Legal & Regulatory Disclaimer

General Information Notice

The content published on novarock.co.in, associated subdomains, marketing collateral, social communications, and research briefs is provided solely for informational, educational, and preliminary evaluation purposes. Nothing on this platform constitutes a direct offer, solicitation, or recommendation to purchase or sell any security, financial product, or instrument, or to engage in any specific investment or tax strategy.

Users must evaluate recommendations in the context of their specific financial position, tax residency, liquidity needs, and risk tolerance, seeking independent legal or tax counsel where necessary.

Mutual Fund Risk Disclosures

Mutual fund distribution is conducted by Jasvinder Singh under AMFI Registration Number ARN-344268 (EUIN E655156). All mutual fund schemes and market-linked securities carry inherent risks, including the potential fluctuation or permanent loss of invested principal.

• Net Asset Value (NAV) of schemes may appreciate or depreciate depending on prevailing equity, debt, and macroeconomic forces.
• Past performance figures displayed on research notes or third-party feeds do not guarantee future returns.
• Asset allocation strategies, portfolio modeling, and diversification do not entirely eliminate the risk of investment losses during systematic market contractions.

No Guaranteed Returns

Neither NovaRock Group, NovaRock Advisory, nor founder Jasvinder Singh guarantees any specific rate of return, annual yield, capital preservation, or outperformance against benchmark indices. All portfolio guidance, wealth projections, and model portfolios represent research-backed opinions formulated at a given point in time and remain subject to market uncertainties.

Regulatory Credentials & Standing

Mutual fund distribution and operations comply with the regulatory framework and codes of conduct prescribed by the Securities and Exchange Board of India (SEBI) and the Association of Mutual Funds in India (AMFI):

• AMFI ARN: 344268 (Valid through September 18, 2028)
• EUIN: E655156
• US IRS PTIN: P03472019
• Principal Office: Kurukshetra, Haryana, India — 136118

Regulatory verifications can be performed directly on the official portals of AMFI and the Internal Revenue Service.

US Tax Preparation & Cross-Border Filing Scope

US federal and state tax preparation services provided to Non-Resident Indians (NRIs), H-1B visa holders, and US residents are performed by Jasvinder Singh as an IRS Authorized Preparer Tax Identification Number holder (PTIN P03472019).

• Tax advice is rendered based on information, records, and disclosures furnished exclusively by the client.
• NovaRock is not liable for penalties, interest charges, or audits arising from client-provided omissions, inaccurate source data, or undocumented foreign assets.
• Clients remain legally accountable for the completeness and accuracy of their tax returns filed with the IRS or state departments of revenue.

Valuation Calculators & Software Disclaimers

Analytical calculators, Graham intrinsic value formulas, and SIP growth modelers developed by NovaRock Technology are provided for mathematical simulation and illustrative purposes only.

• Calculations are based on user-supplied assumptions and standardized mathematical equations for educational illustration.
• Software output does not constitute personalized investment advice, equity research, or an appraisal of securities.
• NovaRock Technology assumes no liability for decisions executed based on calculator outputs.

Corporate & Capital Advisory Scope

Services outlined under NovaRock Financial represent strategic advisory frameworks. NovaRock Financial does not operate as a licensed commercial bank, non-banking financial company (NBFC), or deposit-taking institution. Any corporate financing, lending arrangements, or equity investments involve third-party institutional capital providers and are subject to independent underwriting terms.

Third-Party Links & External References

This website may include hyperlinks to external regulatory databases, mutual fund AMCs, Registrar and Transfer Agents (CAMS, KFintech), scheduling platforms (Calendly), and market news feeds. NovaRock Group neither endorses nor assumes responsibility for the accuracy, legality, or data privacy practices of external third-party domains.

Limitation of Liability

To the maximum extent permitted by applicable Indian and international laws, NovaRock Group, its affiliates, directors, officers, and employees shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages resulting from the use or inability to use this platform, market fluctuations, or reliance upon information published herein.

Contact & Grievance Redressal

For questions or formal clarifications regarding these regulatory disclosures, reach out to our legal department: