Terms & Conditions

Last updated: 10 August 2026

Welcome to HMA Wealth (“HMA Wealth,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your access to and use of hmawealth.com (the “Site”), including all content, tools, and features available on it. By visiting or using the Site, you agree to these Terms in full. If you do not agree, please discontinue use of the Site.

1. Who We Are

HMA Wealth is a financial education platform for Indian investors, publishing articles and free tools on stocks, mutual funds, SIPs, credit cards, loans, insurance, and personal finance. HMA Wealth is run by Hasanraza Ansari and is not a registered financial institution, brokerage, or advisory firm.

2. Educational Content Only, Not Financial Advice

Everything published on this Site articles, guides, comparisons, FAQs, and calculator outputs is provided for general educational and informational purposes only. Nothing on the Site constitutes personalized financial, investment, tax, or legal advice, and nothing here should be treated as a recommendation to buy, sell, or hold any security, fund, credit product, or financial instrument.

HMA Wealth and Hasanraza Ansari are not SEBI-registered investment advisers or research analysts. Using this Site does not create any advisor-client, fiduciary, or professional relationship between you and HMA Wealth. For guidance specific to your own financial situation, please consult a SEBI-registered investment adviser, a chartered accountant, or another appropriately licensed professional. Full details are in our Disclaimer.

3. The SIP Calculator and Other Tools

Any calculator or tool on the Site (including the SIP Calculator) produces illustrative estimates only, based on the figures you enter and standard compounding assumptions. These outputs:

  • Do not represent guaranteed, promised, or predicted returns
  • Do not account for taxes, exit loads, expense ratios, or market volatility unless explicitly stated
  • Should be used for general planning purposes only, alongside, not instead of, official scheme documents and professional advice

We take reasonable care to keep our calculators accurate, but we make no warranty that results will match actual investment outcomes.

4. Acceptable Use

By using the Site, you agree not to:

  • Use the Site for any unlawful purpose or in a way that violates any applicable Indian or international law
  • Attempt to gain unauthorized access to the Site, its servers, or any connected systems
  • Copy, scrape, republish, or redistribute our content in bulk without written permission
  • Introduce viruses, malware, or any other harmful code through the Site
  • Impersonate HMA Wealth, Hasanraza Ansari, or any other person or entity while interacting with the Site

We reserve the right to restrict or terminate access for anyone who violates these Terms.

5. Intellectual Property

Unless otherwise stated, all articles, graphics, logos, calculator tools, and original content on the Site are the property of HMA Wealth. You may share links to our content and quote brief excerpts with proper attribution and a link back to the original page. You may not republish full articles, reproduce our tools, or use our branding without prior written permission. Contact us at the email below for permissions or licensing questions.

6. Third-Party Links and Affiliate Relationships

Our articles may link to third-party websites, brokers, banks, apps, or financial products for reference. We do not control, endorse, or take responsibility for the content, accuracy, security, or practices of those external sites; visiting them is at your own risk, and their own terms and privacy policies will apply.

HMA Wealth participates in affiliate programs and may earn a commission when you click certain links and complete a purchase or sign-up, at no extra cost to you. Affiliate relationships never determine what we write about or how we evaluate a product; our opinions remain our own. See our Disclaimer for more detail.

7. Advertising

We display advertising on the Site, including through Google AdSense. Ads are served by third parties and may use cookies to personalize what you see. For details on how this works and your choices, see our Privacy Policy.

8. No Warranty

The Site and its content are provided “as is” and “as available.” We do our best to keep information accurate and current, but financial markets, tax rules, interest rates, and product terms change frequently, and we make no warranty, express or implied, that any article, figure, or tool output is complete, error-free, or up to date at the moment you read it. Always verify current details directly with the relevant institution or regulator (SEBI, RBI, IRDAI, or the Income Tax Department, as applicable) before acting.

9. Limitation of Liability

To the fullest extent permitted by law, HMA Wealth and Hasanraza Ansari shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of, or reliance on, the Site, its content, or its tools, including any financial decisions made based on what you read here.

10. Governing Law

These Terms are governed by the laws of India. Any disputes arising from your use of the Site shall be subject to the exclusive jurisdiction of the courts in Rajkot, Gujarat, India.

11. Changes to These Terms

We may update these Terms from time to time to reflect changes in our content, tools, or applicable law. Changes will be posted on this page with a revised “Last updated” date. Continued use of the Site after changes are posted indicates your acceptance of the updated Terms.

12. Contact Us

Questions about these Terms & Conditions can be sent to: