Disclaimer

Effective Date: 19th May, 2025

Applicable To: All Users and Visitors of www.finiqus.com

Issued By: Finiqus (Investment Management Firm)

1. Purpose of This Disclaimer

This Disclaimer governs your access to and use of the website of Finiqus (www.finiqus.com / www.finiqus.in) including any content, tools, data, or services made available through this platform. The document aims to clarify that any information made available through the website is for informational purposes only and must not be considered legal, financial, tax, or investment advice unless expressly mentioned.

You are expected to read this Disclaimer in full before relying on any information provided on the site. By using or accessing this website, you agree to be bound by this Disclaimer in full.

If you do not agree with any part of this Disclaimer, you must refrain from using this website or acting upon any information derived from it.

2. No Professional Advice

The contents published on this website are intended solely to provide general guidance on financial topics that users may find helpful. Nothing on the website constitutes or should be interpreted as:

• Investment advice
• Financial planning advice
• Legal or tax advice
• Professional fiduciary guidance
• Business, insurance, or estate advice

Finiqus does not represent itself as a certified financial planner, chartered accountant, registered investment advisor, tax consultant, or legal counsel unless specified explicitly in the context of a formal client engagement.

If you are considering any financial or investment action, you are urged to consult with a qualified professional who understands your individual circumstances. Website content cannot replace personalized advice.

3. No Client Relationship or Engagement

Your use of the website does not establish any kind of advisor-client relationship with Finiqus or its representatives. Accessing or reading articles, using calculators or tools, or submitting general queries via contact forms does not imply that you have hired or retained Finiqus for financial consulting or advisory services.

Formal engagement with Finiqus requires a written and mutually agreed engagement agreement signed by both parties. Without this written agreement, no legal or professional relationship exists.

No advice shall be deemed given unless explicitly provided under such a signed agreement or where required by regulation or contractual obligation.

4. Accuracy of Information

The information on the website is compiled from sources believed to be reliable and accurate at the time of publication. Every effort is made to maintain up-to-date, relevant, and practical content. Nevertheless:

• Market dynamics are subject to change.
• Regulatory laws are updated regularly.
• Product features and benefits may change over time.
• Financial tools and calculators are based on generalized assumptions.

Finiqus makes no warranty regarding the completeness, accuracy, or timeliness of the information. You are responsible for verifying any data before relying on it.

Finiqus shall not be held liable for any errors or omissions in the content. No liability will arise from any decision made or action taken based on the information on this website.

5. Performance Data and Illustrations

Any charts, graphs, case studies, or performance data provided on the website are intended for educational and illustrative purposes only. These are not promises or guarantees of actual results.

Illustrative content includes hypothetical returns, assumptions on compounding, past performance records of mutual funds or markets, and investor anecdotes. These are included to demonstrate concepts and should not be used to predict or expect identical results in any specific investment scenario.

Past performance is not indicative of future returns. Investments are subject to market risk, interest rate risk, credit risk, and other factors which cannot be entirely eliminated or forecasted.

6. Investment Products and Risk Disclosures

Finiqus distributes and advises on financial products including, but not limited to:

• Mutual Funds
• Systematic Investment Plans (SIPs)
• Systematic Transfer Plans (STPs)
• Retirement Plans
• Tax Saving Instruments

Each of these products carries its own risk characteristics. This website does not provide a complete risk disclosure for each product.

Investing in capital markets involves potential for both gain and loss. You may experience fluctuations in your portfolio value. There is no assurance of returns. You may lose part or all of your principal invested.

Finiqus strongly recommends you read the offer documents, scheme information documents, risk disclosure documents, and product brochures before making any investment decision. Product suitability depends on your risk appetite, financial goals, and time horizon.

7. Links to Third-Party Platforms and AMCs

The website may include hyperlinks or buttons directing users to official portals of Asset Management Companies (AMCs), investment platforms, KYC registration agencies, or external websites. These links are provided solely for user convenience.

Finiqus may include its official ARN (AMFI Registration Number) within such links so users can directly invest through platforms associated with Finiqus.

Use of any external platform is at your own discretion. Finiqus does not own, control, or operate third-party websites. We are not responsible for their data practices, transaction security, content accuracy, or operational reliability.

You are encouraged to read the privacy policies and disclaimers of any third-party sites you visit via this website.

8. Testimonials, Case Studies, and User Experience

Testimonials, reviews, or success stories shared on the website reflect individual experiences. These are not indicative of every client’s results. Outcomes may vary from person to person based on individual financial discipline, market timing, product choice, and duration of investment.

Testimonials should not be construed as promises or guarantees of service quality or investment success. They do not establish any binding obligation on the part of Finiqus.

Finiqus makes no claims of guaranteed outcomes in financial performance, tax saving, retirement corpus building, or wealth accumulation.

9. No Liability for Interpretation or Misuse

Any content consumed from this website is at the sole discretion and risk of the user. Misinterpretation, incomplete understanding, or selective reading of the content shall not create liability for Finiqus.

If you act upon any information provided herein without consulting a financial professional or reading the corresponding product documents, such actions are entirely your responsibility.

Finiqus will not be held liable for any:

• Loss of income or capital
• Missed opportunity
• Delay in financial decisions
• Penalties arising from non-compliance
• Emotional or psychological impact due to financial losses

10. Limitations of Liability

Finiqus shall not be liable for any direct, indirect, incidental, punitive, consequential, or special damages that result from the use or misuse of this website or its content.

This includes, but is not limited to:

• Loss of data or profits
• Unforeseen delays
• Technical downtime
• Errors in calculations or tools
• Human or automated inaccuracies

The liability of Finiqus, under all circumstances and to the maximum extent permitted by law, shall be limited to the amount paid (if any) by you for accessing paid advisory services through this website.

11. Regulatory Compliance

Finiqus is a registered Mutual Fund Distributor holding an ARN issued by the Association of Mutual Funds in India (AMFI). All services are rendered in compliance with applicable SEBI and AMFI regulations.

This website does not aim to solicit or attract investors from jurisdictions where the promotion or sale of Indian mutual funds or investment products is restricted or illegal.

Visitors from such jurisdictions must exit this website immediately. Finiqus does not accept responsibility for unintentional or unauthorized access by such users.

12. Intellectual Property Rights

All content published on this website including, but not limited to, text, logos, calculations, visuals, software, tools, articles, and downloadable documents are owned or licensed by Finiqus unless otherwise stated.

Unauthorized reproduction, modification, commercial use, or republication is prohibited unless explicitly permitted in writing.

You may print or download content for personal and non-commercial use only. Use of Finiqus trademarks, service marks, or branding elements without consent constitutes a legal violation.

13. Jurisdiction and Legal Applicability

This Disclaimer shall be governed by and construed in accordance with the laws of India. All disputes shall fall within the jurisdiction of the courts located in [Insert City/State of Business Operation].

If any clause of this Disclaimer is found to be invalid or unenforceable by a court of law, the remaining provisions shall continue to remain in force and effect.

14. Updates to Disclaimer

Finiqus reserves the right to modify or update this Disclaimer at any time without prior notice. Changes may reflect amendments to business operations, regulatory changes, or internal policy improvements.

Users are advised to review this page periodically. Your continued use of the website constitutes your acceptance of any updated or modified terms.

Contact for Clarifications

If you have any questions or require clarification on any part of this Disclaimer, you may contact:

Finiqus

Email: finiqus@gmail.com

Phone: +91-9674339876

Website: www.finiqus.com

Also Read: Privacy Policy , Terms of Use