Disclaimer

This Disclaimer governs your use of the Bharat Finserv website (https://bharatfinserv.net) and all associated digital services, tools, and content (“Platform”).

By accessing or using our Platform, you acknowledge and agree to the terms stated in this Disclaimer.

This document constitutes an electronic record under the Information Technology Act, 2000, and is enforceable without requiring a physical or digital signature.

Under no circumstances shall Bharat Finserv or its partners, directors, employees, associates, contractors, advisors, suppliers, or affiliates be liable for:

Direct, indirect, incidental, punitive, or consequential damages

Losses relating to investment products, loans, insurance decisions, or financial planning

Losses arising from your use or inability to use the Platform

Delays, inaccuracies, or errors caused by third-party data providers (banks, NBFCs, AMCs, RTAs, insurers, credit bureaus, etc.)

Any action taken or not taken by third-party institutions based on the information you submit

Maximum liability, in any case, shall not exceed ₹500 or the amount mandated by applicable regulatory guidelines, whichever is lower.

Bharat Finserv is not responsible for any losses beyond its reasonable control.

Our systems may automatically collect information about how you use the Platform, including browsing behaviour and product preferences. This information is used to personalize recommendations — but recommendations should not be interpreted as investment or financial advice.

Final decisions are solely yours.

You must consult a qualified financial advisor before investing.

Services such as KYC processing, account information, loan/insurance comparison, and investment tools depend on stable network connectivity and third-party systems.

Bharat Finserv does not guarantee:

Uninterrupted access

Error-free performance

Zero downtime or security vulnerabilities

Service disruptions may occur due to maintenance, technical errors, cyber risks, or third-party failures.

The Platform lists products offered by various banks, NBFCs, insurers, mutual fund AMCs, and other financial institutions.

Listing a product does not constitute endorsement.

Users must verify product suitability and terms before selecting any financial product.

Bharat Finserv merely facilitates data display and application forwarding.

Mutual Fund investments are subject to market risks.

Past performance does not guarantee future returns.

Read all scheme-related documents carefully before investing.

Bharat Finserv does not provide legal, tax, accounting, or investment advice.

Seek independent professional guidance before making any financial decisions.

All returns, calculators, charts, projections, and analysis tools are provided on an “as-is” basis and must not be considered guaranteed predictions.

Much of the information on Bharat Finserv is sourced from third-party vendors, APIs, and financial institutions. This includes:

Interest rates

Insurance details

Mutual fund NAVs, performance, riskometer, holdings

Loan eligibility data

Credit report details

Comparison metrics

Because this information is externally sourced, we cannot guarantee accuracy, timeliness, or completeness.

Users must verify critical information directly from the respective financial institution.

Rates displayed on Bharat Finserv may vary daily depending on repo rate movements, market conditions, and institutional policies.

Check the official bank/NBFC website for the latest rates.

We strive to display accurate details, but insurance terms, exclusions, premium calculations, and benefits must be verified from the insurer’s official policy document.

All mutual fund performance data is sourced from third-party providers.

Bharat Finserv is not responsible for:

Incorrect NAV

Outdated returns

Incorrect riskometer ratings

Data mismatches in holdings or portfolio details

Comparison results and calculator outputs are illustrative only.

Do not make final decisions solely on automated results.

To process services such as:

Mutual fund investments

Insurance policies

Loan applications

Credit improvement services

Users must provide accurate personal and financial information.

We are not responsible for:

KYC delays at AMCs, RTAs, Banks, NBFCs, or regulatory authorities

Rejection of applications due to mismatched documents or incorrect user data

Additional information requested by institutions for due diligence

Payments for investments or insurance premiums may be processed through:

Third-party payment gateways

UPI

Net banking

NEFT/RTGS/IMPS

Auto-debit mandates

Bharat Finserv does not control banking infrastructure and is therefore not liable for:

Failed or pending transactions

Delayed settlement of funds

Rejected payments due to incorrect account details

Fraudulent use of banking credentials

Once a financial transaction is completed, it cannot be cancelled.

For products like loans, insurance policies, and credit cards:

Bharat Finserv forwards your application to the respective bank or insurer

Eligibility assessment is done solely by the financial institution

Approval is not guaranteed

Turnaround time depends entirely on the respective provider

Portfolio insights such as:

P&L

Capital gains

Tax calculations

Holdings

Performance analytics

are based entirely on third-party data and offer no guarantee of accuracy.

These features are for convenience only — not advisory.

Bharat Finserv is not liable for delays, failures, or inaccuracies arising from events beyond reasonable control, including:

Natural disasters

Cyberattacks

Power or internet failures

Government restrictions

Market disruptions

Third-party service failures

You agree that:

All investment decisions are made at your own risk

You will verify terms directly from official sources

You will read all relevant product documents before applying

You will not base decisions solely on Platform recommendations

Contact Information

For any concerns regarding this Disclaimer:

📍 Bharat Finserv

Varanasi, Uttar Pradesh

📞 8299533212