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Terms and Conditions

Please read these terms carefully before using our services

1. Introduction

Welcome to Singhal Associates. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our services.

Singhal Associates ("we," "us," or "our") is a professional loan and finance advisory firm providing financial advisory services, loan facilitation, and related services to businesses and individuals.

2. Services

We provide the following services:

  • Business Loans and Financing Advisory
  • Housing and Property Loans
  • Loan Against Property
  • Project Finance Advisory
  • Portfolio Management Services
  • Investment Planning
  • Documentation and Compliance Support
  • Legal and Taxation Compliance Services

Our services are advisory in nature. We facilitate connections between clients and financial institutions but do not guarantee loan approval or specific terms. Final approval and terms are at the sole discretion of the lending institutions.

3. Client Responsibilities

3.1 Accurate Information

You agree to provide accurate, complete, and truthful information in all communications and documentation. Providing false or misleading information may result in termination of services and may have legal consequences.

3.2 Documentation

You are responsible for providing all necessary documents as requested by us or the lending institutions. Delays in providing documentation may affect the processing time of your application.

3.3 Cooperation

You agree to cooperate fully with our team and the lending institutions throughout the application and approval process.

4. Fees and Charges

4.1 Service Fees

Our service fees, if applicable, will be clearly communicated to you before the commencement of services. Fees may vary based on the type and complexity of the service requested.

4.2 Third-Party Charges

You are responsible for all fees, charges, and costs imposed by lending institutions, including but not limited to processing fees, administrative charges, and interest rates. These are separate from our advisory fees.

4.3 Payment Terms

Payment terms will be agreed upon in writing before services commence. Failure to pay agreed fees may result in suspension or termination of services.

5. No Guarantee of Approval

Important: We do not guarantee loan approval, specific interest rates, loan amounts, or terms. All lending decisions are made solely by the financial institutions based on their internal policies, credit assessment, and regulatory requirements.

We will use our best efforts to:

  • Match you with suitable lenders based on your profile
  • Prepare and present your application professionally
  • Facilitate communication with lenders
  • Provide guidance throughout the process

6. Confidentiality

We maintain strict confidentiality regarding all client information and financial data. We will not disclose your information to third parties except:

  • As necessary to provide our services (e.g., sharing with potential lenders)
  • As required by law or regulatory authorities
  • With your explicit written consent

For more details, please refer to our Privacy Policy.

7. Limitation of Liability

To the maximum extent permitted by law:

  • We shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of our services
  • Our total liability shall not exceed the fees paid by you for the specific service in question
  • We are not responsible for decisions made by lending institutions
  • We are not liable for delays caused by third parties, including lending institutions

8. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Singhal Associates and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or use our content without our prior written permission.

9. Termination

9.1 By You

You may terminate our services at any time by providing written notice. Fees for services already rendered will remain due and payable.

9.2 By Us

We may terminate our services if:

  • You breach these Terms
  • You provide false or misleading information
  • You fail to pay agreed fees
  • We determine, in our sole discretion, that we cannot continue providing services

10. Dispute Resolution

Any disputes arising from these Terms or our services shall be resolved through:

  • Negotiation: Parties will attempt to resolve disputes through good faith negotiation
  • Mediation: If negotiation fails, disputes will be referred to mediation
  • Jurisdiction: All disputes are subject to the exclusive jurisdiction of courts in Jaipur, Rajasthan, India

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

We recommend reviewing these Terms periodically to stay informed of any updates.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of India. Any legal proceedings shall be subject to the exclusive jurisdiction of courts in Jaipur, Rajasthan, India.

13. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

14. Acknowledgment

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these Terms, please discontinue use of our services immediately.