Term and Condition

Welcome to Aayansh Financial Services ("we", "us", "our", or "the Company"). These Terms & Conditions govern your access to and use of our website, services, and any related communication channels. By accessing or using our services, you agree to be legally bound by these Terms & Conditions. If you do not agree, please discontinue use of our services.

1. Acceptance of Terms

By accessing, browsing, or using the services provided by Aayansh Financial Services, you acknowledge that you have read, understood, and agreed to be bound by these Terms & Conditions, along with our Privacy Policy.

2. Services Offered

Aayansh Financial Services provides financial intermediary and advisory services, including but not limited to:

• Loan facilitation and advisory services
• Insurance policy consultation and brokerage services
• Financial product comparison services
• Credit assessment and documentation assistance
• General financial advisory services

We act as a facilitator between customers and third-party financial institutions and do not directly provide loans or insurance coverage.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of India
• Have the legal capacity to enter into binding contracts
• Provide accurate, complete, and truthful information as requested

4. User Responsibilities

You agree to:

• Provide accurate, current, and complete personal and financial information
• Maintain confidentiality of your account credentials
• Immediately notify us of any unauthorized use or security breach
• Use our services strictly for lawful purposes
• Not misrepresent your identity, income, or financial status

5. Information Collection and Use

We collect and process personal and financial information including, but not limited to:

• Name, contact details, and identification information
• Financial, employment, income, and credit-related information
• Information related to your financial needs and objectives

By using our services, you expressly consent to:

• Sharing your information with banks, NBFCs, insurance companies, and credit bureaus
• Conducting credit checks and verification procedures
• Receiving communications related to your applications and services
• Processing of your data as outlined in our Privacy Policy

6. No Guarantee of Approval

Aayansh Financial Services does not guarantee:

• Approval of any loan, insurance, or financial application
• Specific interest rates, premiums, or product terms
• Timelines for approval, disbursement, or issuance
• Availability of all advertised financial products

All decisions are solely at the discretion of the respective financial institutions.

7. Fees and Charges

Our Services

Our advisory and facilitation services are currently provided free of charge to customers.

Third-Party Charges

Banks, NBFCs, and insurance companies may levy:

• Processing fees
• Interest charges
• Insurance premiums
• Other statutory or service-related charges

All applicable charges will be disclosed by the respective institution before you commit to any product. You are solely responsible for payments as per their terms.

8. Intellectual Property Rights

All content available on our platform, including but not limited to:

• Company name, logo, trademarks, and service marks
• Website design, layout, text, graphics, and content
• Software, applications, and proprietary materials

are the exclusive property of Aayansh Financial Services or its licensors and are protected under applicable intellectual property laws. Unauthorized use is strictly prohibited.

9. Limitation of Liability

To the maximum extent permitted under applicable law:

• We are not responsible for decisions made by third-party financial institutions
• We shall not be liable for any direct, indirect, incidental, or consequential losses
• Our liability, if any, shall be limited to the fees paid for our services (if applicable)
• We do not assume responsibility for third-party products or services

10. Indemnification

You agree to indemnify and hold harmless Aayansh Financial Services, its directors, officers, employees, and agents from any claims, damages, losses, liabilities, or expenses arising out of:

• Your use of our services
• Violation of these Terms & Conditions
• Misrepresentation or submission of false information
• Unauthorized or unlawful use of your account

11. Third-Party Links and Services

Our platform may contain links or references to third-party websites or services. We:

• Do not endorse or guarantee third-party offerings
• Are not responsible for third-party content, policies, or practices
• Encourage users to review third-party terms and privacy policies
• Do not control decisions made by financial institutions

12. Communication Consent

By using our services, you consent to receive communications via phone calls, SMS, WhatsApp, or email for:

• Application status updates
• Service-related notifications
• Important policy or regulatory updates
• Marketing communications (with opt-out option available)

13. Credit Reporting Authorization

You authorize Aayansh Financial Services and its partners to:

• Access your credit information from authorized credit bureaus
• Conduct credit checks for eligibility and risk assessment
• Share relevant information with financial institutions
• Report application-related data as required by law

14. Dispute Resolution and Governing Law

In the event of any dispute, the parties shall attempt resolution through:

1. Negotiation – Direct discussion between the parties
2. Mediation – With a mutually agreed mediator
3. Arbitration – Binding arbitration conducted in Pune, Maharashtra, India

These Terms & Conditions shall be governed by and construed in accordance with the laws of Maharashtra, India.

15. Service Modifications

We reserve the right to:

• Modify, suspend, or discontinue any service without prior notice
• Update or revise these Terms & Conditions
• Change service structures or offerings
• Restrict or deny access in case of policy violations

16. Termination

We may suspend or terminate your access to our services if you:

• Violate these Terms & Conditions
• Provide false, misleading, or incomplete information
• Engage in fraudulent or unlawful activities
• Fail to comply with applicable legal or regulatory requirements

17. Force Majeure

We shall not be liable for delays or failures resulting from events beyond our reasonable control, including but not limited to:

• Natural disasters or acts of God
• Government actions or regulatory restrictions
• Technical failures or system outages
• Pandemics, epidemics, or public health emergencies
• Labor disputes or shortages

18. Severability

If any provision of these Terms & Conditions is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

19. Entire Agreement

These Terms & Conditions, together with our Privacy Policy, constitute the entire agreement between you and Aayansh Financial Services and supersede all prior understandings or agreements.

20. Changes to Terms

We may update these Terms & Conditions periodically. Continued use of our services after such updates constitutes acceptance of the revised terms. Significant changes will be communicated via appropriate channels.