereby declare that I/we do not have any existing Micro SIPs which together with the current application will result in a total investments exceeding Rs. 50,000 in a year.

• The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to me/us.*

• I/We hereby confirm that, I/We have read and understood the SEBI Circulars on uniform cut-off timings for applicability of NAV. I/We will not hold AMC, liable for any delay in crediting the scheme collection accounts by the AMC's service provider resulting in consequent pricing of units.

• I/We hereby confirm that I/we have not been offered/communicated any indicative portfolio and/or any indicative yield for this investment.

• In case there is any change in your KYC information please update the same by using the prescribed ‘KYC change request form’, available on our website www.icicipruamc.com under download section and submit the same at the point of service of any KYC Registration Agency.

• Transaction Charges: In accordance with the SEBI Circular No. IMD/DF/13/2011 dated August 22, 2011, the Fund shall deduct a Transaction Charge on purchase/subscription of Rs.10,000/- and above, wherein such purchase/ subscription is through distributors/agents who have "opted in" to receive the transaction charge. Units will be issued against the balance amount invested.

Transaction charge may be charged in the following manner:

i. The existing investors may be charged Rs.100/- as transaction charge per subscription of Rs.10,000/- and above;

ii. A first time investor may be charged Rs.150/- as transaction charge per subscription ofRs.10,000/- and above.

There shall be no transaction charge on subscription below Rs. 10,000/- and on transactions other than purchases/ subscriptions relating to new inflows. In case of investment through Systematic Investment Plan (SIP), transaction charges shall be deducted only if the total commitment through SIP amounts to Rs. 10,000/- and above. The transaction charges in such cases shall be deducted in 4 equal installments. Investors may note that distributors can opt to receive transaction charges based on ‘type of the Scheme’. Accordingly, the transaction charges would be deducted from the subscription amounts, as applicable. The aforesaid transaction charge shall be deducted by the AMC from the subscription amount and paid to the distributor, as the case may be and the balance amount shall be invested in the relevant scheme opted by the investor.

However, upfront commission to distributors will be paid by the investor directly to the distributor, based on his assessment of various factors including the service rendered by such distributor.

Transaction Charges shall not be deducted if:

• Purchase/Subscription made directly with the fund through any mode (i.e. not through any distributor/agent).

• Purchase/ subscription made through stock Exchange, irrespective of investment amount. CAS/ Statement of account shall state the net investment (i.e. gross subscription less transaction charge) and the number of units allotted against the net investment.

• Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various factors including the service rendered by the distributor.

• In line with regulation under Prevention of Money Laundering Act 2002 (PMLA) and other applicable guidelines, I/We here by confirm that the funds for this purchase are being debited from my/our own account.

• I/We hereby confirm that I/We am/are not persons resident in the United States of America (USA), or corporations, or partnerships or any other entity created or organised in or under the laws of USA or any person/entity falling within the definition of the term 'US Person' under the US Securities Act of 1933, (as amended) and persons of Canada. I/We hereby confirm that I/We are not giving a false confirmation and/or disguising my/our country of residence.

• I/We confirm that AMC is relying upon this confirmation and in no event shall members of the ICICI Group and/or their directors, officers and employees be liable for any direct, indirect, special, incidental or consequential damages arising out of false confirmation/information. If this confirmation is found to be false/incorrect/erroneous, AMC has a right to reject the transactions. Kindly note that, with effect from 1st August 2009 as per SEBI circular no. SEBI/IMD/CER No.4/168230/09, Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors assessment of various factors including the service rendered by the distributor.

• E-KYC (OTP Registered) investors' investment I/We confirm that payment towards fresh or additional purchase is made through electronic fund transfer from my/our bank account registered with the Fund.

We will on a best effort basis ensure that Personal Information is shared to any of the third parties, including mentioned above, on need to know basis

• Collection of Personal Information:

We collect and process your sensitive personal data or information as defined in clause 3 of the Information and technology (Reasonable Security Practices and Procedures and Sensitive Personal Data and Information) Rules 2011, provided by you through application forms, our website, face-to-face or any electronic mode, in order to provide our service or service related information to you. For utilizing the services provided by us through the Online Platform, the provider shall be treated as expressly giving their consent for the processing, retention and utilization of the Personal Information in accordance with the Privacy Policy hosted on the website and the terms hereof.

• Sharing of Personal Information with Third Parties:

We keep all the Personal Information confidential. However, in order to provide you service(s), the provider shall be treated as expressly giving their consent for sharing any information with our

(i) any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law;

(ii) any third party, for administrative, servicing, monitoring and storage of your data. To provide you service(s), your Personal Information will be processed internally and externally by third Parties. We outsource some services to third parties whom we consider capable of performing the required processing activities so that there is no reduction in the service standard provided to you by us.

The Personal Information so collected shall be communicated to third parties only for the reasons consistent with the purposes for which such Personal Information was originally collected or such purposes as authorized by law.

To the extent required or permitted under law, we may share your Personal Information for the uses mentioned herein;

(i) Any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law

(ii) Registrar and transfer agent (s), call centers, Banks, custodians, depositories and/or authorized external third parties who are involved in transaction processing, dispatches, etc., of investors’ investment with Us and/or who are vendors/ service providers/ distributors to who are remunerated for the services rendered;

(iii) Financial Advisors or sub-brokers or intermediaries through whom applications are received and whose details are provided on the application form/ transaction slip(s) or any other service request;

(iv) Any other organization for verifying the identity of investors for complying with anti-money laundering requirements;

(v) Certain Personal Information may be shared with post office, local & international courier service providers and other intermediaries for correspondence with the Provider of Information and for making payments to the Provider by cheques, drafts, warrants, through electronic clearing services, NEFT etc.

SIP Transaction - Terms & Conditions

I/We have read, understood and hereby agree to abide by the Scheme Information Document(s) (SID), Key Information Memorandum(s) (KIM) & Statement of Additional Information(s) (SAI), Addendum of the Scheme(s), Foreign Account Tax Compliance Act (FATCA) and Common reporting Standards (CRS) under FATCA & CRS provisions of the Central Board of Direct Taxes notified Rules 114F to 114H, as part of the Income Tax Rules, 1962, Privacy Policy and Terms of Use issued from time to time and available on the website of ICICI Prudential Mutual Fund (www.icicipruamc.com) and agree to abide by the terms, conditions, rules and regulations of the Scheme(s) as on the date of the respective transaction. It is deemed that the investor has agreed to all the terms and conditions of the scheme(s), as prevailing on the date of the registration for this Facility and on the date of the transaction.

• I/We apply for the units of the Fund and agree to abide by the terms, conditions, rules and regulations of the scheme and other statutory requirements of SEBI, AMFI, Prevention of Money Laundering Act, 2002 and such other regulations as may be applicable from time to time.

• I/We confirm to have understood the investment objectives, investment pattern, and risk factors applicable to Plans/Options under the Scheme(s).

• I/We have not received nor been induced by any rebate or gifts, directly or indirectly, in making this investment.

• I/We declare that the amount invested in the Scheme is through legitimate sources only and is not designed for the purpose of contravention or evasion of any Act, Regulations or any other applicable laws enacted by the Government of India or any Statutory Authority.

• I/We agree that in case my/our investment in the Scheme is equal to or more than 25% of the corpus of the plan, then ICICI Prudential Asset Management Co. Ltd. (“AMC”), has full right to refund the excess to me/us to bring my/our investment below 25%.

• I/We hereby declare that I/we do not have any existing Micro SIPs which together with the current application will result in a total investments exceeding Rs. 50,000 in a year.

• The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to me/us.*

• I/We hereby confirm that, I/We have read and understood the SEBI Circulars on uniform cut-off timings for applicability of NAV. I/We will not hold AMC, liable for any delay in crediting the scheme collection accounts by the AMC's service provider resulting in consequent pricing of units.

• I/We hereby confirm that I/we have not been offered/communicated any indicative portfolio and/or any indicative yield for this investment.

• In case there is any change in your KYC information please update the same by using the prescribed ‘KYC change request form’, available on our website www.icicipruamc.com under download section and submit the same at the point of service of any KYC Registration Agency.

• Transaction Charges: In accordance with the SEBI Circular No. IMD/DF/13/2011 dated August 22, 2011, the Fund shall deduct a Transaction Charge on purchase/subscription of Rs.10,000/- and above, wherein such purchase/ subscription is through distributors/agents who have "opted in" to receive the transaction charge. Units will be issued against the balance amount invested.

Transaction charge may be charged in the following manner:

i. The existing investors may be charged Rs.100/- as transaction charge per subscription of Rs.10,000/- and above;

ii. A first time investor may be charged Rs.150/- as transaction charge per subscription ofRs.10,000/- and above.

There shall be no transaction charge on subscription below Rs. 10,000/- and on transactions other than purchases/ subscriptions relating to new inflows. In case of investment through Systematic Investment Plan (SIP), transaction charges shall be deducted only if the total commitment through SIP amounts to Rs. 10,000/- and above. The transaction charges in such cases shall be deducted in 4 equal installments. Investors may note that distributors can opt to receive transaction charges based on ‘type of the Scheme’. Accordingly, the transaction charges would be deducted from the subscription amounts, as applicable. The aforesaid transaction charge shall be deducted by the AMC from the subscription amount and paid to the distributor, as the case may be and the balance amount shall be invested in the relevant scheme opted by the investor. However, upfront commission to distributors will be paid by the investor directly to the distributor, based on his assessment of various factors including the service rendered by such distributor. Transaction Charges shall not be deducted if:

• Purchase/Subscription made directly with the fund through any mode (i.e. not through any distributor/agent).

• Purchase/ subscription made through stock Exchange, irrespective of investment amount. CAS/ Statement of account shall state the net investment (i.e. gross subscription less transaction charge) and the number of units allotted against the net investment.

• Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various factors including the service rendered by the distributor.

• In line with regulation under Prevention of Money Laundering Act 2002 (PMLA) and other applicable guidelines, I/We here by confirm that the funds for this purchase are being debited from my/our own account.

• I/We hereby confirm that I/We am/are not persons resident in the United States of America (USA), or corporations, or partnerships or any other entity created or organised in or under the laws of USA or any person/entity falling within the definition of the term 'US Person' under the US Securities Act of 1933, (as amended) and persons of Canada. I/We hereby confirm that I/We are not giving a false confirmation and/or disguising my/our country of residence.

• I/We confirm that AMC is relying upon this confirmation and in no event shall members of the ICICI Group and/or their directors, officers and employees be liable for any direct, indirect, special, incidental or consequential damages arising out of false confirmation/information. If this confirmation is found to be false/incorrect/erroneous, AMC has a right to reject the transactions. Kindly note that, with effect from 1st August 2009 as per SEBI circular no. SEBI/IMD/CER No.4/168230/09, Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors assessment of various factors including the service rendered by the distributor.

• Collection of Personal Information:

We collect and process your sensitive personal data or information as defined in clause 3 of the Information and technology (Reasonable Security Practices and Procedures and Sensitive Personal Data and Information) Rules 2011, provided by you through application forms, our website, face-to-face or any electronic mode, in order to provide our service or service related information to you. For utilizing the services provided by us through the Online Platform, the provider shall be treated as expressly giving their consent for the processing, retention and utilization of the Personal Information in accordance with the Privacy Policy hosted on the website and the terms hereof.

• Sharing of Personal Information with Third Parties:

We keep all the Personal Information confidential. However, in order to provide you service(s), the provider shall be treated as expressly giving their consent for sharing any information with our

(i) any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law;

(ii) any third party, for administrative, servicing, monitoring and storage of your data. To provide you service(s), your Personal Information will be processed internally and externally by third Parties. We outsource some services to third parties whom we consider capable of performing the required processing activities so that there is no reduction in the service standard provided to you by us.

The Personal Information so collected shall be communicated to third parties only for the reasons consistent with the purposes for which such Personal Information was originally collected or such purposes as authorized by law.

To the extent required or permitted under law, we may share your Personal Information for the uses mentioned herein;

(i) Any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law

(ii) Registrar and transfer agent (s), call centers, Banks, custodians, depositories and/or authorized external third parties who are involved in transaction processing, dispatches, etc., of investors’ investment with Us and/or who are vendors/ service providers/ distributors to who are remunerated for the services rendered;

(iii) Financial Advisors or sub-brokers or intermediaries through whom applications are received and whose details are provided on the application form/ transaction slip(s) or any other service request;

(iv) Any other organization for verifying the identity of investors for complying with anti-money laundering requirements;

(v) Certain Personal Information may be shared with post office, local & international courier service providers and other intermediaries for correspondence with the Provider of Information and for making payments to the Provider by cheques, drafts, warrants, through electronic clearing services, NEFT etc.

Medical Advantage Feature (MAF) - Terms & Conditions

I/We have agreed to avail the Medical Advantage Feature (the Facility) offered by ICICI Prudential Mutual Fund (the Fund)/ICICI Prudential Asset Management Company Limited (the AMC) to utilize the investment in the designated scheme(s) of the Fund which shall enable me/ us for meeting my/our health care expenses or of suchpersons designated by me/us (the Designated Persons). In this regard, I/We have read and understood below terms and conditions and agree to abide by the same at all points of time:

1. The benefits of the Facility are provided through a Service Provider, currently being Vidal Healthcare Services Private Limited (Service Provider).

2. Under this Facility the investment in the designated scheme(s) of the Fund shall be available for meeting my/our/Designated Persons’ health care expenses at the hospitals and diagnostic centres empanelled by the Service Provider. As and when the need arises, the Service Provider shall submit the redemption request on my/our behalf to the Fund for meeting the health care expenses and the Fund shall process such redemption request and credit the redemption proceeds to the designated account of the Service Provider.

3.The Facility is available only under the designated scheme(s) of the Fund. AMC reserves the right to designate the scheme(s) as eligible under the Facility from time to time without prior intimation. List of such designated schemes shall be available on the website of the Fund.

4. A separate Folio may be opened for investment under the Facility or an existing folio can be mapped under the Facility once the Terms and Conditions of the Facility are accepted by me/us (hereinafter referred to as “MAF Folio”). The Fund/AMC reserves the right to reject the purchase/additional purchase in the schemes other than designated scheme(s) or to consider such investment in MAF Folio or to process such transaction without MAF mapping. In case of individual investor, the mode of holding shall be ‘single’ or ‘Anyone or survivor’.

5. It shall be sole responsibility of the investor to produce necessary proofs/documentation as may be required by the Service Provider to avail the Facility for self/Designated Persons.

6. I/We agree and understand that I/We shall be solely responsible to co-ordinate with the Service Provider for enrolment of Designated Persons for this Facility or for any changes in the list of such Designated Persons. AMC/Fund shall not be held liable for any disputes in this regard.

