Last Updated: March 2026
Welcome to Aarthiki.com. By accessing or using this website, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully.
1. Acceptance of Terms
By accessing this website, you agree to be legally bound by these Terms and Conditions, our Privacy Policy, and any applicable laws and regulations.
2. Use of Website
- The content on Aarthiki.com is for informational and educational purposes only.
- You agree not to misuse the website or engage in any unlawful activities.
- You must not attempt to gain unauthorized access to any part of the website.
3. Financial Disclaimer
Aarthiki.com provides general financial information related to insurance, loans, and personal finance.
- We are not a financial advisor.
- The content should not be considered professional financial advice.
- Users are advised to consult certified financial professionals before making decisions.
4. Intellectual Property Rights
- All content, including text, graphics, logos, and images, is the property of Aarthiki.com unless otherwise stated.
- Unauthorized use, reproduction, or distribution is strictly prohibited.
5. User Responsibilities
- You agree to provide accurate information when interacting with the website.
- You are responsible for maintaining the confidentiality of any personal data you share.
6. Third-Party Links
- The website may contain links to third-party websites.
- We are not responsible for the content, policies, or practices of these external sites.
7. Limitation of Liability
- Aarthiki.com shall not be held liable for any direct, indirect, or consequential damages arising from the use of this website.
- We do not guarantee the accuracy or completeness of information.
8. Privacy Policy
Your use of the website is also governed by our Privacy Policy, which explains how we collect and use your data.
9. Modifications to Terms
We reserve the right to update or modify these Terms at any time without prior notice. Continued use of the website means you accept the updated terms.
10. Termination
We may suspend or terminate access to the website at our discretion, without notice, for conduct that violates these Terms.
11. Governing Law
These Terms and Conditions are governed by the laws of India. Any disputes shall be subject to the jurisdiction of Indian courts.
12. Contact Information
If you have any questions regarding these Terms and Conditions, you can contact us at:
Email: namaste@aarthiki.com
14. Compliance with Indian IT Laws
Aarthiki.com complies with applicable Indian laws including:
- Information Technology Act, 2000
- Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
By using this website:
- You consent to the collection and use of information as described in our Privacy Policy.
- We take reasonable steps to protect your personal information.
- We do not knowingly collect sensitive personal data unless explicitly provided by the user.
15. Affiliate Disclosure
- Aarthiki.com may participate in affiliate marketing programs.
- This means we may earn commissions when users click on links or purchase products/services through our links.
- These commissions come at no additional cost to you.
- We only recommend products/services that we believe provide value to users.
- However, users should independently verify information before making financial decisions.
16. Loans and Insurance Content Disclaimer
Content related to loans, credit cards, insurance, and financial products:
- Is for informational and educational purposes only.
- Does not constitute financial, legal, or investment advice.
- Terms such as interest rates, premiums, eligibility, and benefits may change without notice.
- Actual offers may vary based on user profile, credit score, and financial institution policies.
Users are strongly advised to:
- Verify details directly with banks, NBFCs, or insurance providers.
- Read official policy documents and loan agreements carefully.
- Consult licensed financial advisors before making decisions.
Aarthiki.com shall not be responsible for:
- Rejection of applications
- Changes in product terms
- Any financial loss arising from reliance on website content
By using Aarthiki.com, you acknowledge that you have read, understood, and agree to these Terms and Conditions.