Terms and Conditions

The domain name “www.fikaa.in‟ (hereinafter referred as “website”) is owned and operated by KCL (Keynote Capitals Ltd) a Company incorporated and its registered office at The Ruby, 9th Floor, Senapati Bapat Marg, Dadar (W), Mumbai – 400 028, hereinafter referred to as “FIKAA”. FIKAA is a platform set up for the purpose of, inter alia, making available information on various financial products, including, in particular, Mutual Funds, and for providing investment and transaction processing services to Customers.

FIKAA has a well-established process and robust operations support to facilitate clients to avail Investment advisory services, satisfactorily through its through a “Mobile application - FIKAA” on smartphones (Android & iOS) and such other devices, are all subject to Terms and Conditions.

This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy, and terms of use for access or usage of ‘www.fikaa.in’ and FIKAA App.

These Terms and Conditions shall be in addition to and not in derogation of other terms and conditions relating to the mutual fund portfolio of the user and/or the respective product or the service provided by FIKAA.



The use of this website and /or this app is subject to the following terms and conditions”


The following words and phrases shall have the meanings set out herein below in this document unless repugnant to the context:

“Advisory Services” means investment advisory services as provided by KCL in accordance with the Regulations

“AMC” shall mean Asset Management Company

“AMFI” means the Association of Mutual Funds in India.

“Applicable Laws” means any applicable Indian statute, law, ordinance, regulation, rule, order, by law, administrative interpretation, writ, injunction, directive, judgment or decree or another instrument which has a force of law in India, as is in force from time to time.

“Client” includes an individual, an Indian Resident

“Sensitivity Analysis” means the analysis of the impact on the current portfolio value of assets held by the Client vis-à-vis the Wealth Strategy provided by KCL to the Client under stressed market conditions and evaluation of the Client’s capacity to take the risk under such market conditions.

“FIKAA Application” means the mobile application provided by FIKAA that enables clients to set up or implement portfolios into various financial products, as may be updated or modified from time to time. The application also provides content on Financial products and Personal Finance.

“BSE” shall mean Bombay Stock Exchange of India Ltd.

“NSE” shall mean National Stock Exchange of India Ltd.

“Keynote Capitals ” or “FIKAA” or “us” or “we” or “our” shall mean and refer to KCL and its group companies.

“Business Day” means any day, which is not a Saturday, Sunday or any other public or gazetted holiday as declared by the Government.

“Mutual Funds” refers to a trust set up under the Indian Trust Act, 1882, and is registered with SEBI under the SEBI (Mutual Funds) Regulations, 1996.

“User”, “you”, “your” means any person or user (lead or prospects) or registered user or registered clients (Clients) who views, browses, access or uses our websites or this app for the purpose of obtaining wealth management services offered by FIKAA through this App.

“Force Majeure Event” means any event due to any cause beyond the reasonable control of FIKAA, KCL including without limitations, unavailability of any communication systems, breach or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.

“RBI” shall mean Reserve Bank of India

“SEBI” shall mean Securities and Exchange Board of India

“Website” or “FIKAA” means and includes www.fikaa.in and FIKAA mobile application accessed through or downloaded through the link sent by SMS in the client’s registered mobile, which might be used or accessed at any other platform where the website can be accessed from on mobile phones, tabs, and such other devices, like mobile application (whether or not on android or IOS) or any other platform. This website is maintained by Keynote Capitals Ltd.

“RTA” shall mean Registrar and Transfer Agent.

“Registered User” or “Registered Customer” shall mean and include the users or client who has Investment Account with FIKAA to avail of the Services or any part thereof, as provided on the Website.

“SIP” shall mean Systematic Investment Plans

“NAV” shall mean Net Asset Value

“MFD” shall mean Mutual Fund Distributor

“Investment Account” shall mean the trading account opened with KCL or the account created by the client on the mobile application by the Registered Users of FIKAA, for use of the Mobile App or making investment through the Mobile App.


The words, “him”, “his”, “You”, “Your”, “Client”, “User” “Investor”, “I”, “Subscriber” and “Customer” refer to the person(s) who use and avail the Services and Products of FIKAA and shall include both singular and plural. The Services provided herein are only for Customers who are Indian citizens and tax residents of India.

