Disclaimer.
Read before investing.

01

Investment Risk Disclosure

Investments in mutual funds, equity shares, fixed income instruments, insurance products, and other financial products are subject to various types of risk. These include, but are not limited to:

• Market risk — the value of investments may fall due to broader market movements, economic conditions, or geopolitical events
• Credit risk — the possibility that an issuer of debt instruments may be unable to meet its obligations
• Liquidity risk — certain investments may not be readily redeemable at the time or price you wish
• Interest rate risk — changes in interest rates can adversely affect the value of fixed income investments
• Inflation risk — returns may not keep pace with inflation over time
• Concentration risk — holding a large proportion of one asset or sector increases exposure to any single adverse event

The value of your investments may go up or down. There is no assurance that you will receive back the amount you invest. Prospective investors should carefully consider investment objectives, risks, and charges before investing.

02

No Guarantee of Returns

Hemvan Wealth Advisory does not promise, project, or guarantee any specific rate of return on any investment or financial product. Any figures mentioned during consultations, planning sessions, or in documents prepared for clients are projections based on stated assumptions. These assumptions may include expected inflation rates, assumed market returns, and personal parameters provided by the client.

Actual results may differ materially from projections. Changes in market conditions, taxation, personal circumstances, or regulation can alter outcomes significantly. Projections are tools to support planning decisions and are not commitments of any kind.

03

Past Performance

Past performance of any investment product, mutual fund scheme, strategy, or portfolio does not indicate or guarantee future results. Performance data referenced in any illustrations, case studies, or advisory materials on this website is sourced from publicly available historical records.

Historical performance is provided for reference only. Returns from financial markets are inherently variable, and performance in any past period is not a reliable predictor of what may happen in a different period. You should not make investment decisions based solely on historical performance data.

04

General Nature of Information

Information published on this website is general in nature and is intended for awareness and educational purposes only. It does not take into account your specific financial position, investment objectives, tax situation, risk tolerance, family obligations, or investment horizon.

Nothing on this website should be construed as personalized financial advice, a solicitation to invest, or a recommendation to buy or sell any specific financial product. Before making any investment decision, speak with a qualified financial advisor who can consider your complete personal situation.

05

SEBI and Regulatory Compliance

Hemvan Wealth Advisory operates in accordance with applicable regulations, including guidelines issued by the Securities and Exchange Board of India (SEBI), the Association of Mutual Funds in India (AMFI), and the Insurance Regulatory and Development Authority of India (IRDAI), as relevant to the nature of products and services involved.

Clients are required to complete Know Your Customer (KYC) formalities before any investment transaction. We follow anti-money laundering (AML) and client suitability norms as prescribed by applicable regulatory frameworks. Client funds are not handled directly by Hemvan; all investments are processed directly through the relevant fund houses, insurance companies, or authorized platforms.

For queries regarding regulatory compliance or to verify registrations, you may contact the relevant regulator:

• SEBI: sebi.gov.in
• AMFI: amfiindia.com
• IRDAI: irdai.gov.in

06

Third-Party Products

Hemvan Wealth Advisory may recommend financial products issued or managed by third parties, including mutual fund houses (AMCs), insurance companies, and other regulated institutions. We act in an advisory or distribution capacity; we do not operate, manage, or control these products.

The performance, terms, and conditions of any third-party product are determined solely by the respective product issuer. Hemvan is not responsible for the performance of third-party products, changes to their terms, or any disputes arising from them. Any grievances regarding a specific product should be directed to the relevant fund house, insurer, or their grievance redressal mechanism.

Our recommendations are based on publicly available information, fund house disclosures, and our assessment of suitability to your profile. We disclose commissions or fees wherever applicable, as required by regulation.

07

Tax and Legal Advice

Nothing on this website, and nothing communicated during an advisory engagement unless expressly stated in a written agreement, constitutes tax advice or legal advice. Tax laws in India are subject to frequent change, and the tax treatment of any investment depends on your individual financial situation, the applicable assessment year, and the provisions of the Income Tax Act, 1961, and other relevant statutes.

If tax planning forms part of your financial objectives, we strongly recommend consulting a qualified Chartered Accountant or tax advisor before making investment decisions with a tax-efficiency goal. Similarly, for estate planning, succession, or legal structuring, you should seek independent legal counsel.

Hemvan may work alongside your existing tax or legal advisors to provide an integrated financial strategy, but we do not take responsibility for tax outcomes or legal consequences arising from investment decisions.

08

Forward-Looking Statements

This website or materials produced by Hemvan may contain statements about future expectations, market conditions, economic trends, or investment opportunities. These statements are based on our views at a particular point in time and reflect information then available to us.

Such statements are not facts and are subject to known and unknown risks and uncertainties. Actual market conditions, economic outcomes, or investment results may differ materially from what is anticipated. You should not rely on forward-looking statements as a basis for any financial decision.

09

Accuracy of Information

We make reasonable efforts to ensure that information on this website is accurate, current, and fairly presented. However, we cannot warrant the completeness, accuracy, or timeliness of all content. Market data, regulatory requirements, and product information may change after publication without notice.

Hemvan Wealth Advisory accepts no liability for any errors or omissions in the content of this website, or for any loss suffered as a result of reliance on information that was accurate at the time of publication but has since changed.

If you notice any inaccuracy on this website, please bring it to our attention at Hemvanadvisory1@gmail.com and we will review it promptly.