Disclaimer

1. General Disclaimer

This website and all content published herein by Integrato Financial Services Private Limited ("Integrato") is for general informational and educational purposes only. Nothing on this website should be construed as:

• Personalised investment advice, financial planning advice, or tax advice
• A solicitation or offer to buy or sell any securities, mutual fund units, or insurance products
• A guarantee of any investment returns, performance, or outcomes
• A substitute for independent professional advice appropriate to your specific circumstances

Before making any financial decision, you should seek advice from a qualified and registered financial, legal, and/or tax professional who understands your complete financial situation.

2. Regulatory Status and Registrations

Integrato Financial Services Private Limited operates in compliance with all applicable Indian financial regulations. Our registration details are:

3. Mutual Fund Disclaimer

• Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing.
• Past performance of the schemes is neither an indicator nor a guarantee of future performance.
• As a mutual fund distributor, Integrato earns trail/upfront commissions from Asset Management Companies (AMCs). This commission is built into the expense ratio of Regular Plans.
• Investors have the option to invest in Direct Plans of mutual funds directly through AMC websites, which have lower expense ratios but no distributor advisory support.
• NAVs of the schemes fluctuate based on securities prices. Returns of mutual fund schemes are not guaranteed or assured.
• Tax benefits mentioned are as per current tax laws and are subject to change. Please consult a tax advisor.

4. Insurance Disclaimer

• Insurance is the subject matter of the solicitation. Please read the policy wordings carefully before concluding a sale.
• ULIP products are subject to market risks. The fund value may be less than the premiums paid due to market conditions.
• Tax benefits on insurance premiums are subject to conditions under Section 80C, 80D, and 10(10D) of the Income Tax Act, 1961, and are subject to change.
• Unit Linked Insurance Plans (ULIPs) combine investment and insurance; charges including premium allocation, policy administration, mortality, and fund management charges apply.
• Life insurance products offered are regulated by IRDAI. Integrato earns commissions on insurance products sold.

5. Equity and Capital Markets Disclaimer

• Stock market investments are subject to market, liquidity, and business risks. The value of equity investments may fluctuate significantly.
• Equity research, stock recommendations, and market views expressed on this website or in any communication from Integrato are for informational purposes only and should not be relied upon as the sole basis for investment decisions.
• Integrato provides equity broking services through sub-broker arrangements with SEBI-registered brokers. We are not an independent research analyst registered with SEBI.
• Intraday and derivatives trading carries higher risk and may result in losses exceeding your initial investment. These products are suitable only for experienced investors who understand the risks.
• Securities mentioned in research reports may be held by the advisor, associates, or clients. Actual results may differ materially from estimates.

6. Financial Calculator Disclaimer

The financial calculators, planners, and tools available on integrato.in are provided for illustrative purposes only:

• Results are based on user-provided inputs and assumed rates of return — actual results will vary materially
• Inflation assumptions used are estimates; actual inflation rates will differ
• Tax calculations are based on tax laws applicable at the time of development and may not reflect current law
• Calculator results do not account for individual circumstances, fund selection, market conditions, or advisor fees
• These tools are not a substitute for personalised financial planning by a qualified advisor

7. Knowledge Hub and Educational Content Disclaimer

Articles, guides, and educational content published in the Integrato Knowledge Hub are intended for general financial literacy purposes only. They:

• Reflect the views and opinions of the authors at the time of publication
• May not reflect the most current market conditions, tax laws, or regulatory changes
• Should not be used as the basis for any specific investment decision without independent verification
• Do not constitute research reports as defined under SEBI (Research Analysts) Regulations, 2014

8. Commission and Conflict of Interest Disclosure

In the interest of full transparency, Integrato Financial Services discloses the following:

• As an AMFI Registered Mutual Fund Distributor, we earn trail commissions (typically 0.3% to 1.0% p.a.) from AMCs on assets under distribution
• As an IRDAI Licensed Insurance Advisor, we earn first-year and renewal commissions on insurance products
• These commission structures create a potential conflict of interest; however, our advisory process is guided by client suitability and goals, not commission optimisation
• Full commission disclosure is provided to clients upon request and at the point of recommendation as required by AMFI guidelines

9. No Guarantee of Accuracy

While we make every effort to ensure that information on this website is accurate and up-to-date, we make no representation or warranty — express or implied — as to the accuracy, completeness, currency, or reliability of any information. We reserve the right to correct errors without prior notice.

Market data, fund performance figures, and economic statistics referenced on this website are sourced from publicly available information and may not be independently verified.

10. Investor Grievance Redressal

Investors who have any complaints or grievances against Integrato Financial Services may approach:

• Directly: hello@integrato.in or call +91 95991 81681
• For Mutual Fund complaints: AMFI Investor Service Centre or SEBI SCORES Portal
• For Insurance complaints: IRDAI Grievance Redressal Cell — IGMS Portal
• For Securities market complaints: SEBI SCORES — scores.sebi.gov.in