This page lays out who runs FinSet, the registrations we hold, what kind of content we publish and what we don't, how we earn and where to file a grievance. Each blog post and newsletter issue links here in place of repeating the full text on every page.

1. About the publisher

The FinSet newsletter and the finset.in blog are published by Sanket Nilkantha Dube, based in Pune, Maharashtra, India.

• Mutual fund distribution. AMFI-registered Mutual Fund Distributor. ARN-180462, valid from 13 March 2024 to 9 June 2027. EUIN E363818.
• Insurance distribution. Registered as a Point-of-Sales Person (POSP) / sub-broker under PolicyBazaar Insurance Brokers Pvt Ltd, an IRDAI-registered direct insurance broker.
• Not SEBI-registered. We are NOT registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser or as a Research Analyst.

2. Nature of content

All content on finset.in and in the FinSet newsletter is categorical, educational and general in nature. Nothing here is investment advice, a research report or a recommendation to buy, sell, hold or subscribe to any particular mutual fund scheme, security or insurance product. Nothing here is a solicitation of any such transaction.

No risk profiling or suitability assessment has been performed for the reader. Any investment or insurance decision must be based on the reader's own assessment after reading all Scheme Information Documents (SID), Statement of Additional Information (SAI), Key Information Memoranda (KIM), policy wording and other scheme-related documents. Where appropriate, consult a SEBI Registered Investment Adviser, an IRDAI-licensed insurance broker or a tax adviser.

3. No indicative or assured returns

We do not provide any indicative portfolio, indicative yield or indicative return for any scheme. Past performance is not indicative of future performance.

4. NFO-specific risks

Subscription to a New Fund Offer (NFO) carries price-volatility risk, liquidity risk and (for listed or close-ended schemes) delisting risk, in addition to general market risks. NFOs do not have a track record. A meaningful track record takes at least three years to build.

5. Statutory warnings

Mutual fund investments are subject to market risks. Read all scheme related documents carefully.

Insurance is the subject matter of solicitation.

6. Conflict of interest and commission disclosure

We deal in Regular Plans of mutual funds and earn trail commission from Asset Management Companies on assets sourced through our ARN. The Direct Plan of every scheme is available to investors at a lower expense ratio. We do not earn commission on Direct Plans. Scheme-wise commission rates are available on request from [email protected].

On insurance products sourced through our POSP / sub-broker registration we earn brokerage paid by the insurer. Rates are available on request.

7. No association with unregistered entities

In compliance with SEBI Circular No. SEBI/HO/MIRSD/MIRSD-PoD-1/P/CIR/2025/11 dated 29 January 2025 and Regulation 16A of the SEBI (Intermediaries) Regulations 2012 (as amended August 2024), we do not have any direct or indirect monetary or non-monetary association with any person who provides advice, recommendations or implicit or explicit return claims on securities without SEBI registration.

Where we reference indices or securities for educational purposes, we use price data with a lag of at least three months in accordance with the said circular.

8. AMC marketing material

Any AMC name, logo or scheme-specific marketing material reproduced on finset.in is reproduced only with the prior written approval of the AMC concerned, in accordance with Clause 4(k) of the AMFI Code of Conduct for Mutual Fund Distributors (April 2022).

9. Privacy

We process subscriber email addresses solely to deliver this newsletter and related communications. For our full data practices, retention periods and your rights under the Digital Personal Data Protection Act 2023, see finset.in/privacy.

10. Grievances

• Mutual fund grievances. SEBI SCORES at scores.sebi.gov.in.
• Distributor service complaints. [email protected].
• Insurance grievances. Contact PolicyBazaar's grievance officer via policybazaar.com. IRDAI Bima Bharosa at bimabharosa.irdai.gov.in, 155255 or 1800-4254-732.

Statutory references on this page are to the AMFI Code of Conduct for Mutual Fund Distributors (April 2022), the SEBI (Intermediaries) Regulations 2012, SEBI Circular 2025/11 dated 29 January 2025 and the IRDAI (Insurance Brokers) Regulations 2018. Where any of these conflict with this page, the regulation prevails.