Risk Factors Disclosure

Niyyam — Risk Factors Disclosure

Effective Date: 4th March 2026
Platform / Controller: Niyyam, operated by Tech Margon Wealth Pvt. Ltd., Bangalore, Karnataka, India.
Contact / Grievance Officer: Ashok Prasad

Email:ashok@niyyam.com

1. General Notice

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.

This document outlines the key risk factors for users to understand before transacting through the Platform.

2. Investment-Related Risks

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 other restrictions set by fund houses or insurers.

2.3 Credit Risk:
Investments in debt instruments or bonds 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. Rising rates may reduce the market value of existing debt investments.

2.5 Mutual Fund & Policy-Specific Risks:

  • The NAV of mutual funds can fluctuate due to market volatility.
  • Insurance policies may have coverage exclusions; claims may be denied if conditions are not met.

3. Platform-Related Risks

3.1 Technical & Operational Risk:

  • The Platform may experience technical failures, downtime, or interruptions.
  • Users may face delays in transactions or data processing errors due to system issues.

3.2 Data & Cybersecurity Risk:

  • Despite robust encryption and security measures, unauthorized access, hacking, 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.

3.4 Regulatory & Compliance Risk:

  • Non-compliance with SEBI, AMFI, IRDAI, or other regulations may lead to service interruptions.
  • Users must comply with KYC/AML obligations; failure may result in denied transactions.

4. Financial & Market Risks

4.1 Currency & Inflation Risk:
Investments in instruments denominated in foreign currency or 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 or insurance product is guaranteed unless explicitly stated in product documents.

5. User Conduct & Responsibility

5.1 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.

5.2 Users acknowledge that Niyyam:

  • Does not provide personalized financial advice.
  • Is not liable for losses due to investment decisions or insurance claims.

6. Regulatory & Legal Risks

6.1 SEBI / AMFI / IRDAI Compliance:

  • All mutual fund, insurance, and financial services are governed by respective regulators.
  • Regulatory changes may impact investment terms, NAVs, premiums, or approval processes.

6.2 Taxation & Legal Risk:

  • Tax liabilities arising from investments or insurance products are solely the responsibility of the user.
  • Users should consult a tax advisor for implications of any investment or insurance decision.

7. Limitations & Disclaimers

7.1 The risks listed above are not exhaustive; additional risks may arise from market conditions, platform operations, or regulatory changes.

7.2 Niyyam does not guarantee the completeness or accuracy of any information or content related to investments, insurance, or financial products.

7.3 Users are encouraged to seek independent professional advice and exercise prudence in all transactions.

8. Acknowledgment

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, insurance, and financial decisions made via the Platform.

9. Contact & Grievance Officer

For queries or complaints regarding risk disclosures or the Platform:

Grievance Officer:
Tech Margon Wealth Pvt. Ltd. (Niyyam)
Email: ashok@niyyam.com
Postal Address: 1,2 A1 Block, 4th Floor, Above Chef Bakers’ ITPL Main Road, Near Brookefield Hospital, Kundanhalli, Bangalore-560037, Karnataka