These terms shall constitute a binding contract between FIKAA and you when you download the App or use its Services on any other platform managed by FIKAA and shall be referred to herein as the “Agreement”. Downloading and installing the App or using the services of the Website or the App shall be deemed to constitute sufficient proof that you have read, understood and accepted these terms.

Without prejudice to any other specific requirement which may be laid out in this TOU, your use of the App / Website and the Services and specifically, your acceptance of these terms as aforesaid shall be deemed to be a representation from you that you are above 18 years of age, or possess legal parental or guardian consent, and are fully able, conscious and competent to enter into this Agreement and make your investment decisions, execute the investment transactions, evaluate the advice, if any, and confirm to abide by and comply with the terms set forth herein.

Website Use:

User acknowledges that in accessing and using the Services offered by FIKAA. User agrees to follow the terms and conditions for the use of FIKAA as may be specified on FIKAA from time to time. Notwithstanding, such acceptance of the FIKAA Terms, the user acknowledges and agrees.

KCL is a Company constituted under the laws of India and registered with the Association of Mutual Funds of India (AMFI) having AMFI Registration No. ARN-4844 enables users to purchase various financial products not limited to units of mutual funds, details of which shall be made available on the Website, from time to time

User Investment Account will be activated after KCL or its group Companies completes the verification process on the personal information provided at the time of enrolment and in accordance with the Know Your Client (“KYC”) guidelines issued by the Securities and Exchange Board of India (“SEBI”).

All contents of, and materials located on, this App or website, including but not limited to the text, images, and other information herein and their arrangement, are protected by copyright, trademark, and other proprietary rights of FIKAA (also includes its group companies). This means that the user shall not without the express written consent of FIKAA distribute the text or graphics to others; “mirror” or include this information on your own server or documents, or modify or re-use the text or graphics on this system.

Also, the user shall not copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer, or in any way exploit any part of any information, content, materials, services available from or through the FIKAA, except that which user may download for personal, non‐commercial use. All copyrights, trademarks, service marks, logos any other marks whatsoever are used for the benefit of their respective owners and are not intended to infringe the trademark of any such person.

The software and hardware underlying the Websites as well as other internet-related software which are required for accessing the Website are the legal property of the respective vendors. The permission given by FIKAA to access the Websites will not convey any proprietary or ownership rights in the above software/ hardware. User agrees that user shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software/hardware underlying the Website or create any derivative product based on the software/hardware.

The data and information provided on the Website do not constitute advice and shall not be relied upon by the user while making investment decisions. User agrees and is aware that access to hyperlinks to other internet sites are at user’s own risk and the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored or endorsed by FIKAA in any way.

Keynote Capitals Ltd has the absolute discretion to amend or supplement any of the FIKAA Website Terms at any time without prior notice for such changes. Any such amendment shall be effective immediately. It shall be Users responsibility to review these Terms and Conditions periodically for any updates/changes. User agrees that the information and assistance provided on the FIKAA Websites are true to the knowledge of FIKAA and should not be construed as investment advice and that Keynote Capitalsshall have no liability for any discrepancy in any such information or assistance.

FIKAA creates an investment account in the MFD route the on BSE Star MF platform and generates a unique UCC (unique client code) for each client. In the event user creates an Investment account offline, the user understands and acknowledges that these Terms & Conditions for use of the Websites will continue to be applicable to the user for the use of the Services.

As long as the User complies with these Terms and Conditions, we grant the user a personal, non-exclusive, non-transferable, limited privilege to enter and use the Website. User acknowledges and understands that use of the Website shall be at your own risk and has the discretion of not using the Website.

In case of Force Majeure events, FIKAA shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of the FIKAA to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event and in such case, its obligations shall be suspended for so long as the Force Majeure event continues.

All information submitted by the user to FIKAA (except for the information which shall be by virtue of its nature, be deemed to be proprietary information of the User) whether through the Websites or otherwise shall be deemed to be the property of FIKAA, and FIKAA shall be free to use any ideas, concepts, know-how or techniques provided by such users at the FIKAA Websites, in any manner whatsoever. Not all the products and services offered on FIKAA’s Websites are available in all geographic areas and the user may not be eligible for all the products or services offered by FIKAA on the Websites. FIKAA reserves the right to determine the availability and eligibility for any product or service.

