Terms of Service – Niveshya Advisory

1. About Niveshya Advisory

Niveshya Advisory provides professional services including, but not limited to

• Wealth Advisory
• Financial Planning
• Mutual Fund Distribution
• Insurance Advisory and Facilitation
• Accounting Services
• Taxation Services
• Business Advisory and Compliance Support

The scope of services may vary depending on the engagement agreed upon with each client.

2. Acceptance of Terms

By accessing our website, submitting information, or availing our services, you confirm that:

• You are legally competent to enter into a binding agreement.
• The information provided by you is accurate and complete.
• You agree to comply with these Terms and all applicable laws and regulations.

3. Nature of Services

Wealth Advisory Services

Niveshya Advisory provides guidance and recommendations based on information provided by the client. Investment decisions remain solely the responsibility of the client.

Accounting and Taxation Services

Services are rendered based on information, records, and documents provided by the client. Clients remain responsible for the accuracy and completeness of all submitted information.

Insurance Services

Insurance products are offered through authorized insurance partners. Policy issuance, claims settlement, and underwriting decisions are subject to the terms and conditions of the respective insurance company.

4. Client Responsibilities

Clients agree to:

• Provide accurate, complete, and updated information.
• Submit required documents within agreed timelines.
• Review reports, statements, and recommendations provided.
• Comply with applicable financial, tax, and regulatory requirements.
• Inform Niveshya Advisory of any material changes affecting services.

Niveshya Advisory shall not be liable for losses arising from inaccurate, incomplete, or delayed information provided by clients.

5. No Guarantee of Results

While Niveshya Advisory strives to provide professional and informed guidance:

• Investment returns are subject to market risks.
• Past performance does not guarantee future results.
• Financial and business outcomes cannot be guaranteed.
• Tax outcomes may vary depending on changes in laws and individual circumstances.

Clients acknowledge that all investment and business decisions involve inherent risks.

6. Fees and Payments

Where applicable:

• Fees for services shall be communicated and agreed upon before engagement.
• Clients agree to make payments within the specified timelines.
• Delayed payments may result in suspension or termination of services.
• Fees paid for completed services are generally non-refundable unless otherwise agreed in writing.

7. Confidentiality

Niveshya Advisory will maintain the confidentiality of client information and use reasonable safeguards to protect sensitive data.

Information may be disclosed only:

• With client authorization.
• To service providers involved in service delivery.
• To regulatory or legal authorities when required by law.

Further details are available in our Privacy Policy.

8. Intellectual Property

All content, materials, reports, presentations, logos, website content, and intellectual property belonging to Niveshya Advisory remain the exclusive property of Niveshya Advisory unless otherwise stated.

Clients may not reproduce, distribute, modify, or commercially exploit such materials without prior written consent.

9. Limitation of Liability

To the maximum extent permitted by law, Niveshya Advisory shall not be liable for:

• Investment losses.
• Market fluctuations.
• Business losses or missed opportunities.
• Delays caused by third parties or regulatory authorities.
• Consequential, indirect, incidental, or special damages.

The total liability of Niveshya Advisory, if any, shall be limited to the fees paid by the client for the specific service giving rise to the claim.

10. Third-Party Products and Services

Niveshya Advisory may facilitate access to products or services offered by third-party institutions, including mutual fund houses, insurance companies, banks, and technology providers.

Niveshya Advisory does not control or guarantee the performance, availability, or outcomes of such third-party products or services.

11. Website Usage

Users agree not to:

• Use the website for unlawful purposes.
• Attempt unauthorized access to systems or data.
• Upload malicious code or harmful content.
• Interfere with website functionality or security.

Niveshya Advisory reserves the right to restrict access for violations of these Terms.

12. Regulatory Compliance

Clients acknowledge that services provided by Niveshya Advisory are subject to applicable laws, regulations, and guidelines issued by relevant authorities and regulators in India.

Any regulatory changes affecting services may be implemented without prior notice where legally required.

13. Termination of Services

Either party may terminate the engagement by providing reasonable notice unless otherwise agreed.

Niveshya Advisory reserves the right to suspend or terminate services immediately in cases involving:

• Fraudulent activity.
• Misrepresentation of information.
• Non-payment of fees.
• Violation of applicable laws or these Terms.

14. Indemnification

Clients agree to indemnify and hold harmless Niveshya Advisory, its directors, employees, associates, and partners from any claims, losses, liabilities, or expenses arising from:

• Incorrect information provided by the client.
• Client decisions based on recommendations.
• Violation of applicable laws or regulations by the client.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India.

Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts having jurisdiction over the location of Niveshya Advisory's principal office.

16. Amendments

Niveshya Advisory reserves the right to modify these Terms at any time. Updated Terms will be posted on our website and become effective upon publication.

17. Contact Information

For any questions regarding these Terms of Service, please contact: