This terms of use sets forth the terms and conditions that apply to the access and use of the Website www.lakshme.com (collectively be referred to as "website/LakshMe"), which is managed and operated by Prudent Corporate Advisory Services Limited, (hereinafter collectively be referred to as “Prudent”), a company incorporated under the Companies Act, 1956.

By accessing this Website or registering your information on the Website, you declare and confirm that you are a resident of India, above 18 (Eighteen) years of age, and have the capacity to contract as specified under the Indian Contract Act, 1872 while availing the Services offered by Prudent and agree to be bound by this Terms of use. This Terms of use along with Privacy Policy and Disclaimer describes our relationship with you will be subject to the rules, guidelines, policies, terms, and conditions applicable to any specific service that is provided by the Website and they shall be deemed to be incorporated into this terms and shall be considered as part and parcel of this Terms of use. Use of any functionality of the website constitutes acceptance of this Terms of use. If this Terms of use conflicts with any other documents, the Terms of use will prevail for the purposes of usage of the website. If you do not agree to be bound by this Terms of use and Privacy Policy, you should not use the website in any way.

You must visit to this page periodically to review the most current version of the Terms of use. We reserve the right at any time, at our sole discretion, to change or otherwise modify the Terms of use without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified Terms of use.

Description of Services

LakshMe is an online platform initiated by Prudent, targets at educating and helping women make informed decisions – from money management to health, and personal development. The website provides knowledge and tools to help them build confidence and take charge of their finances. With topics ranging from saving, investing, health, safety, insurance, and more, the website aims to educate, inform and inspire Indian women. The Terms and Conditions also govern your use of all Content, services, and features on LakshMe.

You agree and authorize Prudent to share your information with its group companies and other third parties, in so far as required for joint marketing purposes/offering various services and similar services to provide you with various value added services, in association with the Services selected by you or otherwise. You agree to receive communications through emails, telephone and/or SMS, from the Prudent or its third party vendors/business partners/ marketing affiliates regarding the Services/ancillary services updates, information/promotional emails and/or product announcements. In this context, you agree and consent to receive all communications at the mobile number provided by you, even if this mobile number is registered under DND/NCPR list under TRAI regulations. And for that purpose, you further authorize Prudent to share/disclose the information to any third party service provider or any affiliate, its group companies, authorized agents.


Some sections of the website (such as saved articles/blogs, posting comments, eBooks) may require registration. If you choose to register, you may be required to open an account by completing the registration process. You will need to choose a password and a username. You agree and understand that you are solely responsible for maintaining the confidentiality of your login ID password which allows you to access the Service. You are required to agree to the Terms and Conditions to complete the registration.You shall provide true, accurate, current and complete information about yourself and undertake to inform/update of any change in your Registration Information promptly and keep it up-to-date and accurate at all times. You agree not to misrepresent your identity nor will you make an attempt to make an unlawful access to the Website or use of the Services.

Licence and Ownership

Any and all intellectual property rights ("Intellectual Property") associated with the Website and its contents (the "Content") are the sole property of prudent or third parties. Elements of the Website are also protected by trade name, trade secret, unfair competition, and other laws and may not be copied or imitated in whole or in part. All customised graphics, icons, and other items that appear on the Website are trademarks, service marks or trade name ("Marks") of prudent or other entities that have granted prudent the right and licence to use such Marks and may not be used or interfered with in any manner without the express written consent of prudent. Except as otherwise expressly authorised by these Terms of Use, You should not copy, reproduce, modify, amend, lease, loan, sell and/or create derivative works from, upload, transmit, and/or distribute the Intellectual Property of the Website in any way without prudent’s prior written permission or that of an appropriate third party.

Prudent hereby grants you a limited, personal, non-transferable licence to access and use only the Website, Content and Services only in the manner presented by Prudent. You should not make, sell, offer for sale, modify, amend, reproduce, display, publicly perform, import, distribute, retransmit or otherwise use the Content in any way unless expressly permitted to do so by Prudent.

Restrictions on Use of The Website

In addition to other restrictions set forth in these Terms of Use, You agree that:

  • You shall not disguise the origin of information transmitted through the Website.
  • You will not place false or misleading information on the Website.
  • You will not use or access any service, information, application or software available via the Website in a manner not expressly permitted by Prudent.
  • You will not input or upload to the Website any information that may contain viruses or other computer programming that are intended to damage, interfere with, intercept any system, the website or Information or that infringes the Intellectual Property rights of another.

Domestic Use

You understand and agree that the website is primarily intended for the use by persons resident in India only. Any use/access of the website by any person, who is not resident of India, shall be at his/her sole risk and must bear all responsibility for compliance with any applicable local laws. Such User will be solely and absolutely liable for any liability incurred by the prudent and keep the prudent indemnified against any such liability.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that Prudent does not have any control over such third-party websites. Therefore, Prudent cannot be responsible for the protection and privacy of any information which you provide while visiting such sites. You should exercise caution and look at the privacy statement applicable to the website in question. Prudent makes no representations or warranties regarding the correctness, accuracy, performance or quality of any content, software, service or application of third party Linked Site. If You decide to access third party Sites, you do so at Your own risk.


Prudent may revise and update these Terms of Use at any time. Your continued usage of the Website after any changes to these Terms of Use will be deemed as acceptance of such changes. Any aspect of the Website may be changed, supplemented, deleted or updated without notice, at the sole discretion of Prudent. Prudent may also change or impose fees for products and services provided through the Website at any time, at its sole discretion. Prudent may establish or change, at any time, general practices and restrictions concerning other products and services at its sole discretion.


