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 and 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 & 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 & 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.
  
• Unauthorized 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.