Website Usage Terms

By accessing and using the HRP Wealth website (hrpwealth.in), you acknowledge that you have read, understood, and agree to be bound by these Website Usage Terms, our Privacy Policy, and all applicable laws and regulations.

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

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, regulations, or third-party rights
• • Attempt to gain unauthorized access to any part of the website, server, database, or related systems
• • Transmit any viruses, malware, trojans, worms, or other harmful code or malicious software
• • Use automated systems (such as bots, scrapers, crawlers) to access, scrape, copy, monitor, or index website content without our prior written consent
• • Impersonate any person or entity, misrepresent your identity or affiliation, or provide false information
• • Interfere with or disrupt the website's operation, security, servers, or networks, or violate any security or authentication measures
• • Attempt to reverse engineer, decompile, or extract source code from any part of the website
• • Use the website for any commercial purpose without our express written permission
• • Collect or harvest any information about other users of the website without their consent
• • Post, upload, or transmit any content that is defamatory, offensive, discriminatory, or violates any applicable laws

All content on this website, including text, graphics, logos, images, articles, calculators, tools, and other materials, is provided for educational and informational purposes only.

Important Disclaimers:

• • Website content does not constitute personalized investment advice, financial planning advice, or recommendations tailored to your specific circumstances
• • Calculators and tools use assumptions, estimates, and hypothetical scenarios that may not reflect actual market conditions or your specific situation
• • Past performance information, if displayed, does not guarantee future results
• • We strive to ensure accuracy, but we do not warrant that all information is complete, current, or error-free
• • Content may be updated, modified, or removed without prior notice

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

All content on this website, including but not limited to text, graphics, logos, images, icons, software, code, design elements, articles, calculators, and documentation, is the property of HRP Wealth or its licensors and is protected by copyright, trademark, and other intellectual property laws.

Your Rights and Restrictions:

• • You may view, download, and print content for your personal, non-commercial use only
• • You may not reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit any content without our prior written consent
• • You may not remove any copyright, trademark, or proprietary notices from any content
• • The HRP Wealth name, logo, and all related marks are trademarks of HRP Wealth and may not be used without permission
• • Any unauthorized use of our content may violate copyright, trademark, and other laws and may result in legal action

Our website may contain links to third-party websites, including but not limited to:

• • NJ E-Wealth platform and related services
• • Asset Management Company (AMC) websites
• • Insurance company websites
• • Regulatory body websites (AMFI, SEBI, IRDA, etc.)
• • Social media platforms
• • Other financial services providers

Important Information:

• • We provide these links for your convenience and informational purposes only
• • We do not endorse, control, or assume responsibility for the content, policies, or practices of third-party websites
• • Your use of third-party websites is subject to their respective terms of use and privacy policies
• • We are not liable for any damages or losses arising from your use of or reliance on third-party websites
• • We encourage you to review the terms and privacy policies of any third-party websites you visit

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and personalize content. By using our website, you consent to our use of cookies in accordance with our Privacy Policy.

Types of Cookies We Use:

• • Essential Cookies: Required for basic website functionality and cannot be disabled
• • Analytics Cookies: Help us understand how visitors interact with our website
• • Preference Cookies: Remember your settings and preferences for future visits
• • Marketing Cookies: Used to track visitors across websites for marketing purposes (if applicable)

You can control or disable cookies through your browser settings, but this may affect your ability to use certain features of our website.

We strive to ensure our website is available and accessible, but we do not guarantee uninterrupted, error-free, or secure access.

We Reserve the Right To:

• • Temporarily suspend or restrict access to the website for maintenance, updates, or technical issues
• • Modify, update, or discontinue any feature, content, or functionality at any time without prior notice
• • Change the website's design, layout, or structure without notice
• • Restrict access to certain areas or features based on eligibility criteria or regulatory requirements

We are not liable for any losses or damages arising from website unavailability, interruptions, errors, or modifications.

If you create an account or use features that require authentication on our website, you are responsible for:

• • Maintaining the confidentiality and security of your login credentials (username, password, etc.)
• • All activities that occur under your account, whether authorized or unauthorized
• • Notifying us immediately if you suspect any unauthorized access to your account
• • Providing accurate, current, and complete information when creating or updating your account
• • Using strong passwords and not sharing your credentials with others

We are not liable for any losses or damages arising from unauthorized access to your account due to your failure to maintain account security.

If our website allows you to submit, post, or share content (such as comments, feedback, reviews, or other materials), you agree that:

• • You own or have the right to submit such content and grant us a non-exclusive, royalty-free, perpetual license to use, modify, and display it
• • Your content does not violate any laws, infringe on third-party rights, or contain defamatory, offensive, or harmful material
• • We reserve the right to review, edit, remove, or refuse to publish any user-generated content at our discretion
• • You will not submit content that contains personal information about others without their 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
• • Your violation of these Website Usage Terms
• • Your violation of any applicable laws or regulations
• • Any content you submit, post, or share on our website
• • Your infringement of any intellectual property or other rights of HRP Wealth or third parties

These Website Usage Terms are governed by the laws of India. Any disputes arising from or relating to these terms or your use of our website 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 Website Usage Terms 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 after such changes constitutes acceptance of the updated terms. If you do not agree with the changes, you must stop using our website.