You agree that Prudent, at its sole discretion, may terminate or suspend your use of the Website, Systems, Information, Services and Content at any time and for any reason at its sole discretion, even if access and use continue to be allowed to others. Upon such suspension or termination, You must immediately

  • discontinue Your use of the Website, and
  • destroy any copies You may have made of any portion of the Content. Accessing the Website, Systems, Information or Services after such termination, suspension or discontinuation shall constitute an act of trespass. Furthermore, you agree that Prudent shall not be liable to you or to any third party for any termination or suspension of your access to the Website, Systems, Information and/or the Services.

The Prudent, at its sole discretion, may terminate or shut down, temporarily or permanently, the usage of its website without serving advance notice or any intimation to you.

Disclaimer of Warranty

You expressly understand and agree that, the Contents on the website are provided by the Prudent on an “AS IS” basis without warranty of any kind, express, implied, statutory or otherwise, including the implied warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, the Prudent makes no warranty that (i) the website or services provided by it will meet Your requirements or your use of the website will be uninterrupted, timely, secure or error-free; (ii) the results that may be obtained from the use of the website will be effective, accurate or reliable; (iii) any errors or defects in the website will be corrected.

You acknowledge that the software and hardware underlying the website as well as other internet related software which are required for accessing the website are the legal property of the respective vendors. The permission given by the Prudent to access the website will not convey any proprietary or ownership rights in the above software/hardware to you.

Disclaimer of liability

The Prudent shall not be responsible for the delay or inability to use the website or related functionalities, or failure to provide any information, software, and related graphics obtained through the website, or otherwise arising out of the use of the website, whether based on contract, tort, negligence, strict liability or otherwise. Further, the Prudent shall not be held responsible for non-availability of the website during periodic maintenance operations or any unplanned suspension of access to the website that may occur due to technical reasons or for any reason beyond the Prudent’s control. You understand and agree that any material or data downloaded or otherwise obtained through the website is done entirely at Your own discretion and risk, and that You will be solely responsible for any damage to Your computer systems or loss of data that results from the download of such material or data.

Content Disclaimer

Contents on the Site are intended for viewers who are residing in India only. Any recommendations or suggestions proposed on this website, whether provided in the featured articles, the Q&A responses, or elsewhere, is only a starting point for you to equip yourself with the relevant knowledge and resources, so that you may have a better understanding of your future needs and objectives. Please note that each individual is different and subject to different circumstances, and there are myriad of factors to be taken into account when planning for the future, whether in the areas of finance, insurance or otherwise.

Nothing on this Site should be construed as investment, tax, legal, or accounting advice. As such, we encourage you to separately obtain independent advice when making decisions in these areas. The Content of the articles, blogs or other materials posted on website are only opinions of the authors but not the views of prudent. We will not be held responsible for any loss or damages arising out of or in relation to the use or reliance on the information contained or omitted in these articles, blogs or other materials or the authors’ handling of any personal information that may be provided by you to them.


You will indemnify, defend and hold harmless Prudent and any of its contractors, agents, employees, officers, affiliates and assigns from all liabilities, claims, damages, costs and expenses, including reasonable attorneys' fees and expenses, of third parties relating to or arising out of (1) This terms or the breach of your warranties, representations and obligations under this terms; (2) the Website content or your use of the Website content; (3) any intellectual property or other proprietary right of any person or entity; (4) your violation of any provision of this terms; or (5) any information or data you supplied to Prudent. The terms of this provision will survive any termination or suspension of your use of the Website.

Compliance with applicable Law

You agree to use the Website in strict compliance with all applicable laws, rules, and regulations and in a fashion that does not, in the sole judgment of Prudent, negatively reflect on the goodwill or reputation of Prudent and You shall take no action which might cause Prudent to be in breach of any laws, rules or regulations applicable to Prudent.

Governing Law, Jurisdiction and Arbitration

This terms of use and the relationship between you and Prudent will be governed by the laws of the India. The Website specifically prohibits you from usage of any of its Services in countries or jurisdictions that do not corroborate to all stipulations of these Terms. The Website is specifically for users in the territory of India. In case of any dispute, either judicial or quasi-judicial, the same will be subject to the laws of India, with the courts in Ahmedabad having exclusive jurisdiction. Any dispute, controversy or claim arising out of or in relation to this Terms of use, including a breach or termination thereof, shall be settled by a sole arbitrator to be appointed mutually by Prudent and you, in accordance with the provisions of the Arbitration and Conciliation Act, 1996, or amendment thereto. In the event we are unable to reach an agreement on the sole arbitrator, we agree to have a panel of three arbitrators appointed, of which one shall be appointed by each of us, and the third arbitrator appointed by the two arbitrators. The venue for arbitration shall be Ahmedabad. The arbitral procedure shall be conducted in the English language and any award or awards shall be rendered in English.

Grievance Redressal Mechanism

Any complaints or concerns with regards to Content or comment or breach of these terms shall be taken up with the designated Grievance Officer as mentioned below in writing or through an email:

Name: Maitry Shah

Title: Relationship Manager

Email: maitry@lakshme.com

Phone: +919925023061

We shall try and resolve your grievance within 15 days and in any event no later than 30 days from the date of receipt of the grievance.

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