Terms of Use

1. About This Website

pensionplanning.in is an informational and educational website about the National Pension System (NPS) in India. This website introduces prospective NPS subscribers to PensionBox (legal entity: Asht Capital Pvt Ltd), a PFRDA Pension Agent. PensionBox works as a Technology Platform as Pension Agent under PFRDA (PoP) Regulations 2023, enabling NPS account opening, fund transactions, and account management under All Citizen and Corporate NPS in India.

This website is designed to help individuals understand NPS — its structure, tax benefits, account types, and corporate applications. It is not a financial advisory service, does not provide retirement advice, and does not constitute investment, tax, or legal advice of any kind.

2. Not Financial or Investment Advice

All figures, return projections, and tax calculations on this website are illustrative only. NPS is a market-linked product and actual returns will vary based on fund performance, market conditions, contribution amounts, tenure, and applicable tax laws.

Before making any investment or tax decisions, you should consult a qualified and registered financial advisor, tax consultant, or chartered accountant who can evaluate your individual circumstances.

3. Nature of This Website

pensionplanning.in operates purely as a lead introduction partner of PensionBox. We do not provide advisory services, retirement planning advice, or regulated financial services of any kind. This means:

• This website does not open NPS accounts, accept contributions, process KYC, or provide retirement advice.
• All NPS account opening is handled by PensionBox (Asht Capital Pvt Ltd), a PFRDA Pension Agent under PFRDA (PoP) Regulations 2023.
• Any referral links on this website direct you to PensionBox's platform. By clicking these links, you leave this website and are subject to PensionBox's own terms, policies, and PFRDA-regulated processes.
• This website may receive an introduction fee from PensionBox for leads referred via this website. This does not affect the cost to you — all NPS charges are regulated by PFRDA.

4. Regulatory Status

The National Pension System (NPS) is regulated by the Pension Fund Regulatory and Development Authority (PFRDA), Government of India, under the PFRDA Act, 2013.

PensionBox (legal entity: Asht Capital Pvt Ltd) is a PFRDA Pension Agent. PensionBox works as a Technology Platform as Pension Agent under PFRDA (PoP) Regulations 2023, enabling NPS account opening, fund transactions, and account management under All Citizen and Corporate NPS in India. pensionplanning.in is a lead introduction partner of PensionBox and is not registered with PFRDA as a POP, Pension Agent, or Retirement Adviser. We do not provide advisory services. All regulated NPS activities (account opening, KYC, contributions, withdrawals) are performed exclusively by PensionBox.

For PFRDA registration verification, visit: pfrda.org.in

5. Accuracy of Information

We make reasonable efforts to ensure the information on this website is accurate and up to date. However, NPS rules, tax laws, PFRDA regulations, and fund charges are subject to change. We cannot guarantee that all content reflects the most current regulations at all times.

• Always verify current NPS rules and charges at pfrda.org.in or npstrust.org.in.
• Verify current tax provisions with a qualified tax advisor or the Income Tax Department website.
• Fund performance data on this website, where referenced, is historical and does not guarantee future results.

6. Permitted Use

You may use this website for personal, non-commercial informational purposes. You agree not to:

• Copy, reproduce, or republish content from this website for commercial purposes without written permission.
• Use this website for any unlawful purpose or in a way that could damage, disable, or impair the website.
• Attempt to gain unauthorised access to any part of this website or its associated systems.
• Use automated tools to scrape, crawl, or extract data from this website.

7. Limitation of Liability

To the maximum extent permitted by applicable law, pensionplanning.in and its operators shall not be liable for:

• Any financial loss arising from reliance on information published on this website.
• Any errors, inaccuracies, or omissions in the content.
• Any loss or damage arising from your use of third-party websites linked from this website (including PensionBox).
• Any interruption, suspension, or termination of this website.

Your use of this website and any reliance on its content is entirely at your own risk.

8. Third-Party Websites

This website contains links to PensionBox, PFRDA, NPS Trust, and other third-party websites. These links are provided for your convenience. We have no control over the content, accuracy, or privacy practices of third-party websites and accept no responsibility for them. A link to a third-party website does not imply endorsement of that website or its content.

9. Intellectual Property

All content on this website — including text, design, layout, and graphics — is the property of pensionplanning.in unless otherwise stated. The NPS name, PFRDA name, and related logos are the property of their respective owners and are referenced here for informational purposes only.

10. Governing Law

These Terms of Use are governed by the laws of India. Any disputes arising from your use of this website shall be subject to the jurisdiction of the courts of India.

11. Changes to These Terms

We reserve the right to update these Terms of Use at any time. The "Last updated" date at the top of this page will reflect changes. Continued use of this website after any changes constitutes your acceptance of the updated terms.