Terms & Conditions

1. Acceptance of Terms

By accessing this website, submitting your details, using our calculators, mobile application, or availing any of our services, you acknowledge that you have read, understood, and agreed to comply with these Terms & Conditions, along with our Privacy Policy.

If you do not agree with any part of these terms, please refrain from using our services.

2. About Investroute

• Investroute Financial Services Private Limited provides financial advisory, investment facilitation, insurance distribution, loan assistance, and related wealth management services.
• We act as facilitators and advisors and do not guarantee returns on any investment products.

3. 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 under Indian law.
• All information provided by you is accurate, complete, and up to date.

4. Use of Calculators

• Our SIP, Lumpsum, SWP, Retirement, Goal Planning, EMI, and other calculators are for illustrative and informational purposes only.
• The results are estimates based on user inputs and assumed rates of return.
• Actual investment returns may vary due to market conditions, fund performance, taxes, and other factors.
• Calculator outputs should not be considered as financial, tax, or investment advice.

5. Investment & Market Risks

• Mutual funds, equities, and other market-linked investments are subject to market risks.
• Past performance is not indicative of future returns.
• Investroute does not guarantee capital protection or assured returns unless explicitly stated in a regulated product.
• We strongly recommend consulting with our financial advisors before making any investment decisions.

6. Advisory & Execution Disclaimer

• Investroute may provide recommendations based on your financial profile, risk appetite, and stated goals.
• Final investment decisions remain solely with the client.
• We are not responsible for losses arising from market fluctuations or client decisions.

7. Insurance & Loan Services

• Insurance products are offered through licensed insurance partners.
• Loan services are subject to approval by banks and NBFCs based on their internal policies.
• Investroute does not influence underwriting decisions, interest rates, or final approvals.

8. Mobile Application Usage

By using the Investroute mobile app:

• You agree not to misuse, reverse engineer, or attempt unauthorized access.
• You are responsible for maintaining the confidentiality of your login credentials.
• We are not liable for losses caused due to unauthorized access resulting from user negligence.

9. Data Accuracy & User Responsibility

You agree that:

• Information shared by you is truthful and accurate.
• You will promptly update us in case of any changes.
• Investroute is not liable for errors caused due to incorrect or incomplete information provided by users.

10. Third-Party Links & Partners

• Our website and app may contain links to third-party websites or services (mutual fund houses, insurers, banks).
• We do not control or endorse the content of third-party websites.
• Investroute is not responsible for any losses or damages arising from third-party interactions.

11. Intellectual Property

• All content on this website and app, including logos, text, graphics, calculators, and design elements, are the intellectual property of Investroute.
• Unauthorized copying, reproduction, or distribution is strictly prohibited.
• Use of our brand name or content without written permission is not allowed.

12. Limitation of Liability

To the maximum extent permitted by law:

• Investroute shall not be liable for any direct, indirect, incidental, or consequential losses.
• We are not responsible for market losses, system downtime, or technical issues beyond our control.

13. Privacy & Data Protection

• Your personal information is handled in accordance with our Privacy Policy.
• By using our services, you consent to the collection, processing, and storage of your data for service delivery, compliance, and communication purposes.

14. Communication Consent

By submitting your contact details, you consent to receive:

• Calls, emails, WhatsApp messages, or SMS related to services, updates, and offers.
• You may opt out of promotional communication at any time.

15. Changes to Terms

• Investroute reserves the right to modify these Terms & Conditions at any time without prior notice.
• Updated terms will be effective immediately upon posting on the website or app.

16. Governing Law & Jurisdiction

• These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India.
• All disputes shall be subject to the exclusive jurisdiction of courts located in Lucknow, Uttar Pradesh.

17. Contact Information

For any queries, concerns, or grievances, please contact us: