Terms of Use
Last Updated: April 2026
Welcome to Pranamya Financial Services. By accessing or using our website at pranamya.in or by engaging with any of our financial advisory services, you agree to be bound by the terms and conditions set out on this page. Please read them carefully before proceeding.
If you do not agree with any part of these Terms of Use, we kindly ask that you refrain from using our website or services. Your continued use of this website constitutes your acceptance of these terms.
These Terms of Use apply to all visitors, users, prospective clients, and existing clients of Pranamya Financial Services.
1. About Pranamya Financial Services
Pranamya Financial Services is a SEBI Registered Investment Advisor (RIA) based in Nagpur, Maharashtra, India. We are registered with the Securities and Exchange Board of India (SEBI) under the SEBI (Investment Advisers) Regulations, 2013 and operate in full compliance with all applicable laws and regulations governing investment advisory services in India.
Our registered office is located at Regus Building, 310, K10 Corporate, Plot No. 10, Nagpur, Maharashtra 440015.
For any queries related to these terms, you may contact us at: Email: hrushikesh@pranamya.in Phone: +91 9370007770
2. Nature of Our Services
Pranamya Financial Services provides personalised investment advisory, financial planning, mutual fund portfolio review, insurance guidance, and retirement planning services. We operate on a fee-only model, meaning we charge a transparent advisory fee and do not earn commissions from any fund house, insurance company, or bank.
The information, tools, calculators, blog articles, and educational content published on pranamya.in are provided for general informational and educational purposes only. They do not constitute personalised investment advice unless delivered directly to you as part of a formal advisory engagement.
Before making any financial decision based on content found on this website, we strongly recommend consulting with a qualified financial advisor — including our own team — to assess whether the information is relevant to your specific circumstances.
3. Eligibility
By using this website or our services, you confirm that:
You are at least 18 years of age or have the legal capacity to enter into binding agreements under applicable law.
You are accessing this website from within India or are an Indian citizen or Non-Resident Indian (NRI) seeking financial advisory services related to Indian markets.
You are not accessing this website from any jurisdiction where the content or services described herein are restricted or prohibited by local laws.
You will provide accurate, complete, and up-to-date information when interacting with us, including during onboarding, KYC completion, and financial planning sessions.
If you are accessing this website on behalf of a company, trust, or other legal entity, you represent that you have the authority to bind that entity to these terms.
4. Registration and Account Responsibility
Certain features of our website or client portal may require you to register or create an account. When you do so, you agree to:
Provide truthful and accurate information during the registration process.
Keep your login credentials confidential and not share them with any third party.
Notify us immediately at hrushikesh@pranamya.in if you believe your account has been accessed by an unauthorised person.
Accept full responsibility for all activity that occurs under your account.
Pranamya Financial Services reserves the right to suspend or terminate your access if we detect misuse, fraudulent activity, or a violation of these terms.
5. Investment Advisory Disclaimer
This is one of the most important sections of these terms. Please read it carefully.
Pranamya Financial Services is a SEBI Registered Investment Advisor. All investment advice provided by us is based on publicly available information, client-provided financial data, and our professional analysis at the time of advice. However, investments in mutual funds, equities, bonds, insurance products, and other financial instruments involve varying degrees of risk.
Past performance of any investment or investment strategy does not guarantee future results. The value of investments can go up as well as down. You may receive less than the amount you originally invested. No investment is entirely free of risk.
The general content on pranamya.in — including blog articles, knowledge hub posts, calculators, infographics, and social media posts — is provided for educational purposes only and should not be treated as personalised investment advice. Personalised advice is provided only through our formal advisory engagement process.
We do not guarantee any specific financial outcomes, returns, or results from following our advice or using the information on this website. All financial decisions remain your responsibility as the investor.
Pranamya Financial Services, its founders, advisors, and employees shall not be liable for any financial loss, missed opportunity, or investment outcome arising from decisions made based on the general content on this website.
If you are a registered client receiving formal advisory services, the terms of your Advisory Agreement shall govern the specific nature of the advice provided to you.
6. Acceptable Use of This Website
You agree to use pranamya.in only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use and enjoyment of the website. Specifically, you agree not to:
Use this website in any way that violates any applicable local, national, or international law or regulation, including SEBI regulations and the Information Technology Act, 2000.
Attempt to gain unauthorised access to any part of this website, its server, or any database or system connected to it.
Introduce viruses, trojans, worms, logic bombs, or any other malicious or technologically harmful material to this website.
Use automated tools, bots, scrapers, or any other means to extract data from this website without our prior written permission.
Impersonate any person or entity or misrepresent your affiliation with any person or entity while using this website or our services.
Use this website to transmit unsolicited commercial communications, spam, or any content that is offensive, harmful, defamatory, or misleading.
Reproduce, duplicate, copy, sell, or exploit any portion of this website or its content for commercial purposes without our express written consent.
We reserve the right to restrict or terminate your access to pranamya.in at any time and without notice if we believe you are in violation of these terms.
7. Intellectual Property Rights
All content on pranamya.in — including but not limited to text, articles, blog posts, graphics, logos, icons, images, audio clips, calculators, tools, and the overall design and layout of the website — is the intellectual property of Pranamya Financial Services and is protected under the Copyright Act, 1957 and other applicable intellectual property laws of India.
You are permitted to view, read, and share links to our content for personal, non-commercial purposes. However, you may not:
Copy, reproduce, or republish any content from this website in any form without our prior written permission.
Modify, adapt, or create derivative works based on our content.
Use our logo, brand name, or any other trademarks without our express written consent.
Frame or embed our website content within another website without permission.
If you wish to reference or quote any content from pranamya.in, please attribute it clearly to Pranamya Financial Services with a link to the original page. For republication requests, please write to hrushikesh@pranamya.in.
8. Third-Party Links and Resources
Our website may contain links to third-party websites, platforms, or resources — such as SEBI’s official portal, AMFI, mutual fund platforms, financial news websites, or regulatory resources. These links are provided for your convenience and informational purposes only.
Pranamya Financial Services does not endorse, control, or take responsibility for the content, accuracy, or privacy practices of any third-party website. Visiting those links is entirely at your own risk and subject to the terms and privacy policies of those respective websites.
We are not responsible for any loss or damage that may arise from your use of or reliance on any third-party content, products, or services accessed through links on our website.
9. Regulatory Disclosures
Pranamya Financial Services is registered with SEBI as an Investment Adviser. Our SEBI registration details are available on request and on the SEBI website. Clients and prospective clients are encouraged to verify our registration at www.sebi.gov.in before engaging our services.
Important regulatory disclosures:
Registration with SEBI as an Investment Adviser does not guarantee the quality of advice provided or the performance of investments made based on our recommendations.
Investment advice provided by Pranamya Financial Services is based on information obtained from sources believed to be reliable, but we do not guarantee its accuracy or completeness.
Clients are advised to read all scheme-related documents carefully before investing in any mutual fund or financial product.
Mutual fund investments are subject to market risks. Please read the Scheme Information Document (SID) and Key Information Memorandum (KIM) carefully before investing.
Insurance products mentioned or discussed on this website are illustrative in nature. Actual policy terms, conditions, and benefits vary by product and insurer.
Our fee structure, terms of engagement, and advisory process are disclosed clearly to all clients before the commencement of any advisory relationship. Clients are entitled to request a full disclosure of our fees and potential conflicts of interest at any time.
10. Privacy and Data Protection
Your use of this website and our services is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. Our Privacy Policy explains how we collect, use, store, and protect your personal and financial information.
By using this website, you acknowledge that you have read and agree to our Privacy Policy, available at pranamya.in/privacy-policy/.
11. Limitation of Liability
To the fullest extent permitted by applicable law, Pranamya Financial Services, its founders, directors, employees, advisors, and agents shall not be liable for:
Any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use this website or our services.
