Terms & Conditions

1. Acceptance of Terms

By accessing or using the website hatletventures.in, filling our contact form, using our Risk Profiler, or engaging with any Hatlet Ventures service, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.

If you do not agree with any part of these terms, please discontinue use of our website and services immediately.

2. Our Services

Hatlet Ventures provides the following financial services to individuals, families, and businesses across Tamil Nadu and India:

• Stock Market Training: Educational courses and mentorship on equity trading and investing
• Mutual Fund Advisory: Guidance on selecting, investing in, and monitoring mutual fund schemes
• Insurance Planning: Term insurance, health insurance, and life insurance advisory
• Loan Assistance: Home loan, personal loan, and business loan facilitation
• Portfolio Management Services (PMS): Customised portfolio management for eligible investors

All services are provided in accordance with the applicable laws and regulations of India, including AMFI guidelines for mutual fund distribution, IRDAI regulations for insurance advisory, and other applicable securities and financial services laws.

3. No Guarantee of Returns

Hatlet Ventures does not guarantee, represent, or warrant any specific return, profit, or result from investments made based on our advice, tools, or content. All projections shown on calculators and reports are illustrative only and based on assumptions that may not materialise.

Clients are advised to make their own independent assessment and consult certified financial professionals before making investment decisions.

4. Eligibility

You must be at least 18 years of age to use Hatlet Ventures' services and website. By using our services, you represent that:

• You are a resident of India or a Non-Resident Indian (NRI) eligible to invest under Indian regulations
• You have the legal capacity to enter into contracts under the Indian Contract Act, 1872
• All information you provide to us is accurate, current, and complete

5. Permitted Website Use

You may use hatletventures.in solely for lawful personal and informational purposes. You agree not to:

• Reproduce, duplicate, copy, sell, or exploit any part of our website without written permission
• Transmit unsolicited commercial communications (spam) through our contact forms
• Attempt to gain unauthorised access to any part of our website or servers
• Use our website in any way that causes or may cause damage to the website or impair its availability
• Scrape, harvest, or collect any information from our website using automated tools
• Engage in any fraudulent activity or misrepresentation

6. Calculators & Online Tools

Our website includes financial calculators (SIP Calculator, EMI Calculator, Tax Estimator, etc.) and the Risk Profiler tool. Please note:

• Results are based on the inputs you provide and standard financial formulas
• Calculations are indicative only and do not account for taxes, charges, inflation adjustments, or changing market conditions unless explicitly stated
• The Risk Profiler generates a generalised risk profile — it is not a substitute for a comprehensive financial planning discussion with our advisors
• Hatlet Ventures is not liable for any financial decisions made solely on the basis of these tools

7. Intellectual Property

All content on hatletventures.in — including text, graphics, logos, icons, images, blog articles, calculators, and software — is the intellectual property of Hatlet Ventures or its licensors and is protected under the Indian Copyright Act, 1957.

You may share links to our content and quote brief excerpts (with attribution) for non-commercial educational purposes. You may not reproduce our blog articles, calculators, or tools in whole without prior written consent from Hatlet Ventures.

8. Third-Party Links

Our website may contain links to third-party websites such as SEBI, AMFI, IRDAI, mutual fund houses, or insurance providers. These links are provided for your convenience only. Hatlet Ventures:

• Has no control over the content of third-party sites
• Does not endorse or take responsibility for the content, privacy practices, or policies of any third-party site
• Is not liable for any loss or damage arising from your use of third-party sites

9. Limitation of Liability

To the fullest extent permitted by Indian law, Hatlet Ventures, its founders, employees, and partners shall not be liable for:

• Any direct, indirect, incidental, or consequential financial loss arising from investment decisions based on our content, advice, or tools
• Interruption or unavailability of our website or services
• Errors, inaccuracies, or omissions in our website content
• Unauthorised access to or alteration of your data by third parties

Our total liability to you for any claim arising under these terms shall not exceed the amount of fees paid by you to Hatlet Ventures for the relevant service in the preceding 12 months.

10. Indemnification

You agree to indemnify and hold harmless Hatlet Ventures, its directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including legal fees) arising from:

• Your violation of these Terms and Conditions
• Your misuse of our website or services
• Any inaccurate information you provided to us
• Your violation of any applicable Indian law or third-party rights

11. Termination

Hatlet Ventures reserves the right to suspend or terminate your access to our website and services, without notice, if we reasonably believe you have violated these Terms and Conditions, engaged in fraudulent activity, or for any other reason at our sole discretion.

You may terminate your relationship with us at any time by ceasing to use our website and requesting deletion of your data per our Privacy Policy.

12. Governing Law & Disputes

These Terms and Conditions are governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts in Tiruppur, Tamil Nadu, India.

Before initiating legal proceedings, we encourage you to contact us to resolve any dispute amicably. Most issues can be resolved with a simple conversation — reach us at info@hatletventures.in or +91 91507 96507.

13. Changes to These Terms

We reserve the right to modify these Terms and Conditions at any time. Changes become effective immediately upon posting to this page. The "Last updated" date at the top reflects the most recent revision. We recommend reviewing this page periodically.

Continued use of our website or services after any changes constitutes your acceptance of the updated terms.