Website: dhanyana.com
Last Updated: November 21, 2025
Introduction
Welcome to Dhan Yana (“we,” “us,” “our”). We are a financial services platform that connects individuals with trusted financial experts, personalized planning tools, and educational resources to help them achieve financial clarity and prosperity.
These Terms and Conditions govern your use of our website dhanyana.com and the services we offer. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our website.
About Our Services
Dhan Yana is a platform designed to:
Connect users with qualified financial professionals and advisors
Provide educational content and insights on financial planning, insurance, and wealth management
Offer tools, calculators, and resources to help users understand and plan their finances
Facilitate communication between users seeking financial guidance and expert advisors
Important Clarification: Dhan Yana acts as an intermediary platform for lead generation and educational purposes only. We do not directly provide financial advisory services, insurance products, investment instruments, or execute any financial transactions. The financial professionals featured on our platform operate independently, and any engagement with them is subject to their own terms, conditions, and regulatory compliance.
Definitions:
“Website” refers to dhanyana.com and all its subdomains.
“Platform” refers to the services, tools, and features available through the Website.
“User,” “You,” “Your” refers to any individual or entity accessing or using the Website.
“Financial Professionals” refers to advisors, planners, consultants, insurance agents, or experts featured on or connected through our Platform.
“Content” refers to all text, images, videos, graphics, tools, calculators, and other materials on the Website.
“Lead” refers to user information submitted through forms or inquiries on the Website.
“Tools” refers to calculators, planners, and other interactive features provided on the Website.
Eligibility
By using this Website, you represent and warrant that:
You are at least 18 years of age.
You are a resident of India or have the legal capacity to access services from India.
You have the legal capacity to enter into a binding agreement.
You will use the Website in compliance with all applicable laws and regulations.
All information you provide is accurate, current, and complete.
User Accounts
Account Registration
Certain features of our Platform may require you to create an account or submit your information. You agree to provide accurate, current, and complete information during registration and to keep this information updated.
Account Security
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately at help@dhanyana.com of any unauthorized access or use of your account.
Account Termination
We reserve the right to suspend or terminate your account at our sole discretion, without prior notice, for conduct that we believe violates these Terms, is harmful to other users or third parties, or for any other reason.
Lead Generation and Information Sharing
Collection of Information
When you submit inquiries, fill out forms, or request consultations through our Website, you consent to the collection of your personal and financial information as described in our Privacy Policy.
Sharing with Financial Professionals
By submitting your information through our Platform, you expressly consent to us sharing your details with relevant financial professionals, advisors, insurance intermediaries, or partner organizations who may contact you regarding your inquiry.
No Obligation
Submitting your information does not obligate you to purchase any product or service. You are free to evaluate options and make decisions at your own discretion.
Communication Consent
By providing your contact information, you consent to receive communications from Dhan Yana and our partner financial professionals via phone, email, SMS, or WhatsApp regarding your inquiry and related services. You may opt out of such communications at any time by contacting us at help@dhanyana.com.
Regulatory Compliance and Disclaimers
Platform Status Clarification
Dhan Yana is NOT: A SEBI Registered Investment Adviser (RIA) under the SEBI (Investment Advisers) Regulations, 2013
A SEBI Registered Research Analyst (RA) under the SEBI (Research Analysts) Regulations, 2014
An IRDAI licensed insurance intermediary, insurance broker, corporate agent, or web aggregator under the Insurance Act, 1938 or IRDAI regulations
A stock broker, sub-broker, portfolio manager, or depository participant registered with SEBI
An AMFI registered mutual fund dist
Dhan Yana IS:
An educational and lead generation platform that connects users with independently operating, licensed financial professionals
A provider of general financial education content and informational tools
SEBI Compliance Disclaimer
The information, articles, tools, and content provided on this Website are for general educational and informational purposes only and do not constitute:
“Investment advice” as defined under SEBI (Investment Advisers) Regulations, 2013
“Research report” or “research recommendation” as defined under SEBI (Research Analysts) Regulations, 2014
A recommendation to buy, sell, or hold any securities, mutual funds, or other SEBI-regulated investment products
Personalized financial advice tailored to your specific circumstances
Users are advised:
To verify the SEBI registration status of any investment adviser or research analyst before engaging their services
That SEBI-registered Investment Advisers operate on a fee-only model and cannot receive commissions from product sales
To check the SEBI website (www.sebi.gov.in) or contact SEBI helpline for verification of any advisor’s credentials
That any investment in securities markets is subject to market risks; past performance is not indicative of future returns
IRDAI Compliance Disclaimer
Insurance-Related Disclaimers:
Dhan Yana does not sell, solicit, or underwrite any insurance policies
We do not collect insurance premiums or process insurance claims
The insurance information provided on this Website is for general awareness only
Any insurance-related advice or recommendations will be provided by IRDAI-licensed professionals only
Users are advised:
To verify that any insurance agent, broker, or intermediary they engage with holds a valid IRDAI license
That insurance products are subject to terms, conditions, and exclusions as specified in the policy documents
To read all policy documents carefully before purchasing any insurance product
That IRDAI does not endorse or recommend any specific insurance company or product
To verify insurance company credentials at the IRDAI website (www.irdai.gov.in) or IRDAI’s policyholder portal (www.policyholder.gov.in)
IRDAI Consumer Awareness:
Insurance is a matter of solicitation
Beware of spurious calls and fictitious offers
IRDAI clarifies to the public that IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus, or investment of premiums
Public receiving such calls are requested to lodge a police complaint
Mutual Fund Disclaimer
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing.
