1. About the Research Analyst

Mr. Krishna Kumar Pathak, is a SEBI-registered Research Analyst (Registration No. INH300009914). The business operates under the brand name WealthFino from its principal place of business in Durgapur, West Bengal. Mr. Krishna Pathak provides independent research analysis and model portfolios.

2. Educational & Professional Qualifications

• Post Graduate Diploma in Management (PGDM)
• Certified under NISM-Series XV: Research Analyst

3. Nature of Business Activities

WealthFino offers research services such as:

• Independent equity research reports
• Buy/Sell/Hold recommendations on listed Indian equities and derivatives
• Model portfolio strategies and educational resources

WealthFino does not offer portfolio management services, fund-based services, or execution services.

4. Disciplinary History

None. There are no pending or past disciplinary actions, penalties, or litigations against Krishna Kumar Pathak by SEBI, stock exchanges, or any regulatory authority.

5. Terms & Conditions of Research Usage

Krishna Kumar Pathak has exercised due diligence in checking the correctness and authenticity of the information contained herein, so far as it relates to current and historical information, but does not guarantee its accuracy or completeness. The opinions expressed are based on our current research as of the date appearing in the material and may be subject to change from time to time without notice.

Krishna Kumar Pathak does not accept any liability arising from the use of this document or the information contained herein. The recipients of this material should rely on their own judgment and take their own professional advice before acting on this information.

Krishna Kumar Pathak shall not be in any way responsible for any loss or damage that may arise to any person/s from any inadvertent error in the information contained, views and opinions expressed in this publication.

6. Financial Interest / Ownership Disclosure

• The Research Analyst holds no financial interest or beneficial ownership ≥1% in the securities of the companies discussed.
• There is no material conflict of interest on the date of this report.

7. Brokerage & Affiliations

• WealthFino and Mr. Krishna Pathak are not affiliated with any broker, intermediary, or distributor.
• No brokerage, commission, or incentive is received from third parties.

8. Compensation Disclosure

• Krishna Pathak or its associates have not received any compensation from the Company covered by Research Analyst during the past twelve months.

9. Public Offering Involvement

• Krishna Pathak and Brand Name WealthFino or its associates have not managed or co-managed public offering of securities of the Company during the past twelve months.

10. Employment Disclosure

• The Research Analyst has never been employed as officer, director, or executive of companies mentioned in the reports.
• He is not involved in market-making of any securities.

11. Sources and Risk Advisory

• The data and information shared are sourced from publicly available platforms such as stock exchanges (NSE/BSE), SEBI filings, Bloomberg, corporate announcements, annual reports, and reputable financial news portals. These are considered reliable; however, accuracy, completeness, or timeliness is not guaranteed.
• All research, charts, and insights are intended solely for informational and educational purposes, and should not be treated as investment advice or a solicitation to buy/sell securities.
• Market conditions are inherently volatile, and securities may not perform as expected. Prices, returns, and outcomes are subject to change based on economic, political, and sectoral factors.
• Investors are advised to assess their individual risk tolerance, financial goals, and suitability before making any investment decisions. Independent advice from a registered Investment Advisor is recommended where appropriate.
• WealthFino and Krishna Kumar Pathak (SEBI RA - INH300009914) are not liable for any loss arising from the use of this content. Past performance does not guarantee future outcomes.

12. Risk Disclosure on Derivatives (Futures & Options)

As per SEBI's study titled "Analysis of Profit and Loss of Individual Traders Dealing in Equity F&O Segment" (Dated 25 January 2023):

• 9 out of 10 individual traders in equity F&O segment incur net losses
• Average net trading loss is close to ₹50,000
• Loss-makers pay an additional 28% as transaction cost
• Profit-makers incur 15%-50% of their profits in transaction costs

Derivatives trading carries high risk and is not suitable for all investors.

13. Comprehensive Legal Disclaimer

Acceptance of OTP-Based Consent, Terms & Conditions, and KYC/User Agreement Declaration

This Acceptance of Terms & Conditions and KYC Declaration ("Declaration") is executed by me, the undersigned individual (the "User" or "Client"), in favour of Mr. Krishna Kumar Pathak, SEBI Registered Research Analyst (Registration No. INH30000914) and any affiliates, employees, agents, representatives, or entities acting on his behalf (collectively, the "Service Provider").