7. The card under the Facility shall be issued by the Service Provider either in physical or electronic form on the registered contact details as per MAF folio. In case of unavailability of / incomplete contact details/non receipt of card, I/we shall co-ordinate directly with Service Provider for updation of details.

8. I/We agree and understand that in case of the Facility being used for the Designated Persons, Redemption Request Formunder the Facility shall be signed only by me/the Authorised Signatories of the MAF Folio.

9. Under the Facility, I/We hereby authorise Service Provider to submit the Redemption Request Form on my/our behalf to Fund/AMC/ Registrar and Transfer Agent of the Fund (R&T). I/We also authorise the Service Provider to submit the instructions to the Fund/ AMC/R&T to block/freeze the units in the Folio to be utilised towards the Facility. I/We understand that the Service Provider shall provide transaction feeds of such redemption request to the AMC/Fund and the AMC/Fund shall rely and act upon such transaction feeds/request.

10. I/We agree and understand that in case of blocked/freezed units, redemption request(s) by me/us shall not be processed and can be rejected by the AMC. I/We hereby authorise the Service Provider to submit unfreeze/unblocking request for processing the redemption under the Facility.

11. For the purpose of processing redemption under this Facility, only specific redemption request form in the prescribed format shall be used.

12. In case of my/our inability on account of medical reasons to specify the scheme for redemptionand / or to sign the redemption request form under the Facilityfor any reason, I/We hereby authorise the Service Provider to submit the redemption request on my/our behalf and the AMC/Fund is authorised to process such redemption request. In such case if the holding is in multiple designated schemes, I/we explicitly authorize the Service Provider to submit redemption request on my/our behalf in such order as mutually agreed between the AMC and the Service Provider. Such order matrix is subject to change from time to time and same shall be available on the website of the Fund and /or of the Service Provider.

13. The above process shall not be applicable in case of Sole Proprietor and HUF. AMC/Fund reserves the right to reject the redemption request raised by the Service Provider on behalf of Sole Proprietor / HUF under the Facility.

14. I/We also understand that Service Provider shall submit the redemption request on my/our behalf in such order of designated schemesas mutually agreed between the AMC and the Service Provider, if such request is specifically given by me/us while signing theredemption request form.

15. The AMC/Fund reserves the right to call for confirmation from the hospital authority about my/ our inability of to sign the redemption request and to carry out further checks to validate the authenticity of the transaction/application by seeking further information or reject the transaction.

16. I/We hereby explicitly authorise the AMC/the Fund to credit the redemption proceeds under the Facility to the designated bank account of the Service Provider.

17. I/We hereby explicitly authorise the Service Provider to access my/our/designated persons’ medical details from hospitals/diagnostic centres during utilisation of the Feature.

18. I/We hereby explicitly authorise the Service Provider to refund excess amount into my/our bank account in case, the actual hospitalisation expenses are less than the redemption request as submitted by the Service Provider and processed under the terms of this Facility. I/We agree and understand that Service Provider shall be solely responsible to refund such excess redemption amount to me/us and AMC/Fund/R&T shall not be liable for such refund.

19. The Service Provider/the Fund is authorised to call/sms/email me/us with regard to this Facility. Such call/sms made by the Service Provider/ the Fund shall override the Do not Disturb (DnD) registrations, if any, made earlier or anytime hereinafter by me/us.

20. I/We shall read the details of services offered by Service Provider as available on the website of ICICI Prudential Mutual Fund i.e. www.icicipruamc.com and/or on the website of the Service Provider currently www.health4sure.in/iprumf.

21. As part of this Facility, I/We authorise the Fund/ the AMC to share with the Service Provider the Folio related information including but not limited to contact details, demographic details, available balance in folio (units and valuation), scheme details.

22. In terms of this Facility, the AMC and/or the Fund is authorised to receive and execute instructions on my/our behalf to redeem such number of units held in my/our folio. Further, the AMC and/or the Fund is authorised to redeem the units in my/our Folio and pay the redemption amount to the designated bank account of the Service Provider.

23. The AMC acting in good faith, shall take necessary steps in connection with such redemption requests received from the Service Provider regardless of the value involved and the same shall be binding on me/us.

24. I/We understand that my/our investments in schemes other than designated scheme(s)will not be available for medical redemption, and medical redemption request in such schemes may be rejected by the AMC and/or R&T.

25. In case of any discrepancies between the transaction feeds submitted by Service Provider and Redemption Request, the AMC/Fund reserves the right to rely on the transaction feeds and process the redemption request based on the same.

26. The Service Provider shall be solely responsible for meeting the health care expenses on my/ our behalf out of the redemption proceeds. Further, the AMC shall not be held responsible in the event of any discrepancy / delay on the part of the Service Provider in making the payment to the hospital for the Facility availed by me/us.

27. This Facility will be provided subject to provisions of cut off timing for applicability of NAV and time stamping requirements, as amended by Securities and Exchange Board of India (SEBI) from time to time and any other applicable laws, rules and regulations as may be enforced from time to time.

28. All the transactions received in respect of my/our Folio shall be processed by the R&T in its normal course of business. In other words, in case the redemption request is received from both, me/us and the Service Provider, the R&T shall not prioritize either of the redemption request over the other.

29. In case of my/our demise, if the AMC receives the redemption request (where there are joint holders in the folio) OR transmission request from my/our legal heirs/joint holder(s)/nominees, prior to the Redemption Request Form from the Service Provider, the AMC shall process the request from the joint holders/legal heir/nominee, after considering any existing requests for blocking the additional units provided by the Service Provider. Balance, if any in the Folio of the Investor after processing redemption request of the Service Provider shall be available for Transmission/redemption request from other joint holders.

30. In case of my/our demise, the nominee(s)/legal heir(s) in the folio will not be eligible to avail this Facility.

31. Any redemption pay-out made to the Service Provider will be the valid discharge of the AMC’s obligation towards the investor.

32. Any dispute/complaint regarding the services offered by the Service Provider, its agents or representatives shall be addressed directly to the Service Provider and the AMC and/or the Fund shall not be held responsible for any dispute arising out of services rendered by the Service Provider. The AMC does not warrant, guarantee or ensure efficiency of any services provided by the Service Provider.

33. The Fund, its Trustees, the AMC, its directors, affiliates, promoters, employees, successors in interest and permitted assigns shall not be responsible or liable in any manner whatsoever for any acts or omission or negligence, misrepresentation, fraud or mistake, deficiency or inadequacy in the services rendered by Service Provider, its agents or representatives or for any actions, claims, demands, losses, damages, costs, charges and expenses that I/We may suffer on account of the services rendered by the Service Provider.

34. The Fund, its Trustees, the AMC, its directors, affiliates, promoters, employees, successors in interest and permitted assigns shall at all times be indemnified and held harmless by me/us from and against all actions, suits, proceedings, loss, damages, claims, charges, costs, which the AMC and/or the Fund may incur, sustain or suffer in consequence of or by reason of processing redemption request submitted by the Service Provider on my/our behalf.

35. The AMC reserves the right to change the terms and conditions of the Facility and/ or the Service Provider without assigning any reasons. I/We understand that, in case of termination of the agreement with the Service Provider, this Facility shall be terminated and the AMC and/or the Fund shall inform me/us about discontinuation of the Facility.

36. In case of non-availability of signatures in the Medical Advantage Feature Terms & Conditions, AMC reserves the right to reject to the application and initiate the refund within the appropriate time-line (not more than 5 business days).

37. Terms and conditions of the Facility shall be applicable to current and future investment in the designated scheme(s) in the MAF folio.

It shall be deemed that I/We have read, understood and accepted the terms and conditions of the Facility as may be amended from time to time.

I accept Terms & Conditions of Medical Advantage Feature on behalf of the other holders in the folio if any and I hereby undertake that all the holders have read and understood the same and shall abide by it at all times.

• Collection of Personal Information:

We collect and process your sensitive personal data or information as defined in clause 3 of the Information and technology (Reasonable Security Practices and Procedures and Sensitive Personal Data and Information) Rules 2011, provided by you through application forms, our website, face-to-face or any electronic mode, in order to provide our service or service related information to you. For utilizing the services provided by us through the Online Platform, the provider shall be treated as expressly giving their consent for the processing, retention and utilization of the Personal Information in accordance with the Privacy Policy hosted on the website and the terms hereof.

• Sharing of Personal Information with Third Parties:

We keep all the Personal Information confidential. However, in order to provide you service(s), the provider shall be treated as expressly giving their consent for sharing any information with our

(i) any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law;

(ii) any third party, for administrative, servicing, monitoring and storage of your data. To provide you service(s), your Personal Information will be processed internally and externally by third Parties. We outsource some services to third parties whom we consider capable of performing the required processing activities so that there is no reduction in the service standard provided to you by us.

The Personal Information so collected shall be communicated to third parties only for the reasons consistent with the purposes for which such Personal Information was originally collected or such purposes as authorized by law.

To the extent required or permitted under law, we may share your Personal Information for the uses mentioned herein;

(i) Any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law

(ii) Registrar and transfer agent (s), call centers, Banks, custodians, depositories and/or authorized external third parties who are involved in transaction processing, dispatches, etc., of investors’ investment with Us and/or who are vendors/ service providers/ distributors to who are remunerated for the services rendered;

(iii) Financial Advisors or sub-brokers or intermediaries through whom applications are received and whose details are provided on the application form/ transaction slip(s) or any other service request;

(iv) Any other organization for verifying the identity of investors for complying with anti-money laundering requirements;

(v) Certain Personal Information may be shared with post office, local & international courier service providers and other intermediaries for correspondence with the Provider of Information and for making payments to the Provider by cheques, drafts, warrants, through electronic clearing services, NEFT etc.

Redemption Transaction - Terms & Conditions

I/We have read, understood and hereby agree to abide by the Scheme Information Document(s) (SID), Key Information Memorandum(s) (KIM) & Statement of Additional Information(s) (SAI), Addendum of the Scheme(s), Foreign Account Tax Compliance Act (FATCA) and Common reporting Standards (CRS) under FATCA & CRS provisions of the Central Board of Direct Taxes notified Rules 114F to 114H, as part of the Income Tax Rules, 1962, Privacy Policy and Terms of Use issued from time to time and available on the website of ICICI Prudential Mutual Fund (www.icicipruamc.com) and agree to abide by the terms, conditions, rules and regulations of the Scheme(s) as on the date of the respective transaction. It is deemed that the investor has agreed to all the terms and conditions of the scheme(s), as prevailing on the date of the registration for this Facility and on the date of the transaction.

• I/We apply for the units of the Fund and agree to abide by the terms, conditions, rules and regulations of the scheme and other statutory requirements of SEBI, AMFI, Prevention of Money Laundering Act, 2002 and such other regulations as may be applicable from time to time.

• I/We confirm to have understood the investment objectives, investment pattern, and risk factors applicable to Plans/Options under the Scheme(s).

• I/We have not received nor been induced by any rebate or gifts, directly or indirectly, in making this investment.

• I/We declare that the amount invested in the Scheme is through legitimate sources only and is not designed for the purpose of contravention or evasion of any Act, Regulations or any other applicable laws enacted by the Government of India or any Statutory Authority.

• I/We agree that in case my/our investment in the Scheme is equal to or more than 25% of the corpus of the plan, then ICICI Prudential Asset Management Co. Ltd. (“AMC”), has full right to refund the excess to me/us to bring my/our investment below 25%.

• I/We hereby declare that I/we do not have any existing Micro SIPs which together with the current application will result in a total investments exceeding Rs. 50,000 in a year.

• The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to me/us.*

• I/We hereby confirm that, I/We have read and understood the SEBI Circulars on uniform cut-off timings for applicability of NAV. I/We will not hold AMC, liable for any delay in crediting the scheme collection accounts by the AMC's service provider resulting in consequent pricing of units.

• I/We hereby confirm that I/we have not been offered/communicated any indicative portfolio and/or any indicative yield for this investment.

• In case there is any change in your KYC information please update the same by using the prescribed ‘KYC change request form’, available on our website www.icicipruamc.com under download section and submit the same at the point of service of any KYC Registration Agency.

Processing of Redemption/Switch/Systematic transaction request(s) where the The Fund shall place the units allotted to investor on hold for Till the time the payment is realized towards the purchase transaction(s). The Fund also reserves the right to reject / partially process the redemption / switch /systematic transaction request, as the case may be, based on the realization status of the units held by the investor. Units which are not redeemed/switched will be processed upon confirmation of realization status and on submission of fresh redemption / switch request.

• Transaction Charges: In accordance with the SEBI Circular No. IMD/DF/13/2011 dated August 22, 2011, the Fund shall deduct a Transaction Charge on purchase/subscription of Rs.10,000/- and above, wherein such purchase/ subscription is through distributors/agents who have "opted in" to receive the transaction charge. Units will be issued against the balance amount invested.

Transaction charge may be charged in the following manner:

i. The existing investors may be charged Rs.100/- as transaction charge per subscription of Rs.10,000/- and above;

ii. A first time investor may be charged Rs.150/- as transaction charge per subscription ofRs.10,000/- and above.

There shall be no transaction charge on subscription below Rs. 10,000/- and on transactions other than purchases/ subscriptions relating to new inflows. In case of investment through Systematic Investment Plan (SIP), transaction charges shall be deducted only if the total commitment through SIP amounts to Rs. 10,000/- and above. The transaction charges in such cases shall be deducted in 4 equal installments. Investors may note that distributors can opt to receive transaction charges based on ‘type of the Scheme’. Accordingly, the transaction charges would be deducted from the subscription amounts, as applicable. The aforesaid transaction charge shall be deducted by the AMC from the subscription amount and paid to the distributor, as the case may be and the balance amount shall be invested in the relevant scheme opted by the investor.

However, upfront commission to distributors will be paid by the investor directly to the distributor, based on his assessment of various factors including the service rendered by such distributor. Transaction Charges shall not be deducted if:

• Purchase/Subscription made directly with the fund through any mode (i.e. not through any distributor/agent).

• Purchase/ subscription made through stock Exchange, irrespective of investment amount. CAS/ Statement of account shall state the net investment (i.e. gross subscription less transaction charge) and the number of units allotted against the net investment.

• Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various factors including the service rendered by the distributor.

• In line with regulation under Prevention of Money Laundering Act 2002 (PMLA) and other applicable guidelines, I/We here by confirm that the funds for this purchase are being debited from my/our own account.

• I/We hereby confirm that I/We am/are not persons resident in the United States of America (USA), or corporations, or partnerships or any other entity created or organised in or under the laws of USA or any person/entity falling within the definition of the term 'US Person' under the US Securities Act of 1933, (as amended) and persons of Canada. I/We hereby confirm that I/We are not giving a false confirmation and/or disguising my/our country of residence.

