TERMS, CONDITIONS AND DISCLAIMER

Effective Date: 30 September 2026
Last Updated: 30 September 2026

These Terms, Conditions and Disclaimer govern your access to and use of Mr.FinancialSurgeon websites, assessments, scorecards, webinars, masterclasses, financial-planning tools, applications, WhatsApp communities, educational resources, consultations and related services.

By using our website, submitting a form, joining a community, registering for an event, making a payment or accessing our services, you agree to these Terms.

If you do not agree, please do not use the relevant service.

1. About Mr.FinancialSurgeon

Mr.FinancialSurgeon is operated by:

Legal Entity: Industry Superstars
Registered Address: Bangalore, Karnataka, India
Email: info@mrfinancialsurgeon.com
Website: https://www.mrfinancialsurgeon.com/

2. Nature of Our Services

Depending on the programme or service selected, we may provide:

• General financial education;

• Financial-readiness assessments and scorecards;

• Webinars, masterclasses and workshops;

• Financial-planning checklists and roadmaps;

• Business-owner wealth education;

• Financial-planning applications and dashboards;

• Complimentary or paid clarity sessions;

• Access to communities and educational updates;

• Introductions to financial planners or other professionals; and

• Other services expressly described on the relevant registration or offer page.

The exact inclusions, duration, delivery method and fees will be those displayed on the applicable page or communicated to you during registration.

3. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use our paid services or submit financial information.

By using our services, you confirm that the information you provide is accurate and that you have the authority to provide it.

4. Registration and Communication

You agree to provide accurate contact and registration details.

When you register, you authorise us to send service-related communications through email, telephone, SMS or WhatsApp, including:

• Access details;

• Payment confirmations;

• Event reminders;

• Appointment information;

• Requested resources; and

• Important service updates.

Promotional communications will be sent in accordance with applicable consent requirements, and you may opt out at any time.

5. Fees and Payments

Prices are stated in Indian rupees unless otherwise specified.

Payments may be processed by independent payment providers. Their separate terms and privacy policies may apply.

You are responsible for:

• Providing accurate billing information;

• Ensuring that the selected payment method is authorised;

• Paying applicable fees and taxes; and

• Retaining transaction confirmations.

We are not responsible for delays or failures caused by banks, UPI providers, card networks or payment processors.

6. Cancellation and Refunds

Unless a specific offer page states otherwise:

• Registration fees reserve access to the selected event or service;

• Fees may be non-refundable once event access, digital resources, bonuses, community access or appointment benefits have been provided;

• Failure to attend a scheduled live event does not automatically create a right to a refund;

• We may, at our discretion, provide access to a recording, rescheduled session or alternative event where available; and

• If we cancel an event without offering a reasonable alternative, eligible participants will receive a refund of the amount paid for that event.

Nothing in this section limits rights that cannot lawfully be excluded under applicable consumer law.

Requests must be sent to info@mrfinancialsurgeon.com with the purchaser’s name, registered email address or telephone number and payment reference.

7. Complimentary Strategy or Clarity Calls

Where a complimentary call is included:

• The call is intended to provide general clarity regarding your stated situation;

• Availability may be subject to eligibility, scheduling and completion of requested information;

• The call does not guarantee that every issue can be addressed within the available time;

• The call does not create an ongoing advisory, fiduciary or professional relationship;

• No product purchase is required merely for attending the call; and

• Any subsequent service or product will require a separate explanation, consent and appropriate documentation.

8. Community Rules

When participating in a WhatsApp group or another community, you agree not to:

• Post spam, unauthorised promotions or referral links;

• Harass, threaten or discriminate against another participant;

• Share another person’s personal information without permission;

• Post misleading financial claims or guaranteed-return promotions;

• Upload malicious content;

• Copy or redistribute paid or proprietary resources; or

• Use members’ contact details for unsolicited commercial communication.

We may remove content or restrict community access where reasonably necessary to protect members or maintain the community’s purpose.

9. Intellectual Property

Unless otherwise stated, all website content, videos, recordings, assessment models, reports, checklists, frameworks, applications, graphics, training material, trademarks and downloadable resources belong to Industry Superstars, Mr.FinancialSurgeon or their licensors.

Your registration grants you a limited, personal, non-exclusive and non-transferable licence to use the material for your own learning and planning.

You may not, without written permission:

• Copy, reproduce or republish the material;

• Sell, licence or commercially exploit it;

• Share paid access credentials;

• Record a private session without consent;

• Modify or remove branding;

• Use our frameworks to create a competing commercial product; or

• Claim ownership of our intellectual property.

“Mr.FinancialSurgeon,” “WEALTHSUTRA,” “PROFITSUTRA” and associated logos, models and frameworks may be protected brand assets or trademarks.

10. Third-Party Services

We may use or link to third-party platforms for:

• Payments;

• Webinar delivery;

• Appointment scheduling;

• WhatsApp communication;

• Assessments;

• Email delivery;

• Analytics;

• Advertising; and

• Financial-planning tools.

We do not control the availability, security, content or policies of third-party services. Your use of those services may be governed by their separate terms and privacy policies.

11. Availability and Modifications

We aim to provide reliable access but do not guarantee uninterrupted or error-free availability.

We may reasonably:

• Update content or technology;

• Change speakers or delivery methods;

• Reschedule a session;

• Correct errors;

• Replace a bonus with an item of reasonably comparable value; or

• Suspend access for security, legal or operational reasons.

We will communicate material changes where reasonably practicable.

12. No Guaranteed Outcomes

Testimonials, examples, case studies and illustrations describe individual experiences. They do not represent a promise that you will obtain the same outcome.

We do not guarantee:

• Investment returns;

• Tax savings;

• Business growth;

• Increased income or profit;

• Retirement outcomes;

• Protection against every financial risk;

• Approval for any financial product;

• Appointment eligibility; or

• Any particular financial result.

Outcomes depend on personal circumstances, decisions, market conditions, implementation and factors outside our control.

13. Limitation of Liability

To the maximum extent permitted by law, Industry Superstars, Mr.FinancialSurgeon and their owners, employees, speakers, representatives and service providers will not be liable for indirect, incidental, special or consequential loss arising from:

• Reliance on general educational content;

• Investment or business decisions made without appropriate personalised advice;

• Market movements;

• Inaccurate information supplied by a user;

• Third-party platforms or products;

• Unauthorised access outside our reasonable control; or

• Temporary service interruptions.

Nothing in these Terms excludes liability that cannot lawfully be excluded.

14. Indemnity

You agree to indemnify Industry Superstars and Mr.FinancialSurgeon against reasonable losses, claims and expenses resulting from:

• Your unlawful use of the services;

• Your violation of these Terms;

• Your infringement of another person’s rights; or

• Information or content submitted by you in violation of law.

15. Termination

We may suspend or terminate access if you:

• Violate these Terms;

• Misuse the website or community;

• Share paid content without authorisation;

• Engage in abusive or fraudulent conduct; or

• Create a legal, security or reputational risk.

Provisions relating to intellectual property, disclaimers, liability and dispute resolution survive termination.

16. Governing Law and Jurisdiction

These Terms are governed by the laws of India.

Subject to any mandatory consumer rights, the courts located in Bangalore, Karnataka will have jurisdiction over disputes arising from these Terms or the services.

Before commencing formal proceedings, both parties should attempt in good faith to resolve the matter through written communication.

17. Changes to These Terms

We may update these Terms when our services, commercial arrangements or legal obligations change.

The latest version will be published with an updated revision date. Continued use after publication constitutes acceptance to the extent permitted by law.

FINANCIAL, INVESTMENT, TAX AND LEGAL DISCLAIMER

General Educational Information

Content provided by Mr.FinancialSurgeon through websites, assessments, webinars, communities, applications, reports, social media, videos, articles and downloadable resources is intended for general financial education and awareness.

It should not automatically be treated as personalised investment, financial, tax, accounting, insurance or legal advice.

No Adviser–Client Relationship

Viewing content, completing an assessment, receiving a scorecard, attending a webinar, joining a community or participating in a complimentary clarity call does not by itself create an investment-adviser, financial-planner, fiduciary, attorney–client or other regulated professional relationship.

A formal professional relationship arises only where expressly agreed through appropriate engagement documents and subject to applicable regulatory requirements.

Assessments, Calculators and Applications

Assessment results, projections and application-generated figures are based on:

• Information supplied by the user;

• Assumptions entered into the tool;

• General calculation models; and

• Information available at the relevant time.

Results are indicative and may not reflect all relevant factors. They should not be regarded as guarantees, formal valuations or recommendations to buy, sell or hold a particular product or security.

Investment Risk

Investments involve risk. Values and returns may rise or fall, and past performance does not guarantee future results.

Before acting, you should consider:

• Your financial position;

• Objectives;

• Liabilities;

• Time horizon;

• Risk tolerance;

• Liquidity requirements;

• Tax circumstances; and

• The features, costs and risks of the relevant product.

Where appropriate, obtain advice from a suitably qualified and authorised professional.

Securities and Product Recommendations

Unless expressly stated through a legally compliant engagement, public content must not be interpreted as a recommendation or solicitation to buy, sell or hold a particular security, mutual fund, insurance product or other financial instrument.

References to products, asset classes, strategies or examples are provided for explanation and education.

Where a separate adviser, intermediary, insurer, distributor or product provider is involved, you should review that party’s credentials, disclosures, product documents, fees, commissions, conflicts of interest and regulatory status.

Tax and Legal Information

Tax and legal rules may change, and their application depends on individual circumstances.

General discussions concerning tax efficiency, succession, nominations, wills, trusts or estate planning are educational. Obtain advice from an appropriately qualified chartered accountant, tax professional or lawyer before taking action.

Business-Growth Information

Business-growth discussions are educational and strategic in nature.

Revenue, profit and business outcomes depend on market conditions, execution, resources, management decisions and other variables. No particular business result is guaranteed.

Testimonials and Case Studies

Testimonials and case studies represent the experiences of particular individuals. They may not be typical and must not be interpreted as guarantees.

Names or identifying details may be abbreviated or withheld for privacy where appropriate.

Accuracy and Updates

We aim to provide useful and accurate information, but financial markets, taxation, regulations and products can change.

We do not warrant that every item will remain complete, current or suitable for every person. Users should verify material information before acting.

Emergency and Fraud Warning

Mr.FinancialSurgeon will never ask you to disclose:

• Banking passwords;

• Debit or credit card PINs;

• UPI PINs;

• One-time passwords; or

• Remote access to your bank account.

If you receive a suspicious request claiming to represent us, do not act on it. Contact us through the details published on our official website.

Your Responsibility

You remain responsible for evaluating information and making your own financial and business decisions.

By using our services, you acknowledge that financial decisions involve uncertainty and that no educational resource, assessment or discussion can eliminate every risk.