Policies

Disclamer

Information which ever provided on this website is generic in nature and does not constitute any kind financial planning or advice.
Aum Financial Advisors, will endeavour to update the website as needed. However, information can change without notice and Aum Financial Advisors. Reserves the right to update, modify or change any content without any notice, whatsoever. Every effort has been made to ensure that the information provided is accurate, however, individuals are encouraged to do their due diligence before taking any financial advice.
Information provided on the website itself does not constitute financial planning in entirety. Financial planning is provided on our platform. Except in so far as any liability under statute cannot be excluded, Aum Financial Advisors or their employees do not accept any liability for any error or omission on this website or for any kind of resulting loss or damage suffered by the recipient or any other individual person.
Unless otherwise specified, copyright of information provided on this website is owned by Aum Financial Advisors Any alteration or modification of this proprietary information in any way, which includes the removal of this copyright notice is restricted.

Privacy Policy

1. At Aum Financial Advisors, we respect your privacy and are committed to protecting your personal information. We use the information that you provide to us for our own use to improve our products and services and the content of this site. In addition we may share this information with our Partners only if you indicate interest in products that are serviced through our Partners and their related concerns. We may use demographic and profile data for statistical analysis.
2. Protecting your personal information is important to us. We will take all reasonable technical measures to prevent loss or unintended use of your information. While we strive to protect your information, we cannot ensure or warranty the security of information you send to us and you do so at your own risk.
3. No penalties / directions have been issued by the SEBI under the SEBI Act or RBI or any other regulatory body to Aum Financial Advisors. There are no pending material litigations or legal proceedings, findings of inspections or investigations for which action has been taken or initiated by any regulatory authority against Aum Financial Advisors or the relationship manager or its Directors or employees or any Person directly or indirectly connected with Aum Financial Advisors under the SEBI Act or any other statutory body.
4. In case you chose to follow the whole or any of the parts or aspects of the Plan, you agree to do so at your own risk and after your own independent assessment. The execution of the Plan and all related obligations, implications and liabilities or benefits, if any, shall be wholly your responsibility and Aum Financial Advisors shall not, in any way be held responsible or liable for any of the outcomes of such execution or related decisions made by you. (We further request you to read and understand the offer documents / abridged offer documents of any investments you chose to make before such decision is taken.)
5. We agree to keep confidentiality of all information received from you and not to make unwarranted copies of the same, and to use the Confidential Information only for the purpose for which it has been disclosed to us. However, Confidential Information shall not include any intellectual property materials (including, but not limited to, ideas, concepts, know­how, techniques and methodologies) developed by Aum Financial Advisors based on its industry knowledge experience and expertise.
6. Confidential Information would also not include information previously known to us; or, independently developed by us in the course of execution of this or any other service; or acquired by us from a third party which is not, to our knowledge, under an obligation to you not to disclose such information; or which is or becomes publicly available through no breach by us of this Letter. In the event we receive a validly issued administrative or judicial process requiring disclosure of Confidential Information, we shall provide prompt notice to you of such receipt we shall thereafter be entitled to disclose any Confidential Information in order to comply with such administrative or judicial process.
7. Further we shall not be responsible for any consequential, indirect, punitive or incidental damages (including loss of profits, data, business or goodwill) in connection with the performance of services whether such damages are based on breach contract, strict liability, tort, breach of warranty etc or otherwise) even if you had contemplated and communicated to us the likelihood of such damages.
8. You agree to comply with all applicable laws and statutory requirements and agree to be bound by and to diligently follow and ensure compliance with the applicable laws.
9. You agree to indemnify and hold harmless Aum Financial Advisors and any of its affiliates and their respective directors, officers, employees, agents and controlling persons from and against any and all losses, claims, damages and liabilities, whatsoever and howsoever caused, incurred, sustained or arising from, or in connection with, the provision of services to you by Aum Financial Advisors.
10. The aggregate liability in respect of performance of service or otherwise under this agreement shall be limited to the fees paid to us (excluding out of pocket expenses and taxes if any paid) for the services rendered by us regardless of whether the liability is based on breach of contract, strict liability, tort, breach of warranty etc or otherwise.
11. All and any dispute arising out of or in connection with this contract, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by arbitration in Hyderabad in accordance with the provisions of the Arbitration and Conciliation Act, 1996 for the time being in force at the commencement of the arbitration, which rules are deemed to be incorporated by reference in this clause.
12. The Courts in Hyderabad alone shall have jurisdiction over all disputes arising out of or in respect of this arrangement. You consent to the jurisdiction and venue of the courts located in Hyderabad, India.
13. In the event any of the terms or provisions of these Terms and Conditions shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms and Conditions shall be subject to any other agreements you have entered into with Aum Financial Advisors.
14. Fee for the Elite services is Rs.1000 (One thousand only) + Applicable Service Tax.
15. The Plan shall be provided to the client within 20 business days of obtaining all the required information through the data entry process and provided the client is KYC compliant. The data entry process also involves mandatorily activating a Goal Enabler account. Bank account details like account numbers, IFSC and MICR code will be required in order to open the goal enabler account.
16. The client can provide data to generate plan within 45 days from the date of subscription and must avail the plan within 90 days from the date of subscription.
17. Clients have the ability to reschedule their calls only up to a maximum of 2 times within 90 days during their financial journey.
18. If the client has not taken a plan within 90 days even after follow up by Aum Financial Advisors team. Then the client will have to reach out to the Aum Financial Advisors team for scheduling a call wither for data entry or plan presentation.
19. Data provided by the client will be reviewed by the customer service analyst and will be frozen before scheduling plan with the financial planner. No changes will be made post information is frozen. If any changes have to be made then the same will be done at the sole discretion of Aum Financial Advisors.

