Terms of Service for Turtle Finance

Last Updated: 8th May 2025

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These Terms of Service ("Terms") apply to your access and use of the Turtle Finance platform ("Platform"), owned and operated by Mukund Lahoty, an individual SEBI Registered Investment Advisor (RIA) (Registration Number: INA000020147), with a registered address at Flat 25, Block C D, Ambedkar Nagar Road, Shalimar Bagh Paschim, New Delhi - 110088. The Platform operates under the domain Turtle Finance - https://www.turtlefinance.in

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By accessing or using this Platform and its services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our services.

1. Who We Are

Turtle Finance is a platform that helps individuals access licensed financial advisors, including SEBI-registered investment advisors (RIAs), CAs, insurance advisors, and legal professionals. The platform also provides financial education content and facilitates appointments or subscriptions for advice. Turtle Finance does **not** provide distribution or execution services and is not affiliated with any mutual fund, insurance, or broking entity.

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2. Eligibility

You must be at least 18 years of age and legally competent to use our services. By using the platform, you represent and warrant that you meet these eligibility requirements.

3. Nature of Services

* The advice provided on the platform is from qualified professionals and is **non-binding** on Turtle Finance.
* Mukund Lahoty provides fee-only, non-commissioned advice under his RIA license.
* No client relationship is formed merely by browsing or interacting with the website. A formal engagement letter or service agreement is required for advisory services.

4. Platform Usage and Conduct

By using the platform, you agree:

* To provide accurate and up-to-date information.
* Not to misuse or disrupt the platform, use bots, reverse engineer, or copy any content.
* To use the services in compliance with all applicable Indian laws, including SEBI regulations.

5. Payments and Refunds

* All fees are transparently disclosed before engagement.
* Payment is to be made in Indian Rupees (INR) or other currencies as made available through supported international payment gateways.
* Currency exchange rates and any foreign transaction fees are determined by your card issuer or payment provider and are not controlled by Turtle Finance.
* Refunds are processed only for cancellations **before** a consultation or service is delivered. No refunds post-delivery.
* Email us at talk@turtlefinance.in for refund requests.

6. Data Privacy

We value your privacy. Please refer to our Privacy Policy for details on how we collect, use, and protect your personal information.

7. Intellectual Property

All content on the website, including text, graphics, logos, and software, is the property of Mukund Lahoty or licensed to him. Users are not permitted to copy, reproduce, or distribute any content without written permission.

8. Suspension and Termination

Turtle Finance reserves the right to suspend or terminate your access to the Platform if:

* You violate these Terms.
* Your activity is harmful to the Platform or other users.
* Required by law or regulatory authority.

You may also delete your account by writing to us at [talk@turtlefinance.in](mailto:talk@turtlefinance.in).

9. Disclaimer

* Turtle Finance and Mukund Lahoty do not offer any guarantees on investment returns.
* The content is for educational and informational purposes only and should not be construed as personalized investment advice unless formally engaged.

10. Grievance Redressal

In accordance with the Information Technology Act, 2000, and Consumer Protection (E-Commerce) Rules, 2020, the grievance officer is:

Name: Mukund Lahoty
Email: talk@turtlefinance.in

Complaints will be acknowledged within 48 hours and resolved within 30 days.

11. Jurisdiction

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts of New Delhi.

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© 2025 Mukund Lahoty. All rights reserved.

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Disclaimer: The website content is for general informational purposes only and does not constitute legal, tax, or investment advice.