Disclosure & Regulatory Information

Last Updated: 26-02-2026

This disclosure is provided in accordance with applicable regulations issued by the Securities and Exchange Board of India (SEBI) and the Insurance Regulatory and Development Authority of India (IRDAI).

1. Mutual Fund Distribution Disclosure (SEBI Compliance)

[Your Business Name] is engaged in the distribution of Mutual Fund products.

  • ARN Number: [Insert ARN Number]
  • EUIN: [Insert EUIN, if applicable]
  • Registered with: Association of Mutual Funds in India (AMFI)
  • Category: Mutual Fund Distributor

We are a distributor and not an investment advisor unless separately registered as a SEBI Registered Investment Adviser (RIA).

We earn commission from Asset Management Companies (AMCs) for distribution of mutual fund products. The commission structure is disclosed in accordance with SEBI guidelines and is included in the Total Expense Ratio (TER) of the scheme.

Important Mutual Fund Disclosure:

  • Mutual Fund investments are subject to market risks.
  • Please read all scheme-related documents carefully before investing.
  • Past performance is not indicative of future returns.
  • The value of investments may go up or down depending on market conditions.

We do not guarantee returns on any mutual fund scheme.

3. Insurance Distribution Disclosure (IRDAI Compliance)

[Your Business Name] is engaged in the distribution of insurance products.

  • IRDAI License No: [Insert License Number]
  • Category: Individual / Corporate Agent / POSP
  • Validity Period: [Insert Validity]

We act as an insurance distributor and earn commission from insurance companies as per IRDAI regulations.

Important Insurance Disclosure:

  • Insurance is a subject matter of solicitation.
  • The information provided on this website is for general guidance only.
  • Policy terms and conditions, inclusions, exclusions, and benefits are governed by the policy document issued by the insurer.
  • Customers are advised to read the policy wording carefully before purchasing.

We do not guarantee claim settlement. Claim decisions are solely at the discretion of the insurance company.

4. Loan / Credit Products Disclosure

We may facilitate loan products offered by banks and NBFCs.

  • Approval of loans is subject to eligibility criteria and credit assessment by the respective financial institution.
  • Interest rates, processing fees, and terms are decided by the lender.
  • We may earn referral fees or commissions from lending institutions.

We do not guarantee loan approval.

5. No Guaranteed Returns Policy

We do not provide:

  • Assured returns on market-linked products
  • Capital protection guarantees unless explicitly stated by the product provider
  • Misleading or exaggerated claims

All investment and insurance decisions should be made after understanding risks involved.

6. Conflict of Interest Disclosure

We may receive commissions or incentives from product manufacturers. However:

  • Product recommendations are based on client suitability.
  • We aim to act in the best interest of our clients.

Clients are encouraged to ask for detailed commission disclosure at the time of transaction.

7. Risk Factors

Financial products including mutual funds, market-linked insurance products, and investments carry risks including:

  • Market risk
  • Credit risk
  • Liquidity risk
  • Interest rate risk

Clients should assess their risk appetite before investing.

8. Grievance Redressal

If you have any complaints or grievances, you may contact:

[Your Business Name]
Email: [Insert Email]
Phone: [Insert Contact Number]

If not resolved, you may escalate to:

9. Declaration

The information provided on this website is for informational purposes only and does not constitute investment advice, solicitation, or offer to buy/sell financial products unless specifically stated.