In the section below, we have clarified as to the limitations and responsibilities from a legal perspective. Please do take a look and let us know if you have any doubts.

Your Financial Planner is a human being and mistakes are possible. We constantly review our processes and have checks in place to avoid unwanted errors. We give importance to people’s values and strongly believe in integrity. We take personal responsibility in delivering values to our clients. We make Financial Plan based on the information that you provide us and goals that you set for yourself and your family. The results will depend on execution of our recommendations and will hold true as per assumptions. Tax assumptions currently made may undergo a substantial change based on regulatory policies in force from time to time. Please do not treat our Financial Plan as a legal or accounting advice. The numbers in the Financial Plan are general estimates. The actual situation may not be same, depending on various factors from time to time. There is no warranty on accuracy and we do not accept any liability for any error, omission or any loss in this regard. If the information you have provided is incorrect, the plan’s outcome will reflect accordingly.

We request you to carefully review that the information you have provided to us. Assumptions made by us in good faith may impact in a negative or a positive way. We request you to review all assumptions at your end. Financial Plan should be reviewed regularly, at least once in a year. It should be updated with the progress, current status and changes in future requirements. Past performance does not guarantee about future outcome. Our advice or recommendations are not insured in any manner. Errors & Omissions expected (E&OE). We constantly review our processes and have checks and balances in place to avoid such errors.  We reserve the right to amend the offerings, terms & conditions and other details without prior intimation.  Verbal discussions with us are not considered as an advice. Clients are required to make a written request asking for advice. We are responsible to respond to you in writing only. Please refer to our Letter of Engagement for more terms and conditions. MERRY MIND is a banner under which Arijit Sen is a SEBI Registered Investment Adviser in the individual category and Uttam Kumar Sen is the Blogger. We use a standard methodology to build your Financial Plan. Our approaches may vary from one client to another. Our Mutual Funds recommendations are based on various parameters like their long term performance, risk and return trade off, reputation of the Mutual Fund Asset Management Companies. We use the research information provided by the Research Team of iFAST Financial India Pvt. Ltd. for Mutual Fund research & advisory. We use information like Key Information Memorandum, Scheme Information Document, Statement of Additional Information, Factsheets, product notes etc. provided by Mutual Fund Asset Management Companies. We also use freely available research information like Morningstar and Value Research, etc. There is no obligation on you to take any product or services through us. If you get Estate Planning done through us, we may earn additional fee or commission. Your feedback on our services may be used for our marketing & promotional purposes at places like our Website, Facebook, Linkedin, Twitter, flyers, brochures, presentations, conferences & seminars and prospect meetings etc. We do not commit any Service Level Assurance (SLA) for any of our services. We use a proprietary model for preparing Financial Plans. We do not share soft copy of workings with clients. However, we ensure that any technical doubt you may have on our workings will be resolved to your satisfaction.

We reserve the Intellectual Property Rights on all reports we present you, including the sample Financial Plan. For automated email list & records management, we save your basic data like name, email, location, etc. This does not include any of your financial data. We do not claim to have expertise in every financial product available in the country.