Terms & Conditions

Privacy Policy, Refund and Cancellation, Disclaimers, Copy Right & Terms of Use

Disclaimer

The purpose of this website is to provide information only and the contents of this website do not constitute financial advice.

Wealth Crafts will endeavour to update the website on a regular basis. However, information can change without notice and Wealth Crafts does not guarantee the accuracy of information on the website, including information provided by third parties, at any time.

The information is selective and may not be complete or accurate for your particular purposes and should not be construed as a recommendation to invest in any particular product, investment or security. The information provided on this website is given in good faith and is believed to be accurate at the time of compilation.

Every effort has been made to ensure that the information provided is accurate. However, you must not rely on this information to make a financial or investment decision. Before making any decision, we recommend you to consult a financial planner to take into account your particular investment objectives, financial situation and individual needs, before any investment.

Wealth Crafts does not give any warranty as to the accuracy, reliability or completeness of information which is contained in this website. Except in so far as any liability under statute cannot be excluded, Wealth Crafts and their employees do not accept any liability for any error or omission of any information on this web site or for any resulting loss or damage suffered by the recipient or any other person.

For your convenience, this website may contain hyperlinks to websites and servers maintained by third parties. We do not control, evaluate, endorse or guarantee content found in those sites. We do not assume any responsibility or liability for the actions, products, services and content of these sites or the parties that operate them. Your use of such sites is entirely at your own risk.

Unless otherwise specified, copyright of information provided on this website is owned by Wealth Crafts. You may not alter or modify this information in any way, including the removal of this copyright notice.

Confidentiality

Wealth Crafts is committed to safeguarding the confidentiality, integrity and security of the personal information that is entrusted to us.  All personal information provided to our firm is held in the strictest confidence. The categories of non-public information that we collect from you may include information: 

  • About your personal goals and financial situation; 
  • About your health to the extent needed for the planning process; 
  • About transactions between you and third parties; and 
  • From consumer reporting agencies.

Access to your information is limited. Only employees and agents who have a business or professional reason for knowing your information are allowed access. We do not share client information with other companies for marketing purposes. 

We do not share information with non-affiliated parties except as required or permitted by law or by your consent. For unaffiliated parties that require access to personal information, such as financial services companies, consultants and auditors, we also require strict confidentiality in our agreements with them and expect them to keep this information private. For example, central government and state regulators may review firm records as permitted by law. 

We maintain a secure office and computer environment to ensure that your information is not placed at unreasonable risk.

Personally identifiable information about you will be maintained during the time you are a client, and for the time period that such records are required as per code of conduct prescribed by SEBI/FPSB India/Any other regulator body required by law.

We use your information in helping you meet your personal financial goals while guarding against any real or perceived infringement of your rights of privacy. We will notify you in advance if our privacy policy is expected to change.

Copyright

This blog and its  content , archives  and images is Copyright by Wealth Crafts. All rights reserved. If you are interested in linking, quoting, or reprinting articles from Wealth Crafts in whole or in part, please do read our copyright policy:

Cut and paste of entire/part of posts are strictly prohibited and will be taken very seriously. That is copyright infringement. Also prohibited are full translations of our articles on separate websites or blogs.

You may not republish articles/full or part posts from Wealth Crafts without direct written permission from us. Feel free to quote anything from this work with a link to it as a source, but keep in mind that this is copyrighted material.

Always provide a hyperlink (full URL) to the article where the quote is from and do not use techniques (like rel=nofollow) that try to hide credits from search engines. Copy quoted material exactly, enclose it in quotation marks, and mention Wealth Crafts immediately before or after the quote.

All trademarks within are property of their respective holders.

Although the author believes the contents to be accurate at the time of publication, no liability is assumed for them, their application or any consequences thereof. If any misrepresentations, errors or other need of clarification is found, please contact the author immediately.

Privacy Policy

Please read Wealth Crafts privacy policy before using blog or submitting any personal information.

By using the blog you are accepting the privacy policy of Wealth Crafts.

We respect your right to privacy and will protect it when you visit our blog. Wealth Crafts has contact information (including e-mail addresses) for specific sections. If you send any correspondence to us, your email address will be used to fulfill your specific requests, unless you give us permission to use it in another manner like adding to our mailing list.

Cookies and Tracking Technology

 

Wealth Crafts may use cookies tracking technology depending on the features offered. A cookie is a text file that is placed on your hard disk by a server and stored in your browser. Cookies can not be used to deliver viruses to your computer and dont run programs. Cookies are uniquely assigned to you and can only be read any domain of the web server that issued the cookie to you. Cookie and Tracking Technology are useful for gathering information such as browser type, operating system, number of visitors to the site and understanding visitors interest on the site.

Third-party vendors, including Google, also use cookies to serve ads on our site based on a user’s prior visits. Google’s use of the DART cookie enables it and its partners to serve ads to our users based on their visit to our site and/or other sites on the Internet. Users may opt out of the use of the DART cookie by visiting Google ad and content network privacy policy.

If you have any questions, concerns or comments regarding our privacy policy you may contact us. This privacy policy is reviewed and revised from time to time.

Duration of Service and Cancellation Policy

Validity of advisory services: The advisory services are valid for a period of for 6 months from the date of payment. Renewal will be based on mutual consent for a further period thereafter.

Amendments: The agreement may be amended by mutual written consent of the parties.

Termination:  This agreement may be terminated under the following circumstances, namely:

  1. Voluntary / mandatory termination by the Investment Adviser.
  2. Voluntary / mandatory termination by the client.
  3. Suspension / Cancellation of registration of Investment Adviser by SEBI.
  4. Any other action taken by other regulatory body / Government authority.

In case of a voluntary termination of the agreement, the client would be required to give a 30-day prior written notice while the Investment Adviser would be required to give a 30-day prior written notice. In case of suspension of the certificate of registration of the IA, the client may be provided with the option to terminate the agreement.

Implications of amendments and termination:

  1. If the termination is initiated by the advisor and happens within 7 days of planning activity 100% of the fee will be refunded. If the termination happens after 15 days but after the submission of the financial planning document 30% of the fee will be provided, if so charged and paid for that engagement. There will be no refund in case of client-initiated termination for engagement.
  2. If the termination is due to suspension/cancellation of registration or due to any other action taken by other regulatory body/government authority then the retainer fees will be refunded on a pro-rata basis.

Grievance Redressal

Investment Adviser shall be responsible to resolve the grievances within the timelines specified under SEBI circulars. 

In case of any complaint/grievance, the client can send an email to vivek@wealthcrafts.in. A resolution will be given within 2 to 4 weeks or within the timelines specified by SEBI, whichever is earlier. 

If not satisfied, the client can lodge a complaint in SEBI Complaint Redress System https://www.scores.gov.in/scores or send the details to the local office of SEBI at Bengaluru Local Office:

2nd Floor, Jeevan Mangal Building,

No.4, Residency Road,

Bengaluru – 560025

ODR Portal could be accessed, if unsatisfied with the response. Your attention is drawn to the SEBI circular no. SEBI/HO/OIAE/OIAE_IAD-1/P/CIR/2023/131 dated July 31, 2023, on “Online Resolution of Disputes in the Indian Securities Market”. 

A common Online Dispute Resolution Portal (“ODR Portal”) which harnesses conciliation and online arbitration for resolution of disputes arising in the Indian Securities Market has been established. ODR Portal can be accessed via the following link – https://smartodr.in/ 

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Terms & Conditions