Statutory Disclaimers

NidhiSetu Pranali provides independent insurance comparison and claims guardianship assistance. However:

• • No Underwriting Authority: Acceptance or rejection of an insurance proposal, determination of premium loadings, waiting periods, and room-rent eligibility are at the sole discretion of the underwriting insurance company.
• • No Claim Settlement Guarantee: Settlement of hospitalization claims, cashless approvals, or reimbursement amounts is determined exclusively by the insurer/TPA based on the policy wording, medical history, and pre-existing disease disclosures.
• • Exclusions & Sub-limits: Every policy has standard exclusions (e.g., cosmetic surgery, self-inflicted injury, unproven treatments) and waiting periods (initial 30-day waiting period, 24-month specific ailments waiting period, and pre-existing conditions waiting period). Please review policy clauses before concluding purchase.

When accessing mutual fund information or setting up Systematic Investment Plans (SIP):

NidhiSetu Pranali operates as an AMFI-registered Mutual Fund Distributor (MFD) and an insurance advisory facilitator.

In accordance with regulatory disclosure norms:

• • As a distributor, NidhiSetu receives statutory commission / brokerage from Asset Management Companies (AMCs) for distribution of Regular Plan mutual fund schemes, and commission from Insurance Companies as regulated by IRDAI.
• • Our recommendations are guided strictly by client goals, suitability, and risk appetite, adhering to the AMFI Code of Conduct.
• • Details of commission rates across asset classes are available upon client request.

Calculators available on this platform (such as SIP Calculators, Retirement Planners, Term Cover Estimators, and Premium Indicators) are designed purely to provide mathematical illustrations based on user-supplied variables and assumed growth rates.

They do not guarantee that your portfolio or premiums will perform at the simulated figures. Actual returns depend on market realisations, taxation, fund expense ratios, and underwriting risk evaluation.

Any mention of income tax deductions under Section 80D (Health Insurance), Section 80C (Life Insurance / ELSS Mutual Funds), or Section 10(10D) (Maturity proceeds) is based on the provisions of the Income Tax Act, 1961 as applicable for the prevailing assessment year.

Tax benefits depend on the individual taxpayer's chosen tax regime (Old vs. New Tax Regime under Section 115BAC) and individual tax status. You should consult a qualified Chartered Accountant (CA) or tax advisor before making tax-related financial commitments.

All third-party trademarks, company names, logos, and emblems displayed on this platform (including but not limited to Star Health, Care Health, HDFC ERGO, ICICI Lombard, Niva Bupa, Tata AIG, SBI Mutual Fund, Nippon India Mutual Fund, ICICI Prudential Mutual Fund, etc.) are the registered intellectual property of their respective corporate owners.

Their display on this platform is purely nominative to indicate insurance and mutual fund schemes facilitated through our advisory network.

NidhiSetu Pranali deals strictly in legitimate financial products authorized by statutory Indian regulators (IRDAI, SEBI, RBI).

If you require clarification on any regulatory disclosure or wish to verify our distributor credentials: