Policies, Disclaimers & FAQ

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 when you book a consultation or contact us.
• Financial information you choose to share: Details about your income, expenses, goals, and circumstances that you provide during a consultation or program, so that we can guide you. You share this voluntarily.
• Payment information: If you enrol in a paid program, your payment is processed by Razorpay Payment Gateway, a Govt of India approved payment service. Your card or banking details are collected and processed by them — we do not store your card details on our servers.
• Scheduling data: When you book a consultation, your name, email, and selected time slot may be collected by Calendly.com, our scheduling provider, and shared with us and Zoom.com.
• Usage data: Information about how you use our website, such as pages visited and referral sources, collected via analytics tools only after you consent (see Cookies below).

1.2 Third-Party Services

We rely on the following third-party services, each governed by its own privacy policy:

• Razorpay — Payment processing for paid programs. Your payment data is handled securely in accordance with PCI-DSS standards.
• Calendly — Appointment scheduling for your free consultation. Collects your name, email, and scheduling preferences.
• Zoom — Video conferencing for consultations and sessions. May collect your name, email, and meeting participation details.
• Brevo — Email communications. Your email address and name may be stored for the purpose of sending you updates and resources.
• Google Analytics — Website analytics (loaded only after consent). Collects anonymised usage data.
• Meta (Facebook) Pixel — Advertising analytics (loaded only after consent). Helps us measure and optimise our ads.
• GitHub Pages — Website hosting. GitHub may collect server logs, including IP addresses.

We self-host our fonts and front-end libraries, so loading our pages does not, by itself, send your data to those providers.

1.3 Cookies and Tracking Technologies

We use cookies and similar technologies only with your consent, to:

• Remember your cookie preferences.
• Analyse website traffic and usage patterns (Google Analytics) — only after you accept analytics cookies.
• Measure advertising performance (Meta Pixel) — only after you accept marketing cookies.

When you first visit, our cookie banner lets you accept or reject analytics and marketing cookies separately. No analytics or marketing scripts load until you explicitly accept. You can change or withdraw your choice at any time using the "Cookie Settings" link in our footer, or through your browser settings.

1.4 Data Security

We take reasonable measures to protect your personal information from unauthorised access, alteration, disclosure, or destruction. Our website is served over HTTPS, and payments are 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 provide our services, 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.
• Right to Withdraw Consent: Where we process your data based on your consent, you may withdraw that consent at any time — including cookie consent, which you can change or revoke at any time via the "Cookie Settings" link in our footer. Withdrawal does not affect processing already carried out.

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

1.7 Grievance Officer & Contact

If you have questions, concerns, or complaints about this Privacy Policy or how we handle your personal data, you may contact our Grievance Officer:

Grievance Officer: Col Daljeet Rupaal, Proprietor, Joy With Wealth

Email: contact@joywithwealth.com

Address: Zirakpur, Punjab, 140603, India

We aim to acknowledge grievances within 48 hours and to resolve them within the timelines prescribed under applicable law.

1.8 Children's Privacy

Our website and services are intended for individuals aged 18 and above and are not directed at children. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us and we will delete it.

1.9 Data Breach Notification

In the event of a personal data breach that is likely to affect you, we will take reasonable steps to contain it and will notify you and the relevant authorities as required under the Digital Personal Data Protection Act, 2023 and applicable rules.

2.1 Free Consultation

Your initial one-on-one consultation (the Discovery Call) is completely free. There is nothing to pay for it, and therefore nothing to refund. You are under no obligation to continue beyond it.

2.2 Paid Program (Wealth Abundance Blue Print)

If you choose to enrol in a paid workshop or program after your free consultation, the applicable fees will be communicated to you clearly before you enrol. The following applies to those fees:

• Full refund during the three-day workshop: For the paid workshop, you may request a full refund of the fees paid at any time before, during, or by the end of the three-day workshop — no questions asked.
• No refund after completion: Once the three-day workshop has been completed, or any later workshop or session has been delivered, the fee for that delivered portion is non-refundable, as time, materials, and personal proprietary guidance would already have been allocated/delivered.

2.3 Refund Processing

• Eligible refunds are credited back to your original payment method, through Razorpay where that was the method of payment.
• 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, email us at contact@joywithwealth.com with your payment details and reason for the request.

3.1 Educational and Coaching Service

Joy With Wealth provides financial education and coaching. Our consultations, workshops, and the Wealth Abundance Blue Print program are designed to help you build knowledge, habits, and a plan for your own financial life. They are general and educational in nature and are not personalised, regulated investment advice. All decisions you make are your own.

3.2 No Guarantee of Results

Any strategies, approaches, or examples discussed on this website or during our sessions are subject to risk and to your own circumstances and effort. We do not guarantee any specific financial outcome, return, level of income, or savings. The financial markets and personal results are inherently unpredictable.

3.3 Past Performance

Any references to past performance, historical data, or case studies 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 there may be odd instances where returns may be less than you invested.

3.4 Not SEBI-Registered Investment Advice

Joy With Wealth and Col Daljeet Rupaal are not registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser or Research Analyst. Col Daljeet Rupaal (legal name: Daljeet Singh Rupaal) is an NISM-certified Mutual Fund Distributor registered with AMFI (ARN-177947), and an IRDAI-licensed individual insurance agent of Axis Max Life Insurance Limited (IRDAI Registration No. 104; advertisement ref. ARN/Web/13122024). Whatever assistance we provide should not be construed as personalised investment advice regulated under SEBI guidelines. For specific investment decisions, you should consult a SEBI-registered Investment Adviser. Where we help you access mutual funds, we do so as an AMFI-registered Mutual Fund Distributor (see Disclosure), and not as a regulated adviser.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

3.5 Risk Factors

Financial decisions and investments involve various risks, including but not limited to:

• Market risk: The value of investments may fluctuate with market conditions.
• Credit risk: An issuer may fail to meet its financial obligations.
• Liquidity risk: You may not be able to sell an investment at the desired time or price.
• Inflation risk: Inflation may erode the purchasing power of your returns over time.
• Regulatory risk: Changes in laws, regulations, or tax policies may affect outcomes.

