Terms of Service

By accessing and using the Nakotra website and services, you accept and agree to be bound by the terms and conditions of this agreement. If you do not agree to these terms, please do not use our website or services.

These Terms of Service apply to all visitors, users, and clients who access or use our financial advisory services.

Nakotra provides financial advisory and consultation services to help individuals make informed decisions about their personal finances. Our services include:

• Financial planning and goal setting

• Money management guidance

• Investment advice and strategies

• Tax planning assistance

• General financial education and clarity

We do not sell financial products, insurance, or investment products. Our role is purely advisory and educational.

When you engage our services, you acknowledge that:

• Our advice is based on the information you provide to us

• You are responsible for the accuracy and completeness of the information you share

• Final financial decisions and actions remain your responsibility

• We act as advisors and not as agents or representatives for any financial institution

• Our relationship is professional and confidential

We maintain independence from product providers to ensure unbiased advice.

Our fee structure is transparent and discussed upfront before any engagement:

• Consultation fees are charged based on time and complexity

• No hidden fees or commissions from product sales

• Payment terms will be clearly communicated in writing

• Invoices are due within 30 days unless otherwise agreed

• We accept payment via bank transfer, UPI, or other agreed methods

All fees are exclusive of applicable taxes unless stated otherwise.

As a client, you agree to:

• Provide accurate, complete, and timely information

• Inform us of any changes in your financial situation

• Review and understand any advice or recommendations provided

• Make your own independent decisions regarding financial actions

• Comply with all applicable laws and regulations

• Pay agreed fees on time

Failure to meet these responsibilities may affect the quality and effectiveness of our services.

We maintain strict confidentiality of all client information:

• All personal and financial information shared with us is confidential

• Information will not be disclosed to third parties without your consent

• Exceptions include legal obligations or regulatory requirements

• Our team members are bound by confidentiality agreements

• We implement security measures to protect your information

You can review our Privacy Policy for detailed information about data handling.

While we strive to provide accurate and helpful advice, you acknowledge that:

• Financial markets and conditions are subject to change and uncertainty

• Past performance does not guarantee future results

• We cannot guarantee specific financial outcomes

• Our advice is based on information available at the time

• We are not liable for losses resulting from market conditions or your financial decisions

• Our liability is limited to the fees paid for the specific service in question

You should seek legal advice for specific legal matters and tax advice for complex tax situations.

All content on the Nakotra website, including text, graphics, logos, and materials provided during consultations, are protected by intellectual property rights:

• Content is owned by Nakotra or licensed to us

• You may not reproduce, distribute, or create derivative works without permission

• Personal use of advice and materials provided to you is permitted

• Commercial use of our content requires written authorization

Unauthorized use may result in legal action.

When using our website, you agree not to:

• Use the website for any unlawful purpose

• Attempt to gain unauthorized access to our systems

• Transmit viruses or malicious code

• Interfere with the proper functioning of the website

• Collect information about other users without consent

• Impersonate any person or entity

We reserve the right to terminate access for any user who violates these terms.

Either party may terminate the professional relationship:

• You may terminate at any time by providing written notice

• We may terminate if you breach these terms or fail to pay fees

• Upon termination, you remain responsible for any outstanding fees

• We will provide any work completed up to the termination date

• Confidentiality obligations survive termination

Termination does not affect any rights or obligations that arose before termination.

In the event of any dispute or disagreement:

• We encourage open communication to resolve issues amicably

• If informal resolution fails, disputes will be subject to mediation

• Mediation will be conducted in Surat, Gujarat, India

• If mediation is unsuccessful, disputes will be subject to arbitration

• The courts of Surat will have exclusive jurisdiction

Both parties agree to act in good faith to resolve disputes efficiently.

We reserve the right to modify these Terms of Service at any time:

• Changes will be posted on this page with an updated date

• Material changes will be communicated via email to active clients

• Continued use of our services after changes constitutes acceptance

• If you do not agree to modified terms, you should discontinue use

We recommend reviewing these terms periodically.

These Terms of Service are governed by the laws of India:

• Any legal proceedings will be subject to Indian law

• Jurisdiction is exclusively in Surat, Gujarat

• Both parties submit to the jurisdiction of Indian courts

These terms are written in English, which is the controlling language in any interpretation.