1. Nature of Services
VB Abundance provides financial advisory services including, but not limited to, financial planning, investment guidance, portfolio review, loan consultation, and related advisory services. All services are offered based on information provided by the client and prevailing market conditions.

2. No Guarantee of Returns
All investments are subject to market risks. Past performance does not guarantee future results. VB Abundance does not assure or guarantee any specific returns, profits, or financial outcomes.

3. Client Responsibility
Clients are responsible for providing accurate, complete, and updated personal and financial information. VB Abundance shall not be liable for any losses arising from incorrect or incomplete information provided by the client.

4. Advisory Disclaimer
The advice provided is based on professional judgment, financial data, and market analysis at the time of consultation. Financial markets are volatile, and conditions may change without notice.

5. Third-Party Products & Services
VB Abundance may recommend third-party financial products or services. We are not responsible for the performance, terms, or policies of third-party institutions, including banks, NBFCs, AMCs, or insurance providers.

6. Confidentiality
All client information is kept strictly confidential and used only for providing advisory services, except where disclosure is required by law or regulatory authorities.

7. Fees & Charges
Service fees, if applicable, will be communicated clearly before engagement. Any government charges, taxes, or third-party fees are payable by the client and are not included unless specified.

8. Limitation of Liability
VB Abundance shall not be held liable for any direct, indirect, incidental, or consequential losses arising from the use of our services, website, or reliance on financial advice.

9. Regulatory Compliance
Clients are advised to comply with all applicable financial, tax, and legal regulations. VB Abundance does not provide legal or tax filing services unless explicitly stated.

10. Intellectual Property
All content on this website, including text, graphics, logos, and designs, is the intellectual property of VB Abundance and may not be reproduced without written permission.

11. Modification of Terms
VB Abundance reserves the right to modify these Terms & Conditions at any time without prior notice. Continued use of the website or services constitutes acceptance of the revised terms.

12. Governing Law
These Terms & Conditions shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the jurisdiction of courts in Coimbatore, Tamil Nadu.