Terms & Conditions.

Who we are

"Third Rock Wealth", "TRW", "we", "us" and "our" refer to the mutual fund distribution service operated under the Third Rock Wealth brand by MoneyWorks4Me. Third Rock Wealth is a SEBI-registered Mutual Fund Distributor, registered with the Association of Mutual Funds in India (AMFI).

Third Rock Wealth and Omega Portfolio Advisors are sister services. Omega Portfolio Advisors is a SEBI-registered Investment Adviser. Third Rock Wealth distributes mutual funds; Omega provides investment advice. They are separate, separately regulated activities. This is explained further in section 3.

Accepting these terms

By visiting this website, creating an account, or using any part of the Third Rock Wealth service, you confirm that you have read these Terms and Conditions, our Privacy Policy and our Disclaimer, and that you accept them.

When you register for an account we ask you to accept these terms with an explicit tick box. We do this so that your agreement is clear and on the record, for your protection as much as ours. If you do not accept these terms, you should not register or use the service.

What we do, and do not do

We distribute mutual funds. Third Rock Wealth helps you choose from and invest in mutual fund schemes offered by asset management companies. We act as a Mutual Fund Distributor under the regulations of the Securities and Exchange Board of India (SEBI).

We do not provide investment advice. Nothing on this website, and nothing said to you by a Third Rock Wealth team member acting in the distribution role, is investment advice within the meaning of the SEBI (Investment Advisers) Regulations, 2013 (as amended). Information we share, including any research material, fund descriptions, comparisons or tools, is for your general understanding and to help you make your own decision.

Investment advice is a separate service. If you want personalised, written investment advice for a fee, that is offered by our sister service, Omega Portfolio Advisors, which is a SEBI-registered Investment Adviser. Advice and distribution are different activities under different SEBI regulations, and you would register for advice separately.

The mutual fund schemes shown on this site are Regular Plans. We display Regular Plan information only.

Who can use the service

To open an account and invest through Third Rock Wealth you must be at least 18 years old, of sound mind, resident in India for the purpose of these services, and legally able to enter into a contract under Indian law.

You will need to complete Know Your Customer (KYC) verification as required by SEBI and AMFI rules before you can transact. You agree that the information you give us for registration and KYC is true, current and complete, and that you will keep it up to date.

Your account

You are responsible for keeping your account password confidential and for activity that happens under your account. Please tell us promptly, at the contact details in section 17, if you believe someone has used your account without your permission.

We may need to verify your identity before acting on certain requests. We may decline to open an account, or restrict an account, where we are required to by law or regulation, or where we reasonably believe it is necessary to prevent fraud or misuse.

How we are paid

When you invest in a Regular Plan mutual fund through Third Rock Wealth, the asset management company pays us a distribution commission. This is how the distribution service is funded. The commission is set in line with SEBI norms and is disclosed in each scheme's Scheme Information Document.

You do not pay Third Rock Wealth a separate fee for the distribution service. Because we are paid by the asset management company, this is a commercial relationship you should be aware of. Our Disclaimer explains how we approach this.

Investment risk

Mutual fund investments are subject to market risks. The value of your investment can fall as well as rise, and you may get back less than you invested. Past performance of a fund is not a reliable indicator of its future performance.

No return shown, modelled, or discussed on this site is promised or guaranteed. Calculators and tools on this site produce illustrations based on assumptions you or we choose; they are not forecasts. Please read all scheme-related documents carefully before investing.

Information on this site

We work to keep the information on this site accurate and current, but we cannot promise that it is always complete, accurate or up to date. Fund data, including performance figures, holdings and ratings, is sourced from asset management companies, registrars and third-party data providers. We do not control that data and are not responsible for errors originating from those sources.

Tools, calculators and any research or comparison material are provided to help you understand options. They are general in nature, they do not take account of your personal circumstances, and they are not a recommendation to buy or sell any particular fund.

Acceptable use

You agree to use this website and service only for lawful purposes and only for your own genuine investment activity. You agree not to attempt to gain unauthorised access to any part of the site or its systems, not to disrupt or probe the service, not to copy or scrape content at scale, not to misuse another person's identity or information, and not to use the service to break any law or regulation.

Intellectual property

The Third Rock Wealth name, logo, site design, written content and original research material are owned by us or used by us under licence. You may read and use them for your own personal, non-commercial use of the service. You may not republish, sell or distribute them without our written permission. Fund names, scheme documents and data belong to their respective owners.

Our responsibility and its limits

We take responsibility for the things we control. We will carry out the distribution service with reasonable care and skill. We are responsible for handling your personal data as described in our Privacy Policy, and for operating the service honestly and in line with the SEBI and AMFI rules that apply to a Mutual Fund Distributor.

Nothing in these terms limits or excludes our liability for fraud, for gross negligence, for wilful misconduct, or for anything that the law does not allow us to limit or exclude. We do not ask you to give up rights the law gives you.

There are things we do not control, and for those we are not responsible. These include the performance of any mutual fund, the decisions and conduct of asset management companies and registrars, movements in markets, the outcome of your investment decisions, errors in third-party data, and interruptions caused by events beyond our reasonable control.

To the extent the law allows, and except for the matters in the second paragraph of this section, our total liability to you for any claim connected with the service is limited to the amount of distribution commission we actually earned on your investments in the twelve months before the event giving rise to the claim. We are not liable for indirect or consequential losses, or for loss of expected investment gains.

Indemnity

If a third party brings a claim against us because you have broken these terms, misused the service, or broken the law in your use of the service, you agree to cover the reasonable, direct costs we incur as a result. This does not apply to the extent the claim is caused by our own breach, negligence or misconduct.

Suspension and termination

You may stop using the service and ask us to close your account at any time, subject to settling anything that is genuinely outstanding. We may suspend or close an account where we are required to by law or regulation, where these terms have been seriously or repeatedly broken, or where we reasonably believe it is necessary to protect you, other users, or the service from fraud or harm. Where it is reasonable and lawful to do so, we will tell you and explain why.

Closing an account does not affect your existing mutual fund holdings, which are held with the respective asset management companies and registrars. We will tell you how your servicing arrangements are affected.

Changes to these terms

We may update these terms from time to time, for example to reflect changes in regulation or in how the service works. When we make a material change we will update the date at the top of this page and, where appropriate, tell you directly. Your continued use of the service after a change means you accept the updated terms.

Governing law and jurisdiction

These terms are governed by the laws of India. Subject to the complaints and dispute-resolution routes in section 16, the courts at Pune, Maharashtra have jurisdiction over any dispute connected with these terms or the service.

Complaints and disputes

If something goes wrong, we want to hear about it and put it right. Our Grievance Redressal page sets out, step by step, how to raise a complaint with us, how to escalate it to our Grievance Officer, and how to take it further through the SEBI SCORES platform and the SMART ODR portal (smartodr.in) if you are not satisfied. We would always rather resolve a concern directly and quickly.

How to reach us

For any question about these terms or the service:

Service

Third Rock Wealth, a mutual fund distribution service of MoneyWorks4Me

Legal entity

[Operating entity name and CIN to be confirmed by counsel]

Registered office

Pune, Maharashtra, India [full address to be confirmed]

AMFI registration

[ARN to be confirmed, currently pending]

Email

hello@thirdrockwealth.com

Hours

Monday to Friday, 10 am to 7 pm IST

Please also read our Privacy Policy, our Disclaimer and our Grievance Redressal page, which form part of your agreement with us.