Terms and Conditions

1. Introduction

Welcome to NiveshSakha, operated by JeevanNirvana Solutions Pvt. Ltd. These Terms and Conditions ("Terms") govern your use of our website, services, and any related applications or platforms (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

If you do not agree with any part of these Terms, please do not use our Services. Your continued use of our Services constitutes acceptance of these Terms and any modifications made hereto.

2. About NiveshSakha

Company Name: JeevanNirvana Solutions Pvt. Ltd.

Brand Name: NiveshSakha

Nature of Business: Financial Advisory, Tax Planning, Investment Recovery, and related financial services

Founded by: IIM Alumni

Service Area: Pan India

3. Services Offered

NiveshSakha provides the following services:

• IT Filing & Tax Planning: Income tax return filing, tax optimization strategies, and compliance services
• Financial Planning & Education: Comprehensive financial planning, education planning, retirement planning
• Recovery of Unclaimed Investment: Assistance in recovering unclaimed mutual funds, shares, and other investments
• Recovery of Unclaimed Insurance: Help with recovering unclaimed insurance benefits and maturity amounts
• Investment & Insurance Diagnosis: Portfolio analysis and optimization recommendations
• Will & Asset Transfer: Legal documentation for estate planning and asset transfer
• Litigation Funding: Financial support for investment-related legal disputes

4. User Eligibility and Registration

4.1 Eligibility Criteria

• You must be at least 18 years of age to use our services
• You must be a legal resident of India
• You must have the legal capacity to enter into binding agreements
• You must provide accurate and complete information during registration

4.2 Account Registration

• Some services may require account creation or registration
• You are responsible for maintaining the confidentiality of your account credentials
• You agree to notify us immediately of any unauthorized use of your account
• We reserve the right to suspend or terminate accounts that violate these Terms

5. Service Terms and Conditions

5.1 General Service Terms

• All services are provided subject to availability and our acceptance of your request
• Service delivery timelines are estimates and may vary based on complexity and external factors
• We reserve the right to refuse service to any client at our discretion
• Additional terms may apply to specific services as communicated during engagement

5.2 Client Responsibilities

• Provide accurate, complete, and timely information required for service delivery
• Maintain confidentiality of sensitive financial information
• Comply with all applicable laws and regulations
• Pay fees as agreed upon in the service agreement
• Respond promptly to requests for additional information or clarification

5.3 Service Limitations

• Our services are advisory in nature and do not constitute legal advice unless specifically stated
• We do not guarantee specific outcomes or returns on investments
• Recovery services are provided on a best-effort basis with no guarantee of success
• We are not responsible for delays caused by third-party institutions or government agencies

6. Payment Terms

6.1 Pricing and Fees

• Service fees are as published on our website or as agreed in writing
• Prices may be subject to change with prior notice
• All fees are inclusive of applicable taxes unless otherwise specified
• Payment processing fees charged by third-party gateways are non-refundable

6.2 Payment Methods

• We accept payments through Razorpay and other approved payment gateways
• Accepted payment methods include credit/debit cards, UPI, net banking, and digital wallets
• Some services may require advance payment while others may be billed post-delivery

6.3 Late Payments

• Services may be suspended for non-payment of dues
• Late payment charges may apply as per the service agreement
• We reserve the right to engage collection agencies for overdue payments

7. Intellectual Property Rights

7.1 Our Content

• All content on our website and platforms is owned by NiveshSakha/JeevanNirvana Solutions Pvt. Ltd.
• This includes but is not limited to text, graphics, logos, images, and software
• You may not reproduce, distribute, or create derivative works without written permission

7.2 Client Content

• You retain ownership of information and documents provided to us
• You grant us license to use this information solely for providing services to you
• We will not share your information with third parties except as required by law or with your consent

8. Privacy and Data Protection

• We are committed to protecting your privacy and personal information
• Our data handling practices are governed by our Privacy Policy
• We comply with applicable data protection laws and regulations
• We use industry-standard security measures to protect your data
• You have rights regarding your personal data as outlined in our Privacy Policy

9. Limitation of Liability

9.1 Service Disclaimer

• Our services are provided on an "as is" and "as available" basis
• We make no warranties regarding the accuracy, completeness, or reliability of our services
• We do not guarantee that our services will be uninterrupted or error-free

9.2 Liability Limitations

• Our liability is limited to the fees paid for the specific service in question
• We are not liable for indirect, incidental, or consequential damages
• We are not responsible for losses due to client's failure to follow our advice
• Force majeure events exclude us from liability for delays or non-performance

10. Professional Standards and Compliance

10.1 Regulatory Compliance

• We adhere to all applicable financial advisory and tax consultancy regulations
• Our services comply with Income Tax Act, SEBI guidelines, and other relevant laws
• We maintain professional indemnity insurance where required

10.2 Professional Conduct

• We maintain highest standards of professional ethics and conduct
• We avoid conflicts of interest and disclose any potential conflicts
• We respect client confidentiality and maintain data security

11. Termination

11.1 Termination by Client

• You may terminate services at any time with written notice
• Termination is subject to our refund and cancellation policy
• Outstanding fees must be paid before termination

11.2 Termination by NiveshSakha

• We may terminate services for breach of these Terms
• We may terminate for non-payment of fees after due notice
• We may terminate if continuing the relationship becomes impractical

12. Force Majeure

Neither party shall be liable for any failure or delay in performance due to events beyond their reasonable control, including but not limited to:

• Acts of God, natural disasters, epidemics, pandemics
• War, terrorism, civil unrest, strikes, lockouts
• Government regulations, court orders, regulatory changes
• Power failures, internet outages, cyber attacks
• Failure of third-party systems or services

13. Dispute Resolution

13.1 Amicable Resolution

• We encourage direct communication to resolve any disputes
• Most issues can be resolved through our customer service team
• We are committed to fair and timely resolution of complaints

13.2 Legal Proceedings

• Any disputes will be governed by Indian law
• Jurisdiction for legal proceedings: Mumbai, Maharashtra, India
• Arbitration may be pursued under the Indian Arbitration and Conciliation Act

14. Modifications to Terms

• We reserve the right to modify these Terms at any time
• Changes will be posted on this page with an updated "Last Modified" date
• Continued use of our services constitutes acceptance of modified Terms
• Significant changes may be communicated via email or other means

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced with a valid provision that most closely achieves the intended purpose.

16. Entire Agreement

These Terms, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and NiveshSakha regarding the use of our services. These Terms supersede all prior agreements and understandings.

17. Contact Information

For any questions regarding these Terms and Conditions, please contact us: