Disclaimer
Last Updated: December 31, 2025
IMPORTANT NOTICE
InvestingPro is an information and comparison platform ONLY. We do NOT provide investment advice, financial advisory services, or act as brokers/distributors.
All financial decisions are made at YOUR OWN RISK. Please consult a SEBI-registered investment advisor before making any financial decisions.
1. General Disclaimer
InvestingPro provides financial product comparison and educational content for informational purposes only. We do not offer personalized financial advice, tax planning, investment recommendations, or portfolio management services.
We are not:
- SEBI-registered investment advisors (RIA)
- Mutual fund distributors
- Insurance brokers (IRDAI-registered)
- Financial planners or wealth managers
- Credit counselors or debt advisors
2. Investment Risk Disclaimer (Mutual Funds & Securities)
STANDARD SEBI DISCLAIMER:
Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing.
- Past performance is not indicative of future results
- NAV (Net Asset Value) may go up or down
- There is no guarantee of returns or capital protection
- Investment in securities market involves risk of capital loss
- Equity investments carry higher risk but potential for higher returns
- Debt fund returns are subject to interest rate fluctuations
Before Investing: Consult a SEBI-registered investment advisor (RIA) to assess your risk profile, financial goals, and suitability.
3. Credit Product Disclaimer (Loans & Credit Cards)
Credit approval is subject to lender criteria and underwriting policies. Interest rates, fees, and terms shown on InvestingPro are indicative and may vary based on:
- Credit score (CIBIL, Experian, Equifax, CRIF)
- Income level and employment status
- Debt-to-income ratio
- Lender's internal risk assessment
- Market conditions and RBI policy changes
Important: Borrowing involves legal obligations. Failure to repay may result in penalty charges, credit score damage, and legal action.
RBI Guidelines: Borrow responsibly. Do not over-leverage. Ensure EMI payments fit within your budget.
4. Insurance Product Disclaimer
Insurance information is for comparison purposes only. Policy terms, coverage, exclusions, and premiums may vary by insurer.
- Read the policy document carefully before purchasing
- Understand exclusions, waiting periods, and claim procedures
- Declare pre-existing conditions honestly to avoid claim rejection
- Premium rates depend on age, health status, and coverage selected
IRDAI Disclaimer: Insurance is the subject matter of solicitation. For product details, benefits, and exclusions, refer to the policy document.
5. Calculator Disclaimer
Our financial calculators (SIP, EMI, Tax, FD, etc.) provide ESTIMATES based on inputs you provide. Actual results may vary due to:
- Market fluctuations and volatility
- Changes in interest rates, tax laws, or regulations
- Entry/exit loads, expense ratios, and processing fees
- Rounding errors and compounding frequency differences
Calculator results should NOT be solely relied upon for financial decisions. Consult a financial advisor for accurate projections.
6. Product Information Accuracy
We strive to provide accurate and up-to-date product information, but:
- Interest rates, fees, and features change frequently
- Information shown may not reflect the latest updates
- Product availability varies by location and customer profile
- Promotional offers and discounts are time-limited
Always verify details with the financial institution before applying. InvestingPro is not responsible for outdated or inaccurate information.
7. Affiliate Commission Disclosure
InvestingPro earns commission from financial institutions when you:
- Click on "Apply Now" buttons and complete applications
- Are approved for credit cards, loans, or other products
- Open investment accounts or purchase financial products
Editorial Independence: Affiliate relationships do NOT influence our ratings, rankings, or editorial content. Our reviews are based on objective criteria such as features, fees, customer reviews, and product quality.
For full transparency, see: How We Make Money
8. No Liability for Financial Losses
InvestingPro and its affiliates SHALL NOT be held liable for:
- Financial losses arising from investment decisions
- Rejected loan/credit card applications
- Inaccurate product information or outdated data
- Calculator errors or estimation differences
- Third-party actions (banks, AMCs, insurers, etc.)
- Market fluctuations or economic downturns
User Responsibility: You acknowledge that all financial decisions are made at your own risk and discretion.
9. Third-Party Links and Services
When you click "Apply Now" or external links, you are redirected to third-party websites (banks, NBFCs, AMCs, insurance companies):
- We do not control third-party websites or their practices
- Your interactions are governed by THEIR terms and privacy policies
- We are not responsible for application rejections or approval delays
- Disputes with providers must be resolved directly with them
10. Tax Implications
Tax calculators and information are for reference only. Tax laws in India are complex and subject to change:
- Income tax rates and deductions vary by income slab
- Capital gains tax depends on holding period and asset class
- TDS (Tax Deducted at Source) applies to certain investments
- Exemptions under Section 80C, 80D, 10(10D), etc. have limits and conditions
Consult a certified tax professional or CA (Chartered Accountant) for personalized tax advice.
11. Regulatory Compliance
InvestingPro complies with applicable Indian laws, including:
- Digital Personal Data Protection Act (DPDP), 2023
- Information Technology Act, 2000
- Consumer Protection Act, 2019
- Advertising Standards Council of India (ASCI) guidelines
We are NOT regulated by:
- SEBI (Securities and Exchange Board of India)
- IRDAI (Insurance Regulatory and Development Authority of India)
- RBI (Reserve Bank of India)
- AMFI (Association of Mutual Funds in India)
12. User Reviews and Ratings
User-submitted reviews reflect individual opinions and experiences:
- Reviews are NOT verified financial advice
- Ratings are subjective and may not reflect your experience
- We moderate reviews for spam but cannot guarantee accuracy
- Product providers may have different policies or offerings now
13. How to Use InvestingPro Safely
Best Practices:
- ✅ Use InvestingPro for comparison and research
- ✅ Verify product details with the provider before applying
- ✅ Consult a SEBI-registered advisor for investment decisions
- ✅ Read all scheme documents and terms & conditions
- ✅ Assess your risk tolerance and financial goals
- ✅ Diversify investments to reduce risk
- ✅ Borrow only what you can afford to repay
14. Contact for Queries
If you have questions or concerns about this disclaimer or our services:
FINAL REMINDER
InvestingPro is an information platform. We do NOT sell financial products, provide financial advice, or act as intermediaries. All transactions are between you and the financial product providers.
INVEST WISELY. BORROW RESPONSIBLY. INSURE ADEQUATELY.