Terms & Conditions

Last Updated: January 13, 2026

Welcome to Navemarg Financial Services. By accessing or using our website and services, you agree to be bound by these Terms and Conditions. Please read them carefully before using our services.

1. Acceptance of Terms

By accessing and using the services provided by Navemarg Financial Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, along with our Privacy Policy. These terms apply to all visitors, users, and others who access or use our services.

2. Services Description

Navemarg Financial Services provides financial planning, wealth management, and investment advisory services. Our services include:

• Financial planning and consultation
• Investment advisory services
• Mutual fund distribution
• Insurance advisory and distribution
• Retirement planning
• Tax planning guidance

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of India or have valid documentation for NRI services
• Provide accurate and complete information as required
• Have the legal capacity to enter into binding contracts

4. User Responsibilities

As a user of our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Use our services only for lawful purposes
• Not engage in any activity that interferes with or disrupts our services

5. Investment Risks Disclaimer

We provide information and recommendations based on our analysis and your stated financial goals. However, all investment decisions are ultimately your responsibility. We do not guarantee any specific returns or outcomes.

6. Regulatory Compliance

Navemarg Financial Services operates in compliance with:

• Securities and Exchange Board of India (SEBI) regulations
• Association of Mutual Funds in India (AMFI) guidelines
• Insurance Regulatory and Development Authority of India (IRDAI) norms
• All applicable Indian financial services laws and regulations

7. Fees and Payments

Our fee structure will be clearly communicated to you before the commencement of any services. Fees may include:

• Consultation fees for financial planning services
• Commission on mutual fund and insurance products as per regulatory guidelines
• Service charges for specific advisory services

All applicable taxes will be charged as per prevailing Indian tax laws.

8. Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, and software, is the property of Navemarg Financial Services and is protected by Indian and international copyright laws. You may not reproduce, distribute, or create derivative works without our express written permission.

9. Limitation of Liability

To the maximum extent permitted by law, Navemarg Financial Services shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Investment losses resulting from market fluctuations
• Any damages arising from your use or inability to use our services

10. Indemnification

You agree to indemnify and hold harmless Navemarg Financial Services, its directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

11. Termination

We reserve the right to suspend or terminate your access to our services at any time, without prior notice, for conduct that we believe violates these Terms and Conditions or is harmful to other users, us, or third parties, or for any other reason at our sole discretion.

12. Governing Law

These Terms and Conditions 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 in Margao, Goa, India.

13. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after any changes constitutes your acceptance of the new terms.

14. Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these terms shall otherwise remain in full force and effect.