Terms & Conditions

Welcome to NovaRock Advisory. These Terms and Conditions govern your access to this website and the use of my professional services. By accessing this platform or engaging my advisory practice, you agree to be bound by these terms. If you do not agree with any part of these terms, please discontinue using this website and my services.

1. Definitions

In these Terms and Conditions:

• "I," "me," "my," "NovaRock Advisory" refers to Jasvinder Singh operating as NovaRock Advisory, holding AMFI ARN-344268 and IRS PTIN P03472019
• "You," "your," "client" refers to the individual user or client engaging my services
• "Services" refers to mutual fund distribution, portfolio planning, financial advisory guidance, US/NRI tax return preparation, and related professional services provided by me
• "Website" refers to novarockadvisory.com and all associated web pages
• "Agreement" refers to these Terms and Conditions along with any specific written service engagement letters

2. Services Provided

2.1 Nature of Services

I provide the following professional services:

• Mutual fund distribution and goal-based asset allocation guidance
• Investment portfolio review and long-term capital allocation planning
• Retirement planning and corpus structuring
• Need-based term and health insurance guidance
• Domestic Indian tax planning strategies and LTCG harvesting guidance
• US Federal Tax Return preparation for NRIs, H-1B/L-1 visa holders, and cross-border clients under India-US DTAA provisions
• General personal financial planning and capital structuring

2.2 Regulatory Compliance

I operate as an individual Mutual Fund Distributor registered with AMFI under ARN-344268 (EUIN E655156) and as an active US Internal Revenue Service (IRS) Registered Tax Preparer holding PTIN P03472019. All services are conducted in compliance with SEBI regulations, AMFI code of conduct, IRS standards, and applicable Indian and US federal statutes.

3. Client Obligations and Responsibilities

3.1 Accurate Information

You agree to:

• Provide accurate, complete, and truthful information regarding your financial circumstances, income streams, tax records, investment goals, and risk tolerance
• Promptly notify me of any material changes in your residency status, tax classification, or financial profile
• Complete all required Know Your Customer (KYC), Anti-Money Laundering (AML), and regulatory identification procedures accurately
• Maintain active and updated contact details on record

3.2 Decision Making

• You acknowledge that all investment execution decisions remain ultimately your independent responsibility
• My recommendations are formulated based on the information you provide and prevailing statutory/market conditions
• You retain full authority to accept, modify, or reject any allocation proposal
• You should conduct independent due diligence and review official scheme documents before authorizing transactions

3.3 Legal Capacity

By engaging my services, you confirm that you are of legal age (18 years or older) and possess full legal capacity to enter into binding agreements under applicable law.

4. Fees and Charges

4.1 Compensation Structure

My compensation model includes:

• Distribution Commissions: Commissions paid directly by Asset Management Companies (AMCs) for mutual fund scheme distributions
• Professional Service Fees: Agreed-upon fees for dedicated cross-border US tax return preparation (Form 1040, Form 1040-NR, FBAR, FATCA) or comprehensive financial plans
• Trail Commissions: Ongoing commissions based on mutual fund assets maintained under ARN-344268

4.2 Fee Disclosure

All professional tax preparation charges, advisory fees, and commission models are disclosed prior to formal service engagement. Full transparency is maintained regarding all commercial terms.

4.3 Third-Party Charges

You remain responsible for statutory third-party charges levied by Asset Management Companies, Registrar and Transfer Agents (RTAs like CAMS/KFintech), banking channels, payment gateways, or government tax departments, including exit loads, transaction charges, and statutory taxes.

5. Investment Risks and Disclaimers

5.1 Market Risks

You acknowledge and agree that:

• All market-linked investments carry risk of capital loss and market volatility
• Past performance metrics are strictly historical and do not guarantee future performance
• Macroeconomic trends, interest rate movements, and regulatory changes can affect fund values
• Net Asset Values (NAVs) fluctuate according to underlying market movements

5.2 No Guaranteed Returns

NovaRock Advisory makes no promises, guarantees, or assurances of fixed, minimum, or benchmark returns. Numerical illustrations and calculator outputs on novarockadvisory.com are hypothetical mathematical models intended for educational planning only.

5.3 Suitability Assessment

My recommendations are tailored to the risk profiles and goals stated by you. Long-term suitability depends on maintaining an accurate balance-sheet overview, which should be reviewed periodically.

