Terms and Conditions

1. About Us

Twins Consultancy, based in Karur, Tamil Nadu, is a financial solutions provider specializing in insurance, loans, investments, and personal financial planning. With 15+ years of expertise and 25+ professionals, we aim to offer ethical and personalized services to individuals and businesses.

2. Website Usage

By using this website, you agree to:

• Use it lawfully and responsibly
• Not try to access restricted areas
• Not impersonate others
• Not upload malicious content like viruses

We reserve the right to suspend or block access without notice in case of violations.

3. Service Information & Advice Disclaimer

The content on our site is for general information only and does not constitute financial, legal, or investment advice. Please consult with our experts before making decisions. We are not responsible for decisions based solely on site content.

4. Eligibility

• You must be 18 or older
• Provide truthful, complete information
• Use the services legally for personal/business use

5. Client Responsibility

• Provide accurate and updated info
• Keep communications confidential
• Review all shared documents
• Make timely decisions

We are not liable for delays or losses from incorrect client information.

6. External Links

We may include links to third-party sites for your convenience. We are not responsible for their content or policies. Please review their terms before interacting with them.

7. Intellectual Property

All site content is owned by Twins Consultancy or content partners and protected by intellectual property laws. Reproduction or modification without permission is prohibited.

8. Privacy & Data Use

Your use of our services is subject to our Privacy Policy, which explains how we collect and safeguard your personal data.

9. Limitation of Liability

• We do our best but are not liable for inaccuracies or errors
• We are not responsible for downtime or third-party failures
• Use our services at your own risk

10. Indemnification

You agree to indemnify and hold harmless Twins Consultancy, its team, and partners from any claims or liabilities due to your use of our site or breach of these terms.

11. Changes to Terms

We may update these Terms as needed. Continued use of our website means you accept the updated terms.

12. Termination

We may suspend or terminate access to our services at our sole discretion if any term or law is violated.

13. Governing Law

These Terms are governed by the laws of the Republic of India. Any disputes will be resolved under the jurisdiction of Karur, Tamil Nadu.

14. Contact Information