• I/We confirm that AMC is relying upon this confirmation and in no event shall members of the ICICI Group and/or their directors, officers and employees be liable for any direct, indirect, special, incidental or consequential damages arising out of false confirmation/information. If this confirmation is found to be false/incorrect/erroneous, AMC has a right to reject the transactions.

Terms and Conditions for Quick Withdrawal Facility

Quick Withdrawal Facility: This Facility would be available to the Unit Holder(s)/Investors for those schemes of ICICI Prudential Mutual Fund (“the Fund”) which have been designated by ICICI Prudential Asset Management Company Ltd. (the AMC) for this Facility. The Unit Holder(s)/Investors agree and understand that this Facility shall be governed by these Terms and Conditions as stated hereinafter, which shall be acting in addition to the terms, conditions, disclaimers as available on the website and as available in the various scheme documents including but not limited to the Scheme Information Document (SID)/Statement of Additional Information (SAI)/Key Information Memorandum (KIM)/Various addendums to the schemes/application forms etc.

1. The Quick Withdrawal Facility (the Facility) would be available for those schemes of ICICI Prudential Mutual Fund which have been designated by ICICI Prudential Asset Management Company Ltd. (the AMC) from time to time. Under the Facility, the Scheme(s) shall endeavor to initiate the payout of redemption proceeds into the registered bank account of the investor instantly from the time of receipt of Quick Withdrawal request using IMPS. The Facility shall be available on all days at all points of time.

2. The Facility could be availed by the Unitholder(s)/Investor(s) who have complied with the formalities specified by the AMC. Further, the relevant bank details of the unitholder(s)/investor(s) such as core banking account number along with IFSC code should be registered and available with the AMC or its Registrar & Transfer Agent (R&TA). Further, the unitholder(s)/investor(s) bank account should be Immediate Payment Service (IMPS) enabled.

3. The Facility will be in addition to the existing modes of redemption i.e., physical or online redemption requests through the official point of acceptance of transactions of ICICI Prudential Mutual Fund.

4. The Facility shall currently be available only for transactions through the electronic transaction platforms of ICICI Prudential Asset Management Co. Ltd. Nothing specified in these Terms and Conditions shall be considered as solicitation to buy or an offer to sell or recommendation for a security or any other product or service, to any person in any jurisdiction where such solicitation, offer, recommendation, purchase or sale would be unlawful under the laws of that jurisdiction. If any Unitholder(s)/Investor(s) chooses to access/use the Facility from locations outside India, the Unitholder(s)/Investor(s) does so at his/her own risk and shall be solely responsible for compliance with all applicable laws in force in such locations.

5. This Facility shall not be available for units held in demat mode.

6. SEBI guidelines on uniform cut off timings for redemption shall be applicable for transactions through the aforesaid Facility. Applicable NAV for the transactions will be dependent upon the time of receipt of the transaction as recorded on the AMC’s server.

7. The AMC reserve the right to discontinue/ modify/ alter/temporary suspension of the said facility without any prior notice or without assigning any reasons thereof on a prospective basis subject to compliance with the prevailing SEBI guidelines and regulations.

8. “Software” will mean and include such software/browsers as may be advised by the AMC from time to time for accessing electronic transaction platforms. The Unitholder(s)/Investor(s) agrees that he/she shall be responsible for upgrading the software, hardware and the operating system at his/her cost from time to time so as to be compatible with that of the AMC. The AMC shall be at liberty to change, vary or upgrade its software, hardware, operating systems etc. from time to time and shall be under no obligation to support the software, hardware, operating systems used by the investor and that the same shall be his/her sole responsibility. The AMC shall not be liable or responsible for any loss/damage that may be suffered by the investor while downloading any software for availing the Facility.

9. The Unit holder(s)/Investor(s) hereby confirms having read and understood the contents of the Scheme Information Document(s)/Key Information Memorandum(s) & Statement of Additional Information(s), Addenda of the Scheme(s) issued from time to time and available on the website of ICICI Prudential Mutual Fund and agree to abide by the terms, conditions, rules and regulations of the Scheme(s) as on the date of the respective transaction. It is deemed that the investor has agreed to all the terms and conditions of the scheme(s), as prevailing on the date of transacting through this Facility.

10. The technology for enabling the Facility could be affected by virus or other malicious, destructive or corrupting code, programme or macro or any other reasons not attributable to the AMC. This could result in delays in the processing of instructions or failure in processing of instructions and other such failures and inability. The AMC disclaims all or any liability, whether direct or indirect, arising out of any failure or inability of the AMC to honor any instruction for whatsoever reason.

11. The Fund, the AMC, its Registrar and Transfer Agents, and its Banks and other service providers shall not be liable for, nor be in default by reason of, any failure or delay in completion of its obligation under this Facility where such failure or delay is caused, in whole or in part, by any acts of God, civil war, civil commotion, riots, strike, mutiny, revolution, fire, flood, fog, war, lightening, earthquake, change of Government/Regulator’s policies, unavailability of telecommunication systems, unavailability of the bank's computer system, force majeure events, or any other cause of peril which is beyond their reasonable control and which has the effect of preventing the performance of contract by them.

12. The investor understands and agrees that, incase of a failure confirmation from the banker, AMC/RTA will initiate the payout for the said redemption transaction post transaction processing as per the payout mode registered in the folio on respective payout date for the transaction as if received in other than Quick Withdrawal facility.

13. The investor understands and agrees that, for any redemption transaction received in Quick Withdrawal facility, AMC will block 110% of the redemption value requested based on the latest NAV available and the same will be released only after the transaction processing is completed as per applicable NAV. In the interim no transaction processing will be allowed on the such blocked units.

14. The investor understands and agrees that, Balance available for Quick Withdrawal consists of such units in the folio for which the investor can place a redemption request at any point of time after considering units which are un-cleared for funds realization or reconciliation, or are under lien, or are in dematerialized mode and after considering any transaction/s pending for unit adjustments. Such Available Balance will be reduced by the amounts redeemed through this mode (as detailed in point 13) or any other mode which allows instant payout and transactions are pending for processing. The decision of the AMC in determining the Balance available for Quick Withdrawal shall be final.

15. The Unit Holder(s)/Investor(s) understand that this Facility is merely a transactional facility offered and that the AMC/RTA will not be liable for (a) acting in good faith on any instructions received from the unit holder (b) error, default, delay or inability of the AMC/RTA to act on all or any of the instruction.

16. The Unit Holder(s)/Investor(s) shall always abide by the aforesaid terms and conditions while availing the Facility and hereby undertake not to misuse the same and in the event of any damage, shall indemnify the AMC for any loss arising therefrom.

17. The Unit Holder(s)/Investor(s) hereby agree to bear the charges, if and when stipulated by the AMC from time to time for availing the Facility.

18. The Unit Holder(s)/Investor(s) hereby agree that the AMC may disclose in strict confidence to other institutions/third parties their personal information as may be reasonably necessary for reasons inclusive of but not limited to the following:

a. In compliance with legal/regulatory requirement

b. For fraud prevention purposes

c. Statutory reporting

d. For processing/giving effect to any electronic instructions or for such administrative or other purposes.

19. These Terms and Conditions for use of the Facility shall be governed by the laws of the Republic of India. The Unit Holder(s)/Investor(s) and the AMC agree to submit to the exclusive jurisdiction of the courts in Mumbai as regards any claims or matters arising under these Terms and Conditions. The AMC accepts no liability whatsoever, direct or indirect, for non-compliance with the laws if any country other than the Republic of India. The mere fact that the Facility can be accessed through Internet by an Investor in a country other than India shall not be interpreted to imply that the laws of the said country govern these Terms and Conditions and/or the use of the Facility.

• Collection of Personal Information:

We collect and process your sensitive personal data or information as defined in clause 3 of the Information and technology (Reasonable Security Practices and Procedures and Sensitive Personal Data and Information) Rules 2011, provided by you through application forms, our website, face-to-face or any electronic mode, in order to provide our service or service related information to you. For utilizing the services provided by us through the Online Platform, the provider shall be treated as expressly giving their consent for the processing, retention and utilization of the Personal Information in accordance with the Privacy Policy hosted on the website and the terms hereof.

• Sharing of Personal Information with Third Parties:

We keep all the Personal Information confidential. However, in order to provide you service(s), the provider shall be treated as expressly giving their consent for sharing any information with our

(i) any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law;

(ii) any third party, for administrative, servicing, monitoring and storage of your data. To provide you service(s), your Personal Information will be processed internally and externally by third Parties. We outsource some services to third parties whom we consider capable of performing the required processing activities so that there is no reduction in the service standard provided to you by us.

The Personal Information so collected shall be communicated to third parties only for the reasons consistent with the purposes for which such Personal Information was originally collected or such purposes as authorized by law.

To the extent required or permitted under law, we may share your Personal Information for the uses mentioned herein;

(i) Any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law

(ii) Registrar and transfer agent (s), call centers, Banks, custodians, depositories and/or authorized external third parties who are involved in transaction processing, dispatches, etc., of investors’ investment with Us and/or who are vendors/ service providers/ distributors to who are remunerated for the services rendered;

(iii) Financial Advisors or sub-brokers or intermediaries through whom applications are received and whose details are provided on the application form/ transaction slip(s) or any other service request;

(iv) Any other organization for verifying the identity of investors for complying with anti-money laundering requirements;

(v) Certain Personal Information may be shared with post office, local & international courier service providers and other intermediaries for correspondence with the Provider of Information and for making payments to the Provider by cheques, drafts, warrants, through electronic clearing services, NEFT etc.

Switch Transaction - Terms & Conditions

I/We have read, understood and hereby agree to abide by the Scheme Information Document(s) (SID), Key Information Memorandum(s) (KIM) & Statement of Additional Information(s) (SAI), Addendum of the Scheme(s), Foreign Account Tax Compliance Act (FATCA) and Common reporting Standards (CRS) under FATCA & CRS provisions of the Central Board of Direct Taxes notified Rules 114F to 114H, as part of the Income Tax Rules, 1962, Privacy Policy and Terms of Use issued from time to time and available on the website of ICICI Prudential Mutual Fund (www.icicipruamc.com) and agree to abide by the terms, conditions, rules and regulations of the Scheme(s) as on the date of the respective transaction. It is deemed that the investor has agreed to all the terms and conditions of the scheme(s), as prevailing on the date of the registration for this Facility and on the date of the transaction.

• I/We apply for the units of the Fund and agree to abide by the terms, conditions, rules and regulations of the scheme and other statutory requirements of SEBI, AMFI, Prevention of Money Laundering Act, 2002 and such other regulations as may be applicable from time to time.

• I/We confirm to have understood the investment objectives, investment pattern, and risk factors applicable to Plans/Options under the Scheme(s).

• I/We have not received nor been induced by any rebate or gifts, directly or indirectly, in making this investment.

• I/We declare that the amount invested in the Scheme is through legitimate sources only and is not designed for the purpose of contravention or evasion of any Act, Regulations or any other applicable laws enacted by the Government of India or any Statutory Authority.

• I/We agree that in case my/our investment in the Scheme is equal to or more than 25% of the corpus of the plan, then ICICI Prudential Asset Management Co. Ltd. (“AMC”), has full right to refund the excess to me/us to bring my/our investment below 25%.

• I/We hereby declare that I/we do not have any existing Micro SIPs which together with the current application will result in a total investments exceeding Rs. 50,000 in a year.

• The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to me/us.

• I/We hereby confirm that, I/We have read and understood the SEBI Circulars on uniform cut-off timings for applicability of NAV. I/We will not hold AMC, liable for any delay in crediting the scheme collection accounts by the AMC's service provider resulting in consequent pricing of units.

• I/We hereby confirm that I/we have not been offered/communicated any indicative and/or any indicative yield for this investment.

• In case there is any change in your KYC information please update the same by using the prescribed ‘KYC change request form’, available on our website www.icicipruamc.com under download section and submit the same at the point of service of any KYC Registration Agency.

• Transaction Charges: In accordance with the SEBI Circular No. IMD/DF/13/2011 dated August 22, 2011, the Fund shall deduct a Transaction Charge on purchase/subscription of Rs.10,000/- and above, wherein such purchase/ subscription is through distributors/agents who have "opted in" to receive the transaction charge. Units will be issued against the balance amount invested. Transaction charge may be charged in the following manner:

i. The existing investors may be charged Rs.100/- as transaction charge per subscription of Rs.10,000/- and above;

ii. A first time investor may be charged Rs.150/- as transaction charge per subscription of Rs.10,000/- and above.

There shall be no transaction charge on subscription below Rs. 10,000/- and on transactions other than purchases/ subscriptions relating to new inflows. In case of investment through Systematic Investment Plan (SIP), transaction charges shall be deducted only if the total commitment through SIP amounts to Rs. 10,000/- and above. The transaction charges in such cases shall be deducted in 4 equal installments.

Investors may note that distributors can opt to receive transaction charges based on ‘type of the Scheme’. Accordingly, the transaction charges would be deducted from the subscription amounts, as applicable.

The aforesaid transaction charge shall be deducted by the AMC from the subscription amount and paid to the distributor, as the case may be and the balance amount shall be invested in the relevant scheme opted by the investor. However, upfront commission to distributors will be paid by the investor directly to the distributor, based on his assessment of various factors including the service rendered by such distributor.

Transaction Charges shall not be deducted if:

• Purchase/Subscription made directly with the fund through any mode (i.e. not through any distributor/agent).

• Purchase/ subscription made through stock Exchange, irrespective of investment amount. CAS/ Statement of account shall state the net investment (i.e. gross subscription less transaction charge) and the number of units allotted against the net investment.

• Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various factors including the service rendered by the distributor.

• In line with regulation under Prevention of Money Laundering Act 2002 (PMLA) and other applicable guidelines, I/We here by confirm that the funds for this purchase are being debited from my/our own account.

• I/We hereby confirm that I/We am/are not persons resident in the United States of America (USA), or corporations, or partnerships or any other entity created or organised in or under the laws of USA or any person/entity falling within the definition of the term 'US Person' under the US Securities Act of 1933, (as amended) and persons of Canada. I/We hereby confirm that I/We are not giving a false confirmation and/or disguising my/our country of residence.

• I/We confirm that AMC is relying upon this confirmation and in no event shall members of the ICICI Group and/or their directors, officers and employees be liable for any direct, indirect, special, incidental or consequential damages arising out of false confirmation/information. If this confirmation is found to be false/incorrect/erroneous, AMC has a right to reject the transactions.

• Collection of Personal Information:

We collect and process your sensitive personal data or information as defined in clause 3 of the Information and technology (Reasonable Security Practices and Procedures and Sensitive Personal Data and Information) Rules 2011, provided by you through application forms, our website, face-to-face or any electronic mode, in order to provide our service or service related information to you. For utilizing the services provided by us through the Online Platform, the provider shall be treated as expressly giving their consent for the processing, retention and utilization of the Personal Information in accordance with the Privacy Policy hosted on the website and the terms hereof.

• Sharing of Personal Information with Third Parties:

We keep all the Personal Information confidential. However, in order to provide you service(s), the provider shall be treated as expressly giving their consent for sharing any information with our

(i) any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law;

(ii) any third party, for administrative, servicing, monitoring and storage of your data. To provide you service(s), your Personal Information will be processed internally and externally by third Parties. We outsource some services to third parties whom we consider capable of performing the required processing activities so that there is no reduction in the service standard provided to you by us.

The Personal Information so collected shall be communicated to third parties only for the reasons consistent with the purposes for which such Personal Information was originally collected or such purposes as authorized by law.

To the extent required or permitted under law, we may share your Personal Information for the uses mentioned herein;

(i) Any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law

(ii) Registrar and transfer agent (s), call centers, Banks, custodians, depositories and/or authorized external third parties who are involved in transaction processing, dispatches, etc., of investors’ investment with Us and/or who are vendors/ service providers/ distributors to who are remunerated for the services rendered;

(iii) Financial Advisors or sub-brokers or intermediaries through whom applications are received and whose details are provided on the application form/ transaction slip(s) or any other service request;

(iv) Any other organization for verifying the identity of investors for complying with anti-money laundering requirements;

(v) Certain Personal Information may be shared with post office, local & international courier service providers and other intermediaries for correspondence with the Provider of Information and for making payments to the Provider by cheques, drafts, warrants, through electronic clearing services, NEFT etc.

STP Transaction - Terms & Conditions

I/We have read, understood and hereby agree to abide by the Scheme Information Document(s) (SID), Key Information Memorandum(s) (KIM) & Statement of Additional Information(s) (SAI), Addendum of the Scheme(s), Foreign Account Tax Compliance Act (FATCA) and Common reporting Standards (CRS) under FATCA & CRS provisions of the Central Board of Direct Taxes notified Rules 114F to 114H, as part of the Income Tax Rules, 1962, Privacy Policy and Terms of Use issued from time to time and available on the website of ICICI Prudential Mutual Fund (www.icicipruamc.com) and agree to abide by the terms, conditions, rules and regulations of the Scheme(s) as on the date of the respective transaction. It is deemed that the investor has agreed to all the terms and conditions of the scheme(s), as prevailing on the date of the registration for this Facility and on the date of the transaction.

• I/We apply for the units of the Fund and agree to abide by the terms, conditions, rules and regulations of the scheme and other statutory requirements of SEBI, AMFI, Prevention of Money Laundering Act, 2002 and such other regulations as may be applicable from time to time.

• I/We confirm to have understood the investment objectives, investment pattern, and risk factors applicable to Plans/Options under the Scheme(s).

• I/We have not received nor been induced by any rebate or gifts, directly or indirectly, in making this investment.

• I/We declare that the amount invested in the Scheme is through legitimate sources only and is not designed for the purpose of contravention or evasion of any Act, Regulations or any other applicable laws enacted by the Government of India or any Statutory Authority.

• I/We agree that in case my/our investment in the Scheme is equal to or more than 25% of the corpus of the plan, then ICICI Prudential Asset Management Co. Ltd. (“AMC”), has full right to refund the excess to me/us to bring my/our investment below 25%.

• I/We hereby declare that I/we do not have any existing Micro SIPs which together with the current application will result in a total investments exceeding Rs. 50,000 in a year.

• The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to me/us.*

• I/We hereby confirm that, I/We have read and understood the SEBI Circulars on uniform cut-off timings for applicability of NAV. I/We will not hold AMC, liable for any delay in crediting the scheme collection accounts by the AMC's service provider resulting in consequent pricing of units.

• I/We hereby confirm that I/we have not been offered/communicated any indicative portfolio and/or any indicative yield for this investment.

• In case there is any change in your KYC information please update the same by using the prescribed ‘KYC change request form’, available on our website www.icicipruamc.com under download section and submit the same at the point of service of any KYC Registration Agency.

• Transaction Charges: In accordance with the SEBI Circular No. IMD/DF/13/2011 dated August 22, 2011, the Fund shall deduct a Transaction Charge on purchase/subscription of Rs.10,000/- and above, wherein such purchase/ subscription is through distributors/agents who have "opted in" to receive the transaction charge. Units will be issued against the balance amount invested.

Transaction charge may be charged in the following manner:

i. The existing investors may be charged Rs.100/- as transaction charge per subscription of Rs.10,000/- and above;

ii. A first time investor may be charged Rs.150/- as transaction charge per subscription ofRs.10,000/- and above.

There shall be no transaction charge on subscription below Rs. 10,000/- and on transactions other than purchases/ subscriptions relating to new inflows. In case of investment through Systematic Investment Plan (SIP), transaction charges shall be deducted only if the total commitment through SIP amounts to Rs. 10,000/- and above. The transaction charges in such cases shall be deducted in 4 equal installments. Investors may note that distributors can opt to receive transaction charges based on ‘type of the Scheme’. Accordingly, the transaction charges would be deducted from the subscription amounts, as applicable. The aforesaid transaction charge shall be deducted by the AMC from the subscription amount and paid to the distributor, as the case may be and the balance amount shall be invested in the relevant scheme opted by the investor.

However, upfront commission to distributors will be paid by the investor directly to the distributor, based on his assessment of various factors including the service rendered by such distributor.

Transaction Charges shall not be deducted if:

• Purchase/Subscription made directly with the fund through any mode (i.e. not through any distributor/agent).

• Purchase/ subscription made through stock Exchange, irrespective of investment amount. CAS/ Statement of account shall state the net investment (i.e. gross subscription less transaction charge) and the number of units allotted against the net investment.

• Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various factors including the service rendered by the distributor.

• In line with regulation under Prevention of Money Laundering Act 2002 (PMLA) and other applicable guidelines, I/We here by confirm that the funds for this purchase are being debited from my/our own account.

• I/We hereby confirm that I/We am/are not persons resident in the United States of America (USA), or corporations, or partnerships or any other entity created or organised in or under the laws of USA or any person/entity falling within the definition of the term 'US Person' under the US Securities Act of 1933, (as amended) and persons of Canada. I/We hereby confirm that I/We are not giving a false confirmation and/or disguising my/our country of residence.

• I/We confirm that AMC is relying upon this confirmation and in no event shall members of the ICICI Group and/or their directors, officers and employees be liable for any direct, indirect, special, incidental or consequential damages arising out of false confirmation/information. If this confirmation is found to be false/incorrect/erroneous, AMC has a right to reject the transactions.

• Collection of Personal Information:

We collect and process your sensitive personal data or information as defined in clause 3 of the Information and technology (Reasonable Security Practices and Procedures and Sensitive Personal Data and Information) Rules 2011, provided by you through application forms, our website, face-to-face or any electronic mode, in order to provide our service or service related information to you. For utilizing the services provided by us through the Online Platform, the provider shall be treated as expressly giving their consent for the processing, retention and utilization of the Personal Information in accordance with the Privacy Policy hosted on the website and the terms hereof.

• Sharing of Personal Information with Third Parties:

We keep all the Personal Information confidential. However, in order to provide you service(s), the provider shall be treated as expressly giving their consent for sharing any information with our

(i) any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law;

(ii) any third party, for administrative, servicing, monitoring and storage of your data. To provide you service(s), your Personal Information will be processed internally and externally by third Parties. We outsource some services to third parties whom we consider capable of performing the required processing activities so that there is no reduction in the service standard provided to you by us.

The Personal Information so collected shall be communicated to third parties only for the reasons consistent with the purposes for which such Personal Information was originally collected or such purposes as authorized by law.

To the extent required or permitted under law, we may share your Personal Information for the uses mentioned herein;

(i) Any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law

(ii) Registrar and transfer agent (s), call centers, Banks, custodians, depositories and/or authorized external third parties who are involved in transaction processing, dispatches, etc., of investors’ investment with Us and/or who are vendors/ service providers/ distributors to who are remunerated for the services rendered;

(iii) Financial Advisors or sub-brokers or intermediaries through whom applications are received and whose details are provided on the application form/ transaction slip(s) or any other service request;

(iv) Any other organization for verifying the identity of investors for complying with anti-money laundering requirements;

(v) Certain Personal Information may be shared with post office, local & international courier service providers and other intermediaries for correspondence with the Provider of Information and for making payments to the Provider by cheques, drafts, warrants, through electronic clearing services, NEFT etc.

Value STP Transaction - Terms & Conditions

I/We have read, understood and hereby agree to abide by the Scheme Information Document(s) (SID), Key Information Memorandum(s) (KIM) & Statement of Additional Information(s) (SAI), Addendum of the Scheme(s), Foreign Account Tax Compliance Act (FATCA) and Common reporting Standards (CRS) under FATCA & CRS provisions of the Central Board of Direct Taxes notified Rules 114F to 114H, as part of the Income Tax Rules, 1962, Privacy Policy and Terms of Use issued from time to time and available on the website of ICICI Prudential Mutual Fund (www.icicipruamc.com) and agree to abide by the terms, conditions, rules and regulations of the Scheme(s) as on the date of the respective transaction. It is deemed that the investor has agreed to all the terms and conditions of the scheme(s), as prevailing on the date of the registration for this Facility and on the date of the transaction.

• I/We apply for the units of the Fund and agree to abide by the terms, conditions, rules and regulations of the scheme and other statutory requirements of SEBI, AMFI, Prevention of Money Laundering Act, 2002 and such other regulations as may be applicable from time to time.

• I/We confirm to have understood the investment objectives, investment pattern, and risk factors applicable to Plans/Options under the Scheme(s).

• I/We have not received nor been induced by any rebate or gifts, directly or indirectly, in making this investment.

• I/We declare that the amount invested in the Scheme is through legitimate sources only and is not designed for the purpose of contravention or evasion of any Act, Regulations or any other applicable laws enacted by the Government of India or any Statutory Authority.

• I/We agree that in case my/our investment in the Scheme is equal to or more than 25% of the corpus of the plan, then ICICI Prudential Asset Management Co. Ltd. (“AMC”), has full right to refund the excess to me/us to bring my/our investment below 25%.

• I/We hereby declare that I/we do not have any existing Micro SIPs which together with the current application will result in a total investments exceeding Rs. 50,000 in a year.

• The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to me/us.*

• I/We hereby confirm that, I/We have read and understood the SEBI Circulars on uniform cut-off timings for applicability of NAV. I/We will not hold AMC, liable for any delay in crediting the scheme collection accounts by the AMC's service provider resulting in consequent pricing of units.

• I/We hereby confirm that I/we have not been offered/communicated any indicative portfolio and/or any indicative yield for this investment.

• In case there is any change in your KYC information please update the same by using the prescribed ‘KYC change request form’, available on our website www.icicipruamc.com under download section and submit the same at the point of service of any KYC Registration Agency.

• Transaction Charges: In accordance with the SEBI Circular No. IMD/DF/13/2011 dated August 22, 2011, the Fund shall deduct a Transaction Charge on purchase/subscription of Rs.10,000/- and above, wherein such purchase/ subscription is through distributors/agents who have "opted in" to receive the transaction charge. Units will be issued against the balance amount invested.

Transaction charge may be charged in the following manner:

i. The existing investors may be charged Rs.100/- as transaction charge per subscription of Rs.10,000/- and above;

ii. A first time investor may be charged Rs.150/- as transaction charge per subscription ofRs.10,000/- and above.

There shall be no transaction charge on subscription below Rs. 10,000/- and on transactions other than purchases/ subscriptions relating to new inflows. In case of investment through Systematic Investment Plan (SIP), transaction charges shall be deducted only if the total commitment through SIP amounts to Rs. 10,000/- and above. The transaction charges in such cases shall be deducted in 4 equal installments. Investors may note that distributors can opt to receive transaction charges based on ‘type of the Scheme’. Accordingly, the transaction charges would be deducted from the subscription amounts, as applicable. The aforesaid transaction charge shall be deducted by the AMC from the subscription amount and paid to the distributor, as the case may be and the balance amount shall be invested in the relevant scheme opted by the investor.

However, upfront commission to distributors will be paid by the investor directly to the distributor, based on his assessment of various factors including the service rendered by such distributor.

Transaction Charges shall not be deducted if:

• Purchase/Subscription made directly with the fund through any mode (i.e. not through any distributor/agent).

• Purchase/ subscription made through stock Exchange, irrespective of investment amount. CAS/ Statement of account shall state the net investment (i.e. gross subscription less transaction charge) and the number of units allotted against the net investment.

• Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various factors including the service rendered by the distributor.

• In line with regulation under Prevention of Money Laundering Act 2002 (PMLA) and other applicable guidelines, I/We here by confirm that the funds for this purchase are being debited from my/our own account.

• I/We hereby confirm that I/We am/are not persons resident in the United States of America (USA), or corporations, or partnerships or any other entity created or organised in or under the laws of USA or any person/entity falling within the definition of the term 'US Person' under the US Securities Act of 1933, (as amended) and persons of Canada. I/We hereby confirm that I/We are not giving a false confirmation and/or disguising my/our country of residence.

• I/We confirm that AMC is relying upon this confirmation and in no event shall members of the ICICI Group and/or their directors, officers and employees be liable for any direct, indirect, special, incidental or consequential damages arising out of false confirmation/information. If this confirmation is found to be false/incorrect/erroneous, AMC has a right to reject the transactions.

• Collection of Personal Information:

We collect and process your sensitive personal data or information as defined in clause 3 of the Information and technology (Reasonable Security Practices and Procedures and Sensitive Personal Data and Information) Rules 2011, provided by you through application forms, our website, face-to-face or any electronic mode, in order to provide our service or service related information to you. For utilizing the services provided by us through the Online Platform, the provider shall be treated as expressly giving their consent for the processing, retention and utilization of the Personal Information in accordance with the Privacy Policy hosted on the website and the terms hereof.

• Sharing of Personal Information with Third Parties:

We keep all the Personal Information confidential. However, in order to provide you service(s), the provider shall be treated as expressly giving their consent for sharing any information with our

(i) any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law;

(ii) any third party, for administrative, servicing, monitoring and storage of your data. To provide you service(s), your Personal Information will be processed internally and externally by third Parties. We outsource some services to third parties whom we consider capable of performing the required processing activities so that there is no reduction in the service standard provided to you by us.

The Personal Information so collected shall be communicated to third parties only for the reasons consistent with the purposes for which such Personal Information was originally collected or such purposes as authorized by law.