Any financial loss, investment loss, or missed opportunity arising from decisions made based on the content of this website, including blog articles, calculators, and educational resources.
Any loss arising from unauthorised access to your account or personal data due to circumstances beyond our reasonable control.
Any interruption, suspension, or termination of this website or our services, whether planned or unplanned.
Any errors, omissions, or inaccuracies in the content published on this website, including market data, regulatory information, or third-party references.
Our total liability to you for any claim arising out of or in connection with these terms or your use of our services shall not exceed the total advisory fees paid by you to Pranamya Financial Services in the twelve months preceding the claim.
Nothing in these terms excludes or limits our liability for fraud, wilful misconduct, or any other liability that cannot be excluded under applicable Indian law.
12. Indemnification
You agree to indemnify, defend, and hold harmless Pranamya Financial Services, its founders, employees, advisors, and agents from and against any claims, liabilities, damages, losses, costs, or expenses — including reasonable legal fees — arising from:
Your violation of these Terms of Use.
Your use of this website or our services in a manner that causes harm to a third party.
Any information you provide to us that is false, misleading, or incomplete.
Your violation of any applicable law, regulation, or third-party rights.
13. Modifications to the Website and Terms
Pranamya Financial Services reserves the right to:
Modify, update, or remove any content on pranamya.in at any time and without prior notice.
Change, suspend, or discontinue any feature, service, or section of this website at our sole discretion.
Update these Terms of Use at any time. When we make significant changes, we will update the “Last Updated” date at the top of this page.
Your continued use of this website after any changes to these terms constitutes your acceptance of the revised terms. We encourage you to review this page periodically.
14. Termination
We reserve the right to terminate or suspend your access to our website or services at any time, with or without cause and with or without notice, if we reasonably believe that:
You have violated these Terms of Use.
Your actions may harm or create legal or regulatory risk for Pranamya Financial Services or any of its clients.
You have provided false or misleading information.
Termination of access does not affect any rights or obligations that arose prior to the termination. The disclaimers, limitations of liability, indemnification, and governing law provisions of these terms shall survive termination.
15. Governing Law and Dispute Resolution
These Terms of Use are governed by and construed in accordance with the laws of India, without regard to its conflict of law principles.
Any dispute, claim, or controversy arising out of or relating to these terms, your use of this website, or our services shall first be attempted to be resolved through mutual discussion and good faith negotiation between both parties.
If a resolution cannot be reached through negotiation within 30 days, the dispute shall be subject to the exclusive jurisdiction of the competent courts located in Nagpur, Maharashtra, India.
Nothing in this section prevents either party from seeking urgent injunctive or equitable relief from a court of competent jurisdiction where necessary to protect their rights.
16. Severability
If any provision of these Terms of Use is found to be invalid, unlawful, or unenforceable under applicable law, that provision shall be deemed modified to the minimum extent necessary to make it enforceable — or, if modification is not possible, it shall be severed from these terms. The remaining provisions shall continue in full force and effect.
17. Entire Agreement
These Terms of Use, together with our Privacy Policy and any Advisory Agreement signed by registered clients, constitute the entire agreement between you and Pranamya Financial Services with respect to your use of this website and our services. They supersede all prior agreements, representations, and understandings — whether written or oral — relating to the same subject matter.
18. Contact Us
If you have any questions, concerns, or feedback about these Terms of Use, please reach out to us. We are always happy to explain anything that is unclear.
Pranamya Financial Services Regus Building, 310, K10 Corporate, Plot No. 10 Nagpur, Maharashtra 440015
Email: hrushikesh@pranamya.in Phone: +91 9370007770 Website: https://pranamya.in
We will respond to all queries within 2 business days.
These Terms of Use are effective from April 2026 and are subject to change. They are governed by the laws of India. All disputes are subject to the exclusive jurisdiction of the courts in Nagpur, Maharashtra.