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Terms & Conditions

By accessing www.lifeguardadvisory.com and registering with our services offered by www.lifeguardadvisory.com by accepting you are bound to the terms and conditions, all applicable laws and agree that you are responsible for compliance with any local laws. If you do not agree any of these terms you will be prohibited from using www.lifeguardadvisory.com

The content of the website www.lifeguardadvisory.com is protected with applicable copyright and trademark law and its intellectual property solely belongs to www.lifeguardadvisory.com, you cannot copy and distribute any information, entire content, design, look and feel without explicit consent from www.lifeguardadvisory.com.

Terms :

Your age is above 18 and you have necessary authentication in case you are using it on behalf of minor.
You have read, understood below service agreement. (. This agreement is sent to you along with the Investor Application Form. You are required to sign and return the Investor Services Agreement to us.)
This document is a legal contract between you and www.lifeguardadvisory.com. It will be considered that you are agree with these terms when you click “I agree”, or access, install our services.

Investor service agreement:

I have applied for an investment account after understanding the nature and scope of services provided by www.lifeguardadvisory.com

1) www.lifeguardadvisory.com duties and obligations to provide:

Investment advise to grow your wealth through mutual fund as well as other asset classes.
Execution of funds where www.lifeguardadvisory.com will transmit fund information to Exchanges, that may be BSE/NSE or any other transaction platform.
www.lifeguardadvisory.com will keep and maintain your personnel information.

2) Investor duties and obligation:

Investor should use his own bank account for any transaction and in any other case it should be from legimate source.
keeping log in credentials confidential is a explicit responsibility of investor. Should intimate www.lifeguardadvisory.com in the case of any unauthorized use is suspected.
investor should read all scheme related information and understand the risk associated with it.
Before investing through www.lifeguardadvisory.com, investor will seek independent financial advise.

3) I acknowledge and agree that:

My account will be activated after verifying my personnel information through KRA, and I am abide to provide correct information.
ALL authentications/transaction from my credentials or from My registered E-mail id are treated as origanated by me.
As far as possible, my instructions will be processed the same business day if received before the cut-off time(s) specified by Exchanges. Authorised and complete transactions shall be processed at the applicable Net Asset Value (“NAV”) as may be accepted by the respective Exchanges. In case of all mutual fund purchases equal to or above Rs 200,000 (other than liquid schemes), the NAV applicable will be the closing NAV of the day on which the funds are available for utilization. However, for purchases below Rs 200,000 made before the cut-off time, the same-day NAV will be applicable. AMCs are not obliged to accept my application for subscription to units of their mutual fund schemes in part or in full.
consent to mywebsite.com, the AMCs and/or Registrar and Transfer Agents (RTAs) for sharing/exchanging between themselves information related to my KYC and all other details procured from KRA as well as transactions data feed/portfolio holdings/NAV etc. (in respect of my investments under Direct Plans of all Schemes ("reverse feeds").)
For NACH/ECS mandate, it may be lag between date of debit from my bank with request submitted by www.lifeguardadvisory.com
www.lifeguardadvisory.com holds the right to discontinue your services and transaction if required to comply with any legal or regulatory authorities under any law.
www.lifeguardadvisory.com may revise the Terms of Service at any time by updating the terms. My continued use of services will imply my acceptance of these changes.

4) www.lifeguardadvisory.com is not responsible for:

Any loss, notional or otherwise, and variances in values incurred on account of:

Delays and processing time at the Bank, Registrar & Transfer Agency or AMC;
Rejection of my instructions by the Bank, Registrar and Transfer Agency or AMC;
processing of instructions authenticated by my login credentials;
Non-availability or non-accessibility of the website, telephone(s), or office(s) of www.lifeguardadvisory.com in case of circumstances beyond youwebsites.coms’ control.

5) If you are a Non- Resident Indian

In addition to the above, you agree and confirm that:

Any offering, advice, recommendation or transaction at www.lifeguardadvisory.com does not constitute an offer to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.
You are Non-Resident(s) of Indian nationality/origin and that funds for purchases are remitted from abroad through approved banking channels or from funds in your NRE/NRO/FCNR account in India.
You are not resident/incorporated under the laws of the United States of America (USA), Canada or any Financial Action Task Force (FATF) declared non-compliant country or territory.
As a user of the website from any country other than India, you understand that use of www.lifeguardadvisory.com may be a potential violation of laws in such countries. You are solely responsible for compliance with foreign and local laws in your country of residence or citizenship.
You agree that you are solely responsible for any liability incurred in this regard and will indemnify www.lifeguardadvisory.com for any liability www.lifeguardadvisory.com may incur in any foreign jurisdiction as a consequence of the citizens/residents of countries other than India using the service.

Links

www.lifeguardadvisory.com has not reviewed all of the sites linked to its Internet website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by www.lifeguardadvisory.com of the site. Use of any such linked website is at the user's own risk.

Revisions and Errata

The materials appearing on www.lifeguardadvisory.com's website could include technical, typographical, or photographic errors. www.lifeguardadvisory.com does not warrant that any of the materials on its website are accurate, complete, or current. www.lifeguardadvisory.com may make changes to the materials contained on its website at any time without notice. www.lifeguardadvisory.com does not, however, make any commitment to update the material.

