Disclaimer

1. General Disclaimer

The information provided on capitalfort.in is for general information, investor awareness, and educational purposes only.

Capital Fort is the brand name of Capital Fort Financial Services, a partnership firm based in Mandya, Karnataka. Capital Fort Financial Services is an AMFI-registered Mutual Fund Distributor with ARN-350415.

Capital Fort provides access to mutual fund investments through the FundzBazar platform in association with Prudent Corporate Advisory Services Ltd., operating under ARN-9992.

The content available on this website should not be treated as investment advice, financial advice, legal advice, tax advice, portfolio management advice, research recommendation, or any form of guaranteed financial planning.

Users and investors are advised to read all product-related documents carefully and make financial decisions only after understanding the product, risk factors, charges, suitability, tax implications, and investment objective.

2. No Investment Advisory Service

Capital Fort Financial Services acts as a Mutual Fund Distributor and facilitator of financial products.

Capital Fort is not a SEBI Registered Investment Adviser, unless specifically and separately stated with valid registration details. Any information, explanation, comparison, calculator result, article, presentation, social media post, awareness session, or communication provided by Capital Fort is for general awareness and distribution support purposes only.

Nothing on this website should be considered as personalised investment advice or a recommendation to buy, sell, hold, switch, redeem, or invest in any particular financial product.

Investment decisions should be taken by the investor after considering their own financial position, risk profile, time horizon, goals, liquidity needs, tax position, and suitability. Where required, investors should consult a qualified SEBI Registered Investment Adviser, tax consultant, legal adviser, or other professional.

3. Mutual Fund Disclaimer

Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

Capital Fort does not issue, manage, operate, or control any mutual fund scheme. Mutual fund schemes are managed by respective Asset Management Companies.

Capital Fort does not guarantee:

Fixed returns
Capital protection
Future NAV
Dividend or income payout
Scheme performance
Portfolio performance
Redemption value
Tax benefit
Any specific investment outcome

The value of mutual fund investments may rise or fall depending on market movements, interest rates, credit quality, liquidity conditions, economic factors, regulatory changes, fund management decisions, and other risks.

Past performance of any mutual fund scheme is not a guarantee of future performance. Historical returns, ratings, rankings, charts, or comparisons are only for reference and should not be the sole basis for investment decisions.

Investors must read the Scheme Information Document, Key Information Memorandum, Statement of Additional Information, factsheet, addendums, riskometer, portfolio details, expense ratio, exit load, taxation, and all other relevant documents before investing.

4. Role of Capital Fort as Mutual Fund Distributor

Capital Fort Financial Services is registered as a Mutual Fund Distributor with ARN-350415.

Our role is limited to facilitating access to mutual fund investments, helping with onboarding, explaining product features, assisting with documentation, supporting transactions, and providing service-related assistance through authorised platforms.

Mutual fund investment access may be provided through FundzBazar, in association with Prudent Corporate Advisory Services Ltd., operating under ARN-9992.

Capital Fort does not guarantee the performance of any mutual fund scheme or fund house. The final decision to invest remains with the investor.

5. FundzBazar and Prudent Disclaimer

Capital Fort provides mutual fund investment access through the FundzBazar platform in association with Prudent Corporate Advisory Services Ltd.

When an investor registers, invests, transacts, or uses FundzBazar or any Prudent-related platform, the investor may also be bound by the terms and conditions, privacy policy, transaction rules, cut-off timings, payment rules, KYC requirements, and operational policies of FundzBazar, Prudent, AMCs, RTAs, payment gateways, banks, and other service providers.

Capital Fort is not responsible for technical errors, platform downtime, payment failures, transaction delays, incorrect user entries, third-party system issues, or any platform-related problem beyond our control.

Capital Fort may assist the investor in resolving service issues, but final processing and resolution may depend on the relevant platform, AMC, RTA, bank, payment gateway, or service provider.

6. Insurance Disclaimer

Capital Fort may facilitate or assist with Life Insurance and Health Insurance products through authorised insurance companies, insurance intermediaries, or permitted platforms.

Insurance products are issued by the respective insurance companies. Capital Fort does not underwrite insurance risk, issue policies, approve proposals, settle claims, decide claim admissibility, or guarantee claim approval.

All insurance benefits, exclusions, waiting periods, premium terms, renewal conditions, policy continuation, surrender value, claim process, and claim settlement are governed by the policy document issued by the respective insurance company.

