Effective date: 26 August 2026 | Last updated: 26 August 2026

1. Acceptance of Terms

These Terms & Conditions ("Terms") govern your access to and use of www.dhvanipurohit.com (the "Website"), including its content, enquiry forms, calculators, links and resources. The Website is operated by Dhvani Purohit Financial Services ("we", "us" or "our"). By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.

2. Our Role and Regulatory Status

Dhvani Hareshkumar Purohit is an AMFI-registered Mutual Fund Distributor (ARN 69770). We facilitate the distribution and servicing of mutual fund products and may facilitate access to insurance and other financial products through the relevant registered or authorised entities. We are not representing ourselves through this Website as a mutual fund, asset management company, bank, stock exchange, depository or insurer. Unless separately and validly registered for a particular regulated activity, we do not act as a SEBI-registered Investment Adviser, portfolio manager, research analyst or stockbroker. Mutual fund distributors may receive commissions from asset management companies for investments made through regular plans. Direct plans generally have a lower expense ratio because distributor commission is not included.

3. General Information; No Personalised Advice

Website content is provided for general information, investor education and product awareness. It does not constitute legal, tax, accounting or investment advice, a research report, an offer, a solicitation, or a guarantee that any product is suitable for you. Any illustration, article, calculator result or example is indicative and must not be treated as a promise or assured outcome. Before acting, you should review the applicable scheme or product documents, risk factors, costs, exclusions, terms and eligibility requirements and, where appropriate, consult an independently qualified professional. Product suitability depends on your individual circumstances, objectives, risk appetite and time horizon.

4. Investment and Product Risks

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. The value of investments may rise or fall, and past performance does not guarantee future results. Returns are not assured unless specifically stated in an authorised product document and permitted by law. Insurance products are subject to underwriting, exclusions, waiting periods, policy terms and acceptance by the insurer. Other products carry their own risks and eligibility conditions.

5. Website Enquiries and Transactions

• Submitting an enquiry does not create a client relationship, guarantee product issuance or constitute acceptance of an investment or insurance proposal.

• Any transaction or application is subject to complete documentation, KYC and other regulatory checks, availability of funds, cut-off timings, product-provider rules and final acceptance by the relevant AMC, RTA, insurer, bank, exchange, platform or other entity.

• You are responsible for providing complete, accurate and current information and for reviewing application forms and transaction details before confirmation.

• We may rely on instructions received through agreed communication channels after reasonable verification. You must promptly report any unauthorised, incorrect or suspicious instruction.

• NAV, unit allotment, premium, policy issuance, transaction status and other outcomes are determined by the relevant product provider and applicable rules, not by this Website.

6. Calculators, Tools and Illustrations

Calculators and planning tools use assumptions entered by you or built into the tool. Results are estimates for illustration only and may not include taxes, inflation, fees, expenses, exit loads, market fluctuations or changes in law. We do not warrant their accuracy, completeness or suitability for a particular purpose. You should independently verify calculations before making a decision.

7. Third-Party Websites and Services

The Website may contain links to third-party websites and login portals, including platforms operated by financial institutions or service providers. Links are provided for convenience and do not imply control or responsibility. Your use of a third-party service is governed by its own terms, privacy policy, charges and security procedures. We are not responsible for third-party availability, content, acts, omissions, delays, cyber incidents or transaction failures, except to the extent liability cannot lawfully be excluded.

8. User Responsibilities and Prohibited Use

You agree to use the Website lawfully and responsibly. You must not:

• Provide false, misleading, unauthorised or fraudulent information or impersonate another person.

• Attempt to gain unauthorised access to the Website, accounts, servers, databases or security controls.

• Introduce malware, scrape content at scale, interfere with Website operation or use automated tools in a manner that burdens or damages the Website.

• Copy, republish, modify, sell or commercially exploit Website content without prior written permission, except where permitted by law.

• Use the Website for unlawful, abusive, defamatory, infringing or fraudulent activity.

9. Intellectual Property

Unless otherwise stated, the Website design, text, graphics, logo, layout, compilation and original materials are owned by or licensed to us and are protected under applicable intellectual-property laws. Third-party trademarks, product names and content remain the property of their respective owners. You receive a limited, revocable, non-transferable right to access the Website for personal and lawful informational use.

10. Electronic Communications

When you submit an enquiry or provide contact details, you authorise us to respond through telephone, email, SMS, WhatsApp or another channel you selected, subject to applicable law and your communication preferences. Service and transaction communications may still be sent where necessary. You may opt out of promotional messages by contacting us or using an available unsubscribe mechanism.

11. Availability and Changes

We may change, suspend or discontinue any Website feature or content, or restrict access for maintenance, security, legal or operational reasons. We endeavour to keep information current but do not warrant that the Website will always be available, uninterrupted, error-free, secure or free from harmful components.

12. Disclaimer of Warranties

To the maximum extent permitted by law, the Website and its content are provided on an "as is" and "as available" basis. We disclaim implied warranties of accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement. Nothing in these Terms excludes rights or warranties that cannot lawfully be excluded.

13. Limitation of Liability

To the maximum extent permitted by law, we will not be liable for indirect, incidental, special, punitive or consequential loss; loss of profit, opportunity, data or goodwill; market loss; or loss arising from reliance on Website information, third-party services, connectivity problems, malware, unauthorised access or events beyond reasonable control. This limitation does not apply to liability that cannot be limited or excluded under applicable law.

14. Indemnity

To the extent permitted by law, you agree to indemnify and hold us harmless from claims, losses, liabilities and reasonable costs arising from your unlawful misuse of the Website, breach of these Terms, infringement of third-party rights, or submission of information or instructions without authority. This clause does not require you to indemnify us for our own fraud, wilful misconduct or liability that cannot legally be excluded.

15. Privacy

Our collection and handling of personal data is described in the Privacy Policy available on the Website. By using the Website or submitting information, you acknowledge that you have read that Policy.

16. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Subject to any mandatory consumer forum, statutory remedy or other jurisdiction that cannot lawfully be excluded, courts and tribunals of competent jurisdiction in Ahmedabad, Gujarat will have jurisdiction over disputes relating to the Website or these Terms.

17. Severability and Waiver

If any provision is held invalid or unenforceable, it will be modified or severed to the minimum extent necessary, and the remaining provisions will continue in effect. A delay or failure to enforce a provision is not a waiver of that provision or any other right.

18. Changes to These Terms

We may revise these Terms to reflect changes in the Website, services, business practices or applicable law. Revised Terms will be posted with an updated effective or last-updated date. Continued use after publication constitutes acceptance to the extent permitted by law.

19. Contact Us

Dhvani Purohit Financial Services
A-740, Sun Westbank, Near Vallabh Sadan, Riverfront, Opp. City Gold Cinema, Ashram Road, Ahmedabad, Gujarat 380009, India
Email: info@dhvanipurohit.com / dhvani@dhvanipurohit.com
Phone: +91 98243 70244
Website: www.dhvanipurohit.com