Terms and conditions

Terms and Conditions

Effective Date: 13 August 2026 Applies to: https://rupeetalks.com

1. Introduction

These Terms and Conditions ("Terms") govern your use of https://rupeetalks.com (the "Website"), operated by RupeeTalks ("we", "us", "our"). By accessing or using this Website, submitting any form, or engaging with our services, you agree to be bound by these Terms. If you do not agree, please do not use this Website.

2. About Our Services

RupeeTalks provides financial advisory and wealth management services, including but not limited to mutual fund distribution, stock portfolio guidance, insurance solicitation, loans facilitation, and financial planning. RupeeTalks is an AMFI Registered Mutual Fund Distributor (ARN 95923). Certain services are offered in the capacity of an IRDAI-certified insurance adviser and PFRDA-registered NPS professional.

Nothing on this Website constitutes a guaranteed offer of services. Provision of any service is subject to a separate engagement, applicable eligibility criteria, and completion of any required documentation (including KYC).

3. Not Investment Advice Until Engaged

Content on this Website — including tools such as the SIP wealth projection calculator, fund categories, and general commentary — is for informational purposes only and does not constitute personalised investment, tax, or legal advice. Any figures shown (e.g. projected returns, corpus estimates) are illustrative, based on assumed rates of return, and are not a guarantee of actual performance. Personalised advice is provided only after a formal consultation and assessment of your individual financial situation.

4. Investment & Regulatory Disclaimers

  • Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
  • Past performance is not indicative of future results.
  • Insurance is the subject matter of solicitation.
  • Loan products are subject to the credit policies, terms, and approval of the respective lending institution; RupeeTalks facilitates but does not guarantee loan approval or terms.
  • We do not guarantee any specific investment outcome, return, or level of risk.

5. Eligibility

Our services are intended for individuals who are 18 years of age or older and legally capable of entering into binding contracts under applicable Indian law.

6. User Responsibilities

When using this Website or engaging our services, you agree to:

  • Provide accurate, current, and complete information in any form you submit
  • Not misuse the Website, including attempting unauthorised access, introducing malicious code, or disrupting its normal functioning
  • Use the Website and any tools (such as the SIP calculator) for personal, lawful, and informational purposes only

7. Communication Consent

By submitting any form or contacting us, you consent to be contacted via phone call, SMS, WhatsApp, RCS, or email regarding your enquiry and our products and services, even if your number is registered under NDNC/DND, as described in our Privacy Policy.

8. Intellectual Property

All content on this Website — including text, graphics, logos, images, and tools — is the property of RupeeTalks or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.

9. Third-Party Links and Platforms

This Website may link to or integrate with third-party platforms (e.g. WhatsApp, Justdial, IIFL/investedge scheduling and onboarding tools, social media). We are not responsible for the content, accuracy, or practices of these third-party platforms, and your use of them is subject to their own terms and policies.

10. Client Testimonials

Testimonials and reviews displayed on this Website reflect individual client experiences and opinions. They are not a guarantee of similar results for any other client and should not be relied upon as investment performance data.

11. Limitation of Liability

To the fullest extent permitted by law, RupeeTalks and its representatives shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from:

  • Use of, or inability to use, this Website
  • Reliance on any general information or illustrative tools provided on this Website
  • Market fluctuations, investment losses, or third-party actions beyond our reasonable control

This limitation does not affect any statutory rights you may have or exclude liability for fraud or wilful default.

12. Indemnity

You agree to indemnify and hold RupeeTalks harmless from any claims, losses, or liabilities arising out of your misuse of the Website or breach of these Terms.

13. Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any disputes arising out of or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts at Mumbai, Maharashtra.

14. Changes to These Terms

We may revise these Terms from time to time. Changes will be posted on this page with a revised effective date. Continued use of the Website after changes are posted constitutes acceptance of the updated Terms.

15. Contact Us

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

Email: support@rupeetalks.com Phone: +91 98671 16815 Website: https://rupeetalks.com

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