Regulatory Disclosures

Niyyam — Regulatory Disclosures

Effective Date: 4th March 2026
Platform / Controller: Niyyam, operated by Tech Margon Wealth Pvt. Ltd., Bangalore, Karnataka, India.
Contact / Compliance Officer: Ashok Prasad

Email:ashok@niyyam.com

1. Corporate & Regulatory Identity

  • Platform Name: Niyyam
  • Operating Entity: Tech Margon Wealth Pvt. Ltd.
  • Corporate Identification Number (CIN): [CIN Number]
  • Registered Office: [Registered Office Address], Bangalore, Karnataka, India
  • DPIIT Registration: [Registration Number]
  • SEBI Registration: [SEBI Registration Number for mutual fund distribution, if applicable]
  • IRDAI Registration: [IRDAI Registration Number for insurance distribution, if applicable]
  • AMFI Certification: [AMFI Registration Number, if applicable]

All operations are conducted in accordance with applicable Indian regulations, including SEBI, IRDAI, AMFI, PMLA, IT Act, and DPDP Act 2023.

2. Investor / Customer Disclosures

2.1 Investment Risks:

  • Investments in mutual funds and other securities are subject to market risks. Past performance is not indicative of future returns.
  • Users should read the offer documents, scheme information, or policy terms before investing.
  • Niyyam does not provide guaranteed returns and is not liable for losses arising from market fluctuations.

2.2 Insurance Disclosures:

  • Insurance policies are subject to terms and conditions specified by the insurance company.
  • Niyyam is an insurance intermediary and does not guarantee claim settlements.
  • Users should review the policy document, coverage, exclusions, and free-look period before purchasing.

2.3 Mutual Fund & Securities Disclosure:

  • SEBI mandates disclosure of commissions, fees, and charges to investors. Niyyam provides transparent details of transaction charges, distribution fees, and platform charges.

3. Data Privacy & Security

  • Personal data is handled according to the Niyyam Privacy Policy and DPDP Act 2023.
  • Data is collected for regulatory compliance, KYC, transaction processing, and risk management.
  • Users have the right to access, correct, and request deletion of personal data subject to regulatory retention requirements.

4. Compliance with AML / KYC

  • Niyyam strictly follows PMLA, SEBI, AMFI, and IRDAI guidelines for AML and KYC compliance.
  • Users are required to submit identity, address, and financial documents before performing transactions.
  • High-risk or suspicious transactions are monitored and reported to FIU-IND as required by law.

5. Fees, Charges & Commission Disclosure

  • Platform fees, subscription charges, or transaction charges are clearly displayed before confirmation of any transaction.
  • Commissions or incentives received from AMCs, insurers, or third-party providers are disclosed to the user in line with SEBI and IRDAI regulations.

6. Third-Party Relationships

  • Niyyam partners with KRAs, AMCs, insurers, banks, and payment gateways for transactional and compliance purposes.
  • All third-party partners are regulated entities and adhere to applicable SEBI, IRDAI, and AMFI guidelines.
  • Users are responsible for reviewing terms and conditions of third-party services.

7. Grievance Redressal & Reporting Mechanism

  • Users can lodge complaints or grievances via email, phone, or in-app forms: [Grievance Officer Email], [Phone Number].
  • Unresolved complaints can be escalated to SEBI SCORES, IRDAI IGMS, or DPDP grievance authorities.
  • Niyyam maintains records of complaints, resolutions, and statutory reports for a minimum of 5 years.

8. Regulatory Updates & User Communication

  • Users will be notified of material regulatory changes, policy updates, or risk disclosures through the Platform.
  • Niyyam ensures transparent and timely communication in accordance with SEBI, IRDAI, and AMFI guidelines.

9. Disclaimer

  • Regulatory disclosures do not constitute investment advice.
  • Users are advised to read scheme documents, policy terms, and risk disclosures before making financial decisions.
  • Niyyam is not responsible for any financial loss resulting from user decisions, market risks, or third-party defaults.

10. Contact & Compliance Officer

For any queries regarding regulatory disclosures, compliance, or statutory reporting:

Compliance Officer:
Tech Margon Wealth Pvt. Ltd. (Niyyam)
Email: ashok@niyyam.com
Postal Address: 1,2 A1 Block, 4th Floor, Above Chef Bakers’ ITPL Main Road, Near Brookefield Hospital, Kundanhalli, Bangalore-560037, Karnataka