Mintbyte Disclaimer

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1. Acceptance of Terms

By accessing, browsing, or using the website mintbyte.com (hereinafter referred to as the “Website”), you, the user, acknowledge that you have read, understood, and unconditionally agree to be bound by the terms and conditions set forth in this Disclaimer. If you do not agree with any part of this Disclaimer, you must immediately cease all use of this Website. This “acceptance by use” is a foundational understanding for the terms that follow, establishing a basis for the limitations and expectations outlined herein.

This Website is a common platform that provides information and access to services offered by two distinct legal entities:

  • MINTBYTE INVESTMENT SERVICES PRIVATE LIMITED (hereinafter referred to as “Mintbyte Investments”)
  • MINTBYTE WEALTH MANAGEMENT PRIVATE LIMITED (hereinafter referred to as “Mintbyte Wealth”)


This Disclaimer applies to all content and services available through the Website. Specific disclaimers pertaining to the distinct services offered by Mintbyte Investments and Mintbyte Wealth are further detailed in Section 6. Your acceptance of this general Disclaimer also implies acceptance of those specific disclaimers relevant to any services you may explore or avail from either entity through this platform.

2. General Information Only

The content, materials, information, tools (such as calculators or financial planners), articles, blog posts, and any other data provided on this Website (collectively, “Content”) are intended solely for general informational and educational purposes.

The Content is not intended to constitute, and should not be construed or relied upon as, financial advice, investment advice, tax advice, legal advice, or any other form of professional advice or recommendation to buy, sell, or hold any securities or financial products. The provision of general information on this Website does not create any advisory or client relationship with either Mintbyte Investments or Mintbyte Wealth.

Specific, personalized financial advice will only be provided by Mintbyte Wealth Management Private Limited under a formal, written advisory agreement executed between Mintbyte Wealth and the client, in accordance with SEBI (Investment Advisers) Regulations, 2013. Distribution services for financial products are provided by Mintbyte Investment Services Private Limited, which may involve an assessment of product suitability as per regulatory guidelines for distributors, but this should not be mistaken for holistic, fiduciary investment advice. This distinction is critical: information available on the website is not a substitute for tailored professional advice based on individual circumstances.

Users of this Website are strongly encouraged to seek independent professional advice from qualified advisors, tailored to their specific financial situation, investment objectives, risk tolerance, and other relevant circumstances, before making any financial or investment decisions.

3. No Offer or Solicitation

The information and Content provided on this Website do not constitute an offer to sell, or a solicitation of an offer to buy or subscribe for, any securities, financial instruments, investment products, or services by either Mintbyte Investments or Mintbyte Wealth, or any third party, in any jurisdiction where such an offer, solicitation, purchase, or sale would be unlawful under the laws of that jurisdiction.

Any mention of specific financial products or services on this Website is for informational purposes only and is subject to the detailed terms and conditions outlined in the applicable agreements, scheme information documents, offer documents, policy terms, or other legally binding documents related to such products or services.

4. Accuracy and Completeness of Information

While Mintbyte Investments and Mintbyte Wealth endeavor to ensure that the information provided on this Website is accurate, current, and complete at the time of publication, we make no representations, warranties, or guarantees of any kind, whether express or implied, regarding the accuracy, reliability, timeliness, suitability, or completeness of any Content.

The Content on this Website may be subject to change without prior notice. There is no obligation on the part of Mintbyte Investments or Mintbyte Wealth to update or correct any information or Content on the Website, even if it becomes outdated or inaccurate. While striving for factual correctness is an operational goal, particularly for regulated entities, this disclaimer legally protects against liability for inadvertent errors or omissions.

Users should independently verify any information or Content obtained from this Website before relying on it for any decision-making purpose. Reliance on any information provided on this Website is solely at the user’s own risk.

