1) Introduction

Welcome to KulRakshak ("we," "our," "us," or "Company"). These Terms and Conditions ("Terms") govern your access to and use of the website located at https://kulrakshak.com (the "Website") and the services provided by KulRakshak, including but not limited to legacy planning, asset recovery, claim assistance, nominee assistance, secure digital vault, and all related consultation, documentation, and advisory services (collectively, the "Services").

KulRakshak is a financial protection and legacy planning company dedicated to helping individuals and families secure, preserve, and pass on their wealth, assets, and important records. We provide trusted guidance, structured processes, and secure systems to ensure that nothing valuable is lost or overlooked across generations.

KulRakshak is operated from Plot 89, Sector 44, Gurugram, Haryana – 122018, India. For any queries or communications, you may reach us at info@kulrakshak.com or +91 9990184509.

By using the Website or any of our Services, you confirm that you accept these Terms and agree to comply with them. These Terms apply to all visitors, users, clients, and others who access or use the Website or Services. If you do not agree with any part of these Terms, you must not use the Website or our Services.

2) Definitions

For the purposes of these Terms, the following definitions shall apply throughout this document:

3) Eligibility

You must be at least 18 years of age and legally competent to enter into a binding agreement under the Indian Contract Act, 1872, to use our Services. By accessing the Website and using the Services, you represent and warrant that you meet these eligibility requirements and have the legal capacity to be bound by these Terms.

If you are accessing the Website or Services on behalf of a company, organization, trust, Hindu Undivided Family (HUF), or any other legal entity, you represent and warrant that you have the requisite authority to bind such entity to these Terms. In such cases, the terms "you" and "your" shall refer to both you individually and the entity you represent.

We reserve the right to refuse service, terminate accounts, or restrict access to anyone who does not meet our eligibility criteria or who we believe, in our sole discretion, has violated these Terms.

4) Description of Services

KulRakshak provides a comprehensive suite of financial protection, asset management, and legacy planning services designed for individuals and families across India. Our core services include:

Important: KulRakshak does not provide legal advice, tax advice, or regulated financial advisory services. Where specialized advice is required, we may assist in coordinating with relevant qualified professionals. We also do not represent clients in court or act as legal counsel. Recovery outcomes depend on the nature of the asset, applicable regulations, third-party cooperation, and the availability of supporting documentation — and are not guaranteed.

The scope, nature, and availability of Services may change from time to time at our sole discretion. KulRakshak reserves the right to modify, enhance, suspend, or discontinue any Service, feature, or functionality without prior notice. We will make reasonable efforts to communicate significant changes to existing clients.

5) User Accounts & Registration

Certain features of the Website and Services may require you to create a user account. When registering, you agree to provide accurate, current, and complete information as prompted by the registration process and to update such information promptly to keep it accurate, current, and complete.

You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree not to share your account credentials with any third party and to notify us immediately at info@kulrakshak.com if you become aware of or suspect any unauthorized use of your account or any other breach of security.

You acknowledge and agree that you are fully responsible for all activities that occur under your account, whether or not authorized by you. KulRakshak shall not be liable for any loss or damage arising from your failure to safeguard your account credentials.

We reserve the right to suspend, deactivate, or terminate your account at our sole discretion if any information provided during registration or thereafter is found to be inaccurate, incomplete, misleading, or if your account is associated with any violation of these Terms. You may request the deletion of your account by contacting us in writing.

6) Acceptable Use Policy

You agree to use the Website and Services only for lawful purposes and in accordance with these Terms. In connection with your use of the Website and Services, you shall not:

KulRakshak reserves the right to investigate and take appropriate legal action against anyone who violates this provision, including reporting violations to law enforcement authorities and suspending or terminating the violator's account.

7) Fees & Payments

Certain Services offered by KulRakshak may be subject to fees. All applicable fees, charges, and payment terms will be communicated to you clearly prior to the commencement of any paid Service and will be outlined in a separate service agreement, engagement letter, or invoice, as applicable.

