Disclaimer & Indemnity

  1. The Services rendered by Finwise Personal Finance Solutions are on a best effort basis. Finwise Personal Finance Solutions does not assure or guarantee the Client any minimum or fixed returns
  2. Please do not treat our plan as a legal or accounting advice. You should discuss this plan with your Lawyer and Chartered Accountant
  3. The Services are designed and provided based on the personal information, financial objectives, risk profile and documents furnished to Finwise Personal Finance Solutions by the Client. The estimates shown in the Financial Plan / report provided to the Client are based on assumptions that may or may not occur. Both principal value and investment returns may fluctuate over time.
  4. We make financial plans based on the information that you provide us and goals that you set for yourself. The results will depend on execution of our recommendations and the accuracy of the underlying assumptions
  5. If the information you have provided is incorrect, the plan’s outcome will reflect that. Please carefully review that the information you have provided to us is good
  6. Tax assumptions currently made may undergo a substantial change based on regulatory policies in force from time to time
  7. Assumptions made by us in good faith may impact in a negative or a positive way. Please review all assumptions at your end
  8. Past performance does not guarantee about future outcome
  9. The numbers in the plan are ball park estimates. The actual situation may not be same, depending on the various factors from time to time. There is no warranty on accuracy & we do not accept any liability for any error, omission or any loss in this regard
  10. Errors & Omissions expected (E&OE). We constantly review our processes and have checks and balances in place to avoid such errors
  11. Verbal discussions with your planner are not considered as an advice by your planner. Clients are required to make a written request asking for advice. We are responsible to respond to you in writing
  12. When an action is required from the client’s side, we will make reasonable efforts of follow up and then apply 3 Strike rule. This means that after sending you 3 written reminders, our responsibility ends in relation to the outstanding action, input, review confirmation etc. pending at client’s end
  13. Plan should be reviewed regularly, at least once in a year, and updated with the progress, current status and changes in future requirements
  14. Our advice or recommendations are not insured in any manner
  15. We reserve the right to amend the offerings, terms & conditions and other details without prior intimation
  16. Our prices are subject to change without prior intimation. For a committed price, customers are requested to get a Letter of Engagement issued
  17. The services cannot be extended beyond the package expiry. The client should avail all services within the validity of the package
  18. The recommendations made by Finwise Personal Finance Solutions are subject to several risks & other external factors not in the control of Finwise Personal Finance Solutions such as financial markets, macro and micro economic factors, and other factors that can cause an adjustment in the Client’s own financial situation and the progress of the Client’s Plan. Finwise Personal Finance Solutions has no control over these externalities and hence can only provide the Client with a Plan that is in the Client’s best interests, based on the current environment and the information provided by the Client
  19. Though Finwise Personal Finance Solutions shall provide service on best effort basis, Finwise Personal Finance Solutions shall not be responsible for any loss or liability incurred by the Client as a consequence of the Client taking any investment decisions based on the Services provided by Finwise Personal Finance Solutions
Acknowledgement from the Client
  1. The Client agrees that he recognizes the obligations under these Terms of Service and promises to adhere to them
  2. The Client agrees and accepts that he is under no obligation to avail the execution / distribution services rendered by Finwise Personal Finance Solution
  3. The Client accepts that the services rendered by Finwise Personal Finance Solutions are on a best effort basis

Finwise Personal Finance Solutions shall not be responsible for any loss or any liability incurred by me as a consequence of my or any other person on my behalf taking any investment decisions based on the recommendations and / or Services provided by Finwise Personal Finance Solutions

1. Please refer to our Letter of Engagement for more terms and conditions


  1. We use a standard methodology to build your Financial Plan. This generally comprises of using forecasting methods like Present Value, Future Value, Net Present Value, Constant and Increasing Annuity calculations. For life insurance Planning, we base our workings on “Needs based” approach. On client specific situation, we may have to use a different approach
  2. Our Mutual Funds recommendations are based on various parameters like their long term performance, risk and return trade off, reputation of the AMC
  3. There is no obligation on you to take any product or services through us
  4. If you buy any financial product (e.g. Mutual Fund, Online Term Plan, Estate Planning) we may earn additional fee or commission
  5. For life insurance online term plans, commissions range from 35% to 10% of the premium. This is normally given only for the 1st year. For health insurance, commission is 15% of the premium, every year. In case of Mutual Funds, distributor’s commission can be around 0.5% p.a. of the market value. In all products, there may be additional sales target based incentives, declared from time to time
  6. Your feedback on our services may be used for our marketing & promotional purposes at places like our Website, Facebook, Linkedin, Twitter, flyers, brochures, presentations, conferences & seminars and prospect meetings etc
  7. We do not commit any Service Level Assurance (SLA) for any of our services
  8. We use a proprietary model for preparing Financial Plans. We do not share soft copy of these workings with clients. We however, ensure that any technical doubt you may have on our workings is resolved to your satisfaction
  9. We may have personally invested in stocks in banks, financial services and insurance segment
  10. We do not claim to have expertise in every financial product available in the country

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