Disclaimer & Disclosures
Effective: 4 July 2026 · applies to everything on mindmoneymagic.com and our social channels
1. Education, not advice
Everything published on this website, in our emails, in the members area, and on our Instagram and YouTube channels — essays, reels, templates, calculators, the daily build-along, and community discussions — is general educational content. It is not investment advice, insurance advice, tax advice, legal advice, or a personalised recommendation of any kind. Nothing here considers your specific financial situation, goals, or risk tolerance.
We are not a SEBI-registered Investment Adviser (RIA) or Research Analyst. Membership fees paid on this site are for access to educational content, tools, templates, and community features only — they are not fees for investment advisory services.
Before acting on anything you learn here, consider consulting a SEBI-registered Investment Adviser or another qualified professional who can assess your individual circumstances.
2. Distribution disclosures (how we may earn)
The creator of MindMoneyMagic is a NISM-certified, AMFI-registered Mutual Fund Distributor — AMFI Registration No. ARN-248659, EUIN E461328 — and an IRDAI-registered individual insurance agent, currently appointed (in force) with:
- Birla Sun Life (Life insurance) — Agency Code BSLZU0030
- Care Health Insurance Limited (Health insurance) — Agency Code RLH20616657
- HDFC ERGO General Insurance Company Ltd (Non-Life / General insurance) — Agency Code HCG231015190450
As an insurance agent we represent the above insurers for their respective lines of business. Verification of any registration is available on request at hello@mindmoneymagic.com.
Where this site links you to invest in mutual funds or purchase insurance (for example, through our distribution partner platform Nivesh), please understand clearly:
- We may earn commission (including trail commission on regular mutual fund plans, or insurance commission) when you transact through those links. This is how distribution works, and we'd rather say it plainly.
- Direct plans of mutual funds are available to every investor without any distributor and carry a lower expense ratio. You are always free to invest directly instead.
- Transacting through our links is entirely optional and is never a condition of membership.
- Any product-related discussion in that context is incidental to distribution, not standalone advisory.
3. Market-risk statements
Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future returns.
Insurance is the subject matter of solicitation. Please read policy terms, conditions, and exclusions carefully before purchasing.
4. Illustrations are not promises
Figures used in our content — for example, "₹1,000/month at 12% for 15 years is roughly ₹5 lakh" — are illustrations at assumed rates of return, used to explain compounding. They are not guarantees, projections, or offers. Actual returns vary and can be negative.
5. Accuracy and liability
We work hard to verify every figure at the source, but content can become outdated and errors can occur. To the fullest extent permitted by law, MindMoneyMagic and its creator are not liable for any loss arising from decisions made on the basis of content on this site. Your money decisions are yours — that is, in fact, the whole philosophy of this brand.
6. Third-party links
Links to third-party platforms (including distribution platforms, YouTube, and Instagram) lead to services we don't control. Their terms and privacy practices apply once you're there.
7. Contact
Questions about any of the above: hello@mindmoneymagic.com.