Terms and Conditions of Use

1. Regulatory Status & Nature of Services

• ⚠️ No Advisory Services: Nani Bachat Financial Services operates strictly as an AMFI-Registered Mutual Fund Distributor holding ARN-266042. This website serves purely as a marketplace platform designed to distribute and facilitate access to regulated third-party financial instruments, including Mutual Funds, Fixed Deposits, Insurance, and Bonds.
• ⚠️ No Fiduciary Relationship: Content, data, and calculations presented across this website do not constitute investment advice, legal counsel, or tax planning under the SEBI (Investment Advisers) Regulations. Users are strongly encouraged to assess product suitability based on their individual risk appetite or consult an independent professional before completing a purchase.

2. Market and Product Risks

• 📈 Mutual Fund Risk Disclaimer: All Mutual Fund allocations and market-linked products distributed on this site are subject to inherent market volatilities. Net Asset Values (NAV) may fluctuate based on underlying economic factors. Past historical performances do not serve as indicators or assurances of future compounding yields.
• 🛡️ Third-Party Structural Terms: Insurance frameworks, Fixed Deposits, and Bonds showcased on this platform are completely governed by the operational terms, declarations, and payout guidelines outlined by their respective parent institutions (AMCs, Insurance Providers, Banks, or Issuing Corporations). Nani Bachat Financial Services holds no liability for modifications made to interest rates, policy terms, or credit scores by the issuing third parties.

3. Accuracy of Data and Calculators

• 📊 Illustrative Estimations Only: All financial evaluation interfaces, compounding grids, and SIP/Lumpsum calculators available on this portal are designed to serve as educational estimation tools only. The numerical readouts are generated using standard mathematical compound interest logic and must not be interpreted as absolute, legally binding return guarantees.
• 🔍 Information Authenticity: While we make every structural effort to maintain updated interest rates, credit rankings, and policy product features, we make no explicit warranties regarding the absolute real-time accuracy, completeness, or continuous availability of third-party data feeds displayed on the portal.

4. User Obligations and Account Execution

• ✔️ True Identification: Users accessing transactional interfaces or routing documentation through our support channels agree to provide authenticated, legally true credentials, PAN numbers, and KYC details.
• ✔️ Prohibited Activities: You are strictly prohibited from utilizing this platform to deploy unauthorized automated scrapers, inject malicious code, or submit fraudulent transactional requests.

5. Limitation of Liability

To the maximum extent permitted under applicable Indian financial guidelines, Nani Bachat Financial Services, its proprietors, and its employees shall not be held liable for any direct, indirect, incidental, or consequential financial losses, transaction delays, or asset value drops resulting from network downtime, third-party platform failures, or market shifts.

6. Governing Law and Jurisdiction

These Terms and Conditions are built, interpreted, and governed in complete accordance with the prevailing digital and financial laws of the Republic of India. Any legal disputes, grievances, or arbitration actions arising out of your platform interaction shall fall under the exclusive jurisdiction of the competent courts located in Ahmedabad, Gujarat, India.

7. Modifications to Terms

We reserve the absolute regulatory right to append, alter, or replace these Terms and Conditions at any moment to conform with new SEBI, AMFI, IRDAI, RBI, or PFRDA mandates. Your continued usage of our web platform after edits are posted signifies your implicit acceptance of the revised legal terms.