Terms and Conditions
Website: https://www.harekrishnconsultancy.com/
1. Introduction
Welcome to the website of HareKrishn Consultancy (“we,” “our,” “us”).
These Terms and Conditions govern your access to and use of https://www.harekrishnconsultancy.com/ and the information and services made available through it.
By accessing or using this website, you agree to these Terms and Conditions. If you do not agree with them, please discontinue using the website.
2. Nature of Our Services
HareKrishn Consultancy provides information, inquiry handling and assistance relating to financial products and services, which may include personal loans, home loans, business loans, overdraft facilities and other financial offerings.
Depending on the service requested, we may help customers understand available options, organize relevant information and connect or refer inquiries to banks, NBFCs or other financial institutions.
Unless expressly stated otherwise and legally authorized, HareKrishn Consultancy is not itself the lender providing the loan. The relevant financial institution is responsible for its own eligibility criteria, underwriting, approval, disbursement, interest rates, charges and repayment conditions.
The precise scope of any service will depend on the arrangement applicable to that service.
3. No Guarantee of Loan Approval
Submitting an inquiry or application through our website does not guarantee:
Loan approval or eligibility.
A particular loan amount.
A specific interest rate or repayment tenure.
Approval within a specified timeframe.
Disbursement of funds.
All lending decisions are made by the relevant lender according to its policies, verification procedures, risk assessment and applicable requirements.
Any indicative eligibility, rate, amount or processing timeline provided by us is informational and may change after the lender’s assessment.
4. Accuracy of Information
You agree to provide accurate, complete and current information when submitting an inquiry or requesting assistance.
You are responsible for ensuring that the information and documents you provide are genuine and authorized for use.
Providing false, misleading, incomplete or fraudulent information may result in delays, rejection of an inquiry or application, termination of assistance, or other consequences under applicable law.
You should promptly notify us if any material information you have provided changes.
5. No Financial or Legal Advice
Information published on this website is provided for general informational purposes. It should not be treated as a guarantee, individualized financial recommendation, legal opinion or substitute for reviewing the lender’s official documentation.
Before accepting a financial product, you should carefully review the lender’s interest rates, fees, repayment schedule, applicable penalties, terms and conditions, and other relevant disclosures.
You are responsible for making your own informed decision about whether a financial product is suitable for your circumstances.
6. Fees and Charges
Any consultancy or service fees, if applicable, must be disclosed to you before you agree to a chargeable service.
Third-party lenders may impose their own processing fees, interest, taxes or other charges under their respective terms.
Unless expressly agreed and lawfully applicable, we do not represent ourselves as authorized to waive or change charges imposed by a lender.
Please confirm the applicable fees and payment terms before proceeding with any service.
7. Third-Party Financial Institutions
Our website or services may refer you to banks, NBFCs, financial institutions or other third-party providers.
These providers operate under their own eligibility criteria, policies, contractual terms and privacy practices. We do not control their independent lending decisions or guarantee their products, processing times, conduct or services.
Any loan agreement or financial contract is between you and the relevant provider, unless expressly stated otherwise in a separate written agreement.
You should independently verify the identity and credentials of the relevant financial institution before entering into a financial transaction.
8. Privacy and Personal Information
Your use of our website and submission of information are also governed by our Privacy Policy.
You agree to provide personal information only where you are authorized to do so and to ensure that the information you submit is accurate.
Please do not share passwords, OTPs, PINs or other confidential authentication credentials through our website or with anyone claiming to represent us.
We handle personal information in accordance with our Privacy Policy and applicable law.
9. Acceptable Use
You agree not to:
Use the website for unlawful, fraudulent or misleading purposes.
Submit forged documents or another person’s information without authorization.
Attempt to gain unauthorized access to our website, servers or systems.
Disrupt website functionality or introduce malicious software.
Copy, reproduce or exploit website content for commercial purposes without appropriate permission.
Use the website in a way that infringes the rights of others or violates applicable law.
We may take appropriate action in response to misuse, subject to applicable law.
10. Intellectual Property
Unless otherwise indicated, the text, design, branding, graphics, logos and other content on this website are owned by or licensed to the relevant rights holder.
You may access and use the website for lawful personal and informational purposes. You may not reproduce, republish, distribute or commercially exploit protected website content without prior permission, except where permitted by law.
Third-party names, trademarks and logos remain the property of their respective owners. Their appearance on the website does not necessarily imply endorsement or partnership.
11. Website Availability and Accuracy
We aim to keep the website available and its information reasonably accurate. However, we do not guarantee uninterrupted access, error-free operation or that all published information will always be current or complete.
Financial products, lender criteria, interest rates and eligibility conditions may change without notice.
We may update, modify, suspend or discontinue website features or content where reasonably necessary, subject to applicable law.
12. Limitation of Liability
To the extent permitted by applicable law, HareKrishn Consultancy shall not be responsible for losses arising from a lender’s independent approval or rejection decision, changes to third-party financial products, third-party website content or interruptions beyond our reasonable control.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including any rights or remedies available to consumers under applicable law.
Nothing in this section removes responsibility for obligations that we have expressly undertaken or for liability that applicable law requires us to retain.
13. Indemnity
To the extent permitted by law, you may be responsible for losses or claims arising directly from your unlawful use of the website, deliberate submission of fraudulent information or infringement of another person’s rights.
This provision does not apply to the extent that the loss results from our own unlawful conduct or liability that cannot legally be transferred to you.
14. Changes to These Terms
We may revise these Terms and Conditions from time to time.
Updated terms will be published on this page with a revised effective date. Your continued use of the website after an update constitutes acceptance only to the extent recognized under applicable law.
15. Governing Law and Disputes
These Terms and Conditions are governed by the applicable laws of India.
Disputes shall be handled by the courts or other forums having jurisdiction under applicable law. Nothing in these Terms restricts any mandatory consumer rights or statutory remedies available to you.
16. Contact Information
For questions about these Terms and Conditions, please contact:
HareKrishn Consultancy
