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The financial products and services offered via Niyyam involve certain risks that users must carefully consider before making any investment, insurance, or financial decision. By using the Platform, users acknowledge that:
Investments carry inherent risk, including potential loss of principal.
Past performance is not indicative of future results.
Niyyam does not guarantee returns or approval of any financial product.
2.1 Market Risk: Mutual fund investments and other securities are subject to market fluctuations. The value of your investment can rise or fall depending on market conditions, economic factors, or geopolitical events. 2.2 Liquidity Risk: Some investments may not be easily sold or redeemed without loss of value. Redemption may be subject to lock-in periods or restrictions set by fund houses. 2.3 Credit Risk: Investments in debt instruments carry the risk that the issuer may default on payment of interest or principal. 2.4 Interest Rate Risk: Changes in interest rates can affect the value of fixed-income instruments.
3.1 Technical & Operational Risk: The Platform may experience technical failures, downtime, or interruptions causing delays in transactions. 3.2 Data & Cybersecurity Risk: Despite robust encryption and security measures, unauthorized access or data breaches may occur. Users are responsible for maintaining confidential login credentials. 3.3 Third-Party Dependence: Niyyam relies on AMCs, insurers, banks, and payment gateways. Delays, errors, or defaults by third-party providers may impact user transactions.
4.1 Currency & Inflation Risk: Investments in instruments affected by inflation may lose value in real terms. 4.2 Economic & Geopolitical Risk: Changes in government policy, taxation, regulations, or global events may impact investment outcomes. 4.3 No Guaranteed Returns: All investment products have inherent uncertainties; no investment product is guaranteed unless explicitly stated in product documents.
Users must ensure they:
Carefully read all product disclosure statements, scheme documents, and policy terms.
Understand their risk appetite and invest only amounts they can afford to lose.
Maintain updated KYC and financial records on the Platform.
Niyyam does not provide personalized financial advice and is not liable for losses due to investment decisions.
By using Niyyam, users acknowledge that:
They have read and understood this Risk Factors Disclosure.
They are aware of the inherent risks associated with financial products.
They accept responsibility for all investment and financial decisions made via the Platform.
Grievance / Compliance Officer — Ashok Prasad
support@niyyam.comTech Margon Wealth Pvt. Ltd. (Niyyam)
1,2 A1 Block, 4th Floor, Above Chef Bakers, ITPL Main Road, Near Brookefield Hospital, Kundanhalli, Bangalore-560037, Karnataka