DISCLAIMERS

Effective Date: 16 May 2026  |  Last Updated: 16 May 2026

www.25wealthsecrets.com

1. General Disclaimer

25Wealth Secrets ("we", "us", "our") is a SEBI Registered Investment Advisor (RIA) operating under the SEBI (Investment Advisers) Regulations, 2013, and AMFI Certified under ARN-XXXXXX. All advisory content, tools, recommendations, and materials available on www.25wealthsecrets.com are provided for informational and educational purposes.

Nothing on this platform constitutes:

•         A guarantee of investment returns or capital protection

•         A solicitation or offer to buy or sell any specific security, mutual fund unit, or insurance product

•         Legal, tax, accounting, or actuarial advice

•         A promise of specific financial outcomes or wealth targets

•         An endorsement of any specific fund house, insurer, or financial product brand

Investment decisions are solely your responsibility. We strongly recommend that you read all scheme-related documents, Key Information Memorandums (KIMs), and product brochures carefully before investing.

2. SEBI Registration Disclaimer

25Wealth Secrets is registered with the Securities and Exchange Board of India (SEBI) as an Investment Advisor under Registration Number INA000XXXXXX.

In accordance with SEBI (Investment Advisers) Regulations, 2013:

•         We maintain a strict separation between advisory and distribution activities

•         We do not earn commissions from mutual fund houses, insurers, or any financial product provider

•         All fees charged are disclosed to clients in writing prior to engagement

•         We conduct suitability assessments before providing personalised investment advice

•         Our advice is based solely on the information provided by you and our independent analysis

3. Investment Risk Disclaimer

By using our advisory services, you acknowledge and accept the following investment risks:

3.1 Market Risk

The value of mutual fund units and other market-linked investments fluctuates daily based on market conditions, economic factors, interest rate movements, geopolitical events, and investor sentiment. You may receive back less than the amount you invested. 25Wealth Secrets does not guarantee the preservation of capital in market-linked investments.

3.2 Equity Risk

Equity mutual funds invest in stocks listed on Indian stock exchanges. Stock prices can be highly volatile in the short term. Equity investments are best suited for a long-term horizon of 7 years or more. Short-term returns may be significantly negative during market downturns, including losses of 30–50% or more in extreme bear market conditions.

3.3 Debt and Credit Risk

Debt mutual funds invest in fixed-income securities such as government bonds, corporate bonds, and money market instruments. These carry credit risk (risk of issuer default), interest rate risk (rising rates reduce bond prices), and liquidity risk. High-yield or lower-rated debt instruments carry significantly higher default risk.

3.4 Liquidity Risk

Certain investments have lock-in periods or limited liquidity. ELSS (Equity Linked Savings Scheme) funds have a mandatory 3-year lock-in. Close-ended funds cannot be redeemed before maturity. We will inform you of all applicable lock-in periods before recommending any such instrument.

3.5 Concentration Risk

Sectoral or thematic funds that concentrate investments in a specific industry or theme carry higher risk than diversified funds. Poor performance of a single sector can significantly impact returns. We recommend sectoral exposure only for experienced investors with high risk tolerance.

3.6 Currency Risk (International Funds)

Funds that invest in overseas markets or foreign securities carry currency exchange rate risk. Fluctuations in the Indian Rupee against foreign currencies can positively or negatively impact returns, independent of the performance of the underlying securities.

3.7 Inflation Risk

Conservative investments such as debt funds, liquid funds, or fixed deposits may not always generate returns that outpace inflation over time. In real terms, purchasing power may erode if investment returns are consistently below the prevailing inflation rate.

4. Past Performance Disclaimer

All performance data, return figures, and fund comparisons displayed on our platform:

•         Are sourced from publicly available data provided by AMFI, fund houses, and financial data aggregators

•         Are updated periodically but may not reflect real-time NAV or performance

•         Are shown for illustrative and comparison purposes only

•         Do not account for individual tax implications, which may vary based on your income slab and holding period

•         Are gross returns unless explicitly stated as post-tax returns

Rankings and ratings of mutual funds (such as star ratings from CRISIL, Value Research, or Morningstar) are the intellectual property of their respective rating agencies and are subject to change. We present these for informational purposes and do not endorse any rating methodology.

5. Financial Calculator and Tool Disclaimer

Our platform provides various financial planning tools including SIP calculators, goal planners, retirement calculators, insurance premium estimators, and EMI calculators. These tools are provided for general informational and illustrative purposes only.

