Terms & Conditions

1. Acceptance of Terms

By accessing and using the services of Payal Consultancy ("we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Payal Consultancy provides financial consulting services including but not limited to:

• Income tax return filing and planning
• Investment advisory and mutual fund services
• Insurance planning and policy management
• Loan consultation and processing
• Financial planning and wealth management
• Retirement and education planning

3. User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of your account information
• Use our services only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Comply with all applicable laws and regulations
• Pay all applicable fees and charges

4. Professional Services

4.1 Financial Advice

Our financial advice and recommendations are based on the information you provide and our professional judgment. However, we cannot guarantee specific outcomes, and all investments carry inherent risks.

4.2 Tax Services

While we strive for accuracy in tax preparation and filing, we cannot guarantee that your tax return will be free from errors or that you will not be subject to penalties or interest.

4.3 Insurance and Investment Products

We act as intermediaries for various insurance and investment products. The terms and conditions of these products are governed by the respective providers' policies.

5. Fees and Payment

Our fee structure varies based on the services provided. All fees are clearly communicated before service delivery. Payment is due upon completion of services unless otherwise agreed in writing.

5.1 Refund Policy

Refunds are provided according to our refund policy, which may vary by service type. Please contact us for specific refund terms applicable to your situation.

6. Privacy and Data Protection

We are committed to protecting your privacy and personal information. Our data collection and usage practices are detailed in our Privacy Policy, which is incorporated into these terms by reference.

7. Intellectual Property

All content, trademarks, service marks, trade names, logos, and icons are the property of Payal Consultancy or their respective owners. You may not use, reproduce, or distribute any content without our written permission.

8. Limitation of Liability

To the maximum extent permitted by law, Payal Consultancy shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use.

Our total liability for any claims arising from the use of our services shall not exceed the amount paid by you for the specific service in question.

9. Disclaimers

9.1 Service Availability

We strive to provide reliable services but cannot guarantee uninterrupted availability. Services may be temporarily unavailable due to maintenance or technical issues.

9.2 Third-Party Services

We may use third-party service providers for certain aspects of our services. We are not responsible for the actions or omissions of these third parties.

9.3 Market Conditions

Investment performance depends on market conditions, which are beyond our control. Past performance does not guarantee future results.

10. Indemnification

You agree to indemnify and hold harmless Payal Consultancy, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these terms.

11. Termination

We may terminate or suspend your access to our services at any time, with or without cause, with or without notice. You may also terminate your relationship with us at any time by providing written notice.

12. Governing Law and Jurisdiction

These terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts in Surat, Gujarat.

13. Changes to Terms

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

14. Severability

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.

15. Entire Agreement

These terms, together with our Privacy Policy and any other agreements referenced herein, constitute the entire agreement between you and Payal Consultancy regarding the use of our services.

16. Contact Information

If you have any questions about these Terms & Conditions, please contact us:

17. Last Updated

These Terms & Conditions were last updated on January 1, 2025.