Terms & Conditions

Investments in securities are inherently subject to market risks, including price fluctuation risks. There are no assurances or guarantees that the minimum or maximum objectives of any investment scheme will be achieved. The past performance of any scheme is not indicative of future results, whether within the same scheme or any other existing or future schemes. Investors should be aware that no guarantees or indications of maximum returns are offered through these investment schemes.

Before making any investment decisions, investors are strongly advised to carefully assess their financial situation, investment objectives, and risk tolerance. It is important to note that diversification does not eliminate the risk of incurring investment losses. Seeking professional financial advice is recommended to ensure informed investment choices.

UCMS INVESTMENT PLAN

The client is obligated to the company for a total amount specified under an investment scheme. Both parties hereby agree that the payments related to Systematic Investment Plans (SIPs) will be executed by the detailed terms outlined in the investment plan.

The client acknowledges their responsibility to fulfil the payment obligation stipulated in the investment plan, which includes adhering to the payment schedule provided therein. The dates for payment will be explicitly mentioned in the investment plan, and the client commits to making the payments promptly.

While it is preferred that payments be made as outlined in the investment plan to ensure seamless processing and compliance with the terms, the client also retains the flexibility to complete payments at their discretion. This means that if circumstances arise that necessitate a change in the payment approach, the client can adjust their payment timing or method, provided that all obligations under the investment scheme are ultimately fulfilled.

This arrangement is designed to balance the company’s need for timely investments with the client’s financial circumstances, ensuring that the investment relationship remains beneficial and sustainable for both parties.

RESUMING PERIOD FEATURE

If the investor is unable to make the SIP payment on the declared date for any reason, the company retains the right to immediately suspend the investment scheme. This suspension allows the company to manage the investment portfolio effectively while also providing the investor with the necessary time to address their financial situation.

Upon suspension of the investment scheme, the investor will be notified of the status change and the implications it has for their investment. This includes an explanation of the suspension process and any actions the investor may need to take to reactivate their investment.

Once the investor is in a position to resume their investment contributions, they may do so by following the procedures outlined by the company. It is important to note that a mandatory six-month redemption period will commence from the date the investor resumes their investment scheme. This means that any withdrawal or redemption requests submitted during these six months will be subject to the applicable terms and conditions of the investment scheme.

The purpose of the resuming period is to ensure that both the investor and the company are aligned on the investment strategy moving forward. By implementing this feature, the company aims to encourage long-term investment while providing the investor with a structured framework to navigate any temporary financial challenges.

During this resuming period, the investor is encouraged to reassess their financial circumstances and investment goals. The company remains available to offer guidance and support as needed, ensuring that the investor can make informed decisions about their investment strategy as they move forward.

UCMS REDEMPTION PROCESS

The redemption process is a structured procedure that allows investors to withdraw their funds from the investment scheme. The process will commence once the investor submits a formal request to the company, indicating their intent to redeem their investment. This request should be communicated in writing, outlining the specific details of the investment being redeemed.

Upon receipt of the redemption request, the company will initiate a thorough review of the request by its internal procedures. This review process is designed to ensure that all aspects of the request are compliant with the terms and conditions of the investment scheme. The company may evaluate factors such as the investment amount, the holding period, and any applicable fees or penalties related to the redemption.

The redemption amount, which represents the value of the investor's holdings at the time of redemption, will be credited directly to the investor’s designated account. The funds will typically be transferred within a specified timeframe, depending on the company's operational processes and the nature of the investment scheme.

However, it is essential to note that as a condition for redemption, the investor is required to complete a minimum investment period of six months. This means that the investor must hold their investment for at least six months from the date of the initial investment before they can initiate the redemption process. Only after this mandatory six-month period has been fulfilled will the investor be eligible to activate the redemption process. Any redemption requests submitted before the completion of this minimum period will not be processed until the six-month threshold has been met.

Additionally, the company reserves the right to verify all relevant information before proceeding with the redemption. This may involve confirming the identity of the investor, ensuring that the redemption request aligns with the terms of the investment scheme, and checking for any outstanding obligations that may need to be settled before the redemption. The company may also require additional documentation, such as identification or proof of the investor's account details, to ensure a smooth and secure redemption process.

This structured redemption process aims to protect both the investor and the company, ensuring that all transactions are conducted transparently and by regulatory requirements. Investors are encouraged to familiarize themselves with the redemption process and to seek clarification from the company if they have any questions or concerns regarding their investment.

UCMS FEE STRUCTURE

The UCMS Fee Structure outlines the various fees applicable to investors participating in investment schemes managed by the company. These fees are designed to cover the costs associated with managing the investments and ensuring compliance with regulatory standards. Below are the details of each fee type:

1. Entry Fee:
   The entry fee is a one-time charge applied when an investor initiates an investment with the company. This fee is levied by the wealth management service provider and is intended to cover the administrative costs associated with setting up the investment. The entry load can range from 2% to 6% of the initial investment amount, depending on the specific investment scheme chosen by the investor.

   • Applicability: The entry fee applies only to one-time and yearly investment schemes.

   • Deduction: The fee is deducted at the time of investment and is considered non-refundable, meaning that once paid, it cannot be recovered by the investor. This ensures that the company can manage the costs associated with onboarding new investors efficiently.

2. Management Fee:
   The management fee is charged by the company for the ongoing oversight and management of the investor's portfolio. This fee is crucial for covering the operational costs related to asset management, including research, investment strategy development, and regular performance monitoring.

   • Assessment Period: The management fee is assessed every quarter.

   • Rate: The fee typically ranges from 1.5% to 4.5% of the total assets under management. The specific rate may vary based on the investment strategy employed and the level of service provided.

   • Deduction: The management fee is automatically deducted from the investor's account at the start of each quarter. This ensures that the management of the investment is seamless and that investors are not burdened with manual payment processes.

3. Disclosure Fee:
   The disclosure fee is charged when an investor formally discloses their investment scheme to the company. This fee supports the administrative and regulatory processes involved in managing investment disclosures.

   • Rate: The disclosure fee ranges from 2% to 4% of the total investment amount.

   • Applicability: This fee is charged at the time of disclosure and is relevant for any administrative tasks required to ensure compliance with legal and regulatory requirements.

   • Purpose: The disclosure fee helps maintain transparency in managing the investment scheme and ensures that all necessary documentation is handled appropriately.

Periodic Review and Adjustments:
All fees outlined in this structure are subject to periodic review and adjustment by the company. Changes may be made in response to various factors, including market conditions, regulatory changes, or adjustments to the company's operational costs.

Communication of Changes:
The company is committed to keeping investors informed of any changes to the fee structure in advance. This transparency allows investors to make informed decisions regarding their investments and understand the costs associated with their investment strategies.

Investors are encouraged to review the fee structure regularly and consider how these fees may impact their overall investment returns. For any questions or clarifications regarding the fees, investors should not hesitate to reach out to the company's customer service or their designated financial advisor.

UCMS GENERAL RISK FACTOR