Privacy Policy Terms & Conditions Statutory Disclaimers
REGULATORY DISCLOSURES & RISK WARNINGS • IRDAI & SEBI Compliant

Statutory Disclaimers

Mandatory statutory warnings, financial market risk notices, intermediary status declarations, and illustrative calculation boundaries governing NidhiSetu Pranali.

Regulatory FrameworkIRDAI & SEBI Guidelines
Advisory EntityNidhiSetu Pranali
JurisdictionIndia
Document StatusActive & Enforced
IRDAI Statutory Notice“Insurance is the subject matter of solicitation.”

The policy contract is strictly between the policyholder and the underwriting insurance company. All claims are settled per policy terms, waiting periods, and exclusions.

SEBI / AMFI Statutory Notice“Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.”

Past performance is not an indicator of future returns. Net Asset Values (NAV) fluctuate with capital market movements.

Financial Projection Notice“Calculators and illustration tools provide hypothetical estimates.”

SIP projections and premium estimations are purely illustrative tools to assist your planning and do not constitute promised return contracts.

Disclosure 01

1. Core Statutory Warnings

In compliance with guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI) and the Securities and Exchange Board of India (SEBI), clients and website visitors are advised of the following foundational statutory disclosures:

A.

Insurance Solicitation: Insurance is the subject matter of solicitation. The information provided on this website is for general illustrative and educational purposes and does not constitute a legal contract of insurance.

B.

Mutual Fund Market Risk: Mutual fund investments are subject to market risks. Please read all scheme-related documents (Key Information Memorandum & Scheme Information Document) carefully before investing.

Disclosure 02

2. Insurance Advisory & Claims Discretion

NidhiSetu Pranali provides independent insurance comparison and claims guardianship assistance. However:

  • • No Underwriting Authority: Acceptance or rejection of an insurance proposal, determination of premium loadings, waiting periods, and room-rent eligibility are at the sole discretion of the underwriting insurance company.
  • • No Claim Settlement Guarantee: Settlement of hospitalization claims, cashless approvals, or reimbursement amounts is determined exclusively by the insurer/TPA based on the policy wording, medical history, and pre-existing disease disclosures.
  • • Exclusions & Sub-limits: Every policy has standard exclusions (e.g., cosmetic surgery, self-inflicted injury, unproven treatments) and waiting periods (initial 30-day waiting period, 24-month specific ailments waiting period, and pre-existing conditions waiting period). Please review policy clauses before concluding purchase.
Disclosure 03

3. Mutual Funds & Market Risk Disclosures

When accessing mutual fund information or setting up Systematic Investment Plans (SIP):

Past Performance Is Not Indicative:

Historical scheme returns, CAGR rates, and benchmark comparisons are historical data and do not guarantee future yields or capital appreciation.

Capital Volatility & NAV Movement:

The Net Asset Value (NAV) of mutual fund units fluctuates based on factors impacting securities markets, interest rates, liquidity, and economic conditions.

Disclosure 04

4. Distributor Role & Regulatory Commission Disclosures

NidhiSetu Pranali operates as an AMFI-registered Mutual Fund Distributor (MFD) and an insurance advisory facilitator.

In accordance with regulatory disclosure norms:

  • • As a distributor, NidhiSetu receives statutory commission / brokerage from Asset Management Companies (AMCs) for distribution of Regular Plan mutual fund schemes, and commission from Insurance Companies as regulated by IRDAI.
  • • Our recommendations are guided strictly by client goals, suitability, and risk appetite, adhering to the AMFI Code of Conduct.
  • • Details of commission rates across asset classes are available upon client request.
Disclosure 05

5. Digital Calculators & Financial Projections

Calculators available on this platform (such as SIP Calculators, Retirement Planners, Term Cover Estimators, and Premium Indicators) are designed purely to provide mathematical illustrations based on user-supplied variables and assumed growth rates.

They do not guarantee that your portfolio or premiums will perform at the simulated figures. Actual returns depend on market realisations, taxation, fund expense ratios, and underwriting risk evaluation.

Disclosure 06

6. Tax Law Disclaimers (Sections 80D, 80C & 10(10D))

Any mention of income tax deductions under Section 80D (Health Insurance), Section 80C (Life Insurance / ELSS Mutual Funds), or Section 10(10D) (Maturity proceeds) is based on the provisions of the Income Tax Act, 1961 as applicable for the prevailing assessment year.

Tax benefits depend on the individual taxpayer's chosen tax regime (Old vs. New Tax Regime under Section 115BAC) and individual tax status. You should consult a qualified Chartered Accountant (CA) or tax advisor before making tax-related financial commitments.

Disclosure 07

7. Third-Party Trademarks & Logos

All third-party trademarks, company names, logos, and emblems displayed on this platform (including but not limited to Star Health, Care Health, HDFC ERGO, ICICI Lombard, Niva Bupa, Tata AIG, SBI Mutual Fund, Nippon India Mutual Fund, ICICI Prudential Mutual Fund, etc.) are the registered intellectual property of their respective corporate owners.

Their display on this platform is purely nominative to indicate insurance and mutual fund schemes facilitated through our advisory network.

Disclosure 08

8. Zero Tolerance: No Unregulated or Chit Fund Schemes

NidhiSetu Pranali deals strictly in legitimate financial products authorized by statutory Indian regulators (IRDAI, SEBI, RBI).

Consumer Anti-Fraud Notice:

We do NOT operate, promote, or accept investments into unregulated deposit schemes, chit funds, binary trading, multi-level marketing (MLM), or guaranteed high-return doubling schemes. If any individual claiming to represent NidhiSetu promises guaranteed fixed returns, please report immediately to our compliance desk.

Disclosure 09

9. Compliance & Regulatory Inquiries

If you require clarification on any regulatory disclosure or wish to verify our distributor credentials:

Compliance DeskNidhiSetu Pranali Compliance & Regulatory Division
Office LocationNashik, Maharashtra 422005, India
Related Legal & Regulatory Documents

Explore full documentation on how your data is treated and the terms of our advisory agreements.