Terms & Conditions

These Terms & Conditions govern your use of the Umang Finance website and the information, enquiries and online services made available through it.

1. About Umang Finance

Umang Finance is a partnership firm established on 17 August 2019. We provide and support financial planning-related services across the following areas:

Budget Planning
Emergency Fund Planning
Insurance Protection
Goal Planning
Investment Planning
Regular Financial Review
Tax Planning
Claim Assistance

These Terms & Conditions govern your access to and use of this website, and the information, enquiries and online services made available through it.

2. Website Use

This website and its content are made available for general informational purposes, to help visitors understand the services offered by Umang Finance. By accessing or using this website, you agree to use it only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of this website by, any other person.

3. Website Information

Information on this website is provided in good faith for general informational purposes only. While we try to keep information accurate and up to date, we make no representation or warranty of any kind, express or implied, about the completeness, accuracy, reliability or suitability of the information contained on this website.

4. Financial Information

Content on this website relating to financial planning, insurance, investments, tax planning or related topics is provided for general informational purposes only and does not constitute personalised financial, investment, insurance, tax or legal advice. Any such content should not be treated as automatic advice or a recommendation. Specific advice or recommendations would only be provided through a direct, individual engagement with Umang Finance, based on your personal circumstances.

5. Financial Outcomes

Umang Finance does not guarantee any specific financial outcome, return, saving or result from the use of this website or from any service, planning discussion or recommendation. Financial planning, investment and insurance outcomes depend on a range of factors, including market conditions, product terms and individual circumstances, many of which are beyond our control.

6. Insurance Products

Where this website refers to insurance products or categories, such as life, health or motor insurance, such references are for general informational purposes only. Any insurance product is subject to the terms, conditions, exclusions and underwriting requirements of the relevant insurer, and you are encouraged to review the applicable policy documents carefully before making any decision.

7. Investment-Related Information

Any references to investments, mutual funds or related topics on this website are for general informational purposes only. Investments are subject to market risks, and past performance is not indicative of future results. You should carefully consider your own risk appetite and, where appropriate, seek independent advice before making any investment decision.

8. Tax Planning

Information relating to tax planning provided on this website or through our services is general in nature and is not a substitute for advice from a qualified tax professional or chartered accountant. Tax laws and rates are subject to change, and individual tax outcomes depend on personal circumstances.

9. Claim Assistance

Where Umang Finance provides support or assistance in connection with an insurance or other claim, such assistance is provided on a best-efforts basis. We do not guarantee that any claim will be approved, the amount that may be payable, or the time it may take for a claim to be processed or settled, as these matters are determined by the relevant insurer or third party in accordance with their own policies and procedures.

10. Third-Party Products and Services

This website may refer generally to categories of third-party financial or insurance products and services. Umang Finance does not itself underwrite insurance policies or manage investment products, and any such products remain subject to the terms of the relevant third-party provider. Specific third-party partners are not named on this website.

11. External Links

This website may contain links to third-party websites for your convenience. We do not control, and are not responsible for, the content, accuracy or practices of any linked third-party website, and inclusion of a link does not imply endorsement.

12. Intellectual Property

Unless otherwise stated, the content on this website, including text, graphics, logos and design elements, is the property of Umang Finance or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute or otherwise use content from this website without prior written permission, except for personal, non-commercial use.

13. User Submissions

Any information, feedback or content you submit to us through this website, for example through an enquiry form, is provided voluntarily. Please do not submit sensitive financial credentials, such as passwords, OTPs or card details, through any form on this website.

14. Website Availability

We aim to keep this website available and functioning properly but do not guarantee that it will be available at all times or free from errors, interruptions or technical issues. We may suspend, restrict or modify access to the website, in whole or in part, at any time without prior notice.

15. Limitation of Liability

To the fullest extent permitted by applicable law, Umang Finance shall not be liable for any direct, indirect, incidental, consequential or other loss or damage arising out of, or in connection with, your use of, or inability to use, this website, or reliance on any information contained on it.

16. Indemnity

You agree to indemnify and hold harmless Umang Finance, its partners and representatives, from any claim, loss, liability or expense arising out of your misuse of this website or your breach of these Terms & Conditions.

17. Changes to Website and Terms

We may update this website and these Terms & Conditions from time to time without prior notice. Continued use of the website following any changes constitutes your acceptance of the updated Terms.

18. Governing Law

[GOVERNING LAW AND JURISDICTION TO BE CONFIRMED BY CLIENT/LEGAL ADVISER]

19. Contact

If you have questions about these Terms & Conditions, please contact us using the details below:

Email: [OFFICIAL CONTACT EMAIL TO BE PROVIDED]
Phone: [OFFICIAL PHONE NUMBER TO BE PROVIDED]
Address: [OFFICIAL BUSINESS ADDRESS TO BE PROVIDED]

20. Last Updated

These Terms & Conditions were last updated on: [DATE TO BE CONFIRMED]

Please also review our Privacy Policy and Disclaimer.

Last Updated: [DATE TO BE CONFIRMED]