Risk Disclaimer

All investments in securities — including equity, debt, mutual funds, ETFs, derivatives, REITs, InvITs, and other financial instruments — are subject to market risks. The value of investments may fluctuate and investors may receive back less than the amount originally invested.

Past performance of any security, portfolio, or investment strategy is not indicative of, and does not guarantee, future results. No representation or warranty, express or implied, is made as to the accuracy, completeness, or fairness of any information, projection, or recommendation contained herein.

Rahul Rajgopal Wealth Advisor does not promise, guarantee, or assure any specific rate of return, income, profit, or capital appreciation on any investment. Any projections, estimates, or illustrations of potential returns contained in advisory outputs, diagnostic reports, or communications are indicative only and are based on assumptions that may not materialise.

Advisory outputs, including the Wealth Diagnostic Report, are diagnostic and analytical in nature. They do not constitute a promise of financial outcomes.

All advisory services provided by Rahul Rajgopal Wealth Advisor are strictly non-discretionary. The adviser does not have authority to execute transactions, manage funds, or take investment decisions on behalf of clients.

Investment recommendations are based on the financial information, risk profile, and investment objectives provided by the client. The suitability of any recommendation is contingent on the accuracy and completeness of such information. Clients are solely responsible for all investment decisions made based on advisory outputs.

• Market Risk: Securities prices fluctuate due to economic conditions, interest rate changes, geopolitical events, and other factors outside the adviser's control.
• Liquidity Risk: Some securities may be illiquid or difficult to exit at the desired price and time.
• Concentration Risk: Portfolios concentrated in specific sectors, geographies, or asset classes carry higher risk of loss.
• Currency Risk: NRI clients investing in India-denominated assets are exposed to INR/foreign currency exchange rate fluctuations.
• Regulatory Risk: Changes in SEBI regulations, tax laws, or government policy may adversely affect investment values.
• Inflation Risk: Returns may not keep pace with inflation, resulting in erosion of real purchasing power over time.
• Credit Risk: Debt instruments carry the risk of issuer default or rating downgrade.
• Technology Risk: Digital platforms and automated tools are subject to technical failures, data errors, or cybersecurity vulnerabilities.

Rahul Rajgopal Wealth Advisor operates on a strictly fee-only, conflict-free basis. We do not receive commissions, trail fees, referral payments, incentives, or any form of remuneration from product manufacturers, fund houses, brokers, or distributors in respect of any product recommended.

We do not execute transactions, hold client funds, manage portfolios on a discretionary basis, or provide custody services. All execution, if required, must be independently arranged by the client through their own broker or financial institution.

The Wealth Diagnostic Report is generated using automated metric calculations, rule-based scoring algorithms, and structured data analysis. While the adviser is responsible for all advisory content, the following limitations apply:

• The report is based solely on information provided by the client in the intake form. Incomplete or inaccurate inputs will result in outputs that do not accurately reflect the client's actual financial position.
• The report represents a point-in-time analysis. Financial circumstances change and the report should be reviewed periodically.
• The report does not constitute a comprehensive financial plan, tax advice, legal advice, or estate planning advice.
• Products outside SEBI's regulatory purview — including insurance, NPS, EPF, real estate, unlisted securities, and foreign assets — are covered for diagnostic context only. No SEBI regulatory recourse is available for advice on such products.

Artificial intelligence tools and automated processing are used in generating certain components of the Wealth Diagnostic Report, including scoring calculations, visual outputs, and interpretive text generation. As mandated by SEBI's January 2025 Guidelines, clients are informed that:

• AI-assisted outputs are reviewed by the registered adviser before delivery
• The adviser is solely accountable for all advisory recommendations
• Clients should review all AI-generated outputs carefully
• Clients may request clarification on any automated output at any time

Where advisory input is provided on financial products or services outside the regulatory purview of SEBI — including but not limited to insurance products, National Pension System (NPS), Employee Provident Fund (EPF), real estate, unlisted equity, and foreign investments — clients are expressly informed that no complaint can be raised to SEBI in respect of such advice, and SEBI provides no investor protection for such products.

This platform may reference publicly available data, market information, or third-party sources for illustrative purposes. Rahul Rajgopal Wealth Advisor does not warrant the accuracy, completeness, or timeliness of such third-party information and accepts no liability for errors or omissions therein.

• SEBI Registration No.: INA000021933
• BASL Membership No.: 2446
• Type: Individual Investment Adviser
• Regulatory framework: SEBI (Investment Advisers) Regulations, 2013
• SEBI SCORES: scores.sebi.gov.in
• SmartODR: smartodr.in