To the extent required or permitted under law, we may share your Personal Information for the uses mentioned herein;

(i) Any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law

(ii) Registrar and transfer agent (s), call centers, Banks, custodians, depositories and/or authorized external third parties who are involved in transaction processing, dispatches, etc., of investors’ investment with Us and/or who are vendors/ service providers/ distributors to who are remunerated for the services rendered;

(iii) Financial Advisors or sub-brokers or intermediaries through whom applications are received and whose details are provided on the application form/ transaction slip(s) or any other service request;

(iv) Any other organization for verifying the identity of investors for complying with anti-money laundering requirements;

(v) Certain Personal Information may be shared with post office, local & international courier service providers and other intermediaries for correspondence with the Provider of Information and for making payments to the Provider by cheques, drafts, warrants, through electronic clearing services, NEFT etc.

Flex STP Transaction - Terms & Conditions

I/We have read, understood and hereby agree to abide by the Scheme Information Document(s) (SID), Key Information Memorandum(s) (KIM) & Statement of Additional Information(s) (SAI), Addendum of the Scheme(s), Foreign Account Tax Compliance Act (FATCA) and Common reporting Standards (CRS) under FATCA & CRS provisions of the Central Board of Direct Taxes notified Rules 114F to 114H, as part of the Income Tax Rules, 1962, Privacy Policy and Terms of Use issued from time to time and available on the website of ICICI Prudential Mutual Fund (www.icicipruamc.com) and agree to abide by the terms, conditions, rules and regulations of the Scheme(s) as on the date of the respective transaction. It is deemed that the investor has agreed to all the terms and conditions of the scheme(s), as prevailing on the date of the registration for this Facility and on the date of the transaction.

• I/We apply for the units of the Fund and agree to abide by the terms, conditions, rules and regulations of the scheme and other statutory requirements of SEBI, AMFI, Prevention of Money Laundering Act, 2002 and such other regulations as may be applicable from time to time.

• I/We confirm to have understood the investment objectives, investment pattern, and risk factors applicable to Plans/Options under the Scheme(s).

• I/We have not received nor been induced by any rebate or gifts, directly or indirectly, in making this investment.

• I/We declare that the amount invested in the Scheme is through legitimate sources only and is not designed for the purpose of contravention or evasion of any Act, Regulations or any other applicable laws enacted by the Government of India or any Statutory Authority.

• I/We agree that in case my/our investment in the Scheme is equal to or more than 25% of the corpus of the plan, then ICICI Prudential Asset Management Co. Ltd. (“AMC”), has full right to refund the excess to me/us to bring my/our investment below 25%.

• I/We hereby declare that I/we do not have any existing Micro SIPs which together with the current application will result in a total investments exceeding Rs. 50,000 in a year.

• The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to me/us.*

• I/We hereby confirm that, I/We have read and understood the SEBI Circulars on uniform cut-off timings for applicability of NAV. I/We will not hold AMC, liable for any delay in crediting the scheme collection accounts by the AMC's service provider resulting in consequent pricing of units.

• I/We hereby confirm that I/we have not been offered/communicated any indicative portfolio and/or any indicative yield for this investment.

• In case there is any change in your KYC information please update the same by using the prescribed ‘KYC change request form’, available on our website www.icicipruamc.com under download section and submit the same at the point of service of any KYC Registration Agency.

• Transaction Charges: In accordance with the SEBI Circular No. IMD/DF/13/2011 dated August 22, 2011, the Fund shall deduct a Transaction Charge on purchase/subscription of Rs.10,000/- and above, wherein such purchase/ subscription is through distributors/agents who have "opted in" to receive the transaction charge. Units will be issued against the balance amount invested.

Transaction charge may be charged in the following manner:

i. The existing investors may be charged Rs.100/- as transaction charge per subscription of Rs.10,000/- and above;

ii. A first time investor may be charged Rs.150/- as transaction charge per subscription ofRs.10,000/- and above.

There shall be no transaction charge on subscription below Rs. 10,000/- and on transactions other than purchases/ subscriptions relating to new inflows. In case of investment through Systematic Investment Plan (SIP), transaction charges shall be deducted only if the total commitment through SIP amounts to Rs. 10,000/- and above. The transaction charges in such cases shall be deducted in 4 equal installments.

Investors may note that distributors can opt to receive transaction charges based on ‘type of the Scheme’. Accordingly, the transaction charges would be deducted from the subscription amounts, as applicable.

The aforesaid transaction charge shall be deducted by the AMC from the subscription amount and paid to the distributor, as the case may be and the balance amount shall be invested in the relevant scheme opted by the investor.

However, upfront commission to distributors will be paid by the investor directly to the distributor, based on his assessment of various factors including the service rendered by such distributor.

Transaction Charges shall not be deducted if:

• Purchase/Subscription made directly with the fund through any mode (i.e. not through any distributor/agent).

• Purchase/ subscription made through stock Exchange, irrespective of investment amount. CAS/ Statement of account shall state the net investment (i.e. gross subscription less transaction charge) and the number of units allotted against the net investment.

• Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various factors including the service rendered by the distributor.

• In line with regulation under Prevention of Money Laundering Act 2002 (PMLA) and other applicable guidelines, I/We here by confirm that the funds for this purchase are being debited from my/our own account.

• I/We hereby confirm that I/We am/are not persons resident in the United States of America (USA), or corporations, or partnerships or any other entity created or organised in or under the laws of USA or any person/entity falling within the definition of the term 'US Person' under the US Securities Act of 1933, (as amended) and persons of Canada. I/We hereby confirm that I/We are not giving a false confirmation and/or disguising my/our country of residence.

• I/We confirm that AMC is relying upon this confirmation and in no event shall members of the ICICI Group and/or their directors, officers and employees be liable for any direct, indirect, special, incidental or consequential damages arising out of false confirmation/information. If this confirmation is found to be false/incorrect/erroneous, AMC has a right to reject the transactions.

• Collection of Personal Information:

We collect and process your sensitive personal data or information as defined in clause 3 of the Information and technology (Reasonable Security Practices and Procedures and Sensitive Personal Data and Information) Rules 2011, provided by you through application forms, our website, face-to-face or any electronic mode, in order to provide our service or service related information to you. For utilizing the services provided by us through the Online Platform, the provider shall be treated as expressly giving their consent for the processing, retention and utilization of the Personal Information in accordance with the Privacy Policy hosted on the website and the terms hereof.

• Sharing of Personal Information with Third Parties:

We keep all the Personal Information confidential. However, in order to provide you service(s), the provider shall be treated as expressly giving their consent for sharing any information with our

(i) any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law;

(ii) any third party, for administrative, servicing, monitoring and storage of your data. To provide you service(s), your Personal Information will be processed internally and externally by third Parties. We outsource some services to third parties whom we consider capable of performing the required processing activities so that there is no reduction in the service standard provided to you by us.

The Personal Information so collected shall be communicated to third parties only for the reasons consistent with the purposes for which such Personal Information was originally collected or such purposes as authorized by law.

To the extent required or permitted under law, we may share your Personal Information for the uses mentioned herein;

(i) Any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law

(ii) Registrar and transfer agent (s), call centers, Banks, custodians, depositories and/or authorized external third parties who are involved in transaction processing, dispatches, etc., of investors’ investment with Us and/or who are vendors/ service providers/ distributors to who are remunerated for the services rendered;

(iii) Financial Advisors or sub-brokers or intermediaries through whom applications are received and whose details are provided on the application form/ transaction slip(s) or any other service request;

(iv) Any other organization for verifying the identity of investors for complying with anti-money laundering requirements;

(v) Certain Personal Information may be shared with post office, local & international courier service providers and other intermediaries for correspondence with the Provider of Information and for making payments to the Provider by cheques, drafts, warrants, through electronic clearing services, NEFT etc.

Rollover - Terms & Conditions

I/We have read, understood and hereby agree to abide by the Scheme Information Document(s) (SID), Key Information Memorandum(s) (KIM) & Statement of Additional Information(s) (SAI), Addendum of the Scheme(s), Foreign Account Tax Compliance Act (FATCA) and Common reporting Standards (CRS) under FATCA & CRS provisions of the Central Board of Direct Taxes notified Rules 114F to 114H, as part of the Income Tax Rules, 1962, Privacy Policy and Terms of Use issued from time to time and available on the website of ICICI Prudential Mutual Fund (www.icicipruamc.com) and agree to abide by the terms, conditions, rules and regulations of the Scheme(s) as on the date of the respective transaction. It is deemed that the investor has agreed to all the terms and conditions of the scheme(s), as prevailing on the date of the registration for this Facility and on the date of the transaction.

• I/We apply for the units of the Fund and agree to abide by the terms, conditions, rules and regulations of the scheme and other statutory requirements of SEBI, AMFI, Prevention of Money Laundering Act, 2002 and such other regulations as may be applicable from time to time.

• I/We confirm to have understood the investment objectives, investment pattern, and risk factors applicable to Plans/Options under the Scheme(s).

• I/We have not received nor been induced by any rebate or gifts, directly or indirectly, in making this investment.

• I/We declare that the amount invested in the Scheme is through legitimate sources only and is not designed for the purpose of contravention or evasion of any Act, Regulations or any other applicable laws enacted by the Government of India or any Statutory Authority.

• I/We agree that in case my/our investment in the Scheme is equal to or more than 25% of the corpus of the plan, then ICICI Prudential Asset Management Co. Ltd. (“AMC”), has full right to refund the excess to me/us to bring my/our investment below 25%.

• I/We hereby declare that I/we do not have any existing Micro SIPs which together with the current application will result in a total investments exceeding Rs. 50,000 in a year.

• The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to me/us.

• I/We hereby confirm that, I/We have read and understood the SEBI Circulars on uniform cut-off timings for applicability of NAV. I/We will not hold AMC, liable for any delay in crediting the scheme collection accounts by the AMC's service provider resulting in consequent pricing of units.

• I/We hereby confirm that I/we have not been offered/communicated any indicative portfolio portfolio and/or any indicative yield for this investment.

• In case there is any change in your KYC information please update the same by using the prescribed ‘KYC change request form’, available on our website www.icicipruamc.com under download section and submit the same at the point of service of any KYC Registration Agency.

• Transaction Charges: In accordance with the SEBI Circular No. IMD/DF/13/2011 dated August 22, 2011, the Fund shall deduct a Transaction Charge on purchase/subscription of Rs.10,000/- and above, wherein such purchase/ subscription is through distributors/agents who have "opted in" to receive the transaction charge. Units will be issued against the balance amount invested.

Transaction charge may be charged in the following manner:

i. The existing investors may be charged Rs.100/- as transaction charge per subscription of Rs.10,000/- and above;

ii. A first time investor may be charged Rs.150/- as transaction charge per subscription of Rs.10,000/- and above.

There shall be no transaction charge on subscription below Rs. 10,000/- and on transactions other than purchases/ subscriptions relating to new inflows. In case of investment through Systematic Investment Plan (SIP), transaction charges shall be deducted only if the total commitment through SIP amounts to Rs. 10,000/- and above.

The transaction charges in such cases shall be deducted in 4 equal installments.

Investors may note that distributors can opt to receive transaction charges based on ‘type of the Scheme’. Accordingly, the transaction charges would be deducted from the subscription amounts, as applicable.

The aforesaid transaction charge shall be deducted by the AMC from the subscription amount and paid to the distributor, as the case may be and the balance amount shall be invested in the relevant scheme opted by the investor.

However, upfront commission to distributors will be paid by the investor directly to the distributor, based on his assessment of various factors including the service rendered by such distributor.

Transaction Charges shall not be deducted if:

• Purchase/Subscription made directly with the fund through any mode

(i.e. not through any distributor/agent).

• Purchase/ subscription made through stock Exchange, irrespective of investment amount. CAS/ Statement of account shall state the net investment (i.e. gross subscription less transaction charge) and the number of units allotted against the net investment.

• Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various factors including the service rendered by the distributor.

• In line with regulation under Prevention of Money Laundering Act 2002 (PMLA) and other applicable guidelines, I/We here by confirm that the funds for this purchase are being debited from my/our own account.

• I/We hereby confirm that I/We am/are not persons resident in the United States of America (USA), or corporations, or partnerships or any other entity created or organised in or under the laws of USA or any person/entity falling within the definition of the term 'US Person' under the US Securities Act of 1933, (as amended) and persons of Canada. I/We hereby confirm that I/We are not giving a false confirmation and/or disguising my/our country of residence.

• I/We confirm that AMC is relying upon this confirmation and in no event shall members of the ICICI Group and/or their directors, officers and employees be liable for any direct, indirect, special, incidental or consequential damages arising out of false confirmation/information. If this confirmation is found to be false/incorrect/erroneous, AMC has a right to reject the transactions.

• Collection of Personal Information:

We collect and process your sensitive personal data or information as defined in clause 3 of the Information and technology (Reasonable Security Practices and Procedures and Sensitive Personal Data and Information) Rules 2011, provided by you through application forms, our website, face-to-face or any electronic mode, in order to provide our service or service related information to you. For utilizing the services provided by us through the Online Platform, the provider shall be treated as expressly giving their consent for the processing, retention and utilization of the Personal Information in accordance with the Privacy Policy hosted on the website and the terms hereof.

• Sharing of Personal Information with Third Parties:

We keep all the Personal Information confidential. However, in order to provide you service(s), the provider shall be treated as expressly giving their consent for sharing any information with our

(i) any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law;

(ii) any third party, for administrative, servicing, monitoring and storage of your data. To provide you service(s), your Personal Information will be processed internally and externally by third Parties. We outsource some services to third parties whom we consider capable of performing the required processing activities so that there is no reduction in the service standard provided to you by us.

The Personal Information so collected shall be communicated to third parties only for the reasons consistent with the purposes for which such Personal Information was originally collected or such purposes as authorized by law.

To the extent required or permitted under law, we may share your Personal Information for the uses mentioned herein;

(i) Any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law

(ii) Registrar and transfer agent (s), call centers, Banks, custodians, depositories and/or authorized external third parties who are involved in transaction processing, dispatches, etc., of investors’ investment with Us and/or who are vendors/ service providers/ distributors to who are remunerated for the services rendered;

(iii) Financial Advisors or sub-brokers or intermediaries through whom applications are received and whose details are provided on the application form/ transaction slip(s) or any other service request;

(iv) Any other organization for verifying the identity of investors for complying with anti-money laundering requirements;

(v) Certain Personal Information may be shared with post office, local & international courier service providers and other intermediaries for correspondence with the Provider of Information and for making payments to the Provider by cheques, drafts, warrants, through electronic clearing services, NEFT etc.

Consolidated Terms and Conditions

Click here to download.

Systematic Cancelation- Terms & Conditions

• Notice for SIP cancellation should be received 30 days prior to subsequent instalment, else AMC reserves the right to execute all interim instalments.

• Notice for STP/ SWP cancellation should be received 7 business days prior to subsequent instalment, else AMC reserves the right to execute all interim instalments.

