Investment Disclaimer

Last Updated: November 29, 2025

⚠️ CRITICAL: READ BEFORE USING

MFTracker is an analysis tool ONLY, not an investment advisor. We do NOT provide investment advice, recommendations, or guarantees. All investments carry risk, including potential loss of principal.

YOU are solely responsible for your investment decisions. Please consult qualified financial professionals before investing.

1. No Investment Advice

We Are NOT:

SEBI registered investment advisors
Financial planners or wealth managers
Stock brokers or mutual fund distributors
Tax consultants or legal advisors
Providing personalized financial advice

MFTracker provides tools and information for analysis purposes only. Nothing on this platform should be construed as a recommendation to buy, sell, or hold any security or investment. All content is for educational and informational purposes.

2. Investment Risks

All Investments Involve Risk:

Market Risk: Mutual fund values fluctuate based on market conditions. You may lose money.
Volatility: Small-cap and sector funds can experience extreme volatility (40-60% drops).
Liquidity Risk: Some funds may have restrictions on redemptions or exit loads.
Credit Risk: Debt funds carry risk of default or downgrades.
Concentration Risk: Sector/thematic funds are highly concentrated and risky.

Past performance is NOT indicative of future results. Historical returns shown in our tools do not guarantee future performance. Market conditions change, and returns can be negative.

3. Information Accuracy

While we strive for accuracy, we make no guarantees about the accuracy, completeness, or timeliness of information provided:

Fund data may be outdated or incorrect
Calculations may contain errors or use simplified assumptions
NAV values may not be real-time or current
Categories and classifications may be inaccurate
Red flags and risk scores are algorithmic, not human expert analysis

Always verify information independently before making investment decisions.

4. No Guaranteed Returns

⚠️ Critical Understanding:

• Mutual funds do NOT guarantee returns
• SIP calculators show projections, not promises
• Assumed returns (10%, 12%, 15%) are hypothetical
• Actual returns may be significantly lower or even negative
• Inflation-adjusted returns can differ from nominal returns
• Bull markets do not last forever; corrections happen

5. SEBI Regulations

Regulatory Status:

MFTracker is NOT registered with SEBI (Securities and Exchange Board of India) as an investment advisor, portfolio manager, or research analyst.

We do not charge fees for investment advice because we do not provide investment advice. Our tools are free and informational.

For personalized investment advice, please consult a SEBI-registered Investment Advisor (RIA)who is qualified and authorized to provide such services.

6. Your Responsibility

As a user, YOU are responsible for:

Conducting your own due diligence and research
Verifying all data and calculations independently
Understanding the risks of your investments
Making informed investment decisions
Consulting qualified professionals (financial advisors, tax consultants, lawyers)
Reading fund prospectuses and scheme documents
Understanding your risk tolerance and investment goals
Complying with tax laws and regulations

7. Limitation of Liability

We Are NOT Liable For:

Investment losses or missed opportunities
Errors or inaccuracies in data, calculations, or analysis
Decisions made based on our tools or content
Third-party fund performance or fund house issues
Market crashes, volatility, or economic downturns
Tax implications of your investments
Regulatory changes affecting your portfolio

8. Third-Party Links

Our platform may contain links to third-party websites or resources. We do not endorse, control, or take responsibility for their content, accuracy, or practices. Use third-party resources at your own risk.

9. Tax Implications & Tax Tools

We provide Tax Optimizer and Income Tax Calculator tools for informational and educational purposes only. These tools:

Are NOT professional tax advice or tax planning services
Use simplified assumptions and may not reflect your actual tax situation
May not account for all deductions, exemptions, or recent tax law changes
Cannot replace consultation with a qualified Chartered Accountant or tax professional
Do not guarantee accuracy of tax calculations or optimization strategies

Tax laws are complex and change frequently. We do NOT provide tax advice. Consult a qualified tax professional to understand your specific tax situation, obligations, and optimization opportunities.

Mutual fund investments have tax implications including capital gains tax (LTCG/STCG), dividend taxation, and more. We are not responsible for any tax liabilities, penalties, or missed deductions resulting from use of our tax tools.

10. Goal Planning & Projections

Our Goal Planner tool provides projections and SIP recommendations based on assumptions:

Expected returns are hypothetical and not guaranteed
Inflation assumptions may differ from actual inflation rates
Market volatility is not fully reflected in projections
Goal achievement is not guaranteed and depends on market performance

Life goals are important. Our tool helps you plan, but cannot guarantee outcomes. Consult financial advisors for comprehensive goal-based financial planning.

11. Educational Purpose

MFTracker is designed to help you learn about portfolio analysis, understand mutual fund metrics, and make more informed decisions. It is an educational tool, not a substitute for professional financial advice.

Final Important Reminder

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing.

YOU ALONE are responsible for your investment decisions and their outcomes. MFTracker provides tools, not advice. Use professional advisors for personalized guidance.

By using MFTracker, you acknowledge that you have read, understood, and accept this disclaimer in its entirety.

Questions about this disclaimer?