# Terms of Service — Arthum Wealth Services

*Last updated: May 2026*

1. **About us** — Arthum Wealth Services is the trade name under which Utkarsh Agrawal, AMFI Registered MFD (ARN-360064), provides distribution and advisory for mutual funds, insurance, NPS, FDs, and loans against MF.
2. **Acceptance** — using www.arthumwealth.com constitutes acceptance.
3. **Nature of services** — MF distribution as AMFI MFD (not a SEBI-registered Investment Advisor). Insurance via licensed insurer partners. NPS/FDs via regulated platforms. Loans via partner lenders.
4. **Risk disclosure** — MF investments subject to market risks. Read scheme documents. Past performance not indicative. Insurance is the subject matter of solicitation. Tax benefits per current law.
5. **No guaranteed returns** — nothing on the site is a promise of returns.
6. **Educational content** — articles/case studies are general info, not personalised advice.
7. **Intellectual property** — content owned by Arthum unless stated; share with attribution only.
8. **External links** — not responsible for third-party content/practices.
9. **Limitation of liability** — to max extent of law, no liability for indirect/incidental/consequential losses.
10. **Jurisdiction** — laws of India; exclusive jurisdiction in Indian courts.
11. **Contact** — utkarsh.agrawal777@gmail.com · +91 95956 11222.