Terms & Conditions

Effective Date: January 20, 2026
Website: https://www.nayva4you.com
Owner: Pramod Yadav, Proprietor of NAYVA Wealth Solutions and associated ventures

  1. Acceptance of Terms

By accessing or using NAYVA4You.com (“we,” “our,” or “us”), you agree to be bound by these Terms & Conditions. If you do not agree, you must discontinue use of the website and services immediately.

  1. Scope of Services

Our website provides:

  • Financial calculators and digital tools.
  • Online appointment booking for advisory services.
  • Sale of software, digital products, and related services.
  • Educational and branding resources.

These Terms govern all interactions, including browsing, booking, purchasing, and account creation.

  1. User Responsibilities
  • You agree to provide accurate information when registering, booking, or purchasing.
  • You are responsible for maintaining the confidentiality of your account credentials.
  • You agree not to misuse, copy, or resell our tools, software, or content without authorization.
  1. Appointments & Cancellations
  • Booking Confirmation: Appointments are confirmed via email/SMS after payment or scheduling.
  • Rescheduling: You may reschedule up to 24 hours before the appointment, subject to availability.
  • Cancellations:
    • Cancellations made at least 24 hours before the appointment may be eligible for a refund or credit.
    • Late cancellations or “no-shows” may not be refunded.
  • Refunds: Refunds are processed within 7–10 business days, subject to payment gateway policies.
  1. Product & Software Sales
  • Digital Products: Software or tools purchased may include license restrictions. Unauthorized distribution or resale is prohibited.
  • Refund Policy:
    • Refunds are available only for defective or non-functional products, reported within 7 days of purchase.
    • Digital downloads and activated license keys are non-refundable.
  • Delivery: Products are delivered electronically via download links or license codes.
  1. Intellectual Property Rights
  • All content, calculators, software, branding tools, logos, and educational materials on NAYVA4You.com are the intellectual property of NAYVA Wealth Solutions.
  • Unauthorized reproduction, distribution, or modification is strictly prohibited.
  • Users are granted a limited, non-exclusive license to use tools and products for personal or business purposes, subject to compliance with these Terms.
  1. Limitation of Liability
  • We provide tools and services “as is” without warranties of accuracy, completeness, or fitness for a particular purpose.
  • Financial calculators and advisory tools are for informational purposes only and do not constitute professional financial advice.
  • We are not liable for:
    • Losses arising from reliance on website tools or content.
    • Technical issues, downtime, or third-party service interruptions.
    • Unauthorized access to user accounts due to weak passwords or negligence.
  • Our liability, if any, is limited to the amount paid by the user for the specific service or product.
  1. Indemnification

You agree to indemnify and hold harmless NAYVA Wealth Solutions, its owner, employees, and affiliates from any claims, damages, or expenses arising from misuse of the website, violation of these Terms, or infringement of intellectual property rights.

  1. Third-Party Services

Our website may integrate with third-party platforms (e.g., payment gateways, embedded content). We are not responsible for the practices, policies, or performance of third-party providers.

  1. Governing Law & Jurisdiction

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

  1. Amendments

We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with a revised “Effective Date.” Continued use of the website after changes constitutes acceptance.

  1. Contact Information

For questions or concerns regarding these Terms & Conditions, please contact:

NAYVA Wealth Solutions
Plot 325, K9, Flat G-2, Ground Floor
Sahapur Colony East, New Alipore
Kolkata – 700053, India
Email: nayvawealth@gmail.com

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