• The said facility is applicable only for registrations initiated either directly with ICICI Prudential Asset Management Company or its RTA - Computer Age Management Services Limited. AMC would not be liable to execute cancellations for registrations initiated from any other sources (Exchanges/MFU/ Channel Partners etc.)

• SIP cancellation is subject to banker acceptance wherever applicable.

SIP Pause- Terms & Conditions

I/We agree to avail all the facility (hereinafter referred as “Facility”) offered by various scheme(s) of ICICI Prudential Mutual Fund (“Fund”), a Mutual Fund registered with the Securities and Exchange Board of India (“SEBI”), managed by investment manager ICICI Prudential Asset Management Company Limited (“AMC”) and agree to abide by these Terms and Conditions (“T&C”), as amended from time to time, and thereupon apply and binding on me/us, mentioned below:

• Notice for SIP Pause should be received 30 days prior to subsequent instalment, else AMC reserves the right to execute all interim instalments.

• I/We agree that transactions carried out through any mode in the units of various Scheme(s) of Mutual Fund shall be subject to the provisions contained in the respective Scheme Information Document(SID), Key Information Memorandum(KIM) of the Scheme(s), Statement of Additional Information(SAI),Foreign Account Tax Compliance Act (FATCA) and Common Reporting Standards (CRS) under FATCA & CRS provision of the Central Board of Direct Taxes notified Rules 114 F to 114H, as part of the Income-tax Rules, 1962, Privacy Policy and Terms of Use issued from time to time and available on the website of ICICI Prudential Mutual Fund (www.icicipruamc.com), as amended from time to time. It is deemed that the investor has agreed to all the T&C of the scheme(s), as prevailing on the date of the registration for any Facility and on the date of the transaction.

• Notice for SIP Pause should be received 30 days prior to subsequent installment; else AMC reserves the right to execute all interim installments.

• The SIP Pause facility is only available for SIP registration with monthly frequency.

• The said facility is applicable only for SIP registrations initiated either directly with the AMC or its Registrar and Transfer Agent (RTA) - Computer Age Management Services Limited (CAMS). The AMC would not be liable to execute cancellations for registrations initiated from any other sources(Exchanges/MFU/ Channel Partners etc.).

• The Bank shall not be liable for, nor be in default by reason of, any failure or delay in completion of its obligations under this Agreement, where such failure or delay in completion of its obligations under this Agreement, where such failure or delay is caused, in whole or in part, by any acts of God, civil war, civil commotion, riot, strike, mutiny, revolution, fire, flood, fog, war, lightening, earthquake, change of Government policies, unavailability of Bank’s computer system, force majeure events, or any other cause of peril which is beyond the Bank’s reasonable control and which has effect of preventing the performance of the contract by the Bank.

• SIP Pause facility will allow existing investor to ‘Pause’ their SIP for a specified period of time. i.e. Minimum 1 month and Maximum 3 months. The SIP Pause tenure shall not exceed more than 3 months.

• The SIP shall restart from the immediate month after the completion of Pause period.

• Investors need to provide their folio number in this SIP Pause form.

• ICICI Prudential Mutual Fund, its registrars and other service providers shall not be responsible and liable for any damages/compensation for any loss, damage etc. incurred by the investor. The investor assumes the entire risk of using this facility and takes full responsibility.

• By opting for this facility through any mode, the investor hereby agrees to indemnify and not hold responsible, the AMC and its employees, the R&T agent and the service providers incase his/her bank is not able to affect any of the payment instructions for whatsoever reason.

• With the registration of this Facility, Unit Holder(s)/ Investors authorizes the call center executive of Fund/AMC to call on the registered mobile number for the verification/ confirmation of the transaction received in the Investor's name under this facility, in case required. The provisions relating to 'Do Not Disturb' /'DND' under TRAI shall not be applicable for such calls made by the AMC/Fund.

• The AMC may amend the above T&C, at any time without prior notice to the Unit holders/ Investors and such amended T&C will thereupon apply to and be binding on the unit holders.

Collection of Personal Information: We collect and process your sensitive personal data or information as defined in clause 3 of the Information and technology (Reasonable Security Practices and Procedures and Sensitive Personal Data and Information) Rules 2011, provided by you through application forms, our website, face-to-face or any electronic mode, in order to provide our service or service related information to you. For utilizing the services provided by us through the Online Platform, the provider shall be treated as expressly giving their consent for the processing, retention and utilization of the Personal Information in accordance with the Privacy Policy hosted on the website and the terms hereof.

• Sharing of Personal Information with Third Parties:We keep all the Personal Information confidential. However, in order to provide you service(s), the provider shall be treated as expressly giving their consent for sharing any information with our (i) any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law; (ii) any third party, for administrative, servicing, monitoring and storage of your data. To provide you service(s), your Personal Information will be processed internally and externally by third Parties. We outsource some services to third parties whom we consider capable of performing the required processing activities so that there is no reduction in the service standard provided to you by us.
The Personal Information so collected shall be communicated to third parties only for the reasons consistent with the purposes for which such Personal Information was originally collected or such purposes as authorized by law.
To the extent required or permitted under law, we may share your Personal Information for the uses mentioned herein;

a. Any tax authority, any statutory, regulatory, judicial authority and/or body, law enforcement agencies, prevention agencies, whether Indian or overseas, if obligated to do so under applicable law.

b. Registrar and transfer agent (s), call centers, Banks, custodians, depositories and/or authorized external third parties who are involved in transaction processing, dispatches, etc., of investors’ investment with Us and/or who are vendors/ service providers/ distributors to who are remunerated for the services rendered;

c. Financial Advisors or sub-brokers or intermediaries through whom applications are received and whose details are provided on the application form/ transaction slip(s) or any other service request;

d. Any other organization for verifying the identity of investors for complying with anti-money laundering requirements;

e. Certain Personal Information may be shared with post office, local & international courier service providers and other intermediaries for correspondence with the Provider of Information and for making payments to the Provider by cheques, drafts, warrants, through electronic clearing services, NEFT etc.

Whatsapp service -Terms and Conditions 

These terms and conditions (“WhatsApp Terms and Conditions” as amended from time to time) are applicable to the Investors (defined hereinafter) that avail the Services (defined hereinafter) provided thereon by ICICI Prudential Mutual Fund through its Investment Manager ICICI Prudential Asset Management Company Limited (“Mutual Fund”) on the WhatsApp platform and who are eligible for certain select services.
The WhatsApp Terms and Conditions shall be in addition to any other terms and conditions as stipulated by the Mutual Fund from time to time on its website www.icicipruamc.com. in relation to products and services provided by the Mutual Fund.
Any services that may be offered to the Investor through the WhatsApp platform (“WhatsApp”) is at the discretion of the Mutual Fund and/or basis the eligibility criteria of a Investor and such services are subject to certain terms and conditions. In case of conflict between any of these WhatsApp Terms and Conditions and the terms and conditions for other services provided on the WhatsApp channel, specific terms and conditions of such services shall prevail.
Further, in case of inconsistency between the WhatsApp Terms and Conditions and any specific terms and conditions pertaining to any specific service/product, the specific terms and conditions of that particular service/product shall prevail.

1- Definitions


• “Account” refers to the Mutual Fund Folio maintained by the Investor with the Mutual Fund.

• “Account Related Services” shall mean the Services which pertain to information in relation to the Account of the Mutual Fund’s Investor including but not limited to Portfolio valuation, statement of account request which are enabled by the Mutual Fund, from time to time, at its sole discretion.

• "Device" means a computer, laptop, mobile phone, tablet or any other similar device that enables the Investor to access WhatsApp and use the Services.

• “Investor” shall mean any person holding mutual fund units or interacting with the Mutual Fund on WhatsApp using the Registered Mutual Fund Number / using the Services provided by the Mutual Fund through WhatsApp.

• “Investor Information” refers to the personal data or information or such other data or information including any sensitive personal data in relation to the Investor, shared by the Investor or provided to the Investor by the Mutual Fund or collected or obtained from the Investor or from WhatsApp or from any such source in the course of the Investor availing the Services hereunder.

• “One Way Communication” shall mean the service provided by the Mutual Fund to the Investor on WhatsApp where the Mutual Fund sends its Investor one-way messages through its Registered Mutual Fund Number in the nature of information, alerts, updates, transaction alerts, statements in relation to Account and such other communications as the Mutual Fund may enable from time to time, at its discretion.

• “Privacy Policy/Privacy Commitment” shall have the meaning as ascribed on the Website;

•“Registered Mutual Fund Number” is the authorized number of the Mutual Fund, registered with WhatsApp for the purposes of providing Services herein.

• “Registered Investor Number" is the mobile number which the Investor has registered with the Mutual Fund.

• “Service(s)” shall mean the One Way Communication and Two Way Communication services provided by the Mutual Fund by itself or through any of its service providers, to a Investor on WhatsApp

•“Two Way Communication” shall mean the service provided by the Mutual Fund to the Investors on WhatsApp where the Investor can communicate with the Mutual Fund by sending it messages in the form of making requests, seeking information, asking queries etc. on the Registered Mutual Fund Number and where the Mutual Fund responds to such messages. However, this service and the Mutual Fund’s responses shall be limited only to such queries, information, requests etc. as may be determined by the Mutual Fund from time to time, at its sole discretion.

•“WhatsApp” is the application provided by WhatsApp Inc. 1601 Willow Road, Menlo Park, California 94025.


2- Interpretation


• All references to singular include plural and vice versa and the word "includes" should be construed as "without limitation"

• Words importing any gender include the other gender. ‘We/us’ refers to Mutual Fund/Mutual Fund and ‘You/yours’ refer to the Investor using the WhatsApp facility.

• Reference to any statute, ordinance or other law includes all regulations and other instruments and all consolidations, amendments, re-enactments or replacements for the time being in force

•All headings, bold typing and italics (if any) have been inserted for convenience of reference only and do not define limit or affect the meaning or interpretation of these Terms and Conditions

•Reference to any law or legislation, regulation, rule shall mean, applicable, constitution, statute, law, rule, regulation, ordinance, judgment, order, decree, authorisation, or any published directive, guideline, notice, requirement or governmental restriction, having the force of law in any jurisdiction and include laws as amended from time to time.

3- Purpose


This WhatsApp platform serves as supplementary medium through which we can communicate with you and provide Services and further enable certain services as the Mutual Fund may decide in its sole discretion.


4- Eligibility for using the services

The Investor hereby agrees and undertakes that he/she shall use the Services only if he/she fulfills the eligibility as given below

1. The Investor is an individual and is a major;

2. The Investor is a Guardian of a minor;

3. The Investor is of sound mind, solvent and competent to contract;

4. The Investor is a resident of India and is present in the territory of India at the time of utilization of the Services.

Minor investors:

The Platform may be accessed on behalf of a minor unit holder/investor by the natural and/or legal guardian. The guardian shall represent the minor in all transactions of any description executed on the Platform or otherwise on behalf of the minor until the said minor attains majority.
The payment for the purchases shall be made only from the bank account of the minor or the bank account where minor is one of the joint holders. Also, the minor unit holder transaction shall be made only from the bank account of the minor or and/or legal guardian proceeds/ dividend payouts. The Mutual Fund shall pay proceeds of redemption / dividend payouts only in the name of minor investor/ minor unit holder. The Mutual Fund shall not be liable for any loss or damage sustained by the minor unit holder on account of any non-receipt of or delays in receiving the redemption proceeds / dividend payouts on account of the above.
Nomination shall not be allowed till such time the minor attains the age of majority
The guardian shall be eligible to access the Platform on behalf of the minor till such time the minor attains the age of majority. The guardian agrees to indemnify the Mutual Fund against any claim of the minor for any transactions made in the minor's account. Upon the minor attaining the age of majority, the right of the guardian to represent the minor and to access the Platform on behalf of the minor shall stand terminated. The minor shall be required to fulfill such formalities, through submission of physical request forms and documents, updation of bank and contact details, etc., as may be stipulated by the Mutual Fund for change of status from minor to major from time to time. Access to the Platform with respect to the investments of the minor unit holder shall remain suspended till such time the formalities of change of status are completed.

THE WHATSAPP SERVICES ARE CURRENTLY NOT PROPOSED TO BE EXTENDED TO OUR NON RESIDENT INDIAN (NRI) INVESTORS OR ANY INVESTOR RESIDING OUTSIDE INDIA. HENCE, IF YOU ARE AN NRI OR A INVESTOR RESIDING OUTSIDE INDIA, PLEASE DO NOT USE THESE SERVICES.


5- Applicability of Whatsapp Terms and Conditions 


These WhatsApp Terms and Conditions form a contract between the Investor and Mutual Fund. The Investor shall apply to Mutual Fund in the prescribed manner for availing of the Services.

By applying and opting in for the Services, the Investor acknowledges that he has read, understood and accepted these WhatsApp Terms and Conditions and other specific terms and conditions as pertaining to the Account and any other products/offers/facilities and services availed by the Investor whether or not through WhatsApp.

No act, delay or omission by the Mutual Fund shall affect its rights, powers and remedies under these Terms and Conditions and other terms on the Mutual Fund website www.icicipruamc.com., hereinafter referred to as “Website”).

The Investor hereby accepts and agrees that all Services and communications (both One Way Communication and Two Way Communication) taking place on WhatsApp, initiated either by the Mutual Fund or the Investor, will be governed by and subject to these WhatsApp Terms and Conditions. Further, the Investor hereby agrees that the Investor grants express authority to the Mutual Fund for carrying out the Services requested by the Investor on WhatsApp on its Registered Mutual Fund Number. Provided however that the Mutual Fund shall not be required to authenticate the Investor, if any request for the Services comes on WhatsApp to the Registered Mutual Fund Number, and in case of a Investor, if the number reflected in the requestor’s mobile is a Investor’s Registered Number, the Mutual Fund shall be entitled to presume that it is the Investor itself which is interacting through WhatsApp and in case of any other Investor the Mutual Fund shall be entitled to presume that the number reflected in the WhatsApp profile is the Investor’s number and it is the Investor itself and not any other person who is interacting with the Registered Mutual Fund Number. The Mutual Fund's own record or log of transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes.


6- Services


The Investor agrees and accepts that the Mutual Fund reserves the right to provide only such Services as the Mutual Fund may at its discretion permit from time to time. The Mutual Fund may also inform/update the availability/non-availability of any particular Service, at its sole discretion. The Investor hereby agrees that the Mutual Fund may at any time, without prior notice to the Investor, modify, discontinue or make additions/deletions to the Services offered to the Investor. The Investor agrees that he shall not hold the Mutual Fund responsible for not responding to the queries of/ information sought by the Investor or not providing a response to the satisfaction of the Investor or not processing any request of the Investor, in case such a message sent by the Investor in case the Mutual Fund does not receive an instruction to this effect in its systems or the message sent by the Investor is not in the format as required by the Mutual Fund or does not fall under the Services being offered by the Mutual Fund at the time or the Mutual Fund does not receive such a message for technical reasons or otherwise or for any reason whatsoever. The Mutual Fund will have no liability in case of any fraud or impersonation incidents through the WhatsApp platform. Further, in case the Mutual Fund permits any Service in the nature of a transaction, the Investor agrees that such a Service shall be subject to statutory/ regulatory limits and/or any limits that may be imposed by the Mutual Fund, from time to time, at its sole discretion


7- Registration and Verification


•For availing the One Way Communication service, the Investor agrees and confirms to have accepted the Privacy Policy of the Mutual Fund applicable to the Investor for availing the Services.