3.6 Limitation of Liability

To the maximum extent permitted by applicable law, Joy With Wealth, its proprietor, and its affiliates shall not be liable for any indirect, incidental, consequential, or special damages arising from your use of our services, reliance on information provided, or any decisions made based on our guidance. Our total liability for any claim shall not exceed the amount you paid us for the specific service giving rise to the claim. You acknowledge that all financial decisions are made at your own risk and discretion. Nothing in these terms excludes or limits any liability that cannot be excluded or limited under applicable Indian law, including the Consumer Protection Act, 2019.

4.1 Business Relationship

Joy With Wealth is a sole proprietorship operated by Col Daljeet Rupaal (legal/registered name: Daljeet Singh Rupaal), an independent financial education and coaching service based in Zirakpur, Punjab, India. By engaging with our services, you enter into a coach–client relationship governed by the terms outlined on this page.

4.2 Nature of Our Service

Our consultations and the Wealth Abundance Blue Print program are educational and coaching in nature. They help you understand your financial situation, build skills and habits, and conceptualise a plan. They do not constitute regulated investment advice under SEBI's Investment Advisers Regulations, 2013. Final decisions remain solely your responsibility.

4.3 Affiliate and Referral Relationships

In the course of our consultation and professional assistance, we may help you access financial and other products — including, but not limited to:

• Mutual funds — Col Daljeet Rupaal is an AMFI-registered Mutual Fund Distributor (ARN-177947). Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
• Insurance — offered solely by Col Daljeet Rupaal as an IRDAI-licensed individual agent of Axis Max Life Insurance Limited (IRDAI Registration No. 104; advertisement ref. ARN/Web/13122024). Axis Max Life Insurance is the subject matter of solicitation; read all related documents carefully before purchase.
• Direct-selling opportunities — opportunities offered by companies engaged in direct selling in compliance with the Consumer Protection (Direct Selling) Rules, 2021. These are handled separately from this website.

We may act as a distributor, agent, or referral partner for these, and may receive commissions, distribution fees, or referral income as a result. These relationships may create a conflict of interest. We aim to be transparent about them and to introduce only options we genuinely believe can serve you; nonetheless, you should evaluate any product independently and on its own merits. Insurance-related grievances may also be raised with the insurer or with the IRDAI, including via its Bima Bharosa portal.

4.4 Revenue Transparency

Our revenue comes from the following sources:

• Program fees: Fees for the paid workshops and coaching within the Wealth Abundance Blue Print.
• Distribution commissions: Commissions from facilitating mutual funds and insurance products.
• Referral and affiliate income: Fees or commissions from product-based opportunities we may introduce 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. While we maintain affiliate and referral relationships, our educational content is not dictated by any third party. We strive to provide honest, transparent, and useful information.

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:

• Free initial consultation: A one-on-one Discovery Call to understand your situation and goals, at no cost and with no obligation.
• Wealth Abundance Blue Print: A paid, guided 4-step financial-education and coaching program, including workshops on goal-setting, savings and budgeting, planning for contingencies, and building passive income.
• Product facilitation: We may help you access mutual funds (as an AMFI-registered Mutual Fund Distributor) and insurance (as an IRDAI-licensed individual agent), and may earn commissions or referral income. See the Disclosure for our ARN, insurer, and regulatory details.
• Educational content: Blog posts, guides, and resources published on our website.

The scope, deliverables, and timeline of any paid program are discussed and confirmed with you before you enrol. Programs are delivered online (for example, via Zoom); there is no physical product or shipment, and your first session is typically scheduled within a few business days of enrolment. Program fees are charged solely for financial education and coaching, and are not a joining fee, deposit, or investment in any product or income opportunity.

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 or program materials without prior written permission.
• Attend scheduled sessions on time, or reschedule with reasonable notice.

5.4 Payment Terms

• The initial consultation is free. Fees apply only to paid programs you choose to enrol in, and are communicated to you in advance.
• Program fees are quoted in Indian Rupees (INR). Any applicable taxes will be indicated at the time of payment.
• Payments are processed securely through Razorpay (UPI, debit/credit cards, net banking, and other supported methods).
• Refunds are subject to our Refund Policy.

5.5 Intellectual Property Rights

All content on joywithwealth.com, including text, graphics, logos, images, program frameworks, and materials, 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 or program materials without our express written consent.

5.6 Confidentiality

We treat all personal and financial information shared during our consultations and programs 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 (for example, processing payments through Razorpay). You agree to keep confidential any proprietary methods, materials, or frameworks shared with you.

5.7 Communications Consent

By providing your email address and engaging with our services, you consent to receive transactional and informational communications from Joy With Wealth via Brevo. These may include scheduling details, program updates, educational content, and occasional offers. You may unsubscribe from non-essential emails at any time using the link provided in each email. Communications essential to a service you are enrolled in will continue 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. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable Indian law, including the Consumer Protection Act, 2019.

5.9 Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of India. Subject to the sentence below, any disputes arising from or related to these terms or our services shall be subject to the jurisdiction of the courts at SAS Nagar (Mohali), Punjab, India. Nothing in this clause affects any right you may have, as a consumer, to approach a consumer dispute redressal forum under the Consumer Protection Act, 2019.

5.10 Modifications to Terms

We reserve the right to update or modify these Terms of Service at any time without prior notice. Changes are 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.