6. Limitation of Liability

6.1 Scope of Liability

To the maximum extent permitted by applicable law:

• I shall not be held liable for capital losses, portfolio drawdowns, or opportunity costs resulting from market movements
• My liability shall be strictly limited to cases of proven gross negligence or deliberate willful misconduct
• I carry no liability for losses arising from statutory tax code revisions, regulatory changes, or force majeure events
• I am not liable for processing delays, technical downtime, or errors caused by external platforms (AMCs, RTAs, IRS e-file portals, or Indian Income Tax systems)

6.2 Maximum Liability

Under all circumstances, NovaRock Advisory's total cumulative liability for any claim arising out of these terms shall not exceed the total professional fees paid by you to me during the 12 months immediately preceding the claim event.

7. Confidentiality and Data Protection

7.1 Client Information Safeguards

I protect your financial, personal, and tax information in accordance with my Privacy Statement, SEBI guidelines, and applicable Indian and US privacy standards. Sensitive records are maintained under secure cryptographic and physical controls.

7.2 Authorized Disclosures

Client information is disclosed only when necessary to execute services or comply with law:

• To Asset Management Companies (AMCs) and RTAs for folio creation and transaction settlement
• To statutory bodies including SEBI, AMFI, Income Tax Department, or US IRS pursuant to lawful mandates
• To secure filing and technical platforms operating under strict confidentiality agreements
• When explicitly authorized by you in writing

8. Intellectual Property

8.1 Ownership

All original content on novarockadvisory.com—including text, research notes, calculators, frameworks, graphics, and underlying code—is the property of NovaRock Advisory and protected by intellectual property laws.

8.2 Limited License

You are granted a non-exclusive, non-transferable, revocable license to access this platform for personal, non-commercial use. You agree not to copy, scrape, distribute, or reverse-engineer any portion of this website or its calculation engines without prior written consent.

9. Termination of Services

9.1 Termination by Client

You may terminate an advisory relationship at any time by providing written notice. Termination takes effect upon the completion of pending transactions and full settlement of any outstanding service fees.

9.2 Termination by NovaRock Advisory

I reserve the right to suspend or terminate services immediately if:

• You breach these Terms and Conditions or associated engagement agreements
• You provide inaccurate, fraudulent, or deliberately misleading information
• You engage in abusive or unprofessional conduct
• Required to do so by legal or regulatory authorities

9.3 Effect of Termination

Upon termination, active advisory support ceases, and records will be maintained or transitioned in compliance with statutory guidelines. You remain responsible for any accrued professional fees prior to termination.

10. Website Use and Restrictions

10.1 Acceptable Conduct

When using this website, you agree not to:

• Use the platform for unlawful, deceptive, or unauthorized activities
• Attempt unauthorized access to server infrastructure, databases, or client portals
• Introduce viruses, malicious code, or disruptive software
• Scrape, harvest, or extract data from proprietary tools without permission

10.2 Online Diagnostic Tools

All online calculation tools (SIP, Lumpsum, Retirement, Tax Leakage Estimators) are illustrative planning models. They do not constitute formal binding commitments or individual tax advice.

11. Third-Party Links and External Portals

This website includes verification links to regulatory and external platforms (AMFI, IRS, SEBI SCORES, Google Maps). I do not control and am not responsible for the content, availability, or privacy practices of external third-party portals.

12. Revisions to Terms

I reserve the right to update these Terms and Conditions periodically to reflect regulatory updates or operational changes. Revised terms will be posted directly to this page with an updated effective date. Continued use of this website or my services constitutes acceptance of the modified terms.

13. Dispute Resolution

13.1 Grievance Redressal

In the event of any dispute or concern, please contact my compliance desk first. I aim to address and resolve all client matters amicably within 30 business days.

13.2 Arbitration

Any unresolved dispute arising out of or related to this agreement shall be submitted to arbitration in accordance with the Indian Arbitration and Conciliation Act, 1996. The seat and venue of arbitration shall be Kurukshetra, Haryana, India.

13.3 Governing Law & Jurisdiction

These Terms and Conditions are governed by the laws of India. The courts in Kurukshetra, Haryana shall hold exclusive jurisdiction over any legal proceedings.

14. Regulatory Grievance Mechanisms

For unresolved concerns regarding mutual fund distribution services, clients may register complaints through official regulatory portals:

• SEBI SCORES Portal: https://scores.gov.in
• AMFI Grievance Portal: https://www.amfiindia.com

15. Force Majeure

Neither party shall be held liable for service delays or failure to perform resulting from causes beyond reasonable control, including natural disasters, governmental actions, banking network outages, telecommunication failures, or systemic emergencies.

16. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be severed, and all remaining provisions shall remain fully enforceable.

17. Entire Agreement

These Terms and Conditions, along with my Privacy Statement and any specific written client engagement letters, constitute the entire agreement between you and NovaRock Advisory regarding the use of this website and advisory services.

18. Contact Information

If you have questions or require clarification regarding these Terms and Conditions, please contact me directly: