Financial Services Disclaimer & Risk Disclosure

This Financial Services Disclaimer & Risk Disclosure (“Disclaimer”) explains the nature and limitations of the information, services and facilities made available through the NRI Investment Expo website, livestreams, events, digital platforms, appointment-booking facilities and related services (“Platform”).

NRI Investment Expo provides an independent technology-enabled event and information platform through which users may discover educational content, exhibitors, products, services and opportunities and may communicate or connect with participating exhibitors and third-party service providers.

This Disclaimer applies to information relating to financial products and services, including but not limited to:

• mutual funds
• stocks and securities
• bonds and fixed-income products
• Portfolio Management Services (“PMS”)
• Alternative Investment Funds (“AIFs”)
• insurance products
• fixed deposits and other deposit products
• NRE/NRO and other banking products
• home loans and mortgages
• personal loans
• business loans and other credit products
• GIFT City / International Financial Services Centre (“IFSC”) products and services
• real estate and property-related opportunities
• taxation and estate-planning information
• immigration and relocation services; and

other products or services that may be displayed or discussed on the Platform.

This Disclaimer should be read together with the Platform’s Terms & Conditions, Privacy Policy, Cookie Policy, Livestream Terms, Data Retention Policy and other applicable disclosures.

NRI Investment Expo is an independent event organiser, technology platform and aggregator.

We facilitate access to information and connections between users and participating exhibitors, sponsors, presenters, developers, financial institutions, insurers, service providers and other third parties.

NRI Investment Expo does not itself provide investment advice, financial planning, portfolio management, securities research, tax advice, legal advice, insurance advice, lending decisions or immigration advice.

Information presented through the Platform is generally provided for educational, informational and awareness purposes.

Nothing on the Platform should be treated as a personalised recommendation or as a substitute for professional advice.

NRI Investment Expo acts as an aggregator and facilitator.

Our role may include:

• organising physical and virtual events
• hosting livestreams and educational sessions
• publishing information supplied by participating exhibitors
• facilitating discovery of products and services
• enabling users to submit enquiries
• facilitating appointment requests
• connecting users with participating exhibitors
• providing event-related information; and

facilitating communications between users and third parties.

NRI Investment Expo does not itself manufacture, issue, underwrite, manage, guarantee, sell, purchase, execute or otherwise provide the financial products displayed by third parties, except to the extent expressly stated on the Platform.

The Platform does not itself accept investment applications, receive investment monies, process purchases, hold customer funds or collect KYC documents for financial products through the Platform.

Nothing appearing on the Platform constitutes:

• investment advice
• financial planning
• wealth-management advice
• portfolio management
• securities research
• investment research
• a recommendation to buy, sell or hold any security
• a recommendation to invest in any fund
• a recommendation to subscribe to any PMS or AIF
• a recommendation to purchase insurance
• a recommendation to open a bank account
• a recommendation to obtain a loan
• a recommendation to purchase real estate
• a recommendation to use any immigration service; or

personalised financial advice.

Information is not provided after assessing a user's:

• financial position
• investment objectives
• risk tolerance
• income
• net worth
• liquidity requirements
• tax position
• residency status
• investment horizon; or

suitability for a particular product.

No suitability assessment is undertaken by NRI Investment Expo.

Users must independently determine whether a product or service is appropriate for them and should obtain advice from appropriately qualified and authorised professionals where necessary.

The presence of an exhibitor, sponsor, speaker, developer, bank, insurer, financial institution, adviser, service provider or product on the Platform does not constitute an endorsement, recommendation, certification, approval or guarantee by NRI Investment Expo.

Likewise, participation in an NRI Investment Expo event does not mean that NRI Investment Expo has certified or guaranteed:

• the financial strength of an entity
• the quality of a product
• the performance of an investment
• the accuracy of a projection
• the legality of a third-party representation
• the suitability of a product
• the creditworthiness of an issuer
• the validity of a property title
• the approval status of a real-estate project
• the success of an insurance claim
• the approval of a loan; or

the success of an immigration application.

Users should independently verify the credentials, registrations, licences, approvals and authorisations of the relevant third party.

Much of the information displayed or presented through the Platform may be supplied by participating exhibitors, sponsors, speakers, developers, financial institutions, insurers, banks, investment managers or other third parties.

