Terms & Conditions

HRP Wealth is an AMFI registered mutual fund distributor (ARN-342284) and IRDA authorized insurance consultant based in Ahmedabad, Gujarat, India.

We provide financial assessment services, mutual fund distribution, insurance consulting, and investment guidance. We are not a SEBI-registered Investment Adviser (RIA) and do not provide stock tips, intraday trading advice, or guaranteed return schemes.

Our services are provided in partnership with NJ Wealth for execution and reporting through regulated platforms.

By accessing and using this website or our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, our Privacy Policy, and all applicable laws and regulations.

If you do not agree with any part of these terms, you must not use our website or services.

You agree to use our website only for lawful purposes and in accordance with these terms. You agree not to:

• • Use the website in any way that violates applicable laws or regulations
• • Attempt to gain unauthorized access to any part of the website or systems
• • Transmit any viruses, malware, or harmful code
• • Use automated systems to scrape, copy, or monitor website content
• • Impersonate any person or entity or misrepresent your affiliation
• • Interfere with or disrupt the website's operation or security

All content on this website, including articles, calculators, and educational materials, is provided for educational and informational purposes only. This content:

• • Does not constitute personalized investment advice or recommendations
• • Should not be relied upon as the sole basis for investment decisions
• • Uses assumptions and estimates that may not reflect actual market conditions
• • Does not guarantee any specific returns or outcomes

Actual investment decisions should be made only after a one-to-one consultation where we understand your complete financial situation, goals, risk profile, and circumstances.

We strive to ensure our website and services are available, but we do not guarantee uninterrupted or error-free access. We may:

• • Temporarily suspend services for maintenance, updates, or technical issues
• • Modify, update, or discontinue any service or feature at any time
• • Restrict access to certain services based on eligibility criteria

We are not liable for any losses or damages arising from service unavailability or modifications.

As a client or user of our services, you agree to:

• • Provide accurate, complete, and up-to-date information for KYC and service delivery
• • Comply with all applicable laws, regulations, and tax obligations related to your investments
• • Review all investment documents, scheme information, and policy terms before making decisions
• • Keep your login credentials, account information, and contact details secure and updated
• • Notify us promptly of any changes in your financial situation, goals, or risk profile
• • Make investment decisions based on your own judgment and risk assessment

HRP Wealth may receive commissions and trail income from Asset Management Companies (AMCs) and insurance companies on products you choose to invest in through us, as per industry norms and regulations.

We generally do not charge a separate planning or consulting fee unless explicitly agreed with you in writing for a specific engagement.

For detailed information about our compensation structure, please refer to our Disclosures & How We Work page.

All content on this website, including text, graphics, logos, images, and software, is the property of HRP Wealth or its licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.

You agree to indemnify and hold harmless HRP Wealth, its directors, employees, and partners from any claims, damages, losses, or expenses (including legal fees) arising from:

• • Your use or misuse of our website or services
• • Your violation of these Terms and Conditions
• • Your violation of any applicable laws or regulations
• • Any information you provide to us that is inaccurate or misleading

These Terms and Conditions are governed by the laws of India. Any disputes arising from or relating to these terms or our services shall be subject to the exclusive jurisdiction of the courts in Ahmedabad, Gujarat, India.

We encourage resolving disputes through mutual discussion and negotiation before pursuing legal action.

We reserve the right to modify these Terms and Conditions at any time. We will notify you of any material changes by posting the updated terms on our website with a revised "Last Updated" date.

Your continued use of our website or services after such changes constitutes acceptance of the updated terms. If you do not agree with the changes, you must stop using our website and services.