1. Acceptance of Terms
By accessing or using universalmoneymart.com (the "Website"), operated by Universal Money Mart (Partners: Vignesh Dhayalan & Ramya), you agree to be bound by these Terms & Conditions and our Rules & Regulations below. If you do not agree, please discontinue use of the Website.
2. Nature of Services
Universal Money Mart provides (a) Mutual Fund distribution and investment education services through Vignesh Dhayalan, an AMFI-Registered Mutual Fund Distributor (ARN 288927, EUIN E543710), and (b) private business consultancy and citizen-documentation facilitation services (GST, MSME/Udyam, ITR, PAN, Passport, and related filings) through Ramya. These are two distinct service lines and are not to be confused with each other.
3. Rules & Regulations
- Users must provide accurate, complete, and truthful information when submitting any form, WhatsApp message, or document for a compliance/documentation service. We are not liable for delays, rejections, or errors arising from inaccurate information provided by the client.
- Mutual Fund transactions are always executed through official, SEBI/AMFI-approved channels (AMC websites, RTAs, or approved apps) — never through informal payment to an individual.
- Government service facilitation (PAN, Passport, GST, etc.) is limited to documentation assistance and advisory; the final approval, processing, and timelines rest solely with the relevant government department/authority, over which we have no control.
- Any professional/service fees charged are for facilitation and advisory effort, not for guaranteeing a government outcome (such as approval of an application).
- Content (videos, blog articles, calculators) may not be reproduced, redistributed, or resold without written permission.
- We reserve the right to decline service to any client where the request appears fraudulent, illegal, or outside our stated scope of services.
4. Fees, Payments, Cancellation & Refunds
Where applicable, service fees are communicated upfront, in writing (WhatsApp/email), before work begins — including the professional/facilitation fee and, separately, any statutory/government fee payable to the relevant department.
- Cancellation before work begins: If you cancel a request before any document preparation, filing, or consultation has started, the full professional fee paid is refunded within 7 business days.
- Cancellation after work has commenced: Once document preparation, filing, or a paid consultation has started, the professional fee already paid is non-refundable, as it reflects effort and time already spent on your request.
- Statutory / Government fees: Any government fee, stamp duty, or statutory charge paid on your behalf to a government department (e.g., GST portal, Passport Seva, NSDL/UTIITSL for PAN) is collected by that department directly and is never refundable by us once paid — refund of such fees, if any, is governed solely by that department's own rules.
- Service not initiated due to our error: If a service could not be started because of an error on our part, a full refund or fee waiver will be issued — please raise this via WhatsApp or email within 7 days of payment.
- Government rejection or delay: If a government department rejects or delays an application for reasons outside our control (incomplete borrower-supplied information, department backlog, policy change, etc.), the professional facilitation fee already earned for work done remains non-refundable, though we will assist with resubmission or corrections at no extra facilitation charge where the issue was on our end.
- Refund mode & timeline: Approved refunds are processed to the original payment method (UPI/bank transfer/card) within 7 business days of approval.
- Mutual Fund transactions: This refund policy applies only to our advisory/facilitation fees. Mutual Fund investments themselves follow the redemption and exit-load rules of the respective AMC/scheme, not this policy.
To request a cancellation or refund, contact us via WhatsApp at +91 7200752628 or email universalmoneymart@gmail.com, mentioning your name and the service requested.
5. Limitation of Liability
Universal Money Mart, Vignesh Dhayalan, and Ramya shall not be liable for any indirect, incidental, or consequential loss arising from use of this Website, its tools, or its facilitation services, including delays or rejections by government departments or financial institutions beyond our control.
6. Governing Law
These Terms are governed by the laws of India, with courts in Bangalore, Karnataka having exclusive jurisdiction.
7. Changes to Terms
We may update these Terms & Conditions and Rules & Regulations from time to time. Continued use of the Website after changes constitutes acceptance of the revised terms.
8. Contact
For questions about these Terms & Conditions, reach us via WhatsApp at +91 7200752628 or email universalmoneymart@gmail.com.