Availing of Services

Service(s) shall be availed in accordance with the Terms and Conditions mentioned herein. User agrees that FIKAA and/or the mutual fund may at its sole discretion vary the terms and conditions or withdraw any of the facilities provided herein from time to time. User hereby irrevocably and unconditionally grants no objection to FIKAA, Portfolio strategy, and the respective mutual funds.

Risks That Might be Involved

  • Market Risks: Mutual fund investments are subject to market risks. The prices of the securities may fluctuate depending on the performance of the company in whose security the investment is made, the macroeconomic factors, and other reasons. There is a risk of erosion in the value of the investments, including loss of capital, loss of profit, and loss of revenue, due to the market risks.
  • Technical Risks: Financial losses may be incurred due to failure of information, communication, electronic and other systems, malfunction of hardware and software facilities, or poor communication at the Client’s side. We ensure bank-level security at our end. User’s data is encrypted and highly secured with us.
  • Communication Risks: Risks associated with unauthorized access to the information sent electronically by the Client (by electronic mail or using instant message service) in case it was sent unencrypted.
  • Force Majeure: There could be a risk of financial losses incurred asa result of force majeure circumstances, such as hostility, terrorist acts, acts of God, trading halts at financial markets, a sharp decrease of liquidity caused by financial market instability, currency interventions, legislation changes, changes of other parties‟ conditions, etc.
  • Liquidity risk: The fund cannot sell an investment that is declining in value because there are no buyers.
  • Interest rate risk: The value of fixed income securities generally falls when interest rates rise.
  • Currency risk: Investments denominated in a currency other than the Indian rupee. If the other currency declines against the Indian rupee, the investment will lose value.
  • Regulatory risks: Any changes to regulations and rules, including but not limited to Income Tax Act, 1961, Goods and Services Tax, SEBI and RBI, Value Added Tax, etc. could have an impact on the actual return to the Client.


Nothing contained herein shall be construed as conferring by implication, estoppels, or otherwise any license or right under any patent, trademark, or proprietary rights of FIKAA or of any third party.

Except as expressly provided above, nothing contained herein shall be construed as conferring any license or right under any FIKAA copyright.


All information (including without limitation, specifications, descriptions, and prices) appearing in this App/ Website may be revised or withdrawn, in whole or in part, at any time without notice and shall not in any event form or constitute part of an offer or terms and conditions of a contract. By using this App, you agree to any such revisions. FIKAA uses all reasonable skills and cares in compiling the information. However, errors or omissions in the information may occur because of a number of factors that are inherent in any Internet access system and are not within FIKAA reasonable control. These may include, for example, unauthorized access to this service, or the effects of machine, software, or operator error or malfunction in connection with data transmission.

Exclusion of Liability

Visitors to this app assume all responsibility and risk for the use of this app., its subsidiaries, group companies, and affiliates disclaim all warranties, representations, and endorsements, express or implied, with regard to information accessed from or via this app, including but not limited to all express and implied warranties, including warranties of title, merchantability, fitness for a particular purpose, non-infringement, and freedom from computer virus. Do not assume any liability or responsibility for the accuracy, completeness, or usefulness of the information disclosed at or accessed through this app. In no event shall be liable for any direct, special, indirect, punitive, incidental or consequential damages, or any other damages of whatsoever kind resulting from whatever cause, including but not limited to loss of use, loss of profits or loss of data, whether in an action under contract, tort, negligence or strict liability, or otherwise, arising out of or in any way in connection with the use or performance of the information on, or accessed through, this app.

Any advice or recommendation in the App has been made on a general basis without taking into account or considering the investment objective, financial situation, or particular need of any user or reader, any specific person or group of persons. Any reliance on such advice or recommendation is entirely at your own risk. IN ALL CASES, YOU SHOULD ALWAYS SEEK THE ADVICE OF PROFESSIONAL ADVISERS REGARDING THE EVALUATION OF ANY PRODUCT, MUTUAL FUNDS OR OTHER FINANCIAL INSTRUMENT, REPORT, INDEX, ADVICE, and OPINION OR ANY OTHER CONTENT. Any hyperlinks to any other web Apps are not an endorsement or verification of such web Apps and such web Apps should only be accessed at the user's own risk.

