Regulatory Disclosures – EquityX Advisory

SEBI Registered Investment Adviser: Sheikh Imran Uz Zaman (Sole Proprietor of Top Level Financial Advisor), Registration No. INA100011775 | BASL Membership No. 1160

1. Firm & Registration Details

2. Disclosures

All our business and service details along with terms & conditions are updated on our company website. We are not affiliated with any other intermediaries. Thus, it makes it easy for clients to take a better decision while opting for the services.

The term ‘equityx.in – Sheikh Imran Uz Zaman (Investment Adviser), Sole Proprietor of Top Level Financial Advisor, Registered with SEBI as Investment Adviser INA100011775’ or ‘us’ or ‘we’ refers to the owner of the website equityx.in. The term ‘you’ refers to the user or viewer of our website.

1. We do not obtain any consideration by way of remuneration or compensation or in any other form whatsoever, received or receivable by us or any of our associates or subsidiaries for any distribution or execution services in respect of the products or securities for which the investment advice is provided to the client.
2. We do not recommend any stock broker or other intermediary to a client. We do not receive any consideration by way of remuneration or compensation or in any other form whatsoever from any stock broker or other intermediary. We also ensure that all of our representatives will not involve in any trade activities in the market to abide by the SEBI (Investment Advisers) Regulations, 2013.
3. If a client wants our opinion on specific positions made by him only, we will be able to suggest an appropriate view on the security. Such suggestion/view under any circumstances shall be considered as an opinion (not advice) from our company and we advise the client to consider our opinion and not consultancy to make his/her final decision. We are not liable for any losses whatsoever the client may incur in accepting this opinion.
4. To avoid any conflict of interest, neither the company nor its Proprietor trades in the products under services.
5. We do not have any association in any manner with any issuer of products/securities; this ensures that there are no actual or potential conflicts of interest. This also ensures that objectivity or independence in the carrying on of investment advisory services is not compromised.
6. Investment in stock or commodity markets is subject to market risk. Though best attempts are made while preparing advice, no surety of return or accuracy of any kind is guaranteed, and past performance is not indicative of future performance of the products/services.
7. Clients are advised to consider all the advice as just an opinion and make investment decisions on their own. The client is also advised to trade only if the given recommendations suit his current risk appetite and risk bearing capacity; all such recommendations shall be considered as a view or opinion and the client shall at his/her discretion decide actual trades.
8. All the recommendations which are given by our company are communicated in written form via SMS or Instant Messenger only. No verbal communication from any of the executives or otherwise under any circumstances shall be considered as advice by our company.
9. The client is always advised to read, understand and agree to the terms & conditions and disclaimer of the service.
10. We do not guarantee any profit/return.
11. We do not offer any refund in quarterly packages.
12. We do not provide any profit/loss sharing services or guaranteed profit services. We provide only the services which are mentioned on our website.
13. The registered Investment Adviser is not providing any distribution services to anyone, including persons defined in regulations 2(1)(gb) and (gc) of the SEBI (IA) Regulations, 2013.
14. We don’t provide any free service as per the guidelines and regulations of SEBI related to investment advisers.
15. Fees: Advisory fees are charged in accordance with Regulation 15A of the SEBI (Investment Advisers) Regulations, 2013 and circulars issued thereunder, under either of the two modes — the fixed fee mode (maximum ₹1,51,000 per annum per family of client, or as per revised regulations, across all services) or the Assets under Advice (AUA) mode (up to 2.5% of AUA per annum per family of client). Fees are charged under any one mode on an annual basis; the fee limits do not include statutory charges. Fees may be collected in advance for a period not exceeding one year, as permitted by SEBI. In case of pre-mature termination of services, fees for the unexpired period shall be refunded; a breakage fee of not more than one quarter’s fee may be retained, in accordance with SEBI norms and the investment advisory agreement. These fee provisions apply to individual and HUF clients (other than accredited investors). Fees are accepted strictly through traceable banking modes (account payee crossed cheque/demand draft, NEFT/RTGS/IMPS/UPI or any other mode specified by SEBI); cash is not accepted.
16. Disclosure of Artificial Intelligence (AI) tools: In accordance with Regulation 15(14) and Regulation 18(9) of the SEBI (Investment Advisers) Regulations, 2013, the Investment Adviser discloses that its use of AI tools is limited solely to research and analysis of financial products and general market information. Such tools are not used to process, analyse, or derive conclusions based on any client-specific or personally identifiable information, and no client information is shared with, or input into, any AI system for the purpose of generating or concluding investment advice. The Investment Adviser remains fully responsible for the security and confidentiality of client data and for the investment advice provided, irrespective of the use of any AI tools.
17. Products/services outside SEBI’s purview: Where any guidance is provided on products or services that are outside the regulatory purview of SEBI, the necessary disclosures shall be provided and a declaration/undertaking obtained from the client; no recourse to SEBI shall be available to clients for any grievance arising from such products or services.

• No disciplinary action has been taken by any regulator in the past.
• We do not hold any position, to avoid conflict of interest with the clients.
• We receive fees for our advisory services only from the client and do not recommend any product for a commission.

Read more about EquityX Advisory

3. Annual Compliance Audit Status

Disclosure with respect to compliance with the Annual Compliance Audit requirement under Regulation 19(3) of the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013, for the last and current financial years, is as under:

4. Grievance Redressal Mechanism

Dear Investors/Traders, in case of any grievance against our services, kindly follow the procedure given below to register your grievance with us. We shall strive to redress every grievance immediately, and in any case not later than 21 days from the receipt of the grievance, in accordance with SEBI requirements.

Level 1 – Register your grievance with EquityX

All clients having grievances regarding any service can register their complaint by sending an email to info@equityx.in or a WhatsApp message to +91 95999 69624, and keep the Ticket Number / Reference Number to ensure timely recording and recognition of the grievance. The respective person shall revert within 5 working days with respect to redressal of such complaint. Please mention your payment details such as payment date, fee paid with the Transaction ID, and your registered phone number with us.

Level 2 – Escalate to the Compliance Officer

If the client is not satisfied with the resolution and still wants to escalate the complaint, he/she can escalate the matter to the Compliance Officer at admin@equityx.in with the Ticket Number / Reference Number given at Level 1. Here, we will try to assist the client with the best possible solution, adhering to a time span of 10 working days.

Level 3 – Escalate to SEBI (SCORES) or ODR

If the client is still not satisfied, he/she can escalate the matter to the market regulator SEBI at https://scores.sebi.gov.in or may also write to any of the offices of SEBI. SCORES may also be accessed through the SCORES mobile application.

If unsatisfied with the response, the Online Dispute Resolution Portal (“ODR Portal”) may be accessed. A common ODR Portal which harnesses conciliation and online arbitration for resolution of disputes arising in the Indian securities market has been established. The ODR Portal can be accessed via https://smartodr.in.

Please note that in case a client marks a copy of the mail to all the levels, it will not be considered as an escalated matter; it shall in any case start from Level 1, and only in the case of a separate mail after expiry of, or reply from, the previous level shall the complaint be considered at the next level. In order to receive timely resolution of a raised grievance, the client should first highlight their complaint to EquityX.in only.

If you wish to contact our customer care representative regarding our services, kindly contact us on WhatsApp at +91 95999 69624.

5. Investor Complaints Data

*Inclusive of complaints of previous months resolved in the current month. #Inclusive of complaints pending as on the last day of the month. ^Average resolution time is the sum total of time taken to resolve each complaint in days, in the current month, divided by the total number of complaints resolved in the current month.

*Inclusive of complaints of previous months resolved in the current month. #Inclusive of complaints pending as on the last day of the month.

*Inclusive of complaints of previous years resolved in the current year. #Inclusive of complaints pending as on the last day of the year.

6. Code of Conduct for Investment Adviser

As per the Third Schedule of the SEBI (Investment Advisers) Regulations, 2013 [see sub-regulation (9) of regulation 15]:

