Disclosures

NobleWealth is licensed by the following Indian regulators:

• AMFI — Registered Mutual Fund Distributor under AMFI Registration Number (ARN) shown in the document header.
• IRDAI — Licensed insurance intermediary (Cert. No. shown in the document header).
• NISM — Certified personnel under the NISM Series V-A: Mutual Fund Distributors examination.

We are empanelled with all major Asset Management Companies (AMCs) in India and with leading life, health, and general insurance companies. We are not affiliated with any single AMC or insurer in a manner that compromises our independence in product recommendations.

Investors pay zero direct fees to NobleWealth. Our entire revenue model rests on third-party commission from product manufacturers, fully disclosed below:

• Mutual Funds — trail commission (typically 0.10%–1.25% p.a. of AUM) paid by AMCs on Regular plans, as per the scheme's disclosed Total Expense Ratio (TER).
• Insurance — first-year and renewal commissions as per IRDAI commission caps for the product category (term, ULIP, endowment, health, motor).
• PMS / AIF / SIF — variable distributor commission, fully disclosed at the point of subscription.
• NPS — POP charges as per PFRDA norms, plus any contribution-based commission.

The following are inherent or potential conflicts in our business model. We disclose them upfront:

• We earn more on higher-AUM products than on small folios. We mitigate this by recommending products based on documented suitability scores, not commission size.
• Different AMCs offer different commission rates. We do not preferentially recommend higher-paying AMCs; our product short-list is built on long-term risk-adjusted returns, AMC governance, and category fit.
• We may participate in AMC-organised training, seminars, or awareness programs. These do not create any obligation to promote that AMC's products.
• We have no proprietary investment vehicles, no in-house funds, and no equity stake in any AMC, insurer, or PMS provider.

PMS, SIF, AIF, and other market-linked products are intended for sophisticated investors with higher risk tolerance and minimum-investment thresholds. NobleWealth does not guarantee any returns. All advisory is non-binding; final investment decisions rest with the investor.

Your investments are protected by these regulatory safeguards:

• Mutual fund units are held in your folio with the AMC's RTA (CAMS or KFintech), never with us.
• Insurance policies are issued in your name by the insurer, never in our name.
• Demat holdings sit with CDSL/NSDL under your BO ID.
• You may change your distributor of record (ARN) at any time via a one-page form to the AMC.
• NSE's Investor Protection Fund and SEBI Investor Protection Fund cover defaults in specified scenarios.

You never write a cheque to NobleWealth. Mutual fund payments go directly to AMC bank accounts via NSE NMF II / BSE StAR MF. Insurance premiums go to the insurer's collection account. Your money never sits in NobleWealth's account.

If our service falls short, please escalate as follows:

1. Customer Service — write to the email in the document footer; expect resolution within 7 working days.
2. Compliance / Grievance Officer — escalate to the same channel with subject “Grievance”; expect resolution within 15 working days.
3. External regulators — if still unresolved:
   • SEBI SCORES — scores.sebi.gov.in
   • IRDAI Bima Bharosa — bimabharosa.irdai.gov.in
   • AMFI — amfiindia.com
   • PFRDA (for NPS) — CRA grievance portal

Information about taxation of investments is provided for general guidance only. Tax rules change with each Union Budget. NobleWealth is not a chartered accountant or tax advisor. For personalised tax planning, please consult a qualified CA or tax practitioner.

Every investment recommendation we provide is preceded by a risk-profile assessment that considers your age, income, dependents, time horizon, financial goals, and capacity for loss. We refresh your risk profile annually or whenever you flag a material life change (marriage, child, retirement, job loss, inheritance).

You may opt out of advisory and place execution-only orders. In such cases, you confirm that you accept full responsibility for product selection and outcome.

We update this document whenever regulators change disclosure requirements or our internal policies are revised. Material changes are communicated by email to registered investors. The “Last updated” date in the document header always reflects the current version.