The fine print,
in plain language.

Regulatory disclosures

North Pole South Pole Financial Services is an AMFI-registered Mutual Fund Distributor, ARN-286779. You can check this on AMFI’s register of distributors. We are not registered with SEBI as an investment adviser, portfolio manager or research analyst, and we do not hold ourselves out as any of them.

• We distribute mutual fund schemes and may give advice incidental to the schemes we distribute. We do not charge a fee for advice.
• We are paid commission by asset management companies, out of each scheme’s expense ratio, on regular plans. Direct plans of the same schemes carry lower expense ratios because no distributor commission is paid on them.
• Before you invest, we disclose in writing the commission we receive or will receive on each scheme we suggest and on the competing schemes it was chosen from, the fund houses we are empanelled with, and that schemes we do not distribute may also be worth considering.
• We do not offer portfolio management, stock recommendations, insurance, lending or credit arrangements, tax filing or legal opinions.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance does not indicate future returns.

About the calculators

The figures our calculators produce are illustrations based on the assumptions shown next to them, all of which you can change. They are not forecasts, not projections of any scheme’s returns, and not promises. Actual returns will differ, and can be negative.

The retirement income planner runs on the past monthly returns of the funds in our model portfolio, over a 10-year window repeated across the timeline you choose. Past performance may or may not be sustained in future and is not a guide to future returns. The funds are not named on this site, and nothing here recommends any scheme.

The calculators run entirely in your browser. Nothing you type into them is sent to us or stored anywhere, unless you choose to send your numbers to us using the form beneath the result.

The corporate treasury tool describes general questions to put to your bank. Any change to your banking arrangements depends on your bank’s written confirmation. We are not a lender and we do not arrange credit.

Privacy policy

We respect your privacy. Personal and financial information you share with us is treated with strict confidentiality and used only to respond to you and provide the services you ask for. It is never sold, and never shared with third parties without your consent, except where the law requires it.

What we collect

When you submit a form on this site we receive your name, mobile number and email, any message you write, and, for forms under a calculator, the inputs and result shown. We may also collect information through consultations or documents you give us.

How it reaches us

Form submissions are delivered to our inbox through Amazon Web Services, and may be checked by Google reCAPTCHA to filter out spam, under Google’s own privacy policy. If you book a call through our calendar, Calendly collects the details you give it, under its own privacy policy. We do not use advertising or analytics cookies on this site.

How we keep it

Information is stored securely and access is restricted to authorised people. You can ask us what we hold about you, or ask us to correct or delete it, by writing to info@npspfin.com.

Terms of service

By using this website and our services, you agree to the following terms:

• Information on this site is general. It is not advice suited to your circumstances; suitability is assessed only in a review, with your details.
• Our services are mutual fund distribution, with advice incidental to it. They do not guarantee any return.
• You make your own final investment decisions, after reading the scheme documents and our written disclosures.
• Tax, legal and regulatory filings remain your responsibility and your advisers’, unless we have explicitly agreed otherwise. We will flag issues we can see.
• We may update these terms from time to time to reflect regulatory or operational changes.

Disclaimer

All investments involve risk. While we aim to give accurate, timely and compliant guidance, North Pole South Pole Financial Services does not accept liability for market-driven losses or for regulatory changes that affect outcomes. Please read the scheme documents and our written disclosures carefully before you invest.