Niyyam — Disclaimer
Effective Date: 4th March 2026
Platform / Controller: Niyyam, operated by Tech Margon WealthPvt. Ltd., Bangalore, Karnataka, India.
Contact / Grievance Officer: [Name], Email: [Grievance Officer Email], Phone: [Phone Number]
1. General Disclaimer
1.1 Informational Purpose Only:
The content, materials, and information provided on Niyyam (the “Platform”) are for general informational purposes only. Nothing on the Platform constitutes professional financial advice, investment advice, insurance advice, or any solicitation to buy or sell financial products.
1.2 No Investment or Insurance Recommendation:
Any mutual fund, insurance policy, or financial product described on the Platform is not a recommendation. Users should conduct their own due diligence and consult a qualified financial advisor before making any investment or insurance decision.
1.3 Past Performance Not Indicative:
Past performance of any mutual fund, insurance policy, or financial instrument does not guarantee future results. Investment values may fluctuate, and users may lose principal amounts invested.
2. Accuracy of Information
2.1 While Niyyam strives to provide accurate, timely, and complete information, we do not guarantee the accuracy, reliability, or completeness of any information on the Platform.
2.2 Market data, NAVs, policy premiums, or other financial information may change frequently. Niyyam is not responsible for any delays or errors in information displayed.
2.3 All information is provided “as is” without any warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
3. User Responsibility
3.1 Users are fully responsible for any investment, insurance, or financial decisions made based on information from the Platform.
3.2 Niyyam does not provide personalized recommendations and is not liable for any financial loss, damage, or inconvenience arising from use of the Platform.
3.3 Users must ensure that all KYC, AML, and regulatory requirements are fulfilled when transacting with financial institutions via the Platform.
4. Third-Party Products & Links
4.1 The Platform may include links, references, or integrations with third-party financial service providers (e.g., AMCs, insurance companies, payment gateways).
4.2 Niyyam does not control, endorse, or guarantee the services, accuracy, or security of third-party products or platforms. Users engaging with third-party services do so at their own risk.
4.3 Niyyam is not responsible for any loss, delay, or error caused by third-party services or websites.
5. Regulatory Compliance
5.1 Niyyam operates as a Lending Service Provider (LSP) and financial technology platform, complying with applicable SEBI, AMFI, IRDAI, and DPDP Act regulations.
5.2 The Platform does not guarantee approvals for mutual fund investments, insurance policies, or loan applications. Approval and execution of any financial transaction are subject to the rules and discretion of the respective financial institutions.
5.3 Users are required to read and understand product disclosures, scheme documents, and policy terms before transacting.
6. Limitation of Liability
6.1 To the maximum extent permitted by law, Niyyam, its affiliates, directors, officers, employees, or agents shall not be liable for:
- Any direct or indirect loss arising from use of the Platform.
- Any investment or insurance decisions made based on information on the Platform.
- Any technical failures, interruptions, or errors in Platform operations.
- Any unauthorized access or data breach despite reasonable security measures.
6.2 Users acknowledge that they use the Platform at their own risk and agree to hold Niyyam harmless against any claims, losses, or damages.
7. No Endorsement or Affiliation
7.1 References to mutual funds, insurance companies, banks, or other financial institutions do not imply endorsement, partnership, or recommendation by Niyyam unless explicitly stated.
7.2 All trademarks, logos, or intellectual property displayed on the Platform are the property of their respective owners.
8. Changes to Disclaimer
8.1 Niyyam may update this Disclaimer at any time to reflect changes in regulatory requirements, business operations, or platform functionalities.
8.2 Users are encouraged to review this page periodically. Continued use of the Platform constitutes acceptance of the updated Disclaimer.
9. Contact & Grievance Officer
For any queries or complaints regarding this Disclaimer or the Platform:
Grievance Officer:
Tech Margon Wealth Pvt. Ltd. (Niyyam)
Email: ashok@niyyam.com
Postal Address: 1,2 A1 Block, 4th Floor, Above Chef Bakers’ ITPL Main Road, Near Brookefield Hospital, Kundanhalli, Bangalore-560037, Karnataka