Disclosures.

Firm registration and Form ADV.

Index Gurus, Inc. is a registered investment adviser. The firm operates as a fiduciary at all times, on all accounts, in all aspects of the client relationship. Index Gurus, Inc. is fee-only — we accept no commissions, no referral fees, no product placement payments, and no third-party compensation of any kind.

Where to find our official regulatory filings.

The U.S. Securities and Exchange Commission and state securities regulators jointly maintain the Investment Adviser Public Disclosure (IAPD) system, the official public database of registered investment adviser filings.

You can review the following documents for Index Gurus, Inc. on the IAPD website:

• Form ADV Part 1 — firm registration information, including ownership, business activities, and disciplinary history
• Form ADV Part 2A — the firm's brochure, describing services, fees, conflicts of interest, and advisory practices
• Form ADV Part 2B — the brochure supplement for individuals who provide advisory services

We encourage every prospective and existing client to review these documents. They are the authoritative regulatory record of the firm and reflect our current filings as accepted by the SEC and applicable state regulators.

Privacy policy.

Index Gurus, Inc. respects the privacy of visitors to this website and of clients who engage our services. This policy describes what information we collect through this website, how we use it, and the choices visitors have regarding their information. This policy applies to information collected through this website only; the firm's full privacy practices for client account information are described in our written privacy notice provided at the start of every advisory engagement and available on request.

Information we collect through this website.

We collect personal information only when visitors choose to provide it. Specifically:

• Contact form submissions: name, email address, and any additional information visitors provide in the message field
• Email correspondence: the email address and content of any message sent directly to faruk@indexgurus.com
• Calendar scheduling: name, email address, and time-slot preference when a visitor schedules a discovery call through our online scheduling tool
• Standard website analytics: aggregate, non-identifying information about how visitors use the website, including pages viewed, approximate location, browser type, and referring source

How we use this information.

Information collected through this website is used solely to:

• Respond to inquiries and questions from prospective clients
• Schedule and conduct discovery calls
• Communicate about advisory services that visitors specifically inquire about
• Improve the website's content, structure, and user experience
• Comply with applicable legal, regulatory, and recordkeeping obligations

What we do not do.

• We do not sell, rent, or trade visitor information to any third party for any purpose
• We do not use visitor information for advertising or marketing on third-party platforms
• We do not share visitor information with anyone outside the firm except as required to provide the service the visitor requested (for example, the scheduling tool provider) or as required by law

Service providers we work with.

To operate this website and our scheduling and email systems, we use third-party service providers including Squarespace (website hosting), Google (calendar scheduling), and standard email services. These providers process information only as needed to provide their services to us and are subject to their own privacy policies.

Your privacy rights.

If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) give you specific rights regarding personal information that businesses collect about you, including:

• The right to know what personal information we have collected about you
• The right to request deletion of your personal information, subject to certain exceptions
• The right to correct inaccurate personal information
• The right to opt out of any sale or sharing of your personal information (we do not sell or share personal information for cross-context behavioral advertising)
• The right to non-discrimination for exercising these rights

To exercise any of these rights, contact us at faruk@indexgurus.com. We will respond within the timeframes required by applicable law.

How long we keep information.

We retain personal information collected through this website only as long as needed to respond to the visitor's inquiry, fulfill any related communications, and meet our legal and regulatory recordkeeping obligations. Inquiries that do not result in an advisory engagement are typically retained for a limited period and then deleted in the ordinary course of business.

Changes to this policy.

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. The "Last updated" date at the top of this page reflects when the policy was most recently revised.

Trademarks and credentials.

CFP Board owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER® in the U.S. These marks are awarded to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

The Chartered Financial Consultant® (ChFC®) credential is administered by The American College of Financial Services. ChFC® is a registered trademark of The American College of Financial Services.

Faruk Jaffer, founder of Index Gurus, Inc., holds both the CFP® certification and the ChFC® credential. These credentials reflect demonstrated educational, examination, and ethical requirements established by the respective certifying organizations.

Risk disclosures and forward-looking statements.

General educational nature of website content.

Information on this website is educational in nature and is provided for general informational purposes only. Nothing on this website constitutes personalized investment, financial, tax, legal, or retirement plan design advice. Personalized advice can be provided only through a formal advisory engagement governed by a signed written agreement.

Illustrative examples and hypothetical scenarios.

Scenario modeling, sample portfolios, hypothetical projections, and illustrative dollar figures that appear throughout this website are educational only and do not represent the experience of any specific client. Specific recommendations and outcomes for any given household depend on that household's actual circumstances, the tax law and IRS limits in effect at the time, and the broader market environment.

References to client situations.

Descriptions of types of client situations and categories of work the firm has performed are illustrative of the range of work Index Gurus, Inc. undertakes. They are not testimonials, do not represent the experience of any specific client, and should not be interpreted as a promise of similar outcomes for future clients.

Investment risk.

All investments involve risk, including the possible loss of principal. Diversification does not guarantee a profit or protect against loss. Past performance is not indicative of future results. Concentrated single-stock positions, including positions in employer stock, carry substantial risk of loss. Investment strategies described on this website reflect the firm's general approach; specific portfolio recommendations depend on each client's individual circumstances, objectives, time horizon, and risk tolerance.

Forward-looking views and market outlook.

The firm publishes a Quarterly Market Perspective and references current market views throughout the website. These forward-looking views reflect the firm's analysis as of the date stated and are subject to change without notice. Forward-looking views involve risk and uncertainty; actual market outcomes may differ materially from any view expressed.

Tax law and regulatory references.

References to IRS limits, tax law, IRMAA brackets, contribution caps, and similar regulatory rules reflect the rules in effect as of the date of publication. Tax law is subject to change, and the application of any rule to a specific household depends on that household's individual circumstances. Tax-related strategies described on this website should not be acted upon without consultation with a qualified tax professional.

Third-party content and trademarks.

The website references third-party products and services, including Envestnet MoneyGuide® planning software, Charles Schwab as custodian, and other third-party providers. References to these third parties are factual and do not constitute endorsement by those third parties of Index Gurus, Inc. Third-party trademarks are the property of their respective owners.

Compliance contact.

Questions regarding any of the disclosures on this page, the firm's Form ADV filings, the firm's privacy practices, or any other compliance-related matter can be directed to:

Faruk Jaffer
Founder & Principal, Index Gurus, Inc.
faruk@indexgurus.com

For the most current regulatory record of the firm, please refer to the firm's filings on the SEC's Investment Adviser Public Disclosure system at adviserinfo.sec.gov.