1. Honesty and fairness — An investment adviser shall act honestly, fairly and in the best interests of its clients and in the integrity of the market.
2. Diligence — An investment adviser shall act with due skill, care and diligence in the best interests of its clients and shall ensure that its advice is offered after thorough analysis and taking into account available alternatives.
3. Capabilities — An investment adviser shall have and employ effectively appropriate resources and procedures which are needed for the efficient performance of its business activities.
4. Information about clients — An investment adviser shall seek from its clients, information about their financial situation, investment experience and investment objectives relevant to the services to be provided and maintain confidentiality of such information.
5. Information to its clients — An investment adviser shall make adequate disclosures of relevant material information while dealing with its clients.
6. Fair and reasonable charges — An investment adviser advising a client may charge fees, subject to any ceiling as may be specified by the Board, if any. The investment adviser shall ensure that fees charged to the clients is fair and reasonable.
7. Conflicts of interest — An investment adviser shall try to avoid conflicts of interest as far as possible and when they cannot be avoided, it shall ensure that appropriate disclosures are made to the clients and that the clients are fairly treated.
8. Compliance — An investment adviser including its representative(s) shall comply with all regulatory requirements applicable to the conduct of its business activities so as to promote the best interests of clients and the integrity of the market.
9. Responsibility of senior management — The senior management of a body corporate which is registered as investment adviser shall bear primary responsibility for ensuring the maintenance of appropriate standards of conduct and adherence to proper procedures by the body corporate.

7. Risk Profiling & Suitability

Pursuant to Regulations 16 and 17 of the SEBI (Investment Advisers) Regulations, 2013 and the Master Circular for Investment Advisers dated February 06, 2026, we conduct a risk profiling and suitability assessment of every client before rendering any investment advice. Investment advice is rendered only after the client’s risk profile is completed and the client’s consent on the completed risk profile is obtained through registered email or physical document.

What is a risk profile?

The investment advice and asset allocation for an investor have to be customized to the ability and willingness of the investor to assume risk. This is determined by a risk profiling exercise, which seeks to assess the attitude towards risk and possible loss in the portfolio and the willingness to pursue an investment plan, after understanding the underlying risks.

Our assessment methodology

Our risk profiling questionnaire computes two separate sub-scores, so that the client’s ability to take risk and willingness to take risk are each assessed and no single answer is given inappropriate weight:

• Risk Capacity (ability): assessed through questions on income, expenses, income stability, emergency funds, existing investments, liabilities, dependents, investment horizon and objectives.
• Risk Tolerance (willingness): assessed through questions on reaction to portfolio drawdowns, maximum tolerable loss, willingness to take risk for higher returns, and understanding of financial products.

The final risk profile is the lower of the two bands. If a client indicates that they are unwilling or unable to accept any risk of loss of invested capital, the client is classified as Conservative irrespective of the scores, and advice is restricted to products oriented towards capital protection, in terms of Regulation 16(b)(ii).

The assessed risk profile is communicated to the client after the assessment is completed. The information provided and the risk assessment are updated periodically — at least once a year, or upon any material change in the client’s circumstances, whichever is earlier. All information is kept confidential and used solely for risk profiling and suitability assessment. Advice and products/services offered are restricted to those suitable for the client’s assessed risk profile; clients will not be offered services inconsistent with their risk profile.

As a SEBI registered investment adviser, we ensure the following:

• Investment advice and related investments are appropriate to the client’s risk profile.
• We have a documented process for selecting products based on the client’s investment objectives and financial situation.
• We always understand the nature and risks of products or assets selected for clients.
• We always have a reasonable basis for believing that a recommendation or transaction entered into: (a) meets the client’s investment objectives; (b) is such that the client is able to bear any related investment risks consistent with their investment objectives and risk tolerance; and (c) is such that the client has the necessary experience and knowledge to understand the risks involved in the transaction.

When advice is given to a client to purchase a complex financial product, such recommendation or advice must be based upon a reasonable assessment that the structure and risk-reward profile of the financial product is consistent with the client’s experience, knowledge, investment objectives, risk appetite and risk capacity.

8. Investor Charter in respect of Investment Advisers

A. Vision and Mission Statements for investors

Vision: Invest with knowledge & safety.

Mission: Every investor should be able to invest in the right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.

B. Details of business transacted by the Investment Adviser with respect to the investors

• To enter into an agreement with the client providing all details including fee details, aspects of conflict of interest disclosure, and maintaining confidentiality of information.
• To do a proper and unbiased risk profiling and suitability assessment of the client.
• To conduct audit annually.
• To disclose the status of complaints on its website.
• To disclose the name, proprietor name, type of registration, registration number, validity, complete address with telephone numbers and associated SEBI office details (i.e. Head office / regional / local office) on its website.
• To employ only qualified and certified employees.
• To deal with clients only from the official number.
• To maintain records of interactions with all clients, including prospective clients (prior to onboarding), where any conversation related to advice has taken place.
• To ensure that all advertisements are in adherence to the provisions of the Advertisement Code for Investment Advisers.
• Not to discriminate, in terms of services provided, among clients opting for the same/similar products/services offered by the investment adviser.

C. Details of services provided to investors (No Indicative Timelines)

• Onboarding of clients: sharing of agreement copy; completing KYC of clients.
• Disclosure to clients:
  • To provide full disclosure about its business, affiliations and compensation in the agreement.
  • To not access the client’s accounts or holdings for offering advice.
  • To disclose the risk profile to the client.
  • To disclose any conflict of interest of the investment advisory activities with any other activities of the investment adviser.
  • To disclose the extent of use of Artificial Intelligence tools in providing investment advisory services.
• To provide investment advice to the client based on the risk-profiling of the client and suitability of the client.
• To treat all advisory clients with honesty and integrity.
• To make adequate disclosure to the investor of all material facts such as risks, obligations, costs, etc. relating to the products or securities advised by the adviser.
• To provide clear guidance and adequate caution notice to clients when providing investment advice for dealing in complex and high-risk financial products/services.
• To ensure confidentiality of information shared by clients unless such information is required to be provided in furtherance of discharging legal obligations or the client has provided specific consent to share such information.
• To disclose the timelines for the various services provided by the investment adviser to clients and ensure adherence to the said timelines.

D. Details of grievance redressal mechanism and how to access it

Mode of filing a complaint with the investment adviser: In case of any grievance/complaint, an investor may approach the concerned Investment Adviser, who shall strive to redress the grievance immediately, but not later than 21 days of the receipt of the grievance. (See our Grievance Redressal Mechanism above.)

Mode of filing a complaint on SCORES or with the Investment Adviser Administration and Supervisory Body (IAASB):

• SCORES 2.0 (a web-based centralized grievance redressal system of SEBI for facilitating effective grievance redressal in a time-bound manner): https://scores.sebi.gov.in. Two-level review for a complaint/grievance against an investment adviser: first review done by the designated body (IAASB); second review done by SEBI.
• Email to the designated email ID of the IAASB.

If the investor is not satisfied with the resolution provided by the market participants, then the investor has the option to file the complaint/grievance on the SMARTODR platform for its resolution through online conciliation or arbitration.

With regard to physical complaints, investors may send their complaints to: Office of Investor Assistance and Education, Securities and Exchange Board of India, SEBI Bhavan, Plot No. C4-A, ‘G’ Block, Bandra-Kurla Complex, Bandra (E), Mumbai – 400 051.

E. Rights of investors

• Right to Privacy and Confidentiality
• Right to Transparent Practices
• Right to Fair and Equitable Treatment
• Right to Adequate Information
• Right to Initial and Continuing Disclosure — right to receive information about all the statutory and regulatory disclosures
• Right to Fair & True Advertisement
• Right to Awareness about Service Parameters and Turnaround Times
• Right to be informed of the timelines for each service
• Right to be Heard and Satisfactory Grievance Redressal
• Right to have timely redressal
• Right to Suitability of the Financial Products
• Right to Exit from a financial product or service in accordance with the terms of the agreement with the investment adviser
• Right to receive clear guidance and caution notice when dealing in complex and high-risk financial products and services
• Additional rights to vulnerable consumers — right to get access to services in a suitable manner even if differently abled
• Right to provide feedback on the financial products and services used
• Right against coercive, unfair, and one-sided clauses in financial agreements

