Disclaimer

1. Investment Disclaimer

Regulatory status: BM Wealth operates as a mutual fund distributor (AMFI ARN-90008) and an IRDAI-licensed insurance advisor (License: 277925).

Market prices shown on our website (including third-party embedded widgets) are for general awareness only and may be delayed or differ across sources.

Any market snapshot/ticker data (indices, commodities, FX, crypto) is indicative and may be delayed. Where labels reference local units, values may be derived from publicly available third-party sources and may not match official exchange feeds (e.g., NSE/BSE/MCX) at all times.

The information provided by BM Wealth is intended to support informed decision-making. Please verify details from official sources and product documents before acting.

All investment decisions are solely your responsibility. You should conduct your own research and consult with independent financial advisors before making any investment decisions.

Important: Mutual fund investments are subject to market risks. Past performance is not indicative of future returns. Please read all scheme-related documents carefully before investing.

2. Market Risks

Investments in financial markets carry inherent risks, including but not limited to:

• Market Risk: Fluctuations in stock prices, interest rates, and overall market conditions
• Credit Risk: Risk of default by issuers of debt securities
• Liquidity Risk: Difficulty in selling investments at fair prices
• Currency Risk: For international investments, exchange rate fluctuations
• Inflation Risk: Erosion of purchasing power over time
• Political Risk: Changes in government policies and regulations
• Concentration Risk: Over-exposure to particular sectors or asset classes

The value of your investments can go up or down, and you may receive less than your original investment when you redeem your units.

3. Not Financial Advice

BM Wealth provides general guidance and information about financial products and investment opportunities. This information is NOT personalized financial advice tailored to your specific circumstances unless explicitly stated in a formal advisory agreement.

We make no warranties or guarantees about the accuracy, completeness, or timeliness of the information provided. Market conditions change rapidly, and information that was accurate at the time of publication may become outdated.

The content on our website, blog posts, videos, and other communications are for general informational purposes only and should not be considered as professional financial advice.

4. Professional Consultation Required

Every individual's financial situation is unique. Before making any investment decisions, you should:

• Assess your own financial situation, investment goals, and risk tolerance
• Consult with qualified financial, legal, and tax advisors
• Read all product-related documents and disclosures carefully
• Understand the terms, conditions, and risks associated with any investment
• Consider your investment time horizon and liquidity needs

5. Insurance Products Disclaimer

Insurance products are regulated by the Insurance Regulatory and Development Authority of India (IRDAI). BM Wealth is an IRDAI Licensed Insurance Advisor (License Number: 277925).

Key points regarding insurance products:

• Insurance is a subject matter of solicitation
• Policy benefits depend on the terms and conditions of the specific policy
• Premium amounts may vary based on age, health, and other factors
• Claims are subject to policy terms and underwriting guidelines
• Tax benefits are subject to changes in tax laws

Please read the policy documents carefully before purchasing any insurance product.

6. Regulatory Status

BM Wealth operates under the following regulatory framework:

We operate with disclosure-led processes aligned to our AMFI and IRDAI registrations. Please read all product documents carefully before making decisions.

7. Limitation of Liability

BM Wealth, its proprietor, employees, and associates shall not be held liable for:

• Any financial losses resulting from investments made based on our recommendations
• Losses due to market volatility or economic conditions
• Errors, omissions, or inaccuracies in information provided
• Delays in updating information or responding to inquiries
• Technical issues affecting access to our services or website
• Third-party actions, including but not limited to mutual fund companies and insurance providers

Your use of our services is at your own risk. Consider diversification and prudent investment practices to manage risk.

8. Contact Us

For any questions or clarifications regarding this disclaimer:

Regulatory Licenses

IRDAI License Number: 277925

AMFI Registration: ARN 90008

Office Address:
66, Vinod Villa Bldg., 1st floor office no. 108, Cavel Cross Lane 3, Kalbadevi, Mumbai - 400002, Maharashtra, India