Terms and Conditions

Last updated: 23rd January 2026

Welcome to Gaurav Pharswan (https://gauravpharswan.in/).

By accessing or using this website, you agree to comply with and be bound by the following Terms and Conditions.
If you do not agree with any part of these terms, please do not use this website.

1. About This Website

This website is a personal blog operated from India and is intended to:

Share financial education, opinions, tools, and resources

Promote financial awareness for the general public

Act as a lead-generation platform for professional consultation services

Use of this website does not automatically create a professional or advisory relationship.

2. Use of Content

All content on this website — including articles, tools, templates, graphics, and text — is provided for educational and informational purposes only.

You may:

Read and share content for personal, non-commercial use

Quote content with proper attribution and a link back to the website

You may not:

Copy, reproduce, or redistribute content for commercial purposes without permission

Present the content as your own

Modify or misuse tools or templates in a misleading manner

3. Financial & Investment Disclaimer

The content on this website does not constitute financial, investment, legal, or tax advice.

Any opinions expressed are personal and intended for general education only.

Users should make financial decisions based on their own research or consult a qualified and registered financial professional before acting on any information found on this website.

4. Professional Advisory Relationship

This website may be used to initiate discussions regarding professional consultation services.

However, no advisor–client relationship is formed unless:

Both parties explicitly agree, and

A formal written contract or agreement is executed.

Any communication, guidance, or discussion outside a signed agreement is limited in scope and should not be relied upon for investment decisions.

5. User Responsibilities

By using this website, you agree that you will:

Use the website for lawful purposes only

Not submit false, misleading, or malicious information

Not attempt to disrupt, hack, or misuse the website or its services

Take responsibility for your own financial decisions

6. Comments & User Submissions

Users may post comments or submit messages through forms.

We reserve the right to:

Moderate, edit, or remove comments that are abusive, spammy, misleading, or inappropriate

Block users who repeatedly violate these terms

Comments reflect the views of the individual user and not the website owner.

7. Affiliate Links & External Websites

This website may contain:

Affiliate links

Links to third-party websites

Embedded content from external platforms

We are not responsible for the content, policies, or practices of third-party websites.
Visiting external links is done at your own discretion.

8. Limitation of Liability

To the fullest extent permitted by law:

We are not liable for any losses, damages, or decisions arising from the use of this website

We make no guarantees regarding accuracy, completeness, or outcomes

Use of this website is entirely at your own risk.

9. Intellectual Property

All original content on this website is the intellectual property of Gaurav Pharswan, unless otherwise stated.

Unauthorized use of content may result in legal action.

10. Privacy

Your use of this website is also governed by our Privacy Policy.
Please review it to understand how your information is collected and used.

11. Changes to These Terms

We reserve the right to update or modify these Terms and Conditions at any time.

Changes will be effective immediately upon being posted on this page.
Continued use of the website constitutes acceptance of the updated terms.

12. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of India.

Any disputes shall be subject to the jurisdiction of Indian courts.

13. Contact Information

If you have any questions about these Terms and Conditions, please contact:

📧 Email: pharswan.gaurav12@gmail.com
🌐 Contact Form: https://gauravpharswan.in/contact/