Terms of Use

1. Acceptance of Terms

By accessing and using the PlanurDream website and services, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.

2. Services Provided

PlanurDream provides the following financial services:

• Portfolio Evaluation and Management
• Wealth Management Services
• Financial Planning and Advisory
• Insurance Planning
• Investment Services (Mutual Fund Distribution)
• Tax Planning
• Estate Planning

All services are provided subject to applicable laws and regulations, including SEBI and AMFI guidelines.

3. User Obligations

As a user of our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Use our services only for lawful purposes
• Not interfere with or disrupt our website or services
• Comply with all applicable laws and regulations

4. Client-Advisor Relationship

By engaging our services, you acknowledge that:

• We act as a mutual fund distributor and financial advisor
• Our recommendations are based on information you provide
• You are responsible for making final investment decisions
• We may receive commissions from product providers
• You should review all product documents before investing

5. Fees and Charges

Fees for our services will be clearly communicated to you before engagement. These may include:

• Advisory fees for financial planning services
• Commissions from mutual fund companies (as per AMFI regulations)
• Fees for specialized services (tax planning, estate planning)

All fees are subject to applicable taxes. We reserve the right to modify our fee structure with prior notice.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of PlanurDream or its content suppliers and is protected by Indian and international copyright laws. You may not reproduce, distribute, or create derivative works without our express written permission.

7. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. We collect, use, and protect your personal information in accordance with applicable data protection laws. Please review our Privacy Policy for detailed information.

8. Investment Risks

You acknowledge and understand that:

• All investments carry risk, including potential loss of principal
• Past performance does not guarantee future results
• Market conditions can change rapidly and unpredictably
• You should invest only what you can afford to lose
• Diversification does not guarantee profits or protect against losses

9. Termination

Either party may terminate the service relationship at any time with written notice. Upon termination:

• You remain responsible for any outstanding fees
• We will provide necessary documentation for account transfers
• Confidentiality obligations continue after termination
• Your access to our online services may be suspended

10. Limitation of Liability

To the maximum extent permitted by law, PlanurDream shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or investment losses, arising from your use of our services.

11. Indemnification

You agree to indemnify and hold harmless PlanurDream, its directors, employees, and agents from any claims, damages, losses, or expenses arising from your violation of these Terms of Use or your use of our services.

12. Dispute Resolution

Any disputes arising from these Terms of Use or our services shall be resolved through:

• Good faith negotiations between the parties
• Mediation, if negotiations fail
• Arbitration in Raipur, Chhattisgarh, under Indian Arbitration laws

13. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of India. The courts of Raipur, Chhattisgarh shall have exclusive jurisdiction over any disputes.

14. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

15. Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Contact Information

For questions about these Terms of Use, please contact us: