Terms & Conditions — Praveen Wealth Advisor

1. Acceptance of Terms

By accessing or using praveenwealthadvisor.com, you agree to these Terms & Conditions. If you do not agree, please discontinue use. These Terms apply to all website visitors, prospects, and clients who interact with our digital channels.

2. Scope of Services

We provide financial education & advisory services relating to life insurance, savings/guaranteed plans, retirement/pension products, child education planning, and market-linked (ULIP) concepts. Our role is to explain options, educate on features, and help you align choices to your goals and budget.

Final product selection and purchase decisions rest with you. Issuance, acceptance, and servicing of policies are carried out by the respective IRDAI-registered insurers as per their processes and discretion.

3. Independence & No Representation

Praveen Sharma operates as an independent advisor. We do not represent or speak on behalf of any specific insurer. Mentions of insurers (if any) are solely to provide neutral, need-based comparisons. Nothing on this website should be interpreted as an endorsement, offer, or solicitation for any particular insurer or product.

4. Product Information & Verification

Information shared on this website is for educational purposes. Features, premiums, benefits, charges, eligibility, and terms are governed exclusively by each insurer’s official brochure, filed documents, and policy wording as approved by IRDAI. You agree to verify all details using the insurer’s official documents and to review the Benefit Illustration before purchase.

5. No Guarantee of Returns

We do not guarantee returns or outcomes. Any projections, if shown, are illustrative and subject to market conditions and the insurer’s filed product features. Guarantees, if any, are strictly as per the respective policy’s terms issued by the insurer.

6. Visuals & Illustrations

All visuals, icons, infographics, and calculations on this website are for illustration only and may not depict actual policy performance or legal wording. Always rely on official insurer documents.

7. Fees, Compensation & Payments

• Advisory is typically provided without direct fees to clients; where applicable, any fee will be disclosed in advance.
• We may receive standard commissions from insurers as per IRDAI norms; this does not affect our need-based recommendations.
• No cash handling: all premiums are paid directly to the insurer through approved modes (online/cheque/NACH) on official channels only.

8. Client Responsibility & Eligibility

• Provide accurate and complete information in forms and proposals.
• Meet KYC, medical, and underwriting requirements set by insurers.
• Disclose existing policies and health details truthfully to avoid claim issues.

9. Communications & Consent

By sharing your contact details or chatting with us on WhatsApp, you consent to receive responses, follow-ups, and educational updates related to your inquiry. You can opt out any time by replying “STOP” on WhatsApp or by emailing us.

10. Data & Privacy

We respect your privacy. Please read our Privacy Policy for details on what we collect, how we use it, and your rights to access or deletion.

11. Regulatory Compliance (IRDAI)

We follow applicable IRDAI regulations and advisory conduct. Recommendations are need-based and sourced through authorized IRDAI-registered insurers. Policy issuance and servicing remain the responsibility of the insurer.

12. Limitation of Liability

To the fullest extent permitted by law, Praveen Wealth Advisor shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, or use, arising from your use of this website or reliance on its content. Our total liability, if any, shall not exceed the amount you paid to us for advisory services, if applicable.

13. Tax Treatment

Any potential tax benefits depend on prevailing law and individual eligibility. You should consult a qualified tax professional. We do not provide tax or legal advice.

14. Third-Party Sites

Links to insurer portals or resources are provided for convenience. We are not responsible for their content, terms, or privacy practices. Review their policies before sharing information.

15. Changes to These Terms

We may update these Terms to reflect regulatory or website changes. The “Last Updated” date will indicate revisions. Continued use of the site constitutes acceptance of the revised Terms.

16. Governing Law & Dispute Resolution

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of competent courts in Ambala, Haryana. You agree to first attempt an amicable resolution by contacting us with details of the concern.

17. Contact