Terms of Use

pvsbfinancial.com is a financial products information and enquiry website operated by P V Sudheer Babu. The Website is intended solely to: • Provide information about financial products offered (mutual funds, insurance). • Allow visitors to enquire about financial services. • Provide educational financial calculators and tools. The Website does not execute financial transactions. No investment, insurance, or financial advice is provided through the Website. Any enquiry submitted via this Website initiates a human conversation - not an automated investment. No KYC documents (PAN card, Aadhaar, passport, or any identity document) should be submitted via this Website. KYC verification is carried out separately through the relevant regulated investment or insurance platform.

Nothing on this Website constitutes financial, investment, tax, or legal advice. All content is for general informational and educational purposes only. You should consult a qualified financial advisor, tax consultant, and legal advisor before making any investment decision. Any communication via WhatsApp, email, phone, or any other channel initiated through this Website (including the WhatsApp button) does not constitute formal investment or insurance advice. All formal recommendations are issued through the appropriate regulated process.

All content on this Website - including text, logos, images, and design - is the property of P V Sudheer Babu or its content licensors and is protected by Indian copyright law. You may not copy, reproduce, distribute, or create derivative works from any Website content without prior written permission, except for personal, non-commercial use.

By using this Website, you agree not to: • Use the Website for any unlawful purpose. • Transmit any harmful, offensive, or disruptive content via the contact form. • Attempt to gain unauthorised access to any part of the Website or its servers. • Interfere with the proper working of the Website.

If you choose to submit a testimonial via our Feedback form, you grant P V Sudheer Babu a non-exclusive, royalty-free, perpetual licence to publish, display, and reproduce your testimonial (including your first name, city, and country) on pvsbfinancial.com and related marketing materials, in full or in part, after editorial review. You confirm that the testimonial reflects your genuine experience and does not contain false, misleading, defamatory, or unlawful content. You retain ownership of your testimonial and may request its removal at any time by contacting us. We reserve the right to decline to publish any submission at our sole discretion.

To the maximum extent permitted by applicable law, P V Sudheer Babu shall not be liable for: • Any indirect, incidental, or consequential loss arising from use of the Website. • Errors, inaccuracies, or omissions in Website content. • Interruption or unavailability of the Website. • Any loss or damage arising from reliance on information provided on the Website. Our total liability to you shall not exceed INR 0 (zero), as the Website is provided free of charge. Nothing in this section limits any obligations arising under AMFI, IRDAI, SEBI, or any other applicable Indian statute or regulation.

The Website may contain links to third-party websites. These links are provided for your convenience. We have no control over the content of linked sites and accept no responsibility for their content or privacy practices.

We aim to keep the Website available at all times but do not guarantee uninterrupted access. We reserve the right to modify, suspend, or withdraw the Website at any time without notice.

These Terms of Use are governed by and construed in accordance with the laws of India. Any disputes arising from use of the Website shall be subject to the exclusive jurisdiction of the courts of Hyderabad, Telangana, India.

We may update these Terms of Use from time to time. The date of the last review appears at the bottom of this page. Continued use of the Website after any changes constitutes your acceptance of the updated Terms.

For any questions about these Terms, please contact us at: Email: contact@pvsbfinancial.com P V Sudheer Babu Hyderabad, Telangana, India

If you have a grievance relating to a mutual fund or insurance enquiry handled through this Website: 1. Contact us first: contact@pvsbfinancial.com — we will acknowledge within 72 hours and resolve within 30 days. 2. If unresolved, mutual fund grievances may be escalated to SEBI SCORES (scores.sebi.gov.in). 3. If unresolved, insurance grievances may be escalated to the IRDAI Bima Bharosa portal (bimabharosa.irdai.gov.in). P V Sudheer Babu is committed to resolving all complaints in accordance with AMFI and IRDAI grievance redressal guidelines.