Topsheet is an educational and analytical platform only. Nothing on this website — including any tool output, chart, metric, analysis, or written content — constitutes investment advice, financial advice, or a recommendation to buy or sell any security or mutual fund.
1. Not investment advice
All content published on Topsheet, including but not limited to fund analysis, drawdown data, stress test results, Monte Carlo projections, SWP simulations, portfolio optimisation outputs, and overlap reports, is provided solely for educational and informational purposes.
Nothing on this platform should be construed as a solicitation, recommendation, or offer to buy or sell any mutual fund, security, or financial instrument. Topsheet does not provide personalised investment advice and is not a registered investment adviser under SEBI (Investment Advisers) Regulations, 2013 or any other applicable regulation.
2. Past performance is not indicative of future results
All return figures, risk metrics, drawdown statistics, and projections shown on Topsheet are based on historical NAV data. Historical performance does not guarantee or predict future performance. Mutual fund investments are subject to market risk, and the value of investments may go up or down.
Mathematical models used on this platform (including Monte Carlo simulation, Markowitz mean-variance optimisation, and scenario stress testing) are analytical tools only. Their outputs are based on historical data and statistical assumptions that may not hold in the future.
3. Data accuracy
Topsheet sources data from AMFI India (Association of Mutual Funds in India) and other publicly available datasets. While we make reasonable efforts to ensure data accuracy and timeliness, we do not warrant that:
- All data is complete, accurate, or up to date at the time of access
- NAV figures, holdings data, or benchmark prices are free from errors or omissions
- The platform is available without interruption or technical errors
Users are encouraged to verify any data independently before making any financial decisions.
4. No liability
To the fullest extent permitted by applicable law, Topsheet and its operators shall not be liable for any loss, damage, or financial harm arising directly or indirectly from:
- Reliance on any content, output, or analysis provided by this platform
- Investment decisions made based on information obtained from Topsheet
- Errors, inaccuracies, or omissions in any data displayed
- Interruptions or unavailability of the platform
5. Third-party data and benchmarks
Benchmark indices and index data referenced on Topsheet (such as NIFTY 50, NIFTY Next 50, and sector indices) are the property of NSE Indices Limited. Their use here is solely for analytical and illustrative purposes. Topsheet is not affiliated with NSE Indices Limited, BSE, AMFI, or any mutual fund house.
Where blended or proxy benchmarks are constructed for funds that lack a directly tradeable benchmark, these are approximate representations only and are clearly marked as such within the platform.
6. Consult a qualified professional
Before making any investment decision, you should consult a SEBI-registered investment adviser or other qualified financial professional who can take into account your individual circumstances, risk tolerance, investment horizon, and financial goals.
Topsheet is a tool to help you understand and analyse funds — not a substitute for professional financial advice.
7. User data and privacy
When you enter or upload data on Topsheet — including fund selections, portfolio weights, investment amounts, or any other inputs — you agree that Topsheet may use that data to provide and improve the platform's analytical features, such as portfolio analysis, overlap detection, stress testing, and optimisation.
We will never sell your data to third parties. Your inputs are used solely to power the tools on this platform and to improve the quality of our analysis. We do not share personally identifiable information with advertisers, data brokers, or any external commercial entities.
- Fund selections and portfolio inputs are used only to run the analysis you request
- Contact form submissions are stored securely and used only to respond to your query
- No personally identifiable financial data is shared with or sold to any third party
8. Changes to this disclaimer
We reserve the right to update this disclaimer at any time. Continued use of the platform after any changes constitutes acceptance of the revised disclaimer.
If you have any questions about this disclaimer, please contact us through the About page.