Terms and Conditions

Acceptance of these terms

These Terms and Conditions ("Terms") govern your access to and use of the Finance Asset Savings website and any related pages owned or operated by us. By accessing or using this website, you accept these Terms in full. If you do not accept them, please discontinue use of the site.

Your use of the site is also subject to our Privacy Policy, which explains how we handle personal information.

Our role and the nature of our content

Finance Asset Savings provides financial guidance and facilitation across lending, wealth and investment planning, taxation and insurance. The content published on this website is general information. It is provided for educational purposes and is not a substitute for personalised advice.

Nothing on this website constitutes an offer, a solicitation, or a guarantee of any outcome. Any decision you take remains yours, and it should be made after a conversation in which we have understood your specific circumstances.

No professional advice without an engagement

Reading our pages, downloading material, subscribing to our newsletter, or sending us a general enquiry does not create an advisor–client relationship. Such a relationship begins only when it is agreed in writing and we have completed the necessary onboarding and disclosure steps.

Where a written engagement exists, its terms take precedence over anything stated on this website.

Eligibility and your responsibilities

You must be of legal age to enter into a contract in your jurisdiction in order to use this website or engage our services. You agree to:

• Provide information that is accurate, complete and not misleading.
• Use the website only for lawful purposes and in a way that does not harm others.
• Keep confidential any login credentials or documents shared with you as part of an engagement.
• Inform us promptly if any information you have given us changes materially.

Acceptable use

You may view, download and print pages from this website for your own reference. You may not:

• Republish, sell, rent or commercially exploit content from this site without our written permission.
• Copy or redistribute our materials in a way that suggests we endorse another product or service.
• Attempt to gain unauthorised access to any part of the site, its server or any connected system.
• Introduce malicious code, scrape content at scale, or interfere with the normal operation of the site.
• Use our name, logo or content in a misleading manner.

Intellectual property

Unless stated otherwise, the text, graphics, layout, logos, icons and other material on this website are owned by or licensed to Finance Asset Savings and are protected by applicable intellectual property laws. Our name and logo may not be used in connection with any product or service without prior written consent.

You may quote short extracts from our articles for non-commercial purposes with clear attribution and a link back to the original page.

Information you send us

Any information, feedback or document you send through this website is treated in accordance with our Privacy Policy. You confirm that you have the right to share that information with us, and that it does not infringe the rights of any third party.

Please avoid sending confidential or highly sensitive documents through the website enquiry form. Where such documents are required, we will provide a secure method of transfer.

Third-party links and services

This website may reference or link to third-party websites, lenders, insurers or service providers. Those references are provided for convenience and do not constitute an endorsement. We are not responsible for the content, accuracy, security or practices of any third-party site, and their own terms and policies will apply when you use them.

Limitation of liability

To the extent permitted by law, Finance Asset Savings, its directors, employees and advisors will not be liable for any indirect, incidental, consequential or special loss arising from your use of, or reliance on, this website or its content.

We take care to keep information accurate and current, but we do not warrant that the site will be uninterrupted, error-free or free of harmful components, or that its content is complete or up to date at all times.

Indemnity

You agree to indemnify and hold harmless Finance Asset Savings and its team from any claim, loss, liability, cost or expense arising out of your breach of these Terms, your misuse of the website, or any information you provide that is unlawful or infringes the rights of another person.

Newsletter and communications

When you subscribe to our newsletter, you agree to receive periodic emails from us. You may unsubscribe at any time using the link in any email or by visiting our unsubscribe page.

Email is not a secure channel. We will not send sensitive personal or financial details by email, and we ask that you do not send them to us by email either.

Governing law and jurisdiction

These Terms are governed by the laws of India, and the courts having competent jurisdiction shall have exclusive jurisdiction over any dispute arising from them, without prejudice to any mandatory consumer protection rights you may have under the law of your own country.

Changes to these terms

We may revise these Terms from time to time to reflect changes in our services or in the law. The most recent version will always be published on this page, and your continued use of the website after any change indicates acceptance of the revised Terms.

Contact us

If you have a question about these Terms, please write to us using the details on our contact page and we will be glad to clarify.