F. Expectations from the investors (Responsibilities of investors)

Do’s

1. Always deal with SEBI registered Investment Advisers.
2. Ensure that the Investment Adviser has a valid registration certificate.
3. Check for the SEBI registration number. Please refer to the list of all SEBI registered Investment Advisers, which is available on the SEBI website at the following link: List of SEBI Registered Investment Advisers.
4. Pay only advisory fees to your Investment Adviser. Make payments of advisory fees through banking channels only and maintain duly signed receipts mentioning the details of your payments. You may make payment of advisory fees through the Centralised Fee Collection Mechanism (CeFCoM) of the IAASB if the investment adviser has opted for the mechanism.
5. Always ask for your risk profiling before accepting investment advice. Insist that the Investment Adviser provides advisory strictly on the basis of your risk profiling and takes into account available investment alternatives.
6. Ask all relevant questions and clear your doubts with your Investment Adviser before acting on advice.
7. Assess the risk–return profile of the investment as well as the liquidity and safety aspects before making investments.
8. Insist on getting the terms and conditions in writing, duly signed and stamped. Read these terms and conditions carefully, particularly regarding advisory fees, advisory plans, category of recommendations etc., before dealing with any Investment Adviser.
9. Be vigilant in your transactions.
10. Approach the appropriate authorities for redressal of your doubts/grievances.
11. Inform SEBI about Investment Advisers offering assured or guaranteed returns.
12. Always be aware that you have the right to exit the service of an Investment Adviser.
13. Always be aware that you have the right to seek clarifications and clear guidance on advice.
14. Always be aware that you have the right to provide feedback to the Investment Adviser in respect of services received.
15. Always be aware that you will not be bound by any clause, prescribed by the investment adviser, which contravenes any regulatory provisions.

Don’ts

1. Don’t fall for stock tips offered under the pretext of investment advice.
2. Do not provide funds for investment to the Investment Adviser.
3. Don’t fall for the promise of indicative or exorbitant or assured returns by the Investment Advisers. Don’t let greed overcome rational investment decisions.
4. Don’t fall prey to luring advertisements or market rumors.
5. Avoid doing transactions only on the basis of phone calls or messages from any Investment Adviser or its representatives.
6. Don’t take decisions just because of repeated messages and calls by Investment Advisers.
7. Do not fall prey to limited period discounts or other incentives, gifts, etc. offered by Investment Advisers.
8. Don’t rush into making investments that do not match your risk taking appetite and investment goals.
9. Do not share login credentials and passwords of your trading and demat accounts with the Investment Adviser.

9. Disclaimer & Standard Warning

By visiting or opting for any of our platforms or subscribing to our services, you are agreeing to be bound by the following Disclaimer and our terms and conditions. We may change these at any time. Your continued use of our website or services means that you accept any new or modified terms and conditions that we come up with. Please re-visit this page from time to time to stay abreast of any changes that we may introduce.

Investments/trading in stock markets or commodity markets are subject to market risk. There is no assurance or guarantee of any minimum success rate or profits whatsoever. Past performance is not indicative of future performance. Investment/trading in stock/commodity markets does involve risk of loss of capital, in part or full.

All information provided by equityx.in is only for educational purposes. We do not allow anyone to trade or invest without proper risk analysis by our SEBI Registered Investment Adviser. If you do not agree with any of our disclaimers, please do not read the material on any of our pages.

The content of the site and the interpretation of data are solely the personal views of the contributors. equityx.in reserves the right to make modifications and alterations to the content of the website. Users are advised to use the data for the purpose of information only and rely on their own judgment while making investment decisions. The investments discussed or recommended may not be suitable for all investors. equityx.in does not warrant the timeliness, accuracy or quality of the electronic content.

A possibility exists that the site could include inaccuracies or errors. Additionally, a possibility exists that unauthorized additions, deletions or alterations could be made by third parties to the site. Although equityx.in attempts to ensure the integrity, correctness and authenticity of the site, it makes no guarantees whatsoever as to its completeness, correctness or accuracy. In the event that such an inaccuracy arises, please inform equityx.in so that it can be corrected.

The price and value of investments and the income derived from them can go down as well as up, and you may not get back the amount you invest. Changes in the rate of exchange may have an adverse effect on the value, price and income of investments. Past performance is not necessarily a guide to future performance. The services and investments referred to on our site may have tax consequences, and it is important to bear in mind that equityx.in does not provide tax advice. The level of taxation depends on individual circumstances, and such levels and bases of taxation can change. You should consult your own tax advisor in order to understand any applicable tax consequences.

equityx.in does not make any personal recommendations without risk profiling. The information on our website is provided solely to enable investors to make their own investment decisions and does not constitute a recommendation to buy, sell or otherwise deal in investments. Our services and the securities we offer services on may not be suitable for all customers without risk profiling.

