Terms of Use.
Clearly stated.

01

Acceptance of Terms

These Terms of Use ("Terms") apply to all visitors and users of the website operated by Hemvan Wealth Advisory ("Hemvan", "we", "our", or "us"). By accessing or using this website, you accept these Terms in full. If you disagree with any part of these Terms, your only recourse is to stop using this website.

These Terms should be read together with our Privacy Policy and Disclaimer, which are incorporated into these Terms by reference.

02

Nature of This Website

This website is operated for general informational purposes about Hemvan Wealth Advisory and the services we offer. Nothing on this website constitutes personalized financial advice, a solicitation to invest, or a recommendation to buy or sell any financial product.

Examples, illustrations, and commentary about investments or financial planning on this site are educational in nature. They do not account for your specific financial situation, goals, risk tolerance, or tax circumstances. For advice that applies to your situation, please contact us directly and enter into a formal engagement.

03

Advisory Services

Formal advisory and wealth management services from Hemvan are provided only under a written engagement agreement entered into between you and Hemvan Wealth Advisory. Visiting this website or submitting an enquiry form does not create any advisory, fiduciary, or contractual relationship.

All advisory services provided by Hemvan are subject to applicable regulations, including SEBI guidelines, AMFI circulars, and IRDAI regulations, depending on the nature of products or services involved. Clients are required to complete KYC formalities before any service engagement begins.

04

User Obligations

By using this website, you agree to use it only for lawful purposes. You must not:

• Copy, reproduce, modify, or distribute any content from this site without our prior written consent
• Attempt to gain unauthorized access to any part of the website or its underlying infrastructure
• Introduce malware, viruses, or any other harmful code into the website
• Misrepresent your identity or affiliation in any enquiry or communication with us
• Use any data obtained from this website for commercial purposes without our explicit permission
• Take any action that may interfere with the website's availability or performance

We reserve the right to restrict or block access to any user who violates these obligations.

05

Intellectual Property

All content on this website, including but not limited to text, graphic design, layout, the Hemvan Wealth Advisory name, and logo, is owned by or licensed to Hemvan Wealth Advisory and is protected under applicable Indian intellectual property laws.

You are permitted to view and print pages from this website for your personal, non-commercial reference only. Any other use, including reproduction, redistribution, modification, or publication, requires our prior written consent.

06

Third-Party Links

This website may contain links to third-party websites, including mutual fund portals, financial news sources, or regulatory websites. These links are provided for convenience only and do not constitute an endorsement or affiliation.

Hemvan Wealth Advisory has no control over the content, accuracy, or availability of third-party websites and accepts no responsibility for them. Your use of any linked site is at your own risk and is governed by the terms and policies of that site.

07

Limitation of Liability

To the maximum extent permitted under applicable Indian law, Hemvan Wealth Advisory, its directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive loss or damage arising from:

• Your use of or inability to use this website
• Reliance on any information published on this website
• Any interruption, error, or omission in the content of this website
• Unauthorized access to your personal information resulting from circumstances beyond our reasonable control

Nothing in these Terms limits our liability for fraud, gross negligence, or any liability that cannot be excluded under applicable law.

08

Investment Risk Notice

All investments in financial products carry inherent risk. The value of investments may fall as well as rise. Returns shown in any examples or case studies on this website are illustrative and are not a representation of past performance or a guarantee of future results.

Before making any investment decision, you should consider your individual financial objectives, risk tolerance, and investment horizon. We strongly recommend obtaining personalized advice from a qualified financial advisor. Please read our Disclaimer for a full risk disclosure.

09

Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of India, including the Information Technology Act, 2000, and other applicable statutes.

Any dispute, claim, or controversy arising from or in connection with these Terms, or your use of this website, shall be subject to the exclusive jurisdiction of the courts at Gautam Buddha Nagar (Noida), Uttar Pradesh, India.

10

Modifications

We may revise these Terms of Use at any time without prior notice. The updated version will be published on this page with a revised "Last Updated" date. Continued use of this website after any modifications constitutes your acceptance of the updated Terms.

We recommend reviewing these Terms periodically. If you are a client and a material change affects your engagement with us, we will notify you directly.