Welcome to Vinayaka Financial Services (“we”, “us”, “our”). These Terms of Service (“Terms”) govern your access to and use of our website srivinayakaservices.com (the “Site”) and the financial loan services and related information we provide. By accessing or using the Site or our services you agree to these Terms. If you do not agree, please do not use the Site or our services.
1. About Us
Vinayaka Financial Services is located in Yelahanka Newtown, Bangalore and has over 15 years of experience in the loan industry. Our founder and lead is NIMBEGONDI SHANKARAPPA ANJANEYA(Anjanneya NS). We offer a range of loan solutions including Personal Loans, Business Loans, Home Loans, Project Loans, and SME Loans. For enquiries, call +91 99455 24197.
2. Definitions
- “Client”, “You”, “Your”: any individual or entity using the Site or our services.
- “Services”: consulting, loan facilitation, application assistance and any other products or services we provide via the Site or offline.
- “Content”: text, images, documents, tools, calculators and other materials made available on the Site.
3. Scope of Services
We provide loan assessment, documentation assistance, lender introductions and advisory services. We do not guarantee loan approval — approval, terms, interest rates and disbursal are determined by the lending institution and depend on your eligibility, creditworthiness and submitted documentation.
4. Eligibility
You represent and warrant that you are at least 18 years old, have legal capacity to enter into a contract, and that any information you provide to us is true, accurate and complete.
5. Using the Site
You agree to use the Site in compliance with applicable laws and these Terms. You must not use the Site to post or transmit unlawful, fraudulent, abusive, libelous, obscene, or otherwise objectionable content.
6. Applications, Fees & Payments
Some Services may require fees. Any fees and payment terms will be clearly communicated to you before you incur a charge. All payments are non-refundable except as otherwise stated in a separate written agreement. We may use third-party payment processors; their terms also apply.
7. Loan Terms and Third-Party Lenders
We may introduce you to third-party lenders. Any loan contract you enter into will be between you and the lender; we are not a party to that contract. Interest rates, tenure, fees, prepayment terms, penalties and other terms are set by the lender. You should carefully read and understand your loan agreement before signing.
8. Accuracy of Information
We strive to keep the information on the Site accurate and up to date, but we do not warrant that the Content is complete, current, or error-free. All Content is provided for general informational purposes only and should not be relied upon as the sole basis for making financial decisions.
9. Intellectual Property
All Site content, design, text, graphics, logos and software are the property of Vinayaka Financial Services or its licensors and are protected by copyright, trademark and other intellectual property laws. You may view and print Content for your personal, non-commercial use only. Any other use requires our prior written consent.
10. Privacy
We collect and process personal information in accordance with our Privacy Policy. By using the Site and providing personal information, you consent to such processing. If you have not yet posted a Privacy Policy on the Site, please treat this as a reminder to publish one that explains how we collect, use and store personal data, including data we share with lenders and service partners.
11. Security
We use commercially reasonable measures to help protect the security of your data. However, no internet transmission or storage system is 100% secure. We cannot guarantee the security of information you transmit to the Site and are not responsible for unauthorized access to your account or data if caused by your own failure to securely maintain passwords or devices.
12. Disclaimers
THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, VINAYAKA FINANCIAL SERVICES DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
13. Limitation of Liability
IN NO EVENT WILL VINAYAKA FINANCIAL SERVICES, ITS DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO THESE TERMS, THE SITE, OR THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR LIABILITY FOR DIRECT DAMAGES WILL BE LIMITED TO THE AMOUNT YOU PAID TO US FOR THE SPECIFIC SERVICE IN THE 12 MONTHS PRECEDING THE CLAIM, OR ₹10,000 (INDIAN RUPEES TEN THOUSAND), WHICHEVER IS LOWER.
14. Indemnification
You agree to indemnify, defend and hold harmless Vinayaka Financial Services and its officers, directors, employees and agents from any claims, losses, liabilities, damages, costs and expenses (including reasonable attorneys’ fees) arising from your breach of these Terms, your misuse of the Site, or your violation of any laws or third-party rights.
15. Termination
We may suspend or terminate your access to the Site or Services at any time for breaches of these Terms or for any reason. Sections that by their nature survive termination (for example Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Governing Law) will remain in effect.
16. Links to Other Websites
The Site may contain links to third-party websites. We do not control, endorse, or assume responsibility for the content, privacy practices or accuracy of any third-party sites. Linking does not imply endorsement.
17. Changes to These Terms
We may update these Terms from time to time. When we do, we will post the updated Terms on the Site with a new effective date. Your continued use of the Site after the effective date indicates your acceptance of the revised Terms.
18. Governing Law & Dispute Resolution
These Terms are governed by the laws of India. Any disputes arising from or relating to these Terms or your use of the Site will be subject to the exclusive jurisdiction of courts located in Bangalore, Karnataka, India.
19. Severability
If any provision of these Terms is found to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
20. Contact Information
If you have questions about these Terms, please contact us:
Vinayaka Financial ServicesYelahanka Newtown, Bangalore
Phone: +91 99455 24197
Website: srivinayakaservices.com
Email: anjan@srivinayakaservices.com
Note: This Terms of Service is a template tailored to the details you provided. It does not constitute legal advice. For legally binding terms customized to your business model and regulatory obligations (including RBI/loan-broker licensing or compliance where applicable), consult a qualified lawyer.