Effective Date: 6 October 2026

IMPORTANT INFORMATION

Welcome to PaisaWalaGuru.in, a financial guidance and consulting platform powered by LV Biz Law Advisory Pvt. Ltd.

The information provided on this website is intended to support financial awareness, general understanding, guidance and consulting assistance. It should not be considered a guarantee, promise or assurance of any particular financial outcome.

Users should carefully evaluate their own financial circumstances and obtain appropriate professional advice before making important financial decisions.

1. GENERAL FINANCIAL INFORMATION

The information published on PaisaWalaGuru.in may include general information, educational material, product-related information, financial concepts, risk considerations and guidance.

Such information is provided for general informational purposes and may not be suitable for every individual, family, investor, entrepreneur or business.

Financial circumstances differ from person to person.

Therefore, information available on this website should not be treated as a personalised recommendation unless expressly provided through an applicable and authorised service arrangement.

2. NO GUARANTEE OF RETURNS

PaisaWalaGuru.in does not guarantee or promise:

  • Investment returns
  • Profits
  • Capital appreciation
  • Fixed or assured returns
  • Future performance of any investment
  • Success of any financial strategy
  • Specific financial outcomes

Past performance, historical data or previous returns, where mentioned, should not be interpreted as an indication or guarantee of future performance.

3. INVESTMENT RISK

All investments involve risk.

Depending on the nature of the product, risks may include:

Market Risk • Credit Risk • Business Risk • Liquidity Risk • Valuation Risk • Interest Rate Risk • Regulatory Risk • Currency Risk • Capital-Loss Risk

Investors may lose part or all of their invested capital depending on the product and circumstances.

Customers should carefully read all applicable product and offer documents before investing.

4. MUTUAL FUNDS

Mutual fund investments are subject to market risks.

The value of mutual fund investments may increase or decrease depending on market conditions and the performance of the underlying securities.

PaisaWalaGuru.in does not guarantee any mutual fund’s future performance, return or appreciation.

Investors should read all scheme-related documents carefully and consider their own financial objectives and risk profile before investing.

5. UNLISTED SHARES

Unlisted shares and securities may involve significant risks and complexities.

These may include:

  • Limited liquidity
  • Valuation uncertainty
  • Business risk
  • Limited marketability
  • Information limitations
  • Transfer restrictions
  • Long investment horizons
  • Potential loss of capital

PaisaWalaGuru.in does not guarantee:

  • Future listing
  • Listing price
  • Share appreciation
  • Liquidity
  • Buyer availability
  • Dividend
  • Capital gains
  • Any specific return

Customers should conduct appropriate due diligence and obtain suitable professional advice before considering unlisted securities.

6. BONDS & DEBENTURES

Bonds and debentures are subject to the terms and risks applicable to the respective issuer and instrument.

Potential risks may include:

  • Credit / default risk
  • Interest-rate risk
  • Liquidity risk
  • Market risk
  • Reinvestment risk
  • Issuer-specific risk

A stated coupon or interest rate does not eliminate investment risk.

Customers should carefully review the issuer’s financial position, applicable offer documents, security, ratings where applicable and terms before investing.

7. FIXED DEPOSITS

Fixed deposits are subject to the terms and conditions of the respective bank, financial institution or deposit-taking entity.

Interest rates, tenure, premature withdrawal conditions, taxation and applicable deposit protection may vary.

Customers should independently verify the applicable terms and protections before placing a deposit.

PaisaWalaGuru.in does not guarantee the financial performance or obligations of any third-party institution.

8. INSURANCE

Insurance products are subject to the terms, conditions, exclusions, eligibility requirements and underwriting decisions of the respective insurer.

PaisaWalaGuru.in does not guarantee:

  • Policy issuance
  • Acceptance of an insurance proposal
  • Premium amount
  • Coverage
  • Claim approval
  • Claim settlement
  • Renewal
  • Continuation of coverage

Where applicable, insurance services may be facilitated through authorised insurers, intermediaries or third-party platforms, including Policybazaar or other authorised service providers.

The applicable insurance policy and insurer’s terms will govern the insurance contract.

9. LOANS & CREDIT

Loan and credit services are subject to the policies, eligibility criteria, credit assessment and final decision of the respective lender or financial institution.

PaisaWalaGuru.in does not guarantee:

  • Loan approval
  • Sanction amount
  • Interest rate
  • Loan tenure
  • Credit limit
  • Disbursement
  • Approval timeline

Lenders may consider income, credit history, documentation, repayment capacity, security and other applicable factors.

10. FINANCIAL RISK ANALYSIS

Any risk analysis, comparison, assessment or observation provided through PaisaWalaGuru.in is intended to assist with understanding relevant considerations.

It should not be interpreted as a guarantee that an investment, financial product or transaction will succeed or fail.

Actual outcomes may differ due to market conditions, business performance, economic circumstances, regulatory changes and other factors.

11. THIRD-PARTY INFORMATION

PaisaWalaGuru.in may refer users to or connect users with third-party:

  • Insurers
  • Financial institutions
  • Banks
  • Lenders
  • Investment platforms
  • Authorised intermediaries
  • Service providers
  • Other financial organisations

Information relating to third-party products or services may be obtained from third-party sources or providers.

