Terms and Conditions

R9 Wealth Management Services Agreement

Date of last revision: Jan, 01, 2026

This Services Agreement (“Agreement”) is made and entered into:

Between

1. R9 Wealth India Private Limited, having its principal place of business at 01-041, First Floor MGF Metropolis Mall MG Road, Sector 28 Gurugram – 122002 India (hereinafter referred to as “Amoolya by R9 Wealth”)

And

2. You (hereinafter collectively referred to as “Client” or “You”). If you are entering into this Agreement on behalf of a legal entity you represent that you have the authority to bind such entity to these terms and conditions, in which case the term “Client” or “You” shall refer to such entity.

Whereas:

1. R9 WEALTH is engaged in providing a host of wealth management services as set out under Annexure 1 to this Agreement (“Services”) in accordance with applicable law.

2. You wish to utilise the Services of R9 Wealth. For the purposes of this Agreement, the “R9 Wealth” means and refers to the following entities:

R9 Wealth India Private Limited, an AMFI registered Mutual Fund Distributor bearing ARN-334421 engaged in providing Mutual Fund distribution and allied financial services

NOW, THEREFORE, for and in consideration of the mutual promises, benefits and covenants contained herein, R9 Wealth and You hereby agree as follows:

I. Using Our Services

A. You may make use of our Services through our online web portal, mobile app; other online mechanisms and through interaction with our relationship managers, Investment Managers, Service Manager as the case may be.

B. R9 Wealth complies with all regulations and compliances as per Indian law. If you are accessing our Services from any jurisdiction outside India, the onus of compliance with the local laws lies on you.

C. Some of the Services, provided by us or our Service Partners, may have restrictions on use depending on criteria such as, but not limited to, your place of residence, nationality, age, wealth, source of income/wealth etc. You agree to provide accurate information for us and our Service Partners to comply with such restrictions.

D. If you have provided us with your contact details, such as email or phone number, we may send you announcements, messages or information on our Services and how to use them. You may opt out of some of these messages unless they are necessary for the delivery of Services; for compliance with regulations; or, for information security.

E. You agree that in the event the Services rendered by R9 Wealth under this Agreement are availed by multiple persons, then, Client 1 will be designated as the primary contact and appointed as the single point of contact.

F. Your clicking on the “I accept” checkbox is the legal equivalent of your signing this Agreement.

G. Please don’t misuse, disrupt, interrupt, destroy or limit the functionality of our Services.

II. Identity & Authentication

R9 Wealth will establish your identity on its online Services by means of a phone number or email and will authenticate it by either a password selected by you, or a one-time password (OTP).

III. Distribution services with respect to capital market

a. You may need to meet certain threshold requirements.

1. Terms of Distribution Services, as set out in Annexure 2 shall apply.

IV. Third Party Service Partners

R9 Wealth may utilise third-party service partners for services such as portfolio management, investing, insurance, etc.

R9 Wealth shall not be liable for any penalties, loss or damage incurred due to negligence of such partners.

V. Provision of Services

You acknowledge and agree:

R9 Wealth shall fulfil regulatory obligations
Login credentials are your responsibility
R9 Wealth may use third-party vendors
Communication may be recorded
Graphical representations are not guarantees
Services are provided “as is”

VI. Electronic Records & Communication

R9 Wealth provides multiple channels to communicate, including email, chat, and app notifications.

VII. Privacy and Data Protection

Personal data may be collected and processed
Data may be shared with service partners
Security measures are implemented

VIII. Use of Google Analytics

R9 Wealth uses analytics tools to improve services and user experience.

IX. R9 Wealth Charges

Services may include fees
Charges are disclosed transparently
Applicable taxes apply

X. KYC and Onboarding

KYC is mandatory
Identity verification required
Regulatory compliance must be met

XI. Risk Profiling and Investment Advice

Investments carry risk
Returns are not guaranteed
Decisions are client responsibility

XII. Grievance Redressal

Clients may raise complaints via official channels.

XIII. General Provisions

Agreement governed by Indian law
Disputes subject to jurisdiction
Terms may be updated