By accessing or using the website, mobile applications, WhatsApp chatbot, and financial advisory services provided by Health 2 Invest ("we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our services.
1. Nature of Our Services
We provide financial advisory and planning services including insurance, investment, retirement, and tax planning. Our services are informational and advisory in nature. Any financial decision you make based on our advice is your own responsibility.
- We are a fee-only / fee-based financial advisor and do not guarantee any specific investment returns.
- All investments are subject to market risks. Past performance is not indicative of future results.
- You should read all scheme-related documents carefully before investing.
2. Eligibility
You must be at least 18 years of age and legally capable of entering into a binding contract under Indian law to use our services. By using our services, you represent and warrant that you meet these requirements.
3. Your Responsibilities
- Provide accurate, current, and complete information during registration, KYC, and while using our services.
- Keep your account credentials confidential and notify us immediately of any unauthorized use.
- Use our services only for lawful purposes and in accordance with these terms.
- Not attempt to disrupt, reverse-engineer, or gain unauthorized access to our systems.
4. WhatsApp Chatbot Usage
When you interact with our WhatsApp chatbot (via Meta's Cloud API):
- Automated and AI-generated responses are provided for convenience and may not always be accurate or complete.
- Important financial decisions should be confirmed with a qualified human advisor before acting.
- You may opt out at any time by sending "STOP" or contacting us directly.
5. Fees and Payments
Applicable fees for advisory services will be communicated to you in advance. All fees are exclusive of taxes unless stated otherwise. Payments once made are non-refundable except where required by law or expressly agreed in writing.
6. Intellectual Property
All content on our website and platforms — including text, graphics, logos, calculators, and software — is the property of Health 2 Invest or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.
7. Disclaimers
Our services are provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not warrant that our services will be uninterrupted, error-free, or free of harmful components. Financial calculators and projections are estimates only and should not be treated as guaranteed outcomes.
8. Limitation of Liability
To the maximum extent permitted by law, Health 2 Invest shall not be liable for any indirect, incidental, special, or consequential damages, or for any loss of profits or investments, arising out of your use of our services or reliance on any advice provided.
9. Third-Party Links and Partners
Our services may contain links to, or integrations with, third-party websites and partners (insurance companies, mutual fund houses, payment gateways). We are not responsible for the content, policies, or practices of these third parties.
10. Termination
We may suspend or terminate your access to our services at any time, without prior notice, if you breach these terms or engage in conduct we deem harmful to us, other users, or third parties. You may stop using our services at any time.
11. Governing Law and Jurisdiction
These Terms of Service are governed by the laws of India. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts located in West Bengal, India.
12. Changes to These Terms
We may update these Terms of Service from time to time. The "Last updated" date at the top will reflect the most recent revision. Continued use of our services after changes constitutes acceptance of the revised terms.