Disclosures

1. Corporate Structure and Roles

• ✦Sarwat Systems (Private) Limited operates as a technology company providing the Sarwat platform. Sarwat is not a licensed financial advisor, broker, or distributor.
• ✦Finclude Systems (Private) Limited is a company registered with the Securities and Exchange Commission of Pakistan (SECP). Finclude Systems acts as the distributor of financial products and services, including mutual funds, under the regulatory guidelines of the SECP.
• ✦Sarwat.io is the open finance infrastructure platform operated by Sarwat Systems (Private) Limited, which facilitates secure, consent-based data sharing.

2. Distribution and Advisory Services

All investment and distribution services facilitated through the Sarwat Platform are provided by Finclude Systems (Private) Limited. Any commission or remuneration received by Finclude Systems for these services will be disclosed to you as per SECP and SBP regulations. Where required, a clear statement will be provided that the product is being sold as an agent or distributor of a third party.

3. Risk Disclosure

Mutual fund investments are subject to market risk. Past performance is not indicative of future results. The value of your investments can go down as well as up, and you may get back less than you invested. Please read all scheme-related documents carefully before investing.

4. AI-Generated Analysis

The analysis and recommendations provided by the Sarwat AI advisor are informational only and do not constitute investment advice. They are generated by AI models and should not be relied upon as the sole basis for any financial decision. You are responsible for conducting your own due diligence or consulting with a qualified financial advisor.

5. Discounts on Frontend, Backend Load, or Investment Commissions

Any discounts or waivers on frontend loads, backend loads, or investment commissions offered through the Sarwat Platform are subject to Terms & Conditions Apply. These specific terms are determined by the respective Asset Management Company (AMC) or Capital Market Broker and will be clearly disclosed to you prior to transaction execution.

6. Data Protection

Your data is handled in accordance with our Privacy Policy and Consent Policy. We are committed to complying with the Prevention of Electronic Crimes Act, 2016 (PECA) and are prepared to comply with the Personal Data Protection Bill (PDPB) once enacted. Our data handling practices are designed to align with SECP's regulatory framework for data privacy and security.

7. Regulatory Queries

If you have any questions or concerns regarding these disclosures, please contact our compliance team at: [Insert Compliance Contact Email]