Terms of Use

By accessing or using this website you agree to these Terms of Use. If you do not agree, please do not use the site.

1. About the site

This website is operated by Sunshine Financials, proprietor Job J Neroth, an AMFI Registered Mutual Fund Distributor bearing ARN-57874 and EUIN E055793, valid from 01-Jan-2027 to 31-Dec-2029.

2. Permitted use

You may access and use this website for your own personal, non-commercial purposes. You agree not to:

• use the site for any unlawful, fraudulent or misleading purpose;
• copy, reproduce, republish, distribute or commercially exploit any content without our prior written permission;
• attempt to gain unauthorised access to the site, its servers or any connected system;
• introduce malicious code, or interfere with the operation or security of the site;
• use automated means to scrape, harvest or extract data from the site; or
• impersonate any person, or misrepresent your affiliation with any person or entity.

3. Information only, not a recommendation

Nothing on this website constitutes investment, legal, tax or accounting guidance, an offer or a solicitation. Please read our Disclaimer, which forms part of these terms.

4. Submissions you make

Where you submit information through a form on this site, you confirm that it is accurate, complete and your own, and that you are entitled to provide it. Submitting an enquiry or documents does not create any advisory or contractual relationship between us; a relationship arises only when expressly agreed and, where applicable, documented.

5. Intellectual property

All content on this website — including text, layout, design, graphics, the Sunshine Financials name and logo — is owned by or licensed to us and is protected by applicable intellectual property law. Third-party names, logos and marks referred to on the site remain the property of their respective owners and are used for identification only.

6. Third-party links

Links to external websites are provided for convenience. We do not control or endorse them and accept no responsibility for their content, availability or practices.

7. Availability

We aim to keep the site available but do not guarantee uninterrupted access. We may suspend, withdraw or amend all or part of the site without notice, and we shall not be liable for any unavailability.

8. Disclaimer of warranties

The site and its content are provided “as is” and “as available”, without warranty of any kind, whether express or implied, including as to accuracy, completeness, fitness for a particular purpose or non-infringement, to the extent permitted by law.

9. Limitation of liability

To the fullest extent permitted by law, we shall not be liable for any loss or damage — direct, indirect, incidental, special, consequential or punitive — arising from your use of, or inability to use, this website or from reliance on its content, including any investment loss.

10. Indemnity

You agree to indemnify and hold harmless Sunshine Financials, its proprietor and personnel against any claim, loss, liability or expense arising from your breach of these terms or your misuse of the site.

11. Governing law and jurisdiction

These terms are governed by the laws of India, and the courts at Bengaluru, Karnataka shall have exclusive jurisdiction over any dispute arising in connection with them.

12. Changes to these terms

We may revise these terms at any time by posting an updated version here. Your continued use of the site after a change constitutes acceptance of the revised terms.

13. Contact

Queries about these terms: job.neroth@sunshinefinancials.com.