1. Legal Status & Regulatory Identification

  • Identification: This website (paisalogy.com) is owned and operated by Datta Baban Alekar doing business under the registered trademark brand name Paisalogy®.

  • Registration Details: The owner is empanelled and registered with the Association of Mutual Funds in India (AMFI) as an authorized Mutual Fund Distributor and Specialized Investment Fund (SIF) Distributor holding ARN-248117.

  • Binding Agreement: By accessing, browsing, or using this website, you explicitly acknowledge that you have read, understood, and agreed to be legally bound by the terms, conditions, and regulatory disclosures contained in this disclaimer.

2. Explicit Non-Advisory Mandate (No Investment Advice)

  • No RIA Status: We are NOT a Registered Investment Adviser as defined under the SEBI (Investment Advisers) Regulations, 2013.

  • No Advisory Services: Nothing contained on this website—including articles, goal calculators, visual graphics, or generic communications—shall be construed, interpreted, or relied upon as financial advice, investment advice, or a personal recommendation to buy, sell, or hold any security or financial product.

  • Execution Only: The services provided by Paisalogy® are strictly limited to the distribution and transaction execution of mutual funds, SIFs, and insurance solutions.

3. Product Suitability & Execution Boundaries

  • Elimination of Incidental Advice: In strict compliance with regulatory mandates, Paisalogy® does not offer “incidental advice.”

  • Suitability Evaluation: We conduct a basic suitability assessment based on the information and time horizons provided by you, ensuring that distributed mutual fund products align with general investor categories as prescribed by AMFI Guidelines and relevant SEBI circulars.

  • Independent Evaluation: Investors are solely responsible for assessing the merits and risks associated with the use of any financial product. We make no representations, warranties, or guarantees regarding the advisability or future outcomes of any distributed asset.

4. Mandatory Statutory Market Risk Disclosures

  • Market Risk Warning: Mutual Fund investments are subject to market risks. There is no assurance or guarantee that the objectives of any given scheme will be achieved.

  • Document Verification: Investors are strongly mandated to read all scheme-related documents carefully before making any investment choices. This includes the Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM).

  • No Return Guarantees: The value of units or investments may fluctuate upward or downward based on market forces, interest rates, and economic factors. This website does not predict, project, or guarantee the performance, success, or future returns of any scheme or investment product. Past performance is purely historical and is not indicative of future results.

5. Commission & Consideration Disclosures

  • Commission Source: In accordance with SEBI Circular No. SEBI/IMD/CIR No. 4/168230, Paisalogy® receives trail commissions directly from Asset Management Companies (AMCs) for mutual fund schemes distributed under ARN-248117.

  • Rate Transparency: These commissions are regulated by guidelines established by SEBI and the respective AMCs. The complete rate matrix outlining the range of commissions earned across various asset classes is transparently disclosed and can be verified via our dedicated [Statutory Commission Disclosure Link].

6. Limitation of Liability & Indemnity

  • No Warranties: We provide no express or implied warranties regarding the accuracy, completeness, or untainted availability of the data displayed on this website.

  • Loss Disclaimer: Datta Baban Alekar, Paisalogy®, and its affiliates shall not be held liable or responsible for any direct, indirect, monetary, or consequential losses or damages arising from investments made based on market fluctuations or the mechanical use of data present on this digital platform.