Terms of Service

1. Acceptance of Terms

By accessing or using the Navansh Finserv website (navansh.in), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our website or services.

2. Nature of Services

Navansh Finserv is a financial intermediary and advisory firm. Our services include:

• Distribution of Mutual Funds on behalf of Asset Management Companies (AMCs)
• Facilitation of insurance products (health, life, and general) on behalf of licensed insurers
• Advisory guidance on Fixed Deposits and Bonds
• Free-to-use financial planning calculators and tools on this website

We act as an intermediary and do not directly underwrite, issue, or guarantee any insurance policy or investment product. All products are subject to the terms and conditions of the respective insurers, AMCs, or financial institutions.

3. Financial Calculator Disclaimer

The financial calculators available on this website (including SIP, FD, SWP, HLV, Education, and Mediclaim estimators) are provided for illustrative and educational purposes only. All outputs are estimates based on user-provided inputs and market averages and do not constitute financial, investment, tax, or legal advice. Actual returns, premiums, and figures will vary based on market conditions, insurer pricing, scheme parameters, and individual circumstances. Always consult a qualified financial advisor before making any investment or insurance decisions.

4. Mutual Fund Disclosure

Mutual Fund investments are subject to market risks. Past performance is not indicative of future returns. Read all scheme-related documents carefully before investing. The NAV data displayed in the Mutual Fund Screener is sourced from publicly available AMFI data and may be subject to a delay. Navansh Finserv is not responsible for inaccuracies in third- party data.

5. Insurance Disclosure

Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the relevant sales brochure or policy document carefully before concluding a sale. Claims are subject to the terms of the policy issued by the respective insurer.

6. Enquiry & Contact Forms

By submitting an enquiry through our website, you consent to Navansh Finserv contacting you via phone, email, or WhatsApp to respond to your enquiry. Submission of an enquiry does not create any contractual obligation on either party. We reserve the right to decline or not respond to enquiries at our discretion.

7. Intellectual Property

All content on this website — including text, graphics, logos, blog articles, and software — is the property of Navansh Finserv or its content suppliers and is protected under applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Navansh Finserv shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on any information provided herein, including but not limited to investment losses, incorrect premium estimates, or third-party service failures.

9. Third-Party Links

This website may contain links to external websites (e.g., WhatsApp, Instagram, Discord). We are not responsible for the content, privacy practices, or accuracy of any third-party websites. Accessing such links is at your own risk.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in Kolkata, West Bengal.

11. Changes to These Terms

We reserve the right to update these Terms of Service at any time. Changes will be effective upon posting to this page with an updated "Last updated" date. Continued use of our website after any changes constitutes your acceptance of the revised terms.

If you have any questions or concerns about these Terms of Service, please contact us. You can also review our Privacy Policy for information on how we handle your data.