Disclaimer

1. Services

MyNiveshak currently provides information and/or services relating to:

• Financial Planning
• Loan Against Mutual Funds (LAMF)
• Tax Planning
• P2P Lending

The nature, availability and scope of services may change from time to time and may be subject to applicable eligibility criteria, terms, conditions and regulatory requirements.

Where any service involves a regulated individual, institution, lender, platform, product provider or other third party, such service may also be subject to the applicable terms, conditions and disclosures of that party.

2. General Financial Information

The website may contain articles, blogs, videos, calculators, illustrations, examples, financial concepts, market observations and other financial information.

Such information is general in nature and may not take into account an individual's complete financial circumstances, financial objectives, risk profile, financial position, investment horizon, liquidity requirements, tax position or other requirements.

Information available on this website should not be treated as a substitute for advice or professional assistance appropriate to an individual's specific circumstances.

Users should carefully consider their individual circumstances and obtain appropriate professional advice wherever necessary before making any financial, investment, tax or other important decision.

3. Investment Risk

Investments involve risk and the level and nature of risk may vary depending on the product or investment.

Risks may include, among others, market risk, credit risk, liquidity risk, interest-rate risk, concentration risk, operational risk, regulatory risk and other risks.

The value of an investment may increase or decrease depending on market conditions and other factors. Investors may lose part or all of their invested capital depending on the nature of the investment.

Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.

Past performance is not indicative of future performance.

No information provided on this website should be interpreted as a guarantee, assurance or promise of future investment returns or performance.

4. Financial Planning

Financial planning is a process intended to help individuals organise, evaluate and plan for their financial goals and circumstances.

Financial planning does not guarantee the achievement of any particular financial goal, return, income, wealth level or other financial outcome.

Actual financial outcomes may be affected by investment performance, inflation, taxation, interest rates, changes in income or expenses, market conditions, personal circumstances and other factors.

Any financial planning discussion, illustration or calculation available through this website should therefore be considered in the context of the individual's own circumstances.

5. Loan Against Mutual Funds (LAMF)

Loan Against Mutual Funds is subject to the eligibility criteria, terms and conditions of the relevant lender or financial institution.

Loan approval, interest rate, loan amount, tenure, margin requirements, collateral requirements, charges and other terms are determined by the relevant lender or financial institution.

MyNiveshak does not guarantee or assure the approval of any loan or any particular loan amount, interest rate, tenure or other lending outcome.

Users should carefully review the applicable loan agreement, terms, charges, risks and disclosures provided by the relevant lender before proceeding.

6. Tax Planning

Tax-related information available on this website is general in nature and is provided for informational and educational purposes only.

Tax laws, rules, regulations, circulars, notifications and interpretations may change from time to time and may vary depending on an individual's circumstances.

Information provided on this website should not be treated as a substitute for professional tax, accounting or legal advice.

Users should obtain appropriate professional advice regarding their individual tax circumstances wherever required.

MyNiveshak does not guarantee any particular tax saving, tax benefit, refund, deduction or tax outcome.

7. P2P Lending

P2P Lending involves risks, including borrower default risk, credit risk, liquidity risk, platform-related risk, economic risk and the possibility of loss.

Any return, yield, projection, illustration or example relating to P2P Lending should not be considered guaranteed or assured.

Actual returns or outcomes may differ from any indicative, historical or projected figures.

Users should carefully review the relevant platform's terms, fees, risk disclosures, applicable information and other documents before proceeding.

8. Illustrations, Calculations and Projections

Any examples, calculations, projections, illustrations, hypothetical returns, charts or scenarios provided on this website are intended for educational and illustrative purposes only.

Such illustrations may be based on assumptions that may not apply to an individual's actual circumstances.

Actual results may differ due to market conditions, investment performance, taxes, charges, inflation, interest rates, timing, product terms and other factors.

Illustrations, calculations or projections should not be treated as a guarantee, assurance, forecast or promise of actual results.

9. Third-Party Information, Products and Services

The website may contain information, references or links relating to third-party websites, financial institutions, lenders, platforms, product providers, service providers or other external sources.

MyNiveshak does not control and does not guarantee the accuracy, completeness, reliability, availability or timeliness of information provided by third parties.

References to any third-party product, company, platform, institution or service do not, by themselves, constitute a guarantee, endorsement or assurance of the performance or suitability of that product or service, unless expressly stated.

