Terms & Conditions

Welcome to Shree Financial Associate. By accessing or using our website, submitting an enquiry, engaging our services, or communicating with us through any medium, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

If you do not agree with these Terms, please discontinue use of our website and services.

1. About Us

Shree Financial Associate is engaged in providing advisory, consultancy, facilitation, and assistance services in areas including but not limited to:

  • Insurance Advisory
  • Loan Assistance
  • Banking Assistance
  • Investment Guidance
  • Financial Planning
  • Real Estate Advisory
  • Property Buying and Selling Assistance
  • Other related financial and consultancy services.

The scope of services may change from time to time without prior notice.

2. Eligibility

By using our website or services, you confirm that:

  • You are legally competent to enter into a binding agreement.
  • All information provided by you is true, complete, and accurate.
  • You will promptly update any information that becomes inaccurate.

3. Nature of Services

Shree Financial Associate provides guidance, facilitation, and advisory services. Final approval, issuance of financial products, loan sanctions, insurance policies, investment acceptance, banking facilities, or property transactions remain subject to the respective institution’s, developer’s, seller’s, buyer’s, or regulatory authority’s terms, conditions, verification, and approval.

We do not guarantee approval of any application or transaction.

4. Customer Responsibilities

You agree to:

  • Provide accurate and complete information.
  • Submit genuine and valid documents.
  • Cooperate during verification processes.
  • Avoid submitting forged, fabricated, misleading, or fraudulent information.
  • Use our services only for lawful purposes.

5. No Guarantee

Shree Financial Associate does not guarantee:

  • Loan approval.
  • Insurance acceptance.
  • Investment returns.
  • Property appreciation.
  • Availability of any financial product.
  • Specific interest rates, premiums, or market values.
  • Completion of any transaction by a third party.

All decisions are subject to applicable laws, policies, and third-party approvals.

6. Third-Party Services

Our services may involve banks, insurance companies, NBFCs, investment platforms, developers, builders, property owners, government authorities, or other third parties.

Shree Financial Associate is not responsible for the acts, omissions, delays, policy changes, pricing, approvals, or decisions of any third party.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Shree Financial Associate shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or business losses arising out of:

  • Delay in processing.
  • Rejection of applications.
  • Third-party decisions.
  • Market fluctuations.
  • Investment risks.
  • Real estate market conditions.
  • Government policy changes.
  • Technical issues.
  • Force majeure events.
  • Incorrect information supplied by the customer.

8. Intellectual Property

All content on this website, including text, graphics, logos, designs, icons, layouts, and other materials, is the exclusive property of Shree Financial Associate unless otherwise stated.

No content may be copied, reproduced, modified, distributed, published, or commercially exploited without prior written permission.

9. Prohibited Conduct

Users shall not:

  • Misrepresent their identity.
  • Upload malicious software.
  • Attempt unauthorized access.
  • Use abusive, threatening, or defamatory language.
  • Submit forged documents.
  • Interfere with website operations.
  • Infringe intellectual property rights.
  • Use the website for unlawful purposes.

10. Suspension of Services

Shree Financial Associate reserves the right to suspend or terminate access to its website or services where there is suspected fraud, misuse, breach of these Terms, unlawful conduct, or any activity that may adversely affect the business, employees, partners, or customers.

11. Privacy

Your personal information will be handled in accordance with our Privacy Policy.

12. Grievance Redressal

Any grievance shall first be addressed through the Internal Grievance Redressal Mechanism published on our website before any further action, subject to applicable law.

13. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India.

14. Jurisdiction

Subject to applicable law, all disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the competent courts located in Chhatrapati Sambhajinagar (formerly Aurangabad), Maharashtra.

15. Amendments

Shree Financial Associate reserves the right to modify, amend, or update these Terms & Conditions at any time. Updated versions will become effective upon publication on this website.

16. Contact Us

Email:info@shreefinancialassociate.com

Shree Financial Associate

Chhatrapati Sambhajinagar (Aurangabad), Maharashtra, India

For any questions regarding these Terms & Conditions, please contact us through the official contact details provided on our website.

Privacy Policy

Welcome to Shree Financial Associate. Your privacy is important to us. This Privacy Policy explains how we collect, use, store, protect, and disclose your personal information when you visit our website or use our financial, insurance, investment, loan, banking, and real estate advisory services.