All fees are quoted in Indian Rupees (INR) unless otherwise stated. Fees are inclusive of applicable Goods and Services Tax (GST) unless explicitly mentioned otherwise. You are responsible for any additional bank charges, transaction fees, or currency conversion costs that may apply to your payment.

Payments shall be made through the methods specified by KulRakshak, which may include bank transfer, UPI, net banking, credit or debit cards, or other electronic payment methods. All payments must be made in full by the due date specified in the invoice or agreement.

Failure to make timely payments may result in the imposition of late payment charges, suspension of ongoing Services, or termination of the service engagement. KulRakshak reserves the right to engage third-party collection agencies or take legal action to recover overdue amounts.

We reserve the right to revise our fee structure at any time. Changes to fees for ongoing service engagements will be communicated with at least thirty (30) days' prior written notice. Continued use of the Services after any fee change takes effect constitutes your agreement to pay the updated fees.

8) Intellectual Property Rights

All content on the Website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, software, and the overall design, selection, and arrangement thereof (collectively, "Content"), is the exclusive property of KulRakshak or its content suppliers and is protected by Indian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

The KulRakshak name, logo, tagline, and all related names, logos, product and service names, designs, slogans, and visual identities are trademarks and trade dress of KulRakshak. You must not use such marks without our prior written permission. All other trademarks, product names, and logos appearing on the Website are the property of their respective owners.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Website and its Content for personal, non-commercial purposes only, subject to these Terms. This license does not include the right to modify, reproduce, distribute, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any Content, except as incidentally necessary for normal web browsing.

Any unauthorized use of the Content or any intellectual property owned by KulRakshak may violate copyright, trademark, and other applicable laws and could result in criminal or civil penalties. KulRakshak reserves the right to take legal action to protect its intellectual property rights.

9) Privacy & Data Protection

Your use of the Website and Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. We encourage you to read our Privacy Policy carefully to understand our practices regarding the collection, use, storage, processing, and protection of your personal information.

We collect and process personal data only for legitimate purposes related to providing the Services, including identity verification, service delivery, communication, compliance with legal obligations, and improving service quality. We do not sell, trade, or rent your personal information to third parties for marketing purposes.

By using our Services, you consent to the collection and use of your information as described in our Privacy Policy and in accordance with applicable data protection laws of India, including the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 (to the extent applicable and notified).

10) Confidentiality

KulRakshak recognizes the highly sensitive nature of the information entrusted to us by our clients. We treat all client information with the utmost level of confidentiality and have established rigorous protocols to protect it.

All Confidential Information shared by you — including financial records, asset portfolios, insurance details, nominee information, personal identification documents, succession plans, and any other sensitive data — will be handled in strict confidence and used solely for the purpose of providing the Services.

Only authorized personnel within KulRakshak, who are bound by confidentiality obligations, will have access to your Confidential Information. Such access will be limited to the minimum necessary to perform their duties and deliver the Services effectively.

We will not disclose your Confidential Information to any third party except: (a) as required by applicable law, regulation, court order, or government directive; (b) with your prior written consent; (c) to our professional advisors who are bound by confidentiality obligations; or (d) in connection with a merger, acquisition, or sale of assets, provided the receiving party assumes equivalent confidentiality obligations.

Our confidentiality obligations shall survive the termination of your engagement with KulRakshak and shall remain in effect for as long as the information retains its confidential nature.

11) Secure Digital Vault — Specific Terms

The Secure Digital Vault is a feature provided by KulRakshak that allows you to store, organize, and manage important documents and records in a protected digital environment. The following additional terms apply specifically to the use of the Digital Vault:

12) Service Availability & Maintenance

KulRakshak strives to ensure that the Website and Services are available at all times. However, we do not guarantee uninterrupted or error-free access. The Website or certain Services may be temporarily unavailable due to scheduled maintenance, system upgrades, technical issues, or circumstances beyond our control.

