Disclaimer and Terms of Use

All ownership rights in and intellectual property rights in respect of content and services offered by CAMS at this site remain vested with CAMS at all times. Display of content on our site does not in any way provide any third party with a claim to ownership or provide the right to copy any of the contents of this site. The contents, functionality and look and feel of this site are the sole property of CAMS and may not be used or duplicated without our consent.

For the sake of visitor convenience, CAMS has provided linkages within our site to third party sites of interest. CAMS acknowledges all rights of respective owners in such sites. CAMS accepts no responsibility for contents of such third party sites linked for visitor convenience.

CAMS will make best efforts to secure the contents of this site against unauthorised access by using reasonable and commercially justifiable security measures. However CAMS accepts no liability at all for any claims arising out of unauthorised access into this site. Certain services provided will cause responses via Email. Email messages are liable to unauthorised interception while in transit or while in your mailbox and CAMS accepts no liability for such unauthorised interception or access. Because of communication issues, it is possible that this site may not be current or online on occasion and accordingly CAMS makes no warranties as to the accuracy or timeliness of the data available on the site.

CAMS strongly recommends that no investment and transaction decisions be based on contents of this site and instead be based on physical copy of statements, information, literature and/or any other material etc. obtained by post. CAMS accepts no direct or consequential liability for any losses arising from information provided on site. Links to other sites are provided merely as a matter of convenience, and CAMS does not monitor and is not responsible for the contents, quality and accessibility of sites accessed through such links.

CAMS provides various services on this site principally in its capacity as Service Providers to its Mutual Fund and other clients. The scope, delivery and accuracy of the services provided are subject to instructions issued to CAMS by its various clients from time to time. At its own discretion, CAMS reserves the right to alter, suspend, limit or withdraw any or all of the services available on this site in respect of one or all users at any time with prior notice of one working day. Excessive or inappropriate or competitive usage of this site may cause individual visitors or groups of visitors to be barred from the site and its services.

Certain services, such as Account Information and Maintainance services are dependent on a secure and continuous connection to the database. CAMS makes no warranties whatsoever that such connection will always be available as the connection is provided by parties over the actions of whom CAMS may have no control. CAMS reserves the right to suspend these services if in its opinion security of the site or of the data could be compromised.

Where a transaction has been submitted to this site and an acknowledgement displayed on screen, the site visitor is advised to keep a printed copy of the receipt for future reference. The date, time, value and other matters displayed on the confirmation screen and registered in our database are final and CAMS will proceed to make database changes per the transaction request. In case of dispute, CAMS' electronic log of the transaction shall be binding on site visitors. All dates and times displayed are Indian Standard Time unless otherwise stated on screen.

While various services provided through the Website are not currently charged for, CAMS reserves the right to institute a fee for any or all of these services at any time.

CAMS welcomes the creation of hyperlinks to its website and will be pleased to know your website address if you wish to have it linked to CAMS' website. Unless otherwise approved by CAMS, all links to CAMS's website shall be connected to the front page of CAMS' website. Thus, only the name and website address of CAMS, http://www.camsonline.com, shall be displayed.

If you wish to link an external website to a specific page of CAMS' website, you must first obtain the prior written approval of CAMS which may be given subject to conditions. CAMS will assess each request on a case-by-case basis. CAMS has the sole discretion to determine the way in which the hyperlink is to be structured and how the name of the specific page of CAMS's website and logo of CAMS should be displayed.

CAMS is not obliged to establish a reciprocal link to your website following the establishment of a hyperlink from your website to CAMS' website unless CAMS consents to do so.

CAMS is not responsible for the setup of any hyperlink from a third party website to that of CAMS, hence any hyperlinks to CAMS' website shall not constitute or be construed as any form of co-operation with CAMS or endorsement by CAMS of a third party website. CAMS and/or its subsidiaries are not liable for any loss or damage incurred or suffered by you or any third party arising out of, in connection with or as a result of any such links.

Some pages of CAMS' website may contain hyperlinks to third party websites or web pages. Use of these hyperlinks to any external website or web page is at your own risk. CAMS and/or its subsidiaries are not responsible for the contents of or any of the information on or any broken link to any website linked with CAMS' website.

