Disclaimer

Last modified:

July, 2026

1. About This Disclaimer

This website, https://claritaswealth.in (the “Website”), is owned and operated under the “Claritas” brand by two related but separate entities:

  • Claritas Wealth & Distribution LLP (the “Distribution Entity”) — an AMFI-registered Mutual Fund Distributor (ARN 331581), AMFI-registered Specialised Investment Fund (SIF) Distributor (ARN 331581) and APMI-registered Portfolio Management Services (PMS) Distributor (APRN 06348). LLPIN: ACM-4310.
  • Claritas Insights LLP (the “Advisory Entity”) — a SEBI-Registered Investment Adviser (Registration No. INA000022376, registered as a Non-Individual Investment Adviser with effect from 24 April 2026), enlisted with BSE Administration & Supervision Ltd. (BASL Enlistment No. 2483). LLPIN: ACT-4963.

Both entities have their principal place of business at 2006, One World by Sanjar, SV Road, Malad West, Mumbai, Maharashtra – 400064. References to “Claritas,” “we,” “us” or “our” mean the relevant entity depending on the service in question. Distribution services are provided solely by the Distribution Entity; investment advisory services are provided solely by the Advisory Entity. The two are separate legal entities (see “Separation of Advisory and Distribution” below). This Disclaimer governs your access to and use of the Website and should be read together with our Privacy Policy, Terms & Conditions and Regulatory Disclosures.

2. Definitions

  • “Website” means https://claritaswealth.in and all of its pages, tools and content.
  • “Content” means all information, data, text, graphics, tools, calculators and material made available on the Website.
  • “Products” means the financial products and instruments referred to on the Website, including mutual funds, SIF, PMS, AIFs, bonds and other securities.
  • “Client” means a person who has entered into a written agreement with the Advisory Entity or the Distribution Entity for the relevant services.

3. Acceptance

By accessing or using the Website, you confirm that you have read, understood and agree to this Disclaimer. If you do not agree, please do not use the Website.

4. Accuracy and Completeness of Information

Claritas has taken reasonable care to ensure that the information on the Website is authentic and adequate at the time of publication. Some information is obtained from third-party sources such as asset management companies, exchanges, registrars and data providers, and is provided on an “as is” basis. We do not warrant the accuracy, completeness, reliability or timeliness of any Content, which may change without notice and may contain inadvertent errors or omissions. We reserve the right to amend, update or remove any Content at any time without prior notice and accept no responsibility for any errors or omissions.

5. Nature of Information on the Website — Not Investment Advice

The Content on the Website is general in nature and is provided for information and educational purposes only. It does not constitute investment, financial, tax, legal, accounting or other professional advice, and does not take into account the specific objectives, financial situation, risk appetite or needs of any particular person. Nothing on the Website is, or should be construed as, a recommendation, offer, solicitation or inducement to buy, sell or hold any security or financial product. Any tools, calculators, illustrations or model portfolios on the Website are for illustration only, are based on assumptions that may not materialise, and must not be relied upon as advice. Mere access to or use of the Website does not create an advisory, fiduciary or client relationship with Claritas.

Personalised investment advice is provided only by Claritas Insights LLP, and only under a written investment advisory agreement, after completion of client KYC, risk profiling and a suitability assessment.

6. Investment Advisory Services (Claritas Insights LLP)

Investment advisory services are offered by Claritas Insights LLP in its capacity as a SEBI-Registered Investment Adviser, on a fee basis, under a signed advisory agreement, in accordance with the SEBI (Investment Advisers) Regulations, 2013. In this capacity:

  • We act in a fiduciary capacity and provide advice based on the documented risk profile, objectives, suitability and financial circumstances of each client.
  • Advisory fees are charged transparently in one of the modes permitted by SEBI, are disclosed to the client in advance, and are payable regardless of the performance of any investment.
  • Our advice is non-binding. The client is free to accept, reject or act independently of any advice, and remains responsible for all investment decisions.
  • We do not guarantee or assure any return, performance or outcome. All investments are subject to market and other risks, and the client bears the investment risk and makes the final investment decision.
  • We do not hold, manage, or have custody, control or power of attorney over client funds or securities. Clients execute and settle all transactions independently through their own accounts.
  • We do not earn any commission, brokerage or other consideration from product manufacturers in respect of advice rendered to advisory clients.
  • Either party may terminate the advisory relationship in the manner set out in the advisory agreement.

7. Distribution Services (Claritas Wealth & Distribution LLP)

Distribution services for mutual funds, SIF and PMS are offered by Claritas Wealth & Distribution LLP in its capacity as a distributor, on an execution-facilitation basis, in accordance with applicable AMFI / APMI guidelines and codes of conduct. In this capacity:

  • We act as a facilitator between you and the product manufacturer (for example, the asset management company or portfolio manager) and may receive commission, trail or brokerage from the manufacturer, which is disclosed as required.
  • We do not provide investment advice in this capacity; distribution is on a non-advisory, “execution-only” basis, and any information shared is factual and product-related.
  • The decision to invest, and the selection of products, rests solely with you.
  • Mutual fund investments are subject to market risks; read all scheme-related documents carefully before investing.
  • Any dispute regarding an underlying product (for example, redemption delays by an AMC) must be taken up directly with the respective product manufacturer.

