Investment Disclaimer

1. General Disclaimer

This disclaimer applies to all services provided by NovaRock Advisory (AMFI ARN-344268) and all information provided on our website, in communications, presentations, and consultations. By using our services, you acknowledge and accept the terms of this disclaimer.

2. Nature of Advisory Services

2.1 Distribution Services

NovaRock Advisory is registered as a mutual fund distributor with AMFI (Association of Mutual Funds in India) under ARN-344268. We are authorized to distribute mutual fund products and provide advisory services related to mutual fund investments.

2.2 Not Portfolio Managers

We are not registered as Portfolio Managers with SEBI. We do not manage portfolios on a discretionary basis. All investment decisions require your explicit approval and authorization.

2.3 Limited Scope

Our services are limited to:

• Providing information and guidance on mutual fund products
• Assessing your financial goals and risk profile
• Recommending suitable mutual fund schemes
• Facilitating investment transactions
• Providing periodic portfolio reviews

3. Investment Risk Disclosures

3.1 Market Risks

3.2 Specific Investment Risks

Different types of mutual funds carry different risk profiles:

• Equity Funds: High risk due to stock market volatility; suitable for long-term investors with high risk tolerance
• Debt Funds: Subject to interest rate risk, credit risk, and liquidity risk
• Hybrid Funds: Combination of equity and debt risks
• International Funds: Additional currency and geopolitical risks
• Sector/Theme Funds: Concentrated exposure to specific sectors; higher volatility
• Small/Mid Cap Funds: Higher volatility compared to large cap funds

3.3 Systemic Risks

Your investments may be affected by:

• Economic conditions and business cycles
• Government policies and regulatory changes
• Political instability and geopolitical events
• Natural disasters and pandemics
• Changes in interest rates and inflation
• Currency fluctuations (for international investments)

4. No Guarantee of Returns

4.1 Performance Disclaimer

We do not guarantee any specific returns or profits from investments. Any projected returns, illustrations, or historical performance data provided are for informational purposes only and should not be construed as a guarantee of future performance.

4.2 Past Performance

Past performance of mutual funds or investment strategies is not indicative of future results. Historical returns should not be the sole basis for making investment decisions.

4.3 Hypothetical Projections

Any hypothetical returns or projections shown in our calculators or presentations are based on assumptions that may not materialize. Actual returns may vary significantly from projections.

5. Information Accuracy and Reliability

5.1 Best Efforts

While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy, completeness, or reliability of all information provided. Information is obtained from sources we believe to be reliable, but we do not independently verify all information.

5.2 Third-Party Information

We may rely on information provided by mutual fund companies, research agencies, and other third parties. We are not responsible for errors or omissions in such third-party information.

5.3 Market Information

Market information, NAVs, and fund performance data are subject to change. We recommend verifying current information before making investment decisions.

6. Suitability and Personal Circumstances

6.1 Individual Assessment

Our recommendations are based on the information you provide about your financial situation, goals, and risk tolerance. The suitability of any investment depends on your complete financial picture, which may include factors unknown to us.

6.2 Your Responsibility

You are responsible for:

• Providing accurate and complete information about your financial situation
• Evaluating whether recommendations are suitable for your circumstances
• Making your own independent investment decisions
• Reading and understanding all scheme documents before investing
• Monitoring your investments regularly

6.3 Independent Advice

We recommend consulting with tax advisors, legal counsel, or other financial professionals regarding specific aspects of your financial planning that fall outside our scope of services.

7. Tax Implications

7.1 Tax Guidance

Any information provided regarding tax implications is general in nature and should not be considered as tax advice. Tax laws are subject to change, and individual tax situations vary.

7.2 Consult Tax Professionals

We strongly recommend consulting with qualified tax professionals regarding the tax implications of your investments and financial decisions.

8. Conflict of Interest Disclosure

8.1 Commission-Based Compensation

As a mutual fund distributor, we receive commissions from mutual fund companies for investments made through us. This creates a potential conflict of interest as we may have an incentive to recommend products that provide higher commissions.

8.2 Our Commitment

Despite the commission structure, we are committed to recommending investments that are suitable for your financial goals and risk profile. We maintain transparency about our compensation structure and strive to act in your best interests.

9. Regulatory Compliance

9.1 SEBI Regulations

Our services are subject to SEBI (Securities and Exchange Board of India) regulations and guidelines. We operate in compliance with all applicable laws and regulations governing mutual fund distribution.

9.2 AMFI Registration

We are registered with AMFI under ARN-344268. Our registration is subject to periodic renewal and compliance with AMFI requirements.

9.3 Regulatory Changes

Regulations governing mutual funds and financial services are subject to change. Such changes may affect your investments or our ability to provide certain services.

10. Limitation of Liability

10.1 Investment Losses

We shall not be liable for any losses you may incur from your investments. Investment decisions are ultimately your responsibility, and you bear the risk of any losses.

10.2 Information Errors

We are not liable for any losses arising from errors or omissions in information provided, except in cases of gross negligence or willful misconduct on our part.

10.3 Third-Party Actions

We are not responsible for actions or failures of third parties, including mutual fund companies, banks, registrars, or other service providers.

11. Website and Calculator Disclaimers

11.1 Informational Purpose

All content on our website, including articles, calculators, and tools, is provided for informational purposes only and should not be considered as investment advice or recommendations.

11.2 Calculator Results

Results from our financial calculators are estimates based on the inputs provided and assumed rates of return. Actual results may vary significantly. Calculator results should not be the sole basis for making investment decisions.

11.3 Technical Issues

We are not responsible for any losses or damages arising from technical issues with our website, including but not limited to interruptions, delays, or data transmission errors.

12. Insurance Products

If we provide guidance on insurance products, please note that insurance products are subject to their own terms, conditions, and risks. We are not insurance brokers and may have limitations in the scope of insurance advice we can provide.

13. Changes to Services and Disclaimer

We reserve the right to modify our services, terms, and this disclaimer at any time. Material changes will be communicated through our website or directly to clients.

14. Independent Research

We encourage you to conduct your own research and due diligence before making investment decisions. You should read all scheme information documents, statement of additional information, and key information memorandums provided by mutual fund companies.

15. Grievance Redressal

If you have any complaints or concerns:

• First Contact Us: Email us at singhjasvinder5@outlook.com or call +91 9468365162
• SEBI SCORES: If unresolved, register complaints at https://scores.gov.in
• AMFI: Contact AMFI at https://www.amfiindia.com for distributor-related issues
• Investor Helpline: 1800-266-0777 (AMFI Investor Helpline)

16. Contact Information