Terms and Conditions

The FinVoyage logo is a registered trademark of A.G. Financial Services, AMFI Registered Mutual Fund Distributor.

ARN – 0262

Date of Initial Registration – 23/05/2007

Current Validity – 29/09/2027

A.G Financial Services owns www.finvoyage.in and all its contents & related services. You agree and understand that the information and material contained in this website and the related services offered by A.G Financial Services (Here after will be referred to as AGFS).

Use of this website (www.finvoyage.in) and/or the services offered by AGFS indicates your acceptance of our Terms and Conditions. By visiting our site, you are agreeing to be bound by the following terms and conditions. We may change these terms and conditions at any time. Your continued use of www.finvoyage.in means that you accept any new or modified terms and conditions that we come up with. Please re-visit the “Terms and Conditions” link at our site from time to time to stay abreast of any changes that we may introduce.

By enrolling as a client of AGFS, you consent to receiving calls from our registered mobile numbers, as and when required.

These are our terms and conditions for usage of the website, www.finvoyage.in and the services offered by FinVoyage. (‘Services’ hereafter means Mutual Funds / FDs / Sovereign Gold Bonds / Mutual Fund Suggestions and Analysis given through E-Mail, Messenger, Mobile Phone, Mobile SMS, Telephone or in any other form, manner or media)

You also agree that AGFS can modify or alter the terms and conditions of the use of this service without any liability.

The contents of this site written by AGFS is solely the personal views of the contributors. AGFS reserve the right to make modifications and alterations to the contents of this website.

We are AMFI Registered Mutual Fund Distributor. As per the SEBI and AMFI guideline, we will have advisory relationship with our clients. On the website, where ever we have mentioned Financial Advisor or Wealth Management, we will discharge our duty as  AMFI Registered Mutual Fund Distributor with Advisory relationship.

Users are advised to use the data / information for the purpose of information only and rely on their own judgment while making investment decisions. The investment philosophy followed by AGFS may not be in line with what each and every individual investor thinks. AGFS take no responsibility for any loss or profit arising out of decisions being made by anyone by interpreting the information published in this website.

You can find all the Scheme Related Information here. 

AGFS does not take responsibility for content posted by users (visitors or customers) of the website in any of the forums. Users are requested to promptly report abuse or unauthorised activity by contacting us or writing to AGFS.

The contents of this website & the related services offered by AGFS cannot be copied, reproduced, republished, uploaded, posted, transmitted or distributed for any non-personal use without obtaining prior permission from AGFS.

AGFS is not responsible for the contents of any of the linked sites. By providing access to other website, AGFS is not recommending nor endorsing the content available in the linked websites. If you do not agree to any of the terms mentioned in this agreement, you should kindly exit the site.

AGFS is AMFI Registered Mutual Fund Distributor, ARN – 0262. In line with SEBI regulation, AGFS does not charge fees in any form from our investors and gives incidental advice. AGFS earn renumeration from the AMCs. For liquid Funds at aggregate level, fees will be 0.05% to 0.25% of total Liquid investment, for Debt Funds at aggregate level, fees will be 0.10% to 0.90% of total Debt investment, for Equity & Hybrid funds at aggregate level, fees will be 0.05% to 1.5 % of total Equity & Hybrid investment and for index funds at aggregate level, fees will be 0.1% to 0.6 % of total Index Fund investment.

Scheme Wise Disclosure.

For queries do drop an email at agfs1996@gmail.com

You can also contact – 

(A) Back Office: Accounts Related Queries, Investment Report

Jatin – 99040 04526

Yogesh – 75738 82996

(B) Front Office: Transactions and Services Related Queries (KYC, Change of Address / Bank etc.)

Elesh – 99983 59461

Kishan – 93289 88606

Umesh – 79846 20706

For unresolved queries / escalation, do drop an email at – atmin@finvoyage.in

Use of the website is available only to persons who can form legally binding contracts under Indian Contract Act, 1872. Persons who are “incompetent to contract” within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to use the Website. AGFS reserves the right to refuse to provide you with access to the Website if it is brought to AGFS’ notice or if it is discovered that you are under the age of 18 years.

We constantly re-evaluate our privacy and security policies and adapt them as necessary to deal with new challenges. We do not and will not sell or rent your personal information to anyone, for any reason, at any time, unless it is in (i) in response to a valid legal request by a law enforcement officer or government agency or (ii) when you have explicitly or implicitly given your consent, or (iii) utilize the same for some statistical or other representation without disclosing personal data.

Access to your registration information and your personal financial data is strictly restricted to those of our company employees and back office software service provider and strictly on a need-to-know basis, in order to operate, develop or improve the service. These employees may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.

It is important for you to protect yourself against unauthorized access to your user ID, password and computer. Be sure to sign off when finished using a shared computer.

As described in this Agreement and with your consent, the company will from time to time connect electronically to online facilitate financial transaction details provided by third party entities in order to provide the service to you.

At AGFS, we respect your privacy and are committed to protecting your personal information. Our privacy policy detailed below explains what information we may gather from our interaction (In digital / physical mode) and how such information may be used.

  1. How do we use information? We use the information that you provide to us when you register on a page on this site, fill out a survey, or otherwise voluntarily tell us about yourself or your activities, for our own use to improve our services and the content of this site. In addition, we may use the information you provide us to send you marketing information about AGFS’ services.
  2. We may provide links to third party sites. As we do not control these web sites, AGFS is not responsible for the privacy practices of those web sites or the reliability of the information presented by such site. We therefore encourage you to review the policies posted on these and all third-party sites.
  3. Profile and/or Registration Information – The information and preferences you provide during our interaction (In digital / physical mode) is used for presenting and improving content and services that may be applicable to you. We may use demographic and profile data  to understand your risk profile and for statistical analysis.
  4. Privacy Policy Updates As we add more features and services to help you make better financial decisions, we update our privacy policies from time to time. Please visit this page often to review latest information on privacy practices at AGFS.

Who we are

Suggested text: Our website address is: https://finvoyage.in.

Comments

Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

Suggested text: If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

Suggested text: If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select "Remember Me", your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Suggested text: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

Suggested text: If you request a password reset, your IP address will be included in the reset email.

How long we retain your data

Suggested text: If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

Suggested text: If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where your data is sent

Suggested text: Visitor comments may be checked through an automated spam detection service.