8. Separation of Advisory and Distribution

Advisory services and distribution services are provided through two separate legal entities at arm’s length, with segregation maintained at the client level, in line with applicable SEBI requirements. Advisory services are provided on a fee basis by Claritas Insights LLP; distribution services are provided on a commission basis by Claritas Wealth & Distribution LLP. A client may choose either advisory services or distribution services; however, the same client shall be classified exclusively as either an advisory client or a distribution client and shall not be onboarded, serviced or charged for both services simultaneously. Where a potential conflict of interest exists, it will be disclosed to the client. This segregation is maintained through separate agreements, separate fee / commission arrangements and appropriate internal controls, and is subject to periodic compliance review and the annual audit applicable to the Advisory Entity.

9. Risk Factors and Performance

All investments in securities and financial products — including mutual funds, SIF, PMS, AIFs, bonds and other instruments — carry risk, including the possible loss of principal. Such risks include, among others, market risk, liquidity risk, credit and default risk, interest-rate risk, currency risk, concentration risk and regulatory or tax-related risk. Different products carry different risk profiles, and PMS and AIF products in particular carry specific risks described in their respective disclosure / offer documents, which you must read carefully before investing. Past performance is not indicative of, and does not guarantee, future results. Any projections, illustrations or target returns are hypothetical, are not promises, and may not be achieved. There is no assurance that any investment objective will be met or that capital will be returned.

10. SEBI and AMFI Registration Disclaimers

Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, enlistment with BSE Administration & Supervision Ltd. (BASL) and certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors. Registration with SEBI, AMFI or APMI does not imply any endorsement, approval or recommendation by the regulator of the quality of our services or of any product.

11. Forward-Looking Statements

The Website may contain “forward-looking statements” — including expectations, estimates, projections and opinions. These involve known and unknown risks, assumptions and uncertainties, and actual events, results or returns may differ materially from those expressed or implied. We undertake no obligation to update any forward-looking statement.

12. Intellectual Property

All content on the Website — including the Claritas name, logo, trademarks, text, graphics and design — is owned by or licensed to Claritas and is protected by applicable intellectual-property laws. You may not copy, reproduce, republish, distribute or create derivative works from any part of the Website without our prior written consent.

13. Third-Party Links and Content

The Website may contain links to third-party websites or content provided for convenience only. We do not control, endorse or accept responsibility for any third-party website, content, product or service, and your use of them is at your own risk and subject to their terms.

14. Use of the Website

You agree to use the Website only for lawful purposes and not to interfere with its operation, security or availability, attempt unauthorised access, or use it to transmit any unlawful or harmful material.

15. Jurisdiction and Intended Audience

The Website and its Content are intended for persons resident in India and are not directed at any person in any jurisdiction where such access, distribution or use would be contrary to law or regulation. Nothing on the Website constitutes an offer or solicitation in any jurisdiction where it would be unlawful. Non-resident Indians and other investors are responsible for complying with the laws of their jurisdiction before availing any service.

16. Anti-Money Laundering and KYC

All clients are subject to KYC and customer due-diligence requirements under the Prevention of Money Laundering Act, 2002 and applicable SEBI / regulatory norms. We may decline to onboard, or to continue, any relationship that does not meet these requirements.

17. Limitation of Liability

To the fullest extent permitted by law, and except in respect of the fiduciary duties owed by Claritas Insights LLP as a SEBI-Registered Investment Adviser:

  • The relevant entity, its partners and employees shall not be liable for any direct, indirect, incidental, special or consequential loss or damage arising from your access to or use of, or reliance on, the general information provided on the Website.
  • We shall not be liable for any loss arising from third-party content or links, or from any technical failure, interruption, virus, unauthorised access or data loss, or from any event beyond our reasonable control (force majeure).

[Note for compliance: the liability of the Advisory Entity in respect of advisory services is governed by the advisory agreement and applicable SEBI regulations and is not excluded in the manner applicable to general website content.]

18. Indemnification

You agree to indemnify and hold harmless the relevant Claritas entity, its partners and employees from any claim, damage or expense (including reasonable legal fees) arising from your breach of the applicable terms or misuse of the Website or services. This clause applies to use of the Website and distribution services and does not override the rights available to advisory clients under the advisory agreement or SEBI regulations.

19. Professional Consultation

You are advised to consult the relevant Claritas entity or a qualified professional to assess suitability before making any investment decision.

20. Grievance Redressal

We are committed to addressing client concerns promptly. For any query, complaint or grievance:

  • General / distribution matters: info@claritaswealth.in
  • Investment advisory matters (Claritas Insights LLP): as set out on our Regulatory Disclosures page, where the Principal Officer and Compliance Officer details are published.

We endeavour to acknowledge complaints promptly and to resolve them within the timelines prescribed by the relevant regulator. If you are not satisfied with the resolution, advisory clients may escalate to SEBI through the SCORES platform (scores.sebi.gov.in) and, where applicable, through the Online Dispute Resolution (ODR) portal (smartodr.in). Please refer to the Regulatory Disclosures page for the current grievance-redressal details and the Investor Charter.

21. Amendments

We may revise this Disclaimer at any time by posting an updated version on the Website. The “Last modified” date indicates the latest revision, and your continued use of the Website constitutes acceptance of the revised Disclaimer.

22. Severability and Waiver

If any provision of this Disclaimer is held invalid or unenforceable, the remaining provisions shall continue in full force. Our failure to enforce any provision shall not constitute a waiver of it.

23. Governing Law and Jurisdiction

This Disclaimer is governed by the laws of India. Any dispute is subject to the exclusive jurisdiction of the courts at Mumbai, Maharashtra.

24. Contact

  • Address: 2006, One World by Sanjar, SV Road, Malad West, Mumbai, Maharashtra – 400064
  • Email: info@claritaswealth.in