•For availing the Two Way Communication service, the Investor agrees to have accepted (a) the WhatsApp Terms and Conditions applicable to the Investor for availing the Services mentioned herein; (b) the Privacy Policy of the Mutual Fund applicable to the Investor for availing the Services mentioned herein and (c) any other Account/product/service/offer related specific terms and conditions as applicable. Provided that, the Mutual Fund may modify the process for authentication, registration and/or verification of the Investor, for One Way Communication and/or Two-Way Communication, at any time, at its sole discretion


8- Important


• The Investor shall apply to Mutual Fund for use of the Services (and/or for any changes to the options available under the Services) in such manner and through such modes as may be specified and made available by Mutual Fund.

• Mutual Fund in its sole discretion shall decide the devices, software platforms, versions, networks, methods, and data services that will be supported by the WhatsApp platform for providing these Services. Any attempts to modify unsupported versions for use in the WhatsApp platform will be treated an unauthorized use and violation (“Unauthorized Use”) of these WhatsApp Terms and Conditions. The Services through the WhatsApp platform shall be suspended with immediate effect if there is Unauthorized Use by the Investor..

• The Investor agrees that the Investor shall be responsible for upgrading any software, hardware and the operating system at his/her own cost from time to time so as to be compatible to continue to avail the Services offered by the Mutual Fund. The Mutual Fund shall be at liberty to change, vary or upgrade its software, hardware, operating systems, etc. from time to time and shall be under no obligation to support the software, hardware, operating systems used by the Investor and that the same shall be the Investor’s sole responsibility. Some Services may not work on an outdated platform and hence it is Investor’s sole responsibility to ensure timely upgradation of the WhatsApp platform.

•  By subscribing to Services on WhatsApp platform, the Investor agrees to get notifications via WhatsApp including account statement, transaction details, and other services/communications. Investor also agrees to receive notifications sent by the Mutual Fund from time to time on the Registered Investor Number via WhatsApp.

• The Investor irrevocably and unconditionally authorises the Mutual Fund to share the Account information with any third parties for the purpose of accepting/ executing such Service requests of the Investors.

•  The Investor agrees that any Account related Services shall be provided to the Investors through WhatsApp platform only to a WhatsApp account associated with the Registered Investor Number..

• The Investor is aware that it may not be possible for the Mutual Fund to give detailed information on the Service/functionalities. The Mutual Fund shall not be responsible or liable to you or any third party for the consequences arising out of or in connection with using of this Service or with respect to the limited information provided by the Mutual Fund on WhatsApp. In case the Investor requires further information, they Investor can reach out to Mutual Fund either in the nearest branch, on Mutual Fund’s Investor Care number or through any other channels provided by the Mutual Fund.*

• The responses sent by the Mutual Fund on WhatsApp platform (either for One Way Communication and/or Two Way Communication) are based on a program running at back-end. This program has been developed and regularly enhanced to handle the queries in best possible manner. However, for any answers that the Investor may not find satisfactory or for any inaccuracies arising therefrom, the Mutual Fund shall not be held responsible. The Investor may call Investor Care number or email at enquiry@icicipruamc.com or visit www.icicipruamc.com. in case of any clarifications.

•  The Investor agrees that Mutual Fund and / or its affiliates may hold and process the Investors personal information concerning the account/s on computer or otherwise in connection with the WhatsApp facility as well as for analysis and marketing. You agree and consent that we may collect, store, use and/or disclose your personal data for the Services as detailed on our Website. The Investor also agrees Mutual Fund may disclose, in strict confidence, to other institutions, its service providers, such information as may be reasonably necessary for reasons inclusive of but not limited to the participation in any telecommunication or electronic clearing network, in compliance with legal directive, for credit rating by recognized credit scoring agencies, and for fraud prevention.

• All records of Mutual Fund generated by the transactions arising out of use of the Services through the WhatsApp platform, including the time of the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transactions.

•  Where Mutual Fund considers the instructions to be inconsistent or contradictory with any past instructions or any simultaneous instructions provided by Investor to the Mutual Fund through other channels provided by the Mutual Fund it may seek clarification from the Investor before acting on any instruction of the Investor or act upon any such instruction as it may deem fit. Mutual Fund shall have the right to suspend the Services if Mutual Fund has reason to believe that the Investor's instructions may lead to direct or indirect loss or may require an indemnity from the Investor.

• The Investor accepts that all information /instructions will be transmitted to and /or stored at various locations and be accessed by personnel of Mutual Fund (and its affiliates) or its service providers..

•  On the Investor opting in for the Services through the WhatsApp platform, the Mutual Fund has the discretion to stop sending these alerts on SMS or any other channel.

• Investor is responsible for keeping security safeguard of his WhatsApp account linked to the mobile number.

• Investor understands that using WhatsApp application may carry extra risks and may not be secured. Further any message and information exchanged is subject to the risk of being read, interrupted, intercepted, or defrauded by third party or otherwise subject to manipulation by third party or may involve delay in transmission. Mutual Fund shall not be responsible or liable to the Investor or any third party for the consequences arising out of or in connection with using of this Service.

•  Investor understand that mobile phones are vulnerable to the threats such as but not limited to -

a) Access by intruders to the data /information.

b) Identity theft

c) Privacy violations

d) Planting of stealth software and viruses

e) Disablement or distortion of operations

f) Interception of the transmission of encrypted data/message etc.

The Investor shall immediately notify Mutual Fund in writing if Investor discovers/ suspects unauthorized access. The Mutual Fund shall not be responsible or liable to the Investor or any third party for the consequences arising out of or in connection with using of this Service.

• Investor is aware that using mobile applications involves many uncertain factors and complex software, hardware, systems, etc. which are susceptible to interruptions and dislocations. Mutual Fund do not make any representation or warranty that the WhatsApp facility/service will be available at all times without any interruption and further that Mutual Fund shall not be responsible for any variation, reduction or imposition of the terms or the Investors inability to use the mobile application.

• Investor is aware that authenticated technologies and strict security measures are required for using mobile applications. Investor undertakes to ensure that the password is not revealed to any third party including Mutual Fund officials or any unauthorized person. Investor shall be solely responsible for all the communication exchanged between Investor and Mutual Fund while logging into this service.

• Under no circumstances shall Mutual Fund, or its officials, employees, be liable for any direct, indirect, punitive, incidental, special, or consequential damages that result from the use of, or inability to use, this service or for receipt of any answer provided by Mutual Fund program running at the back-end.

• Investor agrees that the Investor shall not have any claim against Mutual Fund on account of any suspension, interruption, non-availability or malfunctioning of the WhatsApp service due to any link/mobile/system failure at Mutual Fund’s end for any reason thereof.

• Investor shall not reproduce, copy, or redistribute for commercial purposes any materials or design elements of this WhatsApp service.

• Investor shall ensure appropriate data network connection. Receipt of messages by Investor shall be subject to the data network connection and Mutual Fund shall not be held responsible for any delay or non-receipt of the responses at WhatsApp channel.

•Investor shall not submit or transmit any content through this WhatsApp channel that is:

a) Obscene, Vulgar, or Pornographic, immoral, illegal, illicit, unethical etc.

b) Encourages the commission of a crime or violation of any law.

c) Violates any law in India and/or the jurisdiction in which Investor resides.

d) Infringes the intellectual or copyrights of the Mutual Fund or a third party.

e) Constitute confidential information and/or personal or sensitive information/data belonging to the Investor or any third person.

• Mutual Fund reserves the right to remove or otherwise delete any content or submissions made by the Investor that violates the rules or which are inappropriate, as per Mutual Fund’s sole discretion, without any liability or giving warning to the Investor.

• All instructions for availing the services under the WhatsApp facility shall be provided through the Registered Investor Number in the manner indicated by Mutual Fund. The Investor is also responsible for the accuracy and authenticity of the instructions provided to Mutual Fund and the same shall be considered to be sufficient for availing of the services under the WhatsApp facility. The alerts would be sent on the mobile phone number, last registered with Mutual Fund.

• The Investor agrees that if he/she notices any error in any information supplied to the Investor by the use of any of the Services, the Investor shall inform the Mutual Fund of the same, as soon as possible. The Mutual Fund will endeavor to correct the error promptly. The Investor agrees that all outputs of statements that may appear on WhatsApp, upon making a request to that effect, are information extracted from a computerized back up system maintained by the Mutual Fund and may not be continuously be updated in real time. The Mutual Fund shall provide the information as may be last updated on the systems of the Mutual Fund. While the Mutual Fund will take all reasonable steps to ensure the accuracy of the statement, the Mutual Fund is not liable for any error and shall not hold the Mutual Fund responsible for any loss incurred or action taken by the Investor by relying on such information.

• The Investor agrees that the responses received by the Investor from Mutual Fund are based on program running at backend. This program has been developed and regularly enhanced to handle the queries in best possible manner. However, for any inappropriate/inaccurate answers or any answers that the Investors may not find satisfactory, the Mutual Fund shall not be held responsible.

• It is recommended for Investors who have subscribed to this WhatsApp service to delete WhatsApp application when changing their device so as to ensure there is no misuse of the same.

• That all the Services provided to the Investor are subject to applicable law and the rules, regulations, notifications, circulars and guidelines introduced or amended from time to time by the Securities and Exchange Board of India and/or any regulatory/ statutory/ governmental authority.

• The Mutual Fund has the right to retract the Investor’s right to utilize the Service anytime it deems fit without any notice to the Investor.

• The Investor hereby acknowledges that he is availing the Service(s) at his own risk and the Investor shall not hold the Mutual Fund responsible or liable for any of the risks including but not limited to the following:

a) Password misuse- The Investor acknowledges that if any third person obtains access to the Investor's device or SIM card or the Investor’s WhatsApp, such third party may be in a position to access Investor information, which may be confidential in nature.

b) Mistake/Error- the Investor acknowledges that the Investor may be sent responses or shown information which may not be applicable to him or may not be sent a satisfactory response, and the Investor agrees that in such a scenario the Mutual Fund shall not be liable for any loss to the Investor in this regard. The Investor shall therefore take all care to ensure that there are no mistakes and errors and that the message sent/ request made/ query asked by the Investor to the Mutual Fund in this regard is error free, accurate, proper and complete at all points of time. The Investor agrees that the Mutual Fund is providing the Services at the Investor’s sole risk. The Investor agrees that the Mutual Fund shall not be liable for any loss, damages or consequences whatsoever arising due to any erroneous or incomplete information or any delay in executing the instructions for reasons beyond the control of the Mutual Fund. The Investor shall be liable and responsible to Mutual Fund and accede to accept the Mutual Fund’s instructions without questions for any unfair or unjust gain obtained by him in the course of availing of the Services.

c) It may also be possible that the site of the Mutual Fund may require maintenance or is otherwise down or there is a technical failure and during such time it may not be possible to process the request of the Investors. This could result in delays in the processing of instructions or failure in the processing of instructions and other such failures and inability. The Investor understands that the Mutual Fund disclaims all and any liability, whether direct or indirect, whether arising out of loss of profit or otherwise arising out of any failure or inability by the Mutual Fund to honour any Investor instruction for any reason whatsoever. The Investor unequivocally and unconditionally understands and accepts that the Mutual Fund shall not be responsible for any of the aforesaid risks. The Investor also accepts that the Mutual Fund shall disclaim all liability in respect of the said risks.

• Investor agrees that the Registered Mutual Fund Number on the WhatsApp platform cannot be used for grievance redressal as of now, Mutual Fund will have no liability on reporting of such incidents received through WhatsApp. The Investor may call Investor Care number or email at enquiry@icicipruamc.com or visit www.icicipruamc.com. in case of any clarifications.

• These Terms and Conditions may be withdrawn, superseded or modified at any time whatsoever, by the Mutual Fund without any prior notice.


9- Third Party


• WhatsApp is owned by a third-party unaffiliated with Mutual Fund. The Investor shall independently be guided by the privacy policies of WhatsApp and the third parties or group companies of WhatsApp and the Mutual Fund has no control over them. Mutual Fund is not responsible for the privacy or security policies at these sites or other third-party sites that may be linked to within the Mutual Fund’s social media channels. The Investor should always review the privacy and security practices and policies of each third-party site you visit. The Mutual Fund does not endorse and is not responsible for any ads, content, products, advice, opinions, recommendations or other material of third-party sites that may be promoted via advertising within any social media channels.

• The Investor further understands and agrees that WhatsApp or any other service provider through which we are providing the WhatsApp facility can review and monitor, store the contents shared/communicated through the WhatsApp or other service provider(s) and may share the same with third parties.

• Hence, we strongly recommend that you:

i. Never share privacy-sensitive details via WhatsApp messages/ through the WhatsApp facility.

ii. That we will not send messages of our own accord this way and will only respond to the messages sent to us except for any important communication and awareness messages.

iii. Not to contact us through the WhatsApp channel for complaints, grievances or similar important matters.


10- Disclaimer Of Liability


• Mutual Fund shall not be responsible for any failure on the part of the Investor to utilize the WhatsApp facility due to the Investor not being within the geographical range within which the WhatsApp facility is offered and which forms part of the roaming network of such cellular service provider, providing services to the Investor availing such roaming facility from the respective cellular service provider. If the Investor has reason to believe that the mobile phone number is / has been allotted to another person and / or his mobile phone handset is lost, he shall immediately inform Mutual Fund of the same.

i. the Investor has breached any of the terms and conditions, contained herein or

ii. the Investor has contributed to or the loss is a result of failure on part of the Investor to advise Mutual Fund within a reasonable time about unauthorized access of or erroneous transactions by use of the Services; or

iii. as a result of failure on part of the Investor to advise Mutual Fund of a change in or termination of the Investor's mobile phone numbers/SIM (“Subscriber Identity Module”) cards.

iv. there has been an unauthorized instruction provided through the WhatsApp channel as a result of any person having control or custody of telecommunications instrument (such as the mobile handset) so that such instrument may be used to give telecommunications instruction without authorization or any other issue/default/error/technological problem in the telecommunication instrument (such as the mobile handset) or duplication of mobile number / SIM of the Investor such as but not limited to SIM card cloning, virus in handset etc.

