Terms and conditions
Last modified: September 30, 2025
Interpretation and Definitions
Interpretation:
The terms in which the initial letter is capitalized have the meanings defined under the following conditions. These definitions apply regardless of whether the words appear in singular or plural form.
Definitions:
For the purposes of these Terms and Conditions:
Affiliate means an entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for the election of directors or other managing authority.
Country refers to Maharashtra, India.
Company (referred to as either “the Company,” “We,” “Us,” or “Our” in this Agreement) refers to Prudent Wealth Partners.
Device means any device that can access the Service, such as a computer, cellphone, or digital tablet.
Service refers to the website and the services provided by Prudent Wealth Partners, including but not limited to financial planning, insurance advisory, estate planning, financial record management (FRM), and other related services.
Terms and Conditions (also referred to as “Terms”) mean these Terms and Conditions that govern your use of the Service.
Third-party Social Media Service refers to any services or content (including data, information, products, or services) provided by third parties that may be displayed or made available by the Service.
Website refers to Prudent Wealth Partners, accessible from https://prudentwealthpartners.co.in.
You refers to the individual accessing or using the Service, or the company or legal entity on behalf of which the individual is accessing or using the Service, as applicable.
Acknowledgment
These Terms and Conditions govern the use of the Service and constitute the agreement between you and Prudent Wealth Partners. By accessing or using the Service, you agree to comply with these Terms and Conditions.
Your use of and access to the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service. If you disagree with any part of these Terms, you may not access the Service.
You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.
Your access to and use of the Service is also conditioned on your acceptance of and compliance with the Company’s Privacy Policy. Please review our Privacy Policy, which describes our practices concerning the collection, use, and disclosure of your personal information.
Links to Other Websites
Our Service may contain links to third-party websites or services that are not owned or controlled by the Company.
Prudent Wealth Partners does not control, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that the Company is not responsible or liable, directly or indirectly, for any damage or loss caused by or in connection with the use of or reliance on any content, goods, or services available on or through such third-party websites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites you visit.
Termination
We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including but not limited to if you breach these Terms and Conditions.
Upon termination, your right to use the Service will cease immediately.
Limitation of Liability
Notwithstanding any damages that you might incur, the entire liability of the Company and any of its suppliers under any provision of these Terms, and your exclusive remedy for all of the foregoing, shall be limited to the amount actually paid by you through the Service or 100 USD if you haven’t purchased anything through the Service.
To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages, including but not limited to damages for loss of profits, loss of data or information, business interruption, personal injury, loss of privacy, arising out of or in any way related to the use of or inability to use the Service, third-party software, and/or third-party hardware used with the Service.
Some jurisdictions do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, so some of the above exclusions may not apply to you. In such cases, the liability will be limited to the greatest extent permitted by law.
“AS IS” and “AS AVAILABLE” Disclaimer
The Service is provided to you “AS IS” and “AS AVAILABLE” and with all faults and defects, without warranty of any kind. To the maximum extent permitted under applicable law, Prudent Wealth Partners, on its own behalf and on behalf of its Affiliates, expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
Without limiting the foregoing, the Company makes no representation or warranty of any kind that the Service will meet your requirements, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards, or be error-free.
Neither the Company nor its providers makes any representation regarding: (i) the availability of the Service, (ii) that the Service will be uninterrupted or error-free, (iii) the accuracy or reliability of any information provided via the Service, or (iv) the absence of viruses, malware, or other harmful components in the Service.
Governing Law
These Terms and Conditions will be governed by and construed in accordance with the laws of Maharashtra, India, without regard to its conflict of law principles.
Dispute Resolution
If you have any concerns or disputes regarding the Service, you agree to first attempt to resolve the dispute informally by contacting the Company.
For European Union (EU) Users:
If you are a consumer in the EU, you will benefit from any mandatory provisions of the law of the country in which you reside.
Refund and Cancellation Policy
This Refund and Cancellation Policy governs all payments made on this website through our payment gateway partner, Razorpay. By making a payment on this website, you agree to the terms outlined below.
1. Applicability
This policy applies to all payments made for products, services, consultations, subscriptions, digital content, or any other offerings available on this website, unless explicitly stated otherwise at the time of purchase.
2. Cancellation Policy
2.1 Service-Based Offerings (Consultations, Advisory, Professional Services)
- Cancellations are permitted only if requested at least 48 hours prior to the scheduled service delivery.
- Cancellation requests made within 48 hours of the scheduled service shall not be eligible for a refund.
- Once the service has been delivered or partially delivered, no cancellation will be accepted.
2.2 Digital Products / Online Courses / Downloadable Content
- Due to the nature of digital products, no cancellations are allowed once access is granted or content is delivered.
2.3 Subscriptions
- Subscription cancellations will take effect from the next billing cycle.
- Any subscription fee already paid for the current billing cycle is non-refundable.
3. Refund Policy
Refunds will be considered only under the following circumstances:
- Duplicate payment made due to a technical error.
- Payment debited but service/product not delivered.
- Cancellation request approved as per the Cancellation Policy.
3.1 Non-Refundable Scenarios
Refunds shall not be issued in the following cases:
- Change of mind after purchase.
- Dissatisfaction arising from personal expectations not matching the service scope.
- Failure to attend scheduled consultations or sessions.
- Incorrect information provided by the customer during purchase.
- Delays or failures caused by factors beyond our control.
4. Refund Processing Timeline
- Once a refund request is approved, the refund will be initiated within 5–7 business days.
- The refunded amount will be credited back to the original mode of payment used via Razorpay.
- Actual credit timelines may vary depending on the customer’s bank or payment provider.
5. RazorpayDisclaimer
Payments on this website are processed through Razorpay, a third-party payment gateway. Razorpay does not hold responsibility for refund approvals or service delivery disputes. All refund decisions are made solely by us in accordance with this policy.
6.How to Request a Refund or Cancellation
To request a cancellation or refund, please contact us with the following details:
- Registered name
- Email address used for payment
- Transaction ID / Payment ID
- Reason for cancellation or refund request
Requests can be sent to our official support email mentioned on the website.
7. Policy Updates
We reserve the right to amend or update this Refund and Cancellation Policy at any time without prior notice. Changes will be effective immediately upon posting on the website.
8. Governing Law and Jurisdiction
This Refund and Cancellation Policy shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with this policy, payments made on the website, or services rendered shall be subject to the exclusive jurisdiction of the courts located in India.
9. Limitation of Liability and Risk Disclosure
- We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to the use of this website, payment processing, or services provided.
- Our maximum liability, if any, shall be limited strictly to the amount actually paid by the customer for the specific service or product in dispute.
- Users acknowledge that professional services, consultations, and educational content are provided on a best-effort basis and do not constitute any guarantee of outcomes, results, financial gains, or regulatory approvals.
10. Force Majeure
We shall not be held responsible for delays, failures, or inability to perform obligations due to events beyond reasonable control, including but not limited to acts of God, government actions, natural disasters, internet outages, system failures, pandemics, or third-party service disruptions (including Razorpay or banking networks).
11. Contact Information
For any queries related to payments, refunds, or cancellations, please reach out to us via the contact details provided on this website.
Contact Us
If you have any questions about these Terms and Conditions, please contact us:
By visiting this page: https://prudentwealthpartners.co.in/contact