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I Disclose

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. 😉

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About the Author

Vishal Khandelwal is the founder of Safal Niveshak. He works with small investors to help them become smart and independent in their stock market investing decisions. He is a SEBI registered Research Analyst. Connect with Vishal on Twitter.


  1. Vamsi Krishna says:

    Hi Vishal Ji, Nice Disclosure….Sure it is interesting to read, as with you other articles, than the boring “Ferrari matching or Eye Tester Disclosures” SEBI asks to insert at the end of any advert by financial institutions/advisors.

    Cheers Way To go…Miles ahead..

  2. Hi Vishal,
    Wow… This is the only disclosure that I came across in which I understood every single word. Probably talks a lot about the honesty and integrity with which you write all your posts. Thank you again for sharing your invaluable learnings with everyone

  3. Hi Vishal,

    It’s very clear here. I have seen in many of your blogs advising readers not to just swallow anything you read. Even if anyone has blindly followed it I’m sure they won’t get lost. I’m regular learner of your works and great lessons that you had shared thru online course. I love it all….Thank you

  4. Great work Vishal ji.
    I like your Mental model work the most and special writing skills of your friend on lattice work of mental models. the language is very lucid and very indian. i mean we have a read a lot about it in books by foreign authors but this is special as its written by indian and with indian context at the back of mind.

    As always its a great pleasure to read your articles and now new series which you have initiated with your friend.

  5. R K Chandrashekar says:

    Knowing Vishal livres,breathes and practice’s what he preaches, this was only to be expected. I have never come across such a precise disclosure and even if there were one, it would be hard for the eye!!

  6. Vinod Chethikkat says:

    HI Vishalji,

    Nice disclosure from your side. it may be required to be line with land of law.

    but persons like me does not required as such because i come to know about you through some imminent personalities ( from their conversation with value investing students / followers ) who are actively in to enriching investors by their knowledge and wisdom. Definitely not with any tips. Their words are precise and priceless. Hence no disclosures can replace it. And day by day its proving that those words never failed.

    And as you are mentioning, continuously knowledge grows only when it shared with another.

    In conclusion, by your own words, keep learning and keep sharing.

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