Terms of Service

1. Scope

These Terms of Service govern your use of the Bharat Finance website (bharatfinance.de) and our financial consultation services. By accessing this website or engaging our services, you agree to these terms. If you do not agree, please do not use our website.

2. Our Services

Bharat Finance provides financial consultation services for expats in Germany, including guidance on insurance, pension planning, investment strategies, tax optimization, and real estate financing.

We operate as an authorized partner of Horbach, one of Germany's established financial advisory networks. All financial products we recommend are provided through licensed and regulated product partners.

3. Website Content Disclaimer

The content on this website, including articles, guides, and general information, is provided for informational purposes only. It does not constitute personalized financial, tax, or legal advice.

Personalized financial advice is only provided within the scope of a formal consultation engagement. Investment decisions should not be made solely based on website content. Past performance of financial products is not indicative of future results.

4. Consultation Engagements

Initial consultations are offered free of charge. Any ongoing advisory relationship, product recommendations, or service agreements will be governed by separate terms agreed upon between you and Bharat Finance (and/or the relevant product provider).

We reserve the right to decline a consultation request at our discretion.

5. Intellectual Property

All content on this website — including text, images, logos, design, and articles — is the property of Bharat Finance or its content partners and is protected by copyright law. You may not reproduce, distribute, or republish any content without prior written consent.

6. External Links

Our website may contain links to third-party websites. We have no control over the content or practices of these sites and assume no responsibility for them. Visiting external links is at your own risk.

7. Limitation of Liability

We make every effort to ensure the accuracy and completeness of the information on our website. However, we cannot guarantee that all content is error-free or up to date.

Bharat Finance is not liable for any direct, indirect, or consequential damages arising from the use of this website or reliance on its content, except in cases of gross negligence or willful misconduct. Liability under mandatory German law remains unaffected.

8. Governing Law

These terms are governed by the laws of the Federal Republic of Germany. The place of jurisdiction is [YOUR CITY], Germany, to the extent permitted by law.

9. Changes to These Terms

We reserve the right to update these Terms of Service at any time. The current version is always available on this page. Continued use of the website after changes constitutes acceptance of the updated terms.

10. Contact

If you have questions about these Terms of Service, please contact us at [YOUR EMAIL].