Terms & Conditions
Home / Terms & Conditions
1. Agreement
Is website ka istemal karke aap in Terms se sehmat hote hain. Website Prabhat Financial Consultancy dwara operate ki jaati hai — proprietor Prabhat Kumar Sribastab, Udyam Reg. No. UDYAM-OD-02-0054162, Sudpada, Balangir, Odisha — 767001.
2. Hamari Service Kya Hai
Hum ek insurance advisory aur financial consultancy service hain — insurance company, bank ya AMC nahi. Hum aapko options samjhate hain, need analysis karte hain aur application aur servicing me madad karte hain. Policy issue hamesha respective company apne underwriting rules ke anusaar karti hai.
3. Information General Hai, Personal Advice Nahi
Website ka content sirf general information ke liye hai. Ise investment, tax ya legal advice na samjhein. Aapke liye sahi plan aapki income, umar, dependents, loans aur goals par depend karta hai — isliye koi bhi faisla lene se pehle personal consultation lein.
4. Koi Guaranteed Return Nahi
- Insurance is the subject matter of solicitation.
- Benefits, exclusions, waiting period aur charges ke liye insurance company ka official policy document aur prospectus hi final hai — website ka content nahi.
- Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. Past performance future return ki guarantee nahi hai.
- Website par kahin bhi guaranteed ya assured return ka vaada nahi kiya gaya hai.
- Tax benefits prevailing tax laws par depend karte hain aur badal sakte hain.
5. Aapki Zimmedari
- Proposal me sahi aur poori jaankari dena — galat jaankari se claim reject ho sakta hai
- Policy document milne par dhyan se padhna, aur free-look period ke andar objection uthana
- Premium samay par pay karna taaki policy lapse na ho
6. Payment
Ye website koi payment collect nahi karti. Premium hamesha seedha insurance company ko unke official channels se pay karein. Kisi bhi vyakti ke personal bank account, UPI ID ya wallet me premium transfer na karein — aise transaction ke liye hum zimmedar nahi honge.
7. Testimonials
Website par dikhaye gaye client experiences vyaktigat hain. Har vyakti ka result alag ho sakta hai — kisi ek client ka anubhav aapke liye same result ki guarantee nahi hai.
8. Intellectual Property
Website ka design, text aur logo Prabhat Financial Consultancy ki property hain. Bina likhit anumati ke inka commercial istemal nahi kiya ja sakta. Insurance companies ke naam aur logos unke respective owners ki property hain.
9. Limitation of Liability
Website ki jaankari accurate rakhne ki poori koshish ki jaati hai, lekin hum error-free hone ki guarantee nahi dete. Website par di gayi general information par bharosa karke liye gaye kisi bhi faisle ke nuksaan ke liye hum zimmedar nahi honge.
10. Governing Law
In Terms par Bharat ke kanoon lagu honge. Kisi bhi vivaad ka nipatara Balangir, Odisha ke courts ke jurisdiction me hoga.
11. Grievance & Contact
Prabhat Financial Consultancy
C/O Balbir Prasad Sribastab, Flat No. 01, Sudpada,
Balangir, Odisha — 767001, India
Phone / WhatsApp: +91 8327751713
Email: psribastab.bgr@gmail.com
Policy-specific shikayat ke liye aap apni insurance company ke Grievance Officer ya IRDAI ke Bima Bharosa portal par bhi complaint darj kar sakte hain.