Terms & Conditions

Aum Financial Advisors and its subsidiaries (“Aum Financial Advisors”) provide the materials contained at our site(s) on the World Wide Web (the “Site”) as a service to our customers and visitors. Aum Financial Advisors requires that all visitors to the Site adhere to the following Terms and Conditions. By accessing the Site and any of its pages, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification. Aum Financial Advisors may revise these Terms and Conditions at any time by updating this posting, which revisions will be binding upon all visitors to the Site. You should therefore visit this posting to review these Terms and Conditions from time to time as you visit the Site. For purposes of these Terms and Conditions references to Aum Financial Advisors include its affiliates, directors and employees.

Copyright and Trademark Information

The information contained at the Site, including but not limited to text and images herein (other than certain images licensed from third parties) and their arrangement, are copyright ©2017 by Aum Financial Advisors. All rights reserved.

Aum Financial Advisors and its logo are trademarks of Aum Financial Advisors. All other trademarks are property of Aum Financial Advisors unless otherwise designated or clearly implied herein as belonging to third parties. Nothing contained at the Site shall be construed as granting by implication, estoppel, or otherwise any license or right under any patent, trademark, copyright (except as expressly stated above) or proprietary rights of Aum Financial Advisors or of any third party.
You are authorized by Aum Financial Advisors to copy, transmit or display any information registered or owned by Aum Financial Advisors on any page of the Site solely for your personal, non-commercial use, provided that any such copy, transmission or display includes any copyright, trademark or service mark attribution as it appears on such page. The information and materials contained at the Site may not otherwise be copied, transmitted, displayed, distributed, downloaded, licensed, modified, published, posted, reproduced, used, sold, transmitted, used to create a derivative work or otherwise used for commercial or public purposes without Aum Financial Advisors’s prior written consent.
The Site, including this page, may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Certain images and information at the Site are the copyright or trademark of third parties and any use is subject to the terms and conditions of such third parties.

Limitation of Liabilities and Warranties

INFORMATION ON THE SITE IS PROVIDED”AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

The information contained at the Site may include technical inaccuracies or typographical errors. Aum Financial Advisors from time to time amends, changes, adds, deletes, updates or alters the information contained at this Site, including information regarding the products and services described at the Site, without notice. Aum Financial Advisors assumes no liability for any errors or omissions in the information contained at the Site and expressly disclaims any responsibility to update the information contained at the Site.

IN NO EVENT SHALL Aum Financial Advisors BE LIABLE FOR ANY PUNITIVE, SPECIAL, DIRECT, INDIRECT, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, DATA, OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT AND TORT ACTIONS (INCLUDING LIBEL), ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING OR DISPLAY OF, OR THE INTERACTION OR ANY OTHER FORM OF COMMUNICATION WITH, THE SITE AND THE INFORMATION CONTAINED AT THE SITE (INCLUDING VIA COMPUTER VIRUSES OR ANY OTHER FORM OF SOFTWARE).

Marketing

Regardless of whether you have chosen to opt out of certain marketing offers from Aum Financial Advisors, by using Aum Financial Advisors Online you agree that we may market our services and the services of other companies on the Site through the use of banner ads,”hyper-links,” and other similar marketing devices. Products offered will be at the sole discretion of Aum Financial Advisors, and may be provided by companies not affiliated with Aum Financial Advisors. Non-affiliated companies will be solely responsible and liable for the provision of or failure to provide stated services, benefits, or products. Aum Financial Advisors does not legally endorse or guarantee products or services provided by non-affiliated companies and such products or services are neither FDIC insured or bank guaranteed.

Feedback

Any comments or materials sent to Aum Financial Advisors, including feedback data, such as questions, comments, suggestions or the like regarding the content of any such documents (collectively “Feedback”), shall be deemed to be the property of Aum Financial Advisors. Aum Financial Advisors’s use of the Feedback will be in compliance with the Aum Financial Advisors Privacy Notice, which is set forth on the Site, and applicable laws. Aum Financial Advisors shall have no additional obligations with respect to such Feedback and shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the Feedback to others without limitation. Further, Aum Financial Advisors shall be free to use any ideas, concepts, know-how or techniques contained in such Feedback for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products incorporating such Feedback. Application information submitted to Aum Financial Advisors shall be treated confidentially to the extent required by applicable law or as disclosed in the application.

Violations of Terms and Conditions

Aum Financial Advisors reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including the right to block access from a particular Internet address to the Site. YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS Aum Financial Advisors FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY’S FEES, RELATED TO YOUR VIOLATION OF THESE TERMS AND CONDITIONS OR YOUR USE OF THE SERVICES AND INFORMATION PROVIDED AT THE SITE.