Privacy and Policies

Your privacy is important to us. While information is the cornerstone of our ability to provide superior service, our most important asset is our Client's trust. Keeping customer information secure and using it only as our customers would want us to, is a top priority for all of us.

The purpose of this privacy policy is to set out the manner and purposes for which Keynote Capitals will obtain and process your personal information. Keynote Capitals is committed to safeguarding all your confidential information. The following describes our current policies regarding collection, use, and disclosure of your personal information which we receive in the course of you accessing our website and any other services provided through this site. By using this website, you are consenting to the collection and use of your personal information in the way we describe in this policy and our Terms and Conditions.

Privacy and Policies

Obtaining your Personal Information

We may obtain personal information about you when you register to use this website, place an order with us or when you provide feedback about our products or services. Collection of personal information may include information received solicited or unsolicited through the use of the facility provided in the website. These may include and is not limited to, your name and contact details.

Processing your Personal Information

Any personal information collected will only be used by us for providing you with the products and services you requested and for communicating with you. You will be asked to provide information about yourself when you use certain site facilities, in order to complete your request or transaction.

This may include personal information such as your name, email address, mailing address, and telephone number. However, it is sometimes necessary to provide personally identifiable information about you to a third party, business partners, and/or organization that performs services on our behalf.

Such information is only provided in accordance with the law and that our employees, agents, and/or affiliates are required to treat the information confidentially and use it exclusively for the purpose for which it is provided. We do not share your personal information except where permitted by law or for lawful purposes.


Cookies are small files that are often created when you visit a website, and which are stored in the cookie directory of your computer. A cookie often includes an anonymous unique identifier. Cookies do not damage your computer. Each website can send its own cookie to your browser if your browser's preferences allow it, but to protect your privacy your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other sites. You do not have to accept cookies. You can decide if you want to accept cookies by changing the settings on your browser to accept all cookies, reject all cookies, or notify you when a cookie is set.

If you would rather not allow our storage or access to cookies that may contain your aggregate information then you should make appropriate arrangements to deactivate the cookie function on your web browser. Further information regarding the use of cookies, including their deactivation can be found at www.allaboutcookies.org.

FIKAA analyses customer statistics, sales, traffic patterns, and related site information. In order to facilitate this, where possible, our web server may automatically recognize the domain name and email address of users of this website, by using cookies. We also use cookies to operate the shopping cart system in our online trading platforms. We may also collect the domain name and email addresses of visitors to this website and those that communicate with us via email. We may also collect other aggregate information, e.g. information about the pages users access or visit and the transactions they perform there and any other information volunteered by the user, such as survey information and/or site registrations. We can also identify the web browser that the user is using and the way in which the user has accessed our website, e.g. via a particular hyperlink or link contained within a marketing email. The information we collect in this way is used for internal review and improvement purposes, e.g. to improve and/or customize the content, and/or layout of our websites for our users or each individual user. This information is not shared with other organizations for commercial purposes.

LINKS TO THIRD PARTY WEB APPS makes no representations whatsoever about any other web App which you may access through this App. When you access a non-web App, please understand that it is independent of and that has no control over the content on that web App. In addition, a link to a non-web app does not mean that endorses or accepts any responsibility for the content, or the use, of such web App and shall not be liable for any accuracy or quality of any such content. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan horses, and other items of a destructive nature. Makes no representation or warranty as to any third-party products.

Linking to this App

No hyperlinks to the App or any of the internal or subsidiary pages within the App, or framing of any content in the App, shall be made by anyone unless with the prior consent of . Without prejudice to any of its other rights, may upon discovering such unauthorized linking or framing disable such links or frames.

No Objection from User

User accepts that the concept of investment risk and risk capacity explained and agrees to proceed on this basis.

User has reviewed and accepts the information contained within the Wealth Strategy and understands the assumptions associated with it.

User acknowledges and accepts that all information provided is complete and accurate to the best of user’s knowledge. This includes all information that may be provided by user to KCL from time to time, including but not limited to contact information, address and tax-related information, or any other information required under existing or future KYC or other norms and laws, may be shared by KCL with the regulatory authorities/mutual funds/BSE/AMCs/ or their respective authorized service providers, auditors, legal and tax consultants in compliance with the extant legal provisions from time to time.