Before purchasing any insurance policy, users must carefully read the proposal form, policy wording, benefit illustration, exclusions, waiting periods, premium payment terms, claim conditions, and all other relevant documents.

Insurance should not be purchased only based on verbal discussion, brochure, social media content, or website summary. The final terms will always be as per the official policy document.

7. Bonds and Debentures Disclaimer

Capital Fort may provide information or assistance regarding bonds and debentures through authorised platforms, issuers, or service providers.

Bonds and debentures are subject to various risks, including but not limited to:

Credit risk
Issuer default risk
Interest rate risk
Liquidity risk
Market price risk
Reinvestment risk
Taxation risk
Premature exit risk
Regulatory risk

Capital Fort does not guarantee repayment of principal, payment of interest, liquidity, credit rating, market price, or future performance of any bond or debenture.

Investors must read the offer document, information memorandum, term sheet, issuer details, credit rating rationale, risk factors, payment terms, maturity terms, and all relevant documents before investing.

Credit ratings are opinions of rating agencies and are not guarantees of safety or repayment.

8. Fixed Deposit Disclaimer

Capital Fort may facilitate access to fixed deposit products through authorised banks, NBFCs, companies, platforms, or financial institutions.

Fixed deposits may differ in terms of issuer, interest rate, tenure, premature withdrawal rules, taxation, liquidity, safety, deposit insurance, and risk.

Bank fixed deposits may be eligible for deposit insurance as per applicable DICGC rules, subject to prescribed limits and conditions. However, all fixed deposit products are not the same. Corporate deposits, NBFC deposits, and other fixed-income products may carry different risks and may not have the same protection as bank deposits.

Capital Fort does not guarantee repayment, interest payment, premature withdrawal, issuer safety, or continuation of any rate offered by the issuer.

Investors must carefully read the terms and conditions, issuer details, credit rating, deposit rules, premature withdrawal terms, taxation, and risk disclosures before investing.

9. Loan Against Securities Disclaimer

Capital Fort may assist eligible clients in accessing Loan Against Securities through lenders, platforms, or authorised financial institutions.

Loan approval, loan amount, margin requirement, interest rate, processing fee, pledge process, repayment terms, tenure, top-up requirement, margin call, and security release process are decided by the respective lender or platform.

Capital Fort does not guarantee loan approval, loan amount, interest rate, processing time, or continuation of the loan facility.

If the value of pledged securities falls, the lender may ask for additional margin, partial repayment, or may sell pledged securities as per lender terms and applicable laws.

Users must read all loan documents, pledge terms, interest terms, charges, risks, and repayment obligations before availing Loan Against Securities.

10. SIF, PMS, and AIF Disclaimer

Capital Fort does not directly offer or manage SIF, PMS, or AIF products.

If an eligible investor wishes to explore advanced investment options such as SIF, PMS, or AIF, Capital Fort may assist in connecting the investor through Prudent’s platform, network, or authorised channel, subject to eligibility, documentation, minimum investment requirements, risk understanding, and applicable rules.

These products may involve higher risk, higher ticket size, lower liquidity, longer lock-in periods, complex investment strategies, different fee structures, and different taxation.

Capital Fort does not guarantee returns, suitability, capital protection, liquidity, or performance of any SIF, PMS, or AIF product.

Investors must carefully read all offer documents, disclosure documents, agreements, risk documents, fee details, and regulatory disclosures before investing.

11. No Guaranteed Returns

Capital Fort does not provide any guarantee of returns on any financial product.

No statement on this website, in any meeting, WhatsApp message, phone call, email, seminar, presentation, social media post, calculator, or advertisement should be interpreted as a guarantee of return or assurance of capital protection.

Returns from financial products may depend on market conditions, interest rates, credit risk, product structure, issuer performance, fund management, investor behaviour, taxation, expenses, and many other factors.

Any expected return, projected value, future value, maturity value, or illustration shown is only for understanding and should not be treated as an assured outcome.

12. Market Risk Disclaimer

Market-linked products are subject to market risks.

The value of investments may go up or down. Investors may receive less than the amount invested, depending on the product and market conditions.

Equity, debt, hybrid, international, small-cap, mid-cap, sectoral, thematic, and other investment categories carry different levels of risk.

Investors should not invest only by looking at past returns, short-term performance, social media trends, ratings, rankings, or peer recommendations.

