Terms and Conditions

Welcome to our website. By accessing or using this website, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully before using our services.

Payment Security Details

• All debit cards, credit cards, UPI, net banking, and wallet payments are processed directly through Razorpay’s secure servers.

• We do not store, process, or have access to your card details, CVV, UPI PIN, or banking credentials.

• Sensitive payment information is encrypted using SSL (Secure Socket Layer) technology to prevent unauthorized access.

• Razorpay uses real-time fraud detection and monitoring systems to ensure safe and reliable transactions.

Payment Authorization & Confirmation

• Once a payment is successfully completed, you will receive a confirmation via email, SMS, or on-screen notification from Razorpay or our website.

• A successful payment confirms only the receipt of payment, not the approval or issuance of any insurance, loan, or financial product.

• All services are subject to verification, eligibility, and approval by respective banks, insurers, and financial institutions.

Payment Failures & Refunds

• In case of payment failure or technical issues, any deducted amount will be automatically reversed or refunded as per Razorpay’s refund timelines and banking policies.

• Refunds, if applicable, will be processed back to the original payment method.

• We are not responsible for delays caused by banks, card networks, or Razorpay systems.

User Responsibility for Payments

By making a payment on this website, you confirm that:

• You are authorized to use the selected payment method

• The information provided during payment is accurate and complete

• You understand the service details, charges, and applicable terms before proceeding

We strongly advise users to review all service information carefully before completing a transaction.

1. Introduction

This website is owned and operated by Susant, Financial Advisor. The purpose of this website is to provide information about financial products and services including insurance, loans, mutual funds, and digital business solutions.

By using this website, you accept these Terms and Conditions in full. If you do not agree with any part of these terms, please do not use this website.

2. Services Offered

Through this website, we provide information and assistance related to:

• Health Insurance

• Life Insurance

• General Insurance (Heavy & Light Vehicles)

• Fire Insurance

• Loans

• Mutual Funds

• BharatPe Scanner and Business UPI services

All services are provided based on customer requirements and eligibility, subject to the terms and policies of respective banks, insurance companies, and financial institutions.

3. No Financial Guarantee

All information provided on this website is for general informational purposes only.
We do not guarantee approval, returns, coverage, or benefits for any financial or insurance product. Final decisions are made by the respective banks, insurers, or service providers such as SBI, ICICI, LIC, and other partnered institutions.

4. User Responsibilities

By using this website, you agree that:

• You will provide accurate and complete information when requested

• You will not misuse the website or its content

• You will not submit false, misleading, or fraudulent information

• You understand that financial products involve risk and terms vary by provider

5. Third-Party Links & Partners

This website may contain links or references to third-party websites, banks, insurance companies, or digital payment platforms. We are not responsible for the content, policies, or services of any third-party websites.

All trademarks, logos, and brand names belong to their respective owners.

6. Limitation of Liability

We shall not be held liable for any direct, indirect, or incidental loss arising from:

• Use or inability to use this website

• Decisions made based on information provided on this website

• Delays, errors, or omissions caused by third-party service providers

Users are advised to review official policy documents and terms before making any financial commitment.

7. Intellectual Property

All content on this website, including text, logos, graphics, and layout, is the property of Susant – Financial Advisor, unless otherwise stated. Unauthorized use, copying, or distribution of content is strictly prohibited.

8. Privacy

We respect your privacy. Any personal information shared through this website will be used solely for providing financial services and customer support. We do not sell or misuse customer data.

9. Changes to Terms and Conditions

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Continued use of the website after changes indicates acceptance of the updated terms.

10. Governing Law

These Terms and Conditions shall be governed and interpreted in accordance with the laws of India.

11. Contact Information

For any questions or concerns regarding these Terms and Conditions, please contact:

Susant
Financial Advisor
📞 Phone: 9583125516
📧 Email: susant.advisor@gmail.com