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Terms & Conditions – Nivesh Gullak

Last Updated: February 2026

Welcome to Nivesh Gullak (“we”, “our”, “us”). These Terms & Conditions apply to your use of our website niveshgullak.com, our tools, financial content, wealth-management resources, and all related services offered through the platform.

By accessing our website or using our services, you agree to these Terms & Conditions. If you do not agree, please discontinue the use of the website immediately.

1. About Nivesh Gullak

Nivesh Gullak is a financial wellness and wealth-management platform built to help users make smarter investment decisions.
Our website provides:

  • Wealth management guidance

  • SIP & long-term investment insights

  • Budgeting and financial planning

  • Tax strategies

  • Insurance guidance

  • Cash-flow support

  • Nivesh Gullak Score (financial health-check tool)

  • Educational blogs, tips & market insights

We are Business Partners of Motilal Oswal and collaborate with reputed financial institutions.
However, we are not responsible for decisions users make based on our content.

2. Acceptance of Terms

By using our website, calculators, contact forms, services, or booking consultations, you confirm that:

  • You are 18 years or older, and

  • You agree to follow all terms stated here.

If you use the website on behalf of another person or business, you confirm you are authorized to do so.

3. Nature of Information Provided

All information made available on the website—including service descriptions, financial insights, calculators, blogs, and the “Nivesh Gullak Score”—is:

  • Informational

  • Educational

  • Not a guaranteed financial outcome

We aim to simplify wealth management, but all final decisions remain your responsibility.

4. No Financial or Investment Guarantee

Although we offer clarity-driven financial guidance, none of the following are guaranteed:

  • Returns on investment

  • Market performance

  • Mutual fund performance

  • SIP growth

  • Wealth growth

  • Risk elimination

Statements such as “+15% Average Wealth Growth,” “1K+ Active Investors,” or “40.72 Cr Total Wealth Managed” are representations of past performance, not guaranteed future results.

You acknowledge that all investments carry market risks.

5. Use of Our Services

When using our platform, you agree:

  • Not to misuse or disrupt the website

  • Not to use our content for illegal or misleading purposes

  • Not to modify, copy, or republish our materials without permission

  • Not to impersonate another user, consultant, or team member

  • To provide accurate information when filling forms or booking consultations

Any unauthorized use may result in access restrictions.

6. Nivesh Gullak Score

The Nivesh Gullak Score is an analytical tool designed to help users understand their financial health.

You acknowledge that:

  • The score is an indicative assessment, not a certified financial rating

  • It should not replace professional investment advice

  • Results may vary based on user data, market performance, and investment behavior

We are not liable for decisions made based on your score.

7. Third-Party Associations

Nivesh Gullak works with or displays information from third parties such as:

  • Motilal Oswal

  • NSE

  • Insurance partners

  • External financial systems

We do not control the policies, content, pricing, or performance of these third-party platforms.
Visiting or using third-party links is at your own risk.

8. Intellectual Property

All content on this website—including text, graphics, images, UI elements, design, brand assets, score system, service descriptions, blogs, and structure—is the intellectual property of Nivesh Gullak.

You may not:

  • Copy or reproduce content

  • Republish our score calculations

  • Distribute or modify our content

  • Use our branding without written consent

Legal action may be taken for unauthorized use.

9. Consultations & Communication

When you book a consultation or contact us through WhatsApp, phone, or email:

  • You authorize us to communicate with you

  • You understand that our recommendations are based on the information you provide

  • You acknowledge that no investment is executed without your consent

All discussions are advisory in nature and do not create a guaranteed financial relationship.

10. User Testimonials

Testimonials shown on the website (e.g., by Priya Sharma, Sneha Kapoor, Anil Pareek, etc.) are based on personal experiences of real clients.

Individual results may vary depending on:

  • Income

  • Risk level

  • Investment discipline

  • Market conditions

Testimonials do not guarantee universal outcomes.

11. Limitation of Liability

Nivesh Gullak is not liable for:

  • Any financial losses

  • Incorrect financial decisions

  • Delayed returns or reduced returns

  • Market volatility

  • Inaccurate external data or feeds

  • Technical issues, bugs, or downtime

  • Misinterpretation of our content

You agree to use the website and its content at your own risk.

12. Privacy & Data Protection

Your personal information is protected under our Privacy Policy.

We:

  • Collect only necessary data

  • Do not sell or misuse personal information

  • Use encrypted, secure methods for communication

Users are responsible for safeguarding their own passwords and confidential details.

13. Changes to Service or Terms

We may update:

  • Services

  • Pricing

  • Tools

  • Terms & Conditions

  • Website content

…without prior notice.

Continued use of the website means you accept all updates.

14. Governing Law

These Terms & Conditions follow the laws of India, and all disputes will be handled under the jurisdiction of courts in Jaipur, Rajasthan.

15. Contact Information

For any queries regarding these Terms & Conditions, contact us at:

📞 (+91) 98734 19769
📩 niveshgullakindia@gmail.com
🌐 niveshgullak.com

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