not everyone manages
their wealth right.

CA Wealth Partners is a sole proprietorship owned and operated by a Chartered Accountant based in Mohali, Punjab, India. Registrations and licences include: AMFI ARN (Mutual Fund Distributor), RERA Punjab, RERA Haryana, IRDAI POSP licence, and DSA agreements with selected banks and NBFCs.

We are an AMFI-registered MFD — a distributor, not an investment adviser. We distribute regular plans and earn trail commissions from AMCs embedded in the expense ratio. Mutual fund investments are subject to market risks. Past performance is not indicative of future returns. Please read all SIDs, KIMs, and SAIs carefully before investing. KYC is mandatory under PMLA and AMFI regulations.

We are registered as a Real Estate Advisor under RERA with Punjab and Haryana authorities. We act solely as an intermediary — not as a builder, developer, or title holder. Sale brokerage: typically 1–2% of transaction value. Rental brokerage: typically one month's rent. Both are agreed in writing before engagement. We do not guarantee title, possession timelines, or construction quality. Clients must independently verify all property details and conduct due diligence before committing to any transaction.

We act as a Direct Selling Agent (DSA) for selected banks and NBFCs regulated by the Reserve Bank of India. We do not charge any fee from borrowers. Loan sanction, interest rate, processing fee, and all other terms are solely at the discretion of the respective lender subject to the client's creditworthiness and documentation. Figures shared during advisory discussions are indicative only and not a commitment by any lender. We earn DSA commission from lenders upon successful disbursal — this may create a conflict of interest in lender recommendations and is disclosed upfront. Clients are free to approach lenders directly. We operate in compliance with RBI guidelines on outsourcing and the Fair Practices Code applicable to DSAs.

We hold an IRDAI POSP licence and distribute life and health insurance products. Insurance products are subject to the terms, exclusions, and waiting periods of the insurer's policy document. Free-look period: 15–30 days as per IRDAI regulations. Claims are settled by the insurer — we have no role in claims approval. For complaints: IRDAI Bima Bharosa 155255.

CA Wealth Partners is not liable for losses arising from market movements, lender decisions, insurer decisions, regulatory changes, or force majeure. Our liability is limited to the professional advisory fee actually received for any specific engagement. We are not liable for the actions of lenders, AMCs, insurers, or developers.

Clients must: (a) provide accurate, complete, and current KYC documents and financial information; (b) read all product documents (SID, KIM, policy document, loan agreement) before transacting; (c) not provide false information for loan, insurance, or investment applications — this may attract liability under PMLA 2002 and IPC; (d) promptly inform us of any change in financial situation, risk profile, or KYC details; (e) never share OTPs, passwords, or PINs with us or anyone claiming to represent us.

All content on the CA Wealth Partners website — including text, layout, financial models, and graphics — is the intellectual property of CA Wealth Partners. Reproduction or commercial use without written permission is prohibited. Website content is for general information only and does not constitute investment, legal, or tax advice. We are not responsible for the accuracy of third-party links or external resources.

First point of contact: cawealthpartners@gmail.com · Resolution target: 21 working days. Regulatory escalation: SEBI SCORES (scores.sebi.gov.in) · AMFI (amfiindia.com) · RERA Punjab (rera.punjab.gov.in) · RERA Haryana (harera.in) · IRDAI Bima Bharosa 155255 · RBI Integrated Ombudsman (cms.rbi.org.in) · Toll-free: 14448. These Terms are governed by Indian law. Any dispute shall be subject to the exclusive jurisdiction of courts in Mohali / S.A.S. Nagar, Punjab. Parties shall first attempt resolution through good-faith negotiation before approaching courts. CA Wealth Partners reserves the right to amend these Terms at any time — updated terms will be published on the website and continued use of services constitutes acceptance.

