Terms & Conditions

These Terms & Conditions govern your use of the Bharat Finserv website  (https://bharatfinserv.online) and any related digital platforms, tools, or communication channels operated by Bharat Finserv (“Company,” “We,” “Us,” “Our”).

By accessing or using our platform, you acknowledge and agree to these Terms. If you do not agree, you must discontinue use immediately.

In this document:

“You,” “Your,” “User,” “Client,” “Customer,” “Subscriber,” “Investor” refer to individuals accessing or using Bharat Finserv’s services.

By using our website, forms, tools, calculators, or communication channels, you enter into a legally binding agreement with Bharat Finserv.

You confirm that you are 18 years or older, mentally competent, and legally permitted to use financial advisory and comparison services in India.

These Terms must be read together with our Privacy Policy, Disclaimer, and other relevant documents displayed on the website.

Bharat Finserv is a financial advisory and comparison platform that enables users to compare and explore products such as:

Insurance

Loans

Investments

Wealth solutions

The platform displays information, quotes, and plans based on publicly available data, partner APIs, and information shared by financial institutions.

Important Notes

Bharat Finserv is not responsible for regulatory, tax, legal, or accounting implications of your choices.

We act purely as a facilitator between the user and the respective financial institution.

Product availability, pricing, eligibility, and approval timelines are solely controlled by the bank, NBFC, AMC, or insurer.

Users should verify critical information directly with the respective provider before making decisions.

To use Bharat Finserv’s services, you agree to the following:

Provide accurate, complete and updated information including KYC details when required.

Maintain confidentiality of your login credentials and OTPs.

Use the website only for personal, lawful, and non-commercial purposes.

You must not:

Attempt unauthorized access to the platform

Tamper with website security, algorithms, calculators, or data

Copy, modify, or redistribute website content without written permission

Misuse tools/calculators for misleading or illegal purposes

Upload false documents or impersonate another individual

We may suspend or terminate your access if any misuse is detected.

When you request advisory or assistance with insurance, loans, or investments:

You authorize Bharat Finserv to process your information as per regulatory guidelines

You confirm that your funds and documentation comply with Income Tax Act, RBI norms, SEBI regulations, IRDAI rules, and anti-money-laundering laws

You agree that some applications may be declined by financial institutions due to incomplete KYC, mismatch in details, or risk policies

The Bharat Finserv platform may redirect you to websites of banks, NBFCs, insurers, AMCs, or payment gateways.

We do not control external websites

We are not liable for content, accuracy, service quality, or security on those sites

Your activity on third-party sites is subject to their terms and policies

Even after termination of your use of the website:

You must maintain confidentiality of any proprietary or confidential information you access

You may not copy, repost, or commercialize any part of Bharat Finserv’s platform, tools, content, or materials without written approval

To the maximum extent allowed by law, Bharat Finserv, its partners, employees, and affiliates are not liable for:

Loss of profits, investment losses, or opportunity costs

Delays, failures, or inaccuracies caused by banks, NBFCs, AMCs, insurers, RTAs, or external APIs

System errors, downtime, cyber incidents, or internet failures

Decisions made by the user based on calculators, comparisons, or displayed information

All decisions made by the user are solely at their own risk.

You agree to indemnify and hold Bharat Finserv, its employees, partners, and agents harmless from any claims, losses, damages, penalties, or liabilities arising from:

Misuse of the platform

Violation of laws or policies

Submission of incorrect or fraudulent information

Unauthorized sharing of confidential or KYC data

The website and all its content are provided on an “as-is” and “as-available” basis.

We do not guarantee that:

Website operations will be error-free or uninterrupted

Tools, calculators, or comparisons will be accurate in all cases

External platforms will function properly

Recommendations will suit every individual’s financial goals

Users must seek independent professional advice before making investment or loan decisions.

All text, graphics, branding, tools, calculators, code, and design elements belong to Bharat Finserv.

Users must not copy, reproduce, or create derivative works without written permission.

Bharat Finserv may modify these Terms at any time. Updates will be posted on this page and will be effective immediately. Continued use of the website implies acceptance of updated terms.

We may communicate through SMS, WhatsApp, email, or phone using contact information provided by you.

If you are registered under DND, you may not receive SMS alerts.

If any dispute arises:

Parties shall first attempt to resolve it amicably within 30 days.

If unresolved, disputes will be settled through arbitration under the Arbitration & Conciliation Act, 1996.

Arbitration Details

Venue: Varanasi, Uttar Pradesh

Language: English

Arbitrator: Appointed mutually or by the competent authority

Except arbitration matters, all disputes shall fall under the exclusive jurisdiction of Varanasi, Uttar Pradesh courts.

Bharat Finserv will not be liable for delays or failures caused by events beyond reasonable control, including:

Natural disasters

War, civil unrest

Internet outages

Cyber attacks

Government restrictions

If you have questions about these Terms, contact us anytime:

📍 Bharat Finserv

Varanasi, Uttar Pradesh

📞 +91 8299533212