Compliance & Disclosures

Our Commitment

Advents Wealth ("Advents Wealth") respects your privacy and is committed to protecting your personal data in line with the Digital Personal Data Protection Act, 2023 (DPDPA) and other applicable Indian laws.

Information We Collect

• Identity and KYC data (name, PAN, KYC records, date of birth)
• Contact details (email, phone, address)
• Financial data (bank details, folio numbers, holdings, CAMS/KFintech statements)
• Transaction and website-usage data

Purpose of Collection

• Processing and servicing your mutual fund and other investment transactions
• Completing KYC and meeting regulatory obligations
• Communicating with you about your investments and our services
• Statutory and regulatory reporting

How We Share Data

Your data is shared only with Asset Management Companies (AMCs), Registrar and Transfer Agents (CAMS/KFintech), KYC Registration Agencies, insurers and product partners where you have asked us to act for you, statutory and regulatory bodies, and trusted service providers under confidentiality obligations. We never sell your personal data.

Data Security

We use reasonable technical and organisational measures, including access controls and secure storage, to protect your information from unauthorised access or misuse.

Data Retention

We retain your data for as long as your relationship with us continues and for the period required under statutory record-keeping rules (typically eight years after a transaction).

Your Rights Under DPDPA 2023

• Access your personal data
• Correction and updation
• Erasure, subject to legal retention rules
• Grievance redressal
• Withdraw consent

Cookies

Our website uses minimal cookies for core functionality and basic analytics. You can control cookies through your browser settings.

Changes to This Policy

We may update this policy from time to time. The latest version will always be available on this page.

General Disclaimer

Advents Wealth is an AMFI-registered Mutual Fund Distributor (ARN-74970). Information on this website is provided for general information only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security or scheme.

Investment Risk

Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

No Guarantee of Returns

Past performance is not indicative of future results. No returns are assured or guaranteed by Advents Wealth.

Our Role as a Distributor

We distribute Regular Plan mutual funds and earn trail commission from AMCs. We do not provide investment advice, portfolio management, or any assured-return products. Investors may also choose Direct Plans through AMC platforms.

Other Products

Insurance, PMS, AIF, SIF, bonds, NCDs, MLDs and broking services are offered through registered partners under their applicable regulatory frameworks. Each product carries its own risks and terms, which you should read before investing.

Calculators and Tools

All calculators and tools on this website are for illustration and education only. They use assumed rates and standard formulae; actual outcomes will differ. They are not personalised guidance.

Objective

This policy is prepared in line with SEBI and AMFI guidelines requiring Mutual Fund Distributors to disclose the commission they receive from Asset Management Companies (AMCs), so that investors have full transparency.

How Commission Works

When you invest in a Regular Plan mutual fund through Advents Wealth (ARN-74970), the AMC pays us a trail commission. This is a percentage of the invested amount, paid by the AMC out of the scheme’s Total Expense Ratio (TER) and already reflected in the NAV.

Indicative Trail Commission

Actual commissions vary by AMC slab, investor location (T30/B30), AUM levels and prevailing SEBI regulations.

Key Disclosures

• Advents Wealth receives only trail commission. No upfront, incentive or one-time commission is received from any AMC.
• Investors can see the actual commission paid in their Consolidated Account Statement (CAS) from CAMS/KFintech.
• Commissions are paid by AMCs and included in the TER; they do not increase investor cost.
• We do not accept gifts or non-cash benefits from AMCs that could create a conflict of interest.
• Fund selection guidance is based on objective criteria and is never influenced by commission rates.
• Investors may choose Direct Plans through AMC platforms.

Compliance References

• AMFI Master Circular for Mutual Fund Distributors
• SEBI Master Circular for Mutual Funds
• AMFI Code of Conduct for Mutual Fund Distributors

Objective

This policy explains how Advents Wealth helps you choose mutual fund schemes objectively, so that fund selection stays transparent and aligned with your goals, never with commission.

Selection Process

• Consistency of long-term performance versus benchmark and peers
• Risk-adjusted returns and volatility
• Fund-house pedigree, process and stability of the team
• Expense ratio and portfolio quality
• Suitability to your stated goal and time horizon

Exclusion Criteria

• Schemes with poor or inconsistent long-term track records
• Excessively concentrated or high-risk portfolios unsuited to the goal
• Funds with weak governance or frequent mandate drift

Data Sources

• AMC factsheets and scheme information documents
• AMFI and RTA (CAMS/KFintech) data
• Independent research and rating databases

Suitability Mapping

Scheme choices are mapped to your indicative risk profile and time horizon, gathered through risk profiling and conversations with our team.

Conflict of Interest Declaration

Fund selection guidance is based solely on objective criteria and your suitability. It is never influenced by the commission payable by any AMC.

Our Commitment

We are committed to resolving investor grievances promptly, fairly and transparently.

Grievance & Redressal Officer

How to Lodge a Complaint

• Write to adventswealth@gmail.com or call +91 98927 10110.
• Include your name, folio number (if any) and details of the complaint.
• You will receive an acknowledgement and resolution within the timelines below.

Timelines

Escalation & External Platforms

If you are not satisfied with our response, you may escalate to AMFI, to SEBI through the SCORES portal (scores.sebi.gov.in), or through the SEBI SMART ODR portal (smartodr.in). For insurance complaints, you may also approach the insurer’s grievance cell, IRDAI’s Bima Bharosa portal or the Insurance Ombudsman.

Your Rights

• Receive clear information about schemes, risks and costs
• Receive account statements and transaction confirmations
• Choose Regular or Direct Plans
• Raise grievances and have them addressed in a time-bound manner
• Confidentiality of your personal data

Your Obligations

• Complete KYC and provide accurate, up-to-date information
• Read all scheme-related documents before investing
• Understand that investments carry market risk
• Keep your contact and bank details current

Do’s and Don’ts

Our Obligations to You

• Act with integrity and in your interest
• Disclose commissions transparently
• Provide guidance based on objective, suitability-driven criteria
• Protect your data and resolve grievances fairly

Acceptance of Terms

By using this website and our services, you agree to these Terms & Conditions and to our Privacy Policy and Disclaimer.

Nature of Services

Advents Wealth acts as an AMFI-registered Mutual Fund Distributor (ARN-74970). We facilitate execution of mutual fund transactions and help you choose suitable options. We do not provide investment advice, portfolio management, or assured-return schemes. Other products are facilitated through registered partners under applicable regulatory frameworks.

Your Responsibilities

You are responsible for providing accurate information, completing KYC, and reading all scheme-related documents before investing.

No Guaranteed Returns

Mutual fund investments are subject to market risks. Returns are not guaranteed and past performance does not indicate future results.

Commission & Fees

We receive trail commission from AMCs for Regular Plans, as described in our Commission Disclosure. This does not increase your investment cost.

Privacy & Data Protection

Your data is handled in accordance with our Privacy Policy and the DPDPA, 2023.

Intellectual Property

All content on this website is the property of Advents Wealth and may not be reproduced without permission.

Third-Party Links

This site may link to third-party websites (AMCs, RTAs, regulators). We are not responsible for their content or practices.

Limitation of Liability

To the extent permitted by law, Advents Wealth is not liable for investment losses arising from market movements or from decisions made by you.

Grievance Redressal

Grievances may be addressed to our Grievance & Redressal Officer, [Grievance Officer Name], at adventswealth@gmail.com or +91 98927 10110.

Governing Law

These terms are governed by the laws of India, subject to the jurisdiction of the courts at Thane, Maharashtra.

Amendments

We may amend these terms from time to time. The latest version will be available on this page.

Regulatory

AMFI

Exchanges & Depositories

Registrars & MF Portals

KYC

Investor Education