1. Introduction & Definitions
1.1 Parties
- Punji Baazar (“Company”, “we”, “us”, “our”, “PUNJIBAAZAR.COM”) is the entity that owns, operates, and maintains the website punjibaazar.com. Punji Baazar is led by its Directors, Rahul Sachar (Director & Chief Investment Strategist) and Arun Khetarpal (Director & Capital Allocator).
- You (“User”, “you”, “your”): any individual accessing or using this Website in any capacity — whether as a visitor, registered user, or lead.
1.2 Nature & Purpose of the Platform
punjibaazar.com is a professionally managed investment advisory and wealth management platform. We curate, present, and analyse information pertaining to Portfolio Management Services (PMS), Alternative Investment Funds (AIFs), Mutual Funds, Fixed Income instruments (NCDs), Startup Investments, and Pre-IPO opportunities — to help investors make better-informed decisions. Punji Baazar serves clients across India, the United States, and other international markets.
Punji Baazar does not act as a discretionary portfolio manager or registered investment adviser in any jurisdiction unless explicitly stated. Any display or analysis of historical performance on this Website is provided solely for general informational and educational purposes and does not constitute verification, certification, validation, or assurance of any kind. Users must independently evaluate the accuracy, completeness, and suitability of all information before making any investment or financial decisions.
1.3 Acceptance of Terms
By accessing or using this Website in any manner — including registration, browsing, or submitting an enquiry — you confirm that you have read, understood, and unconditionally agreed to be bound by these Terms & Conditions (“T&C”), our Privacy Policy, our Disclaimer, and any other policies or notices published by us from time to time. If you do not accept these terms in full, you must refrain from using this Website.
2. Nature of Services & Disclosures
2.1 Informational Role
- This Website provides Users with scheme-level data, performance metrics, strategy categorisations, risk analyses, market insights, and related commentary covering PMS, AIF, Mutual Fund, NCD, Startup Investment, and Pre-IPO products.
- This information is sourced from publicly available materials, data voluntarily provided by third-party fund houses and product providers, and our own independent analysis and research.
2.2 No Advisory or Discretionary Management
- Punji Baazar does not provide personalised investment advice tailored to the specific financial circumstances, risk profile, or investment objectives of any individual User
- We do not execute trades, manage client portfolios on a discretionary basis, or hold any client assets
- All content on this Website is for general informational purposes only and must not be treated as a substitute for professional financial, legal, or tax advice
2.3 Lead Generation & Marketing Consent
- By registering on this Website or submitting an enquiry, you consent to Punji Baazar (and its group or affiliated companies) using your contact details to reach out regarding PMS, AIF, Mutual Fund, NCD, Startup, and Pre-IPO investment opportunities.
- We may share your registration details — including name, email address, and phone number — with relevant fund managers, product providers, or our affiliated distribution partners solely for the purpose of arranging follow-up conversations, proposals, or product-related discussions.
- Punji Baazar does not guarantee or represent that any introduction facilitated through this platform will culminate in an investment. Any engagement with a product provider following such an introduction is entirely separate and subject to that provider’s own terms and conditions.
2.4 Regulatory Disclosure for Distribution Activities
- Users are advised to verify the current regulatory registration status (e.g., AMFI ARN, APMI registration, or SEBI registration) of any distributor or intermediary they engage with in connection with any investment.
- Distribution of certain investment products may be conducted by a related or affiliated entity of Punji Baazar. Where this is the case, it will be disclosed to Users at the appropriate stage.
3. User Registration & Account
3.1 Account Creation
- Access to certain features on this Website — including detailed scheme data, investment calculators, and comparison tools — may require you to create a registered account by providing accurate, current, and complete information such as your name, email address, and contact number.
- You agree to keep your account credentials strictly confidential and to not share them with any third party. You are solely responsible for all activity conducted under your account.
- In the event of any unauthorised access to or use of your account, you must notify us immediately at support@punjibaazar.com.
3.2 Permitted Use & Restrictions
- You agree to use this Website only for lawful purposes and in a manner that is consistent with all applicable laws, regulations, and these T&C.
- You must not use automated scripts, web crawlers, bots, or any other data extraction tools to scrape, harvest, or systematically download content from this Website, except where Punji Baazar has expressly granted permission in writing.
- You must not use this Website for any unlawful, fraudulent, harmful, or commercially exploitative activity, including but not limited to: unsolicited marketing, phishing, or impersonation of any person or entity.
- You are prohibited from creating hyperlinks to any page of this Website without prior written consent from Punji Baazar.
