IMPORTANT: Please read this disclaimer carefully before using our website or services. By accessing our website, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.
1. General Disclaimer
The information provided on this website (www.praarabdh.com) is for general informational purposes only. While we strive to keep the information accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website.
Praarabdh acts solely as a digital intermediary between customers and financial institutions. We are not a bank, NBFC, or insurance company. All financial products are offered by our partner institutions, and final approval, terms, and conditions are determined by them.
2. Role of Praarabdh
Praarabdh (STRATAXIS CONSULTANCY SERVICES PRIVATE LIMITED) operates as:
- A registered AMFI distributor for mutual fund products
- An Insurance POSP/Sub Broker for insurance products
- A Digital Lending Platform (DLP) / Loan Service Provider (LSP) for loan products
- A financial information aggregator and comparison platform
We do not directly lend money, underwrite insurance policies, or manage investment funds.
3. Mutual Funds Disclaimer
AMFI Registration: ARN-335800
Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing.
- Past performance is not indicative of future results
- NAV of mutual fund schemes can go up or down based on market conditions
- There is no guarantee of returns in mutual fund investments
- The value of investments may fluctuate and investors may lose their principal
- Investors should consult their financial advisors before making investment decisions
4. Loan Products Disclaimer
- Loan approval is at the sole discretion of the lending partner
- Interest rates, processing fees, and other charges are determined by the lender
- The rates shown on our website are indicative and may vary
- EMI calculations are estimates and actual EMI may differ
- We do not guarantee loan approval or specific terms
- Borrowers are advised to read and understand the loan agreement before signing
Digital Lending Guidelines: As per RBI guidelines on digital lending, all loan disbursal and repayment transactions are directly between the borrower and the regulated entity (RE). Praarabdh does not handle or receive any loan funds.
5. Insurance Disclaimer
- Insurance is a subject matter of solicitation
- IRDAI does not endorse or approve any particular insurance product
- Policy terms and conditions apply as per the insurance contract
- Tax benefits are subject to changes in tax laws
- Riders are optional and available at additional cost
- For complete policy details, please refer to the policy document
6. Investment Advice
CERTIFIED FINANCIAL PLANNER: Praarabdh provides financial planning and investment advice through CERTIFIED FINANCIAL PLANNER (CFP) professionals. CFP certification is awarded by the Financial Planning Standards Board India (FPSB India).
While our CFP professionals provide personalized financial planning advice, please note:
- Investment decisions should be based on your individual financial goals, risk appetite, and time horizon
- Past performance of any investment does not guarantee future results
- All investments carry inherent risks including potential loss of principal
- Tax implications may vary based on individual circumstances
7. Third-Party Information
Our website may contain information sourced from third parties including:
- Partner banks and financial institutions
- Insurance companies
- Asset Management Companies (AMCs)
- Market data providers
We do not guarantee the accuracy or completeness of third-party information and are not responsible for any errors or omissions in such content.
8. Calculator Disclaimer
The financial calculators on our website (EMI Calculator, SIP Calculator, etc.) are provided for illustrative purposes only:
- Results are estimates based on the inputs provided
- Actual values may differ from calculated values
- Calculations do not account for all fees, taxes, or market conditions
- Users should not rely solely on calculator results for financial decisions
9. Limitation of Liability
To the fullest extent permitted by law:
- We shall not be liable for any loss or damage arising from the use of our website
- We are not responsible for any financial losses from investment decisions
- We do not guarantee the performance of any financial product
- We are not liable for actions or defaults of our partner institutions
- Our maximum liability is limited to the fees paid by you for our services
10. Website Availability
We do not guarantee that our website will be available at all times or without interruption. We reserve the right to modify, suspend, or discontinue any part of the website without notice.
11. External Links
Our website may contain links to external websites. We are not responsible for the content, privacy practices, or accuracy of information on external websites. Inclusion of any link does not imply endorsement.
12. User Responsibility
Users are responsible for:
- Verifying all information before making financial decisions
- Reading and understanding all terms and conditions of financial products
- Ensuring the suitability of products for their financial goals
- Maintaining confidentiality of their login credentials
- Reporting any unauthorized access or suspicious activity
13. Regulatory Compliance
Company Registration Details
| Company Name | STRATAXIS CONSULTANCY SERVICES PRIVATE LIMITED |
| Brand Name | Praarabdh |
| CIN | U70200HR2024PTC126184 |
| AMFI ARN | 335800 |
| Registered Office | 6th Floor, Suncity Success Tower, Golf Course Extension Road, Sector 65, Gurgaon, Haryana 122102 |
14. Grievance Redressal
If you have any complaints or grievances regarding our services:
- Step 1: Contact our customer support at support@praarabdh.com
- Step 2: If not resolved within 15 days, escalate to the Grievance Officer
- Step 3: For mutual fund related complaints, approach SEBI SCORES portal
- Step 4: For insurance related complaints, approach IRDAI IGMS portal
15. Changes to Disclaimer
We reserve the right to modify this disclaimer at any time without prior notice. Changes will be effective immediately upon posting to the website. Your continued use of the website constitutes acceptance of the modified disclaimer.