Welcome to Raju Wealth.
By accessing or using this website, you agree to the following Terms & Conditions.
If you do not agree, please discontinue using the website immediately.

Terms & Conditions

This website provides information related to life insurance, mutual funds, financial awareness, and insurance advisor recruitment.

All information provided here is for educational and informational purposes only.

We do not guarantee accuracy, completeness, or timeliness of the content. Users are advised to verify details before making financial decisions.

The content on this website does not constitute investment advice, tax advice, or legal advice.

Mutual fund and insurance decisions must be made only after reading the scheme related documents, KYC requirements, product brochures, and consulting with a certified professional if required.

Past performance of mutual funds or insurance products does not guarantee future returns.

All insurance products are subject to terms, conditions, exclusions, and underwriting guidelines of respective insurance companies.

Premiums, benefits, features, and eligibility may vary based on the insurance company’s approved rules.

Claims are processed only by the respective insurance company as per policy terms.

Mutual Fund investments are subject to market risks.

Investors must read all scheme related documents carefully before investing.

The website is not responsible for any financial loss, decision, or action taken by the investor.

Any advisor recruitment information provided here is for individuals interested in exploring career/business opportunities in the insurance industry.

Selection, onboarding, training, and licensing are conducted strictly as per IRDAI (Insurance Regulatory and Development Authority of India) guidelines.

Selection as an advisor is not guaranteed and is subject to eligibility, verification, and approval from the respective insurance company.

Earnings shown in examples or testimonials are based on individual performance and may vary.

To use this website:

You must be at least 18 years old.

You must comply with all applicable local laws and regulations.

Although we strive for accuracy:

Information may change without prior notice.

Product features, pricing, and eligibility are determined by the respective insurance or mutual fund company.

This website may contain links to third-party sites.

We are not responsible for the content, privacy, or policies of external sites.

We are not liable for any direct, indirect, incidental, or consequential loss arising from the use of this website.

All decisions made using website information are at the user’s own risk.

Any data submitted voluntarily (name, number, email, etc.) may be used to contact you regarding financial products, services, or recruitment.

We will not share your personal information without consent, except as required by law.

All content, design, text, logos, and graphics belong to Raju Wealth.

Unauthorized copying, reproduction, or distribution is prohibited.

We reserve the right to update these Terms & Conditions at any time. Continued use of the website means acceptance of updated terms.

PRIVACY POLICY

Last Updated: 16-11-2025

At Raju Wealth, we are committed to protecting your privacy.
This Privacy Policy explains how we collect, use, store, and safeguard your personal information.

1. Information We Collect

We may collect the following information when you use our website or services:

a. Personal Information

Name

Mobile number

Email address

City / Location

Date of birth (if required for insurance purposes)

b. Financial Information (Optional & Only When Required)

PAN

KYC details

Income details

Investment preferences

c. Automatically Collected Information

IP address

Device information

Browser type

Cookies and tracking data

2. How We Use Your Information

Your information may be used for the following:

To contact you regarding life insurance, mutual funds, or advisor recruitment.

To provide updates, consultations, or service-related communications.

To process applications submitted by you.

To improve website performance and user experience.

To comply with legal or regulatory requirements.

3. Data Sharing

We do not sell or share your personal data with third parties except:

With insurance companies, AMCs, or financial institutions for processing your application.

With regulatory authorities like IRDAI, SEBI, etc., if required by law.

With trusted service providers (e.g., SMS/email service platforms).

4. Data Protection

We use industry-standard measures to safeguard your information from unauthorized access, misuse, or disclosure.

However, no method of transmission over the internet is 100% secure; hence we do not guarantee absolute security.

5. Cookies Policy

We use cookies for:

Website analytics

Improving user experience

Remembering user preferences

You can disable cookies from your browser settings.

6. Your Rights

You may request:

Access to your data

Correction of inaccurate data

Deletion of your data (as permitted by law)

Opt-out from marketing communications

7. Third-Party Websites

Our website may contain links to third-party pages. We are not responsible for their content or policies.

8. Updates to Privacy Policy

We may update this Privacy Policy anytime. Continued use means you accept the updated version.

9. Contact Us

📄 REFUND & CANCELLATION POLICY

Last Updated: 16-11-2025

This Refund & Cancellation Policy applies to all users of Raju Wealth.

1. General Rule

Our website provides financial consultation, information, and facilitation services for:

Life Insurance

Mutual Funds

Advisor Recruitment

Since these services involve third-party institutions (insurance companies, AMCs), we do not issue refunds directly for any financial products.

2. Refund for Life Insurance Policies

Life insurance premiums are not collected by us.
All payments are made directly to the respective insurance company.

Refund/Cancelation is governed by the insurance company’s rules:

a. Free Look Period

A policyholder may cancel the policy within 15–30 days of receiving the policy document.
Refunds (if eligible) are processed directly by the insurer.

b. After Free Look Period

Refunds are not applicable, except in specific circumstances defined by the insurer.

3. Refund for Mutual Fund Investments

Mutual fund transactions/payments are handled by the respective AMC/RTAs (CAMS/Kfintech).
Refund or cancellation is not provided by us.

Investors may redeem units as per scheme rules through:

AMC portal

RTA portal

Distributor/agent

Mobile app

Processing time is governed by SEBI/AMC guidelines.

4. Fees Paid on the Website (If Any)

If you charge any advisory, consultation, or service fee, use this section:

Any service fee paid on this website is non-refundable once the service has been delivered.
Refunds may be issued only in cases of:

Duplicate payment

Technical issues leading to non-delivery

Refund requests must be submitted within 7 days of payment.

5. Cancellation of Appointments/Consultations

If you book a consultation or meeting:

You may reschedule 24 hours in advance.

Cancellation after service delivery is not refundable.

6. No Guarantee of Acceptance

For advisor recruitment applications:

Filling the form does not guarantee selection.

No fees will be charged for applying.

No refund is applicable.

For queries, support, or complaints:
📩 Email: [email protected]
📞 Contact: 9492281332
🏢 Address: karimnagar