Terms & Conditions

1. Nature of Services

ArthaNivesh is operated by Aditya Agrawal, an AMFI-registered Mutual Fund Distributor (ARN-319248). We provide:

- Mutual fund distribution services under AMFI/SEBI regulations
- Insurance advisory and distribution services
- Portfolio Management Services distribution
- Financial planning and advisory services
- Educational content and financial calculators for informational purposes

We are NOT a SEBI-registered Investment Adviser (RIA). Our services are distribution-based, and we may receive commissions from AMCs, insurance companies, and PMS providers for products distributed through us.

2. Regulatory Disclaimers

Mutual Funds: Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future results. No guaranteed returns are promised or implied. Returns shown in examples and calculators are illustrative only.

Insurance: Insurance is subject to the terms, conditions, and exclusions of the respective policy documents. Please read the policy documents carefully before purchasing.

PMS: Portfolio Management Services involve significant risk including possible loss of principal. Minimum investment of ₹50 lakhs applies as per SEBI guidelines.

SIF: Specialised Investment Funds involve higher risk including use of derivatives and short-selling. Suitable only for sophisticated investors.

General: No content on this website constitutes investment, tax, or legal advice. Always consult a qualified professional before making financial decisions.

3. Use of Website

You agree to use this website only for lawful purposes and in a manner that does not:
- Infringe the rights of others
- Transmit any harmful, offensive, or fraudulent content
- Attempt to gain unauthorised access to our systems
- Use automated tools to scrape or download website content
- Impersonate any person or entity

We reserve the right to terminate access for any violation of these terms.

4. Intellectual Property

All content on this website — including text, graphics, logos, images, and code — is the property of ArthaNivesh/Aditya Agrawal unless otherwise stated. You may not reproduce, distribute, or commercially exploit any content without prior written permission.

Calculator tools and financial models are provided for personal, non-commercial use only.

5. Accuracy of Information

We endeavour to keep information on this website accurate and up-to-date. However:

- Financial data, fund information, and market data may not be real-time or current
- Calculator results are illustrative and based on assumed inputs — actual results will vary
- Regulatory information reflects our understanding at the time of publication — regulations change
- We accept no liability for decisions made based on information on this website

6. Third-Party Links

This website contains links to third-party websites (AMCs, insurance portals, AMFI, SEBI, etc.). We are not responsible for the content, accuracy, or privacy practices of linked websites. The inclusion of any link does not imply endorsement.

7. Limitation of Liability

To the maximum extent permitted by law, ArthaNivesh and Aditya Agrawal shall not be liable for:

- Any investment losses arising from your financial decisions
- Errors or omissions in website content
- Technical failures, downtime, or data loss
- Unauthorised access to your data despite reasonable security measures
- Consequential, indirect, or punitive damages of any kind

Our total liability for any claim shall not exceed the fees paid by you to us in the 12 months preceding the claim.

8. Conflict of Interest Disclosure

As a mutual fund distributor, insurance advisor, and PMS distributor, we receive commissions/fees from product manufacturers (AMCs, insurance companies, PMS providers). This creates a potential conflict of interest. We are committed to recommending products in your best interest despite these commissions, and we disclose commission structures on request.

9. Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in India. For regulatory complaints, you may contact AMFI (www.amfiindia.com), SEBI (www.sebi.gov.in), or IRDAI (www.irdai.gov.in).

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of our services after changes are posted constitutes acceptance of the revised Terms.

11. Contact

For queries regarding these Terms:

Aditya Agrawal
Email: contact@aditya-agrawal.in
Phone: +91 80739 61238
Website: www.aditya-agrawal.in
ARN: 319248

SEBI/AMFI Mandated Disclaimer: Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future results. Aditya Agrawal is an AMFI-registered Mutual Fund Distributor (ARN-319248). No guaranteed returns are promised anywhere on this website.