- You may use this Website and its services solely for personal, non-commercial purposes. The resale, sub-licensing, or commercial redistribution of any service, tool, or content from this Website to third parties is strictly prohibited.
- Punji Baazar reserves the right to suspend, restrict, or permanently terminate your access to the Website, with or without notice, if you are found to be in breach of any of these terms.
3.3 Responsibility for Technical Access
- You are responsible for ensuring that your device, browser, and internet connection meet the technical requirements necessary to access this Website securely and effectively.
- Any attempt to damage, disrupt, gain unauthorised access to, or otherwise compromise the integrity or security of this Website is unlawful. Punji Baazar reserves the right to pursue all available legal and civil remedies, including claims for monetary damages, against any person or entity found to have engaged in such conduct.
3.4 Assignment of Rights
Rights granted to you under these T&C are personal and non-transferable. You may not assign, delegate, or otherwise transfer any of your rights or obligations under these terms to any third party without the prior written consent of Punji Baazar. Punji Baazar may, at its sole discretion, transfer, assign, sub-contract, or delegate any of its rights or obligations under these T&C without your consent.
4. Disclaimers
4.1 Accuracy & Completeness of Information
- While Punji Baazar takes reasonable care to ensure the accuracy and currency of the information published on this Website, we do not warrant that all content is complete, error-free, or up to date at all times.
- Data pertaining to PMS, AIF, Mutual Fund, NCD, and other investment products is often sourced from third-party providers. Delays, omissions, or inconsistencies in such data may occur and are beyond our direct control.
4.2 Not Financial Advice
- All content on this Website — including articles, insights, performance data, calculators, and product information — is provided for general informational and educational purposes only.
- Nothing on this Website constitutes or should be construed as financial, investment, legal, or tax advice. Before making any investment decision, you should obtain independent professional guidance from a SEBI-registered Investment Adviser, qualified tax consultant, or legal professional.
4.3 No Liability for Investment Outcomes
- Punji Baazar accepts no responsibility for any investment decision made by a User on the basis of information available on this Website, nor for any resulting profits, losses, or missed opportunities.
- Any decision to invest in a PMS, AIF, Mutual Fund, NCD, Startup, or Pre-IPO product is made solely and entirely by the User. Punji Baazar is not liable for the performance or outcomes of any such investment.
4.4 Third-Party Links & Content
- This Website may include hyperlinks to or embedded content from third-party platforms, fund house websites, or external databases. These are provided for reference and convenience only and do not constitute an endorsement of the content, products, or services offered by those third parties.
- Punji Baazar assumes no responsibility for the content, accuracy, availability, or privacy practices of any third-party site. Your use of such sites is entirely at your own risk.
5. Data Protection, Privacy & Consent
5.1 Privacy Policy
Your use of this Website is also governed by Punji Baazar’s Privacy Policy, which sets out in detail how we collect, store, process, and share your personal data. By using this Website, you acknowledge that you have read and accepted the Privacy Policy, which forms an integral part of this agreement.
5.2 Marketing Consent
- By creating an account or submitting an enquiry on this Website, you expressly consent to being contacted by Punji Baazar, or its affiliated group companies, with information about PMS, AIF, Mutual Fund, NCD, Startup, and Pre-IPO investment services, including promotional materials and market updates.
- You may withdraw your consent for marketing communications at any time by contacting us at support@punjibaazar.com, or by following the opt-out instructions provided in any communication you receive from us.
5.3 Data Security
- Punji Baazar employs commercially reasonable technical and organisational measures to safeguard your personal data against unauthorised access, loss, or misuse.
- However, no online platform can guarantee absolute security. You acknowledge that data transmission over the internet carries inherent risks, and you use this Website at your own risk in this regard
6. Intellectual Property
6.1 Ownership
- All content on this Website — including but not limited to text, data, analysis, graphics, logos, software, layout, design, and proprietary tools such as the SIP Calculator, NCD Calculator, PMS Fee Calculator, and Mutual Fund Returns Calculator — is the exclusive intellectual property of Punji Baazar or its licensors.
- You are granted a limited, non-exclusive, revocable licence to view and use Website content solely for your own personal, non-commercial informational purposes.
6.2 Restrictions on Use
- You may not copy, reproduce, republish, modify, distribute, transmit, display, or create derivative works based on any content from this Website without the prior express written consent of Punji Baazar.
- Any permitted reproduction or reuse of content must retain all copyright notices, trademarks, and other proprietary designations in their original form.