We reserve the right to modify, suspend, or discontinue the Website or any feature, functionality, or Service at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Website or Services.

In the event of planned maintenance or downtime that may significantly impact your access to the Services, we will make reasonable efforts to provide advance notice through the Website, email, or other appropriate channels.

13) Disclaimers

The information provided on the Website and through the Services is for general informational, educational, and guidance purposes only. KulRakshak is not a law firm, chartered accountancy firm, or licensed financial advisory institution. We do not provide legal advice, tax advice, or regulated financial advisory services.

Where specialized legal, tax, or financial advice is required, KulRakshak may assist in coordinating with relevant qualified professionals, but does not itself act as a legal or financial advisor. Any information or guidance provided by KulRakshak should not be construed as a substitute for professional legal, tax, or financial advice.

The Website and Services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, or completeness.

KulRakshak does not warrant that: (a) the Website will be uninterrupted, timely, secure, or error-free; (b) the results obtained from the use of the Services will be accurate, reliable, or complete; (c) the quality of any Services, information, or other material obtained through the Website will meet your expectations; or (d) any errors in the Website or Services will be corrected.

KulRakshak does not guarantee specific outcomes from the use of our Services. In particular, we do not guarantee the successful recovery of any assets, the approval of any claims, or the achievement of any particular financial result. Outcomes depend on various factors including the nature of the asset, applicable regulations, third-party cooperation, and the availability and accuracy of supporting documentation.

14) Limitation of Liability

To the maximum extent permitted by applicable law, KulRakshak, its directors, officers, employees, partners, agents, contractors, affiliates, and licensors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, revenue, data, goodwill, business opportunity, or other intangible losses, arising out of or in connection with:

In no event shall KulRakshak's total aggregate liability to you for all claims arising out of or related to these Terms, the Website, or the Services exceed the total amount actually paid by you to KulRakshak for the specific Service giving rise to the claim in the twelve (12) months immediately preceding the event that gave rise to the liability.

Nothing in these Terms shall exclude or limit liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be excluded or limited under applicable Indian law.

15) Indemnification

You agree to indemnify, defend, and hold harmless KulRakshak, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and legal costs) arising out of or in any way connected with:

This indemnification obligation shall survive the termination of these Terms and your use of the Website and Services.

16) Third-Party Links & Services

The Website may contain links to third-party websites, applications, services, or resources that are not owned, controlled, or operated by KulRakshak. These links are provided solely for your convenience and informational purposes.

KulRakshak has no control over, and assumes no responsibility for, the content, privacy policies, terms of service, or practices of any third-party websites, applications, or services. We do not endorse, warrant, or make any representations about the accuracy, reliability, or completeness of any content available on or through such third-party platforms.

Your use of any third-party websites, applications, or services is entirely at your own risk and subject to the terms and conditions and privacy policies of such third parties. We strongly encourage you to read the terms and conditions and privacy policy of every third-party platform that you visit or engage with.

KulRakshak shall not be liable for any loss or damage, direct or indirect, arising from your use of or reliance on any third-party websites, applications, services, or content linked from the Website.

17) Communication & Notifications

By creating an account or providing your contact information, you consent to receive communications from KulRakshak, including service-related emails, transactional notifications, updates regarding your account or Services, newsletters, and promotional materials.

Service-related communications are essential for the delivery of Services and cannot be opted out of while you maintain an active account. You may opt out of promotional or marketing communications at any time by following the unsubscribe instructions included in such communications or by contacting us at info@kulrakshak.com.

KulRakshak may communicate with you through email, SMS, phone calls, WhatsApp, push notifications, or in-app messages. It is your responsibility to ensure that your contact information on file is accurate and up to date. We shall not be liable for any failure in communication resulting from inaccurate or outdated contact information provided by you.

Any formal notices required under these Terms shall be sent in writing to the contact details provided herein. Notices sent by email shall be deemed received on the date of transmission, and notices sent by post shall be deemed received within seven (7) business days of dispatch.

