Investment Disclaimer

1. General Disclaimer

This disclaimer applies to all services provided by NovaRock Advisory (AMFI ARN-344268 | IRS PTIN P03472019) and all information provided on our website, in official communications, publications, research briefs, financial models, and consultations. By accessing our platform or engaging our services, you acknowledge and agree to the terms of this disclaimer.

2. Nature of Advisory Services

2.1 Distribution and Guidance Services

NovaRock Advisory is registered as a mutual fund distributor with the Association of Mutual Funds in India (AMFI) under ARN-344268 (EUIN E655156). We are authorized to distribute mutual fund schemes and provide non-discretionary asset allocation advice derived from your stated objectives.

2.2 Not Discretionary Portfolio Managers

We do not operate as discretionary Portfolio Management Service (PMS) providers under SEBI rules. We do not hold client funds directly, nor do we execute trades on your behalf without your explicit prior authorization and instruction.

2.3 Limited Scope of Practice

Our advisory scope encompasses:

• Evaluating mutual fund schemes, asset allocation models, and capital growth strategies
• Conducting risk tolerance profiling and financial goal alignment audits
• Recommending suitable mutual fund schemes aligned with your balance sheet metrics
• Facilitating transaction execution via authorized RTAs (CAMS, KFintech) and AMCs
• US Federal Tax Return preparation for NRIs and cross-border clients under active IRS PTIN authorization (P03472019)
• Providing periodic asset review and capital gains tax-harvesting guidance

3. Investment Risk Disclosures

3.1 Market Risks

3.2 Asset Category Risk Profiles

Investment categories carry distinct risk mechanics:

• Equity Funds: High price volatility driven by market momentum; suitable primarily for long-term growth horizons
• Debt Funds: Subject to interest rate fluctuations, credit default risks, and duration risks
• Hybrid Funds: Combined equity and debt risk factors governed by asset rebalancing rules
• International & Offshore Funds: Exposed to foreign exchange fluctuations, sovereign policy risk, and DTAA tax treatment changes
• Sectoral & Thematic Funds: Concentrated risk exposure tied to single-industry performance cycles
• Mid & Small-Cap Funds: Higher volatility and liquidity drawdowns compared to established large-cap benchmarks

3.3 Macroeconomic & Systemic Risk Vectors

Portfolio holdings may be impacted by systemic factors beyond firm control, including:

• Global economic cycles, recessionary trends, and inflation volatility
• Regulatory policy updates from SEBI, RBI, Income Tax Department, or US IRS
• Geopolitical developments, currency fluctuations, and trade policy shifts
• Banking network disruptions, market liquidity squeezes, and systemic force majeure events

4. No Guarantee of Returns

4.1 Performance & Alpha Disclaimer

NovaRock Advisory makes no claims, guarantees, or contractual promises of fixed, minimum, or target returns. All illustrations, backtested models, and research notes are strictly educational.

4.2 Historical Metrics

Historical performance data of mutual fund categories or benchmark indices cannot be relied upon as a guarantee for future portfolio outcomes.

4.3 Analytical Model Outputs

All projections generated by digital calculation tools on novarockadvisory.com (SIP, Lumpsum, Goal Engine, Tax Leakage Estimator) are mathematical estimations based on user-defined inputs. They do not constitute binding financial outcomes or formal legal tax advice.

5. Information Accuracy and Reliability

5.1 Analytical Due Diligence

While information presented on our site is compiled from reputable industry databases, AMC factsheets, and regulatory circulars, we do not independently guarantee absolute technical precision or real-time completeness of third-party feeds.

5.2 Third-Party Market Data

Data points sourced from fund houses, rating agencies, or government portals are published in good faith. NovaRock Advisory accepts no liability for errors or omissions originating from external primary data providers.

6. Client Suitability & Personal Responsibility

6.1 Contextual Profile Reliance

Our asset strategies are derived exclusively from the financial profile details, income metrics, tax parameters, and goals disclosed by you. Omission of material financial data may alter the suitability of recommended allocations.

6.2 Independent Decision Authority

As a client, you maintain full authority to accept, modify, or decline any strategy proposal. You are responsible for:

• Disclosing complete, accurate, and updated financial metrics
• Evaluating whether recommended allocations match your long-term liquidity needs
• Reviewing all Scheme Information Documents (SID) and Key Information Memorandums (KIM) before executing transactions
• Monitoring long-term asset alignment periodically

7. Tax Planning & Cross-Border Guidance

7.1 General Nature of Tax References

Tax guidance regarding Indian domestic laws (LTCG harvesting, 80C, regime selection) and US federal filings (Form 1040, FBAR, DTAA treaties) is based on prevailing statutory codes. Because tax legislation updates frequently, individual tax liabilities depend on full personal tax filings.

7.2 Dedicated Filings

Formal cross-border tax return preparation requires a dedicated service engagement under active PTIN credentials (P03472019) with complete documentation review.

8. Compensation & Conflict Disclosure

8.1 Commission Models

As an AMFI-registered distributor (ARN-344268), NovaRock Advisory receives distribution commissions directly from Asset Management Companies for scheme placements. Commission structures are fully transparent and available upon request.

8.2 Client-First Commitment

We adhere to strict suitability standards, recommending scheme allocations based on client goal alignment rather than distributor commission variances.

9. Regulatory Compliance Framework

9.1 SEBI & AMFI Compliance

All mutual fund distribution and advisory services adhere strictly to SEBI (Investment Advisers / Distributors) Regulations and AMFI code of conduct standards under ARN-344268 (EUIN E655156, valid through September 18, 2028).

9.2 IRS Registered Tax Preparer Status

US federal tax return preparation services are delivered under active IRS PTIN authorization P03472019 in compliance with US Department of Treasury regulations.

10. Limitation of Liability

To the maximum extent allowed under applicable law:

• NovaRock Advisory and its principal advisor shall not be held liable for capital losses or drawdowns resulting from market movements
• Liability for service delivery errors shall be strictly limited to cases of proven gross negligence or deliberate misconduct
• We assume no liability for platform delays, AMC portal downtime, or third-party processing disruptions

11. Website Calculators & Interactive Tools

All online diagnostic tools, quiz engines, and financial calculators published on novarockadvisory.com serve educational planning purposes only. Outputs do not represent binding investment commitments or guaranteed yields.

12. Insurance Advisory Notice

Insurance guidance focuses on pure risk-transfer, human life value calculation, and health cover needs. Insurance policies are governed by individual underwriter contracts, terms, and conditions.

13. Modifications to Disclaimer

We reserve the right to revise this disclaimer periodically to reflect evolving legal frameworks or business practices. Continued site access implies acceptance of updated terms.

14. Independent Research Recommendation

Clients are encouraged to review official scheme offer documents, Statement of Additional Information (SAI), and regulatory notices prior to approving any capital allocation.

15. Grievance Redressal Mechanisms

In the event of any concern or dispute, please contact our compliance desk first:

• Primary Desk Contact: contact@novarockadvisory.com | +91 9468365162
• SEBI SCORES Portal: https://scores.gov.in
• AMFI Directory & Redressal: https://www.amfiindia.com

16. Compliance & Contact Desk