Regulatory Disclaimers & Disclosures

WiseNest Wealth is an AMFI-registered Mutual Fund Distributor (ARN-370237). We are engaged in the business of distributing mutual fund schemes launched by SEBI-registered Asset Management Companies in India.

Investors should evaluate schemes based on their individual risk appetite, investment horizon, financial goals, and tax situation, or consult their independent tax or legal professionals prior to transacting.

The Net Asset Value (NAV) of units issued under mutual fund schemes can fluctuate upwards or downwards depending upon the forces and factors affecting the securities markets:

• Equity & Market Risk: Equity schemes are subject to price volatility, macroeconomic cycles, sector downturns, government policies, and global market shocks.
• Interest Rate & Credit Risk: Debt schemes are vulnerable to interest rate movements, credit default risks, rating downgrades of underlying debt instruments, and liquidity constraints.
• Liquidity & Exit Load Risk: Certain schemes (e.g. ELSS tax-savers, close-ended funds) have statutory lock-in periods or impose exit loads on premature redemption.

WiseNest Wealth makes no assurance, warranty, or guarantee, express or implied, regarding:

• Achieving targeted financial milestones or future returns on mutual fund investments.
• The safety or preservation of invested capital.
• Regularity or quantum of dividends/IDCW payouts by respective mutual fund schemes.

In accordance with SEBI circulars (including SEBI/HO/IMD/DF2/CIR/P/2018/137) and the AMFI Code of Conduct for Mutual Fund Intermediaries:

Investors have the option to invest in Direct Plans of mutual funds directly with AMCs without an intermediary. Direct plans have lower expense ratios as they do not involve distributor commissions. A detailed breakdown of commissions earned across various AMC schemes is readily provided to clients upon request.

Financial calculators, SIP growth calculators, lumpsum projections, inflation models, and retirement estimators provided on this website are designed strictly for illustrative and educational purposes:

• Calculations are based on user-supplied parameters and assumed mathematical compound growth rates (e.g. 10%, 12%, 15% CAGR).
• These calculations do not account for market fluctuations, scheme-level expense ratios, exit loads, or individual tax obligations (such as Capital Gains Tax / STCG / LTCG).
• Calculator outputs do not represent promises or guarantees of final wealth accumulation.

While we endeavor to provide accurate and updated information, scheme details, NAV data feeds, market statistics, and AMC fact sheets are sourced from third-party feeds, AMFI databases, and respective mutual fund portals:

WiseNest Wealth makes no representations or warranties regarding the absolute completeness, timeliness, or real-time accuracy of third-party market data. Investors are encouraged to cross-verify latest NAVs and scheme metrics with the official AMC portals or AMFI India website before transacting.

To the maximum extent permitted by applicable Indian law, WiseNest Wealth, its proprietors, partners, employees, and authorized agents shall not be liable for any direct, indirect, incidental, punitive, special, or consequential damages, losses, or expenses arising from:

• Investment decisions or financial transactions undertaken based on the content or calculations of this website.
• Technical interruptions, server downtime, telecommunication failures, or delays in online transaction processing.
• Market movements, capital deprecation, or macroeconomic market risks.

For regulatory verifications, compliance queries, or detailed commission disclosures, please contact our compliance desk: