Financial Disclaimer

What Sambhaal is

Sambhaal is a record-keeping and reminder tool for families. It stores details you type in about accounts, deposits, policies and other holdings, keeps related documents in one place, and reminds you before dates pass.

Every entry in Sambhaal is information you entered by hand. It is not verified against any bank, insurer, registrar or government record, and it may be incomplete or out of date. Always confirm the position with the institution itself before acting on it.

We do not touch your money

• Sambhaal has no connection to any bank, broker, insurer or payment system on your behalf.
• We cannot see balances, cannot initiate a transfer, cannot pay a premium, and cannot renew a deposit for you.
• We never ask for and never store bank passwords, internet banking credentials, card numbers, CVVs, UPI PINs, ATM PINs or OTPs.
• The only payment Sambhaal ever processes is your own subscription to Sambhaal, through a regulated payment provider.

We do not give advice

Nothing in Sambhaal — including articles, checklists, reminders, nominee prompts, examples and any AI-generated help text — is investment, tax, insurance, accounting or legal advice, or a recommendation to buy, sell, hold, surrender, renew or switch any financial product.

Sambhaal is not a registered investment adviser, research analyst, insurance broker or distributor, and receives no commission from any financial institution. Educational content is written in general terms for a general audience and cannot account for your circumstances.

Your decisions remain yours

• All financial decisions, and the consequences of them, remain entirely your own responsibility.
• Reminders are a convenience, not a guarantee. Email delivery can fail or be delayed, a date may have been entered incorrectly, or a reminder may never have been created. Do not rely on Sambhaal as your only safeguard against a deadline.
• Nominee status, maturity dates and renewal dates shown in Sambhaal reflect what someone in your circle recorded — not what the institution's records say.

Who to ask instead

• For investments and financial planning: a SEBI-registered investment adviser.
• For tax: a chartered accountant or qualified tax professional.
• For insurance: a licensed insurance adviser, or the insurer directly.
• For wills, succession and estate matters: a qualified lawyer.
• For anything about a specific account or policy: the institution that holds it, on a number you look up yourself.

Fraud reporting

If money has already moved because of a scam, call the National Cyber Crime Helpline on 1930 immediately and report at cybercrime.gov.in. Senior citizens can also reach Elderline on 14567. Both are toll-free.