By using our website or services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following information:

Personal Information

  • Full Name
  • Mobile Number
  • Email Address
  • Residential or Business Address
  • Date of Birth (where required)
  • PAN, Aadhaar or other identity details (only where required and permitted by law)
  • Occupation and Employment Details
  • Income Details
  • Bank-related information required for service processing
  • Property-related information
  • Investment preferences
  • Insurance-related information

Technical Information

When you visit our website, we may automatically collect:

  • IP Address
  • Browser Type
  • Device Information
  • Operating System
  • Date and Time of Visit
  • Pages Visited
  • Cookies and Similar Technologies
  • Website Usage Analytics

2. Purpose of Collection

Your information may be used to:

  • Provide requested services.
  • Verify your identity.
  • Process enquiries and applications.
  • Assist with insurance, loans, investments, banking, and real estate services.
  • Respond to customer queries.
  • Improve our services and website.
  • Comply with legal and regulatory requirements.
  • Prevent fraud and unauthorized activities.
  • Maintain customer records.
  • Communicate service updates.

3. Sharing of Information

Your information may be shared only where necessary with:

  • Banks
  • Insurance Companies
  • NBFCs
  • Financial Institutions
  • Investment Service Providers
  • Real Estate Developers
  • Builders
  • Property Owners
  • Government Authorities
  • Regulatory Authorities
  • Legal Advisors
  • Auditors
  • Technology Service Providers

We do not sell or rent your personal information to third parties for marketing purposes.

4. Data Security

Shree Financial Associate implements reasonable administrative, technical, and organizational safeguards to protect personal information against unauthorized access, disclosure, alteration, or destruction. While we strive to protect your information, no electronic transmission or storage system can be guaranteed to be completely secure.

5. Customer Responsibilities

You are responsible for:

  • Providing accurate information.
  • Protecting your login credentials, where applicable.
  • Promptly informing us of any changes to your information.
  • Not submitting another person’s information without lawful authority or consent.

6. Cookies

Our website may use cookies and similar technologies to:

  • Improve website functionality.
  • Remember user preferences.
  • Analyse website traffic.
  • Enhance user experience.

You may disable cookies through your browser settings; however, certain features of the website may not function properly.

7. Retention of Information

We may retain your personal information for as long as necessary to:

  • Provide services.
  • Meet legal and regulatory obligations.
  • Resolve disputes.
  • Maintain business records.
  • Protect our legal rights.

8. Third-Party Websites

Our website may contain links to third-party websites. Shree Financial Associate is not responsible for the privacy practices, content, or security of those external websites.

9. Marketing Communications

With your consent or where permitted by law, we may send you updates regarding our services, products, offers, or important announcements. You may opt out of promotional communications at any time.

10. Children’s Privacy

Our website and services are intended for individuals who are legally competent to enter into contracts. We do not knowingly collect personal information from children without the consent of a parent or legal guardian where required by law.

11. Fraud Prevention

To protect our customers and business, we may verify information, detect fraudulent activity, investigate suspicious transactions, and cooperate with law enforcement or regulatory authorities where legally required.

12. Legal Compliance

We may disclose information where required to:

  • Comply with applicable laws.
  • Respond to lawful requests from courts or government authorities.
  • Protect our legal rights and interests.
  • Prevent fraud or illegal activities.
  • Enforce our Terms & Conditions.

13. Limitation of Liability

While reasonable efforts are made to safeguard personal information, Shree Financial Associate shall not be liable for losses resulting from events beyond its reasonable control, including cyberattacks, internet failures, unauthorized third-party actions, or force majeure events, except where liability cannot be excluded under applicable law.

14. Changes to this Privacy Policy

We reserve the right to update or amend this Privacy Policy at any time. The revised version will become effective upon publication on our website.

15. Contact Us

Email: info@shreefinancialassociate.com

Shree Financial Associate

Chhatrapati Sambhajinagar (Aurangabad), Maharashtra, India

If you have any questions regarding this Privacy Policy or your personal information, please contact us through the official contact details provided on our website.

16. Governing Law and Jurisdiction

This Privacy Policy shall be governed by the laws of India. Subject to applicable law, any dispute relating to this Privacy Policy shall fall within the jurisdiction of the competent courts at Chhatrapati Sambhajinagar (Aurangabad), Maharashtra.

Disclaimer

Welcome to Shree Financial Associate. This Disclaimer governs your use of our website and services. By accessing or using this website, you acknowledge that you have read, understood, and agree to this Disclaimer.

If you do not agree, please discontinue use of this website and our services.

1. General Information

The information provided on this website is intended solely for general informational, educational, and service-related purposes. While we strive to keep all information accurate and up to date, Shree Financial Associate makes no representation or warranty, express or implied, regarding the completeness, accuracy, reliability, suitability, or availability of any information, products, services, or content published on this website.