We do not guarantee the accuracy, completeness, availability or continued validity of third-party information.

Users should verify important information directly with the relevant provider before proceeding.

12. THIRD-PARTY WEBSITES

Our website may contain links to external websites and platforms.

These links are provided for information, convenience or service access.

PaisaWalaGuru.in and LV Biz Law Advisory Pvt. Ltd. do not control third-party websites and are not responsible for their:

  • Content
  • Accuracy
  • Privacy practices
  • Security
  • Availability
  • Terms
  • Services
  • Products
  • Decisions

Users access third-party websites at their own discretion.

13. NO PROFESSIONAL ADVICE UNLESS EXPRESSLY APPLICABLE

Information available on this website should not automatically be considered:

  • Investment advice
  • Legal advice
  • Tax advice
  • Accounting advice
  • Insurance underwriting advice
  • Lending approval
  • Personalised financial advice

Where a particular service requires a specific registration, licence, qualification or authorised professional, such requirements will apply separately.

Customers should consult a suitably qualified and authorised professional where specialised advice is required.

14. ACCURACY OF INFORMATION

We make reasonable efforts to maintain useful and accurate website information.

However, financial products, interest rates, market conditions, regulations, fees, eligibility requirements and product availability may change.

Therefore, we do not guarantee that all information on the website will always be:

  • Complete
  • Current
  • Accurate
  • Error-free
  • Applicable to every customer

Users should verify time-sensitive or transaction-specific information with the relevant authorised provider.

15. NO LIABILITY FOR MARKET LOSSES

Financial markets and financial products can be affected by numerous factors beyond our control.

To the extent permitted by applicable law, PaisaWalaGuru.in and LV Biz Law Advisory Pvt. Ltd. shall not be responsible for losses resulting from:

  • Market movements
  • Investment performance
  • Capital loss
  • Changes in interest rates
  • Business performance
  • Issuer default
  • Liquidity limitations
  • Third-party decisions
  • Regulatory changes
  • Economic conditions

Nothing in this Disclaimer excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

16. CUSTOMER RESPONSIBILITY

Customers are responsible for making their own financial decisions.

Before proceeding with any financial product, customers should:

UNDERSTAND

Understand the product and its purpose.

REVIEW

Read the applicable documents, terms and conditions.

ANALYSE

Consider risks, costs, liquidity and potential outcomes.

COMPARE

Consider relevant alternatives where appropriate.

ASSESS

Evaluate the product according to personal financial circumstances and risk tolerance.

SEEK ADVICE

Consult an appropriately qualified and authorised professional where necessary.

17. FRAUD & SECURITY WARNING

PaisaWalaGuru.in will not ask users to disclose confidential security credentials such as:

  • OTP
  • UPI PIN
  • ATM PIN
  • Debit / Credit Card PIN
  • CVV
  • Internet Banking Password
  • Account Password
  • Login Credentials
  • Authentication Codes

Users should never share such information with unknown persons claiming to represent PaisaWalaGuru.in or any financial institution.

If you receive a suspicious communication, verify the source through official contact channels before taking any action.

18. WEBSITE AVAILABILITY

We aim to maintain reliable website access but do not guarantee uninterrupted or error-free availability.

The website may be temporarily unavailable due to:

  • Maintenance
  • Technical issues
  • Server problems
  • Network failures
  • Security incidents
  • Updates
  • Events beyond our reasonable control

19. CHANGES TO THIS DISCLAIMER

PaisaWalaGuru.in may update this Disclaimer from time to time to reflect changes in:

  • Services
  • Website functionality
  • Business activities
  • Applicable laws
  • Regulatory requirements
  • Industry practices

The updated version will be published on this page with a revised effective date.

20. REGULATORY & LEGAL COMPLIANCE

The nature and scope of services available through PaisaWalaGuru.in may vary depending on applicable laws, regulations, registrations, licences, partnerships, authorisations and eligibility requirements.

Where a particular financial activity is regulated, the applicable regulatory framework and requirements will prevail.

Nothing on this website should be interpreted as a representation that every financial service or activity is directly provided, advised upon or executed by LV Biz Law Advisory Pvt. Ltd.

21. IMPORTANT CUSTOMER NOTICE

Before making any financial decision, customers are encouraged to:

Read the documents.
Understand the risks.
Check the costs.
Verify the provider.
Consider liquidity and time horizon.
Evaluate their own financial circumstances.
Seek qualified professional advice where appropriate.

22. CONTACT US

If you have any questions regarding this Disclaimer or the information provided on PaisaWalaGuru.in, please contact us.

LV Biz Law Advisory Pvt. Ltd.

Platform: PaisaWalaGuru.in

Email: [ENTER OFFICIAL EMAIL]

Phone: [ENTER OFFICIAL CONTACT NUMBER]

Address: [ENTER REGISTERED / CORPORATE OFFICE ADDRESS]

For disclaimer-related enquiries, please mention:

“Disclaimer Enquiry”

PAISAWALAGURU.IN

Smart Guidance. Informed Decisions. Better Financial Futures.

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LV Biz Law Advisory Pvt. Ltd.

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