5. Investment Risks & Past Performance

  • Investment Risks: Investments in all financial products, including but not limited to mutual funds, Portfolio Management Services (PMS), Alternative Investment Funds (AIF), insurance products, stocks, bonds, and other securities, are subject to various market risks, credit risks, liquidity risks, and other associated risks. The value of such investments can fluctuate (go up or down) due to market dynamics and other factors. There is no assurance or guarantee that the objectives of any investment product or strategy will be achieved, and investors may lose part or all of their principal amount invested.
  • Past Performance: Any information regarding past performance of financial products, investment strategies, or markets, if presented on this Website, is not indicative of future results or returns. Past performance should not be construed as a guarantee of future performance and should not be the sole basis for making investment decisions.
  • Read Offer Documents: Investors are strongly advised to carefully read and understand the respective Scheme Information Document (SID), Statement of Additional Information (SAI), Key Information Memorandum (KIM), offer documents, private placement memorandums, policy terms and conditions, and all other related documents carefully before making any investment in any financial product. These documents contain critical information regarding investment objectives, strategies, risk factors, charges, expenses, and other important details. This emphasis on reading primary product documentation underscores the investor’s responsibility for due diligence.
  • Suitability: Not all financial products or services described on this Website may be suitable for all investors. Mintbyte Investment Services Private Limited, in its capacity as a distributor, may assist in assessing the suitability of distributed products based on information provided by the investor, as per regulatory guidelines. Mintbyte Wealth Management Private Limited, which is becoming a SEBI-registered investment Adviser, will conduct a comprehensive suitability assessment as part of its formal advisory process with its clients. Ultimately, investors must make their own independent investment decisions based on their specific investment objectives, financial situation, risk appetite, and after consulting with appropriate professional advisors if they deem it necessary.

6. Specific Disclaimers for Services

MINTBYTE INVESTMENT SERVICES PRIVATE LIMITED (Financial Product Distributor, AMFI Reg. MFD ARN-314872, PMS APRN-01658):

  • Mintbyte Investments operates as a distributor of financial products, including Mutual Funds, PMS products, AIF products, and Insurance policies. It receives commissions or other forms of remuneration from the respective Asset Management Companies (AMCs), insurance companies, PMS providers, AIF managers, and other product providers whose products it distributes. This commission-based remuneration model may create a potential conflict of interest, as recommendations could theoretically be influenced by the level of commission earned from different products or providers. Mintbyte Investments endeavors to provide fair and suitable product options based on client needs and regulatory guidelines. Details of commissions received for mutual fund distribution are available and will be disclosed as per regulatory requirements.
  • The role of Mintbyte Investments is primarily to distribute financial products and facilitate transactions in these products for its clients. Any information provided by Mintbyte Investments regarding these products is based on information made available by the product providers and from publicly available sources.
  • Mintbyte Investments also acts as an Authorised Person (AP) of Motilal Oswal Financial Services Limited for providing access to stockbroking services. These services, including execution and clearing of trades, are governed by the terms and conditions of Motilal Oswal Financial Services Limited and are subject to SEBI regulations and the rules of the respective stock exchanges.
  • Any recommendations or suggestions of financial products by Mintbyte Investments are based on its assessment of product suitability for the client and are not to be construed as holistic investment advice, unless specifically stated and to the extent permissible under the regulations governing Mutual Fund Distributors (which allow for “incidental advice” strictly related to the products being distributed).

MINTBYTE WEALTH MANAGEMENT PRIVATE LIMITED (SEBI Registered Investment Adviser – RIA No. In-Progress):

  • Mintbyte Wealth provides independent financial planning and investment advisory services. It is registered with SEBI as an Investment Adviser and operates on a fee-only basis, acting in a fiduciary capacity towards its advisory clients.
  • Mintbyte Wealth does not receive any commissions, rebates, brokerage, or any other form of remuneration from AMCs, insurance companies, or any other third-party product providers for the investment advice provided or for any products recommended to its advisory clients. Its revenue is solely from the advisory fees paid directly by its clients.
  • Investment advice provided by Mintbyte Wealth is personalized and tailored to each client’s specific financial situation, investment objectives, risk tolerance, time horizon, and other relevant factors. This advice is documented in a formal, written advisory agreement entered into with the client.
  • Clients of Mintbyte Wealth are free to implement the investment advice through any platform, broker, or intermediary of their choice. If Mintbyte Wealth provides any assistance in the implementation of advice, it will be strictly in accordance with the SEBI (Investment Advisers) Regulations, 2013, and with full disclosure.
  • The proactive disclosure of Mintbyte Investments’ commission-based model and its potential conflicts, contrasted with Mintbyte Wealth’s fee-only, fiduciary approach, is intended to provide users with clear transparency regarding the operational and remuneration differences between the two entities.

7. Third-Party Links and Content

This Website may contain links or references to third-party websites, resources, tools, or content that are not owned, controlled, or operated by Mintbyte Investments or Mintbyte Wealth. Such links are provided solely for the convenience of the user and for informational purposes.

