Educational Disclaimer & Risk Disclosure

This Educational Disclaimer and Risk Disclosure (“Disclaimer”) governs your use of all content published by RisePaisa (risepaisa.com), including our online video masterclasses, downloadable spreadsheets, financial calculation engines, and research articles. Please read this disclosure carefully.

1. Non-Licensed Status & SEBON Disclosure

Under the Securities Act, 2063 (धितोपत्र सम्बन्धी ऐन, २०६३) of Nepal, securities brokerage, merchant banking, portfolio management services (PMS), and commercial investment advisory require specialized statutory licensing issued by the Securities Board of Nepal (SEBON).

RisePaisa, its founder Aakash Das, and its instructors are NOT registered, licensed, or operating as:

• SEBON-licensed stock brokers or securities dealers;
• SEBON-licensed investment advisors or financial planners;
• SEBON-licensed portfolio managers (PMS) or asset management companies;
• SEBON-licensed merchant bankers or issue managers.

We do not manage public funds, do not execute share trades on behalf of clients, and do not issue personalized buy, sell, or hold recommendations for any security listed on the Nepal Stock Exchange (NEPSE).

2. Not Individualized Financial, Tax, or Legal Advice

Every individual’s personal financial situation, risk capacity, investment horizon, cash flow obligations, and tax liabilities are unique. The educational concepts taught by RisePaisa, such as fundamental ratio analysis, technical chart reading, progressive income tax slabs (FY 2082/83), or SIP compounding mechanics, are general pedagogical frameworks designed to foster foundational financial understanding.

They do not consider your specific financial objectives, tax status, or personal risk tolerance. You should never base capital allocation decisions solely on general educational content. You are strongly advised to consult a qualified Chartered Accountant (CA), registered tax consultant, or authorized professional before making major financial commitments.

3. Capital Market & NEPSE Investment Risks

Investing in equity shares, debentures, mutual funds, and other financial instruments on the Nepal Stock Exchange (NEPSE) involves substantial market risk:

• Risk of Capital Loss: Stock prices fluctuate based on macroeconomic conditions, corporate earnings, interest rate changes enforced by Nepal Rastra Bank (NRB), market liquidity, and investor sentiment. You may lose some or all of your invested principal;
• No Guaranteed Returns: RisePaisa strictly prohibits and disclaims any promise of “guaranteed profits”, “risk-free income”, or “assured stock gains”. There is no guarantee that any investment strategy will yield positive returns;
• Liquidity & Market Volatility: Secondary stock trading in Nepal is subject to market circuit breakers, liquidity constraints, and sector-specific risks. Never invest funds that you cannot afford to lose, and never invest emergency reserves or borrowed funds into equities.

4. Historical Case Studies & Performance Disclosures

In our courses and articles, specific companies listed on NEPSE (such as commercial banks, hydropower companies, or manufacturing firms) and historical chart patterns are examined purely as academic case studies to teach practical analytical techniques (e.g., reading balance sheets, computing P/E ratios, understanding support and resistance).

Past performance does not guarantee or indicate future results. The historical growth, past dividend payouts, or previous chart breakouts of any listed company do not guarantee that the company will perform similarly in the future. Case studies are never an endorsement or recommendation to trade that particular stock.

5. Accuracy & Limitations of Financial Calculators

RisePaisa provides free interactive calculators (including SIP, EMI, Nepal Income Tax FY 2082/83, SWP, FD, Retirement Planner, and CAGR). While these tools are programmed using standard mathematical formulas and statutory tax slabs issued by the Inland Revenue Department (IRD Nepal), they are provided as simulation models for preliminary planning only.

Actual banking figures may vary based on bank-specific Base Rates, compounding cycles, quarterly spread adjustments, and final IRD tax assessments. RisePaisa makes no warranty regarding the commercial suitability of calculations for formal banking or tax filing purposes.

6. Learner Independence & Self-Responsibility

You are 100% solely and exclusively responsible for your own financial, investment, and trading choices. By utilizing our website, courses, or tools, you expressly acknowledge and agree that RisePaisa, Aakash Das, and its educators shall bear zero liability for any direct, indirect, or consequential financial losses, missed opportunities, or damages incurred as a result of your reliance on our educational content.