These terms apply to your use of the website presented for Guru Harkrishan Traders and Balwinder Kaur. By using the website, you agree to use it lawfully and respectfully. If you do not agree, please discontinue use.
1. Website Use
You may use this website to learn about the advisory services described and to find contact information. You must not misuse the website, attempt unauthorized access, interfere with its operation or use it for unlawful purposes.
2. General Information
Website content is intended for general information and conversation purposes. It may not address every individual's circumstances and should not be treated as a substitute for reviewing specific policy documents and applicable terms.
3. Insurance Information
Descriptions of life insurance, family protection, education planning, retirement planning and policy servicing are general summaries. Actual product features, benefits, exclusions, premiums, eligibility and conditions depend on the specific product documentation and insurer rules in force at the relevant time.
4. Policy Applications and Approval
Submitting an enquiry or speaking with an advisor does not constitute an insurance application, guarantee acceptance or create an insurance contract. Any application is subject to the insurer's process, underwriting, eligibility criteria and applicable documentation.
5. Financial Outcomes
No particular financial outcome, return, claim result or policy approval is promised by the website. You should consider your own circumstances and review relevant product documents before making a decision.
6. Communication
Contact buttons may open phone, email or WhatsApp applications. Availability and delivery of messages depend on those services and your device or network. Do not submit confidential or highly sensitive information through general website forms.
7. Third-Party Links
External links are offered for convenience. We do not control third-party websites and are not responsible for their content, availability or policies. Visiting them is at your discretion.
8. Intellectual Property
Unless otherwise stated, website layout, written content and visual elements are provided for this website. You may not reproduce or republish material in a misleading way or in a manner that violates applicable rights.
9. Limitation of Liability
To the extent permitted by applicable law, the website is provided on an informational basis without a guarantee that it will always be available, error-free or suitable for every purpose. Nothing in these terms excludes liability where such exclusion is not permitted by law.
10. Website Changes
Content, services and website features may be changed, suspended or removed as needed. These terms may also be updated from time to time, with the latest version published on this page.
11. Governing Law
These terms are subject to applicable laws of India. Any legal matter will be handled by the competent forum as determined under applicable law.
12. Contact Information
Questions about these terms may be directed to Balwinder Kaur at balwinder.bk1975@gmail.com or 9711563151. Address: H.No. 46, 2nd Floor, Pocket 21, Sector 24, Rohini, Delhi, Delhi, 110085.