Terms of use
Simple rules for using Aumsetu.
1. Who runs Aumsetu
Aumsetu (aumsetu.com) is a non-commercial personal community initiative by Deepak Singla, an AMFI-registered Mutual Fund Distributor (ARN-76535), based in Mandi Dabwali, Haryana. It is not a company and is not operated by one.
When these terms refer to “we”, “us”, or “Aumsetu”, they mean this personal initiative and its maintainer.
2. Free forever, non-commercial
Aumsetu does not charge any user, for any feature, at any time. There are no paid tiers, no subscriptions, no in-app purchases, no advertising slots for sale, and no commissions collected on transactions.
3. Not investment advice
Aumsetu provides calculators, client-service tools and a directory of AMFI-registered Mutual Fund Distributors. It does not provide personalised investment advice, does not recommend specific mutual fund schemes or insurance products, and does not conduct any investment transaction.
All calculator outputs are illustrative projections based on the inputs you provide and the assumed rates of return you specify. They are not guarantees of future returns.
Scheme facts in the Fund Explorer, the Screener and the planners (NAV, returns, AUM, expense ratio, exit load, holdings) are shown as reported by AMFI, the AMCs and a data provider. They can be late or wrong; the scheme’s SID and KIM are the authority. Where a plan or proposal names schemes, they were chosen by the Mutual Fund Distributor who prepared it, not by Aumsetu.
For personalised investment advice, please consult a SEBI-registered Investment Adviser (RIA).
4. How you may use Aumsetu
You may use Aumsetu freely for any lawful purpose, including:
- Running financial calculations for yourself or for clients you serve professionally.
- Generating branded PDFs of these calculations for informational purposes.
- Discovering AMFI-registered MFDs listed in the Circle directory. The order of listings changes from time to time and takes recent activity on Aumsetu into account; it is not a ranking or a recommendation.
- Sharing links to any page on aumsetu.com with your network.
You may not use Aumsetu to:
- Scrape, resell, or redistribute the tools as your own commercial product.
- Impersonate another MFD or misrepresent your credentials.
- Automate mass submissions to the MFD Circle application form.
- Solicit investments or transact securities through this platform (there is no such functionality anyway).
- Upload content that violates any Indian law.
- Put a client’s personal details (PAN, Aadhaar, mobile, email, folio or account number) into the feedback form.
Feedback. Anything you send through the feedback page may be used to improve Aumsetu, with no payment owed. Nothing you write is published; a public “You said, we did” line is written by us and carries your first name only if you ticked the box.
5. MFD Circle terms
The Aumsetu MFD Circle is a free membership program for AMFI-registered Mutual Fund Distributors. When you apply:
- You confirm that the ARN, name, and contact details you submit are your own and accurate.
- You authorise us to verify these details against the public AMFI portal before approval.
- You accept that we may reject any application at our sole discretion, particularly if AMFI records do not match.
- You retain full responsibility for your professional conduct with your own clients. Aumsetu makes no representation about the quality of your services.
If your ARN status with AMFI is suspended, cancelled, or expires, please notify us so we can update your Circle status. We may proactively remove Circle members whose ARNs are no longer active.
6. Accuracy and warranty
We take reasonable care to keep the calculators and the scheme data accurate. However, financial regulations and tax rules change frequently, scheme data can arrive late or wrong from its source, and computational errors can occur.
Aumsetu is provided “as is”, without any warranty of any kind, express or implied. You are responsible for verifying any calculation or document generated here before acting on it. When in doubt, consult a qualified professional (Chartered Accountant, Company Secretary, Advocate, or SEBI-RIA as relevant).
7. Limitation of liability
To the maximum extent permitted by Indian law, Deepak Singla shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of Aumsetu, including but not limited to loss of investment returns, loss of business, or loss of reputation.
Since Aumsetu is free and non-commercial, no monetary refund or compensation is available in any circumstance. Your sole remedy for dissatisfaction is to stop using the platform.
8. Changes and closure
These terms may be updated as the platform evolves. Material changes will be noted here with a revised effective date. Continued use of Aumsetu after such changes constitutes acceptance.
Aumsetu is a personal initiative. It may be discontinued, paused, or handed over to a different maintainer at any time, with reasonable notice on this website.
9. Governing law
These terms are governed by the laws of India. Any dispute shall be subject to the exclusive jurisdiction of the courts at Sirsa, Haryana.
10. Trade marks
“Aumsetu”, the Aumsetu wordmark and the Aumsetu logo are trade marks of Deepak Singla. A trade mark application has been filed; the mark is not yet registered, which is why it carries ™ and not ®.
Nothing on this site gives you a licence to use them. You may name Aumsetu in ordinary descriptive speech — saying that you use it, linking to it, or writing about it — and that is not an infringement. You may not put the name or the logo on your own product, imply that Aumsetu endorses you, or use anything close enough to be mistaken for it.
The one deliberate exception is the Circle. A verified member’s own firm name and logo replace ours across the tools they use, and any document produced there carries their mark, not ours. That is the point of the feature, and it grants them nothing in respect of our mark.
AMFI, NISM, SEBI, the AMCs and every scheme named on this site own their own names and marks. They are used here only to say which body or which scheme is being referred to, and no affiliation or endorsement is claimed.
11. Contact
For any question about these terms, please contact:
Deepak Singla
AMFI-registered Mutual Fund Distributor · ARN-76535
Near Indusind Bank, Aastha Hospital Street, Chotala Road,
Mandi Dabwali – 125104, Haryana, India
WhatsApp: +91 95412 23377 (WhatsApp only, please)