Policies & Disclaimers

1.1 Information We Collect

We may collect the following types of information:

• Personal identification information: Name, email address, phone number, and other details you voluntarily provide through our contact forms or booking forms.
• Payment information: When you make a payment through Razorpay, your payment card details and billing information are collected and processed by Razorpay. We do not store your card details on our servers.
• Survey and feedback data: Responses you provide through Formbricks surveys or feedback forms embedded on our website.
• Usage data: Information about how you use our website, including pages visited, time spent, referral sources, and interaction patterns, collected via Google Analytics and Facebook Pixel.
• Scheduling data: When you book a consultation via Calendly, your name, email, and selected time slot are collected by Calendly and shared with us.

1.2 Third-Party Services

We use the following third-party services, each governed by their own privacy policies:

• Razorpay — Payment processing. Your payment data is handled securely by Razorpay in accordance with PCI-DSS standards.
• Brevo (formerly Sendinblue) — Email marketing and transactional emails. Your email address and name may be stored on Brevo's servers for communication purposes.
• Google Analytics — Website analytics. Collects anonymized usage data to help us understand how visitors interact with our website.
• Facebook Pixel (Meta) — Advertising analytics. Tracks conversions and website interactions for advertising optimization.
• Calendly — Appointment scheduling. Collects your name, email, and scheduling preferences.
• Formbricks — Surveys and feedback collection. May collect responses and basic session data.
• GitHub Pages — Website hosting. Our website is hosted on GitHub Pages. GitHub may collect server logs including IP addresses.

1.3 Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to:

• Remember your preferences and improve your browsing experience.
• Analyze website traffic and usage patterns (Google Analytics).
• Track advertising conversions and optimize ad delivery (Facebook Pixel).

You can manage or disable cookies through your browser settings. Disabling cookies may affect the functionality of certain features on our website.

1.4 Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our website is served over HTTPS. Payment processing is handled entirely by Razorpay's PCI-DSS compliant infrastructure. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

1.5 Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Contact and communication data may be retained for up to 3 years after your last interaction with us, unless you request earlier deletion.

1.6 Your Rights Under India's DPDP Act 2023

Under the Digital Personal Data Protection Act, 2023 (DPDP Act), you have the following rights:

• Right to Access: You may request confirmation of whether we process your personal data and obtain a summary of such data.
• Right to Correction and Erasure: You may request correction of inaccurate data or erasure of data that is no longer necessary for the purpose it was collected.
• Right to Grievance Redressal: You may raise concerns about our data processing practices and expect timely resolution.
• Right to Nominate: You may nominate another individual to exercise your rights on your behalf in the event of your death or incapacity.

To exercise any of these rights, please contact us at contact@joywithwealth.com.

1.7 Contact for Privacy Concerns

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:

Email: contact@joywithwealth.com

Address: [City, State], India

2.1 Initial Assessment (₹2,000)

• Full refund: If you cancel your consultation before the scheduled session takes place, you are entitled to a full refund of ₹2,000.
• No refund: Once the consultation session has been conducted, no refund will be provided, as the service has been fully delivered.

2.2 Comprehensive Financial Plan (₹6,000)

• Refund before work begins: If you cancel before we have begun preparing your personalized financial plan, you are entitled to a full refund of ₹6,000.
• No refund after work begins: Once preparation of your financial plan has commenced (typically within 2 business days of payment), no refund will be provided, as significant effort and resources have been allocated to your case.

2.3 Refund Processing

• All eligible refunds are processed through Razorpay and will be credited back to your original payment method.
• Please allow 7–10 business days for the refund to reflect in your account, depending on your bank or card issuer.
• To request a refund, please email us at contact@joywithwealth.com with your payment receipt and reason for cancellation.

3.1 No Guarantee of Results

All financial planning, investment strategies, and wealth management approaches discussed on this website or during our consultations are subject to market risks. We do not guarantee any specific financial outcome, return on investment, or level of income. The financial markets are inherently unpredictable, and past performance is not indicative of future results.

3.2 Past Performance

Any references to past performance, historical data, or case studies on this website are provided for illustrative purposes only. Past performance does not guarantee future results. The value of investments can go down as well as up, and you may receive less than the amount you originally invested.

3.3 Not SEBI-Registered Investment Advice

Joy With Wealth is not registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser or Research Analyst. The information, strategies, and recommendations provided through our services are general in nature and should not be construed as personalized investment advice regulated under SEBI guidelines. You should consult a SEBI-registered investment adviser for specific investment decisions.

3.4 Risk Factors

Financial planning and investment involve various risks, including but not limited to:

• Market risk: The value of your investments may fluctuate due to changes in market conditions.
• Credit risk: The issuer of a security may fail to meet its financial obligations.
• Liquidity risk: You may not be able to sell your investments at the desired time or price.
• Inflation risk: The purchasing power of your returns may be eroded by inflation over time.
• Regulatory risk: Changes in laws, regulations, or tax policies may affect the value of your investments.

