Conditions of Use
By using this site, you indicate your agreement to the following conditions of use without any limitation or qualification. Please read these conditions carefully before using this site. Arvind Rao or Arvind Rao & Associates (“ARA”) may at any time revise these terms and conditions by updating these materials. You are bound by any such revisions and should therefore regularly visit this page to review the then current terms and conditions to which you are bound.
Security and Privacy
ARA shall exercise reasonable precautions to maintain the confidentiality of all information provided by you in connection with accessing this site. Because such information can be accessed through the Internet, no assurance can be given to you that this information will remain secure. ARA may, at times, disclose such information to its employees, representatives, officers, agents or affiliates, as well as any government entity, in the conduct of its business, in order to comply with applicable rules, orders, or other legal processes, or in order to provide information to any government agency or official requesting such information, or for any other legitimate business purpose. This site does not collect personally identifying financial information about individuals except when specifically and knowingly provided by such individuals.
Jurisdictional Issues
This website is controlled and operated by ARA from its offices located at Mumbai, India. AR makes no representation that materials on www.armoneyhabits.com are appropriate or available for use in any other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.
Not an Offer to Sell or a Solicitation to Buy
The information contained on this website is not an offer to sell or a solicitation to invest in any
security or any insurance product or to engage in any advisory relationship.
Disclaimers and Disclosures
The materials and content on this website, www.armoneyhabits.com, are provided on an as is where is basis and without warranties of any kind, either expressed or implied, including, but not limited to, suitability for a particular purpose. Certain materials and content of this website may be provided and/or prepared by third-parties. ARA does not ensure that the materials and content of this website is accurate as of today’s standards. Material and content may be correct when published and later become outdated or incorrect. ARA does not guarantee that the material and content will be free of errors or defects. ARA does not warrant that the functions contained in the materials or content will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. ARA does not warrant or make any representations regarding the use or the results of the use of the materials or contents on this website in terms of their correctness, accuracy, reliability, or otherwise.
The material and content on this website is provided for informational purposes only and it is not intended and should not be construed as legal, tax, investment or other professional advice. It is not a substitute for obtaining legal, tax, investment or other professional advice from a competent, independent adviser in your area.
Investment advisory and financial planning services are offered through engagement with Mr. Arvind Rao, who is registered with SEBI under the Investment Adviser Regulations.
Any financial calculators provided by this website are for informational purposes only and are not meant to be used for the basis of decision making. These financial calculators are not intended to be a replacement for any individualized and specific advice.
There is a risk of loss from an investment in securities, including the risk of loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular investor’s financial situation or risk tolerance. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses.
Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended by Arvind Rao) made reference to directly or indirectly, will be profitable or equal the corresponding indicated performance level(s).
Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.
Each client and prospective client agrees, as a condition precedent to his/her/its access to ARA’s website, to release and hold harmless Arvind Rao, and their corresponding officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Arvind Rao.
Links to Other Websites
This website may contain links to other websites for your convenience. These other websites are not under the control of ARA and has no responsibility for the content contained on any linked website and disclaims all liability for anything contained on a linked website. If you link to any sites from this website, you do so entirely at your own risk. You should review the terms of use and privacy policy of any site to which you link from this website.
Limitation of Liability
While ARA uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions may occur. ARA makes no warranties or representations as to the accuracy of the materials on this website. Under no circumstances, including, but not limited to, negligence by act or omission, shall ARA or any party involved in creating, producing, or delivering this website be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if ARA or an ARA authorized representative has been advised of the possibility of such damages.
ARA assumes no responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.
Restrictions on Use of Materials
This site is owned and operated by ARA. Permission is granted to display and navigate around this website with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this website or any portion hereof is strictly prohibited. Except as otherwise permitted by ARA, no materials from www.armoneyhabits.com or any other website owned, operated, licensed or controlled by ARA may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for non-commercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video, without ARA’s written permission. ARA neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with ARA.
Trademarks/Service Marks and Copyrights
Images displayed on this website are either the property of, or used with permission by ARA. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. All trademarks, service marks, trade names, logos, and icons used by ARA are proprietary to ARA. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this website without the written permission of ARA or such third party that may own the trademarks or service marks displayed on this website. Your use of the trademarks or service marks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.
Any communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comments, or suggestions, will not be treated as confidential nor as proprietary and will become the property of ARA and/or its affiliates. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, ARA is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.