⚠️ Disclaimer & Risk Disclosure

1. NOT Registered with SEBI

CrunchyMint and its operators are NOT registered with the Securities and Exchange Board of India (SEBI).

What This Means:

• We are NOT registered as Investment Advisors under SEBI (Investment Advisers) Regulations, 2013
• We are NOT registered as Research Analysts under SEBI (Research Analysts) Regulations, 2014
• We do NOT hold any SEBI license to provide investment advice or research
• We are NOT authorized to provide personalized investment recommendations
• We are NOT regulated by SEBI or any other financial regulatory authority

Regulatory Compliance: SEBI regulations prohibit unregistered entities from providing investment advice. CrunchyMint operates strictly as an educational platform and does NOT provide investment advice in compliance with SEBI regulations.

2. Educational & Informational Purpose Only

ALL content on CrunchyMint is provided strictly for educational and informational purposes.

What We Provide:

• Educational Trade Ideas: Sample trade setups to teach trading concepts
• Technical Analysis: Educational examples of chart patterns and indicators
• Fundamental Analysis: Educational discussion of company financials and metrics
• Risk Management: Educational content about Risk Levels and position sizing
• Market Commentary: Educational perspective on market trends and events
• Trading Strategies: Educational examples of various trading approaches

What We Do NOT Provide:

• ❌ Personalized investment advice or recommendations
• ❌ Buy, sell, or hold recommendations for specific securities
• ❌ Portfolio management services
• ❌ Financial planning advice
• ❌ Tax advice or tax planning
• ❌ Legal advice
• ❌ Guaranteed returns or profit promises

3. NOT Investment Advice

IMPORTANT: Content on CrunchyMint should NOT be construed as investment advice and should NOT be used as the sole basis for any investment decisions.

Clear Statement:

• Trade ideas are educational examples, not recommendations
• Targets and Risk Levels are educational parameters, not advice
• Analysis is for learning purposes, not decision-making
• Entry zones are hypothetical examples, not trading signals
• We do NOT recommend buying, selling, or holding any securities

Legal Clarity: By accessing this platform, you acknowledge that no content should be interpreted as an offer, solicitation, or recommendation to purchase or sell any securities, commodities, or financial instruments.

4. Risk Disclosure & Warning

Stock Market Trading Involves Substantial Risk:

• 🔻 Risk of Loss: You could lose your entire invested capital or more in leveraged products
• 📉 Market Volatility: Stock prices can fluctuate rapidly and unpredictably
• 💸 No Guarantees: Past performance is never indicative of future results
• ⏱️ Time-Sensitive: Markets can change quickly, invalidating any analysis
• 📊 Data Accuracy: Information may be delayed, inaccurate, or incomplete
• 🌐 External Factors: News, events, and macroeconomic factors can cause sudden moves

Specific Trading Risks:

• Leverage Risk: Trading on margin amplifies both gains and losses
• Liquidity Risk: Some stocks may be difficult to buy or sell quickly
• Gap Risk: Stocks can gap up or down, triggering stop losses at worse prices
• Slippage Risk: Orders may execute at prices different from expected
• Overnight Risk: Positions held overnight face news and event risks
• Systemic Risk: Market-wide events can affect all positions simultaneously

5. Do Your Own Research (DYOR)

YOU MUST conduct your own independent research and due diligence before making any investment decisions.

Before Making Any Trading Decision:

1. Research Thoroughly: Verify all information from multiple reliable sources
2. Consult Professionals: Speak with a SEBI-registered financial advisor who understands your situation
3. Understand Risks: Fully comprehend all risks associated with the investment
4. Assess Your Situation: Evaluate your financial condition, goals, and risk tolerance
5. Review Company Filings: Read annual reports, quarterly results, and regulatory filings
6. Analyze Fundamentals: Study the company's business, financials, and competitive position
7. Check Technical Charts: Conduct your own technical analysis
8. Consider Alternatives: Compare multiple investment options
9. Understand Taxes: Know the tax implications of your trades
10. Plan Risk Management: Decide your position size, stop loss, and exit strategy

Never Rely Solely on Any Single Source: Do not make investment decisions based solely on content from CrunchyMint or any other single source. Always cross-verify information and form your own independent judgment.

6. Consult SEBI-Registered Financial Advisors

For personalized investment advice, you MUST consult a SEBI-registered professional.