Such information may include:

• product descriptions
• historical performance
• projected returns
• interest rates
• pricing
• property information
• investment structures
• tax illustrations
• financial projections
• testimonials
• case studies
• market opinions; and

forecasts.

NRI Investment Expo does not represent or warrant that every statement made by a third party is complete, accurate, current or suitable for any particular user.

The relevant third party remains responsible for its own products, representations, disclosures, regulatory obligations and services.

Each participating exhibitor or service provider is responsible for maintaining all licences, registrations, approvals, authorisations and regulatory permissions applicable to its business and products.

Where a product or service is subject to regulation by an Indian or foreign regulatory authority, users should independently verify the relevant entity's current regulatory status.

Participation on the Platform must not be interpreted as NRI Investment Expo certifying that an exhibitor is regulated, licensed or authorised for every activity it undertakes.

Where applicable, users should verify regulatory registrations directly with the relevant regulator.

Information concerning:

• shares
• stocks
• listed securities
• indices
• ETFs
• sectors
• companies
• market trends; and

other securities

is provided for educational and informational purposes.

Prices of securities may fluctuate significantly.

Investors may lose part or all of their invested capital.

Nothing presented through the Platform should be interpreted as a recommendation to buy, sell or hold any security.

Past performance is not indicative of future performance.

Mutual fund information displayed or discussed through the Platform is provided for educational and informational purposes.

Mutual fund investments are subject to market risks.

The value of investments may rise or fall depending on market conditions, the underlying securities and other factors.

Past performance does not guarantee future performance.

Users should carefully read the applicable scheme-related documents and other disclosures before making an investment decision.

Any investment decision should be based on the applicable official documentation and the user's individual circumstances.

Portfolio Management Services and Alternative Investment Funds may involve substantial investment risk and may not be suitable for all investors.

Depending upon the particular product, risks may include:

• market risk
• concentration risk
• liquidity risk
• credit risk
• leverage risk
• valuation risk
• strategy risk
• operational risk
• manager risk; and

loss of capital.

Users should carefully review the applicable offer documents, agreements, risk disclosures, eligibility requirements, fees, lock-in provisions and other terms before making any commitment.

NRI Investment Expo does not determine whether a PMS or AIF is suitable for any particular user.

Bonds, debentures and other fixed-income instruments may involve:

• interest-rate risk
• credit/default risk
• liquidity risk
• reinvestment risk
• issuer risk
• market-value risk; and

regulatory or structural risks.

A bond or debt instrument should not be assumed to be risk-free merely because it provides a fixed or stated rate of return.

Users should review the relevant issuer documentation and risk disclosures before investing.

Information concerning:

• fixed deposits
• recurring deposits
• NRE accounts
• NRO accounts
• other deposit accounts
• banking services; and

related products

is provided for general informational purposes.

Interest rates, eligibility criteria, taxation, repatriation conditions, account requirements and other terms may change.

The applicable bank or financial institution remains responsible for its own products and account-opening decisions.

Users should verify current terms directly with the relevant institution.

NRI-related financial products may be subject to specific requirements concerning:

• residential status
• FEMA
• RBI requirements
• taxation
• repatriation
• source of funds
• documentation
• KYC
• account eligibility; and

country-specific restrictions.

The Platform does not determine a user's eligibility or provide individual FEMA, RBI or tax advice.

NRIs and other users should obtain appropriate professional advice before taking action.

The Platform may display or discuss products and services available through India's International Financial Services Centre, including GIFT City.

Such products may be subject to specific eligibility criteria, regulatory requirements, tax considerations, foreign-exchange considerations and product-specific risks.

Availability, eligibility and regulatory treatment may vary according to the user's circumstances and applicable law.

Users should obtain independent advice and verify the current terms directly with the relevant institution or service provider.

Insurance products displayed or discussed through the Platform are third-party products.

NRI Investment Expo:

• does not underwrite insurance
• does not issue insurance policies
• does not determine underwriting eligibility
• does not guarantee acceptance of a proposal
• does not guarantee policy issuance
• does not guarantee claim settlement; and

does not determine the suitability of an insurance product.

Users should carefully review:

• policy terms
• exclusions
• waiting periods
• premium obligations
• coverage limits
• surrender terms
• claim conditions
• renewal conditions; and

applicable insurer disclosures.

