Legal & Compliance
Important Notice
This disclaimer applies to all services provided by NovaRock Group and its subsidiaries — including NovaRock Advisory, NovaRock Technology, and NovaRock Financial Services. Please read it carefully before using our services or relying on any information provided on our website or through our communications.
By using our services, you acknowledge and accept the terms of this disclaimer. If you do not agree, please discontinue use of our services immediately.
Section 01
The information, services, and content provided by NovaRock Group are for informational and advisory purposes only. While we strive to provide accurate, current, and reliable information, we make no representations or warranties of any kind — express or implied — about the completeness, accuracy, reliability, suitability, or availability of any information, products, services, or related materials.
Any reliance you place on such information or services is strictly at your own risk. We shall not be liable for any loss or damage — including, without limitation, indirect or consequential loss or damage, or any loss of data or profits — arising out of, or in connection with, the use of our services.
Section 02
All investments in securities, mutual funds, stocks, bonds, and other financial instruments involve significant risk, including the potential loss of principal invested. Past performance is not indicative of future results. The value of investments and the income from them can go down as well as up, and investors may not recover the full amount invested.
NovaRock Advisory does not guarantee any specific investment returns, profits, or outcomes. Investment recommendations are based on analysis, research, and professional judgment as of the date provided — but market conditions, economic factors, regulatory changes, and unforeseen events can materially affect investment performance.
General information provided on our website, blog, or marketing materials is not personalised investment advice. Individual investment recommendations require comprehensive assessment of your financial situation, risk tolerance, objectives, and time horizon. Do not make investment decisions based solely on general information without personalised consultation.
While we conduct diligent research, we encourage clients to independently verify information and conduct their own due diligence before making investment decisions. Consult qualified tax advisors, legal counsel, or other professionals as appropriate for your specific circumstances.
Financial markets are inherently volatile and unpredictable. Factors including economic conditions, political events, natural disasters, pandemics, regulatory changes, and market sentiment can cause rapid and significant fluctuations in asset values — sometimes within hours.
Tax laws, securities regulations, and financial regulations are subject to change without notice. Such changes may affect the suitability, tax treatment, or performance of investments. We are not responsible for losses arising from regulatory or legislative changes beyond our control.
Section 03
NovaRock Advisory is registered with the Securities and Exchange Board of India (SEBI) and holds AMFI certification (ARN-344268, valid until September 2028). Our registration and certification do not imply endorsement, approval, or guarantee of our services by SEBI or AMFI.
SEBI registration is a matter of statutory record. It does not mean SEBI has certified the accuracy of our advice, approved our quality, or guarantees future performance of any investments recommended by us. Regulatory bodies do not verify the adequacy of individual investment recommendations.
NovaRock Advisory is also an IRS Registered Tax Preparer (PTIN P03472019) for US tax services. IRS registration similarly does not constitute IRS endorsement or approval of tax advice provided.
Section 04
NovaRock Financial Services acts solely as an intermediary connecting clients with lending institutions and insurance providers. We are not the lender or insurer. Final approval, interest rates, terms, and conditions are determined exclusively by the respective financial institutions based on their own underwriting criteria.
We do not guarantee loan approval, specific interest rates, or insurance policy issuance. Eligibility and approval depend on factors including credit history, income verification, debt-to-income ratio, collateral assessment, and lender-specific criteria entirely beyond our control.
While we strive to accurately represent loan and insurance products, final terms are governed by the agreements between you and the respective lender or insurer. Carefully review all documents, disclosures, and fine print before signing any agreements. We strongly recommend independent legal review for large transactions.
Estimated processing times for loan approvals or policy issuance are indicative only and subject to change based on documentation completeness, verification processes, and lender or insurer workloads. We cannot be held liable for delays caused by third-party processing timelines.
Section 05
We employ industry best practices but cannot guarantee software will be error-free, operate without interruption, or be compatible with all hardware and environments.
Our solutions may rely on third-party APIs and platforms. We are not responsible for changes, downtime, or discontinuation of third-party services affecting our deliverables.
We implement industry-standard security but cannot guarantee absolute protection. Clients share responsibility through proper usage and access controls.
Performance benchmarks are based on testing environments. Actual results may vary based on usage patterns, data volumes, and infrastructure configuration.
Section 06
Content on our website — including articles, blog posts, case studies, whitepapers, and marketing materials — is provided for informational purposes only. It does not constitute professional advice, a recommendation, or a solicitation to purchase any products or services.
While we make reasonable efforts to ensure information accuracy, we do not warrant that website content is always accurate, complete, or current. Information may become outdated, and we are not obligated to update content except as required by applicable regulations.
Our website may contain links to external websites or reference third-party content. We do not endorse, control, or assume responsibility for third-party websites, content, or services. Access to external links is entirely at your own risk.
Testimonials, reviews, and case studies represent individual client experiences and may not be representative of typical results. Outcomes vary based on individual circumstances, market conditions, investment decisions, and numerous other factors outside our control.
Section 07
Our communications may contain forward-looking statements about future plans, projections, expectations, or events. These statements are based on current expectations and assumptions subject to risks, uncertainties, and material changes in circumstances. Actual results may differ materially from forward-looking statements.
We undertake no obligation to update forward-looking statements to reflect events or circumstances after the date made, or to reflect the occurrence of unanticipated events, except as required by applicable law.
Section 08
Our services do not replace the need for professional advice in specialised areas. We strongly recommend:
We may provide general guidance in these areas but are not substitutes for qualified, jurisdiction-specific professional advice tailored to your circumstances.
Section 09
To the fullest extent permitted by law, NovaRock Group and its subsidiaries, officers, directors, employees, and agents shall not be liable for:
Some jurisdictions do not allow limitation of certain liabilities. In such cases, our liability is limited to the maximum extent permitted by applicable law.
Section 10
Our services and information are provided "as is" and "as available" without warranties of any kind — either express or implied — including but not limited to:
Section 11
By using our services, you agree to indemnify and hold harmless NovaRock Group, its subsidiaries, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from:
Section 12
This disclaimer is governed by the laws of India. Any disputes arising from or related to this disclaimer or our services shall be subject to the exclusive jurisdiction of courts in Kurukshetra, Haryana, India. Disputes shall first be attempted for resolution through informal negotiation before formal proceedings.
Section 13
We reserve the right to modify this disclaimer at any time. Changes are effective immediately upon posting with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance of the modified disclaimer.
If any provision of this disclaimer is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. Invalid provisions shall be modified to the minimum extent necessary to make them enforceable while preserving original intent.
Section 14
For questions or clarifications regarding this disclaimer:
NovaRock Group — Legal Department
Email: compliance@novarock.co.in
Phone: +91 94683 65162
Address: Kurukshetra, Haryana, India
Section 15
By using our website, services, or engaging with NovaRock Group in any capacity, you confirm:
"I have read, understood, and agree to be bound by this disclaimer. I accept all risks associated with using NovaRock Group's services and information, and I understand that no guarantees are provided regarding investment outcomes, returns, or results. If I do not agree with any part of this disclaimer, I will not use these services."