Terms of Use

These Terms of Use (“Terms”) govern your access to and use of npsdesk.com(the “Site”), operated by Box Wealth Advisors (the “Operator”, “we”, “our”, “us”). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. About the Site

NPS Desk is an independent education, research, and planning-support initiative focused on India's National Pension System (NPS). It is not an official property of, and is not affiliated with, PFRDA, NPS Trust, any Central Recordkeeping Agency, any Pension Fund Manager, any Annuity Service Provider, any Point of Presence, or the Government of India.

2. Not financial, tax, legal, or retirement advice

Information, calculators, scenarios, and any other material made available through the Site are provided for general education and planning support only. They do not constitute, and should not be relied upon as, personalised investment, tax, legal, pension, retirement, or financial advice. You should verify current rules from official sources and consult qualified professionals before making any decisions.

3. No regulated distribution

The Site does not, in its current form, facilitate transactions, regulated distribution, onboarding, point-of-presence activity, advisory engagements, or any other regulated workflow in relation to NPS or any other financial product. Any future modules involving regulated activity will be introduced only after the required approvals and legal confirmations are in place.

4. Acceptable use

You agree not to:

• Use the Site for any unlawful, fraudulent, or harmful purpose.
• Reverse engineer, scrape, or otherwise attempt to interfere with the Site or its infrastructure.
• Submit information that is false, misleading, defamatory, or that infringes the rights of others.
• Misrepresent your identity or affiliation when registering interest or otherwise interacting with the Site.

5. Intellectual property

The Site, including its branding, copy, layout, design system, calculators, and content, is owned by or licensed to the Operator. You may view and reference the content for personal, non-commercial use. Any other reuse requires prior written permission. The names “NPS”, “National Pension System”, and references to PFRDA, NPS Trust, and related entities are used descriptively and remain the property of their respective owners.

6. Accuracy and currency

We aim to keep the Site accurate and current, but rules, circulars, tax provisions, and operational processes can change. The Operator does not warrant that the information on the Site is complete, current, or free from errors. Users are responsible for verifying any information before acting on it.

7. No warranties

The Site is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, the Operator disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of liability

To the maximum extent permitted by law, the Operator and its affiliates, directors, employees, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses arising out of or in connection with your use of the Site.

9. External links

The Site may link to third-party websites or resources. The Operator is not responsible for the content, accuracy, or practices of such external sites and does not endorse them.

10. Changes to the Site or these Terms

We may modify the Site or these Terms from time to time. Changes will be reflected on this page with a revised “last updated” date. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

11. Governing law and jurisdiction

These Terms are governed by the laws of India. The courts at the principal place of business of Box Wealth Advisors shall have exclusive jurisdiction over any dispute arising from or connected with the Site or these Terms.

12. Contact

For questions about these Terms, write to hello@npsdesk.com.