Terms of Service

1. Acceptance of Terms

By accessing and navigating this website, you agree to comply with and be bound by the terms and conditions outlined herein. If you do not agree with any part of these terms, please discontinue using this site.

2. No Financial Advice or Client Relationship

Content on this website, including discussions on Nirav Panchmatia Podcast, television appearances on CNBC / Bloomberg, or keynote summaries, does not constitute individualized investment, tax, legal, or financial advice. Accessing this material or submitting an enquiry does not establish a contractual or fiduciary engagement.

Any formal wealth management or mutual fund distribution services are governed exclusively by separate, customized contractual agreements with registered entities.

3. Intellectual Property Rights

All original content, branding, logos, speech outlines, podcast recordings, articles, and graphic assets on this website are the intellectual property of Nirav Panchmatia and associated entities, protected under applicable copyright and trademark laws.

You may not reproduce, distribute, modify, or broadcast any material from this site for commercial purposes without prior written authorization.

4. External Links & Media Embeds

This website contains links and embeds to external third-party platforms (such as YouTube, CNBC Awaaz, Bloomberg Quint, LinkedIn, Spotify, and X). We do not control or endorse the content or policies of these external platforms and are not responsible for their availability or privacy practices.

5. Limitation of Liability

In no event shall Nirav Panchmatia, AUM Financials, or their representatives be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use information provided on this platform.

6. Enquiries & Governance

These terms are governed by the laws of India. For any questions concerning these terms or copyright permissions, please reach out to: