This document (Hereinafter referred to as “Terms of Use/TOU”) is an electronic record in terms of existing and applicable Information Technology laws and the amended provisions thereto pertaining to the electronic records in various allied statutes as amended pursuant to the Information Technology laws. This electronic record has been generated by a computer system and does not require any authentication.
Your use of the website www.shreebhagwatisolutions.com (hereinafter referred to as “Site” or “Website”) is subject to the terms of a legal agreement between you, the user of the Website, and Shree Bhagwati Solutions (hereinafter referred to as the “Firm”). Shree Bhagwati Solutions is a proprietorship firm.
The following terms and conditions will be deemed to have been accepted by you (“User”) on mere visitation and / or usage of the services of this Website. You are requested to read them carefully before you visit / use the services of this Website.
The Firm, Shree Bhagwati Solutions, acts as a consultant for various financial products and registration services. Our services include Home Loan consultancy, Business Loan consultancy, Vehicle Loan consultancy, providing assistance in getting subsidies by explaining various government schemes to customers, ITR filing, GST registration, and Udyam registration facilities.
The Firm is not a loan distributor but has tie-ups via connector/DSA/prtner with entities like Andromeda and RU Loans for loan facilitation. The Firm is an official DSA partner of Central Bank of India, an official partner of ICICI Prudential for life insurance, and an official partner of Health Care for Health insurance. The Firm does not operate any mobile application.The firm ha official tie up with Hoogmatic
By using this Website, the User agrees to follow and be bound by the terms and conditions concerning the use of the Website. Users are responsible for obtaining access to the Website, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary to access the Website. By making use of this Website and furnishing your personal/contact details, you hereby agree that you are interested in availing the Service(s) that you have selected or inquired about. You agree that you are fully responsible for the content and information you submit.
You hereby agree that the Firm may contact you either electronically (including via WhatsApp or email) or through phone, to understand your interest in the selected products and Service(s), product announcements, and to fulfill your demand. You also agree that the Firm reserves the right to make your details available to its partners (such as banks or financial institutions for loan processing, insurance companies for policy issuance) as necessary to provide the requested services, and you may be contacted by these partners for information and for service fulfillment through email, telephone, and/or SMS, based on your consent. You agree to receive promotional materials and/or special offers from the Firm through email or SMS, from which you may opt-out.
The Firm may revise the Terms of Use at any time without notice to the User. Areas of this Website may have different terms of use posted. If there is a conflict between the Terms of Use and terms of use posted for a specific area of the Website, the latter shall have precedence with respect to the use of that area of the Website.
The Firm reserves its right to terminate/suspend a User’s access at any time if their activities are found to be in non-compliance with these Terms of Use, the Privacy Policy, or applicable laws. The provisions regarding a disclaimer of warranty, accuracy of information, and indemnification shall survive such termination. The Firm may monitor the User’s access to the Website in accordance with applicable laws and the Firm’s Privacy Policy.
The Firm collects necessary Personal Information and other data from Users primarily through WhatsApp communication, for which user consent is implicitly involved in the initiation and continuation of such communication. Our WhatsApp communication may utilize auto-disappearing message features, meaning data shared on this platform may be automatically deleted after a set interval (e.g., one month).
Data collected includes personal information, financial information, preferences, and documents required for Know Your Customer (KYC) compliance and to prepare loan files or facilitate other requested services. This data is primarily saved on our personal, local systems. We strive to minimize uploading or sharing data on central servers to enhance data protection.
In addition to information you directly provide, our Website uses cookies to enhance user experience, as detailed in the "Cookies and Advertising" section below.
Cookies: Our Website uses "cookies," which are small text files placed on your device by a web server when you access our Website. We use cookies to enhance your user experience by, for example, remembering your preferences, and helping us understand how our Website is being used. By using our Website, you consent to our use of cookies in accordance with these Terms of Use and our Privacy Policy. You can manage your cookie preferences through your browser settings. Please note that disabling cookies may affect the functionality of certain parts of our Website.
Google AdSense: We use Google AdSense to display advertisements on our Website. Google, as a third-party vendor, uses cookies to serve ads on our Site. Google's use of advertising cookies enables it and its partners to serve ads to our users based on their visit to our Site and/or other sites on the Internet. Users may opt out of personalized advertising by visiting Google's Ads Settings. Alternatively, users can opt out of some third-party vendors’ uses of cookies for personalized advertising by visiting www.aboutads.info/choices/.
Our use of cookies and advertising services like Google AdSense is also governed by our Privacy Policy, which provides more detailed information on these practices.
