Calculators

Our Policies

Explore our comprehensive set of policies that ensure transparency, compliance, and protection for all our clients. Stay informed about our terms, regulatory guidelines, grievance redressal procedures, and investor rights.

LEGAL & RISK DISCLOSURE

Issued by Krishna Kumar Pathak

SEBI Registered Research Analyst - INH300009914

BSE Enlistment- 5590

Founder & CEO - www.krishnapathak.com

1. General Disclaimer

Krishna Kumar Pathak, a SEBI Registered Research Analyst (Registration No. INH300009914), and the brand WealthFino, operate this platform as a research and information service only.

All content provided under WealthFino — including research reports, recommendation, charts, market opinions, or analysis — is intended solely for general informational and educational purposes.

As permitted under the SEBI (Research Analysts) Regulations, 2014, Krishna Kumar Pathak may provide Buy, Sell, or Hold recommendations based on publicly available data and independent analysis.

However, such views are not personalised investment advice, portfolio management, or an invitation to trade or invest. Users must evaluate the suitability of the content and are advised to consult a qualified investment advisor before making any financial decision.

The platform is not registered to provide portfolio management, advisory, broking, or fund management services.

2. Full Non-Liability Declaration

By accessing this platform or its content, you agree, accept, and acknowledge that Krishna Pathak and WealthFino are not responsible or liable for anything whatsoever. This includes, but is not limited to:

A. Technical & System Failures — Disclaimer of Liability

Krishna Kumar Pathak and the brand WealthFino expressly disclaim all responsibility — financial, legal, or otherwise—for any loss, cost, or inconvenience arising from any of the following events or conditions below:

  1. Platform
    • Mobile-app or web-portal crashes, freezes, or forced shutdowns
    • Complete or partial website/server downtime, scheduled or unscheduled maintenance
    • Cloud-hosting outages, power failures, or data-centre disruptions
  2. Network & Data Transmission
    • Internet disconnection, latency, bandwidth throttling, or packet loss
    • Delayed or corrupted data feeds, chart refresh lags, or API time-outs
  3. Authentication & Access
    • One-Time Password (OTP) or two-factor authentication failures
    • Login errors, account-lockouts, or credential-mismatch issues
    • System-level bugs, glitches, or device / browser incompatibility
  4. Notification & Messaging
    • Non-delivery, duplication, or delay of SMS, e-mail, Telegram, WhatsApp, or push notifications
    • Spam-filter blocks, routing errors, or telecom gateway outages
  5. Security & Force-Majeure Events
    • Distributed-Denial-of-Service (DDoS) attacks, malware, ransomware, or any third-party hacking incident
    • Natural calamities, strikes, government orders, or other force-majeure circumstances affecting system performance

All access to, or reliance on, the platform is strictly at the user's own risk. Krishna Kumar Pathak and WealthFino shall not be liable for any direct, indirect, incidental, consequential, punitive, or exemplary damages resulting from the technical or system failures listed above.

B. Content & Data Errors

  • Typographical mistakes
  • Charting delays or wrong prices
  • Misinterpretation of research or analysis
  • API or third-party data inaccuracies
  • Outdated or wrongly displayed information
  • Graphical or formatting inconsistencies

C. Market Risks & Trading Loss Disclaimer

  1. No Profit Guarantee: Krishna Kumar Pathak and WealthFino make no assurance of returns, profits, or capital protection based on any analysis, report, or opinion provided.
  2. Market Volatility Risk: Investments in equity, F&O, or IPOs are subject to market fluctuations, price gaps, trading halts, and liquidity risks. Sudden losses may occur.
  3. Capital Loss Warning: Users may suffer partial or total loss of invested capital. All decisions are made solely at the user's own risk.
  4. No Liability for Decisions: Emotional or speculative trading based on platform content is entirely the user's responsibility. We disclaim any financial liability.
  5. SEBI Data Disclosure: As per SEBI's Jan 2023 study, 9 out of 10 retail traders in equity F&O incur losses, with average net loss of ₹50,000 plus 28% in transaction costs.

D. Third-Party Services

  • Links to stock screeners, APIs, broker platforms, financial tools
  • Content fetched via NSE/BSE, Screener, or data providers
  • Any plugin, redirect, or affiliate service

We neither own nor control such third-party platforms, and we do not guarantee their safety, reliability, or uptime.

3. We Make NO Guarantee or Promise

  • No guarantee of return on investment
  • No assurance of correct or updated market data
  • No assurance of service continuity
  • No guarantee of notifications, reminders, emails, or alerts
  • No assurance of accuracy in AI tools or API-based data
  • No assurance of platform access at all times

4. Total Legal Protection for Errors & Failures

You agree not to hold Krishna Pathak or WealthFino responsible for:

  • Network failure
  • OTP/SMS/Email failure
  • Website/App crash
  • Any loss — direct, indirect, or consequential
  • Use or misuse of any report or tool
  • Decision-making based on our platform
  • Third-party fraud, scam, or data breach
  • Missed opportunity or profit loss

Whatever happens — loss, mistake, delay, error, server problem, app problem, anything — we are NOT responsible.

5. Governing Law & Jurisdiction

  • This disclaimer is governed by the laws of India
  • Jurisdiction: Courts of Durgapur, West Bengal
  • Disputes, if any, shall be resolved under Indian Arbitration laws
  • By continuing, you agree to this legal disclaimer in full

Fraud Protection, Payment Disclaimer & Liability Waiver

Issued by Krishna Kumar Pathak – SEBI Registered Research Analyst (INH300009914)
Official Email: info@krishnapathak.com | wealthfino@gmail.com
Authorised Platforms: Mobile App – "WealthFino" | Website – www.krishnapathak.com

1. Official Payment Channels Only

All payments to Krishna Kumar Pathak or the brand WealthFino must be made only through the following authorised methods:

2. Right to Verify Before Payment

Before making any payment, the User has the full right and option to:

  • Call and confirm the payment details
  • Email to confirm via our official IDs
  • Check the mobile app or website for authentic instructions

If the User chooses not to verify and proceeds on their own, the responsibility lies solely with the User.

3. No Liability for Fraudulent or Unauthorized Payments

a. Unauthorized Use of Name or Brand:

Krishna Kumar Pathak (SEBI Registered Research Analyst) and/or the brand WealthFino shall not, under any circumstances, be held liable or responsible for any monetary loss, damage, or grievance suffered by any individual or entity due to the fraudulent use or impersonation of Krishna Kumar Pathak's name, image, designation, employee identity, or the WealthFino brand — through WhatsApp, Telegram, mobile calls, emails, social media platforms, websites, or any other mode of communication not officially authorized by Krishna Kumar Pathak or WealthFino.

b. Unauthorized Transactions:

If any person voluntarily transfers funds, makes UPI payments, bank transfers, deposits, or provides financial credentials or OTPs to any third party (including individuals posing as representatives of Krishna Kumar Pathak or WealthFino) based on false promises, greed, urgency, high-return claims, or misleading investment schemes, then such payments shall be considered null, void, and made entirely at the individual's own risk and discretion.

c. No Legal Right to Claim or Complaint:

No user or individual shall have the right to file any police FIR, cybercrime complaint, legal notice, consumer forum case, or any judicial or quasi-judicial action against Krishna Kumar Pathak and/or WealthFino for such unauthorized payments or interactions. Any such claims shall not be entertained, acknowledged, or responded to.

d. Official Communication and Payment Channels:

All legitimate communication from Krishna Kumar Pathak or WealthFino shall be through the official website ( www.krishnapathak.com / www.wealthfino.com ), verified emails, and listed helpline numbers only. Users are strongly advised to verify authenticity before making any payments or sharing confidential information.

e. Disclaimer of Liability:

Krishna Kumar Pathak and WealthFino expressly disclaim all liability, in contract, tort, or otherwise, for any direct, indirect, incidental, special, or consequential loss, damage, or fraud arising out of or in connection with such unauthorized interactions, communications, or payments made by users outside official channels.

f. User Responsibility:

By interacting with or using any services related to Krishna Kumar Pathak or WealthFino, users accept full responsibility to verify the legitimacy of communication, protect their personal and financial data, and acknowledge that no liability shall arise against Krishna Kumar Pathak or WealthFino for any third-party frauds or impersonation acts.

f. Exclusion of Liability:

In accordance with applicable Indian laws including but not limited to the Information Technology Act, 2000, Indian Penal Code, 1860, and relevant Consumer Protection statutes, Krishna Kumar Pathak and/or WealthFino shall not be held liable, accountable, or responsible in any manner—civil, criminal, or otherwise—for any loss, damage, or injury (monetary or otherwise) suffered by any individual, investor, user, or customer due to:

  • Voluntary payments made to unauthorized persons or unverified accounts;
  • Falling prey to fraud, misrepresentation, false promises of profit, or time-sensitive urgency tactics;
  • Misuse of name, designation, logo, brand, or likeness of Krishna Kumar Pathak or WealthFino on digital or physical platforms.

4. User Assumes Full Liability

The User agrees that:

  • Any loss, fraud, scam, miscommunication, or payment to unauthorised parties is the User's sole responsibility
  • Krishna Kumar Pathak and WealthFino are fully protected from any legal, civil, criminal, or financial liability related to such transactions

5. Legal Standing & Protection

This clause is enforceable under:

  • Regulation 18 of SEBI (Research Analysts) Regulations, 2014
  • Sections 43A & 79 of the Information Technology Act, 2000
  • Section 73 of the Indian Contract Act, 1872 (liability limitation)
  • General cyber fraud protection laws of India

Final Declaration

"We do not take responsibility for any outcome—regardless of the cause, condition, or consequence."

Krishna Kumar Pathak (SEBI Registered Research Analyst – INH300009914) and the brand WealthFino shall not be held liable for any loss, error, financial damage, technical failure, or decisions made based on any content shared through our platforms.

All investments in the securities market are subject to market risks. Users are advised to exercise their own judgment and discretion before making any financial decisions.

Important Payment Notice:

Payments should only be made through the official WealthFino mobile application or website. Do not transfer funds to any unknown individual, unauthorized link, or third-party claiming to represent WealthFino.

If you become a victim of any scam, fraud, impersonation, or false promise made outside our official channels, you alone will be held responsible. Krishna Kumar Pathak and WealthFino are not liable in any manner whatsoever.

"हम किसी भी चीज़ की जिम्मेदारी नहीं लेते — चाहे कोई भी कारण हो, कोई भी परिस्थिति हो, हमें कोई जिम्मेदारी नहीं है।"