Unlike the US and other western countries that have imposed strict rules that govern financial bloggers, India is just getting started off on such regulations with the SEBI wanting financial bloggers (especially who sell stock recommendations) to get registered with itself.
Also, there are no clear cut rules on disclosures that financial bloggers and Internet marketers have to follow in India. But I believe it’s important to disclose stuff that clearly outlines your relationship with readers, customers, and advertisers.
Not just with a view to prepare myself, I’ve created the following disclosure policy that will help you understand where I come from and what you must expect/not expect from everything I do on Safal Niveshak.
Now, this is where I am supposed to put all of that legal disclosure jargon, right? Nah! How about some easy to understand language that actually makes sense?
Let’s get started with my disclosure for Safal Niveshak (the site).
Safal Niveshak’s Disclosure Policy
I. Short Version
Boss, it’s your money and you alone are responsible for what you do with it using what you read here or outside. So be sensible, invest wisely, and please don’t blame me for any losses you incur after reading this site.
II. Long Version
Purpose: This site is purely for the purpose of teaching its readers on stock market investing, and occasionally on personal finance and life. But then, a wise man said, “Those who can, do; those who can’t, teach.” So, beware of what you read here, because I teach.
Blog Posts: I do not write blog posts to generate revenue. In other words, no one can pay me to create a post for their product or service. That is just unpleasant and there is enough of that going on in the industry already without having me do it too.
Also, the blog posts you read on the site express my personal opinions and the opinions of other contributors. A contributor’s opinion is his/her opinion, mine opinion is mine…makes sense?
Premium Content: Here is what helps me run my house and also save money – premium content, which includes Mastermind online course, Value Investing Almanack newsletter, and Art of Investing workshops.
I don’t hard-sell any of this stuff. Whenever you see me talking about the benefits you can derive from any of these and if you are not interested, simply close your email or browser. But please don’t unsubscribe in haste from my free newsletter! I send a lot of valuable stuff apart from few reminders for subscribing to my premium content.
As far as my reminder emails are concerned (“last day to sign up”, “few hours left” etc.), please note that I hate to send them. But then, most of us wait on the sidelines till the last day, and then want to join after the deadline date. So please bear with me for such reminder emails. My intention is not to harass you.
Finally, if you have a complaint that I should not be charging money for my content because you think everything is available for free on the Internet, the best thing for you to do is to stop reading my work and search everything that’s available for free on the Internet. We live in a free country, you see.
The work I do is what I am passionate about. But who said passion should not help you earn money? I have bills just like you. Thank you for understanding!
Affiliate Links: The only other way I get paid (peanuts) through this site is when you buy a book (or anything you don’t need) through an Amazon link I share deliberately with my honest book recommendations (I only recommend what I personally buy). I give away 100% of that money for the betterment of underprivileged, people unlike you and me. So see, I ultimately don’t get anything, directly or indirectly, from the posts I write.
Advertisements: The site is, and always be, free of advertisements. Most of them anyways sell snake oil. You may end up buying it from elsewhere, not from here.
Emails: If you email me anything – questions, suggestions, abuses – all of the information in your email is mine. Of course, I will seek your permission if I want to quote you (not when you email me abuses). But you can rest assured that I will never share your personal details, including email address, with anyone. I hate it when someone does this to me!
Advice/Recommendations: I don’t advise anything on this site, except books, Warren Buffett, and Charlie Munger (and of course, regular exercise). And whenever I write about stocks, it’s purely from an educational perspective (when you lose money on my analysis, it’s educational, right?).
What is more, my stock analysis reports may often cause a reaction, and acting on them can be injurious to your wealth. So please don’t act on them! Use your own mind, and you may also consider using the mind of an honest, independent, trustworthy financial advisor (please also find me one!).
SEBI Registration Status: I, Vishal Khandelwal, am a registered Research Analyst as per SEBI (Research Analyst) Regulations, 2014 (Registration No. INH000000578). But that does not mean, in any case, that you should trust me more than what you would do without this status.
Disclaimer: I may invest in shares from time to time in my personal capacity, and I will never tell when and where I invest. But if I write in something where I’ve invested, I’ll tell you upfront why you must not invest there.
Hopefully, the above statement of disclosure clears up any misunderstanding you may have about my blog posts, premium content, and everything else about Safal Niveshak. If you have any questions, you can send me an email at vishal[at]safalniveshak[dot]com. Just remember what I said about emails. 😉