User agrees that performance is not guaranteed and that all future projections are included simply as a tool for decision-making and does not represent a forecast of the user’s financial future.

Users further understand that we need to periodically review the financial situation over time or in accordance with changing macro conditions or any material changes in personal circumstances.

User hereby agrees and accepts that the Action plan has been presented to them.User hereby agrees to implement the Action plan through Keynote Capitals associate companies after agreeing to various Terms & Conditions, Risks, Disclosures, and Disclaimers.

The user shall read all the scheme-related documents before making any transaction.

To forward user transaction data and requests to the respective mutual funds/BSE with respect to the instructions and orders of sale, purchase, transfer, splitting and consolidation of various financial products, including units of mutual funds.

To obtain and forward to the BSE/AMC and/ or stock exchange and /or other financial products, its Authorized Registrar user’s information as available in the KYC records, including user signature(s).

User agrees that such records may be used by the BSE/AMC/Authorised Registrar for authorizing the transactions that may be submitted by the user in physical/offline mode.

To contact the user regarding matters pertaining to the operation of user account including, but not limited to, servicing of users requests, communication of special offers, new product launches, product recommendations, and permission to send SMS and emails to the customer, which includes OTP & Transaction messages. This consent will override any registration for Do Not Call (“DNC”) / National Do Not Call (“NDNC”).

Purchase requests made through the BSE Mutual Fund platform shall be processed by the respective mutual funds only after funds sufficient to cover the purchase price and other costs and charges have been received by the respective mutual funds. Payment towards the purchase price and other costs and charges shall be made by the registered customers payment gateway or other electronic means. If for any reason the mutual fund is unable to allow a transaction for purchase or redemption of the full quantity of units such as transacted by a registered customer through the online technology platform ,the respective mutual fund shall be entitled to process a lesser quantity of units being purchased or redeemed (as the case may be) by such Registered customer. In such a case neither FIKAA nor its associates shall be responsible for the non-execution of transactions for the entire quantity or the remaining quantity of units.

User agrees and acknowledges that any transaction done or purported to be done by the user on a business day would be processed on the next business day. The user will be allotted Mutual Fund units by the respective AMC based on the NAV applicable on that business day. This will be applicable to switch and redemption transactions also. User also acknowledges that any transactions done on a holiday would be processed on the next business day and the NAV would be applicable as per the respective scheme related documents and FIKAA shall in no way be responsible or held liable for any delay thereof, including for loss of interest and/or opportunity loss and/or any loss arising due to movement in NAV or any other losses, liabilities, damages, costs, charges, expenses which the investor(s) may sustain, incur or suffer or be put to or become liable or incur directly or indirectly by reason or as a consequence of any delay thereof User acknowledge that the units of the scheme shall be allotted, redeemed or switched, as the case may be, by the respective mutual funds at the applicable NAV of the concerned mutual fund scheme as provided by mutual funds and consistent with the terms of the Scheme. However, FIKAA shall not be liable for any loss that may arise to the user as a result of the incorrect NAV applied on units allotted to a user by the mutual fund.

The user acknowledges that transactions once placed cannot be cancelled. However, users can withdraw money by redeeming the mutual fund units upon such withdrawal, the settlement amount towards the mutual fund or the units of Mutual fund shall be credited to the registered account of the user within 3-4 bank working days. User acknowledges that any directions pertaining to all transactions including withdrawal, STP, and switch transactions provided by the User from its Registered User account shall be deemed to be considered as the bonafide order placed by the User.

The AMFI Registration Number (“ARN”) holder has disclosed to the user all the commissions (in the form of trail commission or any other mode), payable to ARN holder for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to users in the website User agree to comply with KYC (Know your Client/Customer) and KRA requirements as required under SEBI (KYC Registration Agency) Regulation 2011, SEBI Act 1992, Prevention of Money Laundering Act, 2002, all laws and regulations including but not limited to the Foreign Exchange Management Act, Reserve Bank of India (RBI) guidelines, to the extent applicable for availing the FIKAA services.

User acknowledges that dealing through the FIKAA Investment Account will be at your own risks. You shall solely be responsible to evaluate all the risks arising out of the same.

User further agrees that FIKAA shall not be held liable for any losses, damages, expenses, costs, liabilities and claims of whatsoever nature caused by fraudulent or unauthorized use or access of user information, and/or signatures.

Online Payment – Payment Gateway Terms

The fund’s transfer for the purchase of units of mutual funds will be done by using an electronic payment gateway facility  ( “ Electronic Payment Gateway”), through a third party  payment gateway service provider registered with the Reserve Bank of India. Users cannot use or permit the use of the Electronic Payment Gateway or any related services for any illegal or unauthorized purposes.

Users shall utilize the Electronic Payment Gateway at their own risk. These risks would include but not be limited to the following risks and FIKAA disclaims all liability and responsibility for any claims, losses, damages, and costs of whatsoever nature arising due to such risks.

Technology Risks:

The technology for enabling the transfer of funds and the other services offered by the Electronic Payment Gateway and FIKAA could be affected by viruses or other malicious, destructive or corrupting code, program, or macro. The site of FIKAA or the bank may require maintenance and during such time it may not be possible to process the user request. This could result in delays in the processing of transactions/payment instructions or failure in the processing of transactions/payment instructions and other such failures and inabilities. User understands that FIKAA disclaims all liability, whether direct or indirect, whether arising out of loss of profit or otherwise arising out of any failure or inability by a bank/mutual funds/AMCs to process any transaction/payment instructions for whatsoever reason. FIKAA shall not be responsible in any manner whatsoever for any of the aforesaid risks.


FIKAA may from time to time impose maximum and minimum limits on funds that may be transferred by virtue of the payment transfer service given. The user realizes, accepts, and agrees that the same is to reduce the risks of the user. User shall be bound by such limits imposed and shall strictly comply with them.

Authentication of the Transaction:

Users are authorized to make transactions only with and from the bank account(s) registered on the Website. Banks have all the right to cancel, reject and/or unauthorized the transaction made by the user, from any other account, details of which is not registered or provided to FIKAA. Such payment which is rejected by the banks shall be notified or intimated to the user, in the morning of the next business day.

Transaction Verification:

  • FIKAA: Transaction will be rejected in case of the bank account through which the payment is made, is not registered with FIKAA;
  • AMC: Finally, rejection could be made by the AMC, upon receiving the transaction details.
  • Withdrawal of Facility: FIKAA shall be entitled to withdraw this service at any time without assigning any reason whatsoever.

Internet Trading Disclaimer

The Internet is, due to unpredictable traffic congestion and other reasons, an inherently unreliable medium of communication and that such unreliability is beyond the control of the platform. You acknowledge that, as a result of such unreliability, there may be delays in the transmission and receipt of Instructions and other information which may result in delays in the execution of Instructions and/or the execution of Instructions at prices different from those prevailing at the time the Instructions were given. You further acknowledge and agree that there are risks of misunderstanding or errors in any communication and that such risks shall be absolutely borne by you. You acknowledge and agree that it will not usually be possible to cancel an Instruction after it has been given.

FIKAA account may be susceptible to a number of frauds, misuse, phishing, hacking and other actions, which could affect instructions sent to KCL/its authorized representatives. There cannot be any guarantee from such internet frauds, phishing, hacking and other actions.

The susceptibility of the FIKAA Account to virus(es) or other malicious, destructive or corrupting codes or programs. You agree that by use of this facility, you shall be deemed to have agreed and accepted all the terms and conditions and such terms and conditions shall be binding on you in the same manner as if you have agreed to the same in writing.

You further agree and acknowledge that the Mutual Fund/Asset Management Company will act only on the electronic transaction data forwarded by FIKAA and will be under no obligation to verify and/or confirm the authenticity of such transactions including the content, source etc. You hereby confirm that you will not hold the Mutual Fund/Asset Management Company liable and/or responsible for any loss/damage that you may incur.

Security Practices to Safeguard your Password

Clients are advised to adopt the following:

  • Do not reveal your password to anyone. Under no circumstances will you be required to reveal your Password to any staff/employee of the FIKAA.
  • Select a unique password that is different from your other personal numbers like your phone or date of birth.
  • Do not use your Password for other web-based services as they may not be secure.
  • Change your Password regularly by using the 'Change Password' feature.
  • Clear your cache and history after each login session. • Always remember to log off.
  • When asked if you want Internet Explorer to store your User ID/Password, always click on 'No'.
  • Do not enter your Password into the computer you are not familiar with, like those in your friend's office, or in an Internet café.
  • Install virus protection software and keep it updated.
  • If you are using wireless network devices, ensure that the transmission is secure.
  • Access your account and transaction history regularly to check the details of your holdings.

