TERMS AND CONDITIONS

TheGuidedFinance (theguidedfinance.com)

1. Introduction & Definitions

Welcome to TheGuidedFinance. These Terms and Conditions govern your use of the website located at https://theguidedfinance.com/ (the “Website”), owned and operated by Shubham Negi (“TheGuidedFinance”, “we”, “us”, “our”).

By accessing and using this Website, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. If you do not agree, please discontinue use of the Website immediately.

The following terminology applies throughout these Terms and Conditions, Privacy Policy, Disclaimer, and all related agreements:

Any use of the above terminology, or other words, in the singular, plural, capitalised, or gender-neutral form (he/she/they), shall be taken as interchangeable and referring to the same.

2. Governing Law & Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of India, including but not limited to the Information Technology Act, 2000, the Consumer Protection Act, 2019, and the Digital Personal Data Protection Act, 2023.

Any disputes arising in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the competent courts of India. If you are accessing this Website from another jurisdiction, you do so at your own initiative and are responsible for compliance with your local laws.

3. Not Financial Advice — Important Disclaimer

THE CONTENT ON THIS WEBSITE IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. IT DOES NOT CONSTITUTE PROFESSIONAL FINANCIAL ADVICE, INVESTMENT ADVICE, LEGAL COUNSEL, OR TAX ADVICE.

TheGuidedFinance is not a registered investment adviser, research analyst, or financial planner. Nothing on this Website should be construed as a recommendation to buy, sell, or hold any security, financial product, or asset.

Investing involves significant risk, including the potential loss of principal. Past performance is not indicative of future results. You are solely responsible for any financial decisions you make based on information found on this Website. Always consult a qualified and licensed financial professional before making any investment decision.

4. Intellectual Property & License

4.1 Ownership

Unless otherwise stated, TheGuidedFinance and/or its licensors own all intellectual property rights in the content, design, graphics, logos, and material published on this Website. All rights are reserved.

4.2 Permitted Use

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and view the content on this Website solely for your own personal, non-commercial purposes, subject to the restrictions in Section 4.3.

4.3 Restrictions

You must not:

• Republish, reproduce, duplicate, or copy material from this Website without express written permission.
• Sell, rent, sub-licence, or commercially exploit any content from this Website.
• Redistribute or use our content in any manner that competes with our Website.
• Use our brand name, logo, or trademarks without prior written approval.
• Scrape, crawl, or extract data from this Website using automated tools.

5. User Comments & Submissions

Certain areas of this Website permit users to post comments and share views. The following rules apply:

• Comments reflect the views of the individual poster, not of TheGuidedFinance.
• TheGuidedFinance does not pre-screen comments but reserves the right to remove any comment deemed inappropriate, offensive, defamatory, or in breach of these Terms.
• You warrant that your comments do not infringe any third-party intellectual property rights, are not defamatory or illegal, and are not used to solicit or promote commercial activities.
• By submitting a comment, you grant TheGuidedFinance a non-exclusive, royalty-free, perpetual licence to use, reproduce, and display the comment in any format or medium.

TheGuidedFinance shall not be liable for any loss or damage caused by reliance on comments posted by third parties.

6. Cookies

This Website uses cookies. By using our Website and accepting our cookie consent banner, you agree to our use of cookies in accordance with our Privacy Policy.

Non-essential cookies (analytics, advertising) are only placed on your device after you provide explicit consent. You may withdraw your consent at any time via the cookie settings on the Website. For full details, see our Privacy Policy.

7. Third-Party Links & Content

This Website may contain links to third-party websites. These links are provided for your convenience only. TheGuidedFinance does not endorse, control, or take responsibility for the content, privacy policies, or practices of any third-party websites.

Your interactions with any third-party website are solely between you and that website. We encourage you to read the terms and privacy policies of any external website you visit.

8. Affiliate Links & Advertising

Some links on this Website may be affiliate links. We may receive a commission if you make a purchase through such links, at no additional cost to you. Affiliate links are clearly disclosed on each relevant page in accordance with the FTC’s Endorsement Guides (USA) and applicable disclosure requirements in other jurisdictions.

We also display advertising through Google AdSense. Advertising does not influence our editorial content. We are not responsible for the content of advertisements displayed by third parties.

9. Online Store

TheGuidedFinance operates an online store via Instamojo (https://theguidedfinance.myinstamojo.com/). The following terms apply to purchases:

• All prices are as displayed at the time of purchase.
• Purchases are subject to our Refund Policy available at https://theguidedfinance.com/refund-policy/.
• By making a purchase, you confirm you are at least 18 years of age or have parental/guardian consent.
• Payment is processed securely through Instamojo. We do not store your payment card details.

In accordance with the Consumer Protection (E-Commerce) Rules, 2020 (India):

• Legal Name of Seller: Shubham Negi
• Operating under brand: TheGuidedFinance
• Contact for complaints: shubhamnegi@theguidedfinance.com

10. Disclaimer of Warranties

To the maximum extent permitted by applicable law, this Website and all its content are provided on an ‘as is’ and ‘as available’ basis without warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
• Warranties that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.
• Warranties as to the accuracy, completeness, or timeliness of any information on the Website.

11. Limitation of Liability

To the fullest extent permitted by law, TheGuidedFinance and Shubham Negi shall not be liable for any:

• Direct, indirect, incidental, special, consequential, or punitive damages arising from your use of this Website.
• Financial losses resulting from reliance on any information, analysis, or content published on this Website.
• Loss of data, revenue, profits, or goodwill.

Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation, or any liability that cannot be excluded by law.

12. Hyperlinking to Our Website

The following may link to our Website without prior written approval: government agencies, search engines, news organisations, and online directory distributors, provided such links are not deceptive and do not falsely imply endorsement or sponsorship.

Other organisations wishing to link to our Website must contact us at contact@theguidedfinance.com. No use of our logo or brand name for linking is permitted without a trademark licence agreement.

13. iFrames

Without prior written permission, you may not create frames around our web pages that alter in any way the visual presentation or appearance of this Website.

14. Privacy

Your use of this Website is also governed by our Privacy Policy, available at https://theguidedfinance.com/privacy-policy/. The Privacy Policy is incorporated into these Terms and Conditions by reference.

15. Modification of Terms

We reserve the right to amend these Terms and Conditions at any time. The revised version will be posted on this page with an updated ‘Last Updated’ date. Your continued use of the Website after any changes constitutes your acceptance of the new Terms. We recommend reviewing this page periodically.

16. Termination

We reserve the right to terminate or restrict your access to the Website at our sole discretion, without notice, for conduct that we believe violates these Terms and Conditions or is harmful to other users, third parties, or the interests of the Website.

17. Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, without affecting the remaining provisions which shall continue in full force and effect.

18. Entire Agreement

These Terms and Conditions, together with our Privacy Policy, Disclaimer, and Refund Policy, constitute the entire agreement between you and TheGuidedFinance with respect to your use of this Website, and supersede all prior agreements and understandings.

19. Contact Us

For any questions regarding these Terms and Conditions, please contact us:

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