Terms & Conditions

1. Purpose of the Website

The purpose of this website is to:

• Educate investors about mutual funds and related concepts
• Explain investment processes and terminology in simple language
• Provide general information about SIPs, lump-sum investments and financial goals
• Provide access to calculators and illustrative tools
• Allow visitors to request consultations or portfolio discussions
• Provide information about mutual fund distribution and investor support

The website is not intended to provide guaranteed investment outcomes.

2. Mutual Fund Distribution

Suresh Saini is an AMFI Registered Mutual Fund Distributor with ARN-347947. Mutual fund distribution is carried out in accordance with applicable regulations, guidelines and codes of conduct.

The availability of a mutual fund scheme or category on this website does not by itself constitute a recommendation that the scheme is suitable for every investor.

3. No Guarantee of Returns

Mutual fund investments are market-linked.

Past performance does not guarantee future performance. No statement, illustration, calculator or communication on this website should be interpreted as a promise or guarantee of returns.

4. Investor Responsibility

Investors are responsible for:

• Understanding the risks associated with their investments
• Reading the relevant scheme documents before investing
• Providing accurate personal and financial information
• Assessing whether an investment is appropriate for their financial circumstances
• Making their own investment decisions after considering the relevant information

Professional guidance does not remove investment risk.

5. Website Information

We make reasonable efforts to keep the information on this website useful and accurate. However, information may become outdated because of changes in markets, regulations, taxation, scheme characteristics or other circumstances.

Accordingly, information on this website should not be treated as a substitute for official scheme documents, regulatory communications or professional tax/legal advice.

6. Calculators and Illustrations

Financial calculators and examples available on this website are for educational and illustrative purposes only.

Results may depend on assumptions such as investment amount, tenure, inflation and assumed rate of return. Actual investment outcomes may differ materially from illustrations.

7. Third-Party Services and Links

The website may contain links to third-party websites, AMCs, RTAs, platforms, financial resources or other external websites.

BlueRay Wealth is not responsible for the content, availability, security, accuracy or privacy practices of third-party websites. Users should independently review the terms and policies of such websites.

8. Intellectual Property

Unless otherwise stated, the content, branding, design, graphics, text, educational material and other original material published on this website belong to BlueRay Wealth or its respective licensors.

You may not reproduce, modify, distribute or commercially exploit website content without prior written permission, except where permitted by applicable law.

9. Prohibited Use

You agree not to:

• Use the website for unlawful purposes
• Attempt to gain unauthorised access to website systems
• Interfere with website functionality or security
• Copy or reproduce website content for commercial purposes without permission
• Submit false or misleading information through enquiry forms
• Use the website to impersonate another person or organisation

10. Limitation of Liability

To the extent permitted by applicable law, BlueRay Wealth and Suresh Saini shall not be responsible for losses arising solely from reliance on general information, illustrations, calculators or educational material published on this website.

Investment decisions remain subject to market conditions and the investor's own circumstances.

11. Changes to These Terms

These Terms & Conditions may be updated periodically. Continued use of the website after an update indicates acceptance of the revised terms.

12. Contact