Terms of Service
Last updated: 29th October 2026
These Terms of Service (“Terms”) govern your use of portfoliocube.in and portfoliocube.in/blog (together, the “Site”), operated by Nawneet Kumar Panjiyar, an AMFI Registered Mutual Fund Distributor (ARN 303470). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. Nature of Services
Nawneet Kumar Panjiyar operates as a Mutual Fund Distributor registered with the Association of Mutual Funds in India (AMFI) under ARN 303470. Services facilitated through this Site relate to the distribution of mutual fund schemes and do not constitute investment advisory services under SEBI’s Investment Adviser regulations.
Nothing on this Site — including blog content, articles, or any information, calculation, report or download provided through the Site’s tools, calculators or contact form — constitutes personalized investment advice, a recommendation to buy or sell any security, or a guarantee of returns. Investment decisions should be made after reviewing scheme-related documents and, where appropriate, in consultation with a qualified financial adviser.
2. Investment Risk Disclosure
Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. Nothing on this Site guarantees any specific investment outcome, return, or performance.
3. Content and Intellectual Property
All content on this Site — including text, graphics, logos, and the PortfolioCube brand mark — is owned by Nawneet Kumar Panjiyar unless otherwise credited and is provided for general informational purposes only. You may share or link to our content with proper attribution, but may not reproduce, republish, or repurpose substantial portions of it for commercial use without prior written permission.
4. Tools, Calculators and Reports
The Site offers tools and calculators (including NAV and index look-ups, mutual fund analysis and comparison, SIP back-testing, and planning calculators) that present results using historical data. Historical data is sourced from third parties, including AMFI, NSE Indices and BSE, and we do not guarantee its accuracy, completeness or timeliness. Results are illustrations based on past data and the assumptions you enter; they are not forecasts, projections or personalised investment advice, and past performance is not indicative of future returns.
Before downloading a PDF report or CSV file (or, on the Risk Profiling tool, before starting the assessment), you will be asked for your Name and Email Address and to confirm that you agree to these Terms and our Privacy Policy. You agree to provide a correct email address that belongs to you. We use these details as described in our Privacy Policy. By ticking the checkbox you also agree to receive PortfolioCube updates by email (new tools, articles, market updates and mutual fund related information); you can unsubscribe at any time using the link in every email.
5. Blog Comments and User Conduct
If you leave a comment on our blog, you agree not to post content that is unlawful, defamatory, abusive, spam, or that promotes any product, service, or scheme unrelated to genuine discussion of the post. We reserve the right to moderate, edit, or remove any comment at our sole discretion, without notice.
You are solely responsible for the accuracy and legality of any content you submit through comments or the contact form.
6. Third-Party Links and Services
This Site may contain links to third-party websites or use third-party services (including Web3Forms for contact form processing and report-download notifications, MailPoet for mailing list delivery, Hostinger for web hosting and email delivery, and Google Analytics for site usage data) as described in our Privacy Policy. We are not responsible for the content, accuracy, or practices of any third-party website or service linked from this Site. Data displayed in our tools is sourced from third parties such as AMFI, NSE Indices and BSE and remains subject to their terms.
7. No Warranty
This Site and its content are provided “as is” without warranties of any kind, express or implied. While we aim for accuracy, we do not guarantee that content on this Site is complete, current, or error-free. Market conditions, tax laws, and fund details referenced in blog content may change after publication. Results produced by the Site’s tools and calculators depend on historical data and the inputs you provide, and may contain errors or omissions.
8. Limitation of Liability
To the fullest extent permitted by law, Nawneet Kumar Panjiyar shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of, or inability to use, this Site, or from any investment decision made based on information found on this Site.
9. Regulatory Compliance
As an AMFI Registered Mutual Fund Distributor, all mutual fund distribution activities are conducted in accordance with applicable SEBI and AMFI regulations. This Site does not offer services that fall outside the scope of a registered Mutual Fund Distributor.
10. Changes to These Terms
We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms. The “Last updated” date above reflects the most recent revision.
11. Governing Law
These Terms are governed by the laws of India. Any disputes arising from use of this Site shall be subject to the jurisdiction of the courts in Bengaluru.
12. Contact Us
For questions about these Terms, contact:
Nawneet Kumar Panjiyar
Email: contact@portfoliocube.in
ARN 303470, AMFI Registered Mutual Fund Distributor