Welcome to Dhruv Guides!
Last Update – March 23, 2026
By accessing this website (dhruvguids.com), you agree to comply with and be bound by the following terms and conditions. If you do not agree with any part of these terms, please do not use our website.
1. Use of Content
All the information provided on Dhruv Guides—including articles, guides, logos, and graphics—is the intellectual property of Hem Kumar. You may read and use this information for your personal knowledge. However, copying, republishing, or distributing our content on other websites or platforms without written permission is strictly prohibited.
2. Financial Disclaimer (Important)
Dhruv Guides is an informational blog focused on Banking, Loans, Government Schemes, Tax Savings, and Smart Money Tips.
- We are NOT a financial institution, bank, or government agency.
- The content provided here is for general educational purposes only and should not be considered as professional financial or legal advice.
- Financial markets and government policies change frequently. While we strive to provide accurate information, we do not guarantee that the data is always up-to-date or error-free.
3. User Responsibility & Trust
Any action you take based on the information found on this website is strictly at your own risk. To understand more about our mission and who we are, you can visit our About Us page. Before applying for any loan, investing in a scheme, or making tax-related decisions, you must:
- Verify the details from official government or bank websites.
- Consult with a certified financial advisor or your bank representative.
- Dhruv Guides and its founder, Hem Kumar, will not be held liable for any financial losses or damages incurred.
4. External Links & Support
Our articles may contain links to official government portals or third-party websites for your convenience. We do not have control over the nature, content, and availability of those sites. If you have any doubts regarding our content or find any broken links, please feel free to reach out to us through our Contact Us page.
5. Prohibited Activities
Users are prohibited from:
- Using the website in any way that causes damage or limits access for others.
- Engaging in any data mining, scraping, or unauthorized automated data collection.
- Posting any harmful or spammy comments in the comment section.
6. Changes to Terms
We reserve the right to modify these terms at any time without prior notice. By continuing to use the website after changes are posted, you accept the new terms.
7. Governing Law
These terms are governed by the laws of India. Any legal disputes arising from the use of this website will be subject to the jurisdiction of the courts in Agra, Uttar Pradesh.
Contact Us:
If you have any questions about these Terms and Conditions, please contact us at:
Email: hemkumar28312831@gmail.com