The NAV of mutual fund units may go up or down based on factors affecting the securities markets.
Past performance of mutual funds is not necessarily indicative of future performance.
Dhan Yana does not guarantee any returns on mutual fund investments.
General Investment Risk Disclosure
All investments carry inherent risks, including but not limited to:
Market risk and volatility
Interest rate risk
Credit/default risk
Inflation risk
Liquidity risk
Regulatory and political risk
Currency risk (for international investments)
Users should assess their risk tolerance, investment horizon, and financial goals before making any investment decisions. We strongly recommend consulting with a qualified, licensed financial professional.
Financial Tools and Calculators Disclaimer
Purpose of Tools
The calculators, planners, and other interactive tools provided on this Website (including but not limited to SIP calculators, retirement planners, insurance premium calculators, EMI calculators, goal planners, and wealth calculators) are designed to be informational and educational tools only.
Limitations of Tools
These tools:
Provide hypothetical illustrations and approximate estimates only
Do not constitute investment advice, financial planning advice, or recommendations
Should not be relied upon as accurate indications of your actual financial needs or outcomes
Use simplified assumptions that may not reflect your actual financial situation
Do not account for all variables, fees, taxes, or market conditions that may affect actual results
No Guarantee of Results
The results presented by our calculators are hypothetical and may not reflect actual growth, returns, or outcomes of your investments
We do not guarantee that any calculator or tool is reliable, accurate, complete, or error-free
The rate of return or projections shown are used only to illustrate the effects of compounding or planning scenarios and are not intended to reflect future values or actual returns
Actual results will vary based on market conditions, product features, fees, taxes, and individual circumstances
User Responsibility
Users are solely responsible for verifying all calculations and assumptions
Users should not make financial decisions based solely on the output of these tools
We strongly recommend consulting a qualified financial professional before making any investment, insurance, or financial planning decisions
As each individual’s situation is different and changes over time, the results are limited by the accuracy of the assumptions you provide
No Liability for Tool Usage
Dhan Yana shall not be liable for any loss, damage, or adverse consequence arising from the use or misuse of any calculator or tool on this Website, including decisions made based on their output.
Financial Information Disclaimer
Educational Purpose Only
The content on this Website, including articles, guides, videos, infographics, and tools, is provided for general informational and educational purposes only. It does not constitute financial, investment, tax, legal, or insurance advice.
Not a Substitute for Professional Advice
The information provided should not be relied upon as a substitute for professional financial advice tailored to your individual circumstances. Always consult with a qualified, licensed financial advisor, tax consultant, or legal professional before making any financial decisions.
No Guarantees
We do not guarantee any specific financial outcomes, returns, or results from using our Platform or engaging with financial professionals connected through our Website. All financial decisions involve risk, and past performance is not indicative of future results.
Third-Party Professionals
The financial professionals featured on our Platform are independent entities operating under their own licenses and registrations. Dhan Yana does not endorse, guarantee, or assume responsibility for the advice, recommendations, products, or services provided by these professionals. Any engagement with them is at your own risk and subject to their terms and applicable regulatory requirements.
Verification of Credentials
Before engaging with any financial professional connected through our Platform, users are advised to independently verify their credentials, licenses, and registrations with the appropriate regulatory bodies such as SEBI, IRDAI, AMFI, or relevant professional associations.
Acceptable Use Policy
When using our Website, you agree NOT to:
Provide false, misleading, or fraudulent information in any form or inquiry
Use the Website for any unlawful purpose or in violation of any applicable laws
Impersonate any person or entity or misrepresent your affiliation
Infringe upon the intellectual property rights of others
Upload or transmit viruses, malware, or other harmful code
Attempt to gain unauthorized access to our systems or other users’ accounts
Engage in any activity that disrupts or interferes with the Website’s functionality
Collect or harvest personal information of other users without consent
Use automated systems (bots, scrapers) to access the Website without our permission
Engage in spamming, phishing, or other deceptive practices
Use the Platform for any purpose other than genuine financial planning inquiries
Misrepresent yourself as a licensed financial professional when you are not
Intellectual Property Rights
Our Content
All content on this Website, including but not limited to text, graphics, logos, images, videos, tools, calculators, software, and design elements, is the property of Dhan Yana or its licensors and is protected by copyright, trademark, and other intellectual property laws.