Every investor must consider their own risk capacity before investing.

13. Past Performance Disclaimer

Past performance is not an indicator or guarantee of future returns.

A fund, product, asset class, company, issuer, or investment strategy that performed well in the past may not perform similarly in the future.

Returns may change due to market cycles, economic conditions, interest rates, liquidity, inflation, taxation, fund manager decisions, company performance, credit events, and regulatory changes.

Investors should avoid making decisions only on the basis of past returns.

14. Website Content Disclaimer

The content available on capitalfort.in is prepared for general awareness, educational, and informational purposes.

While Capital Fort makes reasonable efforts to keep information accurate and updated, we do not guarantee that all information on the website is always complete, accurate, updated, or error-free.

Financial product features, returns, interest rates, premiums, NAVs, fund ratings, charges, tax rules, eligibility, availability, and regulatory requirements may change from time to time.

Before making any financial decision, users must verify the latest information from official sources, product documents, AMCs, insurers, issuers, lenders, platforms, regulators, or authorised service providers.

15. Calculator Disclaimer

Capital Fort may provide calculators such as SIP calculators, step-up SIP calculators, goal calculators, retirement calculators, insurance calculators, or other financial tools.

All calculators are for illustration and educational purposes only.

Calculator results are based on assumptions entered by the user, such as investment amount, expected return, time period, inflation, step-up rate, or other inputs. Actual results may differ significantly.

Calculators do not guarantee investment returns, maturity value, insurance need, loan eligibility, tax benefit, or financial outcome.

Investors should not make decisions solely based on calculator results.

16. Educational and Awareness Program Disclaimer

Capital Fort may conduct or support financial awareness programs, investor education sessions, personal finance discussions, seminars, webinars, presentations, and training sessions.

Such programs are conducted for awareness and education only.

Information shared in such programs should not be treated as personalised financial advice, investment advice, research recommendation, tax advice, legal advice, or a guarantee of any result.

Participants should independently evaluate financial products and consult qualified professionals where required before making decisions.

17. Tax Disclaimer

Any tax-related information available on this website or shared by Capital Fort is for general understanding only.

Capital Fort does not provide tax advice unless specifically and legally permitted. Tax treatment may vary depending on the investor’s residential status, income level, holding period, product type, tax regime, and changes in tax laws.

Investors should consult a qualified tax professional before making tax-related decisions.

Capital Fort is not responsible for any tax liability, penalty, interest, or loss arising from investment, redemption, withdrawal, insurance, fixed deposit, bond, debenture, loan, or any other financial transaction.

18. Legal Disclaimer

Nothing on this website should be treated as legal advice.

Users should consult a qualified legal professional for legal matters, documentation, estate planning, succession, nomination, joint holding, HUF matters, NRI matters, taxation disputes, claims, or regulatory issues.

Capital Fort is not responsible for any legal consequence arising from decisions taken based on general information available on this website.

19. NRI, HUF, Minor, Joint Holder, and Special Category Investor Disclaimer

Capital Fort may assist investors such as NRIs, HUFs, minors through guardians, joint holders, HNIs, families, and other special categories.

Such investors may be subject to additional documentation, regulatory requirements, KYC rules, FATCA/CRS declarations, bank account requirements, tax rules, nominee requirements, guardian rules, and platform-specific restrictions.

Capital Fort may assist with the process, but final acceptance, rejection, or approval depends on AMCs, RTAs, insurers, lenders, issuers, platforms, banks, and applicable regulations.

Investors are responsible for providing correct, complete, and updated information.

20. Third-Party Link Disclaimer

This website may contain links to third-party websites, platforms, forms, payment gateways, AMCs, insurers, lenders, issuers, FundzBazar, Prudent, regulators, or other service providers.

These links are provided for convenience, service support, or informational purposes.

Capital Fort does not control third-party websites and is not responsible for their content, accuracy, availability, privacy practices, security, transaction success, product terms, technical issues, or service quality.

Users should read the terms and conditions and privacy policy of third-party platforms before using them.

21. Payment Disclaimer

Capital Fort does not ask clients to transfer investment money to any personal bank account or unauthorised account.

Payments for mutual funds, insurance premiums, fixed deposits, bonds, debentures, loans, or any financial product should be made only through authorised platforms, payment gateways, AMCs, insurers, issuers, lenders, banks, or permitted service providers.

