Disclaimer

Important disclosures regarding our advisory services, calculator tools, and investment risks.

Investment Risk Warning

Mutual fund investments are subject to market risks. The value of investments can go down as well as up. Past performance is not indicative of future results. Please read all scheme related documents carefully before investing.

Not a Guarantee

Nothing on this website constitutes a guarantee of financial returns, insurance claim approval, or specific financial outcomes. Advisory services provide recommendations based on available information — outcomes depend on factors outside our control.

Regulatory Registration

Insuredge operates as an IRDAI-registered composite broker and SEBI-registered Investment Advisor. Our advisory activities are governed by applicable IRDAI and SEBI regulations. Registration numbers available on request.

Financial Calculator Disclaimer

The financial calculators on this website (SIP Calculator, Insurance Coverage Calculator, Retirement Planner) are provided for educational and illustrative purposes only. Please note:

  • Calculator results are projections based on your inputs and assumed rates — not predictions of actual returns
  • Return rate assumptions (e.g. 12% for equity) are historical averages, not guaranteed future returns
  • Inflation assumptions are estimates — actual inflation may differ significantly
  • Insurance premium estimates are indicative — actual premiums depend on health, occupation, and insurer underwriting
  • Calculator results should not be the sole basis for any financial decision

Always consult with a qualified financial advisor before making significant financial commitments based on calculator outputs.

Investment Advisory Disclaimer

Our mutual fund advisory services are provided under SEBI (Investment Advisers) Regulations, 2013. Please be aware:

  • Our recommendations are based on information you provide — incomplete or inaccurate information may result in unsuitable recommendations
  • Investment recommendations involve a degree of risk — we cannot guarantee returns or protection against market losses
  • We do not execute trades on your behalf — all investment decisions are made by you
  • Past performance data referenced in our content is from publicly available sources and may not be current
  • ELSS and other tax-saving estimates assume current tax rates — tax laws may change

Insurance Advisory Disclaimer

Our insurance advisory is provided under IRDAI composite broker regulations:

  • Insurance is a subject matter of solicitation — products are sold only through prospectus
  • Premium estimates are indicative and vary based on individual risk assessment by the insurer
  • Policy coverage, exclusions, and terms are governed by the policy document issued by the insurer — not by our advice
  • Claim settlement is at the discretion of the insurance company subject to policy terms and conditions
  • Non-disclosure of material facts may void coverage — always disclose fully at time of purchase
  • Insurance products are not bank deposits and are not guaranteed by any government agency

Third-Party Content

Our blog and educational content may reference information from IRDAI, SEBI, AMFI, and other regulatory bodies. While we strive for accuracy, we cannot guarantee that all third-party information is current. Always verify regulatory information directly with the relevant authority.

Links to external websites are provided for convenience only. Insuredge does not endorse and is not responsible for the content of external sites.

Regulatory Information

  • IRDAI Composite Broker Registration: [Registration Number]
  • SEBI RIA Registration: [INA Registration Number]
  • AMFI ARN: [ARN Number]
  • Grievance Redressal: grievance@insuredge.co.in
  • IRDAI IGMS Portal: igms.irda.gov.in
  • SEBI SCORES Portal: scores.sebi.gov.in

Contact for Clarifications

If you have questions about any of these disclaimers or our regulatory obligations, contact us at:

Email: compliance@insuredge.co.in
Address: Insuredge Financial Advisory, Mumbai, Maharashtra, India

This disclaimer was last updated on March 1, 2026. Insuredge reserves the right to update these disclosures at any time. Continued use of our services constitutes acceptance of the current disclaimer.