2. No Professional Guarantee

Shree Financial Associate provides advisory, consultancy, facilitation, and assistance services. Nothing on this website constitutes a guarantee of:

  • Loan approval.
  • Insurance policy issuance.
  • Investment returns or profits.
  • Property appreciation.
  • Sale or purchase of any property.
  • Availability of any financial product.
  • Specific interest rates, premiums, or processing timelines.

All approvals and decisions remain subject to the policies and discretion of the relevant banks, financial institutions, insurance companies, developers, sellers, buyers, government authorities, regulators, or other third parties.

3. Investment Risk

Investments are subject to market risks. The value of investments may rise or fall due to market conditions, economic factors, regulatory changes, and other circumstances. Past performance is not a guarantee of future results.

Users should carefully evaluate their financial objectives, risk tolerance, and personal circumstances before making investment decisions.

4. Real Estate Disclaimer

Real estate prices, project approvals, title status, availability, government regulations, taxes, stamp duty, registration charges, and market conditions may change without notice.

Customers are responsible for conducting independent legal, financial, and technical due diligence before entering into any property transaction.

Shree Financial Associate does not guarantee future appreciation, rental income, resale value, or investment performance of any property.

5. Insurance Disclaimer

Insurance policies are issued solely by the respective insurance companies and are governed by their policy terms, underwriting guidelines, exclusions, and applicable regulations.

Acceptance or rejection of insurance proposals is entirely at the discretion of the insurer.

6. Loan and Banking Disclaimer

Loan approvals, interest rates, repayment terms, processing charges, eligibility, documentation requirements, and disbursement are determined exclusively by the respective banks, NBFCs, or financial institutions.

Shree Financial Associate cannot influence or guarantee approval or disbursement.

7. Third-Party Information

Our website may contain information, advertisements, links, or references relating to third-party products, services, or websites.

Such references do not constitute an endorsement or guarantee by Shree Financial Associate. We are not responsible for the content, accuracy, availability, privacy practices, or policies of any third-party website or service.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Shree Financial Associate, its proprietors, directors, employees, consultants, representatives, agents, affiliates, and business associates shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary loss or damage arising out of or in connection with:

  • Use of this website.
  • Reliance on website information.
  • Delays in processing.
  • Loan or insurance rejection.
  • Market fluctuations.
  • Investment losses.
  • Property disputes.
  • Technical failures.
  • Data loss.
  • Cyber incidents.
  • Third-party actions.
  • Government policy changes.
  • Force majeure events.

Nothing in this Disclaimer excludes liability where such exclusion is prohibited by law.

9. Customer Responsibility

Users are solely responsible for:

  • Verifying all information before acting upon it.
  • Providing accurate documents and information.
  • Reviewing all agreements before signing.
  • Seeking independent legal, financial, tax, or technical advice whenever appropriate.

10. Website Availability

While reasonable efforts are made to ensure uninterrupted access, we do not guarantee that the website will always be available, error-free, secure, or free from viruses or other harmful components.

11. Intellectual Property

All content on this website, including text, graphics, logos, images, designs, layouts, trademarks, and other materials, is the intellectual property of Shree Financial Associate unless otherwise stated.

Unauthorized copying, reproduction, distribution, modification, or commercial use is strictly prohibited.

12. Fraud Warning

Shree Financial Associate never requests confidential information, OTPs, PINs, passwords, CVV numbers, or internet banking credentials through unsolicited calls, emails, or messages.

Customers should immediately report any suspected fraud or impersonation.

13. No Waiver

Failure by Shree Financial Associate to enforce any provision of this Disclaimer shall not constitute a waiver of any rights or remedies.

14. Amendments

Shree Financial Associate reserves the right to modify, update, or replace this Disclaimer at any time without prior notice. Continued use of the website constitutes acceptance of the revised Disclaimer.

15. Governing Law and Jurisdiction

This Disclaimer shall be governed by the laws of India.

Subject to applicable law, all disputes relating to this Disclaimer or the use of this website shall be subject to the exclusive jurisdiction of the competent courts at Chhatrapati Sambhajinagar (formerly Aurangabad), Maharashtra.

16. Contact Us

Email: info@shreefinancialassociate.com

Shree Financial Associate

Chhatrapati Sambhajinagar (Aurangabad), Maharashtra, India

For questions relating to this Disclaimer, please contact us using the official contact details available on our website.

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