Investment Disclaimer & Risk Disclosure

Last updated: June 15, 2026

1. Not Financial Advice

Crito Investments does not provide financial advice, investment advice, trading advice, or any other form of advice regulated under applicable securities laws in India, the United States, or any other jurisdiction.

All content generated by Crito — including AI-powered stock analysis, portfolio recommendations, rebalancing suggestions, and market commentary — is for informational and educational purposes only. It should not be relied upon as the basis for any investment decision.

2. Not a Registered Financial Institution

Crito Investments is not:

• A registered investment advisor under SEBI (Securities and Exchange Board of India) regulations or any other regulatory body
• A registered broker-dealer, portfolio manager, or investment manager
• A bank, non-banking financial company (NBFC), or any other regulated financial institution
• A member of any stock exchange including NSE, BSE, or any international exchange

We have not sought or obtained any regulatory approval to provide financial advice or portfolio management services.

3. AI-Generated Analysis Limitations

Crito uses artificial intelligence models (Anthropic Claude, Perplexity AI) to generate stock analysis. You must understand these limitations:

• AI can be wrong: AI models can produce inaccurate, incomplete, or misleading analysis. They can misinterpret financial data, miss context, or make logical errors.
• AI can hallucinate: AI models may generate plausible-sounding but factually incorrect information about companies, financial metrics, or market events.
• Data may be stale: Market data from Yahoo Finance may be delayed or outdated. AI models have training data cutoffs and may not know about recent events.
• Past performance is not indicative of future results: Any historical returns, patterns, or trends referenced by the AI do not guarantee similar future performance.
• The AI has no fiduciary duty to you: Unlike a licensed financial advisor, an AI model has no legal obligation to act in your best interest.

4. Investment Risks

Investing in stocks and securities involves significant risks, including:

• Capital loss: You can lose some or all of the money you invest
• Market risk: Market prices fluctuate due to economic, political, and market forces outside anyone's control
• Liquidity risk: You may not be able to sell your investment at the desired time or price
• Currency risk: Investments in foreign markets carry additional risk from exchange rate fluctuations
• Company risk: Individual companies can fail, face fraud, or decline significantly in value
• Regulatory risk: Changes in tax laws, SEBI regulations, or foreign investment rules can affect investment values
• Concentration risk: Portfolios concentrated in few stocks or sectors carry higher risk

5. Indian Market Specific Disclosures

For investors in Indian securities:

• SEBI registration is mandatory to provide investment advice in India. Crito is not a SEBI-registered investment advisor (RIA).
• Investment in securities market is subject to market risks. Read all the scheme-related documents carefully before investing.
• Capital gains from equity investments are subject to taxes under Indian Income Tax law. Consult a qualified chartered accountant for tax advice.
• Foreign portfolio investment (FPI) limits and rules apply to non-resident investors in Indian securities.

6. Third-Party Data Disclaimer

Market data, company financials, and news content displayed on Crito are sourced from third parties including Yahoo Finance and AI-generated summaries of publicly available information. We make no representation as to the accuracy, completeness, or timeliness of this data. Always verify important financial information through official company filings, stock exchange data, or regulated market data providers.

7. No Liability for Investment Outcomes

Crito Investments, its founders, employees, and affiliates accept no liability for any investment losses, lost profits, or other financial damages arising from your use of Crito or any analysis generated by the platform. By using Crito, you acknowledge that all investment decisions and their consequences are yours alone.

8. Seek Professional Advice

Before making any significant investment decision, we strongly recommend consulting with:

• A SEBI-registered investment advisor (for Indian investments)
• A licensed financial advisor in your jurisdiction
• A qualified tax professional (Chartered Accountant in India)
• A legal advisor for complex financial structures

9. Contact

Questions about this disclaimer: hello@crito.in

See also: Privacy Policy • Terms of Service