Terms of Service & Disclaimers
Please read these terms and regulatory disclosures carefully before accessing our services or consulting with B4Wealth.
Effective Date: October 2024 • Last Updated: 2026
Mandatory Disclaimer: We are not a SEBI registered entity. Mutual fund investments are subject to market risks, read all scheme related documents carefully.
1. NON-SEBI REGISTERED STATUS: B4Wealth (One Stop Financial Solution, Advisor: Bhavin Prajapati) is NOT a SEBI-registered Investment Adviser (RIA) under SEBI (Investment Advisers) Regulations, 2013, and is NOT a SEBI-registered Research Analyst (RA) under SEBI (Research Analysts) Regulations, 2014.
2. AMFI & MUTUAL FUND DISTRIBUTION: Mutual fund facilitation services are conducted strictly in our capacity as an Association of MUTUAL FUND in INDIA Registered Advisor under ARN code:- 366736. We receive statutory distribution commission/brokerage directly from Asset Management Companies (AMCs) as per scheme regulations and AMFI guidelines.
3. INFORMATIONAL & EDUCATIONAL NATURE: All content, videos, market commentary, charts, case studies, and discussions presented on b4wealth.in or through consultation sessions are intended solely for general informative and financial literacy purposes. They do NOT constitute personalized investment advice or an individualized recommendation.
4. ABSOLUTELY NO GUARANTEED RETURNS: B4Wealth does NOT offer, promise, or assure any guaranteed returns, fixed profits, or risk-free market investments. Securities markets are inherently volatile. Investors risk losing part or all of their invested capital.
1. Agreement to Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "Client", or "You") and B4Wealth ("we", "us", or "One Stop Financial Solution"), governing your access to and use of our website (www.b4wealth.in) and our related consultation and referral services.
By accessing the website, scheduling an appointment, or contacting our team, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must discontinue use immediately.
2. Eligibility & Jurisdiction
You must be at least 18 years of age and legally competent to enter into a contract under the Indian Contract Act, 1872. Our services and website content are directed solely at residents of India or Non-Resident Indians (NRIs) eligible to invest under Foreign Exchange Management Act (FEMA) and Reserve Bank of India (RBI) guidelines. It is not intended for distribution to or use by any person in any jurisdiction where such distribution would contravene local laws or regulations.
3. Scope of Services & Intermediary Capacity
B4Wealth operates as an intermediary distributor, educator, and referral partner for institutional financial products:
Mutual Fund Distribution: We facilitate regular mutual fund investments through registered AMCs using authorized AMFI ARN credentials. Any investor choosing regular plans should note that distributor commissions are embedded in the scheme Expense Ratio as disclosed by AMCs.
Insurance Planning & Solicitation: Insurance products (Life, Health, General) are offered in association with IRDAI-licensed insurance companies and corporate partners. Insurance is the subject matter of solicitation.
Demat & Trading Accounts: We act as a partner/facilitator connecting clients with leading SEBI-registered Depository Participants (DPs) and stockbrokers. All trading execution, margin maintenance, and depository services are governed by the broker-client agreement of the respective broker.
No Discretionary Management: B4Wealth does not accept pooled funds, manage private portfolios discretionarily, or operate as a Portfolio Management Service (PMS) or Alternate Investment Fund (AIF).
4. Market Risk & Investment Disclaimer
Equity & Derivatives Risk: Trading and investing in stocks, equity indices, exchange-traded commodities, and derivatives (Futures & Options) carry significant risk of loss. SEBI study reveals that 9 out of 10 individual traders in equity F&O segment incurred net losses.
Client Responsibility: Every investment decision is made at your sole discretion, assessment, and risk. You are urged to independently evaluate scheme information documents (SID), Key Information Memoranda (KIM), and consult your chartered accountant or independent certified financial planner before deploying capital.
Zero Liability for Performance: B4Wealth and its representatives shall not be responsible or liable for any capital depreciation, losses, or missed opportunities arising from market fluctuations or executed trades.
5. Intellectual Property Rights
All materials on this website—including the B4Wealth name, golden bull emblem, logos, graphics, instructional videos, text, UI elements, and source code—are the intellectual property of B4Wealth and its proprietors, protected by Indian and international trademark and copyright laws. No material may be copied, reproduced, republished, downloaded, posted, or distributed without prior written consent.
6. User Conduct & Prohibited Uses
When interacting with our website and advisory channels, you agree not to:
- Submit fraudulent, forged, or unauthorized KYC documents or impersonate another individual.
- Use automated bots, scrapers, or scripts to harvest data or compromise website security.
- Transmit any unlawful, defamatory, abusive, or malicious code through consultation forms.
- Attempt to reverse-engineer or disrupt server connectivity or database operations.
7. Limitation of Liability
To the maximum extent permitted under applicable law, B4Wealth, its founder, employees, and associates shall not be liable for any direct, indirect, punitive, incidental, special, or consequential damages resulting from (a) the use or inability to use this site; (b) delays in opening accounts or processing mutual fund applications by third-party AMCs or exchanges; (c) technical glitches, server downtime, or cyber security breaches beyond reasonable commercial control.
8. Third-Party Links & Endorsements
Our website may contain links to external portals (such as stockbrokers, AMCs, payment gateways, or regulatory portals like SEBI, AMFI, and IRDAI). We do not control or endorse the privacy practices or operational integrity of third-party platforms. Accessing third-party sites is at your own risk.
9. Governing Law & Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the Republic of India. Any claim, controversy, or dispute arising out of or in connection with these Terms or the services shall be subject to the exclusive jurisdiction of the competent courts in Vadodara, Gujarat, India.
10. Contact & Compliance Inquiries
For any clarifications regarding our Terms of Service, ARN disclosures, or regulatory status, please reach out directly:
B4Wealth (One Stop Financial Solution)
Head Office: Manjalpur, Vadodara, Gujarat, India
Compliance Contact: bhavin4wealth@gmail.com
Customer Support: +91 8905183232