Terms & Conditions – Sipani Advisors

Welcome to Sipani Advisors Pvt. Ltd. By accessing and using our website, services, or consulting solutions, you agree to comply with the following Terms & Conditions. Please read them carefully before proceeding

General Information

• Sipani Advisors Pvt. Ltd. provides loan advisory and financial consultancy services, including MSME loans, machinery loans, project finance, shop/office finance, CC/OD limits, and other related services.
  
• We act as consultants and facilitators between clients and financial institutions. We are not a bank or a direct lending institution.
  
• All information provided on our website is for general guidance only and should not be considered as financial, legal, or investment advice.
  

Eligibility

• Services are available only to individuals, businesses, and organizations that meet lender eligibility criteria.
  
• The final approval of any loan or financial product depends solely on the concerned financial institution.
  
• Clients must provide accurate and complete details during the application. False or misleading information may result in rejection or cancellation of services.
  

Documentation and Processing

• Clients are responsible for submitting valid and up-to-date documents required for loan processing.
  
• Sipani Advisors may assist in preparing applications, but the final decision rests with the lender.
  
• Processing time may vary based on lender requirements, documentation accuracy, and regulatory approvals.
  

Fees and Charges

• Any consultancy fees, processing charges, or third-party charges will be communicated transparently before proceeding.
  
• Clients must ensure timely payment of applicable fees. Non-payment may lead to the discontinuation of services.
  

Limitation of Liability

• Sipani Advisors does not guarantee loan approval, amount, or timeline, as these are subject to lender discretion and credit policies.
  
• We are not responsible for any financial losses, delays, or rejections arising from third-party lenders.
  
• Clients are advised to review all loan agreements and terms directly with the lender before accepting.

Privacy & Data Security

• We respect your privacy and ensure that personal and business information is handled with confidentiality.
  
• Data may be shared with partner banks, NBFCs, or financial institutions solely for loan processing purposes.
  
• For more details, please refer to our Privacy Policy.
  

Intellectual Property

• All website content, text, graphics, logos, and materials belong to Sipani Advisors Pvt. Ltd.
  
• Unauthorised use, duplication, or distribution of our content without prior consent is strictly prohibited.
  

Modifications

• Sipani Advisors reserves the right to update or modify these Terms & Conditions at any time without prior notice.
  
• Clients are encouraged to review this page periodically to stay informed.
  

Governing Law

• These Terms & Conditions are governed by the laws of India.
  
• Any disputes shall be subject to the jurisdiction of Surat, Gujarat.