Users must verify payment links, beneficiary names, URLs, and transaction details before making any payment.

Capital Fort is not responsible for losses caused due to fake links, phishing, wrong account transfers, impersonation, cyber fraud, unauthorised payment requests, or mistakes made by the user.

22. Communication Disclaimer

Capital Fort may communicate with users through phone calls, WhatsApp, SMS, email, social media, website forms, video calls, or physical meetings.

Users should verify the authenticity of any communication before sharing personal information, documents, OTPs, passwords, payment details, or sensitive data.

Capital Fort will never ask for OTP, UPI PIN, net banking password, debit card PIN, or similar confidential credentials.

Any suspicious communication claiming to be from Capital Fort should be verified directly through official contact details available on the website.

23. Technology and Availability Disclaimer

Capital Fort does not guarantee uninterrupted access to this website, third-party platforms, calculators, forms, links, or online services.

Website or service availability may be affected by maintenance, server issues, internet problems, cyber incidents, platform downtime, payment gateway issues, regulatory restrictions, or other technical problems.

Capital Fort is not responsible for any loss, delay, failed transaction, missed opportunity, or inconvenience caused due to technical issues beyond our control.

24. Accuracy of Information Provided by User

Users are responsible for providing true, complete, updated, and accurate information.

Capital Fort is not responsible for delays, rejections, failed transactions, wrong investments, policy issues, claim issues, KYC problems, tax issues, or service errors caused by incorrect, incomplete, outdated, or false information provided by the user.

Users must immediately update us or the relevant platform if there is any change in mobile number, email address, bank account, address, nominee, tax status, NRI status, KYC details, or other important information.

25. Limitation of Liability

Capital Fort, its partners, employees, representatives, associates, and service providers shall not be liable for any direct, indirect, incidental, consequential, financial, or special loss arising from:

Use of this website
Investment decisions made by the user
Market movements
Product performance
Insurance claim rejection
Loan rejection
Issuer default
Transaction delay or failure
Payment failure
Platform downtime
Third-party errors
Incorrect information provided by the user
Cyber fraud or phishing
Reliance on website content
Reliance on calculator results
Regulatory changes
Tax changes
Technical errors
Communication errors

Users agree that all financial decisions are taken at their own risk after understanding the relevant product and documents.

26. No Responsibility for Investor Behaviour

Investor returns may be affected by behaviour such as stopping SIPs, redeeming early, switching frequently, investing without understanding risk, chasing past returns, panic selling, delaying investment, or ignoring asset allocation.

Capital Fort may create awareness, but the final decision and behaviour of the investor are beyond our control.

Capital Fort is not responsible for losses or lower returns caused by investor decisions, market timing, panic actions, incomplete information, or failure to follow a disciplined investment approach.

27. Product Suitability Disclaimer

Every financial product is not suitable for every investor.

A product that may be suitable for one investor may not be suitable for another investor. Suitability depends on factors such as age, income, goals, dependents, risk appetite, investment horizon, liquidity requirement, tax status, existing assets, liabilities, and financial responsibilities.

Users should not invest in any product only because it is popular, promoted, trending, or used by another person.

28. Regulatory Change Disclaimer

Financial products and services are subject to laws, regulations, circulars, guidelines, tax rules, platform rules, and product provider policies, which may change from time to time.

Such changes may affect product features, returns, taxation, eligibility, documentation, transaction process, liquidity, charges, or service availability.

Capital Fort is not responsible for any impact caused by regulatory or legal changes.

29. Brand and Representation Disclaimer

No person is authorised to make guaranteed return promises, collect unauthorised money, issue fake receipts, provide misleading product information, or represent Capital Fort without permission.

Any communication, offer, payment request, or promise that appears suspicious should be verified directly with Capital Fort.

Capital Fort is not responsible for fraud committed by third parties falsely using the name, logo, or identity of Capital Fort.

30. Final Disclaimer

By using this website, submitting any form, communicating with Capital Fort, attending any program, clicking any link, or using any service facilitated by Capital Fort, you acknowledge and agree that:

You understand the risks involved in financial products.
You will read all relevant documents before investing or purchasing.
You will not treat website content as personalised advice.
You will make decisions based on your own understanding and professional advice where required.
You understand that Capital Fort acts as a distributor and facilitator, not as a guarantor of returns.

Capital Fort Financial Services is an AMFI-registered Mutual Fund Distributor with ARN-350415.