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 the financial products we distribute (mutual funds, life and health insurance, and capital gain and other bonds). • 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 starts a conversation with us - not an automated investment. The contact form is for adults only: you must be 18 or older to use it. 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. Please read the scheme or policy documents carefully and seek independent professional advice where needed. P V Sudheer Babu is a Mutual Fund Distributor and insurance agent, not a SEBI-registered Investment Adviser. Conversations through WhatsApp, email, phone, or any other channel started from this Website provide product information and support; they do not constitute investment advice.

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.

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. 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) and then to the SEBI SMART ODR online dispute resolution portal (smartodr.in). 3. If unresolved, insurance grievances may be escalated to the insurer, the IRDAI Bima Bharosa portal (bimabharosa.irdai.gov.in) and the Insurance Ombudsman (cioins.co.in). P V Sudheer Babu is committed to resolving all complaints in accordance with AMFI and IRDAI grievance redressal guidelines.