Compliance & disclosures

By using this website, you agree to these Terms. If you do not agree, please do not use the site.

Nature of our services

Team Gullak LLP is an AMFI Registered Mutual Fund Distributor (ARN-175698) operating on the SEBI-registered Wealthy platform. We help you access mutual funds and related products and offer guidance on suitability. We are not a SEBI Registered Investment Adviser and do not provide investment advice for a fee. Any guidance we share is general in nature and is not a recommendation to buy or sell a specific security.

Your responsibilities

You agree to provide accurate information, keep your credentials safe, complete KYC as required, and read all scheme-related documents before investing. Investment decisions are yours; please invest only after understanding the risks.

No guaranteed returns

Mutual fund and market-linked investments carry risk. Returns are neither assured nor guaranteed and depend on market conditions. Past performance does not indicate future results.

Commission & fees

As a distributor, we may receive trail commission from Asset Management Companies for investments routed through us. We do not charge you a separate advisory fee. See our Commission Disclosure for details.

Limitation of liability

We are not liable for losses arising from market movements, third-party platforms, or decisions made by you. The website is provided on an "as is" basis.

Governing law

These Terms are governed by the laws of India. Disputes are subject to the jurisdiction of the courts of Raipur, Chhattisgarh.

Amendments

We may update these Terms from time to time. The current version will always be available on this website.

We respect your privacy and handle your personal data in line with the Digital Personal Data Protection Act, 2023 (DPDPA).

Information we collect

Contact details (name, phone, email, city), KYC information where required, and basic usage data from this website.

How we use it

To respond to your enquiries, help you invest, service your account, meet legal and regulatory obligations, and improve our services. We do not sell your data.

Sharing

We share data only as needed with the SEBI-registered platform, AMCs, RTAs, KYC registration agencies, and regulators, or where required by law.

Security & retention

We apply reasonable safeguards to protect your data and retain it only as long as necessary for the purposes above or as required by law.

Your rights

Under the DPDPA you may request access, correction, or erasure of your data, and withdraw consent, by contacting us at teamgullak11@gmail.com.

Cookies

This site may use basic cookies to function and understand usage. You can control cookies through your browser settings.

We earn trail commission from AMCs for investments made through us. This is paid by the AMC out of the scheme and is not an extra charge to you. Direct plans, which do not involve a distributor, carry no such commission.

Indicative trail commission (per annum)

Actual commission varies by AMC, scheme slab, investor location (T30/B30) and AUM, and is subject to SEBI and AMFI regulations. These figures are indicative only.

Our commitment

Commission never drives our guidance. We suggest options based on your goals and suitability, not on what pays us more.

Objective

To shortlist mutual fund schemes on consistent, transparent criteria so that suggestions are tied to your goals rather than to any single AMC.

How we shortlist

We consider factors such as the scheme’s mandate and category, long-term risk-adjusted performance across cycles, portfolio quality, expense ratio, fund-house track record and process, and the scheme’s fit with your goal and time horizon.

Exclusion criteria

Schemes may be excluded for persistent underperformance versus peers and benchmark, excessive concentration or undue risk, or a mismatch with your stated goals and risk comfort.

Suitability

Every suggestion is mapped to your goal, timeline and comfort with risk. A scheme suitable for one investor may not suit another.

Conflict of interest

We do not favour any AMC in return for higher commission. Selection is driven by suitability and merit.

Our commitment

We aim to resolve every concern promptly and fairly.

How to lodge a complaint

Write to our Grievance & Redressal Officer, Birendra Sharma, at teamgullak11@gmail.com or call +91 91099 56902. Please include your name, contact details and a description of the issue.

Timelines

Where coordination with an AMC or RTA is needed, we will keep you updated. All complaints are logged and tracked until closure.

Escalation

If you are not satisfied with our resolution, you may escalate to:

• SEBI SCORES — scores.sebi.gov.in
• SMART ODR — smartodr.in

Regulatory

AMFI & investor awareness

Your rights

• To receive fair, transparent guidance and clear information on products.
• To hold investments in your own name, and to receive statements and confirmations.
• To choose direct plans, and to be told about commission arrangements.
• To have complaints addressed within the stated timelines.

Your obligations

• Provide accurate details and complete KYC.
• Read scheme documents (SID, SAI, KIM) before investing.
• Understand that returns are market-linked and not guaranteed.
• Keep your login and personal information secure.

Do’s and don’ts

• Do invest for clear goals and stay invested through cycles.
• Do keep nominations and contact details updated.
• Don’t invest based on tips or guaranteed-return promises.
• Don’t share OTPs or credentials with anyone.

The information on this website is for general educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security.

Market risk: Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Returns are not guaranteed and vary with market conditions.

Not an Investment Adviser: Team Gullak LLP is an AMFI Registered Mutual Fund Distributor, not a SEBI Registered Investment Adviser. We do not provide advice for a fee.

Insurance: Insurance is the subject matter of solicitation.

Tax: Tax information is general; please consult a qualified tax professional for your situation.

Third-party links: We are not responsible for the content of external websites linked here.

Jurisdiction: Subject to the jurisdiction of the courts of Raipur, Chhattisgarh.

Copyright: All content on this site is the property of Team Gullak LLP and may not be reproduced without permission.