Terms of Service

Effective Date: October 1, 2026

Last Updated: October 1, 2026

Welcome to Shreemat Artham Private Limited. These Terms and Conditions (“Terms”, “Agreement”) govern your access to and use of our website located at https://shreemat.com, as well as our financial advisory consultations, mutual fund distribution assistance, insurance advisory, and claim recovery support services.

By accessing our Website, scheduling an advisory session, or executing any electronic payment on our platform, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms and our Privacy Policy. If you disagree with any part of these Terms, you must discontinue your use of our platform and services immediately.

Nature of Services

Shreemat Artham Private Limited provides professional facilitation and advisory solutions in the following domains:

Mutual Fund Investments: Facilitation and portfolio structuring across regulated Asset Management Companies (AMCs).
Life & Non-Life Insurance Products: Comparative advisory and policy enrollment across multiple authorized insurance underwriters.
Claim Settlement Recovery: Representation, documentation review, and formal re-filing support for policyholders whose legitimate insurance claims were rejected or disputed by insurance providers without satisfactory resolution.

Payment Processing & Gateway Integration

To ensure secure and compliant digital transactions, all electronic payments on our Website are processed through Razorpay.

Payment Authorization: By submitting payment through the integrated gateway, you authorize us and our partner Razorpay to charge the full invoiced amount to your selected payment method (UPI, Debit Card, Credit Card, Net Banking, or supported Wallets).
Data Security: Shreemat Artham Private Limited does not store or process your complete card numbers, CVV, or banking PINs. Payment security conforms to PCI DSS standards maintained by Razorpay.
Currency & Invoicing: All pricing, fee retainers, and consultation charges are quoted and billed in Indian National Rupees (INR), inclusive of applicable Goods and Services Tax (GST) as mandated by Indian law.

Cancellation & Refund Policy

This policy outlines the explicit requirements and operational timelines for service cancellations, refunds, and duplicate charges in accordance with Razorpay Merchant Guidelines.

A. Cancellation Guidelines

Consultation & Advisory Appointments: You may cancel or reschedule a scheduled financial advisory session up to 24 hours prior to the booked time by notifying us via email at shreemat.artham@gmail.com or calling +91 8981 833 063. Cancellations made within 24 hours of the appointment or missed appointments are non-refundable.
Claim Recovery Retainer Engagements: You may cancel a claim recovery audit request within 48 hours of initial payment, provided our legal and claims assessment team has not already issued the formal diagnostic audit or initiated official communications with the insurer. Once our formal audit report is delivered or filings commence, cancellation cannot be accommodated.

B. Refund Eligibility & Exceptions

Eligible for Full Refund:
1. Duplicate or multiple debits for the exact same invoice resulting from technical network glitches or gateway timeouts.
2. Cancellation requests submitted within the eligible time frames defined above.
3. Inability on our part to deliver the contracted advisory service due to unforeseen operational failures.
Non-Refundable Services:
1. Claim recovery audit fees once work has commenced and document review has been completed.
2. Statutory fees, stamp duties, government filing expenses, or third-party documentation charges already disbursed on your behalf.
3. Performance-based success fees paid upon the successful recovery or settlement of your insurance claim.

C. Refund Processing Timelines & Modes

Initiation: Approved refund requests are verified and initiated through the Razorpay Dashboard within 2 working days of verification.
Credit Timelines: Once initiated, the refunded amount is credited strictly back to the original payment source (card, bank account, or UPI handle). Depending on your issuing bank or payment network, processing typically takes:
- UPI: 2 to 7 business days
- Net Banking: 2 to 10 business days
- Credit / Debit Cards: 5 to 10 business days
- Wallets: 0 to 3 business days
Tracking: Customers receive an automated confirmation email from Razorpay with a Refund Reference Number upon initiation.

Financial Regulatory Disclaimers

Mutual Funds: Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Historical returns do not guarantee future performance.
Insurance Products: Insurance is a subject matter of solicitation. The issuance of any policy is subject to underwriting approval by the respective insurer.
Claim Recovery: Shreemat Artham Private Limited acts as an advisory representative and claim advocate. While our team applies procedural and legal expertise to dispute wrongful rejections, final claim approvals remain within the legal authority of the respective insurance company, the Insurance Ombudsman, or competent consumer dispute forums.

User Conduct & Obligations

When utilizing our platform or uploading documents, you agree:

To furnish authentic, accurate, and up-to-date personal, financial, and policy records.
Not to submit fraudulent medical bills, forged identity proofs, or deceptive claim materials.
Not to misuse the Website to transmit malicious code, attempt unauthorized server access, or scrape intellectual property.

Limitation of Liability

To the fullest extent permitted by law, Shreemat Artham Private Limited and its directors, officers, and employees shall not be liable for any indirect, incidental, special, or consequential damages resulting from market volatility, investment value depreciation, insurer delays, or third-party gateway downtime. Our aggregate liability for any direct claim arising under our advisory contract shall be strictly capped at the total professional advisory fees paid by you for the specific service in dispute.

Governing Law & Jurisdiction

These Terms and Conditions shall be governed by and construed under the laws of India. Any legal dispute, claim, or difference arising out of or relating to these Terms or payments made on this Website shall be subject to the exclusive jurisdiction of the competent courts situated in Howrah / Kolkata, West Bengal.

Grievance Redressal & Contact

In compliance with the Information Technology Act and payment settlement requirements, please direct any service issues, payment queries, or refund follow-ups to our dedicated nodal officer:

Attn: Grievance Officer, Shreemat Artham Private Limited
Address: 52/1, Dr. Abani Dutta Road, Howrah 711101, WB-IN
Email: shreemat.artham@gmail.com
Phone: +91 8981 833 063
Support Hours: Monday to Saturday, 10:00 AM – 6:00 PM IST

Company Information