Disclaimer

Please read this disclaimer carefully. Your use of WealthVizio confirms that you have understood and accepted everything below in addition to our Terms of Service and Privacy Policy.

1. Educational purpose only

WealthVizio is an educational and self-help personal-finance platform. Every calculator output, AI Advisor response, blog article, comparison guide and dashboard metric on the Service is for general informational and educational purposes only. It is not a recommendation, solicitation or offer to buy or sell any financial product or service.

2. Not SEBI-registered, not a regulated adviser

• WealthVizio is not registered with SEBI as an Investment Adviser, Research Analyst, Portfolio Manager, Stock Broker, Mutual Fund Distributor or Sub-broker.
• WealthVizio is not registered with IRDAI as an insurance broker, agent or web aggregator.
• WealthVizio is not an RBI-licensed bank, NBFC, payment system operator or credit rating agency.
• Nothing on the Service should be construed as “investment advice”, “portfolio advice” or “research analysis” within the meaning of the SEBI (Investment Advisers) Regulations, 2013 or SEBI (Research Analysts) Regulations, 2014.
• For personalized investment advice, please consult a SEBI-registered Investment Adviser (RIA) with a valid registration number.

3. AI Advisor (“Vizo”) is an educational assistant

• The AI Advisor is a large-language-model-powered educational chatbot, not a financial professional.
• Responses are generated probabilistically and may be factually wrong, outdated, biased or incomplete. Tax rates, regulatory limits, scheme details and product features change frequently; the model may not reflect the most current data.
• Never act on an AI response without independently verifying the underlying numbers, regulations and product terms.
• Never share your full bank credentials, OTPs, card CVVs, demat passwords or KYC documents with the AI Advisor. We do not need them, and the chat is not the right place for them.
• The AI Advisor will refuse to provide buy/sell calls on specific stocks or recommend specific NFOs, IPOs or insurance products.

4. Calculators are illustrative projections

• All calculator outputs (SIP, EMI, FD, PPF, retirement corpus, FIRE, mutual-fund returns, etc.) are indicative projections based on the assumptions and inputs you provide.
• Projected returns are not guaranteed. Real returns may be materially different due to market conditions, fees, taxes and personal circumstances.
• Tax calculators provide a simplified view of the law as we understand it on the “Last updated” date; complex situations (capital gains, ESOP, foreign income, business income, presumptive taxation, etc.) need a qualified Chartered Accountant.
• Where a calculator references Cost Inflation Index, Repo Rate, PPF rate, FD rate, slab rates, surcharge thresholds or similar government-published figures, you must verify the latest official number before relying on the output.

5. Market risk and product warnings

• Mutual Fund Standard Disclaimer: Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.
• Equity: Stock prices fluctuate; you can lose part or all of your invested capital. There is no assured return on any equity investment.
• Derivatives, F&O, intraday and leveraged products: Carry high risk and may not be suitable for retail investors. SEBI studies have shown that the vast majority of retail F&O traders incur losses.
• Crypto / Virtual Digital Assets: Highly volatile, unregulated as investment products in India, taxed at 30% with TDS under Section 194S, and may face additional regulatory restrictions. We do not recommend allocating funds you cannot afford to lose.
• Insurance: Insurance is the subject matter of solicitation. We do not sell or solicit any insurance product. Read the policy wording, exclusions and free-look period before buying.

6. Third-party content and product comparisons

• Comparison guides (credit cards, banks, mutual funds, etc.) use publicly available data at the time of writing. Features, fees and benefits change frequently — confirm directly with the issuer before applying.
• WealthVizio does not earn commissions from these issuers for the comparisons shown unless explicitly disclosed as an “affiliate” or “partner” link.
• We do not control external websites that we link to; visiting them is at your own risk and subject to their terms.

7. No fiduciary duty, no client relationship

Using the Service does not create a client–adviser, broker–client, agent–principal, fiduciary, trustee or any other special relationship between you and WealthVizio. Any decision you make is your own and made at your sole risk.

8. Tax and legal advice

For tax filings, GST compliance, capital-gain treatment, NRI taxation, estate planning, will drafting and any legal question, please consult a qualified Chartered Accountant or advocate. We can show frameworks and rules of thumb; we cannot substitute for personal professional advice.

9. Errors and changes

• We make reasonable efforts to keep the Service accurate, but we do not warrant that it is error-free, complete or current.
• We may add, change or remove calculators, content and features without notice.
• If you spot an inaccuracy, please email info@payvizio.com so we can investigate.

10. Limitation of liability

To the maximum extent permitted by law, WealthVizio, its directors, officers, employees and partners shall not be liable for any loss, damage, cost or expense arising from your reliance on the Service, including but not limited to investment losses, tax penalties, missed opportunities or loss of data. Please see our Terms of Service for the full limitation clause.

11. Reporting concerns

If you believe a feature, calculator or AI response is misleading, unsafe or inappropriate, please report it to info@payvizio.com. We take such reports seriously and will investigate.