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    Disclaimer

    1.1 Professional Credentials

    I, Udayan Adhye, am registered with AMFI as a Mutual Fund Distributor (ARN 170252) and with IRDAI as an Insurance Advisor. These certifications confirm my competence, yet nothing on this website, my newsletter, or any of my social-media pages constitutes personalised professional advice.

    1.2 Educational Purpose Only

    All content, tools, calculators, courses, e-mails, posts, reels, videos, and downloads made available through this website, the newsletter, or my social-media pages (collectively, "Materials") are provided solely for informational and educational purposes.

    1.3 Not Financial, Investment, or Legal Advice

    The Materials must never be interpreted as investment advice, financial planning, tax or legal counsel, or a solicitation to transact in securities or insurance products. Always obtain independent advice suited to your personal circumstances before acting.

    1.4 Calculator and Tool Limitations

    • Illustrative only.
    • Rely on assumptions that may not match reality.
    • Supplied "as is" without warranties of accuracy or completeness.

    1.5 Hypothetical Results

    Any projections or charts are examples only; actual outcomes may differ materially.

    1.6 User Responsibility and Indemnity

    You accept full responsibility for any action you take and agree to indemnify Udayan Adhye, his employees, and affiliates against any loss arising from your reliance on the Materials.

    1.7 Third-Party Links

    Links are provided for convenience. I neither control nor endorse external content and accept no liability for its use.

    1.8 Jurisdiction

    All disputes are subject exclusively to the courts of Pune, Maharashtra, India.

    1.9 Amendments

    This Disclaimer may change without notice; continued use signifies acceptance of the updated terms.