The inclusion of any third-party link does not imply an endorsement, approval, investigation, verification, or monitoring by Mintbyte Investments or Mintbyte Wealth of any information, content, products, or services contained in or accessible through such linked third-party websites.

We have no control over, and assume no responsibility or liability for, the content, accuracy, privacy policies, security practices, or any other aspect of such third-party websites or resources. You acknowledge and agree that your access to and use of any third-party website is entirely at your own risk, and you should review the terms and conditions and privacy policies of such websites before using them.

8. Limitation of Liability

To the fullest extent permitted by applicable law, MINTBYTE INVESTMENT SERVICES PRIVATE LIMITED, MINTBYTE WEALTH MANAGEMENT PRIVATE LIMITED, their respective directors, officers, employees, agents, affiliates, and associates shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to, damages for loss of profits, revenue, data, use, goodwill, or other intangible losses, arising out of or in connection with:

* Your access to, use of, or inability to access or use this Website or its Content.

* Any conduct, content, products, or services of any third party on or made available through the Website.

* Any Content obtained from or relied upon from the Website, including any errors, omissions, or inaccuracies therein.

* Unauthorized access to, use, or alteration of your transmissions, data, or content.

* The performance or non-performance of the Website.

* Any computer viruses, worms, Trojan horses, or other harmful components that may infect your computer equipment or other property on account of your access to, use of, or browsing in this Website or your downloading of any Content from the Website.15

* Any investment decisions made based on information or tools provided on this Website.

This limitation of liability applies whether the alleged liability is based on contract, tort (including negligence), strict liability, statute, or any other legal theory, even if Mintbyte Investments or Mintbyte Wealth have been advised of the possibility of such damage. While this clause aims to limit legal exposure, it does not absolve the entities of their core statutory duties and obligations under SEBI regulations, such as the fiduciary duty for an RIA or suitability assessment for an MFD. Adherence to these regulatory standards remains paramount.

If any part of this limitation of liability is found to be invalid or unenforceable for any reason, then the aggregate liability of Mintbyte Investments and Mintbyte Wealth under such circumstances for liabilities that otherwise would have been limited shall not exceed the amount of fees, if any, paid by you to Mintbyte Investments or Mintbyte Wealth for the specific services from which the liability arose.

9. Intellectual Property

All Content on this Website, including but not limited to text, graphics, designs, logos, button icons, images, audio clips, video clips, digital downloads, data compilations, and software, and the compilation and arrangement thereof, is the property of MINTBYTE INVESTMENT SERVICES PRIVATE LIMITED and/or MINTBYTE WEALTH MANAGEMENT PRIVATE LIMITED, or their respective content suppliers, and is protected by Indian and international copyright, trademark, and other intellectual property laws.

The trademarks, logos, service marks, and trade names (collectively, the “Trademarks”) displayed on the Website are the registered and unregistered marks of MINTBYTE INVESTMENT SERVICES PRIVATE LIMITED, MINTBYTE WEALTH MANAGEMENT PRIVATE LIMITED, their affiliates, or respective third-party owners who have granted the right and license to use such Trademarks.

Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Content or Trademark displayed on the Website without the express prior written permission of the rightful owner. Any unauthorized use of the Content or Trademarks may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes.

10. Use of Website

You agree to use this Website only for lawful purposes and in a manner that does not infringe upon or violate the rights of, or restrict or inhibit the use and enjoyment of, this Website by any third party.

Prohibited behavior includes, but is not limited to, harassing or causing distress or inconvenience to any person, transmitting obscene, defamatory, or offensive content, or disrupting the normal flow of dialogue or operation of this Website. You may not use this Website in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party’s use and enjoyment of the Website.

We reserve the right to terminate or restrict your access to the Website, without notice, for any conduct that we believe, in our sole discretion, violates these terms, is harmful to other users of the Website, to us, or to third parties, or is otherwise inappropriate.

11. Changes to Disclaimer

Mintbyte Investments and Mintbyte Wealth reserve the right to amend, modify, or replace this Disclaimer, or any part thereof, at any time without prior notice. Any such changes will be effective immediately upon posting the revised Disclaimer on this Website.

Your continued use of the Website following the posting of any changes to this Disclaimer will constitute your acceptance of such changes. It is your responsibility to periodically review this Disclaimer page to ensure you are aware of the current terms and conditions.

12. Governing Law and Jurisdiction

This Disclaimer, and any disputes, claims, or controversies arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of India.

The competent courts located in Mumbai, India, shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this Disclaimer or its subject matter or formation.