Disclaimer

Investor Information & Important Disclosures

This page explains the important risks, limitations, and disclosures relating to the information and services available through H&A Wealth.

H&A Wealth is associated with Dhaval Shaileshkumar Shah, an AMFI Registered Mutual Fund Distributor.

Important Notice: Mutual Fund Investments

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully before investing.

The value of investments and the income from them may rise or fall due to market conditions. Returns are not guaranteed, and investors may lose some or all of their invested capital. Past performance is not indicative of future results.

Please evaluate your financial objectives, investment horizon, liquidity requirements, and risk tolerance before making an investment decision.

01 — Purpose of Website Content

The information published on https://handawealth.in, including articles, educational resources, scheme information, financial calculators, illustrations, and other materials, is intended for general informational and educational purposes.

Although reasonable efforts may be made to keep the information accurate and current, we do not guarantee that all content is complete, error-free, or suitable for every investor.

Website content should be read alongside the relevant mutual fund scheme documents, including the Scheme Information Document (SID), Key Information Memorandum (KIM), and other applicable disclosures.

02 — Our Role as a Mutual Fund Distributor

Dhaval Shaileshkumar Shah is an AMFI Registered Mutual Fund Distributor. Our distribution-related activities may include explaining mutual fund products, facilitating investments, sharing scheme-related information, and providing related investor assistance within the scope of applicable regulations.

Our role and the services provided should not be interpreted as evidence of registration or authorisation in any other regulatory capacity.

Any investment-related discussion or portfolio review must be understood in the context of the services actually offered and the applicable regulatory framework. Investors should independently review the risks, costs, and suitability of any investment before proceeding.

03 — Investment Risk and No Guaranteed Returns

All mutual fund investments carry risks, which vary according to the scheme, underlying assets, investment strategy, market conditions, and other relevant factors.

• Market risk: Investment values may fluctuate with equity markets, interest rates, economic developments, and other market conditions.

• Credit risk: Certain investments may be affected by an issuer's inability to meet its obligations.

• Liquidity risk: Some investments may be difficult to sell at the expected price or within the expected timeframe.

• Interest-rate risk: Changes in interest rates may affect the value of debt investments.

• Inflation and other risks: Inflation, currency movements, regulatory changes, and other factors may affect investment outcomes.

No statement on this website should be understood as a promise, assurance, or guarantee of investment returns or achievement of an investment objective.

04 — Regular Plans, Direct Plans and Distributor Commissions

Mutual fund schemes may offer Regular Plans and Direct Plans, subject to the applicable scheme structure.

Regular Plans generally include distributor commissions in the scheme's expenses, while Direct Plans generally have lower expense ratios because distributor commissions are not included in the same manner.

Where applicable, commissions may be paid by the Asset Management Company (AMC) to the distributor in accordance with the relevant arrangements and regulatory requirements.

Investors should understand the costs, features, and service implications of the available plans before investing. Applicable commission, conflict-of-interest, and other required disclosures should be provided in accordance with relevant regulations.

05 — Calculators, Projections and Illustrations

Any SIP calculator, return calculator, financial illustration, projection, or estimation tool available on this website is provided for illustrative purposes only.

The results depend on the information entered by the user and the assumptions used by the tool. Actual returns may differ materially from the estimates.

Illustrative rates of return are not guaranteed. Calculator results do not account for every factor that may affect actual investment outcomes, including all applicable expenses, taxes, changes in investment value, or timing differences.

Do not make an investment decision solely on the basis of a calculator result or projected return.

06 — Investor Responsibility

Before investing, you should:

• Read the relevant scheme documents and risk disclosures.

• Understand the scheme's investment objective, asset allocation, expenses, and exit load, where applicable.

• Evaluate your financial goals, investment horizon, and ability to tolerate losses.

• Verify material information using official sources, including the relevant AMC and regulatory websites.

• Seek appropriately qualified professional advice where your circumstances require it.

You are responsible for the investment decisions you make after considering the relevant information and risks.

07 — Accuracy and Limitation of Liability

Website information may change as markets, regulations, scheme details, and other circumstances evolve. Information may also become outdated or contain inadvertent errors or omissions.

To the extent permitted by applicable law, H&A Wealth shall not be liable for losses arising solely from reliance on general website information, technical interruptions, or third-party content, except where such liability cannot legally be excluded or limited.

Nothing in this Disclaimer removes any rights or protections available to investors under applicable law or excludes any duty or liability that cannot lawfully be excluded.

08 — Third-Party Websites and External Links

This website may contain links to AMCs, regulatory authorities, financial platforms, or other third-party websites for convenience and reference.

External websites operate independently and may have their own terms, policies, and information practices. We do not control all third-party content and are not responsible for its accuracy, availability, or completeness.

The presence of a link does not necessarily constitute an endorsement of the linked website or its services.

09 — Intellectual Property and Website Use

Unless otherwise stated, the website's original text, design, graphics, and other materials are intended for lawful personal and informational use.

Unauthorised copying, republication, redistribution, or commercial exploitation of protected content without the necessary permission is prohibited, except where permitted by applicable law.

Third-party names, trademarks, logos, and other intellectual property remain the property of their respective owners.

10 — Changes to This Disclaimer

We may update this Disclaimer to reflect changes in our website, services, business practices, or applicable legal and regulatory requirements.

Revisions will be published on this page. Visitors are encouraged to review the Disclaimer periodically.

Distributor Details

Dhaval Shaileshkumar Shah

AMFI Registered Mutual Fund Distributor

• AMFI Registration Number (ARN): ARN-58240

• Employee Unique Identification Number (EUIN): E055885
  

Contact Us

For questions about this Disclaimer or our distribution-related services, contact:

H&A Wealth

Mobile: +91 92272 52221

Email: dhaval@handawealth.in and nsfinancial11@gmail.com

Back office support

H&A Wealth MF : +91 99982 19079

H&A Wealth FD : +91 99982 11633

H&A Wealth LIC : +91 99981 45759

Email: support@handawealth.in and investreminder@gmail.com

Website: https://handawealth.in

Risk Reminder: Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing.