Welcome to Proficient Wealth. By accessing or using this website, you agree to comply with and be bound by the following Terms of Service. Please read these terms carefully before using our website or services.

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

Website Usage

The content provided on this website is intended for general informational purposes only. Users agree to use the website lawfully and in a manner that does not harm, disrupt, or impair the functionality, security, or accessibility of the website.

You agree not to:

• Use the website for unlawful or fraudulent purposes
• Attempt unauthorized access to website systems or data
• Distribute harmful software, malware, or malicious content
• Copy, reproduce, or misuse website content without permission

Services & Information

Proficient Wealth provides information related to financial products and services including, but not limited to:

• Mutual Funds
• Specialized Investment Funds (SIF)
• Portfolio Management Services (PMS)
• Alternate Investment Funds (AIF)
• Gift City Products 
• Corporate Fixed Deposits
• Capital Gain Bonds

The information available on this website should not be interpreted as financial, legal, tax, or investment advice.

User Responsibility

Users are solely responsible for evaluating the suitability of any financial product or service based on their financial condition, investment objectives, and risk profile.

Any decisions taken based on the information available on this website shall be at the user’s own discretion and responsibility.

Intellectual Property

All content available on this website, including text, graphics, logos, images, design elements, and branding, is the property of Proficient Wealth unless otherwise stated.

Unauthorized reproduction, distribution, modification, or commercial use of website content is strictly prohibited without prior written consent.

Third-Party Links

This website may contain links to third-party websites or external resources for user convenience. Proficient Wealth does not control or endorse the content, services, or practices of such external websites and shall not be responsible for them.

Limitation of Liability

Proficient Wealth shall not be held liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Use or inability to use the website
• Reliance on website content or information
• Technical interruptions or website unavailability
• Errors, omissions, or inaccuracies in content

Users access and use this website at their own risk.

Privacy

Use of this website is also governed by our Privacy Policy. By using this website, you consent to the collection and use of information as outlined in the Privacy Policy.

Changes to Terms

Proficient Wealth reserves the right to update, modify, or change these Terms of Service at any time without prior notice. Continued use of the website after such updates constitutes acceptance of the revised terms.

Governing Law

These Terms of Service shall be governed and interpreted in accordance with the laws applicable in India. Any disputes arising from the use of this website shall be subject to the jurisdiction of the appropriate courts.