Investment Disclaimer

This Investment Disclaimer ("Disclaimer") contains important regulatory and risk disclosures regarding Lumio Capital and the information presented on lumiocap.com. By accessing this website or submitting a pitch, you acknowledge that you have read and understood this Disclaimer. If you do not agree, do not use this website.

Lumio Capital is the venture arm and brand operated by the company identified in the footer, a company incorporated under the Companies Act, 2013, with its principal place of business as stated in the footer.

Lumio Capital is a small, operator-led venture initiative within the operating company — not a standalone Alternative Investment Fund (AIF), mutual fund, collective investment scheme, or separate asset management entity. Investment decisions, where made, are undertaken by the operating company directly in accordance with applicable Indian laws.

The operating company, operating the Lumio Capital brand, is not registered with the Securities and Exchange Board of India (SEBI) as:

• An Investment Adviser under the SEBI (Investment Advisers) Regulations, 2013;
• A Portfolio Manager under the SEBI (Portfolio Managers) Regulations, 2020;
• An Alternative Investment Fund (AIF) under the SEBI (Alternative Investment Funds) Regulations, 2012;
• A Research Analyst under the SEBI (Research Analysts) Regulations, 2014;
• A Merchant Banker under the SEBI (Merchant Bankers) Regulations, 1992;
• A Stock Broker or Depository Participant under applicable SEBI regulations.

References to "investment," "capital," or "backing" on this website describe the business activities of a private company's venture initiative and do not imply registration as a regulated financial intermediary unless expressly stated in a separate legal document.

Nothing on this website — including text, graphics, pitch submission forms, responses to enquiries, or any communication — constitutes:

• An offer to sell or a solicitation of an offer to buy any securities, shares, debentures, or other financial instruments;
• A public offer under the Companies Act, 2013 or the Securities Contracts (Regulation) Act, 1956;
• An advertisement or invitation to subscribe to securities requiring SEBI or other regulatory approval;
• A recommendation or endorsement of any particular investment, security, or course of action.

Any potential investment arrangement would be subject to separate due diligence, negotiation, definitive documentation, and compliance with applicable corporate, securities, foreign exchange, and tax laws — including private placement requirements under the Companies Act, 2013 and rules thereunder, where applicable.

All content on this website is provided for general informational purposes only. It does not constitute investment, financial, legal, tax, accounting, or regulatory advice. You should consult qualified professionals — including chartered accountants, lawyers, and SEBI-registered advisers where appropriate — before making business or investment decisions. We do not assume any fiduciary duty to website visitors or pitch submitters unless expressly agreed in a separate written agreement.

Investing in early-stage and pre-seed ventures involves substantial risks, including but not limited to:

• Total loss of invested capital;
• Illiquidity and absence of a ready secondary market;
• High failure rates among startup businesses;
• Dilution from future fundraising rounds;
• Regulatory, compliance, and licensing risks in the founder's sector;
• Dependence on key founders and execution risk;
• Market, technology, and competitive uncertainties.

Past operational experience of the operating company or its team is not indicative of future investment outcomes. Any decision to invest or accept investment involves independent judgement and risk assessment.

Participation in any investment process may be subject to eligibility requirements under applicable law, including know-your-customer (KYC) and anti-money laundering (AML) checks under the Prevention of Money Laundering Act, 2002 and RBI/SEBI guidelines where applicable. We reserve the right to decline any submission or transaction that does not meet legal, regulatory, or internal policy requirements.

Investments involving foreign founders, foreign investors, or cross-border fund flows may be subject to the Foreign Exchange Management Act, 1999 (FEMA), RBI regulations, and sectoral caps. Nothing on this website constitutes advice on FEMA compliance. Parties must obtain independent advice and requisite approvals before undertaking cross-border transactions.

The operating company and its directors, officers, employees, or affiliates may have existing or future business relationships, investments, or commercial interests that could present actual or perceived conflicts of interest. We endeavour to manage conflicts appropriately in any investment process, but website visitors should not assume independence from the operating company's broader commercial activities.

This website may contain forward-looking statements regarding investment focus, strategy, sectors of interest, or business outlook. Such statements are based on current expectations and involve risks and uncertainties. Actual results may differ materially. We undertake no obligation to update forward-looking statements except as required by law.

While we endeavour to keep website content accurate and current, we make no representation or warranty as to completeness, accuracy, or timeliness. You should not rely solely on website content for investment or business decisions. Information may be changed without notice.

Links to third-party websites, including the company website linked in the footer, pitch deck hosts, or professional networks, are provided for convenience. We do not control third-party content and are not responsible for their accuracy, security, or privacy practices.

This website is primarily directed at users in India. We make no representation that content is appropriate or lawful in jurisdictions outside India. Users accessing the website from other countries do so on their own initiative and are responsible for compliance with local laws.

This Disclaimer is governed by the laws of India. Disputes relating to this Disclaimer or reliance on website content shall be subject to the exclusive jurisdiction of the competent courts in the jurisdiction specified in the footer, unless otherwise required by mandatory applicable law.

By using this website or submitting a pitch, you confirm that you have read this Investment Disclaimer and understand that Lumio Capital is not a SEBI-registered intermediary, that no offer or solicitation is made through this website, and that early-stage investment involves significant risk. Questions may be directed to legal@lumiocap.com.