Please read the following carefully.

These terms and conditions ("Terms and Conditions") control your use of this website karzmaaf.in ("Website"). In these Terms and Conditions, "Karzmaaf Financial Advisory Services" is referred to as the "Company", "us," or "we."

Please read them carefully before you use the services of this site.

• You must not use this site in an unlawful manner; you must respect the website's terms and conditions and follow the Privacy Policy.
• Under no circumstances will the Company be liable for any changes in the content provided on the website, including but not limited to errors, omissions, loss, or damage experienced in connection with the use of any content made available via our services, emails, blog, or other resources.
• You are fully responsible for charges incurred for hardware, software, or internet services. The Company is not responsible for ensuring proper functioning of your device or internet access.
• Certain sections of the site may require login credentials. The Company reserves the right to block access to any user who violates these conditions.
• While we strive to provide uninterrupted access to our services, the Company is not liable for network/server issues beyond our control.

Users must not:

• Insult, abuse, harass, stalk, threaten, or infringe upon the rights of others.
• Publish, post, or distribute defamatory, offensive, unlawful, or infringing material.
• Upload or transfer files protected by Intellectual Property laws without permission.
• Edit source code, reverse engineer, or attempt to hack the website.
• Run spam services/scripts or activities that affect infrastructure or users.
• Send unsolicited communications, advertisements, or phishing links.
• Copy, distribute, or plagiarize website content or user-submitted content.
• Use content that violates any law, regulation, or code of practice.

You expressly understand and agree that the Company shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to:

1. Inability to use the service.
2. Costs of procuring substitute goods or services.
3. Unauthorized access, alteration, or loss of data.
4. Statements or conduct of third parties on the services.
5. Any other matter relating to the services.

You agree to indemnify and hold harmless the Company, its affiliates, officers, directors, agents, and employees from any claim, demand, or expenses (including legal fees) arising from your breach of these Terms, violation of law, or infringement of third-party rights.

Refunds, if applicable, are processed within 30 working days from the date of approval. For refund-related queries, you may write to us at info@karzmaaf.in