Disclaimer & Disclosures

1. Market Risk: Mutual Fund investments are subject to market risks including fluctuations in the NAV of schemes, loss of principal, credit risk, liquidity risk, interest rate risk, and reinvestment risk. The value of your investment may go up or down. There is no guarantee of returns.

2. Past Performance: Past performance of a scheme does not guarantee future performance. The performance of schemes may differ from the illustrative return rates used in educational tools, calculators, or games on this website. Return rates of 8%, 10%, 12%, or 15% shown in educational content are assumed illustrative figures only — not guaranteed returns.

3. Distributor Role: Sushil Arvind Raul (ARN-330164), operating through TechArtha Financial Services Pvt Ltd, acts solely as a distributor of mutual fund schemes offered by Asset Management Companies registered with SEBI. We are not the investment manager, portfolio manager, or custodian of any mutual fund scheme.

4. Commission Disclosure: As a mutual fund distributor, Sushil Arvind Raul (ARN-330164) may receive upfront and/or trail commissions from AMCs for distribution of their schemes. These commissions are paid by the AMC and do not represent an additional charge to investors. Investors are encouraged to enquire about the commission structure before investing.

5. Regular vs Direct Plans: Mutual fund schemes are available in Regular and Direct plans. Regular plans (distributed through registered distributors like Sushil Arvind Raul) carry a distribution expense ratio. Direct plans have a lower expense ratio but require investors to manage their investments independently. Investors should choose the plan appropriate to their needs and ability.

6. SIF (Specialised Investment Fund): Sushil Arvind Raul (ARN-330164) is also registered as a SIF Distributor. SIFs are subject to separate risk disclosures as specified by SEBI. Please read the relevant SIF offering documents carefully.

7. Risk Profile: Investors are advised to assess their risk appetite, investment horizon, and financial goals before investing in any mutual fund scheme. TechArtha strongly recommends that investors complete a risk profiling exercise before any investment is made.

• Equity Mutual Funds — High risk. Suitable for investors with a long investment horizon (5+ years) and high risk tolerance.
• Debt Mutual Funds — Moderate risk. Subject to interest rate and credit risk. Suitable for medium-term goals.
• Hybrid Funds — Moderate to high risk depending on asset allocation.
• Liquid / Overnight Funds — Low risk. Suitable for parking short-term surplus. Not risk-free.

1. Intermediary Status: TechArtha Financial Services Pvt Ltd is a licensed insurance agent authorised to distribute insurance products including health, term life, motor, fire, and cyber insurance on behalf of registered insurance companies in India.

2. No Underwriting: TechArtha Financial Services Pvt Ltd does not underwrite, guarantee, or assume insurance risks. All insurance policies are underwritten, managed, and serviced by the respective insurance companies. All claims, exclusions, and policy terms are determined solely by the insurance company's policy document.

3. Educational Content: Any insurance-related scenarios, examples, or calculations used in the Raise Rich Minds programme — including the Insurance Superhero game and any other educational tools — are simplified illustrations for educational purposes. They do not represent actual policy terms, premiums, coverage amounts, or claims outcomes.

4. Read Before You Buy: All prospective buyers are strongly advised to:

• Read the policy document and Key Information Sheet (KIS) carefully before purchasing any insurance product
• Understand all exclusions, waiting periods, and claim procedures
• Disclose all material facts truthfully in the proposal form — non-disclosure may result in claim rejection
• Verify the insurance company's claim settlement ratio before purchasing

5. IRDAI Regulatory Authority: Insurance activities in India are regulated by the Insurance Regulatory and Development Authority of India (IRDAI). For grievances related to insurance products, contact the insurance company first. Unresolved grievances may be escalated to IRDAI at www.irdai.gov.in or the Bima Bharosa portal.

1. Nature of Content: The Raise Rich Minds programme — including all 24+ interactive games, financial calculators, SIP projections, budget tools, inflation calculators, EMI calculators, quizzes, challenges, reels, guides, and any other content on this Platform — is created exclusively for financial literacy, awareness, and educational purposes.

