Terms & Conditions
What this website is, what it is not, and the terms on which you use it
Last updated: 25 August 2026
Agreement to These Terms
This website, investfirst.co.in, is operated by Amol Deshmukh, trading as InvestFirst. By using this website you accept the terms set out on this page. If you do not accept them, please do not use the site.
These terms are written to be read, not to be skimmed past. If anything here is unclear, ask before you act on anything you read on this site.
What I Actually Do
Mutual Fund Distribution
I am an AMFI Registered Mutual Fund Distributor, holding ARN-220322. My role is distribution: helping you understand the options, complete the paperwork, and execute transactions in schemes you decide to invest in.
Insurance Advisory
I am a licensed insurance advisor working with Axis Max Life Insurance and Care Health Insurance. I help you understand cover options and complete proposals for policies you choose to take.
Educational Content
The articles, guides and course material on this site about equity research and fundamental analysis are educational. They are there to help you understand how markets and businesses work. They are not tips, calls, or suggestions about what to buy.
What This Website Is Not
I Am Not a SEBI Registered Investment Adviser
Amol Deshmukh is not a SEBI Registered Investment Adviser (RIA). I am not registered to provide investment advice, and I do not provide it.
I Am Not a SEBI Registered Research Analyst
Amol Deshmukh is not a SEBI Registered Research Analyst. Nothing on this site is a research report, a target price, or a view on whether any particular stock is worth owning.
Nothing Here Is Investment Advice
No page, article, calculator, course or conversation on this website is:
- investment advice;
- a recommendation to buy or sell any security or scheme;
- a personalised financial plan; or
- an assurance about what any investment will do.
Any decision you make about your money is your own. Please consider your own circumstances, and take professional advice where you need it.
If You Want Investment Advice, Go to an RIA
If you are looking for advice tailored to your circumstances, please consult a SEBI Registered Investment Adviser. That is a different, regulated role, and it is not the one I hold.
How I Get Paid
Said plainly, because you should know it before you take anything here at face value: I earn commission from asset management companies and insurance companies on transactions executed through me. I do not charge you an advisory fee. This means I have a commercial interest in the products you buy through me. Bear that in mind, ask what I earn on anything I discuss with you, and compare options before you commit.
Risk Disclaimers
Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Insurance is the subject matter of solicitation.
Past performance is not indicative of future results.
These are not formalities. The value of an investment can fall as well as rise, and you may get back less than you put in. A fund that did well over the last five years may not do well over the next five. Insurance cover depends on the terms and conditions of the individual policy, including its exclusions — read them before you rely on the cover.
About the Calculators
They Are Illustrations, Nothing More
The calculators on this site are illustrative tools. They take the numbers you type in — the amount, the period, the rate of return you assume — and do the arithmetic. That is all they do.
The Assumptions Are Yours
A calculator has no idea what markets will do. If you enter 12% a year, it shows you what 12% a year would produce. It is not forecasting 12%, and neither am I. Change the assumption and the answer changes completely.
Not Projections, Guarantees or Advice
Calculator output is not a projection, not a guarantee, and not advice. Actual returns will differ, and may differ substantially. Do not treat a number on this screen as a number you will receive. Taxes, exit loads, expense ratios and the timing of your own contributions all affect what you actually end up with.
Using This Website
Accuracy of Information
I try to keep this site accurate and current, but I cannot promise that it always is. Information here is provided as it stands, with no warranty that it is complete, current or free of error. Tax rules, scheme details, product features and regulations change, and a page written last year may no longer be right. Always check the current scheme or policy documents before acting.
Intellectual Property
The content of this website — text, articles, course material, layout, graphics and branding — belongs to Amol Deshmukh unless stated otherwise. You are welcome to read it, and to share links to it. You may not republish, sell or pass it off as your own without written permission. Fund names, insurer names and other trademarks belong to their respective owners.
Links to Other Websites
This site links to other websites, including asset management companies, insurers, transaction platforms and my own writing elsewhere. Those sites are not under my control. A link is there for convenience and is not an endorsement of that site, its content, its products or its privacy practices. Once you follow a link, you are subject to that site's terms, not these.
Limitation of Liability
To the extent permitted by law, I am not liable for any loss you suffer from using this website or from relying on anything published on it — including investment losses, lost profits, or indirect or consequential loss. You use the information here at your own discretion and risk. Nothing in these terms limits any liability that cannot lawfully be limited, including liability for fraud.
Availability
I do not guarantee that this website will always be available or uninterrupted. It may be unavailable during maintenance, or because of problems outside my control.
Legal
Governing Law and Jurisdiction
These terms are governed by the laws of India. Any dispute arising out of or relating to this website or these terms is subject to the exclusive jurisdiction of the courts at Kolhapur, Maharashtra.
Changes to These Terms
These terms may be updated from time to time, as services change or as regulations do. The "Last updated" date at the top of this page always shows the current version, and the version on this page is the one that applies. Continuing to use the site after a change means you accept the updated terms.
Privacy
How your personal data is handled is set out separately in the Privacy Policy, which forms part of these terms.
Contact
Operator: Amol Deshmukh (InvestFirst)
AMFI Registration: ARN-220322
Email: amol@investfirst.co.in
Address: Kolhapur, Maharashtra, India
Still Have Questions?
If anything on this page needs explaining — including what I earn on a product you are considering — ask me directly. You should understand what you are buying and how I am paid before you decide anything.