7. Limitation of Liability
7.1 Exclusion of Indirect Liability
To the maximum extent permitted by applicable law, Punji Baazar shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including but not limited to loss of profits, loss of data, loss of business opportunity, or business interruption — arising from or in connection with your use of, or inability to use, this Website or its content, regardless of the form of action or the basis of the claim.
7.2 General Liability Cap
To the fullest extent permitted under applicable law, all liability of any nature on the part of Punji Baazar arising out of or in connection with these T&C, or the use or inability to use this Website, is hereby unconditionally disclaimed and excluded. Under no circumstances shall Punji Baazar, its directors (including Rahul Sachar and Arun Khetarpal), officers, employees, partners, or affiliates be liable to any User, whether in contract, tort (including negligence), statute, equity, or otherwise, for any loss, damage, cost, or expense of any kind or nature whatsoever.
8. Indemnification
You agree to fully indemnify, defend, and hold harmless Punji Baazar and its directors, officers, employees, affiliates, agents, and partners from and against any and all third-party claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
- Your breach or violation of any provision of these T&C;
- Your misuse of, or conduct in connection with, this Website or its services;
- Your reliance on any information, data, or tool available on this Website in reaching an investment or financial decision;
- Any infringement by you of the intellectual property rights or other rights of any third party.
9. Termination
9.1 Termination by Punji Baazar
- Punji Baazar reserves the right, in its sole and absolute discretion, to suspend, restrict, or permanently terminate your account or your access to the Website at any time and without prior notice, including in cases where you have breached these T&C or engaged in conduct detrimental to the platform or other Users.
- In addition to account termination, Punji Baazar may take such further action as it deems appropriate, including blocking IP addresses, notifying relevant authorities, or commencing legal proceedings.
9.2 Effect of Termination
- Upon termination — whether initiated by you or by Punji Baazar — your right to access and use this Website ceases immediately.
- Punji Baazar may delete, archive, or otherwise dispose of your account and associated data in accordance with its Privacy Policy and applicable data protection obligations.
- Termination of your account does not affect any rights or obligations that have accrued prior to termination, nor does it limit Punji Baazar’s right to pursue remedies for prior breaches.
10. Modification of Terms
- Punji Baazar reserves the right to review, revise, and update these T&C at any time and without prior notice, in response to changes in law, regulation, business practices, or the services offered on this platform.
- Any amendments will be published on this Website with a revised “Last Updated” date. It is your responsibility to review these T&C periodically.
- Your continued use of this Website after any modifications have been posted constitutes your acceptance of the revised T&C. If you disagree with any change, you must discontinue your use of the Website immediately.
11. Governing Law & Dispute Resolution
11.1 Governing Law
These T&C shall be governed by, and construed in all respects in accordance with, the laws of the Republic of India, without regard to its conflict of law provisions.
11.2 Jurisdiction
Any dispute, controversy, or claim arising out of or in relation to these T&C, the Privacy Policy, the Disclaimer, or your use of this Website shall be submitted to the exclusive jurisdiction of the competent courts of India. By using this Website, you irrevocably submit to such jurisdiction and waive any objection to proceedings in those courts on grounds of inconvenient forum.
11.3 Amicable Resolution
Prior to initiating formal legal proceedings, the parties agree to make good-faith efforts to resolve any dispute amicably through direct discussion. Either party may initiate this process by providing written notice to the other describing the nature of the dispute and the resolution sought.
12. Miscellaneous
12.1 Severability
If any provision of these T&C is found by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be severed from these T&C to the minimum extent necessary, and the remaining provisions shall continue in full force and effect as if the severed provision had never been included.
12.2 Entire Agreement
These T&C, together with Punji Baazar’s Privacy Policy and Disclaimer (as published on punjibaazar.com), constitute the entire agreement between Punji Baazar and the User with respect to the subject matter hereof, and supersede all prior representations, understandings, negotiations, and agreements — whether written or oral — relating to the same.
12.3 No Waiver
The failure by Punji Baazar to enforce any right, provision, or remedy available under these T&C on any occasion shall not constitute a waiver of that right, provision, or remedy, and shall not affect Punji Baazar’s entitlement to enforce it on any future occasion.
12.4 Relationship of Parties
Nothing in these T&C shall be construed as creating a partnership, joint venture, agency, employment, or fiduciary relationship between Punji Baazar and any User. Neither party has authority to act for or legally bind the other in any manner.
12.5 Notices
Any formal notices or communications required under these T&C should be directed to Punji Baazar in writing at the contact details provided below. Notices sent by email shall be deemed received on the next working day following transmission.