Specifically, you should note that:

•         Return rate assumptions used in calculators are illustrative and may not reflect actual fund performance

•         Results do not account for expense ratios, exit loads, or transaction costs unless explicitly stated

•         Tax calculations are indicative only and are based on prevailing tax laws, which are subject to change

•         Inflation assumptions used in goal planning are estimates and may differ from actual inflation rates

•         Insurance premium estimates are indicative — actual premiums depend on your age, health, occupation, and insurer underwriting

•         SIP projections assume consistent monthly investments without breaks — actual portfolios may vary

We strongly recommend consulting our SEBI-registered advisors for a personalised financial plan before making any investment decisions based on calculator outputs.

6. Insurance Advisory Disclaimer

Our insurance advisory services are provided for informational and comparative purposes. 25Wealth Secrets is not an insurance company, insurance broker, or IRDAI-licensed insurance agent.

All insurance-related content on our platform:

•         Is sourced from publicly available information provided by IRDAI-registered insurance companies

•         Is intended to help you understand and compare insurance products — not to replace a detailed policy review

•         Does not constitute an insurance contract or binding offer from any insurer

•         May not reflect the most current premium rates, which are subject to change by insurers

Before purchasing any insurance policy, you must:

•         Read the complete policy document, terms, conditions, and exclusions

•         Disclose all material facts truthfully during the proposal process — non-disclosure may result in claim rejection

•         Verify premium quotes directly with the insurer or licensed intermediary

•         Understand the free look period (15–30 days) available after policy issuance

7. Tax Disclaimer

The tax information provided on our platform is based on prevailing Indian tax laws as of the effective date of this document and is subject to change. Specifically:

•         LTCG (Long Term Capital Gains) tax rates and thresholds for equity and debt funds may change with each Union Budget

•         STCG (Short Term Capital Gains) tax rates depend on your holding period and fund category

•         Dividend income from mutual funds is taxable at your applicable income tax slab rate

•         ELSS deductions under Section 80C are subject to the overall ₹1.5 lakh annual limit and availability of the old tax regime

•         Section 10(10D) exemption on insurance maturity proceeds is subject to conditions on premium-to-sum assured ratio

•         NRI investors are subject to TDS on mutual fund redemptions — rates may differ from resident Indian rules

25Wealth Secrets does not provide tax filing services and is not responsible for the tax consequences of any investment decision made on the basis of our advisory.

8. Third-Party Content and Data Disclaimer

Our platform may reference, display, or link to content from third-party sources including fund houses, AMFI, NSE, BSE, IRDAI, SEBI, financial data providers, and news publications. We include such content for informational purposes only.

25Wealth Secrets:

•         Does not own, control, or take responsibility for the accuracy of third-party content

•         Does not endorse the products, services, or views expressed by third-party sources

•         Is not liable for losses arising from your reliance on third-party information accessed through our platform

•         Cannot guarantee the uninterrupted availability of third-party data feeds or services

Mutual fund NAV data, AUM figures, return data, and fund ratings are sourced from AMFI and data providers and are updated periodically. Real-time data may differ from figures displayed on our platform. Always verify current NAV and fund data directly with the relevant fund house or AMFI at www.amfiindia.com before transacting.

9. Testimonials and Client Reviews Disclaimer

Client testimonials and reviews displayed on our platform represent individual experiences and opinions of specific clients. They are shared with the consent of the clients concerned.

In compliance with SEBI regulations:

•         Testimonials are from actual clients and have not been incentivised or manufactured

•         Returns or outcomes mentioned in testimonials are specific to those individuals and their unique financial circumstances

•         Past client outcomes shown in testimonials are not indicative of future advisory results

•         Any numerical claims in testimonials are based on information provided by the clients themselves and have not been independently verified by 25Wealth Secrets

10. Educational Content Disclaimer

Our website, blog, social media channels, email newsletters, and other communication channels regularly publish articles, guides, videos, and other educational content on topics including mutual funds, insurance, goal planning, taxation, and personal finance.

