Congruence Advisers both as an equity portfolio service and a market data service is owned by Congruence Investment Advisers India Pvt Ltd, a SEBI Registered Research Analyst with registration number INH000019202

  • Terms of use related to the equity portfolio service (called” Equity Portfolio”)
    • Please go through the details of the service and the FAQ’s here
    • Investment into equity instruments involves a high degree of risk with the possibility of negative returns
    • No guaranteed or assured returns can be offered as part of this service, we request you to do your due diligence before signing up for any such service
    • We cannot display the past performance history as per SEBI guidelines, past performance is not to be extrapolated into the future. However, we will be happy to share the performance data during the interaction we have as part of the signing up process
    • We will never have control of client funds as per regulations. Your funds will be completely under your control at all points of time. Our research reports, model portfolio updates are non-binding and non-exclusive
    • Before acting on any of our inputs, please consider whether it is suitable for your profile before you execute transactions
  • Terms of use related to the market data service (called “Quarterly Dashboard”)
    • This is a service where we summarize the financial results, management commentary and qualitative inputs on all developments in the specific set of businesses that are under our universe of coverage
    • Along with the quantitative and qualitative data points we also summarize how we see the specific industry as of that quarter. Our analysis and commentary will contain forward looking statements, there is no assurance that the future will be in line with our assessment
    • This service is intended to be a decision support framework for investors who like to take charge of their equity investments. The objective of this service is to help such investors understand the way we analyse businesses, sectors in real time and derive value from this exercise
    • We do not offer any BUY/SELL/HOLD recommendation as part of this service
    • The set of businesses covered as part of this service is not static and will keep changing and evolving with the market texture. The final decision on what set of businesses are covered will rest with Congruence Advisers
    • Subscription to the equity portfolio service will include automatic access to this service too

Congruence Advisers makes no representation, warranty or guarantee as to the accuracy, completeness, or timeliness of the information (including news, prices, statistics, analysis, and the like) provided through its website. In no event shall Congruence Advisers be liable to any person for any decision made or action taken in reliance upon the information provided herein. Access to the information provided on this website is not intended and shall not be treated as an offer to sell or the solicitation of an offer to buy any security.

Content from this website shall not be copied, reproduced, transmitted, displayed, distributed, altered, or otherwise used in whole or in part in any manner. While all efforts have been taken to make this website as authentic as possible, Congruence Advisers will not be responsible for any liability in respect of any person/entity directly or indirectly suffering any consequential losses, damages or claims of whatsoever nature because of any short-coming, defect or inaccuracy inadvertently crept into the website or otherwise using the information available on this website in any manner. Despite all possible security measures that we take to keep this website free from hacking and other interference, this website like any other site is not free from such risks, Congruence Advisers disclaims all liability on account of any loss or damage that any user may suffer or incur on account of any alteration or manipulation of any data or information accessed or downloaded from this website.

Shipping

There is no shipping involved in any of our services

Refund Policy

Our refund policy is as per SEBI Regulations for Research Analysts that were released on Jan 8, 2025. You can request for a refund at any point of time, as per SEBI regulations fee collected will be refunded on a pro-rate basis. Refunds will be processed within 5 working days and credited to your account within 10 working days.

We request you to performance a thorough due diligence before your sign up for our services. Please read through the following before you choose to sign up for our services –

  • Details of the service
  • Sample reports published on the website
  • Monthly newsletters to get a sense of our thinking & communication style
  • FAQs on the services
  • Privacy Policy

We will be happy to answer any queries you may have to help you take an informed decision.

Our sincere suggestion is that you work with people and businesses who are already in alignment with your world view and way of thinking. In a digital first economy, it is extremely important that this alignment be there right from the start of the engagement.