2. Not Financial Advice: Nothing on this Platform constitutes:

• Investment advice or financial planning advice of any kind
• A recommendation to buy, sell, or hold any financial product or security
• Tax advice, legal advice, or accounting advice
• A guarantee or assurance of any financial return or outcome
• A solicitation for any financial product or service

3. Simplified Models: All financial calculations, projections, and examples in games and tools use simplified financial models with assumed parameters. Real-world financial outcomes depend on significantly more variables including actual market performance, tax implications, personal circumstances, product-specific charges, and regulatory changes.

4. Return Projections: Return rates mentioned in educational content — such as "12% annual return" in SIP calculators or "₹X grows to ₹Y" in compound interest examples — are purely illustrative and are based on historical long-term equity market averages. They do not represent guaranteed, assured, or expected returns from any specific investment.

5. Price and Market Data: Any prices, market data, historical figures, or statistical information used in games and tools are sourced for educational illustration only. They may not reflect current market conditions and should not be relied upon for any financial decision-making.

6. Independent Advice: Before making any investment, insurance, or financial planning decision, users are strongly encouraged to consult a SEBI-registered investment advisor, certified financial planner (CFP), or other qualified financial professional.

1. Accuracy: While TechArtha takes reasonable care to ensure that all information on this website is accurate and up to date, we do not warrant the accuracy, completeness, or timeliness of any information. Information may change without notice. TechArtha shall not be liable for any errors or omissions or for any loss or damage arising from reliance on any information on this website.

2. Third Party Links: This website contains links to third-party websites including AMFI, SEBI, SCORES, SmartODR, IRDAI, and individual AMC and insurance company websites. These links are provided for convenience only. TechArtha does not endorse, control, or assume responsibility for the content, accuracy, or practices of any third-party website.

3. Technical Availability: TechArtha does not guarantee uninterrupted, error-free, or secure access to this website. The website may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control. TechArtha shall not be liable for any loss resulting from unavailability of the website.

4. Browser Data: Certain features of this website — including game progress tracking and badge systems under the Raise Rich Minds programme — use browser local storage to store data on your device. This data is not transmitted to TechArtha's servers. TechArtha is not responsible for loss of locally stored data resulting from clearing browser data, changing devices, or browser updates.

5. Forward-Looking Statements: Any statements on this website about future financial markets, economic conditions, or investment outcomes are forward-looking in nature and are subject to inherent risks and uncertainties. Actual results may differ materially from any projections or estimates expressed on this website.

Investors should be aware of the following key risks before investing in any financial product:

Market Risk (Systematic Risk)
Equity investments are exposed to market-wide risks including economic downturns, geopolitical events, regulatory changes, and global financial crises. Market risk cannot be eliminated through diversification and may result in significant loss of invested capital.

Credit Risk
Debt mutual funds and bonds carry the risk that the issuer may default on interest payments or principal repayment. Lower-rated instruments carry higher credit risk and higher potential returns. Defaults can result in partial or total loss of investment.

Liquidity Risk
Certain mutual fund schemes — particularly close-ended funds, certain debt funds, and SIFs — may have limited liquidity. Investors may not be able to redeem their units at the desired time or price.

Interest Rate Risk
The value of debt mutual fund schemes moves inversely to interest rates. When interest rates rise, the NAV of debt funds falls, and vice versa. Long-duration debt funds carry higher interest rate sensitivity.

Concentration Risk
Investing a large proportion of your portfolio in a single scheme, sector, or asset class increases concentration risk. TechArtha recommends diversification across asset classes based on your risk profile and investment horizon.

Inflation Risk
Conservative investments such as fixed deposits or liquid funds may not generate returns that keep pace with inflation, resulting in erosion of real purchasing power over time.

Regulatory Risk
Changes in SEBI regulations, tax laws, or government policies may affect the performance or tax treatment of investments. TechArtha cannot predict or control regulatory changes.

Step 1 — Contact TechArtha First: For any complaint or grievance related to mutual fund distribution services provided by Sushil Arvind Raul (ARN-330164) through TechArtha Financial Services Pvt Ltd, please contact us first at support@TechArtha.com or call +91 83088 16023. We will acknowledge your complaint within 48 hours and resolve it within 30 days.

Step 2 — Escalation Channels: If your complaint is not resolved to your satisfaction, you may escalate it to the following regulatory authorities: