Legal Disclaimer & Regulatory Disclosure

MicroInvestments.in is NOT registered as an Investment Adviser (IA) with the Securities and Exchange Board of India (SEBI) under the SEBI (Investment Advisers) Regulations, 2013, or as a Research Analyst under the SEBI (Research Analysts) Regulations, 2014. We are not a stockbroker, portfolio manager, depository participant, mutual fund distributor, or any other intermediary regulated under the Securities Contracts (Regulation) Act, 1956, or any other law administered by SEBI or the Reserve Bank of India (RBI). Nothing on this platform should be construed as investment advice, financial planning, portfolio management, or any recommendation to buy, sell, or hold any specific security, mutual fund unit, commodity, or financial instrument.

All content produced by MicroInvestments.in — including financial health scores, investment roadmaps, SIP suggestions, fund category recommendations, risk assessments, goal projections, and pillar breakdowns — is: (a) Generated by mathematical algorithms using only the data supplied by the user. (b) Educational and informational in nature. (c) Not personalised investment advice under any applicable law. (d) Not based on any knowledge of the user's complete financial situation, tax position, family obligations, or legal circumstances. Algorithmic outputs reflect the inputs provided. They cannot account for undisclosed liabilities, tax implications specific to the user, special personal circumstances, sudden market changes, or regulatory changes that may affect investment products. The outputs must not be treated as a substitute for professional financial or legal advice.

INVESTMENT IN SECURITIES MARKET ARE SUBJECT TO MARKET RISKS. READ ALL THE RELATED DOCUMENTS CAREFULLY BEFORE INVESTING. All projections, return estimates, corpus calculations, and growth illustrations shown on this platform are hypothetical mathematical models based on historical returns or assumed rates. They are NOT guarantees of future performance. Past performance of mutual funds, indices, or other instruments does not guarantee future results. Returns mentioned are indicative and for educational illustration only. The actual value of investments may be lower than projected, including the potential loss of the principal amount. Debt funds, fixed income instruments, and liquid funds are subject to interest rate risk and credit risk. Equity investments are subject to market volatility and may fluctuate significantly over short periods.

MicroInvestments.in, its founders, directors, employees, contractors, and technology providers expressly disclaim all liability for: (a) Any financial loss, missed opportunity, or adverse tax outcome arising from reliance on any content, score, roadmap, or recommendation on this platform. (b) Any direct, indirect, incidental, consequential, or punitive damages of any nature. (c) Any inaccuracy, error, or omission in algorithmically generated outputs resulting from incorrect or incomplete user-provided data. By using this platform and accessing any report or score, the user acknowledges and agrees that any financial decision made based on platform outputs is made at the user's sole risk, and the user waives all claims against MicroInvestments.in to the maximum extent permitted by applicable law.

Any mention of mutual fund categories, financial instruments, savings products, insurance products, or platforms (such as SEBI-registered mutual fund platforms, banks, or RBI-regulated entities) is purely for illustrative and educational purposes. MicroInvestments.in does not endorse, recommend, or have a commercial relationship with any third-party financial product, fund house, distributor, broker, or service provider unless explicitly stated in a separate disclosure. Where fund categories are recommended (e.g. "Liquid Fund," "Large-Cap Index Fund"), the user must independently research and select a specific fund that suits their individual situation and consult an appropriate SEBI-registered intermediary before investing.

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