The relevant insurer or authorised intermediary is responsible for the insurance product and its regulatory obligations.

Information concerning:

• home loans
• personal loans
• business loans
• mortgage products
• loans against property; and

other credit facilities

does not constitute a lending commitment or guarantee.

NRI Investment Expo does not make credit decisions.

Loan approval, interest rates, loan amounts, tenure, security requirements and other terms are determined by the relevant lender based on its policies and applicable law.

Submitting an enquiry or booking an appointment does not constitute loan approval or a financing commitment.

Property information may be supplied by participating developers, brokers, marketing agencies or authorised representatives.

NRI Investment Expo does not guarantee:

• title
• ownership
• approvals
• regulatory compliance
• construction quality
• developer performance
• possession dates
• rental returns
• capital appreciation
• project completion
• litigation status; or

financial viability of a project.

Users should independently conduct appropriate:

• legal
• financial
• title
• regulatory
• technical; and

construction

due diligence before entering into any property transaction.

Tax, estate planning, inheritance, wills, succession and related discussions are provided for general educational purposes.

Tax treatment may vary based on:

• residency
• citizenship
• domicile
• source of income
• nature of the transaction
• applicable treaties
• country-specific law; and

changes in legislation.

Nothing on the Platform constitutes personalised tax or legal advice.

Users should consult qualified professionals before relying upon any tax, legal or estate-planning information.

Information concerning:

• visas
• immigration
• residency
• citizenship
• permanent residence
• relocation
• work permits
• investor migration; and

related services

is provided for general informational purposes.

NRI Investment Expo does not guarantee:

• visa approval
• immigration approval
• residency
• citizenship
• permanent residence
• processing time; or

any other immigration outcome.

Immigration laws and policies may change without notice.

Users should obtain advice from appropriately qualified and authorised immigration or legal professionals.

Foreign-exchange rates fluctuate.

Illustrative currency conversions, examples or calculations presented during an event may become outdated.

Exchange-rate movements may materially affect the value of investments, income, remittances, property purchases and other transactions.

Users should verify the applicable exchange rate and regulatory requirements before undertaking a transaction.

Financial markets may be affected by factors including:

• interest rates
• inflation
• economic conditions
• government policy
• taxation
• regulation
• currency movements
• geopolitical events
• market sentiment
• natural disasters; and

other unforeseen events.

No representation is made that any particular investment, strategy, sector or product will perform in accordance with any forecast or expectation.

Historical performance, projected returns, estimated returns, case studies, testimonials and illustrations are provided for informational purposes only.

Past performance does not guarantee future results.

Projected or illustrative returns are not guaranteed returns unless expressly stated otherwise by the relevant product provider and permitted under applicable law.

Users should not make investment decisions solely on the basis of historical performance or projected returns.

Presentations may contain:

• forecasts
• projections
• estimates
• assumptions
• opinions
• targets; or

forward-looking statements.

Such information is inherently uncertain and may not materialise.

Actual results may differ materially from any forecast or projection.

No representation or guarantee is made regarding future performance.

Use of the Platform does not create an:

• adviser-client relationship
• broker-client relationship
• investment manager-client relationship
• fiduciary relationship
• trustee relationship
• agency relationship; or

professional advisory relationship

between NRI Investment Expo and any user.

A request to book an appointment with an exhibitor or service provider does not constitute:

• an investment recommendation
• product approval
• product suitability assessment
• financial advice
• loan approval
• insurance approval
• property approval; or

any other commitment.

NRI Investment Expo merely facilitates the connection.

The subsequent interaction is between the user and the relevant third party.

Livestreams, webinars, presentations, interviews and other content may contain opinions expressed by individual speakers, exhibitors or presenters.

The views expressed by a speaker are not necessarily the views of NRI Investment Expo.

Livestream content may be:

• delayed
• interrupted
• modified
• withdrawn
• cancelled
• technically unavailable; or

subsequently corrected.

NRI Investment Expo does not guarantee uninterrupted availability or continued access to any particular session or recording.

Users are solely responsible for conducting appropriate due diligence before:

• investing
• purchasing securities
• purchasing mutual funds
• subscribing to PMS or AIF products
• purchasing insurance
• opening bank accounts
• placing deposits
• obtaining loans
• purchasing real estate
• engaging tax professionals
• engaging legal professionals
• engaging immigration professionals; or

entering into any other transaction with a third party.

