This document lays out the terms and conditions which shall be applicable to all the accounts which are existing or may be opened anytime in future with Anand Rathi Financial Services Limited (ARFSL). The company refers to ARFSL, a financial service provider incorporated in India under the companies Act 1956 and have its registered office at Anand Rathi Financial Services, B-2, Shubham Centre, 5th Floor, Cardinial Gracious Road, Chakala, Andheri (E), Mumbai - 400 099.