Term & Conditions - Panathottam

Terms & Conditions

Last Updated: [27/01/2026]

Welcome to Panathottam (https://panathottam.com/). By accessing or using our website and services, you agree to comply with and be bound by the following terms and conditions. Please read them carefully.

1. Acceptance of Terms

By using this website, you confirm that you are at least 18 years of age and possess the legal authority to enter into this agreement. If you do not agree with any part of these terms, you must not use our website.

2. Nature of Service

Panathottam provides financial guidance, educational content, and brokering services. We act as a facilitator connecting users with financial institutions, insurance providers, and investment opportunities.

No Banking Authority: We are not a bank, lender, or government agency.
No Financial Advice: The information provided on this website is for general informational purposes only and does not constitute professional financial, investment, or legal advice.

3. User Responsibilities & KYC

You agree to provide accurate and current information when interacting with our platform.
Sensitive Data: As per our Privacy Policy, Panathottam does not collect or verify sensitive government identifiers (such as Aadhaar, PAN, or bank passwords). Any such data required for financial services must be provided directly to the third-party service provider.
You are responsible for conducting your own due diligence before entering into any agreement with a third-party partner referred by us.

4. Third-Party Links & Referrals

Our website contains links to third-party websites and refers users to external financial partners.

Panathottam does not control, endorse, or guarantee the products or services offered by these third parties.
We are not liable for any loss or damage resulting from your dealings with any third-party institution.

5. Limitation of Liability

To the maximum extent permitted by law, Panathottam and its affiliates (including Fastura Technologies) shall not be liable for any direct, indirect, incidental, or consequential damages arising out of:

Decisions made based on the information provided on our site.
Technical failures or inaccuracies in the content.
The conduct or service quality of third-party financial providers.

6. Intellectual Property

All content on this website, including text, graphics, logos, and videos, is the property of Panathottam or its content creators and is protected by copyright laws. You may not reproduce, distribute, or sell any content from this site without prior written consent.

7. Modifications to Terms

We reserve the right to change or modify these Terms & Conditions at any time without prior notice. Your continued use of the site following any changes signifies your acceptance of the new terms.

8. Governing Law

These terms are governed by and construed in accordance with the laws of India. Any disputes relating to these terms shall be subject to the exclusive jurisdiction of the courts in Madurai, Tamil Nadu.