The content of the website cannot be copied, reproduced, republished, uploaded, posted, transmitted or distributed for any use without obtaining prior permission from equityx.in. We reserve the right to terminate the accounts of subscribers/customers who violate the proprietary rights, in addition to necessary legal action.

equityx.in and its owner are not liable for damages caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in transmission or operations, computer virus, communications line failure, or unauthorized access to personal accounts. equityx.in is not responsible for any technical failure or malfunctioning of software or delays of any kind. We are also not responsible for non-receipt of registration details or e-mails. Users shall bear all responsibility for keeping their password secure. equityx.in is not responsible for the loss or misuse of the password.

equityx.in is not responsible for the content of any of the linked sites. By providing access to other websites, equityx.in is neither recommending nor endorsing the content available on the linked websites.

You agree that the information gathered from your profile will be used to enhance your experience on the website. We will not rent or sell the profile to any third party. In the case of a contest or a promotion scheme, we reserve the right to share the user’s profile with the sponsors. In the event of necessary credit checks and collection of payments, equityx.in can disclose such information to other authorities in good faith.

This website is for the exclusive purpose of transactions to be carried out within the territorial jurisdiction of India, and all such transactions shall be governed by the laws of India. Notice is hereby given that Non-Resident Indians (NRIs) and foreign nationals accessing this website and opting to transact thereon shall do so after due verification at their end of their eligibility to do so. equityx.in undertakes no responsibility for such pre-eligibility of qualification on the part of NRIs or foreign nationals to transact on this website.

You understand and agree that no joint venture, partnership, employment or agency relationship exists between you and us as a result of this agreement or on account of the use of our website.

equityx.in provides stop-losses and targets based on technical analysis only; therefore our first targets can be small. We are not forcing anyone to join us. We are not giving any surety that you will earn daily as shown in our past performance, as whatever we have shown is completely based on past performance only, and no one can give surety that this performance will work in the future. We will try our best to provide the best accuracy at all times. Whatever is written on our website, such as accuracy figures, is based on our past performance; it does not mean that you can get the same at all times, as this market is based on risk-reward.

Price and availability of products and services offered on the site are subject to change without prior notice. To the extent we provide information on the availability of products or services, you should not rely on such information. equityx.in will not be liable for any lack of availability of products and services you may order through the site.

Stock trading is a high-risk activity. All recommendations are based on technical analysis. Any major fundamental news or market sentiment can make these levels irrelevant or ineffective. The targets and time frames mentioned are indicative and may vary depending upon the market situation. In the event of the demise of the owner of equityx.in, subscription fees will not be refunded and the service will stop immediately. There is no guarantee of any type in our services; we try our best to provide the highest accuracy on a daily basis, but we will not be responsible if we fail to do so, as no one can predict market action at all times. Do not pay any subscription fee without reading these terms and conditions.

Muslim clients will be fully responsible for trading in any haraam scrip if recommended by us. We try to filter out banks, interest-based scrips, wine and cigarette companies, which are not allowed in Islam, but we also provide options tips. Please do your own research about halal scrips / Shariah-compliant stocks or segments and invest only in them; we will not be responsible by any means if any recommendation is given in haram scrips.

Any action you choose to take in the markets is totally your own responsibility. We will not be liable for any direct or indirect, consequential or incidental damages or loss arising out of the use of this information. This information is neither an offer to sell nor a solicitation to buy any of the securities mentioned herein.

Tips on SMS

“Tips on SMS” is a service given only to members with the sole intention to aid their information means. equityx.in does not guarantee accuracy of generation, databases, delivery timings etc. while giving this facility. Depending on your location, service provider, medium of communication and delivery, the service may at times be slow or unavailable. equityx.in shall in no way be responsible for delays in receiving SMS on the mobile caused due to delivery methods chosen by the service provider, rush on the service provider’s servers, or any other reason whatsoever that may cause such a delay.

Governing law

Transactions between you and equityx.in shall be governed by and construed in accordance with the laws of India, without regard to the laws regarding conflicts of law. Any litigation regarding this agreement or any transaction between the customer and equityx.in, or any action at law or in equity arising out of or relating to this agreement or transaction, shall be filed only in the competent courts of Delhi alone, and the customer hereby agrees, consents and submits to the jurisdiction of such courts for the purpose of litigating any such action. All disputes are subject to Delhi jurisdiction only.

Use of this website and its services constitutes acceptance of this Disclaimer.