All such educational content:

•         Is published for general awareness and informational purposes only

•         Does not constitute personalised financial advice tailored to your specific situation

•         Is based on publicly available information and our team's analysis at the time of publication

•         May become outdated as market conditions, regulations, and tax laws change

•         Should not be acted upon without seeking personalised advice from our registered advisors

11. Conflict of Interest Disclosure

As a SEBI Registered Investment Advisor operating on a fee-only basis, 25Wealth Secrets has taken deliberate structural steps to eliminate conflicts of interest. We disclose the following:

11.1 What We Do NOT Do

•         We do not earn trail commissions or distribution fees from mutual fund houses

•         We do not receive referral fees or incentives from insurance companies for recommending their products

•         We do not have revenue-sharing arrangements with any financial product provider

•         We do not prioritise recommendations based on proprietary products or affiliated entities

•         We do not accept gifts, trips, or hospitality from financial product manufacturers

11.2 How We Are Compensated

Our only source of revenue is the advisory fee paid directly by you, our client. This fee is:

•         Disclosed in writing before any engagement begins

•         Not linked to the volume or value of investments you make

•         Not linked to the specific funds or products we recommend

•         Structured to incentivise your financial outcomes — not our sales volume

11.3 Residual Conflicts

Despite our fee-only model, we acknowledge the following residual potential conflicts, which we disclose in the interest of full transparency:

•         Our advisors may personally hold investments in funds they recommend — all such holdings are disclosed upon request

•         We may have preferred partnerships with technology or platform providers for investment execution — these are disclosed and do not influence fund selection

•         Family members of our advisors may hold positions in recommended funds — this information is available upon written request

12. Regulatory and Legal Disclaimer

25Wealth Secrets operates in full compliance with applicable Indian laws and SEBI regulations. However, we disclaim liability for the following:

•         Changes in SEBI regulations, IRDAI rules, RBI guidelines, or Indian tax laws that affect the suitability or returns of recommended investments after the date of our advice

•         Regulatory actions taken against specific fund houses, insurers, or financial product providers that affect your investments

•         Changes in government policy, economic conditions, or geopolitical events that materially affect investment returns

•         Any action or inaction by third-party platforms, registrars, or transfer agents involved in executing your investments

We are not a legal firm and nothing in our advisory constitutes legal advice. For legal matters related to inheritance, estate planning, tax disputes, or regulatory compliance, please consult a qualified legal professional.

13. Non-Resident Indian (NRI) Disclaimer

NRI investors are subject to additional regulations under FEMA (Foreign Exchange Management Act), RBI guidelines, and the tax laws of their country of residence. Our advisory services for NRI clients are subject to the following disclaimers:

•         NRIs must comply with FEMA regulations regarding repatriation of investment proceeds

•         TDS rates applicable to NRI investors differ from resident Indian rates — consult a tax advisor in both India and your country of residence

•         Certain mutual fund categories may have restrictions on NRI participation from specific countries (e.g., US and Canada FATCA restrictions)

•         Investment through NRE or NRO accounts has different tax and repatriation implications — we strongly recommend seeking specialised NRI financial advice

•         Our advisory is provided based on Indian regulatory requirements — compliance with laws of your country of residence is your responsibility

14. Technology and Cybersecurity Disclaimer

While we implement industry-standard security measures to protect your data and ensure platform reliability, we disclaim liability for:

•         Losses arising from cybersecurity breaches, hacking, phishing, or social engineering attacks not directly attributable to our negligence

•         Service interruptions due to technical failures, server downtime, internet outages, or force majeure events

•         Errors in data transmission, calculation results, or display due to technical glitches

•         Losses arising from your use of our platform on unsecured networks or compromised devices

15. Investor Grievance and Escalation

We are committed to addressing all investor concerns promptly and fairly. If you have a complaint about our advisory services:

Step 1 — Contact Us Directly

•         Email: grievance@25wealthsecrets.com

•         We will acknowledge your complaint within 48 hours

•         We will resolve your complaint within 30 days

Step 2 — SEBI SCORES

If your complaint is not resolved to your satisfaction within 30 days, you may escalate to:

•         SEBI SCORES Portal: www.scores.gov.in

•         SEBI Toll-Free: 1800 22 7575 / 1800 266 7575

•         SEBI Head Office: Plot No. C4-A, 'G' Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400 051

Step 3 — Online Dispute Resolution (ODR)

•         SEBI ODR Portal: www.smartodr.in

•         Available for conciliation and arbitration of unresolved investor disputes

Step 4 — SEBI Office of Investor Assistance and Education (OIAE)

•         For general investor education queries and assistance: www.investor.sebi.gov.in