1. Disclaimer

Money At Work is a financial services platform providing information and guidance related to stock broking, mutual funds, and insurance. All content provided on this website, including articles, videos, tools, and calculators, is for educational and informational purposes only.

Money At Work does not guarantee returns, profits, or performance of any financial product. Investments in securities and mutual funds are subject to market risks. Read all scheme-related documents carefully before investing.

Past performance is not indicative of future returns. Any examples, illustrations, or recommendations mentioned are hypothetical and should not be treated as investment advice.

Money At Work, its founders, and employees shall not be responsible for any financial loss, decision, or action taken by users based on information available on this website.

2. Terms & Conditions

By accessing Money At Work, you agree to the following terms:

Use of Website

• You must be at least 18 years old to use this platform.
• You agree not to misuse the website or engage in unlawful activities.

No Financial Advice

• Information on this website does not constitute investment, tax, or legal advice.
• Always consult a registered financial advisor before making investment decisions.

Third-Party Services

• Money At Work may work with SEBI-registered intermediaries, AMCs, and IRDAI-licensed insurance partners.
• We do not guarantee the services, accuracy, or performance of third-party platforms.

Limitation of Liability

Money At Work is not liable for:

• losses due to market fluctuations,
• inaccuracies in third-party data,
• technical failures or downtime.

Modification of Terms

We may update or change these terms at any time. Users are encouraged to check periodically.

3. Privacy Policy

Money At Work respects your privacy and is committed to protecting your personal data.

What We Collect

We may collect:

• Name, email, phone number,
• Basic financial details voluntarily shared by you,
• Website usage data (cookies, analytics).

How We Use Your Data

• To provide financial services and guidance,
• To improve website experience,
• To send relevant updates or notifications (only with consent),
• To comply with regulatory requirements.

Data Protection

We follow industry-standard data security measures. However, we cannot guarantee absolute security of data transmitted online.

Sharing of Information

We do not sell or trade personal data. Information may be shared only with:

• SEBI-registered partners,
• IRDAI-licensed insurance partners,
• Technology and analytics service providers.

Cookies

We use cookies to enhance user experience. You can disable cookies but certain features may not function properly.

Your Rights

You may request:

• Data access,
• Correction,
• Deletion,
• Withdrawal of consent.

4. Mandatory Disclosures

Money At Work operates as an information and facilitation platform in association with registered market intermediaries.

Stock Market Disclosure

• Investments in equity are subject to high market risks.
• Stock prices can fluctuate based on market conditions.
• Users should understand risk levels before investing.

Mutual Fund Disclosure

• Mutual fund investments are subject to market risks.
• Read all scheme-related documents carefully.
• NAVs may go up or down depending on market performance.

Insurance Disclosure

• Insurance is the subject matter of solicitation.
• Benefits and features vary based on product chosen.
• Kindly refer to policy wording for complete details.

Conflict of Interest

Money At Work may receive commissions, fees, or referral benefits from third-party partners, AMCs, brokers, or insurers. These do not influence the information or guidance provided.

No Guaranteed Returns

Money At Work does not guarantee any fixed, assured, or minimum rate of return from stocks, mutual funds, or insurance-linked instruments.

5. Risk Disclosure Statement

Money At Work provides financial education, guidance, and facilitation through registered intermediaries. By using our platform, you acknowledge and understand the following risks:

Market Risk

Investments in equity, derivatives, mutual funds, ETFs, and market-linked instruments are subject to market volatility. Prices can rise or fall based on economic, political, and global factors.

No Guaranteed Returns

Stock market and mutual fund returns are not assured. Past performance does not guarantee future results. Money At Work does not offer fixed or guaranteed returns of any kind.

Principal Risk

There is a possibility of losing part or all of your invested capital, especially in equity and high-risk products.

Product-Specific Risks

• Stocks/Equity: High volatility, concentration risk, liquidity risk.
• Mutual Funds: Market risk, interest rate risk (debt funds), credit risk, liquidity risk.
• Insurance: Benefits depend on policy terms; ULIPs carry market risk.
• Derivatives (if applicable): Highly leveraged instruments; risk of substantial loss.

Stock Broking Disclosure

Money At Work may partner with SEBI-registered stock brokers to provide execution services. Trading and investing through stock markets involves significant risk. Margin trading, F&O, intraday, and leveraged positions magnify both profits and losses.

Users should assess their risk appetite, financial situation, and investment horizon before trading or investing. Always review broker-specific risk disclosure documents.

Operational & Technical Risk

System failures, connectivity issues, server delays, third-party API errors, or downtime may impact execution or access to information. Money At Work is not responsible for losses arising from such disruptions.

User Responsibility

All investment decisions taken by the user are their own. Money At Work, its founders, and its employees are not responsible for losses incurred due to market movements or user decisions.

6. Broker-Specific RDD (Risk Disclosure Document) Summary

Money At Work collaborates with SEBI-registered stockbrokers to provide execution and trading services. Below is a simplified summary of the mandatory Risk Disclosure Document (RDD) prescribed by SEBI:

Key Points of the RDD

• The stock market is inherently risky. Prices of securities may fluctuate dramatically at any point.
• There is a possibility of losing part or entire capital invested, especially in leveraged products such as intraday, margin, and derivatives.
• Online trading systems may be subject to technical failures, Internet issues, or latency.
• Orders may be rejected, delayed, or only partially executed due to market conditions.
• Investors should carefully read all broker-specific policies, rights, and obligations.

Money At Work does not execute trades directly and is not a SEBI-registered intermediary. All transactions are facilitated through licensed entities only.

7. Investor Rights & Obligations

As an investor using Money At Work through partner brokers and financial institutions, you are entitled to the following rights and responsibilities:

Investor Rights

• Right to receive clear and transparent information about products and associated risks.
• Right to receive contract notes, statements, and relevant documentation from the registered broker.
• Right to fair treatment without mis-selling or coercion.
• Right to raise grievances with the concerned broker, SEBI SCORES platform, AMC, or IRDAI.
• Right to confidentiality and responsible handling of personal data.

Investor Obligations

• Provide accurate personal and financial information.
• Understand the risk profile of any product before investing.
• Ensure timely KYC compliance.
• Maintain confidentiality of login credentials and trading passwords.
• Regularly review investment statements and report any discrepancies.

8. SEBI/IRDAI-Required Policies

Although Money At Work itself is not SEBI-registered, we follow high-standard compliance protocols and work only with regulated intermediaries. The following policies align with SEBI/IRDAI guidelines:

A. Grievance Redressal Policy

• Users can submit complaints through our support channel.
• Complaints related to transactions must be escalated to the respective SEBI-registered broker, AMC, or IRDAI-licensed insurer.
• If unresolved, users may escalate to SEBI SCORES or IRDAI Grievance Cell.

B. Cyber Security & Data Safety Policy

• We use encryption and secure servers to protect user data.
• No financial transactions are executed directly on Money At Work.
• Sensitive information is not stored without consent.

C. Commission / Brokerage Disclosure

• Money At Work may receive referral fees, commissions, or revenue-sharing from AMCs, brokers, and insurers.
• This does not influence our educational content or guidance.

D. Product Suitability Guidelines

• Recommendations are not provided; we offer learning-based guidance.
• Actual investment suitability assessments are handled by the partner broker/advisor.

E. Mis-Selling Prevention Policy

• No guaranteed returns are promised.
• No unrealistic expectations are created.
• Users are encouraged to learn before investing.

9. SEBI / IRDAI Compliance Wording

Money At Work operates as an independent financial learning and facilitation platform. We are not registered with SEBI or IRDAI and do not act as a broker, investment advisor, portfolio manager, analyst, or insurance agent. All regulated activities—including execution, advisory, distribution, and underwriting— are carried out exclusively through our partner entities who are duly registered under SEBI, IRDAI, or AMFI.

Compliance Statements

• All investment, mutual fund, and insurance products are offered only through authorised, compliant, and licensed partners.
• Money At Work provides education and awareness, not stock tips, forecasts, or personalised investment recommendations.
• We do not solicit, guarantee, or influence purchase decisions. Users are encouraged to independently verify risk factors.
• Information offered is general and should not be considered financial advice.

10. Additional Compliance for Stock Broking, Mutual Funds, Insurance & Financial Learning

A. Stock Broking Compliance

• All stock market transactions will be executed only through SEBI-registered stock brokers.
• Mandatory documents including RDD, Rights & Obligations, and Policies of Stock Brokers must be read and accepted by users.
• Money At Work does not provide intraday calls, F&O tips, target prices, or guaranteed-return offerings.

B. Mutual Fund Compliance

• Mutual Fund investments are made only through AMFI-registered entities.
• Scheme Information Document (SID), Key Information Memorandum (KIM), and Addendums must be read carefully.
• Money At Work does not influence fund choice but only educates users about categories and risk profiles.

C. Insurance Compliance

• Insurance is subject matter of solicitation.
• All sales and servicing are performed by IRDAI-licensed individuals/entities.
• Policy features, premiums, exclusions, and benefits are subject to product documentation.

D. Financial Learning Compliance

• Educational content is neutral, unbiased, and does not promise results.
• Training modules do not constitute advisory or market predictions.
• Users are responsible for their own investment decisions.

11. Where to Add Company Registration Numbers

Whenever you’re ready, share the following:

• GST Number
• CIN / LLPIN
• ARN (if any)
• IRDAI Partner Code (if applicable)
• AMFI Registration (of partners)
• Broker Partner Registration Numbers (SEBI, NSE, BSE, MCX, etc.)

These details will be inserted neatly under the section labelled “Company Registration & Regulatory Details.”

12. Contact Information

Contact email: info@moneyatwork.in
Phone number: +91 9825466012
Office address: G/H/1, Trade Center, Navrangpura, Ahmedabad-380009

13. Company Registration Details

Company Name: Money At Work

Registered Address: G/H/1, Trade Center, Navrangpura, Ahmedabad-380009

14. Risk Disclosure

• Investments in equities, derivatives, mutual funds, and market-linked instruments are subject to market risks.
  Prices may fluctuate, and capital loss is possible.
• Insurance benefits depend on the policy chosen; premiums, exclusions, and coverage vary.
• Past performance is not indicative of future results.
• Users must assess their risk appetite and financial situation before investing or purchasing insurance.

15. User Responsibility & Liability

• All investment, trading, and insurance decisions are made by the user.
• Money At Work and I shall not be liable for any loss or damage, direct or indirect, arising from investment or insurance decisions.
• Users are encouraged to independently verify any information provided and consult with a licensed professional if needed.