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Regulatory Compliance Disclosure

Disclaimer & Risk Disclosures

Important disclosures, risk warnings, and regulatory information related to Apex TechFin's mutual fund distribution, insurance advisory, and loan consultation services.

AMFIARN-354187 (Company)
IRDAIIndividual Agent Licenses
NISMSeries V-A Certified

Important: Apex TechFin is NOT a SEBI-registered Investment Adviser, NOT an IRDAI Corporate Agent, and NOT an Insurance Web Aggregator. Mutual fund distribution is under company ARN-354187. Insurance is solicited by individually IRDAI-licensed agents operating under this brand. Please read the Business Structure disclosure below.

Regulatory Disclaimers

Last Updated: 9 June 2025 · Click any section to expand

Mandatory Business Structure Disclosure
This section discloses how Apex TechFin operates, who holds which regulatory licenses, and the nature of the business. Clients are advised to read this section carefully.
What is Apex TechFin?
  • "Apex TechFin" is a trade name / brand under which financial distribution services are offered. It is a Sole Proprietorship registered in Ahmedabad, Gujarat, India.
  • Proprietor: Ronik Gajjar
  • Apex TechFin is NOT a company, NOT a corporation, NOT a partnership firm, and NOT a Limited Liability Partnership (LLP).
  • We are NOT a SEBI-registered Investment Adviser (IA), NOT a Portfolio Manager (PMS), NOT a Research Analyst (RA), and NOT a Stock Broker.
Mutual Fund Distribution — Company ARN
  • AMFI ARN-354187 is registered in the company name "APEX TECHFIN" (Proprietor: Ronik Gajjar).
  • All mutual fund transactions are executed under this single company ARN.
  • Commissions from AMCs are earned by the company (APEX TECHFIN) as the ARN holder.
  • NISM Series V-A Certification is held by the proprietor (Ronik Gajjar).
Insurance Solicitation — Individual IRDAI Agent Licenses
  • Insurance is NOT distributed under any corporate agent license. Apex TechFin does NOT hold an IRDAI Corporate Agent (CA) or Web Aggregator license.
  • Insurance solicitation is carried out by individual agents — family members and associates — who each independently hold their own valid IRDAI Individual Agent License.
  • These individually licensed agents operate under the common brand "Apex TechFin" for marketing, coordination, and client convenience.
  • Each agent is personally and individually responsible for the insurance policies they solicit. The legal and regulatory responsibility for any insurance transaction lies with the individual licensed agent and the insurance company — not with "Apex TechFin" as an entity.
  • The individual agent's name, IRDAI license number, and license validity will be disclosed to every client before or at the time of any insurance transaction.
  • Commissions on insurance policies are earned by the respective individual IRDAI-licensed agent — not by Apex TechFin as a corporate entity.
Loan Consultation — Referral Only
  • Apex TechFin provides loan consultation and referral services only.
  • We are NOT a lender, NBFC, banking correspondent, or Direct Selling Agent (DSA) of any bank.
  • Loan eligibility and approval are entirely at the discretion of the lending institution.

Why this disclosure matters: Indian financial regulators (SEBI, IRDAI, AMFI) require full transparency about who holds which license and in what capacity services are offered. This disclosure ensures clients know exactly who they are transacting with and under whose license.

Critical Regulatory Notice
Apex TechFin is NOT a SEBI-registered Investment Adviser (IA) under the SEBI (Investment Advisers) Regulations, 2013. We do not provide personalised investment advice for a fee. We are a financial product distributor and intermediary only.

The information provided on this website (www.apextechfin.com), mobile application, or by any representative associated with Apex TechFin is for general informational purposes only and does not constitute professional financial, investment, legal, or tax advice.

“Apex TechFin” is a trade name / brand under which financial distribution and intermediation services are offered. Our services are purely distribution and intermediation in nature — we facilitate transactions between clients and product manufacturers (AMCs, insurers, lenders). We do not provide fee-based investment advice, portfolio management, or any service that requires SEBI IA registration.

  • Mutual Fund Distribution: Conducted under AMFI ARN-354187, registered in the company name "APEX TECHFIN".
  • Insurance Solicitation: Conducted by individually IRDAI-licensed agents who are associated with the Apex TechFin brand. Each agent holds their own valid IRDAI license.
  • Loan Consultation: Referral and consultation services only — we are not a lender, NBFC, or banking institution.

Nothing on this platform should be construed as a solicitation or offer to buy or sell any financial product. You should consult a SEBI-registered Investment Adviser or qualified financial professional before making any investment decision.

AMFI Statutory Disclaimer (Mandatory)
Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

Mutual Fund distribution is conducted under AMFI ARN-354187, registered in the company name “APEX TECHFIN”. The ARN belongs to the company — not to any individual agent. Distribution commissions are earned from Asset Management Companies (AMCs). The following disclosures and risk warnings apply:

Risk Disclosures
  • Past performance of any mutual fund scheme is not necessarily indicative of future performance.
  • The NAV of units may go up or down based on market, economic, and political factors beyond the control of the AMC.
  • Returns are not guaranteed. Investors may lose part or all of their principal investment.
  • Equity funds are subject to high market risk. Debt funds are subject to credit risk and interest rate risk.
  • Liquid and overnight funds, though considered low-risk, are not risk-free.
  • Tax laws applicable to mutual funds are subject to change and any consequential tax liability is the investor's responsibility.
  • Investors should read the Scheme Information Document (SID) and Key Information Memorandum (KIM) carefully.
  • For details on risk factors, exit loads, and expense ratios, refer to the scheme's SID available on the AMC's website.

The company (APEX TECHFIN, ARN-354187) may receive upfront and/or trail commission from AMCs for mutual fund transactions executed under this ARN. We distribute only regular plan units, which carry a higher expense ratio compared to direct plans. Investors who wish to invest in direct plans should approach the AMC directly or through a SEBI-registered Investment Adviser.

Complaints / Grievances: SEBI SCORES portal (scores.gov.in) | AMFI: 1800 22 0090 | BSE StAR MF grievance mechanism for platform-related complaints.

IRDAI Statutory Notice
Insurance is the subject matter of solicitation. The purchase of an insurance policy is voluntary. Policies are issued by the respective insurance companies. Apex TechFin is not an insurance company and does not underwrite any risk.
Insurance Business Structure — Important Disclosure
  • Apex TechFin is NOT a Corporate Agent, NOT an Insurance Web Aggregator, and NOT an insurance company as defined under the IRDAI (Registration of Corporate Agents) Regulations, 2015 or the IRDAI (Insurance Web Aggregators) Regulations, 2017.
  • Insurance solicitation is carried out by individual agents who each hold their own valid IRDAI Individual Agent License. These agents are family members and associates who operate under the common brand name "Apex TechFin" for marketing and coordination purposes.
  • Each insurance policy is solicited, recommended, and serviced by the individually licensed IRDAI agent whose details (license number, validity, and name) will be disclosed to the policyholder before or at the time of the transaction.
  • The "Apex TechFin" brand name is used for business coordination and client convenience only. The legal and regulatory relationship for any insurance transaction is between the individual IRDAI-licensed agent and the insurance company.
  • Commission on insurance policies is earned by the individual IRDAI-licensed agent — not by "Apex TechFin" as a corporate entity. This commission is factored into the premium by the insurer and does not represent an additional charge to you.
Product Risk Disclosures
  • Insurance products including ULIPs are subject to market risks. Please read the policy terms carefully.
  • For life insurance policies, please review the benefit illustration and policy bond before paying the premium.
  • The claim is subject to the terms and conditions of the policy and assessment by the insurer.
  • Riders (add-on covers) come at an additional cost. Review whether they are necessary for your needs.
  • Tax benefits under Sections 80C, 80D, and 10(10D) are as per prevailing Income Tax laws and may change.
  • Do not misrepresent or withhold material information in the proposal form — it may lead to claim rejection.
  • For ULIPs and investment-linked insurance products: past performance of the fund is not indicative of future returns.
  • Free-look period: You have a right to cancel the policy within 15–30 days of receipt of the policy document (free-look period).

Grievances: IRDAI Bima Bharosa Portal (bimabharosa.irdai.gov.in) | IRDAI Toll-Free: 155255 / 1800 4254 732

Apex TechFin provides loan consultation and referral services only. We are not a lender, NBFC, or banking institution. We do not sanction, disburse, or guarantee any loan.

  • Loan eligibility, interest rates, processing fees, and approval are entirely at the discretion of the lending institution.
  • We do not charge any fees from borrowers for loan consultation or referral.
  • Loans are subject to the lending institution's terms, conditions, and credit assessment.
  • We are not liable for any non-disbursement, delay, or rejection of a loan application.
  • Borrowers should read all loan documents carefully before signing. EMI obligations are legal commitments — defaulting on a loan can adversely affect your credit score (CIBIL).
  • Applicable regulatory framework: RBI guidelines for lending institutions.
Not a SEBI-Registered Investment Adviser
Apex TechFin is NOT registered with SEBI as an Investment Adviser (IA) under the SEBI (Investment Advisers) Regulations, 2013. We do not charge any advisory fee. We are a mutual fund distributor (earning commission from AMCs) and insurance is solicited by individually licensed IRDAI agents.