18) Termination

We may terminate or suspend your access to the Website and Services, in whole or in part, at any time and for any reason, including but not limited to a breach of these Terms, fraudulent activity, non-payment of fees, or any conduct that we deem harmful, disruptive, or inappropriate — without prior notice or liability to you.

You may terminate your account at any time by submitting a written request to info@kulrakshak.com. Termination of your account does not relieve you of any obligations arising prior to such termination, including outstanding payment obligations. We will make reasonable efforts to respond to your termination request within fifteen (15) business days.

Following account termination, KulRakshak will handle your data in accordance with our Privacy Policy and applicable data retention laws. Where possible, we will provide you with an opportunity to export or retrieve your data prior to permanent deletion.

19) Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of India, without regard to its conflict of law principles.

Subject to the arbitration clause above, the courts of competent jurisdiction in Gurugram, Haryana, India shall have exclusive jurisdiction over any proceedings relating to these Terms or arising from your use of the Website or Services.

Nothing in this clause shall prevent either party from seeking interim or injunctive relief from a court of competent jurisdiction where necessary to prevent irreparable harm pending the outcome of arbitration.

20) Force Majeure

KulRakshak shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond its reasonable control ("Force Majeure Event"). Force Majeure Events include, but are not limited to:

In the event of a Force Majeure Event, KulRakshak shall use reasonable efforts to mitigate its effects and resume performance as soon as reasonably practicable. If a Force Majeure Event continues for more than ninety (90) consecutive days, either party may terminate the affected Services upon written notice to the other party.

21) Modifications to Terms

KulRakshak reserves the right to modify, amend, or replace these Terms at any time at its sole discretion. Any changes will be posted on this page with an updated "Last Updated" date at the top of the document. It is your responsibility to review these Terms periodically for any changes.

For material changes that significantly affect your rights or obligations, we will make reasonable efforts to provide notice through the Website, email, or other appropriate means at least fifteen (15) days before the changes take effect.

Your continued use of the Website or Services after the posting of any modifications constitutes your acceptance of such modifications. If you do not agree with the modified Terms, you should immediately discontinue your use of the Website and Services and contact us to terminate your account.

22) Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or tribunal of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving the original intent of the parties. If modification is not possible, the invalid provision shall be severed from these Terms. The invalidity, illegality, or unenforceability of any provision shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.

23) Waiver

No failure or delay by KulRakshak in exercising any right, power, or remedy under these Terms shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, power, or remedy preclude any other or further exercise thereof or the exercise of any other right, power, or remedy. All rights and remedies provided under these Terms are cumulative and not exclusive of any rights or remedies provided by law.

24) Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms, in whole or in part, without the prior written consent of KulRakshak. Any attempted assignment in violation of this provision shall be null and void.

KulRakshak may assign, transfer, or delegate its rights and obligations under these Terms, in whole or in part, to any affiliate, successor, or third party without your consent, provided that such assignee assumes equivalent obligations to those set forth in these Terms.

25) Entire Agreement

These Terms, together with the Privacy Policy, any applicable service agreements, engagement letters, and any other agreements or policies expressly referenced herein, constitute the entire agreement between you and KulRakshak with respect to the subject matter hereof. They supersede all prior or contemporaneous communications, representations, proposals, negotiations, understandings, and agreements, whether oral or written, between the parties relating to the same subject matter.

In the event of any conflict between these Terms and any separate service agreement or engagement letter, the terms of the specific service agreement shall prevail to the extent of the conflict, unless otherwise stated therein.

26) Grievance Redressal

In accordance with the Information Technology Act, 2000 and the rules made thereunder, if you have any complaints, concerns, or grievances regarding the Website, Services, Content, or these Terms, you may contact our designated Grievance Officer:

27) Contact Information

If you have any questions, concerns, feedback, or requests regarding these Terms and Conditions, our Services, or any other matter related to KulRakshak, please do not hesitate to contact us:

We value your trust and are committed to addressing all inquiries promptly and professionally.