The inclusion of any link does not imply endorsement by CAMS and/or its subsidiaries of the linked sites and CAMS and/or its subsidiaries and associates are not liable for any loss or damage incurred or suffered by you or any third party arising out of, in connection with or as a result of any access to or interaction with any other websites via CAMS' website.

CAMS and/or its subsidiaries reserve the right to seek all remedies available at law for breaches of any of the above terms and conditions. CAMS reserves the right to revise the terms and conditions set out below without prior notice.

This site does not purport to provide investment advice or to sell units of any of the Mutual Funds mentioned herein. All purchases and sales of Mutual Funds must be carried out by investors through a registered distributor or agent, and after careful perusal of the offer document and risk factors associated with each Scheme.

Please do not use the services of this site if you disagree with any of these terms and conditions of use.

Our Cookie Policy

Cookies are small text files that are sent to and stored on your computer, smart-phone or other device for accessing the internet, whenever you visit a website. Cookies are useful because they allow a website to recognize a user's device. The cookies we use are completely safe. In fact, many of them are used purely to provide important security features such as protecting your data and your accounts.

We use ‘analytics’ cookies to help us make our website better for those who visit it regularly. They help us work out what users like and don't like and how we can improve things for you. When we include links to other websites, please bear in mind they will have their own privacy and cookie policies that will govern the use of any information you submit. We recommend you read their policies as CAMS is not responsible or liable for their privacy practices.

We use cookies to give you the best possible experience on our website. Cookies allow you to do many things such as log on to do online transactions, request for account statements, portfolio valuations, IPR reports and a whole lot of customer friendly reports and services that CAMS provides to its registered mail back users and general investors. This helps us 'remember' your log-in preferences, apply for products and services online and use the services available in our website efficiently.

Personal Information Policy

We collect your personal information through our website. We use this information including but not limited to:

  • Personalize your experience and better our responses to match your requirements, wherever possible.
  • Improve our website based on the information about visitor profiles, servicing patterns and what they are looking for etc.
  • To improve customer service by your feedback which help us improve our services and offerings.
  • Use analytics to track the various website traffic patterns, sources of traffic, user preferences, referrals etc and use such an analytics to improve our services and website as a whole.
  • To send periodic emails to email address you provide while making use of the services available in our website. These email IDs may be used to send you information and updates pertaining to your order or request, in addition to receiving periodic news / updates / promotions / related product or services provided by CAMS and its group companies / subsidiaries and also informative and educative material(s) that we deem appropriate.
  • It is our commitment and promise that your email IDs and other personal information you share are very confidential and safe with CAMS.

myCAMS Terms & Conditions

General

By installing the Application (as defined below), you [also referred to as “the User”] are agreeing to be legally bound by the terms and conditions given herein below. Please read the following terms and conditions carefully before installation of the Application and/or acceptance of the following terms and conditions.

Definition

The “Application” [also referred to as myCAMS” or myCAMS application”], shall mean the software provided by M/s. Computer Age Management Services Pvt. Ltd. (“CAMS”) to offer such services, as CAMS may decide from time to time, pertaining to financial and other service transactions relating to Mutual Funds serviced by CAMS/participating Mutual Funds in myCAMS services, to be used on Apple iOS (Apple’s mobile operating system) and Android OS (Android operating system) devices and any upgrades from time to time and any other software or documentation which enables the use of the Application.

Data Protection

Any personal information you supply to myCAMS when using the Application, will be used by CAMS in accordance with its ‘Disclaimer & Terms of Use’ and ‘Data Protection Policy’ mentioned on the website of CAMS viz. http://www.camsonline.com.

Proprietary rights and licence

All trademarks, copyright, database rights and other intellectual property rights of any nature in the application together with the underlying software code are owned either directly by myCAMS / CAMS or by myCAMS’s licensors.

Eligibility

An existing Investor/folio holder of a Mutual Fund serviced by CAMS, who is a Resident Indian Individual and who is KYC (Know Your Client) compliant, having mode of operation / holding of the existing folio as “single” or as “anyone or survivor” and having an email id registered in the folio is authorized to register for myCAMS and to avail the services provided by myCAMS. Depending upon the requirements, CAMS may add / modify the eligibility conditions from time to time at its own discretion.