Limited License
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes, subject to these Terms.
Restrictions
You may not reproduce, distribute, modify, create derivative works from, publicly display, republish, or exploit any content from this Website without our prior written consent.
Trademarks
“Dhan Yana,” our logo, and other marks are trademarks of Dhan Yana. You may not use these marks without our prior written permission.
User-Generated Content
Your Submissions
If you submit reviews, testimonials, comments, or any other content to our Website, you grant us a non-exclusive, worldwide, royalty-free, perpetual license to use, modify, reproduce, distribute, and display such content in connection with our Platform and marketing activities.
Responsibility
You are solely responsible for any content you submit and represent that it is accurate, does not violate any third-party rights, and complies with applicable laws.
Moderation
We reserve the right to remove or modify any user-generated content at our sole discretion, without prior notice.
Third-Party Links and Services
Our Website may contain links to third-party websites, tools, or services, including websites of financial professionals, regulatory bodies, and educational resources. These links are provided for your convenience only. We are not responsible for the content, privacy practices, accuracy, or terms of any third-party sites. Your use of third-party services is at your own risk and governed by their respective terms.
Privacy
Your use of our Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and sharing of your personal information.
Disclaimers
“As Is” Basis
The Website, Platform, and all content, tools, and services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.
No Warranty
We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and reliability of information.
No Guarantee of Availability
We do not guarantee that the Website will be uninterrupted, secure, error-free, or that any defects will be corrected. We may modify, suspend, or discontinue any part of the Website at any time without notice.
Financial Professional Disclaimer
We do not guarantee the qualifications, competence, reliability, regulatory compliance, or suitability of any financial professional connected through our Platform. Users are advised to conduct their own due diligence and verify credentials before engaging with any advisor.
Limitation of Liability
To the fullest extent permitted by law, Dhan Yana and its directors, officers, employees, agents, partners, and affiliates shall not be liable for:
Any indirect, incidental, special, consequential, or punitive damages
Loss of profits, data, goodwill, or other intangible losses
Any damages arising from your use of or inability to use the Website or its tools and calculators
Any conduct or content of any third party on or connected through the Platform
Any financial losses, investment losses, insurance claim denials, or damages resulting from advice or services provided by financial professionals connected through our Platform
Any decisions made based on the output of our calculators or tools
Any inaccuracies in third-party content or regulatory information
Our total liability for any claims arising under these Terms shall not exceed INR 10,000 (Indian Rupees Ten Thousand) or the amount you paid to us, if any, in the twelve (12) months preceding the claim, whichever is lower.
Indemnification
You agree to indemnify, defend, and hold harmless Dhan Yana and its directors, officers, employees, agents, partners, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:
Your use of the Website, Platform, or any tools/calculators
Your violation of these Terms
Your violation of any applicable laws or regulations
Any content you submit to the Website
Your engagement with financial professionals connected through our Platform
Any infringement of rights of another party
Any misrepresentation of your identity or credentials
Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Navi Mumbai, Maharashtra, India.
Dispute Resolution
Informal Resolution
Before filing any formal legal action, you agree to first contact us at help@dhanyana.com and attempt to resolve any dispute informally for at least thirty (30) days.
Arbitration
If the dispute cannot be resolved informally, any dispute, controversy, or claim arising out of or relating to these Terms shall be settled by arbitration in accordance with the Arbitration and Conciliation Act, 1996. The seat of arbitration shall be Navi Mumbai, Maharashtra, and the language of arbitration shall be English.
Grievance Redressal
For any complaints, grievances, or concerns regarding the Website or services, please contact:
Grievance Officer:
Email: help@dhanyana.com
Response Time: We endeavor to acknowledge all grievances within 48 hours and resolve them within 15 working days.
For complaints regarding financial professionals connected through our platform, users may also approach the relevant regulatory bodies:
SEBI: SCORES portal (https://scores.sebi.gov.in) or SEBI Toll-Free Helpline: 1800227575
IRDAI: IGMS portal (https://irdai.gov.in/igms1) or IRDAI Toll-Free Number: 155255
Changes to These Terms
We reserve the right to modify or update these Terms at any time at our sole discretion. Changes will be effective immediately upon posting to the Website with an updated “Last Updated” date. Your continued use of the Website after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.
Waiver
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by Dhan Yana.
Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices or policies published on the Website, constitute the entire agreement between you and Dhan Yana regarding your use of the Website and supersede all prior agreements and understandings.
Contact Us
If you have any questions, concerns, or feedback regarding these Terms and Conditions,
please contact us at:
Email: help@dhanyana.com
Website: www.dhanyana.com
By using dhanyana.com, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.
Important Regulatory Links:
SEBI: www.sebi.gov.in
IRDAI: www.irdai.gov.in
IRDAI Policyholder Portal: www.policyholder.gov.in
AMFI: www.amfiindia.com