Users should independently review the relevant third-party terms, conditions, disclosures, charges, risks and other applicable documents before relying upon or using any third-party product or service.

10. Accuracy and Timeliness of Information

Reasonable efforts are made to provide information that is accurate and updated.

However, MyNiveshak does not warrant or represent that all information available on the website will always be complete, accurate, current, error-free or suitable for every individual's circumstances.

Financial markets, financial products, taxation rules, regulations and other information may change from time to time.

Information may therefore become outdated without notice.

Users should independently verify important information against the latest official documents, product documentation, applicable regulations and other authoritative sources before taking any action.

11. Testimonials and Client Experiences

Testimonials, reviews, feedback and client experiences displayed on the website represent the individual experiences or opinions of the persons providing them.

Individual results and experiences may vary depending on personal circumstances, financial decisions, market conditions and other factors.

Testimonials or past client experiences should not be interpreted as a guarantee, assurance or representation that another individual will achieve similar results or outcomes.

12. User Responsibility

Users are responsible for evaluating whether any financial product, service, strategy or information is appropriate for their individual circumstances.

Before making a financial or investment decision, users should consider, where relevant:

• Financial objectives;
• Current financial position;
• Risk profile and risk capacity;
• Investment horizon;
• Liquidity requirements;
• Existing investments and liabilities;
• Tax considerations; and
• Other relevant personal circumstances.

No financial, investment, tax or other important decision should be made solely on the basis of general information available on this website.

13. No Guarantee or Assurance

MyNiveshak does not guarantee or assure:

• Any particular investment return or performance;
• Preservation or appreciation of capital;
• Achievement of any financial goal;
• Any particular income, cash flow or wealth outcome;
• Approval or terms of any loan;
• Any particular tax saving, deduction, refund or tax outcome;
• Availability, liquidity or redemption of any financial product; or
• That any financial product, investment, strategy or service will be suitable for every individual.

Financial and investment outcomes depend on various factors and may differ substantially from any illustration, projection, expectation or example provided on the website.

14. Limitation of Liability

To the maximum extent permitted by applicable law, MyNiveshak and its owners, employees, representatives, associates, affiliates, service providers and persons acting on its behalf shall not be responsible or liable for any loss, damage, cost, claim, expense or liability, whether direct, indirect, incidental, consequential or otherwise, arising out of or in connection with:

• the use of, or reliance upon, any information, content, illustration, calculation or material available on this website;
• any financial, investment, tax or other decision made by a user;
• any loss, reduction or change in the value or performance of any investment or financial product;
• failure to achieve any financial goal, expected return, income, cash flow or other financial outcome;
• changes in financial markets, interest rates, taxation, regulations, economic conditions or other external circumstances;
• errors, omissions, inaccuracies or outdated information contained on the website;
• any interruption, delay, suspension or unavailability of the website or any part of its content;
• technical failures, transmission failures or other technical issues affecting access to the website;
• any unauthorised access, security incident or other technical event, except to the extent liability cannot lawfully be excluded;
• any act, omission, delay, default or decision of a third-party lender, financial institution, platform, product provider or service provider;
• the performance, availability, terms, conditions or outcome of any third-party product or service; or
• any other matter arising from or relating to the use of this website or the information made available through it.

Users acknowledge that financial and investment decisions involve risks and uncertainties and that actual outcomes may differ materially from any illustration, calculation, projection, expectation or example presented on this website.

To the extent permitted by applicable law, users access and use the website and rely upon its information at their own discretion and risk.

Nothing in this Disclaimer shall exclude, restrict or limit any liability, right or remedy that cannot lawfully be excluded, restricted or limited under applicable law.

15. No Reliance

The information available on this website is not intended to be the sole basis for making any financial, investment, tax or other important decision.

Users should review relevant product documents, terms, risk disclosures and applicable information and, where appropriate, seek advice from a qualified professional before making decisions based on information available on this website.

16. Changes to This Disclaimer

MyNiveshak reserves the right to modify, update or amend this Disclaimer from time to time.

Any revised version will become effective when it is published on this website.

Users are encouraged to review this page periodically for any changes.

17. Governing Law

This Disclaimer shall be governed by and interpreted in accordance with the laws of India, subject to applicable statutory and regulatory requirements.

Any disputes arising in connection with this Disclaimer shall be subject to the jurisdiction of the appropriate courts and authorities as applicable.