In compliance with SEBI circulars and AMFI guidelines, the following disclosures are made:

Mutual Fund ARN Holder Details
  • ARN Holder: APEX TECHFIN (Proprietor: Ronik Gajjar) | ARN Number: ARN-354187
  • Registration Type: Sole Proprietorship — the ARN is registered in the company name "APEX TECHFIN"
  • ARN Registration Date: As per AMFI records
  • Validity: As per AMFI renewal schedule
  • NISM Certification: Series V-A (Mutual Fund Distributors) — Valid
Insurance Licensing Structure
  • Insurance solicitation is NOT under any corporate agent license or web aggregator license.
  • Individual family members and associates each hold their own separate IRDAI Individual Agent License.
  • Agent license details (name, license number, validity) are disclosed to the client at the time of each insurance transaction.
  • The Apex TechFin brand is used for coordination — the regulatory relationship is between the individual agent and the insurer.

Distribution commissions from AMCs are earned by the ARN holder (APEX TECHFIN, ARN-354187) on mutual fund transactions. These commissions are paid by the AMC and do not directly reduce your returns. Commission structures vary by fund and fund house.

Clients are encouraged to:

  • Consider both Regular and Direct plans and the difference in expense ratios.
  • Review their portfolio periodically with an independent SEBI-registered Investment Adviser.
  • Verify the IRDAI license of the individual insurance agent handling their policy.
  • Visit www.amfiindia.com for details on ARN registration and complaint redressal.

For any grievances, investors/policyholders may contact:

  • Mutual Funds — AMFI: complaints@amfiindia.com | 1800 22 0090 (Toll-Free)
  • Mutual Funds — SEBI SCORES: scores.gov.in
  • Insurance — IRDAI Bima Bharosa: bimabharosa.irdai.gov.in | 155255 / 1800 4254 732

While Apex TechFin endeavours to keep the information on this website current and accurate, we make no representations or warranties of any kind — express or implied — about the completeness, accuracy, reliability, suitability, or availability of the information contained on this website or related graphics for any purpose.

  • Historical performance data, fund returns, and market information are sourced from publicly available data and are for informational purposes only.
  • Market data may be delayed and should not be relied upon for real-time trading decisions.
  • Any reliance you place on such information is strictly at your own risk.
  • Links to third-party websites (AMC portals, BSE StAR MF, CAMS, etc.) are provided for convenience only. Apex TechFin has no control over the content of those sites.
  • This website uses cookies for analytics and user experience improvement, subject to your consent. See our Privacy Policy for details.

To the maximum extent permitted by applicable law:

  • Apex TechFin, its proprietor, employees, and associates shall not be liable for any direct, indirect, incidental, consequential, or punitive loss or damage arising from your use of our website, services, or reliance on any information provided.
  • We are not liable for losses arising from market movements, fund underperformance, policy claim rejections, or lending institution decisions.
  • Our liability, if any, shall be limited to the distribution commission or service fee (if any) received in connection with the specific transaction in dispute.

Nothing in this disclaimer excludes or limits liability which cannot be excluded or limited under applicable Indian law, including liability for fraud or willful misconduct.

This disclaimer and all matters arising out of or relating to Apex TechFin's services shall be governed by and construed in accordance with the laws of India.

Any disputes arising from our services or this disclaimer shall be subject to the exclusive jurisdiction of the courts in Ahmedabad, Gujarat, India.

Regulatory Oversight
  • Mutual Fund Distribution: SEBI (Securities and Exchange Board of India) & AMFI — ARN held by company/proprietorship
  • Insurance Solicitation: IRDAI (Insurance Regulatory and Development Authority of India) — individual agent licenses held by respective agents
  • Loan Consultation: RBI (Reserve Bank of India) guidelines apply to referred lenders
  • Data Protection: Digital Personal Data Protection Act, 2023
Mutual Fund Regulation
SEBI (MF)
AMFI
BSE StAR MF
amfiindia.com
Insurance Regulation
IRDAI (Insurance)
bimabharosa.irdai.gov.in
Investor Protection
SEBI SCORES
IRDAI Bima Bharosa
DPBoI (Data)
scores.gov.in
Apex TechFin (Sole Proprietorship) — AMFI Registered Mutual Fund Distributor (ARN-354187, company name) · Insurance solicited by individually IRDAI-licensed agents · NISM Certified (Series V-A) · Registered in Ahmedabad, Gujarat, India. Not a SEBI-registered Investment Adviser.
This disclaimer is effective from 9 June 2025 and supersedes all prior versions. It is governed by Indian law and subject to the jurisdiction of courts in Ahmedabad, Gujarat.

Have questions about these disclosures?

Our advisory desk is happy to clarify any regulatory or compliance questions you may have.

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