Please read these Terms and Conditions (“Terms”) carefully before using the AssetWiser website or engaging our advisory services. By accessing our website or submitting a lead form, you agree to be bound by these Terms.
1. About Us
AssetWiser is a SEBI Registered Investment Advisor (Registration No: INA000000000). We provide investment advisory, insurance, loan facilitation, and taxation compliance services to retail investors and businesses in India.
2. Nature of Services
Investment Advisory
Our investment advisory services are provided under SEBI (Investment Advisers) Regulations, 2013. All advice is personalised, based on your risk profile and financial goals. We do not provide generic recommendations or specific buy/sell calls on individual stocks.
- Investments are subject to market risks. Past performance does not guarantee future returns.
- We earn no commissions from mutual funds or securities — our fee, if any, is disclosed upfront.
- Advisory opinions are not guaranteed outcomes.
Insurance Services
Insurance products are distributed through an IRDAI licensed Corporate Agent. Policy terms, exclusions, and claim settlement are governed by the respective insurer. We facilitate the comparison and purchase process; the insurer is solely responsible for claim decisions.
Loan Facilitation
Loan products are facilitated through DSA (Direct Sales Agent) agreements with banks and NBFCs. Loan sanction, disbursement, and terms are at the sole discretion of the lending institution. We do not guarantee loan approval.
Taxation & Compliance
Tax and compliance services are delivered by empaneled CA/CS professionals. Our advice is based on current tax laws; tax laws may change and you should verify with a qualified professional before taking action.
3. Website Use
- The financial tools (SIP calculator, portfolio analyzer, credit score estimator) are for informational purposes only and do not constitute investment advice.
- The blog and educational content is for general awareness. It does not constitute investment, legal, or tax advice.
- You must not use our website for any unlawful purpose or in a manner that could damage or impair it.
- Automated scraping, reverse engineering, or systematic data extraction from this website is prohibited.
4. Disclaimer — No Guaranteed Returns
We never guarantee investment returns. Any language suggesting assured profits, guaranteed income, or risk-free returns on securities is not authorised by us and should be disregarded. All investments carry risk of loss. Please invest only what you can afford to lose.
5. Intellectual Property
All content on this website — text, design, code, calculators, graphics, and logos — is the property of AssetWiser and is protected under applicable intellectual property laws. You may not reproduce, redistribute, or create derivative works without prior written consent.
6. Third-Party Links
Our website may link to external resources (e.g., SCORES portal, SEBI website, NSE/BSE). We are not responsible for the content, accuracy, or privacy practices of third-party websites.
7. Limitation of Liability
To the maximum extent permitted by applicable law, AssetWiser is not liable for:
- Investment losses resulting from following our advice
- Errors or omissions in tool outputs or blog content
- Unavailability of the website due to maintenance, outages, or force majeure
- Any indirect, incidental, or consequential damages
Our aggregate liability, where applicable, shall not exceed the advisory fees paid by you in the preceding 3 months.
8. Governing Law & Dispute Resolution
These Terms are governed by the laws of India. Any disputes arising from these Terms or our services shall first be raised through our internal grievance mechanism. If unresolved, disputes shall be subject to SEBI's SCORES portal, followed by the jurisdiction of courts in [City, India].
9. Grievance Redressal
For complaints related to investment advisory services, contact us at hello@assetwiser.inwith subject line “Grievance”. We respond within 21 working days. If unsatisfied, escalate to SEBI via the SCORES Portal.
10. Changes to These Terms
We may revise these Terms at any time. Material changes will be communicated by updating the effective date above. Continued use of our website after any change constitutes your acceptance of the updated Terms.
11. Contact
AssetWiser
SEBI RIA Reg No: INA000000000
Email: hello@assetwiser.in