Effective Date: 6 October 2026
1. INTRODUCTION
Welcome to PaisaWalaGuru.in, a financial guidance and consulting platform powered by LV Biz Law Advisory Pvt. Ltd.
These Terms & Conditions govern your access to and use of the PaisaWalaGuru.in website, its content, enquiry forms, consultation services and other features or services made available through the platform.
By accessing or using this website, you acknowledge that you have read, understood and agreed to these Terms & Conditions.
If you do not agree with these Terms, please discontinue use of the website.
2. ABOUT PAISAWALAGURU.IN
PaisaWalaGuru.in is operated by LV Biz Law Advisory Pvt. Ltd.
The platform is intended to provide financial information, awareness, guidance and consulting support across applicable categories, which may include:
- Insurance
- Mutual Funds
- Fixed Deposits
- Bonds
- Debentures
- Unlisted Shares
- Loans & Credit
- Financial Risk Analysis
- Financial Awareness
The availability and scope of any particular service may vary depending upon applicable laws, regulations, registrations, licences, partnerships, eligibility requirements and authorised service channels.
3. NATURE OF OUR SERVICES
PaisaWalaGuru.in aims to help users understand financial products, relevant options, risks, costs, conditions and other important considerations.
Our services may include:
- General financial information
- Financial awareness content
- Product-related information
- Requirement assessment
- Consulting and guidance support
- Risk-related discussions
- Product comparison information
- Assistance with enquiries
- Connecting customers with relevant authorised providers or platforms
The specific nature of any service will depend on the applicable product, customer requirement and regulatory framework.
4. NO GUARANTEE OF FINANCIAL OUTCOME
PaisaWalaGuru.in does not guarantee:
- Investment returns
- Capital appreciation
- Profit
- Insurance policy approval
- Insurance claim settlement
- Loan approval
- Credit approval
- Specific interest rates
- Specific financial outcomes
- Availability of any particular financial product
Financial outcomes may depend on market conditions, product terms, issuer or provider performance, lender policies, insurer decisions, customer circumstances and other factors beyond our control.
5. FINANCIAL PRODUCTS INVOLVE RISK
Financial products and investments may involve different levels and types of risk.
Depending on the product, these may include:
Market Risk • Credit Risk • Business Risk • Liquidity Risk • Valuation Risk • Interest Rate Risk • Regulatory Risk • Capital-Loss Risk
Users should carefully understand the applicable product and its risks before proceeding.
Important
Past performance, where applicable, does not guarantee future results.
6. INVESTMENT-RELATED INFORMATION
Information concerning mutual funds, unlisted shares, bonds, debentures or other investment products is provided for general informational, educational or consulting purposes, subject to the applicable regulatory framework.
Users should carefully review all applicable:
- Scheme documents
- Offer documents
- Information memoranda
- Risk disclosures
- Terms and conditions
- Issuer information
- Regulatory disclosures
before making an investment decision.
No investment decision should be based solely on information appearing on PaisaWalaGuru.in.
Where appropriate, users should consult a suitably qualified and authorised professional.
7. UNLISTED SHARES
Unlisted securities can involve additional risks and complexities compared with listed securities.
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 the future value, liquidity, listing status, appreciation or profitability of any unlisted security.
Users must independently evaluate the relevant company, security, transaction terms and associated risks before proceeding.
8. INSURANCE SERVICES
Insurance-related information and assistance are subject to applicable insurer terms, policy conditions, eligibility requirements and regulatory requirements.
Where applicable, insurance products may be facilitated through authorised insurers, intermediaries or third-party platforms, including Policybazaar or other authorised service providers.
PaisaWalaGuru.in does not independently guarantee:
- Policy issuance
- Premium amount
- Coverage
- Claim approval
- Claim settlement
- Renewal
- Acceptance of an insurance proposal
The applicable insurer’s policy wording, terms, exclusions and conditions will govern the insurance contract.
9. LOAN & CREDIT SERVICES
Loan and credit-related assistance may include information about applicable financing options and connections with lenders or financial institutions.
Loan approval is subject entirely to the respective lender’s:
- Eligibility criteria
- Credit assessment
- Income assessment
- Documentation requirements
- Internal policies
- Interest rates
- Fees and charges
- Risk assessment
- Final approval process
PaisaWalaGuru.in does not guarantee loan approval, sanction amount, interest rate, tenure or disbursement.
10. FIXED DEPOSITS, BONDS & DEBENTURES
Fixed deposits, bonds and debentures are subject to the terms of the respective institution, issuer or product.
Users should independently review:
- Interest / coupon rate
- Tenure
- Maturity
- Premature withdrawal conditions
- Creditworthiness
- Security
- Liquidity
- Tax implications
- Applicable protections
- Terms and conditions
A stated or advertised interest rate should not be interpreted as a guarantee of overall financial suitability or outcome.
11. THIRD-PARTY PROVIDERS
PaisaWalaGuru.in may provide information, links, referrals or connections to third-party providers, platforms, insurers, lenders, financial institutions, intermediaries or other service providers.
Third-party services are governed by the terms and policies of the respective provider.
We are not responsible for:
- Third-party website availability
- Third-party service quality
- Third-party decisions
- Changes to third-party products
- Third-party fees
- Third-party policies
- Third-party data practices
- Third-party approval or rejection decisions
Users should carefully review the applicable third-party terms before proceeding.
12. USER INFORMATION
When submitting an enquiry or requesting a consultation, users agree to provide information that is accurate and not misleading to the best of their knowledge.