Disclaimer

The materials on www.lifeguardadvisory.com's website are provided "as is". www.lifeguardadvisory.com makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, www.lifeguardadvisory.com does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet website or otherwise relating to such materials or on any sites linked to this site.

Sebi caution:

Mutual fund investments are subject to market risks.

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Disclaimer of Warranties

You expressly agree the use of the service is at your sole risk. The service is provided on an "as is" and "as available" basis. lifeguardadvisory.com expressly disclams all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement . onboarding.ecrwealth.com makes no warranty the services will meet your requirements, or the services will be uninterrupted, timely, secure, or error free. Nor does lifeguardadvisory.com make any warranty as to the results that may be obtained through the service or that defects in the software will be corrected. You understand and agree any material and/ or data downloaded or otherwise obtained through the use of the service is done at your own discretion and risk and you will be solely responsible for any damage to your computer systems or loss of data that results from the download of such material and/ or data. lifeguardadvisory.com makes no warranty regarding any goods or services purchased or obtained through the service or any transactions entered into through the service. No advice or information, whether oral or written, which you obtain from lifeguardadvisory.com or through the service shall create any warranty not expressly made herein.

You acknowledge that lifeguardadvisory.com site may contain links to other web sites operated by third parties ("linked sites"). You acknowledge that, when you click on a link to visit a linked site, a frame may appear that contains the lifeguardadvisory.com logo, advertisements and/ or other content selected by lifeguardadvisory.com. You acknowledge that lifeguardadvisory.com and its sponsors neither endorse nor are affiliated with the linked site or any link contained in a link site, or any changes or updates to such sites. You also acknowledge that lifeguardadvisory.com is providing these links to you only as a convenience.

lifeguardadvisory.com does not endorse in anyway any advertisers/ contents of advertisers on its webpages. Please therefore verify the veracity of all information on your own before undertaking reliance and actioning thereupon. lifeguardadvisory.com shall not be responsible nor liable for any consequential damages arising on account of your relying on the contents of the advertisement.

This site is the responsibility of www.lifeguardadvisory.com

We want you to

Feel comfortable using our web sites
Feel secure submitting information to us
Contact us with your questions or concerns about privacy on this site
Know that by using our site you are consenting to the collection of certain data

What Information is, or may be, collected from you?

We will collect certain anonymous information in standard usage logs through our Web server, including: computer-identification information obtained from "cookies," sent to your browser from a

Web server and stored on your hard drive
An IP address, assigned to the computer which you use
The domain server through which you access our service
The type of computer you're using
The type of web browser you're using

We may collect the following personally identifiable information about you:

Name
Email address
ZIP/Postal code
Demographic profile (like your age, gender,occupation and education);
Financial information (like annual income or insurance policy number); and
Opinions of features on our websites.

Who collects the information?

We will collect anonymous traffic information from you when you visit our site

We will collect personally identifiable information about you only as part of a voluntary registration process.

Our advertisers may collect anonymous traffic information from their own assigned cookies to your browser

The Site contains links to other Web sites. We are not responsible for the privacy practices of such Web sites

We offer a collection of online services which are available to you. Please understand that any information that is disclosed in these areas becomes public information. We have no control over its use and you should exercise caution when disclosing your personal information to anyone

How's the information used?

We use personal information to:

Help us provide personalized features
Tailor our sites to your interest
Get in touch with you when necessary

We use contact information internally to:

Direct our efforts for product improvement
Contact you as a survey respondent
Notify you if you win any contest; and
Send you promotional materials

Generally, we use anonymous traffic information to:

Remind us of who you are in order to deliver to you a better and more personalized service from both an advertising and an editorial perspective
Recognize your access privileges to our Web sites
Make sure that you don't see the same ad repeatedly
Help diagnose problems with our server
Administer our Web sites
Track your session so that we can understand better how people use our sites

With whom will your information be shared?

We will not disclose any of your personally identifiable information to third parties unless:

We have your permission
Special circumstances such as compliance with legal authorities
Require disclosure

We will not use your financial information for any purpose other than to provide services to you.

What choices are available to you regarding collection, use and distribution of your information?

Supplying personally identifiable information is entirely voluntary. You are not required to register with us in order to use our site. However, we offer some services only to visitors who do register.

Upon request, we will remove your personally identifiable information from our database, thereby canceling your registration.

If we plan to use your personally identifiable information for any commercial purposes, we will notify you at the time we collect that information and allow you to opt-out of having your information used for those purposes.

All sites that are customizable require that you accept cookies. You also must accept cookies to register as someone for access to some of our services. e.g Online Portfolio. For information on how to set your browser to alert you to cookies, or to reject cookies, go to http://www.cookiecentral.com/faq/.

What security procedures are in place to protect information from loss, misuse or alteration?

To protect against the loss, misuse and alteration of the information under our control, we have in place appropriate physical, electronic and managerial procedures. For example, our servers are accessible only to authorized personnel.

Although we will endeavor to safeguard the confidentiality of your personally identifiable information, transmissions made by means of the Internet cannot be made absolutely secure. By using this site, you agree that we will have no liability for disclosure of your information due to errors in transmission or unauthorized acts of third parties.

Policy Updates

We reserve the right to change or update these policies at any time upon reasonable notice, effective immediately upon posting to this site.