Please read these documents carefully before using our website or engaging with our services. These policies govern your use of Novartha Capital's platform and communications.
These Terms and Conditions govern your access to and use of the Novartha Capital website, communications, and services. By accessing this website or engaging with our services, you agree to be bound by these terms.
Novartha Capital is a mutual fund distribution firm operated by Ankit Mehta and Arpita Mehta, registered with the Association of Mutual Funds in India (AMFI) as a Mutual Fund Distributor. We provide financial education, goal-based planning guidance, and mutual fund distribution services to individuals and families.
Novartha Capital is not a SEBI Registered Investment Advisor (RIA). The services and content provided by us constitute distribution and financial education, not personalised investment advice as defined under SEBI regulations.
"AMFI Registration is held as Mutual Fund Distributor only. Novartha Capital does not hold SEBI RIA registration and does not provide SEBI-regulated investment advisory services."
By visiting this website, downloading our resources, using our calculators, filling in our forms, or communicating with us via WhatsApp or any other channel, you confirm that you:
If you do not agree with any part of these terms, please discontinue use of the website immediately.
Novartha Capital provides the following services:
You may access and use this website for personal, non-commercial purposes, subject to these terms. You agree not to:
The financial calculators available on this website are provided solely for illustrative and educational purposes. They use simplified mathematical assumptions and do not account for all variables that may affect actual investment outcomes.
"Mutual fund investments are subject to market risks. Past performance is not indicative of future results. Calculator projections are illustrative only."
As a user of this website and our services, you are responsible for:
All content on this website — including text, graphics, logos, the Novartha Capital brand name, financial guides, calculator designs, and page layouts — is the intellectual property of Novartha Capital and is protected by applicable Indian and international copyright laws.
You may not reproduce, republish, modify, or distribute any content from this website for commercial purposes without our express written permission.
To the maximum extent permitted by applicable law, Novartha Capital, its principals, employees, and associates shall not be liable for:
Your use of this website and engagement with our services is entirely at your own risk.
This website may contain links to third-party websites, platforms, or services (such as mutual fund portals, AMC websites, or regulatory resources). These links are provided for convenience only. Novartha Capital does not control, endorse, or assume any responsibility for the content, accuracy, or practices of any third-party website.
These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in Ahmedabad, Gujarat, India.
Novartha Capital reserves the right to modify, update, or revise these Terms and Conditions at any time without prior notice. The most current version will always be available on this page, with the effective date updated accordingly. Your continued use of the website following any changes constitutes your acceptance of the revised terms.
If you have any questions, concerns, or queries regarding these Terms and Conditions, please reach out to us:
Email: [email protected]
AMFI Registered Mutual Fund Distributor
Gujarat, India
At Novartha Capital, we respect your privacy and are committed to protecting your personal information. This policy explains what data we collect, how we use it, and your rights over your information.
We collect information that you voluntarily provide to us when you:
We do not collect sensitive financial data, bank account details, or investment portfolio information through this website.
The information we collect is used solely for the following purposes:
Novartha Capital uses WhatsApp as a primary communication channel. When you contact us via WhatsApp or provide your WhatsApp number through our forms, please be aware that:
We do not share your personal information with third parties except in the following limited circumstances:
In all cases, we share only the minimum information necessary for the stated purpose.
We take reasonable technical and organisational measures to protect your personal information against unauthorised access, disclosure, alteration, or destruction. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.
We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable laws and AMFI regulations.
Our website may use cookies and similar tracking technologies to improve your browsing experience and understand how visitors use our site. Cookies are small text files stored on your device. You may configure your browser to refuse cookies, though this may affect some website functionality.
We may use analytics tools to understand website traffic patterns and improve our content. These tools may collect anonymised usage data and do not identify you personally.
You have the following rights regarding your personal information held by us:
To exercise any of these rights, please contact us at [email protected] or via WhatsApp.
Our website and services are intended for adults (18 years and above). We do not knowingly collect personal information from children under 18. If you believe a minor has provided us with their personal information, please contact us immediately and we will take steps to delete it.
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. The updated version will be posted on this page with the effective date. We encourage you to review this policy periodically.
For any privacy-related questions or to exercise your rights, please contact us:
Email: [email protected]
AMFI Registered Mutual Fund Distributor
Gujarat, India
Please read this disclaimer carefully. It sets out important limitations and disclosures regarding the nature of Novartha Capital's services and the information provided on this website.
Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. The value of investments and the income from them can go down as well as up. Past performance is not indicative of future results.
Novartha Capital is an AMFI Registered Mutual Fund Distributor. We are not a SEBI Registered Investment Advisor (RIA). The information, guidance, and resources provided by us do not constitute investment advice as defined under the SEBI (Investment Advisers) Regulations, 2013.
Investors are advised to seek advice from a SEBI Registered Investment Advisor before making investment decisions, particularly for large or complex investment requirements.
All content on this website — including articles, guides, blog posts, calculator results, and educational materials — is provided for general informational and educational purposes only. Nothing on this website should be construed as:
Each investor's financial situation, risk tolerance, and investment horizon is unique. What may be appropriate for one investor may not be suitable for another. You should always conduct your own due diligence and consult appropriate professional advisors.
Novartha Capital earns distributor commissions from Asset Management Companies (AMCs) when investors purchase mutual fund schemes through us. These commissions are paid by the AMC and are disclosed in the scheme information documents.
While we strive to provide objective and client-centric guidance, investors should be aware of this compensation structure. We are committed to recommending only schemes that are suitable for the investor's stated goals and risk profile, without being influenced by commission structures.
The financial calculators and projection tools on this website use simplified mathematical models to illustrate potential investment outcomes. These projections:
"Projections, illustrations, and worked examples on this website are for educational purposes only. Actual investment outcomes will differ. No returns are guaranteed."
This website may reference or link to information from third-party sources, regulatory bodies, and market data providers. While we endeavour to ensure the accuracy of information presented, we cannot verify or guarantee the accuracy, completeness, or timeliness of third-party information. Novartha Capital accepts no liability for any errors or omissions in third-party content.
References to historical data, market statistics, or performance figures sourced from external parties are reproduced in good faith for educational purposes only.
All investments carry risk. By using this website and engaging with Novartha Capital's services, you acknowledge and accept that:
We strongly recommend that investors read the Key Information Memorandum (KIM) and Scheme Information Document (SID) of any mutual fund scheme before investing.
Novartha Capital, its principals, employees, distributors, and associates shall not be held responsible or liable for any financial loss, damage, or adverse outcome arising from:
Your engagement with Novartha Capital and your investment decisions are made at your own informed discretion and risk.
If you have any questions about this disclaimer or would like to understand more about our services, compensation structure, or the nature of our engagement, please reach out:
Email: [email protected]
AMFI Registered Mutual Fund Distributor
Gujarat, India