Dear Readers,

Thank you for visiting Funds & Savings. Please read this disclaimer carefully before using any information on this website.

Effective Date: December 07, 2025

1. Educational Purpose Only

This blog is created to educate readers about personal finance, IPO investments, stock market analysis, and algorithmic trading. All content on this website is for informational and educational purposes only.

Important: The information provided here should NOT be considered as financial advice, investment advice, or trading recommendations. We strongly encourage you to consult with a qualified and SEBI-registered financial advisor before making any investment decisions.

2. Not SEBI Registered Advisors

Critical Notice: Mahesh Bhat M (the author) and Funds & Savings are NOT SEBI-registered investment advisors or research analysts. We do not provide personalized investment advice.

All articles represent the author’s personal views and educational content only. These should not be treated as professional financial recommendations.

3. Investment Risks

All investments carry risk. Stock market investments, IPO applications, mutual funds, and trading involve the risk of financial loss, including potential loss of your entire investment.

• Past performance does not guarantee future results
• Market conditions change rapidly without warning
• IPO investments are particularly risky

You are solely responsible for any investment decisions you make. Funds & Savings will not be liable for any losses or damages resulting from your investment decisions based on information from this website.

Always do your own research and consult qualified financial professionals before investing.

4. Accuracy of Information

We strive to provide accurate and up-to-date information. However:

• Market data, stock prices, and IPO dates may change without notice
• We rely on third-party sources including SEBI, BSE, NSE, and company websites
• We provide links to official sources for readers to verify information independently
• Third-party data may change, and we cannot be responsible for such changes

5. No Affiliation with Financial Institutions

Funds & Savings is NOT affiliated with any mutual fund companies, stock brokerages, insurance companies, banks, IPO companies, or investment firms. We maintain complete editorial independence.

6. Advertising and Google AdSense 

We accept advertisements from Google AdSense and other advertising networks. These ads may appear as display banners, in-content ads, sidebar advertisements, or text links on our website. 

Important: The products and services advertised through Google AdSense are not endorsed or recommended by Funds & Savings. We have no control over ad content. 

Before purchasing any advertised product or service: 

– Conduct your own research 

– Verify the advertiser’s credibility 

– Read terms and conditions carefully 

– Consult a financial advisor for financial products

7. External Links and Third-Party Websites 

Our website contains links to external websites including stock exchanges (BSE, NSE), SEBI, company websites, and other resources. While we link to reputable sources, we have no control over external website content or privacy practices. 

– We don’t endorse external website content. 

– External sites have their own privacy policies and terms. 

– Access external websites at your own risk.

Review external websites’ policies before providing personal information.

8. Limitation of Liability 

To the fullest extent permitted by law, Funds & Savings shall not be liable for: 

– Financial losses from investment decisions based on our content. 

– Any direct, indirect, or consequential damages.

– Errors or omissions in our content.

– Actions taken based on third-party advertisements.

9. Market Commentary and Analysis 

Market analysis, stock commentary, IPO reviews, and trading strategies discussed on this website are: 

• Based on publicly available information.
• The author’s personal opinions.
• Subject to change based on market conditions.
• Not guaranteed to be accurate or profitable 

Do NOT use these as the sole basis for investment decisions.

10. Affiliate Links 

Currently, we do not use affiliate links. However, we may include affiliate links in our articles in the future. If we do, you will be notified and any affiliate relationships will be clearly disclosed. 

If you purchase through affiliate links, we may earn a commission at no additional cost to you. Affiliate relationships will not influence our editorial content or opinions.

11. Guest Posts

Guest posts are clearly marked and represent the contributor’s views, not necessarily those of Funds & Savings. Verify information from guest posts independently before acting on it.

12. Contact Us

For questions or feedback regarding this disclaimer, contact us at:

Email: fundsandsavings@gmail.com 

Regards,

Funds & Savings Team