Users should carefully review all applicable official documents before proceeding.

NRI Investment Expo does not guarantee any particular outcome arising from a user's interaction with an exhibitor or third-party service provider.

This includes, without limitation:

• investment returns
• capital appreciation
• income
• loan approval
• insurance acceptance
• insurance claim settlement
• property possession
• property appreciation
• immigration approval
• visa approval
• citizenship
• tax savings; or

any other financial, legal, commercial or personal outcome.

Product terms, prices, interest rates, eligibility criteria, regulations, taxation, market conditions, exchange rates and other information may change without notice.

Information displayed on the Platform should therefore not be assumed to remain current.

Users should verify material information directly with the relevant product provider before taking action.

To the maximum extent permitted by applicable law, NRI Investment Expo shall not be responsible for losses or consequences arising from a user's reliance upon third-party information or decisions made following interaction with an exhibitor or service provider, including:

• investment losses
• financial losses
• market losses
• property losses
• tax consequences
• lending decisions
• insurance decisions or claims
• immigration outcomes
• currency losses
• business losses
• third-party representations
• delays
• service failures
• technical interruptions; or

livestream interruptions.

Nothing in this Disclaimer is intended to exclude or limit any liability that cannot lawfully be excluded or limited under applicable law.

Nothing in this Disclaimer is intended to:

• waive any statutory right available to a consumer
• exclude any liability that cannot legally be excluded
• override mandatory regulatory requirements; or

restrict any remedy that cannot lawfully be restricted.

Where applicable law provides a higher standard of protection, that law shall prevail.

Products and services displayed through the Platform may be subject to separate terms, contracts, offer documents, policy documents, scheme documents, loan agreements, insurance contracts, property agreements, immigration engagement letters or other documentation issued by the relevant third party.

Users should read and understand those documents before proceeding.

Participating exhibitors, sponsors and other third parties may have commercial arrangements with NRI Investment Expo relating to participation, sponsorship, advertising, event presence or lead-generation services.

Such participation or commercial arrangements do not, by themselves, constitute an endorsement, recommendation or guarantee by NRI Investment Expo of any product or service.

Users should make independent decisions based on the relevant product documentation and their own circumstances.

Where a user voluntarily submits an enquiry, requests an appointment, joins a session or otherwise indicates an interest in a particular exhibitor or service, the information provided by the user may be shared with the relevant exhibitor or other specifically identified participating entity in accordance with the Platform's Privacy Policy and applicable consent mechanisms.

The recipient may subsequently contact the user regarding the relevant enquiry or service.

NRI Investment Expo does not guarantee the conduct, representations or services of such third parties.

NRI Investment Expo is an independent event organiser and technology-enabled aggregator.

Unless expressly stated otherwise, NRI Investment Expo should not be understood to be acting as a SEBI-registered investment adviser, research analyst, portfolio manager, stock broker, mutual fund distributor, insurance intermediary, lender, bank, fund manager, tax adviser, legal adviser or immigration consultant merely because information concerning such products or services is displayed or discussed on the Platform.

Where a particular service is provided by a regulated third party, the relevant third party remains responsible for the applicable regulatory requirements.

NRI and cross-border transactions can involve additional regulatory, taxation, foreign-exchange and reporting considerations.

Users residing outside India should consider the laws applicable in:

India; and

their country of residence, citizenship or domicile, where relevant.

NRI Investment Expo does not determine whether a particular product or transaction is legally or financially suitable for a particular NRI.

Users should obtain independent professional advice where appropriate.

Business Name: NRI Nivesh Expo

Trade Name: NRI Investment Expo

Registered Office:

Corporate Membership 118-3,

10th Floor, C Wing,

Nesco Tower 4,

Western Express Highway,

Nesco IT Park, Goregaon East,

Mumbai, Mumbai Suburb,

Maharashtra – 400063, India

Email: grievance@nriinvestmentexpo.com

This Disclaimer should be read together with:

Privacy Policy

Terms & Conditions

Cookie Policy

Cookie Preferences

Livestream Terms

Community Guidelines

Data Retention Policy

Delete My Data Policy

applicable product-specific disclosures

applicable third-party terms and documentation

In the event of a conflict, mandatory applicable law and applicable product-specific statutory disclosures shall prevail to the extent required.