1. Who We Are

• Financial Doctors Room is a third-party service provider offering free, expert-led financial counselling and planning support.

• We assist clients with:

  • Insurance (Life, Health, General)

  • Mutual Funds & SIPs (Systematic Investment Plans)

  • Loan-related guidance (Home, Personal, Business Loans)

  • Basic and advanced financial & investment planning

2. Certified Experts, Not Sales Agents

• All client interactions are handled by IRDAI-certified professionals or other certified financial experts.

• Our advisors are qualified to explain, guide, and clarify, but not to push or sell.

• We do not directly sell any financial products, nor do we act as a distributor or underwriter.

3. Free Service – No Charges, No Commission from Clients

• Our services, including phone consultations, home visits, and guidance sessions, are offered completely free of cost to the client.

• We do not charge any consultation fee, visit fee, or hidden service cost.

4. Non-Obligatory & Pressure-Free Discussions

• Our approach is purely educational and supportive.

• Clients are under no obligation to buy, apply for, or subscribe to any product or service after speaking with us.

• The final decision is always left to the client, without any persuasion or pressure.

5. Objective: Perfect & Clear Financial Guidance

• Our core duty is to provide accurate, unbiased, and personalized financial guidance based on the client’s needs, goals, income, and risk profile.

• We help clients understand:

  • What financial products mean

  • How they work

  • Whether they align with their goals

  • Possible benefits and risks involved

• We believe in clarity before commitment — every client should make fully informed decisions.

6. Representation on Behalf of Registered Institutions

• We work in coordination with authorized banks, NBFCs, insurance companies, and mutual fund houses to provide accurate product information.

• We act as information and service facilitators, helping clients navigate options from legitimate and licensed institutions.

7. Use of Client Data

• Any data shared by clients is used strictly to respond to their enquiry and to facilitate expert interaction or appointment scheduling.

• We do not sell, share, or misuse personal data.

• We follow all relevant data privacy and confidentiality standards.

8. No Guarantee, No Liability

• While our certified experts strive to provide the most accurate and updated information, we do not guarantee returns or specific outcomes.

• Clients are advised to verify all details and take independent decisions before entering any agreement with a financial institution.

• Financial Doctors Room holds no liability for decisions made by the client based on the information provided.

9. Client Acknowledgement

By submitting an enquiry or using our services, clients agree to and understand that:

• Our services are free, professional, and non-obligatory.

• Our representatives are certified but not acting as product sellers.

• The choice to invest, purchase, or engage with any financial institution rests solely with the client.

This declaration stands as a reflection of our values: integrity, transparency, clarity, and service-first guidance.