Terms & Conditions

Welcome to Sabbal Wealth Advisory. By accessing or using our website and services, you agree to be bound by these Terms & Conditions. Please read them carefully.

1. Introduction

Welcome to Sabbal Wealth Advisory ("Sabbal Wealth", "we", "our", or "us"). Sabbal Wealth Advisory is a financial services platform that facilitates access to insurance, loan, and investment-related products and services through partner institutions and qualified financial professionals. We act as an intermediary and facilitator between clients and relevant insurers, banks, NBFCs, asset management companies, and other financial service providers.

The ultimate contract of insurance, loan agreement, or investment transaction is entered into directly between you and the respective financial institution or product provider. Sabbal Wealth Advisory is not a party to such contracts unless expressly stated otherwise.

By accessing or using our website and services, you agree to be bound by these Terms & Conditions.

2. Eligibility

By using our services, you confirm that:

• You are at least 18 years of age.
• You are legally capable of entering into binding contracts.
• The information and documents provided by you are accurate, complete, and current.
• You will comply with all applicable laws and regulations.
• You will not impersonate another individual or provide false or misleading information.

3. Use of Services

You agree not to:

• Use our platform for any unlawful purpose.
• Attempt unauthorized access to our systems or data.
• Upload malicious software, viruses, or harmful code.
• Misrepresent your identity, income, financial status, or eligibility.
• Interfere with the operation or security of the platform.

We reserve the right to suspend or terminate access for violations of these Terms.

4. Insurance Services Disclaimer

Insurance products displayed or facilitated through our platform are offered by third-party insurance companies.

• Insurance is the subject matter of solicitation.
• Policy issuance is subject to underwriting and approval by the respective insurer.
• Premiums, benefits, exclusions, and policy terms are determined solely by the insurer.
• Sabbal Wealth Advisory does not underwrite insurance products.
• Claim decisions, settlements, and rejections are solely at the discretion of the insurance company.
• We do not guarantee policy issuance or claim approval.

Users should carefully review policy wordings, benefit illustrations, exclusions, and other policy documents before purchase.

5. Investment Services Disclaimer

Investments in mutual funds, securities, and other financial instruments are subject to market risks.

• Past performance is not indicative of future results.
• Returns displayed in calculators, illustrations, projections, or examples are indicative only and are not guaranteed.
• Sabbal Wealth Advisory does not guarantee profits, returns, capital appreciation, or protection against losses.
• Investment decisions should be made after carefully reviewing all relevant documents, including the Scheme Information Document (SID), Key Information Memorandum (KIM), and other applicable disclosures.
• Any investment-related guidance provided through our platform is based on information disclosed by you and may be provided through qualified financial professionals in accordance with applicable regulations.

6. Loan Facilitation Disclaimer

Sabbal Wealth Advisory assists users in connecting with banks, NBFCs, and other lending institutions.

• Loan approvals are solely at the discretion of the lender.
• We do not guarantee loan approval.
• Interest rates, repayment terms, eligibility criteria, and processing fees are determined by the lender.
• Loan offers may be modified or withdrawn by lenders at any time.
• Sabbal Wealth Advisory is not responsible for lender decisions regarding approvals, rejections, disbursements, or collections.

7. User Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account information.
• Providing accurate financial and personal information.
• Reviewing all documents before accepting any product or service.
• Verifying information provided by third-party institutions.

Any losses resulting from inaccurate information supplied by you shall be your responsibility.

8. Third-Party Services

Our platform may contain links to or integrations with third-party websites, applications, and financial institutions.

We do not control or endorse the content, products, services, privacy practices, or terms of such third parties and are not responsible for their actions or omissions.

Your dealings with third-party providers are subject to their respective terms and policies.

9. Intellectual Property

All website content, including but not limited to text, graphics, logos, icons, images, software, designs, and trademarks, is owned by or licensed to Sabbal Wealth Advisory and is protected under applicable intellectual property laws.

You may not reproduce, distribute, modify, publish, or commercially exploit any content without prior written permission.

10. Limitation of Liability

To the fullest extent permitted by law:

• Sabbal Wealth Advisory shall not be liable for any indirect, incidental, consequential, punitive, or special damages.
• We are not responsible for losses arising from investment performance, insurance claim decisions, lender actions, market fluctuations, system interruptions, or third-party service failures.
• Our total aggregate liability shall not exceed the amount of fees, if any, paid directly by you to Sabbal Wealth Advisory during the preceding three months.

11. Indemnification

You agree to indemnify and hold harmless Sabbal Wealth Advisory, its directors, employees, consultants, partners, and affiliates from any claims, liabilities, damages, costs, or expenses arising from:

• Your violation of these Terms.
• Your misuse of the platform.
• False or inaccurate information provided by you.
• Your violation of applicable laws or third-party rights.

12. Privacy

Your use of our services is also governed by our Privacy Policy. By using our platform, you consent to the collection, processing, and use of your information as described therein.

13. Modification of Services

We reserve the right to modify, suspend, discontinue, or update any part of our services, products, content, or features at any time without prior notice.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India.

Any disputes arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts located in Mumbai, Maharashtra.

We encourage users to first utilize our grievance redressal mechanism before initiating legal proceedings.

15. Grievance Redressal

For complaints, concerns, or grievances, please contact:

We will make reasonable efforts to acknowledge and address grievances within applicable timelines.

16. Changes to These Terms

We reserve the right to update these Terms & Conditions at any time. Any changes will become effective immediately upon publication on the website. Continued use of our services after such updates constitutes acceptance of the revised Terms.

17. Contact Information