Last Updated: September 12, 2025

NiveshKaro.com ("NiveshKaro", "we", "us", or "our") operates as a free, zero-commission intermediary platform that connects users with independent, certified local financial advisors, consultants, or agents ("Advisors") in India, providing general, non-binding educational content about financial products and services (e.g., life/health/motor insurance, mutual funds, tax filing, government schemes like PPF/SSY). This Disclaimer governs your use of the NiveshKaro website, its subdomains, mobile applications, and all related services (collectively, the "Platform"). By accessing or using the Platform, you agree to this Disclaimer, the Terms and Conditions, Privacy Policy, Refund Policy, Take Down Policy, and Advisory for Investors (collectively, the "Policies").

NiveshKaro complies with the Digital Personal Data Protection Act, 2023 (DPDP Act), Information Technology Act, 2000 (IT Act), and Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, qualifying for safe harbour protection under Section 79 of the IT Act as an intermediary. This Disclaimer is designed to protect NiveshKaro, its affiliates, directors, officers, employees, agents, and licensors ("NiveshKaro Parties") from any liability arising from your use of the Platform.

Contact Information:

• Email: team@niveshkaro.com
• Address: 502, Vibhuti Building, Saibaba Vihar Complex, G.B. Road, Thane West – 400615, Maharashtra, India
• Support Officer: Mrs. Reshma Chavan, support@niveshkaro.com

Response Timeline: NiveshKaro reserves the right to provide an initial response to any emails, inquiries, or supports sent to team@niveshkaro.com or support@niveshkaro.com within 21 working days. This period may be extended to 180 working days at NiveshKaro’s sole discretion, and users agree to wait for the response within this timeframe.

1. Nature of Service

NiveshKaro is not an insurance company, insurance broker, insurance aggregator, investment advisor, stock broker, tax consultant, or agent under regulations such as the Insurance Regulatory and Development Authority of India (IRDAI), Securities and Exchange Board of India (SEBI), or the Income Tax Act. We do not solicit, recommend, endorse, or sell financial products or services. Our role is limited to:

• Facilitating connections between users and independent Advisors based on geographic proximity and financial needs.
• Providing general, non-binding educational content sourced from public domains or third-party providers.

NiveshKaro does not guarantee the availability, accuracy, suitability, or outcome of any Advisor services, financial products, or content provided on the Platform.

2. User Responsibility

If you choose to contact or engage with Advisors or third-party providers (e.g., insurers, mutual fund companies) through the Platform for financial products, services, or quotes, you are solely responsible for:

• Verifying the credentials, licenses (e.g., IRDAI/SEBI registration), and suitability of Advisors or providers.
• Making payments only through official, regulated payment channels of the respective financial institution (e.g., insurer or AMC portals). Do not pay cash or transfer funds directly to Advisors.
• Conducting due diligence on any financial product or service before entering into transactions.
• Bearing all risks and consequences of your interactions with Advisors or third-party providers.

NiveshKaro is not liable for any damages, losses (monetary or non-monetary), or disputes arising from your interactions with Advisors or third-party providers. Advisors are independent professionals, not employees, agents, or affiliates of NiveshKaro, and we do not control or monitor their actions, advice, or services.

3. No Guarantees

• The accuracy, completeness, or reliability of any content, pricing, or service information.
• The availability or performance of Advisors or third-party providers.
• The outcome of any transaction, service, or engagement with Advisors or providers.

All content is provided for general informational purposes only and does not constitute financial, investment, tax, or legal advice. Users must independently verify all information and terms before making decisions.

4. Content Usage Restrictions

All content on the Platform (e.g., text, images, videos, summaries) is owned or licensed by NiveshKaro and protected under the Copyright Act, 1957. You may use content for personal, non-commercial purposes only, retaining all copyright and proprietary notices. Unauthorized display, printing, distribution, modification, transmission, reuse, or commercial use of Platform content is strictly prohibited without prior written permission from NiveshKaro or the respective copyright holder.

5. Third-Party Links

The Platform may include links to external websites (e.g., insurer portals, Advisor websites, government sites) for convenience. NiveshKaro does not review, control, endorse, or verify the accuracy of content, privacy practices, or services on these sites. Use of third-party links is at your own risk, and NiveshKaro disclaims all liability for any losses or damages arising therefrom. You must review the terms and policies of third-party sites.

6. Limitation of Liability

To the fullest extent permitted by law, NiveshKaro Parties shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, data, goodwill, or financial losses, arising from or related to: (i) use or misuse of the Platform; (ii) reliance on Platform content; (iii) interactions with Advisors or third-party providers; (iv) service interruptions; or (v) unauthorized access to your data. The Platform is provided "AS IS" without warranties of any kind, including merchantability, fitness for a particular purpose, or non-infringement. Total liability, if any, is capped at INR 1,000 (Rupees One Thousand Only).

As an intermediary under Section 79 of the IT Act, NiveshKaro is not liable for third-party content, actions, or omissions unless it has actual knowledge of illegality and fails to act expeditiously within stipulated timelines. If you are dissatisfied with the Platform, your sole remedy is to discontinue its use.

7. Indemnification

You agree to indemnify, defend, and hold harmless NiveshKaro Parties from any claims, losses, damages, liabilities, fines, penalties, or costs (including reasonable attorney fees) arising from: (i) your use or misuse of the Platform; (ii) violation of the Terms and Conditions or applicable laws (e.g., DPDP Act, IT Act); (iii) interactions or transactions with Advisors or third-party providers; or (iv) infringement of third-party rights, including intellectual property or privacy rights.

8. Data Ownership

Any data, details, statistics, or information you submit to the Platform becomes the sole property of NiveshKaro. You waive all rights to initiate action against NiveshKaro for the loss, destruction, use, misuse, or disclosure of such information and agree to indemnify NiveshKaro against any related losses.

9. Modifications to Disclaimer

NiveshKaro reserves the right to modify, amend, or revise this Disclaimer at any time, with changes effective upon posting on the Platform. You are responsible for reviewing updates periodically. Continued use of the Platform after changes constitutes acceptance of the revised Disclaimer.

10. Governing Law and Jurisdiction

This Disclaimer is governed by the laws of India, without regard to conflict of laws principles. Any disputes arising hereunder shall be subject to the exclusive jurisdiction of the courts in Thane, Maharashtra.

11. Support Redressal

For complaints or supports related to the Platform or this Disclaimer, contact our Support Officer:

• Name: Mrs. Reshma Chavan
• Email: support@niveshkaro.com
• Address: 502, Vibhuti Building, Saibaba Vihar Complex, G.B. Road, Thane West – 400615, Maharashtra, India

NiveshKaro reserves the right to provide an initial response within 21 working days, extendable to 180 working days at our sole discretion, and users agree to wait for the response. If unresolved, you may escalate to the Data Protection Board of India (DPBI) under the DPDP Act or other relevant authorities (e.g., IRDAI, SEBI).

Contact Us:

• Email: team@niveshkaro.com
• Address: 502, Vibhuti Building, Saibaba Vihar Complex, G.B. Road, Thane West – 400615, Maharashtra, India

Response Timeline: NiveshKaro reserves the right to provide an initial response to any emails, inquiries, or supports within 21 working days, extendable to 180 working days at our sole discretion. Users agree to wait for the response within this timeframe.

Disclaimer Summary:

NiveshKaro is a free intermediary platform that connects users with independent Advisors. We do not provide financial advice, sell products, or guarantee outcomes. Users must verify Advisor credentials and product terms independently. NiveshKaro disclaims all liability for losses or damages arising from Platform use, Advisor interactions, or reliance on content.