Terms of use

Who we are

bhavyasampada.com is run by Bhavya Sampada Private Limited ("Bhavya Sampada", "we"). We are an AMFI-registered Mutual Fund Distributor (ARN 266666) and an IRDAI-licensed insurance intermediary (licence A00830505), and we arrange loans with lenders as [registration type and number]. We are a distributor and intermediary; we are not a SEBI-registered Investment Adviser or Portfolio Manager, and nothing on this site should be read as that.

Information, not advice

Articles, case studies, calculators and the free review are general information to help you understand your options. They are not personal investment, tax, insurance or legal advice, and they do not take your full circumstances into account. Decisions about your money are yours. Any product we help you with is placed only after you have read the product documents and agreed to proceed.

Risk disclosures

Figures on this site, including the examples in articles, case studies and the EMI calculator, are illustrative. They are not forecasts or promises of returns, savings or outcomes. Case studies describe what we did for a particular client with their consent; your situation will differ.

How we are paid

We do not charge a separate planning fee. We earn commission from product providers: trail commission on mutual funds, and commission from insurers and lenders. We tell you how each product pays us before you commit, and the commission rates for mutual funds are disclosed as AMFI requires.

Using the site

• You may use the site for your own, lawful purposes. Don't attempt to break, overload or scrape it, or use it to send unsolicited messages.
• Forms must contain accurate details. We may decline or stop a review if details are false.
• The client login links on this site open our transaction platform's websites, which have their own terms.

Content and trademarks

Articles, designs, the Bhavya Sampada name and logo are ours. You may share links and short quotes with attribution; please ask before reproducing an article in full. Insurer, lender and regulator names and logos belong to their owners and appear only to show whose products we distribute or the registrations we hold.

Third-party links

Links to YouTube, Instagram, Google, insurers, lenders and other sites are provided for convenience. We don't control those sites and are not responsible for their content or how they handle your data.

Liability

We work hard to keep the site accurate and available but can't promise it will be error-free or uninterrupted. To the extent the law allows, we are not liable for loss arising from reliance on general information on this site, from the site being unavailable, or from third-party sites. Nothing here limits liability that cannot be limited under Indian law, or our duties to you as a client under SEBI, AMFI and IRDAI rules.

Complaints

Write to us first: support@bhavyasampada.com or 040-35175228. We acknowledge within [2] working days and aim to resolve within [15]. If you are not satisfied: for mutual funds, you may approach the fund house, AMFI, or SEBI's SCORES portal; for insurance, the insurer's grievance cell, then IRDAI's Bima Bharosa portal or the Insurance Ombudsman; for loans, the lender's grievance officer, then the RBI Integrated Ombudsman.

Governing law

These terms are governed by the laws of India. Courts at Hyderabad, Telangana have exclusive jurisdiction. If any part of these terms is found invalid, the rest continue to apply.