Terms & Conditions

Please read these terms before using this website. By accessing the site or submitting an enquiry through it, you accept them. If you do not agree, please do not use this website.

1. Acceptance of Terms

Your use of this website constitutes acceptance of these Terms & Conditions as published at the time of use. These terms may be revised, and the version in force is the one displayed on this page.

2. Website Use

This website may be used for lawful purposes only — to learn about the advisory services offered and to make an enquiry. You agree not to attempt to disrupt the website, gain unauthorised access to it, copy its content for republication, or use it to transmit unlawful or harmful material.

3. General Information Disclaimer

All content on this website is provided for general information only. It does not take into account your particular financial position, needs or objectives, and should not be treated as personalised financial, legal or tax advice. Please discuss your specific situation before acting on anything you read here.

4. Insurance Information Disclaimer

Descriptions of insurance and planning categories on this website are summaries written in plain language. The features, benefits, exclusions, waiting periods, charges and payout conditions of any insurance product are governed entirely by the policy document, prospectus and sales literature issued by the insurance company concerned. Where anything on this website differs from those documents, the insurer's documents prevail. Please read them carefully before concluding a purchase.

5. No Guarantee of Policy Approval

Policies are issued by insurance companies, not by the advisor. Acceptance of a proposal, the premium charged, any loading applied and the final decision on issuance rest solely with the insurer, based on its own underwriting. No assurance of approval is given or implied by this website or by any discussion arising from it.

6. No Guarantee of Returns or Financial Outcomes

Insurance and investment-linked products may be subject to product terms and, in some cases, market risk. Any illustration of maturity value, pension amount, corpus or benefit is a projection based on stated assumptions and is not a promise or guarantee of future results. Past performance does not indicate future performance. Claim outcomes depend on the policy terms and on the insurer's assessment of each claim.

7. Advisor-Client Communication

Submitting an enquiry through this website does not by itself create an advisory relationship or any obligation on either side. Communication by phone, WhatsApp or email is for discussion and servicing purposes. Please provide accurate and complete information in any proposal form, since incorrect or withheld information can cause an insurer to reject a claim later. Premiums should be paid to the insurance company through official channels only.

8. Third-Party Links

This website links to third-party services such as WhatsApp, Google Maps and email applications. Those services operate under their own terms and privacy policies. We are not responsible for their content, availability, security or practices.

9. Intellectual Property

10. Limitation of Liability

This website is provided on an “as is” basis. While care is taken to keep the information accurate and current, no warranty is given that it is complete, error-free or uninterrupted. To the extent permitted by law, we are not liable for any indirect or consequential loss arising from use of this website or from reliance on its general content. Nothing in these terms limits any liability that cannot be excluded under applicable law.

11. Website Changes

Content, sections and features of this website may be added, changed or removed at any time without notice. These terms may also be updated, and the revised version applies from the date it is posted on this page.

12. Governing Law

13. Contact Information

For any question about these terms, please get in touch.