By clicking "Accept," signing physically or electronically, or providing consent through any approved digital method including but not limited to Digital Signature, Email OTP, Mobile OTP, or other verifiable electronic methods, I hereby make the following declarations, acknowledgements, warranties, and undertakings:

1. INFORMATION ACCURACY & KYC OBLIGATIONS

I, the User/Client, hereby acknowledge and agree to the following:

• Truthful Information: All personal details and identification information provided by me — including but not limited to PAN, Aadhaar, date of birth, mobile number, email address, and residential address — are true, correct, complete, and up to date to the best of my knowledge.
• Responsibility for Errors: I take full responsibility for any error, misstatement, falsification, omission, or outdated information in my submitted KYC data. I understand that I shall be liable for all consequences, whether civil, criminal, regulatory, or financial, arising from such inaccuracies.
• Duty to Update: I undertake to promptly notify the Service Provider in writing of any change in my KYC details, including changes in address, contact number, or identification documents.
• Supporting Documents: I agree to submit all required updated or additional documents as needed to comply with ongoing Know-Your-Customer (KYC), Anti-Money Laundering (AML), and Counter-Terrorist Financing (CTF) regulations, in line with Indian laws and SEBI guidelines.

2. Client Declaration & Consent Acceptance

I, the User/Client, by clicking "Accept," signing, subscribing, or otherwise confirming, hereby:

1. Acknowledge and agree to be legally bound by the following ("Governing Documents"):
   • The Service Provider's Terms & Conditions, Privacy Policy, User Agreement, KYC & Consent Agreement, Disclaimers, Investor Charter, and Grievance Redressal Policy.
   • All applicable provisions of the Securities and Exchange Board of India (SEBI), including the SEBI (Research Analyst) Regulations, 2014, and any future amendments, circulars, or guidelines.
2. Understand and accept that:
   • The services offered consist of general, research-based commentary and educational material only.
   • No personalized investment advice, portfolio management, or guaranteed return is being offered.
   • All views expressed are non-binding, non-advisory, and for informational and educational purposes only.
3. Acknowledge and confirm that:
   • Investing in securities is subject to market risk. Past performance does not guarantee future results.
   • Trading in derivatives, including Futures & Options (F&O), carries a high degree of risk and may not be suitable for all investors.
   • The SEBI registration (INH300009914) and NISM certification do not imply performance assurance.
4. Declare that I have:
   • Reviewed and understood the SEBI-mandated Investor Charter for Research Analysts.
   • Been informed about the grievance redressal process and may lodge complaints via Mobile No- 8553912686, email at wealthfino@gmail.com or on SEBI SCORES (www.scores.gov.in).
5. Agree that continued access to or use of any content, service, platform, or communication from the Service Provider shall constitute ongoing acceptance of all applicable terms and laws.
6. Understand that I (Client / User ) may withdraw this consent at any time, in writing, upon which access to services may be discontinued without refund.

3. Risk Disclosure & Personal Responsibility

4. Limitation of Liability, Waiver & Indemnity

5. Regulatory Compliance

6. Governing Law & Jurisdiction

This Declaration shall be governed by and construed in accordance with the laws of India. Any dispute, claim, suit, or proceeding arising hereunder shall be subject to the exclusive jurisdiction of the competent courts and tribunals at Durgapur, West Bengal, India.

7. Severability

If any provision of this Declaration is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

8. Electronic Acceptance, OTP Consent & Legal Validity

9. USER AGREEMENT

This User Agreement ("Agreement") is a binding contract between Krishna Kumar Pathak, a SEBI-registered Research Analyst (Registration No. INH300009914) operating under the brand WealthFino (hereinafter "Research Analyst," "WealthFino," "we," "us," or "our") and you, the person who accesses or subscribes to any research report, commentary, website, mobile application, or other service offered by us (collectively, the "Services").

Disclaimer:

The research reports, analysis, views, commentary, model portfolios, and other content shared by Krishna Kumar Pathak under the brand WealthFino may include Buy, Sell, or Hold recommendations on securities, which are issued in accordance with the SEBI (Research Analyst) Regulations, 2014. These recommendations are based on publicly available information, independent research, and personal analysis of the Research Analyst.

The views expressed are general in nature and are intended solely for educational and informational purposes. They do not constitute personal investment advice, portfolio management, or an offer to buy or sell any security. Users are strongly advised to exercise independent judgment and consult their own financial advisor before making any investment decisions.

Krishna Kumar Pathak and WealthFino shall not be liable for any direct, indirect, incidental, special, or consequential losses or damages—including but not limited to trading losses, data inaccuracies, missed opportunities, technology failures, or reputational harm—arising from:

• Reliance on any research report, opinion, or recommendation;
• Client-supplied KYC errors, omissions, or outdated information;
• Technical disruptions including third-party API failures, data loss, or connectivity issues;
• Misuse, forwarding, or misinterpretation of any content shared.

The sole responsibility for all investment decisions lies with the user. No legal claim, complaint, or liability shall arise against Krishna Kumar Pathak or WealthFino in connection with the use of any research or content provided.

By using the research, services, website, or mobile application, the user acknowledges, understands, and fully accepts this disclaimer, and further agrees to indemnify and hold harmless Krishna Kumar Pathak and WealthFino from any resulting liability or claim.