Who to Consult:

• SEBI-Registered Investment Advisors: For personalized investment advice
• SEBI-Registered Research Analysts: For detailed research and analysis
• Certified Financial Planners: For comprehensive financial planning
• Chartered Accountants: For tax planning and compliance
• Legal Advisors: For legal aspects of investments

Verify Registration:

Before engaging any advisor, verify their SEBI registration at:

• SEBI Investment Adviser Search: SEBI IA Registry
• SEBI Research Analyst Search: SEBI RA Registry

Professional Advice Matters: A qualified professional can assess your individual financial situation, risk tolerance, investment goals, and tax considerations to provide appropriate personalized advice.

7. No Liability & Limitation

CrunchyMint and its operators, affiliates, partners, officers, directors, employees, and agents shall NOT be liable for:

• Any financial losses or damages from trading or investment decisions
• Losses from using or relying on Platform content
• Errors, omissions, or inaccuracies in content or data
• Losses from missed trades or delayed information
• Technical issues, interruptions, or data loss
• Unauthorized access to accounts or data
• Third-party content, links, or services
• Any direct, indirect, consequential, or punitive damages

You Accept Full Responsibility: By using CrunchyMint, you acknowledge and accept that you are solely responsible for all your investment and trading decisions and their outcomes.

8. No Performance Guarantee

We make NO guarantees, representations, or warranties about:

• The accuracy, completeness, or timeliness of information
• The profitability or success of any trade ideas
• Achievement of stated Potential Levels or avoidance of Risk Levels
• Future price movements or market behavior
• Return on investment or profit potential
• Performance of specific stocks or sectors

9. Data Accuracy & Timeliness

Information Limitations:

• Delayed Data: Stock prices may be delayed by 15-20 minutes or more
• Not Real-Time: Data is not real-time and may not reflect current market conditions
• Potential Errors: Information may contain errors, omissions, or inaccuracies
• Third-Party Data: We rely on third-party data sources which may have their own limitations
• Market Changes: Markets change rapidly; information becomes outdated quickly
• No Verification: We do not independently verify all third-party information

Verify Everything: Always verify all information from official sources such as stock exchanges (NSE, BSE), company websites, regulatory filings, and financial statements.

10. Indian Stock Market Specific Risks

Risks Specific to Indian Markets:

• Regulatory Changes: SEBI and government policy changes can affect markets
• Currency Risk: Rupee fluctuations can impact foreign investments and exports
• Political Risk: Political events and policy decisions affect market sentiment
• Economic Cycles: Economic growth, inflation, and interest rates impact stocks
• Corporate Governance: Varying standards of corporate governance across companies
• Market Liquidity: Some stocks have limited trading volumes
• Settlement Risk: T+2 settlement cycle and related risks

11. Your Responsibilities as a User

By Using CrunchyMint, You Agree To:

1. Understand that all content is educational only
2. Not rely solely on Platform content for investment decisions
3. Conduct your own independent research and due diligence
4. Consult SEBI-registered financial advisors before trading
5. Understand and accept all risks of stock market trading
6. Take full responsibility for your investment decisions
7. Assess your financial situation and risk tolerance
8. Only invest money you can afford to lose
9. Comply with all applicable laws and regulations
10. Read and understand our complete Terms of Service

12. Forward-Looking Statements

Content may contain forward-looking statements about future events, market trends, or stock performance. These are based on current information and assumptions and involve significant risks and uncertainties.

Forward-Looking Statements:

• Are NOT guarantees of future results
• May be materially different from actual outcomes
• Are subject to known and unknown risks
• Depend on assumptions that may prove incorrect
• Should not be relied upon as predictions

Do Not Rely on Predictions: Never base investment decisions on predictions, forecasts, or forward-looking statements about future market behavior or stock performance.

13. Third-Party Content & Links

The Platform may contain links to third-party websites, data sources, or content. We are NOT responsible for:

• The accuracy or reliability of third-party content
• Privacy practices of external websites
• Content, products, or services offered by third parties
• Actions you take based on third-party information

Review Third-Party Policies: When visiting external sites, review their terms, privacy policies, and disclaimers.

14. Updates to This Disclaimer

We may update this Disclaimer at any time. Material changes will be posted on this page with an updated "Last Updated" date.

Your Responsibility: It is your responsibility to review this Disclaimer periodically. Continued use of the Platform after changes constitutes acceptance of the updated Disclaimer.

15. Questions or Concerns?

If you have questions about this Disclaimer, please contact us through our Contact Page.

For Investment Advice: Contact a SEBI-registered financial advisor, not CrunchyMint.