Disclaimer

1. General Information

The Financial Awareness Platform provides educational information about financial services, financial literacy, and consumer protection in India. This disclaimer governs your use of this Platform.

2. No Professional Advice

The information provided on this Platform is NOT:

• Financial advice from qualified financial advisors
• Legal advice from licensed attorneys
• Tax advice from certified tax professionals
• Investment advice or recommendations
• Insurance advice from licensed agents

For personalized guidance, please consult:

• Financial Advisor: SEBI-registered portfolio managers
• Tax Consultant: CA (Chartered Accountant) or CPA
• Legal Counsel: Registered advocate or law firm
• Insurance Agent: Licensed insurance professional

3. Accuracy of Information

While we strive to provide accurate and current information, we do NOT guarantee that all information on this Platform is complete, accurate, current, error-free, or free from viruses.

Institutional Contact Information

The institutional directory contains contact information sourced from publicly available databases. However:

• Contact details may change frequently
• Information may become outdated
• Some contacts may be incorrect or inaccurate
• We recommend verifying independently

Verification Responsibility: Users should verify all contact information before relying on it for important transactions or complaints.

4. Limitation of Liability

No Warranties

We provide the Platform "AS IS" and "AS AVAILABLE" without any warranties, express or implied, including warranties of merchantability or fitness for particular purpose.

Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, we shall not be liable for:

• Direct, indirect, incidental, consequential, or special damages
• Punitive damages
• Loss of profits, data, or business opportunities
• Financial loss or investment losses
• Decisions made based on Platform information
• Third-party claims

This limitation applies even if we have been advised of the possibility of such damages.

5. Investment Disclaimers

Content on this Platform is NOT an offer to buy or sell any securities or investments. This Platform does NOT:

• Recommend specific investments
• Guarantee investment returns
• Provide investment analysis
• Offer investment products

All investments carry risk, including loss of principal and variable returns. Investment decisions should only be made after consulting with qualified advisors.

6. Regulatory Information

This Platform is NOT affiliated with or endorsed by:

• Reserve Bank of India (RBI)
• Securities and Exchange Board of India (SEBI)
• Insurance Regulatory and Development Authority (IRDA)
• Government of India or State governments

For official regulatory information, visit:

• RBI: www.rbi.org.in
• SEBI: www.sebi.gov.in
• IRDA: www.irdai.gov.in

7. Third-Party Content & Links

This Platform may contain links to third-party websites. We are NOT responsible for:

• Content of third-party websites
• Availability or accuracy of information
• Privacy practices of third parties
• Links becoming broken or outdated

When you visit third-party websites, you are subject to their terms and conditions. We are not responsible for their content.

8. Sensitive Information Warning

DO NOT share the following on this Platform:

• Bank account numbers
• Credit card numbers
• PAN / Aadhaar numbers
• Passwords or PINs
• OTPs or authentication codes
• Personal identification documents

We do NOT guarantee data security. Never share sensitive financial information online.

9. Changes to Information

We are NOT obligated to update information or notify you of changes. We reserve the right to modify content, features, or terms without notice.

10. Agreement to Disclaimer

11. Governing Law

This Platform is governed by Indian law. Any disputes shall be subject to Indian courts' jurisdiction and applicable laws including:

• Information Technology Act, 2000
• Consumer Protection Act, 2019
• RBI and SEBI Regulations