• Processing MF investment and redemption transactions through AMC and AMFI systems
• Submitting loan applications to banks and NBFCs under DSA agreements
• Completing insurance policy applications with empanelled insurers under POSP licence
• Facilitating property sale, purchase, and rental transactions
• Preparing financial plans, wealth plans, and estate planning documents
• Complying with PMLA, AMFI, IRDAI, RERA, and income tax regulations

• AMCs and AMFI systems — for MF transaction processing and KYC
• Banks and NBFCs — for loan applications under DSA agreements
• Insurance companies — for policy issuance and renewals
• RERA authorities — as required under regulatory filings
• KYC Registration Agencies (KRA) — as mandated by SEBI/AMFI

• FIU-IND — mandatory reporting under PMLA for suspicious transactions
• SEBI, AMFI, IRDAI, RERA — in response to regulatory enquiries or audits
• Courts and law enforcement — under valid legal orders

• Right to access — request a copy of personal information we hold
• Right to correction — request correction of inaccurate data
• Right to withdraw consent — for marketing communications at any time
• Right to information — how your data is processed and shared
• Right to erasure — subject to mandatory regulatory retention periods

To exercise rights: cawealthpartners@gmail.com · Response within 30 days. We will never ask for OTPs, passwords, or PINs.

Our website may use cookies and standard analytics tools to collect non-personally-identifiable data for improving user experience and understanding traffic patterns. We do not use cookies for retargeting, behavioural advertising, or cross-site tracking. You may disable cookies through your browser settings; this may affect certain website features.

Our services are intended for individuals aged 18 and above. We do not knowingly collect personal data from minors. Where minor dependents' information is collected (e.g., insurance nomination, estate planning), it is collected with parental or guardian consent and used solely for the stated purpose.

KYC documents and financial records are stored in password-protected systems with access restricted to authorised personnel. Physical documents are secured in locked storage. In the event of a data breach affecting your personal information, we will notify you as required under applicable law. We will never ask for OTPs, passwords, or PINs — any such request should be treated as fraudulent.

We notify clients of material changes to this policy by email. Continued use of services after publication of an amended policy constitutes acceptance. Updated versions are published on our website.

Privacy Officer: Proprietor, CA Wealth Partners · cawealthpartners@gmail.com · Mohali, Punjab 160055 · Response: 30 days

• We distribute regular plans only. Regular plans carry higher expense ratios than direct plans due to distributor trail commissions embedded in the expense ratio.
• We earn trail commission from AMCs based on AUM distributed. Commission is paid by the AMC, not charged separately to clients.
• Commission details for any specific scheme are available on request before any transaction.
• ARN number available on request · Verify at amfiindia.com

• We facilitate property transactions as a registered intermediary. We are not a builder, developer, or promoter under RERA.
• Property investment involves market, liquidity, regulatory, and title risks. Returns are not guaranteed.
• RERA Punjab number — available on request · Verify at rera.punjab.gov.in
• RERA Haryana number — available on request · Verify at harera.in

• We earn IRDAI-prescribed commissions from insurance companies upon policy issuance and renewal — not from clients.
• Claims are settled by the insurer subject to policy terms. We have no role in claims approval.
• Free-look period: 30 days for all policies as per IRDAI (Insurance Products) Regulations, 2024 — applicable from 1 April 2024.
• Complaints: IRDAI Bima Bharosa 155255 · irdai.gov.in

• We act as a Direct Selling Agent for selected banks and NBFCs regulated by the Reserve Bank of India.
• We do not charge any fee from borrowers for loan facilitation services.
• We earn referral commission from lenders upon successful disbursal — paid by the lender, not the borrower.
• Loan approval, interest rate, and all terms are solely at the discretion of the respective lender.

• KYC verification is mandatory for all clients before any financial transaction, as required under PMLA 2002 and SEBI/AMFI/IRDAI/RBI guidelines.
• We are a reporting entity under PMLA and are required to report suspicious transactions and cash transactions above prescribed thresholds to FIU-IND (fiuindia.gov.in).
• Providing false or incomplete KYC information is a criminal offence under PMLA 2002 and may attract prosecution.
• Enhanced due diligence is conducted for Politically Exposed Persons (PEPs) and high-risk clients as required by law.
• Client data may be shared with FIU-IND, Income Tax Department, SEBI, AMFI, IRDAI, or RERA in response to lawful regulatory enquiries.