Disclaimers, Terms & Conditions

1. Regulatory Disclosures & Registrations

All financial services offered under the Heliyon Wealth brand are provided by Mohit Sudhir Shah, who holds the following individual regulatory licences and distribution authorisations. Heliyon Wealth is the brand name under which these services are made available to clients and does not independently hold any regulatory registration.

All regulated activities are conducted solely by Mohit Sudhir Shah in his individual capacity. Heliyon Wealth, as a brand name, does not independently undertake any regulated financial activity.

2. General Investment Disclaimer

The information, content, and material provided on this website are for general informational and educational purposes only. Nothing on this website constitutes financial advice, investment advice, trading advice, or any other type of advice.

All investments carry risk, including the possible loss of principal. Returns on investments are not guaranteed. You should evaluate your personal financial situation, investment objectives, risk tolerance, and time horizon before making any investment decision.

Mohit Sudhir Shah / Heliyon Wealth strongly recommends that you consult with a qualified financial advisor, tax consultant, and/or legal professional before making any investment, insurance, or financial planning decision.

3. No Stock Recommendations or Research

The Authorised Partner relationship with Prudent Corporate Advisory Services Ltd., held in the individual name of Mohit Sudhir Shah, is strictly limited to facilitating account opening and order execution infrastructure for clients. This relationship does not authorise or enable Mohit Sudhir Shah or Heliyon Wealth to provide:

• Buy, sell, or hold recommendations on any listed or unlisted security
• Equity or derivatives research reports
• Portfolio management advice for direct equity
• Tips, calls, or market timing guidance of any nature
• Investment advisory services under SEBI (Investment Advisers) Regulations, 2013

Mohit Sudhir Shah is not a SEBI Registered Investment Adviser (RIA). If you are seeking personalised investment advisory services, please approach a SEBI Registered Investment Advisor.

4. Insurance Advisory Notice

Mohit Sudhir Shah holds valid licences issued by IRDAI in his individual name to solicit and distribute Life Insurance and Health Insurance products on behalf of empanelled insurance companies. These services are delivered to clients under the Heliyon Wealth brand. As a licensed insurance agent:

• He represents the interests of the client in understanding and selecting suitable products.
• Compensation is by way of commissions paid by the insurance company upon policy issuance.
• He does not have authority to approve, alter, or waive any policy terms or claims.
• All policy terms and conditions are governed by the respective insurer's policy document, which must be read carefully before purchase.
• Please review the policy document, key features sheet, and benefit illustration carefully before purchasing any insurance product.

Tax benefits under insurance products, if any, are subject to the provisions of the Income Tax Act, 1961, and are subject to change. Please consult your tax advisor for personalised guidance.

5. Mutual Funds & Specialised Investment Funds (SIF) Notice

Mohit Sudhir Shah is registered with AMFI as a Mutual Fund Distributor and holds an individual SIF distribution code authorising the distribution of Specialised Investment Funds as per applicable SEBI regulations. These services are delivered to clients under the Heliyon Wealth brand name.

As a distributor, Mohit Sudhir Shah / Heliyon Wealth:

• Receives trail commission and/or upfront commission from asset management companies on mutual fund investments facilitated through us.
• Does not provide investment advice in the capacity of a SEBI Registered Investment Adviser.
• May recommend suitable schemes based on an investor's stated goals — this constitutes distribution guidance, not regulated investment advice.

Regarding SIFs: Specialised Investment Funds are relatively new SEBI-regulated products with minimum investment thresholds. They carry a different risk profile compared to standard mutual funds and may not be suitable for all investors. Eligibility criteria, lock-in periods, liquidity conditions, and risk factors vary by fund. Investors are advised to thoroughly read the Private Placement Memorandum (PPM) and consult with us before investing.

Performance data, if any, shared on this website is sourced from publicly available information and is provided for reference only. Past performance is not a guarantee of future results.

6. Stock Broking — Authorised Partner Notice

Mohit Sudhir Shah holds an Authorised Partner code with Prudent Corporate Advisory Services Ltd., a SEBI-registered stockbroker. This registration is in his individual name, and services under this authorisation are facilitated under the Heliyon Wealth brand. The scope of this role is strictly limited to:

• Assisting clients in opening trading and demat accounts with Prudent.
• Facilitating onboarding and KYC documentation.
• Providing general information about the trading platform and account features.

Mohit Sudhir Shah / Heliyon Wealth does not execute trades on behalf of clients, hold client funds or securities, or provide any equity research, stock calls, or investment recommendations of any nature. All trading decisions remain solely the responsibility of the client.

Investors are advised to be aware of the risks involved in trading in securities markets. Please read the Risk Disclosure Document (RDD) carefully before transacting. For grievances related to broking services, investors may also contact Prudent Corporate Advisory Services Ltd. directly or approach SEBI via the SCORES portal (scores.gov.in).

7. Website Terms of Use

By accessing and using this website, you agree to the following terms:

1. For Information Only: This website is intended solely to provide general information about Heliyon Wealth and the services of Mohit Sudhir Shah. It does not constitute an offer, solicitation, or recommendation to buy or sell any financial product or security.
2. No Warranty: While we endeavour to keep information accurate and current, Mohit Sudhir Shah / Heliyon Wealth makes no representations or warranties of any kind — express or implied — about the completeness, accuracy, reliability, or suitability of the information on this website.
3. No Liability: Mohit Sudhir Shah / Heliyon Wealth shall not be held liable for any loss or damage arising directly or indirectly from reliance on information contained on this website.
4. Third-Party Links: This website may contain links to third-party websites for convenience only. Heliyon Wealth does not endorse or accept responsibility for the content, accuracy, or practices of any third-party sites.
5. Intellectual Property: All content on this website — including text, logos, graphics, and design — is the intellectual property of Mohit Sudhir Shah / Heliyon Wealth and may not be reproduced without expressing written permission.
6. Modifications: Mohit Sudhir Shah / Heliyon Wealth reserves the right to modify these terms at any time without prior notice. Continued use of the website constitutes acceptance of the revised terms.

8. Privacy & Data Collection Notice

Mohit Sudhir Shah / Heliyon Wealth collects personal information — such as name, email, phone number, and financial details — only when voluntarily provided through contact forms, enquiry submissions, or during the onboarding process.

• Your information is used solely for the purpose of providing the services you have requested.
• We do not sell, trade, or share your personal data with third parties except as required by law or as necessary to fulfil the service (e.g., sharing KYC data with AMCs, insurers, or brokers).
• We follow reasonable security practices to protect your data from unauthorized access.
• By submitting your information on this website, you consent to its use as described above.

For any data-related queries or requests for deletion, please write to office@heliyonwealth.com.

9. Grievance Redressal

We take client concerns seriously. If you have a complaint related to any service provided under the Heliyon Wealth brand, please reach out to Mohit Sudhir Shah in the first instance:

• Name: Mohit Sudhir Shah
• Email: office@heliyonwealth.com
• Phone: +91 72184 70077
• Response Time: Acknowledgement within 2 business days; resolution within 15 business days.