Security Advisory – Phishing Scam

Phishing (pronounced “fishing‟) is the act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft.

Common techniques that are used by the phishing fraudsters include, but are not limited to the following:

  • Using false email addresses, logos, and graphics to mislead you into accepting the validity of the emails and web sites;
  • Faking domain names to appear representing us;
  • Duping users into providing personal details through one or more methods such as hyperlinks to fake websites or embedded forms in emails

Customers are advised on the following:

  • FIKAA will not make unsolicited requests for customer information through e-mail or on the phone unless it is the Clients who initiated the contact;
  • Under no circumstances will FIKAA staff be asking customers to reveal your Password;
  • Always personally enter the domain www.fikaa.in when logging onto our website. When logging in, always ensure that it is a SSL encrypted connection. This is indicated as https:// in the URL or as a padlock in the status bar.
  • Always be on the alert for phony websites and suspicious emails purporting to be from FIKAA if you suspect that you are being phished, please do contact us at +912268266000 immediately

Security Advisory – Spyware Alert

Spyware consists of computer software that gathers and reports information about a computer user without the user's knowledge or consent. These programs monitor user browsing patterns on the Internet, harvest private information (e-mail addresses, passwords, and credit card numbers), and transmit this information in the background to someone else.

Spyware applications are typically bundled as a hidden component of freeware or shareware programs that can be downloaded from the Internet. Sometimes advertised as a means to improve the internet connection speed and gain other benefits, some spyware, when installed, redirect and reroute the internet connections of users through the spyware servers.

You may have spyware in your computer if:

  • You start getting annoying ads popping up on your screen. • Your web browser settings have been changed without your knowledge.
  • You have a new 3rd party toolbar in your web browser which you are finding it difficult to get rid of.
  • Your web browser crashes frequently when you are surfing.
  • Slowdown in the system performance of your computer where computer operations are taking longer than usual.

Clients are advised on the following:

  • Do not download and install software from unknown websites.
  • Refrain from clicking on banners and pop-up ads that entice you with freebies.
  • Install and update anti-spyware software regularly. Perform system scan on your computer to locate, quarantine and delete any spyware in your system.
  • Install a virus protection software and keep it updated with the latest anti-virus signatures.
  • Keep your computer operating system and Web browser current. Perform regular system updates for your operating system.
  • Change your Investment Account password regularly

FIKAA treats online security with utmost importance, and as a precautionary measure, we have been actively blocking traffic to www.fikaa.in or www.keynotecapitals.comthat has passed through redirector/spyware services. If you have at any time been denied access to our website, you may be either intentionally or inadvertently running redirector/spyware software on your computer. In such cases, we urge you to seek professional IT advice or uninstall such software.

Mistakes and Errors:

The filling in of applicable data for transfer would require proper, accurate, and complete details. In the event of the user Account receiving an incorrect credit by reason of a mistake committed by any third party, the concerned mutual fund/AMC or the bank shall be entitled to reverse the incorrect credit at any time whatsoever without the consent of the User. User shall be liable and responsible to accept any such instructions received from the AMC, without questions for any unfair or unjust gain obtained by FIKAA as a result of the same.


CLIENT OR VISITORS OF THIS SITE SHALL INDEMNIFY, DEFEND AND HOLD HARMLESS www.fikaa.in and FIKAA app and Keynote Capitals Ltd ; (including its and their officers, directors, employees, affiliates, group companies, agents, representatives or subcontractors) from any and all claims and losses imposed on, incurred by or asserted as a result of or related to:

(a) your access and use of www.fikaa.in and FIKAA app

(b) any non-compliance by user with the terms and conditions hereof; or

(c) any third party actions related to users’ receipt and use of the information, whether authorized or unauthorized. Any clause declared invalid shall be deemed severable and not affect the validity or enforceability of the remainder. These terms may only be amended in a writing signed by FIKAA. If FIKAA takes action (by itself or through its associate companies) to enforce any of the provisions of this

User Agreement, including collection of any amounts due hereunder, FIKAA shall be entitled to recover from you (and you agree to pay), in addition to all sums to which it is entitled or any other relief, at law or in equity, reasonable and necessary attorney's fees and any costs of any litigation.

