1. Investor Attention

• KYC is a one-time requirement for participating in securities markets. Once completed through a SEBI-registered intermediary, it is valid across intermediaries.

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

• All information provided is for educational and informational purposes only. While data is compiled with care, accuracy is not guaranteed. VRFS does not guarantee completeness, timeliness, or accuracy of information sourced from third-party platforms or market data providers.

• Past performance does not guarantee future results. Market conditions, regulatory changes, economic variables, and external events can materially impact investment outcomes.

• Investors must not share login credentials, passwords, or OTPs with any person — including VRFS employees, sub-distributors, or representatives.

• VRFS does not offer assured, guaranteed, fixed, or risk-free returns. Such schemes are prohibited under SEBI, IRDAI, and RBI regulations. Any communication, advertisement, or solicitation promising guaranteed returns should be considered fraudulent.

• All transactions must be executed only from the investor’s own bank account directly to the designated issuer/platform. Payments to third-party accounts, personal accounts, or unofficial channels are strictly prohibited.

• Clients must avoid dealing with persons claiming to represent VRFS unofficially, especially via social media or unverified channels. VRFS is not responsible for transactions conducted outside official communication and platform channels.

• VRFS does not solicit funds or request payments into personal accounts or any unauthorised channel.

• Investors must ensure that their contact details (mobile number, email ID, address) are updated with KYC and KRA systems. Incorrect or outdated information may lead to transactional or compliance issues.

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2. Technology Platform & Data Security

VR Financial Services utilizes technology infrastructure provided by RedVision Technologies Pvt. Ltd. (“Wealth Elite”) for investment reporting and transaction facilitation. This includes portfolio reporting, transaction processing, and client dashboard access.

Client data is stored and processed within India under applicable data-protection frameworks, including the Information Technology Act, CERT-In directives, and upcoming DPDP Act standards.

RedVision systems follow SEBI-aligned data privacy and cyber-security standards, including encryption, secured APIs, access controls, audit trails, and periodic vulnerability assessments.

VRFS does not sell, transfer, or rent client data to third parties. Data is shared only with regulated entities such as AMCs, insurers, RTAs, KRAs, and payment intermediaries as required for execution of client-authorised transactions.

Access to client information is restricted and governed by strict internal controls. Only authorised personnel with a need-to-know basis may access client records.

Clients are advised not to share login credentials or OTPs, even with VRFS representatives. VRFS will never request sensitive authentication information.

All digital access and communication must be made only through official VRFS channels, including the VRFS website, RedVision portal, verified WhatsApp Business account, and official email IDs ending with @vrfinserv.com.

Use of VRFS platforms may involve essential and optional cookies, analytics tools (such as Wix telemetry, Sentry error logging, Google Tag Manager on the RedVision portal), and device-level technical data collection strictly for performance, security, and user experience improvement. No financial or personal data is shared with analytics providers.

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3. Compensation & Fee Disclosure

VR Financial Services (“VRFS”) operates solely as a regulated distributor under AMFI, IRDAI, PFRDA, and RBI frameworks.

VRFS does not charge advisory fees, portfolio management fees, or transaction charges.

Compensation is received only through regulated distribution fees / trail commissions, paid directly by AMCs, insurers, banks, and NBFCs.

There are no hidden charges, performance-linked fees, or upfront commissions beyond what is defined under respective regulatory guidelines.

All commissions are disclosed as mandated by AMFI, IRDAI, PFRDA, and RBI regulations. Investors may refer to AMFI’s commission disclosure format, insurer commission disclosures, and relevant regulatory circulars for detailed information.

VRFS does not operate as a SEBI Registered Investment Adviser (RIA); no advisory services are offered. Any discussions, illustrations, or calculations shared are purely educational and indicative.

Clients are responsible for independently assessing product suitability, taxation impact, and risk tolerance.

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4. Investment Risks & General Market Disclosures

All market-linked products (Mutual Funds, Bonds, ETFs, Pension Funds, ULIPs, Market Linked Debentures, etc.) carry inherent risks, including but not limited to:

• Market risk

• Interest-rate risk

• Liquidity risk

• Concentration risk

• Credit/default risk

• Volatility risk

• Inflation risk

• Regulatory and tax changes

• Systemic and macroeconomic shocks

Asset values may fluctuate due to external factors beyond the control of VRFS, fund managers, or issuers.

Past data, back-tests, model projections, or historical trends are not indicative of future performance.
 

5. Third-Party Platforms & Responsibility Disclaimer

VRFS uses third-party platforms such as RedVision, BSE Star MF, NSE NMFII, insurance company portals, and RTA systems to process transactions.

VRFS is not responsible for:

• Technical failures on third-party platforms

• Downtime, maintenance, or system outages

• Errors or delays caused by AMCs, RTAs, insurers, KRAs, or payment intermediaries

• Failed transactions due to banking issues, incorrect inputs, or network disruptions

All transactions executed by clients are processed based on timestamps, cut-offs, and rules defined by respective regulators and institutions.
 

6. No Warranty & No Liability

VRFS makes no representations or warranties, express or implied, regarding:

• Accuracy of market data

• Timeliness of NAVs or portfolio values

• Performance of any investment

• Suitability of any product for a particular investor

• Future outcomes or returns

• Under no circumstances shall VRFS be liable for:

• Investment losses

• Market-driven fluctuations

• Errors arising from third-party platforms

• Losses due to misuse of credentials

• Voluntary sharing of OTPs, passwords, or sensitive information by clients

• Cyberattacks on external platforms not controlled by VRFS
   

7. Intellectual Property & Brand Protection

All product names, trademarks, and logos belong to their respective owners.

“VR Financial Services”, “VRFS”, and related branding elements are proprietary assets and cannot be misused, copied, impersonated, or reproduced without written permission.

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8. Client Responsibilities

Clients must:

• Verify all transaction details before submission

• Ensure accuracy of nominee, bank, and KYC details

• Update mobile number, email ID, and address with KRA

• Avoid responding to unofficial messages/ads

• Maintain confidentiality of all login information

• Review scheme documents and riskometers before investing

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9. Fraud Prevention Advisory

Beware of fraudulent entities offering:

• Guaranteed returns

• High-return short-term schemes

• Insider tips

• Unregistered PMS or advisory services

• Requests to transfer funds to personal accounts

VRFS is not responsible for losses arising from fraudulent or unauthorised transactions conducted outside official VRFS systems.

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10. Contact Information

For any query, grievance, or clarification, please contact:
Email: contact@vrfinserv.com

Website: www.vrfinserv.com

Portfolio Portal: portfolio.vrfinserv.com