Terms of Service

Effective Date: September 29, 2026

Welcome to OHO Wealth Studio® (“OHO”, “we”, “us”, or “our”).

These Terms of Service (“Terms”) govern your access to and use of the OHO Wealth Studio® website, including https://ohowealthstudio.com, its articles, educational resources, calculators, assessments, tools, forms, newsletters, digital content, and other services made available through the website (collectively, the “Services”).

By accessing or using the Services, you agree to these Terms. If you do not agree with these Terms, please do not use the Services.

1. About OHO Wealth Studio

OHO Wealth Studio® is a financial-services and financial-education platform focused on helping individuals, particularly working professionals and working women, understand financial safety, financial structure, resilience, protection, retirement readiness, and investment-related concepts.

Information provided through this website is intended to help users understand financial concepts and make more informed decisions.

2. Educational and General Information

The content published on this website is provided for general informational and educational purposes.

Financial circumstances differ from person to person. Information available on the website should not be treated as a substitute for professional advice specific to your individual circumstances.

Examples, calculations, illustrations, projections, assumptions, returns, or scenarios presented on the website are for educational purposes and may not reflect actual future outcomes.

Past performance of any investment or financial product is not indicative of future results.

3. No Guarantee of Financial Outcomes

OHO Wealth Studio® does not guarantee any particular investment return, financial outcome, tax outcome, retirement outcome, or level of wealth.

Financial markets and financial products involve risks. You should independently evaluate the suitability and risks of any financial product or transaction before making a decision.

Where appropriate, users should consult suitably qualified and appropriately authorised professionals for advice relating to their specific circumstances.

4. Financial Products and Distribution

OHO Wealth Studio® may provide information about financial products and may distribute or facilitate access to certain financial products or services through appropriately authorised arrangements, where applicable.

Any applicable commissions, distribution income, fees, charges, or other commercial arrangements will be disclosed where required by applicable law or regulation.

The availability of a product or service on this website does not by itself constitute a recommendation that the product or service is suitable for every user.

Regulatory registrations, licences, authorisations, and product-specific permissions may vary depending on the service being offered. Information relating to such registrations or permissions should be understood only in the context in which it is expressly stated on the website.

5. Calculators, Assessments and Tools

OHO Wealth Studio may provide calculators, assessments, scores, checklists, questionnaires, and other financial tools.

These tools are intended to provide estimates, educational insights, or a starting point for understanding financial concepts.

Results may depend on the information entered by the user and on assumptions built into the relevant tool. Results should not be interpreted as guarantees, certifications, valuations, investment recommendations, or predictions of future outcomes.

Users are responsible for checking the information they enter and for independently evaluating the results.

6. Safety Score and Other OHO Frameworks

Certain concepts, frameworks, assessments, names, methodologies, and tools made available through the website may be proprietary to OHO Wealth Studio®, including the OHO Financial Safety Framework™ and Safety Score™, where applicable.

Such tools are designed to help users think about areas of financial preparedness and resilience. They are not intended to constitute a regulatory certification, credit rating, investment rating, financial-health guarantee, or prediction of future financial performance.

7. User Responsibilities

You agree to:

  • provide accurate information when using forms, calculators, assessments, or other interactive Services;
  • use the website only for lawful purposes;
  • not misuse, disrupt, damage, or attempt to gain unauthorised access to the website or its systems;
  • not copy, reproduce, republish, distribute, sell, or commercially exploit website content without prior written permission;
  • not use automated systems to scrape or systematically reproduce substantial portions of the website without permission; and
  • comply with all applicable laws and regulations while using the Services.

8. Intellectual Property

Unless otherwise stated, the content on this website, including text, graphics, logos, trademarks, service marks, frameworks, assessments, tools, designs, videos, articles, and other materials, is owned by or licensed to OHO Wealth Studio and is protected by applicable intellectual-property laws.

OHO® and other OHO names, marks, frameworks, and proprietary concepts may be protected trademarks or intellectual property.

You may access and use website content for your personal, non-commercial use. No ownership rights are transferred to you by your use of the website.

9. Third-Party Websites and Services

The website may contain links to third-party websites, platforms, products, services, or resources.

These links are provided for convenience or informational purposes. OHO Wealth Studio does not control and is not responsible for the content, availability, security, privacy practices, or terms of third-party websites or services.

Your use of a third-party website or service is governed by that provider’s own terms and policies.

10. User-Submitted Information

Where the website allows you to submit information, forms, questions, feedback, or other material, you are responsible for ensuring that the information you provide is accurate and that you have the right to provide it.

Please do not submit passwords, payment-card information, government identification numbers, or other highly sensitive information through an ordinary website form unless the relevant service specifically requests it through an appropriate secure process.

11. Privacy

Your use of the website may involve the collection and processing of certain information.

Please refer to our Privacy Policy for information about how OHO Wealth Studio collects, uses, stores, and protects personal information.

12. Website Availability and Accuracy

We make reasonable efforts to keep the website and its information useful and up to date. However, we do not warrant that:

  • the website will always be available or uninterrupted;
  • all information will always be complete, accurate, or current;
  • calculators or tools will be error-free;
  • the website will be free from viruses or other harmful components; or
  • any particular result will be achieved through use of the Services.

Financial regulations, tax laws, products, interest rates, market conditions, and other information may change over time. Users should verify important information against current primary or official sources before making consequential decisions.

13. Limitation of Liability

To the extent permitted by applicable law, OHO Wealth Studio®, its owners, representatives, employees, contractors, and service providers will not be liable for losses or damages arising from:

  • reliance on general information published on the website;
  • use or inability to use the website or its tools;
  • errors or omissions in website content;
  • changes in financial markets, regulations, taxation, or product terms;
  • decisions made by users based on information obtained through the website; or
  • third-party websites, products, or services accessed through links on the website.

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.

14. Changes to These Terms

We may update these Terms from time to time to reflect changes in our Services, legal requirements, regulatory requirements, or business practices.

The updated version will be posted on this page with a revised effective date. Your continued use of the Services after an update constitutes acceptance of the revised Terms, to the extent permitted by applicable law.

15. Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of India.

Subject to applicable law, disputes arising in connection with these Terms or your use of the Services shall be subject to the jurisdiction of the competent courts in Ludhiana, Punjab, India.

16. Contact

For questions regarding these Terms of Service, you may contact:

OHO Wealth Studio
Ludhiana, Punjab, India
Website: https://ohowealthstudio.com

Last Updated: September 29, 2026

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