Mutual Fund shall endeavor to provide the WhatsApp facility on a best effort basis and the Investor shall not hold Mutual Fund liable for non-availability of the WhatsApp facility or non-performance by service providers, if any, engaged by Mutual Fund or any loss or damage caused to the Investor as a result of use of the WhatsApp facility for causes which are not attributable to Mutual Fund. Mutual Fund shall not be liable in any manner to the Investor in connection with the use of the WhatsApp facility.

• Mutual Fund shall endeavor to carry out the instructions received from the Investor through the WhatsApp channel promptly, provided that Mutual Fund, shall not be responsible for the delay in carrying out such instructions due to any reason whatsoever, including, but not limited to, failure of operational system or any requirement of law or Mutual Fund’s internal policies.

• The Investor accepts that each WhatsApp communication may contain certain account information relating to the Investor. The Investor authorizes Mutual Fund to send Account related information, though not specifically requested, if Mutual Fund deems that the same is relevant.

• Mutual Fund shall not be held responsible for the confidentiality, secrecy and security of the personal or account information being sent through the WhatsApp facility. The Investor agrees that the access to the WhatsApp facility shall be only through the registered mobile phone number and any transaction, instruction which originates from the same, whether initiated by the Investor or not, shall be deemed to have originated from the Investor.

•Under no circumstance, Mutual Fund shall be held liable if the WhatsApp facility is not available for reasons including but not limited to natural calamities, legal restraints, faults in the telecommunication network or network failure, or any other reason beyond the control of Mutual Fund. Mutual Fund shall not be liable under any circumstances for any damages whatsoever whether such damages are direct, indirect, incidental consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the Investor or by any other person. Illegal or improper use of the WhatsApp facility shall render the Investor liable for payment of financial charges as decided by Mutual Fund or will result in suspension of the WhatsApp facility for the Investor.

•Mutual Fund is in no way liable for any error or omission in the services provided by any cellular or any third party service provider (whether appointed by Mutual Fund in that behalf or otherwise) to the Investor, which may affect the WhatsApp facility.

•Mutual Fund does not warrant the confidentiality or security of the messages whether personal or otherwise transmitted through the WhatsApp facility. Mutual Fund makes no warranty or representation of any kind in relation to the system and the network or their function or performance or for any loss or damage whenever and howsoever suffered or incurred by the Investor or by any person resulting from or in connection with the WhatsApp facility.

• Without limitation to the other provisions of these WhatsApp Terms and Conditions, Mutual Fund, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the Investor or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of Mutual Fund in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the Investor and the network of any cellular service provider and Mutual Fund 's system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the Investor, Mutual Fund 's system or the network of any cellular service provider and/or any third party who provides such services as is necessary to provide the WhatsApp.

• Notwithstanding anything in the contrary provided in this terms and conditions, Mutual Fund shall not be involved in or in any way liable to the Investor for any dispute between the Investor and a cellular service provider or any third party service provider or WhatsApp (whether appointed by Mutual Fund for such purpose or otherwise) while availing these Services through the WhatsApp platform.

•The Investor shall not interfere with or misuse in any manner whatsoever the WhatsApp facility and in the event of any damage due to improper or fraudulent use by the Investor, the Investor shall be liable for damages to Mutual Fund or for any losses suffered by the Mutual Fund.

• The Investor is solely responsible for protecting his/her OTP/debit card PIN/ password or mobile phone number and any other password and/or any other mode of verification as prescribed/ issued by Mutual Fund for the use of the WhatsApp facility from time to time without any liability of Mutual Fund in this regard. The Investor hereby agrees and accepts that he/she shall at all times be solely responsible for the protection and safe keep of his/her SIM card, Device and the applications installed thereon, specifically WhatsApp, login IDs, Investor Information, security details and passwords as mentioned hereinabove and hereby fully agrees that the Mutual Fund shall in no manner be liable for any direct or indirect or consequential or other loss arising out of any action or omission because of compromise of the same in any manner whatsoever. The Investor agrees that the Mutual Fund assumes no liability whatsoever in case of any event of such compromise of the Investor’s WhatsApp and the Mutual Fund shall not be held responsible for any such event. Further, the Investor agrees and understands that WhatsApp can also be logged on from more than one device at the same time, including by using web log in and the Investor is aware of the risk in this regard while availing the Services such as compromise of Investor Information, breach of security of the Investor’s WhatsApp account from a device other than the Investors and the Investor undertakes to be vigilant and careful and takes full responsibility for the security of his/her WhatsApp account. The Mutual Fund shall not be responsible or liable to you or any third party for the consequences arising out of or in connection with using of this Service.

Mutual Fund will not be liable for:

i. any unauthorized use of the Investor's OTP/debit card PIN, password or mobile phone number or for any fraudulent, duplicate or erroneous instructions given on the WhatsApp channel;

ii. acting in good faith on any instructions received by Mutual Fund from or on behalf of the Investor in relation to the WhatsApp facility;

iii. error, default, delay or inability of Mutual Fund to act on all or any of the instructions given by the Investor due to any reason;

iv. loss of any information/instructions in transmission;

v. unauthorized access by any other person to any information /instructions given by the Investor or breach of confidentiality;

The aforesaid transaction charge shall be deducted by the AMC from the subscription amount and paid to the distributor, as the case may be and the balance amount shall be invested in the relevant scheme opted by the investor.

Mutual Fund makes no representation or gives no warranty with respect to the quality of the service provided by any cellular service provider or by WhatsApp or any other service provider enabling Mutual Fund to deliver services through WhatsApp to the Investors.

• Mutual Fund may provide any other services as a part of the WhatsApp facility and Mutual Fund shall not be liable for the oversight on part of the Investor to update himself /herself with the addition of services which have been included in the WhatsApp facility.


11- Indemnity


• In consideration of Mutual Fund providing the WhatsApp facility, the Investor, at his own expense, agrees to indemnify, defend and hold harmless, Mutual Fund, its directors and employees, representatives, agents, Investors and/or the affiliates, as the case may be, against all losses, damages, expenses, actions, claims, demands and proceedings whatsoever, that Mutual Fund may incur, sustain, suffer or be put to at any time as a consequence of acting on or omitting or refusing to act on any instructions given by the Investor or otherwise for use of the WhatsApp facility.

•The Investor further specifically agrees to indemnify, defend and hold harmless, Mutual Fund and/or its affiliates from any losses occurring as a result of the:

i. the Investor permitting any third parties to use the WhatsApp facility.

ii. the Investor permitting any other person to have access to his mobile phone or as a consequence of leaving the mobile phone unattended or loss of mobile phone and the Mutual Fund acting/not acting on any instructions received from the same.

iii. the Investor having breached the WhatsApp Terms and Conditions.


12-Termination


• Mutual Fund may, at its discretion, withdraw temporarily or terminate the WhatsApp facility, either wholly or in part, at any time without giving prior notice to the Investor. Mutual Fund may, without prior notice, suspend the WhatsApp facility at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which require the suspension of the WhatsApp facility.

• Mutual Fund may suspend or terminate WhatsApp facility without prior notice if the Investor has breached these WhatsApp Terms and Conditions or Mutual Fund learns of the death, bankruptcy.


13- Proprietary Rights


The Investor acknowledges that the software/ other internet related software which are required for providing the Services or any Intellectual Property Rights of the Mutual Fund in the process are the legal property of the Mutual Fund / respective service providers. The permission given by the Mutual Fund to avail of the Services to the Investor will/ does not create or convey any rights, title or interest to the Investor or to any person, in the above software or Intellectual Property Rights of the Mutual Fund. The Investor agrees that he shall not attempt to modify, translate, disassemble, decompile or reverse engineer such software or create any derivative product based on the software.


14- Disclosure


The Investor hereby expressly authorize and give consent to the Mutual Fund to share, exchange, disclose, transfer or part with any of Account information or personal data, contained provided to/ available with the Mutual Fund, when the Mutual Fund considers such disclosure as necessary or expedient, with:

a) WhatsApp, employees or agents of the Mutual Fund, group entities, subsidiaries, branches in any jurisdiction;

b) Auditors, any agencies, any court or tribunal or any statutory, regulatory, judicial, governmental or administrative authority, SEBI Know your client registration agency having jurisdiction over the Mutual Fund or its group entities/subsidiaries/branches;

c) Service providers or any such person with whom the Mutual Fund contracts or proposes to contract in relation to the provision of services in respect of the account or facilities;

For the purpose:

i. of compliance with applicable laws or any order (judicial or otherwise), statutory or regulatory requirement to which the Mutual Fund, its sponsors, or any of its branches are subject to; or

ii. for authentication or verification purposes, or

iii. research or analytical purposes, risk management, anti-money laundering checks, participation in any telecommunication; or

iv. to design financial services and to offer an enhanced, personalized online experience on the Website and third party websites or otherwise.

v. for enabling registration/verification/offering of any products or any investments to be made by the Investor with Mutual Fund’s group companies/other companies.


15- Government Law


• These WhatsApp terms and conditions shall be governed by laws of India. Any dispute or differences arising out of or in connection with the WhatsApp facility shall be subject to the exclusive jurisdiction of the Courts of Mumbai.

• The Mutual Fund accepts no liability whatsoever, direct or indirect for noncompliance with the laws of any country other than that of India. The mere fact that the WhatsApp facility can be accessed by a Investor in a country other than India does not imply that the laws of the said country govern these terms and conditions and / or the operations in the account/s/services/offers provided to the Investor and / or the use of the WhatsApp facility.


DISCLAIMER:

1. Mutual Fund may, at its sole discretion, utilize the services of external service provider/s or agent/s and on such terms as required or necessary, in relation to its products/ services provided.

2. WhatsApp or any other service provider through which we are providing the WhatsApp facility can/may review and monitor, store the contents (including text, images, videos or other materials) shared/communicated through the WhatsApp platform or other service provider(s) and may share/disclose the same with third parties.

3. Mutual Fund shall not be involved in or in any way liable to the Investor for any dispute between the Investor and a cellular service provider or any third party service provider or WhatsApp (whether appointed by Mutual Fund for such purpose or otherwise) while availing these Services through the WhatsApp platform and the Investor agrees to directly take up any claim/dispute with respect to the usage of WhatsApp platform directly with WhatsApp.

Google Assistant and Amazon Alexa-Terms and Conditions. 

These Terms of Use (“Terms”) are between you and ICICI Prudential Mutual Fund acting through its Investment Manager ICICI Prudential Asset Management Company Limited (“Mutual Fund”), a company incorporated under the laws of India and having its registered office at 12th Floor, Narain Manzil, 23 Barakhamba Road, Connaught Place, New Delhi –110 001 and Corporate Office at ONE BKC, A - Wing, 13th Floor, Bandra-Kurla Complex, Mumbai 400051. These Terms shall govern your access to and use of the services of Mutual Fund (“Services”) availed through the Alexa voice service application or through Google Assistant voice service application (“App”).

Please note that neither Mutual Fund nor Amazon or Google gives any warranty or guarantee about the Services or App or any information made available to you , nor does Mutual Fund or Amazon or Google make any representation with respect to the Services/ App or any information made available to you by the App. You shall not bring any claim against or hold Mutual Fund or Amazon or Google liable in any case whatsoever for any loss/damage/claim that may arise out of your access to the Services or App or on any reliance by you on any information made available to you by the App by accessing the Services. In case of any queries, you may visit www.icicipruamc.com (“Website”) or email at enquiry@icicipruamc.com or call Mutual Fund’s Investor Care number.

In the event of any inconsistency between the information obtained by accessing the Services and the information available on the Website, information given by Mutual Fund’s Investor Care number, the latter shall prevail.

By accessing the Services, you hereby give us consent for (a)sharing information communicated to us or requested from us through App (b) processing your information shared with us (c) sharing of your information with third party for providing requisite services as requested from us. You understand and acknowledge that we will have to send the information you have requested, through App/registered email id of investor to reach it to you. All information provided by you will be considered as true, correct and up to date and final for fetching requisite data/information at our end.

Please also note the following:


1-Access to the Services
Mutual Fund will try to ensure that availability of information by accessing the Services will be uninterrupted and that transmissions will be error-free. However, due to the nature of the platform, this cannot be guaranteed. Also, your access to information by accessing the Services may also be occasionally suspended or restricted to allow for repairs, maintenance, or the introduction of new facilities or services at any time without prior notice.

2-Information on the Services
Mutual Fund shall endeavor to provide accurate responses to the queries raised by accessing the Services, however, the accuracy of the response is not guaranteed. Thus, the information collected by accessing the Services is non-binding in nature. You may raise a request through the Website or or email at enquiry@icicipruamc.com or call Mutual Fund’s Investor Care number for the services/queries that remain unanswered/unresolved. Any information given to you by accessing the Services is strictly confidential in nature.

3-Information on the Services
You agree, undertake and confirm that your access to the Services shall be strictly governed by the conditions that you shall not host, speak out, display, upload, download, modify, publish, transmit, update or share any information which is fraudulent, misleading, abusive, grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, slanderous, criminally inciting or invasive of another’s privacy, hateful, or racially, ethnically objectionable, threatening the unity and integrity of the nation, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatsoever, or unlawfully threatening or unlawfully harassing including but not limited to “indecent representation of women” within the meaning of the Indecent Representation of Women (Prohibition) Act, 1986.

4-Copyright, authors' rights and database rights
All information availed by accessing the Services or any content made available while using the Services, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Mutual Fund, its affiliates or its content suppliers and is protected by copyright, authors' rights and database right laws. You may not systematically extract/ or re-utilise parts of the contents of the Services without Mutual Fund’s express written consent. In particular, you may not utilise any data mining, robots, or similar data gathering and extraction tools to extract (whether once or many times) for re-utilisation of any substantial parts of these Services, without Mutual Fund’s express written consent unless otherwise applicable. You may also not create and/ or publish your own database that features parts of these Services without Mutual Fund’s express written consent unless otherwise applicable. You agree not to copy, modify, transmit, create any derivative works from, or make use of, or reproduce in any way any copyrighted material, trademarks, trade names, service marks, or other intellectual property or information accessible through the Services. You agree to not remove, obscure or otherwise alter any notices appearing on any content made available while using the Services, including copyright, trademark and other intellectual property notices.

5-Indemnity
You shall indemnify and hold harmless Mutual Fund, its subsidiaries, affiliates and their respective officers, directors, agents and employees, from any claim or demand, or actions including reasonable attorney's fees, made by any third party or penalty imposed due to or arising out of your breach of these Terms or any document incorporated by reference, or your violation of any law, rules, regulations or the rights of a third party.

6-Governing law and jurisdiction
These Terms are governed by the laws of India. Any action, suit, or other legal proceeding, which is commenced to resolve any matter arising under or relating to access through the Services, shall be subject to the jurisdiction of the courts at Mumbai, India