1. Acceptance of Terms

By accessing and using the Sanchoy website and services, you agree to comply with and be bound by these Terms & Conditions. If you do not agree with any part of these terms, please discontinue use of our website and services.

2. Services Provided

Sanchoy provides financial planning and advisory services including SIP planning, mutual fund guidance, life insurance advisory, health insurance advisory, retirement planning, tax saving guidance, child education planning, wealth creation planning, and financial gap analysis.

3. No Guarantee of Returns

All investments are subject to market risks. Sanchoy does not guarantee any returns, profits, capital protection, or achievement of financial goals.

4. Investment Risk Disclosure

Mutual funds, SIPs, insurance-linked products and other financial instruments involve varying levels of risk. Users should carefully read all scheme-related documents before investing.

5. User Responsibilities

• Provide accurate and complete information.
• Review recommendations before investing.
• Understand associated risks.
• Make independent financial decisions.

6. Insurance Services

Insurance products are governed by the respective insurance company's terms and conditions. Policy issuance, underwriting, claim settlement and servicing remain subject to the insurer's approval.

7. Third-Party Services

Our website may contain links to third-party websites, financial institutions, mutual fund houses, insurers, and service providers. Sanchoy is not responsible for the content or services provided by third parties.

8. Intellectual Property

All content, graphics, logos, text, calculators, designs, and materials available on this website are the property of Sanchoy and may not be copied or reproduced without written permission.

9. Privacy Policy

Information collected through our website is handled in accordance with our Privacy Policy. By using our services, you consent to the collection and processing of your data.

10. Limitation of Liability

Sanchoy shall not be liable for any direct, indirect, incidental, special, or consequential losses arising from the use of our services, website, recommendations, or investment decisions.

11. Accuracy of Information

While we strive to keep information accurate and updated, we do not guarantee the completeness, reliability, or accuracy of all content available on the website.

12. Regulatory Compliance

All services are subject to applicable laws and regulations of India, including guidelines issued by SEBI, IRDAI, AMFI, and other regulatory authorities.

13. Website Availability

We do not guarantee uninterrupted access to our website. Services may be temporarily unavailable due to maintenance, upgrades, or technical issues.

14. Termination

Sanchoy reserves the right to suspend or terminate access to its services if a user violates these Terms & Conditions.

15. Governing Law

These Terms & Conditions shall be governed by the laws of India. Any disputes shall be subject to the jurisdiction of the courts of Kolkata, West Bengal.

16. Changes to Terms

Sanchoy reserves the right to update these Terms & Conditions at any time without prior notice.

17. Contact Information

Sanchoy
Website: www.sanchoy.in
Email: hello.sanchoy@gmail.com
Phone: +91 7980114993