This indemnification obligation shall survive these Terms and use of the App.

Function of FIKAA

  • Any information contained in FIKAA brochures or other materials or otherwise communicated by FIKAA shall not be construed as investment advice and that all decisions to purchase or sell units made by user shall be on the basis of personal judgment arrived at after due consideration. FIKAA does not in any manner:
  • Guarantee payments on any units; or
  • Guarantee liquidity of any units; or
  • Make any offer to buy back any units; or
  • Guarantees the redemption or repayment of any units on maturity; or
  • Guarantees the payments of interest or dividend; or
  • Promise, indicate or guarantee any returns; or
  • Guarantee any good delivery
  • subscribe to units of mutual funds on behalf or in name of user or collects payments from user for the units so purchased by user for remitting it further to the AMCs; or
  • receive any account statement from mutual funds/AMCs, on behalf of or in the users name pertaining to the units; or
  • redeem /sell the units held by user or on its behalf or in its name; or
  • unilaterally instruct the mutual fund and/or the corresponding AMCs with regards to nomination/changes in investments plan/any other changes; or
  • sign any document on behalf of or in the name of user for purchase, sale or redemption of units; or
  • collect, receive and / or give receipts and discharges for any sum including dividend, interest or income arising from the units and does not sign and/or endorse dividend and interest warrants on my/our behalf or in my/our name; or
  • Correspond with or gives notice to the mutual fund/AMCs on behalf of or in the name of user, except for transmission of transactions done or purported to be done by user on the online technology platform.
  • FIKAA does not make any promises to the user basis the graphical representation provided on the Website. The data collected from the user to calculate the prospective investments amount and is in relation to the past investment history of the user and shall not be construed as an authoritative advice to the user. FIKAA does not offer any advice and nothing herein or on the FIKAA Website shall be construed as investment advice by user.
  • Any sum invested through FIKAA investment account is not a deposit with FIKAA and is not bank insured. The same is not endorsed or guaranteed and does not constitute obligations of FIKAA or any of the subsidiaries associates or affiliates companies whose role is only as described in the Terms & Conditions. Investments in mutual funds are subject to market risks, including the possible loss of principal amount invested. The value of the units purchased or not purchased will fluctuate. If user redeems the units/shares purchased, user may receive more or less than user has/had paid depending upon NAV of the units in the fund or trust at the time of redemption. Past results are not a guarantee to future performance. Past performance may or may not be sustained in the future.


Any notice or other correspondence addressed by FIKAA to the user may be addressed to the address provided by the users at the time of enrolment. If according to the user there is any discrepancy in the particular or details of transaction or account of a statement then, it shall be the responsibility of the user to intimate the same to FIKAA and to the concerned mutual fund/AMC/authorized registrar of the AMC in writing within 7 (seven) working days of receiving notice thereof, falling which such transaction, statement or account (as the case may be) shall be deemed to be correct and accepted by user and users shall not be entitled to question the correctness or accuracy thereof..

Termination of the Services

FIKAA may terminate the Services by giving 30 (thirty) days prior notice in writing to the Registered Customer provided that the Registered Customer shall not be relieved of obligations hereunder notwithstanding such termination occurs prior to the date on which such termination shall become effective.

Regulatory Caution

Mutual fund investments are subject to market risks, read all scheme related documents carefully.

Governing Law and Dispute Resolution

  • All disputes and differences arising out of, under, or in connection with the Terms & Conditions or anything did hereunder shall be within the exclusive jurisdiction of the courts at Mumbai. The Terms & Conditions are subject to and shall be construed in accordance with the laws prevalent in India.
  • In the event of a dispute between the User and FIKAA on the accuracy of transaction details provided by the User on FIKAA, the transaction logs maintained by the back office of FIKAA will be the only source of data to verify the accuracy of such transactions.

Binding Nature of Above Terms & Conditions

By use of this facility, the user shall be deemed to have agreed to all the above terms & conditions and such terms & conditions shall bind the User in the same manner as if the user has agreed to the same in writing.

Write To Us

If you have feedback or concern, please write to contact@fikaa.in