Users are responsible for ensuring that information submitted through the website is accurate and complete where necessary.
We may contact users using the information provided for purposes related to their enquiry, requested service or applicable communication.
13. PROHIBITED USE
Users must not use PaisaWalaGuru.in for unlawful, fraudulent or abusive activities.
You must not:
- Submit false or misleading information
- Impersonate another person
- Attempt unauthorised access to the website
- Introduce malicious code or harmful software
- Interfere with website operations
- Scrape or reproduce website content for unauthorised commercial purposes
- Use the platform to facilitate fraud
- Violate applicable laws or regulations
- Misuse enquiry or communication facilities
We reserve the right to restrict or terminate access where misuse is suspected or identified.
14. WEBSITE CONTENT
We make reasonable efforts to provide useful and accurate information.
However, financial products, regulations, market conditions, rates, fees, eligibility requirements and service availability may change over time.
Therefore, we do not guarantee that all website content will always be:
- Complete
- Current
- Error-free
- Applicable to every user
- Suitable for every financial situation
Users should verify important information from the relevant official provider, issuer, insurer, lender, regulatory authority or authorised professional before making a decision.
15. INTELLECTUAL PROPERTY
Unless otherwise stated, the content appearing on PaisaWalaGuru.in, including:
- Text
- Logos
- Graphics
- Designs
- Images
- Page layouts
- Branding
- Website materials
may be owned by or licensed to LV Biz Law Advisory Pvt. Ltd.
Such content may not be copied, reproduced, modified, distributed, republished or commercially exploited without prior written permission, except where permitted under applicable law.
16. EXTERNAL LINKS
The website may contain links to third-party websites.
These links may be provided for convenience, information or service access.
PaisaWalaGuru.in does not control and is not responsible for the content, availability, security, privacy practices or terms of third-party websites.
Users access external websites at their own discretion and risk.
17. FEES & CHARGES
Certain services, consultations or third-party products may involve fees, commissions, premiums, processing charges or other costs.
Where applicable, relevant charges should be communicated or made available before the customer proceeds, subject to the nature of the service and applicable requirements.
Third-party providers may separately charge fees according to their own terms.
Users should carefully review applicable charges before entering into a transaction.
18. LIMITATION OF LIABILITY
To the extent permitted by applicable law, PaisaWalaGuru.in and LV Biz Law Advisory Pvt. Ltd. shall not be responsible for losses arising from:
- Market movements
- Investment performance
- Capital loss
- Loan rejection
- Insurance rejection
- Claim rejection
- Third-party actions
- Third-party service failures
- Incorrect information supplied by a user
- Changes in laws or regulations
- Technical interruptions
- Website downtime
- Events beyond reasonable control
Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.
19. NO PROFESSIONAL OR REGULATED RELATIONSHIP AUTOMATICALLY CREATED
Accessing the PaisaWalaGuru.in website or submitting an enquiry does not automatically create an investment advisory, insurance, lending, legal, tax, fiduciary or other regulated professional relationship.
Where a regulated service requires a specific registration, licence, agreement or authorised intermediary, such requirements will apply separately.
Users should rely on appropriately qualified and authorised professionals where the nature of the matter requires specialised professional advice.
20. PRIVACY
Our collection and use of personal information is governed by our Privacy Policy.
By using the website, you acknowledge that you have had an opportunity to review the applicable Privacy Policy.
21. CHANGES TO THESE TERMS
We may update these Terms & Conditions from time to time.
Changes may be made due to:
- Changes in our services
- Website updates
- Business requirements
- Changes in technology
- Changes in applicable laws or regulations
Updated Terms will be published on this page with a revised effective date.
Continued use of the website after an update may constitute acceptance of the revised Terms, subject to applicable law.
22. WEBSITE AVAILABILITY
We aim to maintain reasonable availability of the website.
However, we do not guarantee uninterrupted or error-free access.
The website may occasionally become unavailable due to:
- Maintenance
- Technical problems
- Hosting issues
- Network failures
- Security incidents
- Updates
- Events beyond our reasonable control
23. GOVERNING LAW
These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of India.
Subject to applicable law, disputes relating to the website or these Terms shall be subject to the jurisdiction of the appropriate courts having jurisdiction over the matter.
24. SEVERABILITY
If any provision of these Terms & Conditions is found to be invalid, unlawful or unenforceable, the remaining provisions shall continue to remain in effect to the extent permitted by applicable law.
25. ENTIRE AGREEMENT
These Terms & Conditions, together with the applicable Privacy Policy, Disclaimer and other policies published on the website, constitute the general terms governing your use of PaisaWalaGuru.in, subject to any specific agreement or terms applicable to a particular service.
26. CONTACT US
If you have questions regarding these Terms & Conditions, 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 Terms & Conditions-related enquiries, please mention:
“Terms & Conditions Enquiry”
IMPORTANT FINANCIAL NOTICE
Financial products and investments involve risks.
Before making any financial decision, users should:
Understand the product.
Read the applicable documents.
Consider the risks.
Review the costs and conditions.
Evaluate their own financial circumstances.
Seek qualified and authorised professional advice where appropriate.
PaisaWalaGuru.in
Smart Guidance. Informed Decisions. Better Financial Futures.
A Financial Guidance & Consulting Platform by
LV Biz Law Advisory Pvt. Ltd.
© 2026 LV Biz Law Advisory Pvt. Ltd. All Rights Reserved.