System Requirements

In order to use the Application, you are required to have a compatible mobile telephone or any other compatible device, internet access and the necessary minimum specifications.

Software Requirements

CAMS shall on a best effort basis support the mobile operating systems such as Android, Apple iOS and Windows. CAMS does not guarantee full compatibility for each type of mobile phone/device display pertaining to size, pixels and its mobile operating system in current or later versions due to the multitude of operating systems and their different functioning caused by specific features. CAMS shall inform about any such updates to the Application through any communication channel owned by CAMS.

Registration

To submit transactions for all folios across mutual funds serviced by CAMS/participating funds in myCAMS, myCAMS Application registration is required and it is allowed based on the email id registered / available at folio level in the respective mutual funds. The Application shall be downloaded from mobile store / through http://www.camsonline.com and logged-in with the provided login credentials subject to the condition that the login credentials are changed upon first login and kept secure by the investors.

CAMS shall endeavor to provide to the User through myCAMS, such services as CAMS may decide from time to time. CAMS reserves its right to decide the type of services, which a category of User may be offered on each account and may differ from category to category.

CAMS at its sole discretion shall add /delete the services offered to the User through myCAMS.

Access to myCAMS application will be restricted

  • if the user allows any other person to have access to myCAMS Application other than the registered user or
  • if the user attempts or permits to attempt accessing the account information stored in the mobile through any unauthorized means.

The User of myCAMS Application grants express irrevocable authority to CAMS to act upon any instruction given by the User through myCAMS application, as may be permitted through the application from time to time and until valid termination of myCAMS application service by the User. CAMS shall have no obligation to verify the authenticity of any transaction(s) received through myCAMS Application or purporting to have been sent by the User via myCAMS other than by means of verification of the login credentials.

The display shown at the time of operation of myCAMS in the mobile phone/device is a proof of record that the operation was made with the use of mobile phone/device and shall not be construed as final record of the transaction. The records maintained by CAMS at its end through computer systems will be deemed as final and conclusive, which will be the binding evidence for all purposes.

In case of folios where mode of holding is “anyone or survivor”, the login details will be sent to the first Unit Holder only and all transactions arising from the use of myCAMS from such folios, shall be binding on all the joint account holders in the folio, and all such holders are deemed to be aware of the entire terms and conditions set forth in this document.

Usage of the myCAMS application shall be in addition to, and not in substitution of, the existing procedure for conducting transactions.

Usage by minors:

myCAMS is not intended for use by minors. The user should ensure that only the guardian of the Minor shall avail this service.

Liability of the User

The User of myCAMS Application accepts to have read and understood the terms and contents of the Scheme Information Document(s), Statement of Additional Information and Offer Documents of the respective Mutual Fund and their Scheme(s).

The User hereby agrees and accepts to the terms and conditions of the respective Mutual Fund for allotment of Units in the Scheme(s) and processing of transactions in the respective Mutual Fund.

The User hereby declares that they are authorized to make the investment, and the amount invested in the Scheme is through legitimate sources and does not involve and is not designed for the purpose of any contravention or evasion of any Act, Rules, Regulations, Notifications or Directions issued by any regulatory authority in India.

The User hereby confirms that the subscription amount is debited from the bank account as registered with the respective Asset Management Company (AMC) and not from any other third party account / fictitious account.

The User hereby understands, acknowledges and confirms that in the event the application for subscription does not comply with the provisions of the Scheme Information Documents (SID), the AMC or Trustees or the Mutual Fund or its Registrar Transfer Agent (RTA) retains the absolute right and discretion to reject and not to process such application, and refund the subscription money without being liable for such rejection.

The User acknowledges that the terms of agreement with your respective mobile phone/device network provider will continue to apply when using the Application. As a result, you may be charged by the mobile phone/device network provider for access to network connection services for the duration of the connection while accessing the Application or any such third party charges as may arise. The User accepts responsibility for any such charges that arise.

The User accepts that transaction instructions entered on non-business days will be processed on the following business day.

The User accepts that the information provided to the User through myCAMS may not be updated on a real-time basis. Consequently, any information supplied to the User will pertain to the date and time when it was last updated. CAMS/ the AMC/participating Funds shall not be liable for any loss that the User may suffer by relying on or acting on such information.

