Terms and Conditions

1. Acceptance of Terms

By accessing or using the website and services of Chaitanya Growth Hub ("we," "our," or "us"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.

These Terms and Conditions govern your use of our financial advisory services, investment guidance, insurance consultation, loan advisory services, and related tools available on our website.

2. Services Provided

Chaitanya Growth Hub provides the following services:

• Investment Advisory: Guidance on mutual funds, SIP, stocks, fixed deposits, bonds, PPF, NPS, gold, silver, and real estate investments
• Insurance Advisory: Term insurance, health insurance, life insurance, home insurance, vehicle insurance, and business insurance consultation
• Loan Advisory: Home loan, personal loan, business loan, loan against property, and loan against mutual funds guidance
• Tax & Compliance: Income tax return (ITR) filing, GST filing, tax planning, and company formation services
• Financial Planning: Comprehensive financial planning, retirement planning, wealth management, and debt planning
• Financial Calculators: SIP calculator, EMI calculator, term insurance calculator, retirement calculator, and other financial tools

3. Nature of Services

3.1 Advisory Services

Our financial advisory services are based on analysis and recommendations. We do not guarantee specific returns or outcomes. Investment and insurance products carry inherent risks, and past performance is not indicative of future results.

3.2 No Guarantee

We do not guarantee:

• Specific investment returns or profits
• Loan approval or interest rates
• Insurance claim approvals
• Tax savings or refunds
• Market performance or trends

4. Client Responsibilities

As a client, you agree to:

• Provide accurate and complete information about your financial situation
• Disclose all relevant financial details, liabilities, and obligations
• Review all documents carefully before signing
• Make independent decisions based on our recommendations
• Inform us of any changes in your financial situation
• Pay all applicable fees and charges on time
• Maintain confidentiality of shared information

5. Fees and Charges

5.1 Advisory Fees

Our advisory fees are based on the services provided and will be communicated to you before engagement. Fees may be charged as:

• Consultation fees (hourly or per session)
• Annual retainer fees
• Percentage of assets under advisory
• Fixed project-based fees
• Commission from financial products (where applicable)

5.2 Third-Party Charges

You are responsible for all charges levied by third parties, including:

• Investment product charges (mutual fund loads, brokerage fees)
• Insurance premiums and policy charges
• Loan processing fees and interest
• Government taxes and statutory charges
• Bank charges and transaction fees

6. SEBI and AMFI Compliance

6.1 SEBI Registration

Chaitanya Growth Hub is registered with SEBI as an Investment Advisor. We comply with SEBI regulations regarding:

• Disclosure of fees and commissions
• Conflict of interest management
• Client suitability assessment
• Record keeping and reporting
• Code of conduct and ethics

6.2 AMFI Certification

We are AMFI certified mutual fund distributors and adhere to AMFI guidelines for:

• Investor education and awareness
• Transparent disclosure of commissions
• Appropriate product recommendations
• Investor grievance redressal

7. Risk Disclosure

7.1 Investment Risks

Investments in securities, mutual funds, and other financial instruments involve various risks, including but not limited to:

• Market risk (fluctuations in market prices)
• Credit risk (default by issuers)
• Liquidity risk (inability to sell investments)
• Interest rate risk (changes in interest rates)
• Inflation risk (erosion of purchasing power)
• Currency risk (for international investments)

7.2 Insurance Risks

Insurance products have specific terms, conditions, and exclusions. Claims are subject to policy terms and insurer's discretion. We do not guarantee claim approvals or settlement amounts.

7.3 Loan Risks

Loan approvals are subject to lender's credit assessment, income verification, and other criteria. We do not guarantee loan approval, interest rates, or loan amounts.

8. Confidentiality

We maintain strict confidentiality of your personal and financial information. We will not disclose your information to third parties except:

• With your explicit consent
• As required by law or regulatory authorities
• To financial institutions for service fulfillment
• To protect our rights, property, or safety

9. Intellectual Property

All content on our website, including text, graphics, logos, images, software, and calculators, is the property of Chaitanya Growth Hub or its licensors and is protected by copyright laws.

You may not:

• Copy, reproduce, or distribute our content without permission
• Use our calculators or tools for commercial purposes
• Modify or create derivative works from our content
• Remove any copyright or proprietary notices

10. Financial Calculators

Our financial calculators (SIP, EMI, term insurance, retirement, etc.) are provided for informational purposes only. The results are estimates and should not be considered as financial advice. We do not guarantee the accuracy of calculator results.

You should verify all calculations independently and consult with our advisors before making financial decisions based on calculator results.

11. Third-Party Products and Services

We may recommend or facilitate products and services from third parties, including:

• Mutual fund houses and AMCs
• Insurance companies
• Banks and NBFCs
• Government agencies

We are not responsible for the products, services, or actions of these third parties. Any disputes with third parties should be resolved directly with them.

12. Limitation of Liability

To the maximum extent permitted by law, Chaitanya Growth Hub shall not be liable for:

• Any investment losses or financial damages
• Insurance claim rejections or delays
• Loan rejections or unfavorable terms
• Tax penalties or legal consequences
• Errors or inaccuracies in our calculators or content
• Loss of data or system failures

Our total liability shall not exceed the fees paid by you for the specific service in question.

13. Indemnification

You agree to indemnify and hold harmless Chaitanya Growth Hub, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of our services
• Your violation of these Terms and Conditions
• Your violation of any applicable laws or regulations
• Your misrepresentation or provision of false information

14. Termination

14.1 By You

You may terminate our services at any time by providing written notice. You will be responsible for all fees incurred up to the termination date.

14.2 By Us

We may terminate our services if:

• You violate these Terms and Conditions
• You provide false or misleading information
• You fail to pay applicable fees
• We are unable to provide services due to regulatory reasons

15. Dispute Resolution

15.1 Grievance Redressal

If you have any complaints or grievances, please contact our Grievance Officer:

• Email: grievance@chaitanyagrowthhub.com
• Phone: +91 91301 62677
• Address: Vishal Angan A Wing, Indira Nagar, Bhoirnagar, Chinchwad, Pune, Maharashtra 411033

15.2 SEBI Complaint

If your grievance is not resolved to your satisfaction, you may escalate to SEBI:

• SEBI Complaints: scores.gov.in or sebi.gov.in
• SEBI Helpline: 1800 22 7575

15.3 AMFI Complaint

For mutual fund related complaints, you may contact AMFI:

• AMFI Complaints: amfiindia.com
• AMFI Helpline: 1800 22 7575

16. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by the laws of India. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in Pune, Maharashtra, India.

17. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after such changes constitutes acceptance of the modified terms.

18. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

19. Entire Agreement

These Terms and Conditions, along with any applicable service agreements, constitute the entire agreement between you and Chaitanya Growth Hub regarding the use of our services.

20. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to natural disasters, wars, strikes, government actions, or internet failures.