3.5 Forward-Looking Statements

Any forward-looking statements, projections, or estimates provided on this website or during consultations are based on current assumptions and expectations, which may change. These statements are inherently uncertain and should not be relied upon as predictions of future performance or outcomes.

3.6 Limitation of Liability

To the maximum extent permitted by applicable law, Joy With Wealth, its founder, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of our services, reliance on information provided, or any investment decisions made based on our guidance. You acknowledge that all financial decisions are made at your own risk and discretion.

4.1 Business Relationship

Joy With Wealth operates as an independent financial planning and advisory service based in India. We provide financial education, planning consultations, and investment facilitation through established platforms. By engaging with our services, you enter into a client-advisor relationship governed by the terms outlined on this page.

4.2 Nature of Advice

The guidance provided by Joy With Wealth is educational and informational in nature. Our financial planning consultations are designed to help you understand your financial situation and explore potential strategies. They do not constitute regulated investment advice under SEBI's Investment Advisers Regulations, 2013. Final investment decisions remain solely your responsibility.

4.3 Affiliate and Referral Relationships

Joy With Wealth may have affiliate or referral relationships with financial product providers, including but not limited to NJ Wealth and mutual fund distributors. We may receive commissions, referral fees, or other compensation when you invest through platforms or products we recommend. These relationships may influence the products or services we suggest, though we endeavor to recommend options we genuinely believe serve your interests.

4.4 Revenue Transparency

Our revenue comes from the following sources:

• Consultation fees: Direct payments for our financial planning services (₹2,000 initial assessment + ₹6,000 comprehensive plan).
• Distribution commissions: Commissions earned through mutual fund distribution and other financial product placement via platforms such as NJ Wealth.
• Referral income: Fees or commissions from third-party services we may refer you to.

4.5 Third-Party Content

Our website and blog may contain links to or references of third-party websites, products, or services. These are provided for informational purposes only. Joy With Wealth does not endorse, guarantee, or assume responsibility for the accuracy or reliability of any third-party content. Accessing third-party links is at your own risk.

4.6 Editorial Independence

All content published on joywithwealth.com, including blog posts, guides, and educational materials, reflects our independent views and analysis. While we maintain affiliate and referral relationships, our editorial content is not dictated by any third party. We strive to provide honest, transparent, and useful information to our readers.

5.1 Acceptance of Terms

By accessing or using the Joy With Wealth website (joywithwealth.com) and our services, you agree to be bound by these Terms of Service, our Privacy Policy, and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use our website or services.

5.2 Description of Services

Joy With Wealth provides the following services:

• Financial Planning Consultation: Personalized assessment and comprehensive financial planning through structured consultation sessions.
• Investment Facilitation: Assistance in setting up and managing investments through established platforms such as NJ Wealth.
• Educational Content: Blog posts, guides, and resources on financial topics published on our website.

The scope, deliverables, and timeline of services may vary based on your specific needs and are discussed during the initial consultation.

5.3 User Obligations

When using our services, you agree to:

• Provide accurate, current, and complete information as required for our services.
• Not misrepresent your identity, financial situation, or any material facts.
• Not use our website or services for any unlawful purpose or in violation of any applicable regulations.
• Not reproduce, distribute, or commercially exploit our content without prior written permission.
• Attend scheduled consultations on time, or reschedule with at least 24 hours' notice.

5.4 Payment Terms

• All prices are listed in Indian Rupees (INR) and are inclusive of applicable taxes unless stated otherwise.
• Payments are processed securely through Razorpay. We accept UPI, debit cards, credit cards, net banking, and other payment methods supported by Razorpay.
• Payment is required in advance before the service is rendered.
• Refunds are subject to our Refund Policy.

5.5 Intellectual Property Rights

All content on joywithwealth.com, including text, graphics, logos, images, financial plans, and software, is the intellectual property of Joy With Wealth and is protected under applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from our content without our express written consent.

5.6 Confidentiality

We treat all personal and financial information shared during our consultations as confidential. We will not disclose your information to third parties except as required by law, with your explicit consent, or as necessary to provide our services (e.g., processing payments through Razorpay). You agree to keep confidential any proprietary methods, strategies, or frameworks shared during our consultations.

5.7 Communications Consent

By providing your email address and engaging with our services, you consent to receive transactional and marketing communications from Joy With Wealth via Brevo (email marketing platform). These communications may include service updates, newsletters, educational content, and promotional offers. You may unsubscribe from marketing emails at any time using the unsubscribe link provided in each email. Transactional emails related to your active services will continue to be sent as necessary.

5.8 Limitation of Liability

To the fullest extent permitted by law, Joy With Wealth shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of our website or services. Our total liability for any claim arising from our services shall not exceed the amount you paid to us for the specific service giving rise to the claim.

5.9 Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of India. Any disputes arising from or related to these terms or our services shall be subject to the exclusive jurisdiction of the courts in [City, State], India.

5.10 Modifications to Terms

We reserve the right to update or modify these Terms of Service at any time without prior notice. Changes will be effective immediately upon posting on this page. The "Last updated" date at the top of this document reflects the most recent revision. Your continued use of our website and services after any changes constitutes your acceptance of the revised terms.