Disclosures & Legal

By accessing or using the Investment DADA AI platform, including Portfolio Upload, Chat, and Personalization features, you acknowledge and agree to the following terms governing the use of AI-powered services provided by Plan Your Future.

• The AI tool is designed for educational and informational purposes only and does not constitute investment guidance, tax guidance, or insurance guidance.
• All AI-generated insights should be independently verified before making any financial decisions.
• The platform operator does not guarantee the accuracy, completeness, or timeliness of any AI-generated output.
• By using this platform, you confirm that you understand the risks associated with securities market investments and insurance products.

Koustav Biswas acts as an AMFI-registered Mutual Fund Distributor (ARN: ARN-299498, EUIN: E389902) and Registered Authorized Person (AP: AP0397299811) of NSE & BSE — NOT a SEBI Registered Investment Advisor (RIA). The 'Investment DADA AI' tool provides data-driven, rules-based, and AI-generated outputs based on publicly available data and does not constitute 'Investment Advice' as defined under SEBI (Investment Advisers) Regulations, 2013. Our role is strictly limited to the distribution, execution, and sale of financial products. For professional advice, please consult your registered human professional for the respective area.

• AMFI Registration Number (ARN): ARN-299498
• EUIN: E389902
• Mutual Fund investments are subject to market risks. Read all scheme-related documents (SID, SAI, KIM) carefully before investing.
• The distributor earns commission from the Asset Management Companies (AMCs) and does not charge any fees directly to the investor.

Koustav Biswas is a licensed Insurance Distributor registered with IRDA (License No: HDF01653347). Insurance is the subject matter of solicitation. All insurance products are underwritten by the respective insurance companies. The distributor does not underwrite or guarantee any insurance product. Please verify the terms, conditions, and exclusions of any insurance policy before purchasing. IRDAI is not involved in activities like selling insurance directly, announcing bonus, or investing premiums. Public receiving such phone calls are requested to lodge a police complaint.

• IRDA License No: HDF01653347
• Insurance is the subject matter of solicitation. For more details on risk factors, terms, conditions, and exclusions, please read the sales brochure/policy wording carefully before concluding a sale.
• Tax benefits are subject to changes in tax laws. Please consult your tax consultant for details.
• Beware of spurious/fraud phone calls. IRDAI does not involve in activities like selling insurance directly, announcing bonus, or investing premiums.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Brokerage will not exceed SEBI prescribed limits. Koustav Biswas is NOT a SEBI Registered Investment Advisor (RIA). All outputs are data-driven, rules-based, and AI-generated — not financial advice. For advice, consult your registered human professional.

• No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorize your bank to make payment in case of allotment.
• KYC is a one-time exercise while dealing in securities markets — once KYC is done through a SEBI-registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary.

• Consent: By using the Portfolio Upload or Chat features, you provide explicit and unambiguous consent for the system to process your data.
• Data Minimization: We only store the last 2 discussion summaries to provide context. No PII (Personally Identifiable Information) or portfolio files are stored on our servers permanently without additional consent.
• Right to Erasure: Users may request the immediate deletion of their contact details and discussion history at any time via the 'Sync Status' settings.

Disclaimer: All content on this platform is purely data-driven, rules-based, and AI-generated. It does not constitute investment advice, tax advice, insurance advice, or a signal to buy/sell any security. Investing in the securities market carries inherent risks. Please read all relevant scheme-related documents, KIM, SID, and risk factors carefully before making any investment decisions. Past performance is not indicative of future results. For professional advice, please consult your registered human professional for the respective area. Koustav Biswas is a Registered Authorized Person (AP) of NSE & BSE, AMFI-registered Mutual Fund Distributor, and IRDA-licensed Insurance Distributor — NOT a SEBI Registered Investment Advisor (RIA). Our remuneration comes from commissions or brokerage fees paid by product companies. We do not charge additional fees for our value-added services. Our role is limited to plan making, data insight discussion, and assisting with the execution and sale of financial products. The customer is solely responsible for their own investment decisions. Registration granted by SEBI, AMFI, IRDA, NSE, or BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. I/We am/are acting as an AMFI-registered Mutual Fund Distributor and Authorized Person — NOT a SEBI Registered Investment Advisor (RIA). I/We do NOT provide investment advice as defined under SEBI (Investment Advisers) Regulations, 2013.

• Market Risk: AI models are trained on historical data. Past performance, even when analyzed by AI, is not a guarantee of future results.
• Model Lag: While we use a "Forced Cache Removal" strategy, real-time data from sources like Yahoo Finance or NSE may have a latency of 1–15 minutes.
• Algorithmic Bias: The AI may reflect biases inherent in the data used for its training. We perform periodic audits to ensure fairness and accuracy.
• AI models may produce inaccurate or incomplete outputs. All generated insights should be independently verified before making financial decisions.
• AI cannot account for sudden geopolitical events, regulatory changes, or black-swan market conditions.
• Personalized analysis is based on user-provided data; incomplete or inaccurate inputs will affect the quality of results.
• The AI does not have access to your complete financial profile (liabilities, insurance, tax filing status) unless explicitly provided.

• The Financial Agent chat operates on a zero-retention architecture. All conversations are stored in browser session storage and are wiped on page refresh.
• Portfolio files uploaded for analysis are processed client-side and are never stored on our servers. Data is discarded immediately after the analysis is displayed.
• If you opt into personalization, only your name, email, phone, and the last 2 consultation summaries are stored to improve future sessions. You may use the platform in Guest Mode to avoid any data storage.
• For full details, please refer to our Privacy Policy.