Terms of Service

Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the services provided by ITS YOUR BENEFIT ("we," "our," or "us"). By accessing or using our website and services, you agree to be bound by these Terms.

If you do not agree to these Terms, you may not access or use our services. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting.

Description of Services

ITS YOUR BENEFIT provides financial advisory and consulting services, including but not limited to:

• Financial planning and advisory services
• Investment planning and portfolio management
• Tax planning and optimization strategies
• Retirement planning and wealth management
• Risk assessment and insurance advisory
• Estate planning and succession planning

Our services are provided for informational and advisory purposes only and do not constitute financial, legal, or tax advice. All investment decisions are made at your own risk.

Eligibility and Account Registration

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate, current, and complete information during registration
• Maintain and update your account information as necessary
• Comply with all applicable laws and regulations

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

User Responsibilities

You agree to:

• Provide truthful and accurate information
• Use our services only for lawful purposes
• Not engage in any fraudulent, deceptive, or illegal activities
• Not attempt to gain unauthorized access to our systems
• Not interfere with or disrupt our services or servers
• Respect intellectual property rights
• Comply with all applicable financial regulations

Fees and Payment

Our service fees are disclosed to you before you engage our services. You agree to pay all fees as agreed upon in your service agreement. Fees may include:

• Consultation fees
• Advisory fees (one-time or recurring)
• Transaction fees for certain services
• Third-party fees (e.g., brokerage, platform fees)

All fees are non-refundable unless otherwise specified in your service agreement or required by law. We reserve the right to modify our fee structure with prior notice.

Investment Risks and Disclaimers

Important: All investments carry risk, and past performance does not guarantee future results. You acknowledge and agree that:

• Investment values may fluctuate and you may lose money
• Our recommendations are based on information provided by you and market conditions at the time
• We do not guarantee any specific investment returns
• You are solely responsible for your investment decisions
• You should consult with qualified professionals before making significant financial decisions

Limitation of Liability

To the maximum extent permitted by law:

• Our services are provided "as is" without warranties of any kind
• We are not liable for any indirect, incidental, or consequential damages
• Our total liability shall not exceed the fees paid by you in the 12 months preceding the claim
• We are not responsible for losses arising from market fluctuations, regulatory changes, or force majeure events

Intellectual Property

All content, materials, and intellectual property on our website and in our services, including but not limited to text, graphics, logos, and software, are the property of ITS YOUR BENEFIT or its licensors and are protected by copyright and trademark laws.

You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

Confidentiality

We maintain strict confidentiality regarding your financial information and personal data, subject to:

• Legal and regulatory requirements
• Court orders or subpoenas
• Your explicit consent
• Protection of our rights and interests

Termination

Either party may terminate the service agreement:

• By providing written notice as specified in your service agreement
• Immediately in case of breach of these Terms
• Upon completion of the agreed-upon services

Upon termination, you remain responsible for all fees incurred up to the termination date. We may suspend or terminate your access to our services at any time for violation of these Terms.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the courts in Dehradun, Uttarakhand, India.

We encourage resolution of disputes through good faith negotiation before pursuing legal action.

Regulatory Compliance

ITS YOUR BENEFIT operates in compliance with applicable financial regulations in India, including:

• Securities and Exchange Board of India (SEBI) regulations
• Insurance Regulatory and Development Authority of India (IRDAI) guidelines
• Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements
• Income Tax Act and related regulations

Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be notified to you via email or through our website. Your continued use of our services after such modifications constitutes acceptance of the updated Terms.

Severability

If any provision of these Terms is found to be unenforceable or invalid, such provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.