Legal
Disclaimer
Last updated: June 2026
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. There is no guarantee or assurance of returns.
Insurance is the subject matter of solicitation. Please read the policy terms, exclusions, and benefit illustration carefully before purchasing any insurance product.
Stock market investments are subject to market risks. Trading in equity and derivatives carries a risk of loss. Clients should not invest funds they cannot afford to lose.
1Who We Are — Distributor, Not Adviser
Crest Wealth is a mutual fund distributor registered with AMFI (ARN-363753), a POSP insurance distributor licensed under IRDAI (License No.: XXXXXX), and a stock broking Authorised Person registered with SEBI (Reg. No.: INZ000161534) through our registered partner platforms. Crest Wealth is not a SEBI-registered Investment Adviser (RIA) under the SEBI (Investment Advisers) Regulations, 2013 and does not provide personalised investment advice or portfolio management services.
2Mutual Funds — No Guaranteed Returns
Mutual fund units are distributed through our registered partner platforms. The NAV of units may increase or decrease based on market conditions. Crest Wealth makes no representation or warranty regarding the performance or returns of any mutual fund scheme. Investment decisions are solely the investor's responsibility. Investors are advised to consider their financial needs before investing.
3Stock Broking — Market Risk
Stock broking services are provided through our registered broking partner. Crest Wealth, as an Authorised Person, facilitates client onboarding and order placement but does not hold client funds, securities, or margin independently. All trades are executed on NSE/BSE through our partner's registered infrastructure. Crest Wealth is not responsible for trade execution delays, margin calls, risk-based square-offs, or losses arising from market movements or exchange actions.
4Insurance Distribution — POSP Channel
Crest Wealth distributes insurance products as a licensed Point of Sales Person (POSP) under IRDAI (License No.: XXXXXX) through our registered partner platform. Policy terms, premiums, coverage, exclusions, waiting periods, and claim procedures are governed by the respective insurer and may vary by product. Crest Wealth does not handle claim settlements — all claims are processed directly by the insurer. Customers are advised to read the policy document and benefit illustration carefully before purchase.
5Third-Party Platform Dependency
Transactions across all channels are executed on third-party regulated partner platforms. Crest Wealth does not independently operate these platforms and is not responsible for technical outages, NAV cut-off misses, trade execution failures, payment gateway errors, or data discrepancies originating from these platforms.
6No Tax or Legal Advice
Nothing on this platform constitutes tax, legal, or accounting advice. Tax treatment of mutual fund gains (STCG/LTCG), stock trading profits, insurance premiums (80C, 80D), and maturity proceeds depends on individual circumstances and applicable laws, which may change. Investors are encouraged to consult a qualified CA or tax adviser.
7Product Risk Summary
| Product | Category | Key Risk |
|---|---|---|
| Equity Mutual Funds | Mutual Fund | High market risk, capital loss possible |
| Debt Mutual Funds | Mutual Fund | Interest rate risk, credit/default risk |
| ELSS (Tax Saving) | Mutual Fund | Market risk + mandatory 3-year lock-in |
| Hybrid Funds | Mutual Fund | Moderate market and credit risk |
| Equity / F&O Trading | Stock Broking | High risk — leverage amplifies losses |
| IPO Applications | Stock Broking | Listing price may be below issue price |
| Term Insurance | Insurance (POSP) | No maturity benefit; coverage only |
| Health Insurance | Insurance (POSP) | Exclusions, waiting periods, sub-limits |
| ULIPs | Insurance (POSP) | Market risk + high initial charges |
8Regulatory Compliance
Crest Wealth operates in compliance with SEBI (Stock Brokers) Regulations 1992, SEBI (Mutual Funds) Regulations 1996, AMFI Guidelines, IRDAI (POSP) Guidelines, Prevention of Money Laundering Act (PMLA) 2002, and all other applicable Indian laws. KYC, CKYC, and AML norms are strictly followed across all channels.
Registered Details
Company
Crest Wealth
AMFI Registration
ARN-363753
Support Email
crestwealth.info@gmail.com
SEBI SCORES
scores.gov.in
IRDAI Bima Bharosa
bimabharosa.irdai.gov.in