Important Disclosure Information
Penserra Wealth Management LLC (“Penserra”) is a Registered Investment Advisor (“RIA”), located in the State of California. Penserra provides investment advisory and related services for clients nationally. Penserra will maintain all applicable registration and licenses as required by the various states in which Penserra conducts business, as applicable. Penserra renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.
Please read these terms and conditions of use (“Terms”) carefully before using the website located at www.Penserrawealth.com (“Website”) or any of the information or services provided by Penserra Wealth Management LLC (collectively “Penserra”, “we”, “our”, “us”) in connection with the Website. By using the Website, you acknowledge that you have read and understood these Terms and accept to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Website or any of the information or services provided by Penserra in connection with the Website and should promptly terminate all use thereof. The terms “you” and “your” mean you and any entity you may represent in connection with the use of the Website. You may use your browser to download or print a copy of these Terms for your records.
Penserra reserves the right to change, modify, add or remove portions of these Terms at any time for any reason. We suggest that you review these Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our website after we have posted changes to these Terms, you are agreeing to these Terms as modified.
These Terms were last updated on December 31, 2025.
Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy will be profitable.
Asset allocation may be used in an effort to manage risk and enhance returns. It does not, however, guarantee a profit or protect against loss. Performance of the asset allocation strategies depends on the underlying investments.
This website is intended to provide general information about Penserra and its services. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.
Market data, articles and other content on this website are based on generally available information and are believed to be reliable. Penserra does not guarantee the accuracy of the information contained in this website. The information is of a general nature and should not be construed as investment advice.
Please remember that it remains your responsibility to advise Penserra, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services.
Penserra will provide all prospective clients with a copy of our current Form ADV, Part 2A (“Disclosure Brochure”) and the Brochure Supplement for each advisory person supporting a particular client. You may obtain a copy of these disclosures on the SEC website at http://adviserinfo.sec.gov or you may Contact Us to request a free copy via .pdf or hardcopy.
Penserra is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described in our Privacy Policy.
Penserra does not collect personal non-public information through this website; however, the Advisor may collect information from you on application forms, agreements, profile or investment policy statements, and other documents received or processed in relation to services we provide. We also may collect information from other sources.
We do not respond to “do not track” requests because we do not track you over time or across third party websites to provide targeted advertising. We may track you across our website to help us improve our content.
We may use “cookies” and similar online technologies to keep, and sometimes track, information about you regarding your usage of our website. Cookies are small data files that are sent to your browser or related software from a Web server and stored on your device. Cookies help us to collect information about your usage of our website, including date and time of visits, pages viewed, amount of time spent on our sites, or general information about the device used to access the site, such as the browser used. You can refuse to store or delete cookies by configuring your web browser settings. Most browsers and mobile devices have their own settings to manage cookies. If you refuse a cookie when on our website, or if you delete cookies, you may experience some inconvenience in your use of our website, such as having to re-configure preferences.
When you are on this website you may have the opportunity to click-through to other websites, including websites operated by unaffiliated third parties. These sites may collect nonpublic personal Information about you. We do not control sites operated by these entities and are not responsible for the information practices of these sites. This Privacy Policy does not address the information practices of other websites. The privacy policies of websites operated by third parties are located on those sites.
Penserra often communicates with its clients and prospective clients through electronic mail (“email”) and other electronic means. Your privacy and security are very important to us. Penserra makes every effort to ensure that email communications do not contain sensitive information. We remind our clients and others not to send Penserra private information over email. If you have sensitive data to deliver, we can provide secure means for such delivery.
Please note: Penserra does not accept trading or money movement instructions via email. As a registered investment advisor, Penserra emails may be subject to inspection by the Chief Compliance Officer (“CCO”) of Penserra or the securities regulators. If you have received an email from Penserra in error, we ask that you contact the sender and destroy the email and its contents.
If you have any questions regarding our email policies, please get in touch.
Penserra may utilize third-party websites, including social media websites, blogs and other interactive content. Penserra considers all interactions with clients, prospective clients and the general public on these sites to be advertisements under securities regulations. As such, Penserra generally retains copies of information that Penserra or third parties may contribute to such sites. This information is subject to review and inspection by the CCO of Penserra or the securities regulators.
Information provided on these sites is for informational and/or educational purposes only and is not, in any way, to be considered investment advice nor a recommendation of any investment product. Advice may only be provided by Penserra’s advisory persons after entering into an advisory agreement and provided Penserra with all requested background and account information.
TYPES OF MESSAGES
By opting into SMS communications with Penserra Wealth Management LLC (“Penserra”), you may receive text messages related to:
• Account & service updates – document requests, account notifications, and service-related changes
• Appointment reminders – confirmations or reminders for scheduled calls and advisor reviews
• Onboarding communications – guidance and follow-up during the client onboarding process
• Portfolio alerts – time-sensitive informational notices relevant to your account (not investment advice)
• Compliance & regulatory notices – required disclosures and regulatory communications
• General firm updates – service announcements and educational resources
Note: Penserra does not accept trading instructions or money movement requests via SMS. All such requests must be submitted through approved channels.
MESSAGE FREQUENCY
Message frequency varies based on your account activity. You can generally expect no more than 4–6 messages per month[LF1] , plus transactional messages as needed (e.g., appointment confirmations). Frequency may be higher during onboarding.
MESSAGE & DATA RATES
Message and data rates may apply. Standard messaging rates charged by your mobile carrier apply to all SMS messages sent to and received from Penserra. Penserra is not responsible for any charges incurred through your carrier. Contact your carrier for details about your messaging plan.
PRIVACY POLICY
Your privacy is important to us. Here is how your information is used:
• How your data is used: Your mobile number and SMS opt-in information are collected solely for the purpose of communicating with you in connection with your relationship with Penserra Wealth Management. We do not use your information for marketing profiling or automated decision-making. • Third-party sharing: SMS opt-in information and phone numbers collected for SMS purposes are not shared with third parties for marketing purposes.
• How to reach us by text: Because Penserra uses Microsoft Teams for SMS, your messages are delivered directly to the Penserra team member assigned to your account. You can reply to any text from Penserra to reach them directly. If you are unsure which number to use, contact us at info@penserrawealth.com and we will connect you with the right person. Our full Privacy Policy is available at: https://penserrawealth.com/disclosures
HELP
For assistance with our SMS program, reply HELP to any Penserra text message. You may also contact us at:
• Email: info@penserrawealth.com
• Web: penserrawealth.com/contact-us
OPT-OUT INSTRUCTIONS
You may stop receiving SMS messages at any time. Because Penserra uses Microsoft Teams for SMS, opt-outs are managed at the conversation level, meaning your opt-out applies to the specific Penserra team member whose number you are texting.
To opt out, reply to any Penserra text with any of the following keywords: STOP | QUIT | END | REVOKE | OPT OUT | CANCEL | UNSUBSCRIBE
Once received, Teams will automatically stop messages from that number and send you a one-time confirmation text. If you correspond with multiple Penserra team members via SMS, you may need to send an opt-out keyword in each conversation — or email info@penserrawealth.com and we will ensure all SMS communications from Penserra are stopped. To resume receiving messages after opting out, reply START to the same number or contact your advisor directly.
These terms may be updated periodically. Continued participation in the SMS program constitutes acceptance of any revised terms. Penserra Wealth Management LLC is a Registered Investment Advisor located in the State of California.
If you have any questions regarding our policies, please get in touch.