The User accepts that the use of the myCAMS application shall be subject to the terms and conditions of any applicable agreements between CAMS, Service Providers and the AMC/the Mutual Fund and /or the User.

The User understands that the payment for the transaction request shall be through a payment gateway and the AMC/the Mutual Fund/ Trustees/Sponsors/CAMS will not be liable for any failures in the link or for any fraud (either at the payment gateway's end and/or the bank's end) that could take place at the time of making payment and the User undertakes to inform CAMS immediately in case the Unit holder’s bank account is debited but corresponding Units are not allotted to the Unit holder.

Applicable NAV / Cut off timings

The transaction instructions given by the User through myCAMS will get processed at the Applicable NAV based on the cut off time indicated in the SID of the respective schemes of the Mutual Fund. Any transaction request shall be processed by CAMS only on the basis of the date and time of receipt of the transaction by CAMS; as evidenced by the date and time of receipt of the transaction as per CAMS servers and the realization / utilization of clear funds by the AMC/ the Mutual Fund and in accordance with the provisions of the SID of the respective Schemes.

Limitation of Liability

In no event will CAMS or the AMC or the Trustee Company or the Mutual Fund or its Sponsors or their associates or any person connected with it, be liable for any direct, indirect, special, punitive, exemplary or consequential losses or damages of whatsoever kind arising out of your use or access to the Application, including loss of profit or the like, whether or not in the contemplation of the parties, whether based on breach of contract, tort (including negligence) or otherwise.

Indemnity

The User hereby accepts the sole responsibility for maintenance of the password of myCAMS, and CAMS and the AMC, the Trustee Company, the Mutual Fund, its Sponsors, their associates and any person connected with it shall not be held liable for any loss suffered by the User due to disclosure of the password and other personal information to a third party.

The User understands that the User’s mobile phone/device can be misused in the event of loss of the mobile phone/device or it falling in the wrong hands. The User shall not hold CAMS, the AMC, the Trustee Company, the Mutual Fund, its Sponsors, their associates and any person connected with it, responsible for any loss that the User or any third party may suffer due to such circumstances.

The User shall at all times indemnify CAMS, the AMC, the Trustee Company, the Mutual Fund, its Sponsors, their associates and any person connected with it, from and against any and all actions, proceedings, claims and demands whatsoever for or on account of or in relation to any use / misuse of the myCAMS application by the User or any third party using the User’s login credentials, and from and against any and all damages, costs, liabilities, charges and expenses in respect thereof.

The User agrees that any transaction/ information that is entered through myCAMS with the provided login credentials, whether initiated by the User or not, shall be deemed to have originated from the User. The User shall be held liable for all such losses from unauthorized transactions in the User’s folio through myCAMS Application.

The User hereby accepts that in case of any discrepancy or any error in the information in myCAMS, the User shall inform CAMS immediately. CAMS will endeavor to correct the error promptly wherever possible on a best error basis.

Termination of myCAMS Application Service

CAMS may terminate use of the Application at any time by giving notice of termination to the User for such reason as CAMS / the AMC may, in its sole and absolute discretion deem proper.

The User can request for termination of the myCAMS Application Services at any time by giving 15 days prior written notice to CAMS.

The User agrees that the User shall remain responsible for any transactions made on myCAMS Application until the services are terminated.

Governing Law

Any dispute or differences whatsoever arising out of this arrangement shall be governed by the Laws of India. The court of law at Chennai shall have the exclusive jurisdiction over any disputes arising under this arrangement.

CAMS reserves the right to amend/alter or add/delete the clauses in these terms and conditions which will be updated from time to time in http://www.camsonline.com. The User hereby confirms that he is deemed to have read and understood the latest terms and conditions as it exists on the date of usage and binds himself to abide by those terms.

Miscellaneous

The headings in this document are for convenience only and are not intended to have any legal effect nor purport to be complete or accurate descriptions of the content thereof and shall not be used to interpret the provisions of this document

In the event, any of the aforesaid terms and conditions shall be rendered/held to be unenforceable due to any regulatory changes, the remaining terms and conditions shall be unimpaired, and the unenforceable term or condition shall be replaced by such enforceable term or condition as may come closest to the intention underlying the unenforceable term or condition.

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