Website: rockyshrivastava.com Effective Date: July 11, 2026 Last Updated: July 11, 2026
Please read this Financial Disclaimer carefully before using rockyshrivastava.com (the “Website”), including any of its articles, blogs, tools, or calculators.
1. No Investment Advice
All content published on this Website — including but not limited to articles, blog posts, videos, and calculators (SIP Calculator, Lumpsum Calculator, SWP Calculator, Goal Calculator, Loan Calculator, Loan Prepayment Calculator, Expense Calculator, EMI to Yourself Calculator, Risk Profiler, and Financial Needs Analysis tool) — is provided purely for general educational and informational purposes.
Nothing on this Website is, or should be construed as:
- A recommendation, offer, or solicitation to buy, sell, or hold any security, mutual fund, insurance product, or other financial instrument
- Personalized investment, financial planning, tax, or legal advice
- Research analysis as defined under the SEBI (Research Analysts) Regulations, 2014
- Investment advisory services as defined under the SEBI (Investment Advisers) Regulations, 2013
2. Regulatory Status
Rocky is not registered with SEBI as an Investment Adviser (RIA) or Research Analyst (RA), and does not hold an AMFI Registration Number (ARN) as a mutual fund distributor. Rocky holds no license or registration with SEBI, AMFI, IRDAI, or any other financial regulator in any capacity.
This Website does not sell, distribute, or facilitate transactions in any financial product, and does not earn commission, brokerage, or referral income linked to any financial product.
3. Illustrative Financial Planning Tools
Certain tools on this Website ask for personal inputs (such as age, gender, income, or financial goals) solely to generate a general, illustrative educational output (e.g., a broad risk category or an indicative savings target). These outputs:
- Are based on simplified assumptions and general financial planning principles
- Do not constitute a professional risk assessment or a substitute for advice from a SEBI-registered Investment Adviser
- Should not be the sole basis for any investment decision
4. FinBot — AI Chat Assistant
This Website offers FinBot, an AI-based chat assistant that responds to general finance-related queries. FinBot’s responses are automatically generated and:
- Are for general educational purposes only and do not constitute personalized investment, financial, tax, or legal advice
- Do not constitute a recommendation to buy, sell, or hold any security, mutual fund, or other financial product
- May be inaccurate, incomplete, or not reflective of current market conditions or regulatory changes
- Should never be treated as a substitute for advice from a SEBI-registered Investment Adviser or Research Analyst
If FinBot’s response ever appears to offer a specific buy/sell recommendation or guaranteed-return claim, please disregard it and report it to us — this would be contrary to FinBot’s intended design and this disclaimer.
5. Calculators — Assumptions and Limitations
Our calculators (SIP, Lumpsum, SWP, Goal, Loan, Loan Prepayment, Expense, and EMI to Yourself) use standard financial formulas (compounding, amortization) applied to the values you enter, including any assumed rate of return, interest rate, or inflation figure.
- Assumed rates of return are illustrative only and are not a forecast, promise, or guarantee of actual future performance
- Actual returns on mutual funds, SIPs, or other market-linked instruments depend on market performance and may be higher or lower than any assumed rate used in these tools
- Loan/EMI-related outputs may differ from actual figures offered by your lender, which depend on credit profile, lender policy, prevailing interest rates, and applicable charges
- These tools do not factor in taxes, exit loads, or scheme-specific charges unless explicitly stated
6. Mutual Fund and Market Risk Disclosure
Mutual fund investments are subject to market risk. Please read all scheme-related documents carefully before investing. Past performance of any investment, fund, or strategy referenced on this Website is not indicative of, and does not guarantee, future results.
7. Your Responsibility
You are solely responsible for any financial, investment, or planning decisions you make. Before acting on any information found on this Website, you are strongly encouraged to:
- Consult a SEBI-registered Investment Adviser or Research Analyst
- Consult a Chartered Accountant or tax professional for tax-related matters
- Read all official scheme documents, loan agreements, or product disclosures issued by the relevant financial institution
8. No Liability
Rocky and this Website shall not be held liable for any direct, indirect, incidental, or consequential loss or damage arising from the use of, or reliance on, any content, tool, or calculator provided on this Website.
9. Changes to This Disclaimer
This Financial Disclaimer may be updated from time to time to reflect changes in our content, tools, or applicable SEBI/regulatory requirements. Continued use of the Website after such changes constitutes acceptance of the updated disclaimer.
10. Contact
For questions regarding this Financial Disclaimer, contact:
Name: Rocky Email: info@rockyshrivastava.com Website: https://rockyshrivastava.com