The User consents to the sharing of their information with third parties at the Firm’s discretion, to the extent necessary or recommended for the proper and effective provision of Services to the customer by the Firm. These third parties may include:
The Firm reserves the right to use the information to provide the User a more personalized experience. The User agrees and authorizes the Firm to share their information with its partners and other third parties, in so far as required for lawful purposes connected with the functioning of the Firm or activity of the Firm or any person on its behalf and considered necessary, thereof, for such purposes, including to provide you with various value-added services, in association with the services selected by you or otherwise.
You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
The Users may review the information provided by him/her to the Firm and request correction or amendment of any inaccurate or deficient information, as feasible.
The Firm shall not be responsible in any manner for the authenticity or accuracy of the information supplied by the User. However, the Firm shall take reasonable steps as it may deem necessary for verifying the accuracy and completeness of such Client Information before using the same.
The User consents that the Firm may transfer information to any other body corporate or a person in India, or located in any other country, that ensures a reasonable level of data protection, in accordance with the Information Technology Act, 2000 and its Rules and Regulations, if required for service delivery. The Firm will retain and use your information as necessary or recommended to comply with its legal obligations, resolve disputes, and enforce the agreements entered into for providing services.
We retain user data on our local personal systems. We avoid sharing data on central servers where possible, to best protect user data. We do not currently adhere to any particular regulatory retention period beyond what is necessary for the provision of services and compliance with general legal obligations. Data collected via cookies may have different retention periods as determined by the third-party providers (e.g., Google for AdSense cookies).
While Shree Bhagwati Solutions endeavors to protect the security of your information, we do not currently follow specific formal information security practices such as ISO 27001 compliance, and may not use advanced encryption or firewalls for all data storage. We take reasonable precautions to protect data stored on our local personal systems. For data collected by third-party services like Google AdSense, please refer to their respective security policies.
All Materials present on this Website are the exclusive property of the Firm unless otherwise stated. The software, materials, text, images, graphics, video, and audio used on this Website belong to the Firm or its licensors. No Material from this Website may be copied, modified, reproduced, republished, uploaded, transmitted, adopted, posted, or distributed in any form whatsoever without prior written permission from the Firm. All rights not expressly granted herein are reserved. Unauthorized use of the Materials appearing on this Website may violate copyright, trademark, and other applicable laws, and may result in appropriate criminal and/or civil actions.
The User agrees that no information whatsoever on the Website shall be deemed to be financial or other professional advice or a recommendation to purchase any product or service. The information provided is for general guidance. The Firm strongly advises the User to seek independent professional advice before making any financial decisions or purchasing any product or services.
The User agrees and understands that the Firm is not liable in any manner whatsoever in relation to any information or quotation presented to the User through the Website by third parties and service providers (e.g., banks, insurance companies, advertising networks). Further, the User agrees and understands that many products and services (like loans, insurance policies) as may be discussed or facilitated are ultimately offered and provided by third parties and not the Firm itself, and that the Firm as such has limited control over their final terms, approval, or provision.
In light of the same, the Firm shall not be held liable in any manner whatsoever due to any loss or damages that the User may incur while purchasing such products or availing such services from third parties. The Firm strongly advises the User to satisfy himself/herself by reviewing terms from the end providers before purchasing any product or availing any services.
The User agrees and understands that the Firm in no manner whatsoever shall be held responsible for any losses or damages arising from an inability to access the Website, from any use of the Website, or from reliance on the data transmitted through the Website where such losses or damages are caused by any event beyond the reasonable control of the Firm, including but not limited to, as a result of the nature of electronic transmission of data over the internet. The User further agrees and understands that the Firm is not responsible or liable for any direct/indirect losses or damages suffered or incurred by the User which were not reasonably foreseeable by the Firm when the User accessed/used the Website.
The User agrees to warrant that he/she has taken all possible measures to ensure that the data/information so entered into the Website or provided to the Firm is true and accurate.
The User agrees and understands that his/her telephonic conversation(s) with the Firm (through the numbers mentioned on the Website) may be monitored or recorded for quality and training purposes. This will help the Firm to train its staff and improve its services to the User. The User further agrees and understands that he/she will be charged by their concerned network provider for any calls made by him/her.
The products and services mentioned or facilitated by the Firm are examples of what may be available and do not constitute advice or a recommendation to purchase a particular product. The Firm may receive fees or commissions from certain lenders, insurers, or other partners. The Firm retains these fees and does not typically charge the User directly for the consultancy services offered via the Website unless specifically agreed upon. The Firm advises the User to be aware that it is very important that before he/she applies for a loan or an insurance product, he/she carefully reads the terms on the application form from the respective provider, which will include details of the interest rates applicable, any early prepayment charges, policy terms, coverage, exclusions, and other charges if relevant.
Unless expressly provided otherwise by the Firm, all comments, feedback, information, or Materials submitted to the Firm through or in association with this Website shall be considered to be the Firm’s property. By submitting such comments, feedback, information, or Materials to the Firm, the visitor of the Website agrees to a no-charge assignment to the Firm of all worldwide rights, title, and interest in copyrights and other intellectual property rights to the comments, feedback, information, or Materials. The Firm shall be free to use, copy, publish, or distribute such comments, feedback, information, or Materials on an unrestricted basis without any accountability or responsibility for the same to the visitor/User of the Website.
Permission is hereby granted to electronically copy and to print in hard copy, limited portions of the Materials published by the Firm in this Website for the sole purpose of using Material/information contained therein for personal information and non-commercial use only in connection with availing the Services. Except in connection with personal information and non-commercial use, none of the Contents may be copied, reproduced, distributed, republished, downloaded, displayed, posted electronically or mechanically, transmitted, adopted, recorded, in any manner mirrored, photocopied, or reproduced without the prior written permission of the Firm. Any other use of Materials/information on the Website, including any commercial use, reproduction for purposes other than that noted above, modification, distribution, or republication without the prior written permission of the Firm is strictly prohibited and may violate copyright or trademark laws, as applicable.
The User shall not, either directly or indirectly:
ALL CONTENTS ON THIS WEBSITE ARE SUBJECT TO APPLICABLE PROPRIETARY AND INTELLECTUAL RIGHTS OF THE FIRM, ITS AFFILIATED COMPANIES (IF ANY), AND OTHER THIRD PARTIES. EXCEPT AS SPECIFICALLY PERMITTED HEREIN, NO PORTION OF THE INFORMATION ON THIS WEBSITE MAY BE REPRODUCED IN ANY FORM, OR BY ANY MEANS, WITHOUT PRIOR WRITTEN PERMISSION FROM THE FIRM. VISITORS OR USERS ARE NOT PERMITTED TO MODIFY, DISTRIBUTE, PUBLISH, TRANSMIT OR CREATE DERIVATIVE WORKS OF ANY MATERIAL FOUND ON THIS WEBSITE FOR ANY PUBLIC OR COMMERCIAL PURPOSES.
You represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of India or other applicable jurisdiction and will only use the Website to make legitimate inquiries or for availing of services offered by the Firm for you or for another person for whom you are legally authorized to act (and will inform such other persons about the TOU and/or Privacy Policy of the Firm).
You shall provide true, accurate, current, and complete information about yourself and undertake to inform/update the Firm of any change in your Registration Information (if any) promptly and keep it up-to-date and accurate at all times, as it has a direct bearing on the provision of services by or through the Firm. You agree not to misrepresent your identity nor will you attempt any unlawful access to the Website or use of the services of the Firm.
This Website may provide links to other websites or resources, including those of our advertising partners. Since the Firm has no control over such third-party websites and resources, you acknowledge and agree that the Firm is not responsible for the availability of such external sites or resources, does not endorse, and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that the Firm shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such site or resource. Your interaction with any third-party link or website accessed through this Website is entirely at your own risk, and the Firm will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches, or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.
You agree and acknowledge that for undertaking any financial transaction facilitated through the Firm, the Firm and its partner institutions (like banks, insurance companies) will undertake client/customer due diligence measures and seek mandatory information required for KYC purposes, which as a customer/client you are obliged to provide. Where required, you hereby consent to and authorize the Firm and its partners to obtain your credit information through authorized entities. The Firm and its partners may obtain sufficient information to establish, to their satisfaction, the identity of each new customer, and the purpose of the intended nature of the financial or insurance relationship. You agree and understand that you shall ensure that any payment towards services or products (e.g., insurance premium) is remitted only through your bank account or from a joint bank account in which you are a joint holder, or as per the guidelines of the respective service provider.
a) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurers.
b) Any person making default in complying with the provision of section 41 of the Insurance Act, 1938 shall be liable for a penalty as may be prescribed therein from time to time.
The Firm has in place reasonable measures to protect and safeguard the information provided by the User in accordance with the Information Technology Act, 2000 and its allied Rules and Regulations, primarily through local system storage and minimizing server-based data. However, the User indemnifies the Firm from any kind of liability in case of any loss of data/information belonging to the User resulting from an event which could not have been reasonably prevented by the exercise of prudence on the part of the Firm. Our Privacy Policy can be accessed through the link provided on our website: Privacy Policy. This Privacy Policy also details our practices regarding data collected through cookies and advertising.
These Terms of Use, the construction and enforcement of its terms, and the interpretation of the rights and duties of the parties hereto shall be governed by the laws of India.
Any disputes or differences arising out of or in connection with these Terms of Use or its performance thereof shall be attempted to be resolved amicably. For privacy-related queries or grievances, please contact us at: Email: admin@shreebhagwatisolutions.com
If the matter is not resolved amicably, such disputes shall be referred to the exclusive jurisdiction of the competent courts in Ajmer, Rajasthan.