TERMS & CONDITIONS OF SERVICE

Last Updated: August 2026

Welcome to www.ragaasfinserve.com. By accessing or using this website, you agree to comply with and be bound by the following terms and conditions.

1. Permitted Use & Informational Scope
All content, articles, newsletters (FinSights), graphics, interactive calculators, and simulation tools on this website are provided for general educational and informational purposes. They do not constitute personalized legal, tax, or SEBI-registered investment advisory mandates.

2. User Responsibilities
• You agree to provide accurate, current, and complete information when utilizing inquiry forms, booking tools, or calculation engines.
• You acknowledge that financial decisions should be evaluated against your individual risk appetite, investment horizon, and family financial commitments before executing transactions.

3. Intellectual Property
All text, brand marks, logos, frameworks, and visual assets associated with Ragaas Finserve and FinSights are the intellectual property of Santosh Raman Karthik and Ragaas Finserve. Unauthorized duplication, reproduction, or republication is strictly prohibited without prior written consent.

4. External Links & Third-Party Platforms
This website may contain links to external scheduling tools (Google Calendar), WhatsApp communication channels, and institutional transaction portals. Ragaas Finserve is not responsible for the independent terms or privacy policies of third-party platforms.

5. Governing Law & Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of India. Any disputes arising out of the use of this website shall be subject to the exclusive jurisdiction of the competent courts in Thane / Mumbai, Maharashtra.

6. Contact
For any queries regarding these terms, please contact:
Santosh Raman Karthik | Ragaas Finserve
Email: santosh@ragaasfinserve.com | Phone: +91 98200 40414