Terms & Conditions

Effective date: 1 September 2026

1. Website Use

By accessing and using this website, you agree to these Terms & Conditions. If you do not agree, please do not use the website. This website is operated by MoneyGuru Financial Services, Samrala, Punjab.

2. General Information

The content on this website is provided for general information purposes only. It gives an overview of the services offered and does not constitute professional, financial or legal advice on its own.

3. Insurance Information

Details about insurance and financial products shown on this website are general in nature. Specific features, eligibility, terms and benefits are governed by the respective product documents and the concerned insurer or service provider.

4. Policy Approval

The issuance of any insurance policy or financial product is subject to approval by the relevant insurer or service provider, and to their underwriting rules, terms and conditions. We do not guarantee acceptance of any application.

5. Financial Outcomes

Any financial or investment-related products may carry risk, and outcomes can vary. We do not promise or guarantee any particular result, return or benefit.

6. Communication

By contacting us or submitting an enquiry, you consent to being contacted through the details you provide, in relation to your enquiry and the services you have requested.

7. Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, accuracy or practices of those external websites and provide such links only for convenience.

8. Intellectual Property

The content, layout and design of this website are the property of MoneyGuru Financial Services unless stated otherwise, and may not be copied or reused without permission.

9. Limitation of Liability

To the extent permitted by law, we are not liable for any loss or damage arising from the use of, or reliance on, information presented on this website.

10. Website Changes

We may update, modify or remove any part of this website and these Terms & Conditions at any time without prior notice. Continued use of the website means you accept the current terms.

11. Governing Law

These Terms & Conditions are governed by and construed in accordance with the applicable laws of India, with jurisdiction in Punjab.

12. Contact Details

For any questions regarding these Terms & Conditions, please contact:

• Ravinder Kumar Pahwa — MoneyGuru Financial Services
• Phone: 9814298399
• Email: moneyguru.docs@gmail.com
• Address: Samrala, Punjab