Disclaimer — ipowork

Nature of ipowork's Services

ipowork is an AI-powered capital markets research and decision-support platform. We aggregate, organise, and analyse data from multiple public and proprietary sources to generate research insights, risk indicators, and readiness assessments — collectively presented through our AIRA (AI-powered Readiness Assessment) scoring system.

ipowork is designed to help institutional professionals — including SEBI-registered Merchant Bankers, Alternative Investment Funds, Non-Banking Financial Companies, and Family Offices — make more informed, more cautious investment and financing decisions.

ipowork does not provide investment advice. Nothing on this platform, in any report, or in any communication from ipowork constitutes a solicitation to buy, sell, or hold any security, or a recommendation to provide or withhold financing to any entity.

Not Investment Advice or a Legal Opinion

ipowork's research outputs — including AIRA scores, pillar assessments, risk flags, and verdicts — are research tools, not advice. They are designed to support the due diligence process, not to replace it.

AIRA scores and intelligence reports do not constitute:

Investment advice or a recommendation to invest or not invest
A legal opinion on any matter relating to a company
An audit, accounting opinion, or financial certification
A credit rating or credit opinion
Regulatory approval or clearance of any kind
A guarantee of completeness, accuracy, or currency of information

Users must conduct their own independent due diligence and seek qualified professional advice — including from SEBI-registered investment advisors, chartered accountants, and legal counsel — before making any investment or financing decision.

Data Accuracy Statement

ipowork continuously validates and updates information from multiple reliable sources, including MCA21, Probe42, SEBI databases, credit rating agencies, EPFO, GST Network, and court records. While we strive to provide accurate, timely, and comprehensive research, the following limitations apply:

Source dependency: Information may be incorrect, incomplete, or outdated at the underlying source. ipowork reflects source data as received and cannot independently verify every data point.

Data lag: Financial statements, annual filings, and regulatory orders may be published with a delay of weeks to months after the underlying event. ipowork reports the most recently available filed data.

AI limitations: AI-assisted document analysis may occasionally misinterpret complex legal language or unusual financial structures. All AI outputs are reviewed by human analysts, but errors may occur.

No representation: No representation or warranty, express or implied, is made that any information on this platform is complete, accurate, current, or error-free. Information may change without notice.

Users remain solely responsible for independently verifying all material information before making any financial, legal, or investment decision.

Our Philosophy

These principles guide how ipowork builds and presents research:

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Data over intuition

Structured, evidence-based research produces better decisions than judgment alone. We provide the data layer that makes disciplined analysis possible.

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Better research, lower risk

Comprehensive intelligence — legal, forensic, financial, director, and credit — reduces the probability of avoidable investment losses.

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Verification is non-negotiable

Independent verification of material facts remains an essential part of every investment decision. ipowork supports, not replaces, that process.

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Independence is the moat

ipowork earns only from distribution. Our revenue model has no incentive to produce favourable research about any issuer. This is our core differentiator.

Permitted Use

ipowork's research and intelligence products are intended for use by:

✅SEBI-registered Merchant Bankers conducting pre-engagement due diligence on prospective issuers
✅SEBI-registered Alternative Investment Funds conducting investment screening and risk assessment
✅Non-Banking Financial Companies and lenders assessing creditworthiness and governance of potential borrowers
✅Family Offices and sophisticated investors conducting independent research as part of a broader due diligence process
✅Corporate professionals using ipowork as an internal research tool to supplement their own analysis

Restricted Use

The following uses of ipowork's research are expressly prohibited:

🚫Relying solely on ipowork's AIRA score or research as the basis for any investment or financing decision, without independent due diligence
🚫Reproducing, redistributing, reselling, or publishing ipowork reports without express written permission
🚫Using ipowork research to make public statements, marketing claims, or regulatory filings about any company
🚫Using ipowork as a substitute for independent legal, accounting, or financial advice
🚫Commercial redistribution of ipowork intelligence to third parties without a separate licensing agreement

Limitation of Liability

To the fullest extent permitted by applicable law, ipowork, its directors, employees, and data providers shall not be liable for any direct, indirect, incidental, special, or consequential loss or damage arising from reliance on information provided through this platform.

ipowork's liability, if any, shall be limited to the subscription fees paid by the user in the 12 months preceding the claim. This platform and all content are provided "as is" without warranty of any kind, express or implied.

Governing Law: This disclaimer and all matters relating to ipowork's services shall be governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts of New Delhi, India.

Contact: For questions regarding this disclaimer, write to legal@ipowork.com