BM Wealth • Legal
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Terms and Conditions
Last Updated: December 8, 2025
1. Acceptance of Terms
By accessing and using the services provided by BM Wealth, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please refrain from using our services.
These terms constitute a legally binding agreement between you and BM Wealth, owned and operated by Brahmdeo Maurya.
2. Services Provided
BM Wealth provides financial services including but not limited to:
- Mutual fund distribution services as an AMFI Registered Distributor (ARN 90008)
- Insurance advisory services as an IRDAI Licensed Advisor (License Number: 277925)
- Portfolio planning and asset allocation guidance
- Investment planning support
- Financial planning consultations
We are IRDAI Licensed and AMFI Registered.
3. Information & Risk
Educational / Digital Tools Only: Any calculators, checklists, articles, examples, and other materials on this website are provided for general informational and educational purposes. We do not execute investments, place orders, or perform transactions on your behalf through this website.
While we strive to provide accurate and helpful information, outcomes can vary and depend on markets, product terms, and individual circumstances.
No Guarantees: We do not guarantee any outcomes, performance, returns, or results.
All investment decisions made by you are at your own risk and discretion. 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.
4. User Responsibilities
As a user of BM Wealth services, you agree to:
- Provide accurate and complete information when requested
- Maintain the confidentiality of your account credentials
- Notify us immediately of any unauthorized use of your account
- Conduct your own due diligence before making investment decisions
- Comply with all applicable laws and regulations
- Not use our services for any illegal or unauthorized purpose
5. Limitation of Liability
To the fullest extent permitted by law, BM Wealth, its proprietor, and its representatives shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Your use or inability to use our services
- Investment losses or financial damages
- Errors or omissions in the information provided
- Unauthorized access to or alteration of your data
- Market fluctuations or economic conditions
Our total liability to you for any claim arising out of or relating to these terms or our services shall not exceed the amount of fees paid by you to us in the six months preceding the claim.
6. Intellectual Property
All content on the BM Wealth website and in our communications, including but not limited to text, graphics, logos, images, and software, is the property of BM Wealth and is protected by copyright and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.
7. Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information are governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference.
By using our services, you consent to the collection and use of your information as described in our Privacy Policy. We do NOT sell your personal data to third parties.
8. Cookies and Analytics
We use essential cookies to operate the website. Where enabled, we may also use optional analytics technologies (such as Google Analytics) to understand site performance and improve user experience.
Optional analytics is loaded only after you provide consent via our cookie consent banner. You can also control cookies through your browser settings; disabling certain cookies may affect website functionality.
9. Third-Party Links and Affiliate Disclosure
Our website may contain links to third-party platforms including but not limited to Groww, Zerodha, Smallcase, and other financial service providers. We may earn referral commissions when you sign up through these links.
These commercial relationships do not influence our educational content. We aim to keep our content fair, transparent, and written in your best interest.
Disclosure: Some links may be affiliate/sponsored links. If you use them, we may be compensated. You are not charged any extra fees for using our links.
10. Advertising and Monetization
BM Wealth may display third-party advertisements through Google AdSense or similar advertising networks. These advertisements are clearly marked and distinguished from our editorial content.
We do not endorse or take responsibility for the products or services advertised by third parties. Please conduct your own research before engaging with any advertised content.
11. Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any disputes arising from or relating to these terms shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra, India.
12. Contact Information
If you have any questions or concerns about these Terms and Conditions, please contact us:
BM Wealth
Proprietor: Brahmdeo Maurya
Address: 66, Vinod Villa Bldg., 1st floor office no. 108, Cavel Cross Lane 3, Kalbadevi, Mumbai - 400002, Maharashtra, India
Phone: +91 8850977259
Email: [email protected]
Regulatory Information
IRDAI License Number: 277925
AMFI Registration: ARN 90008
We are AMFI Registered and IRDAI Licensed. We operate in compliance with applicable regulations.