Effective Date: 11 October 2025
Company Name: Aarya Associate
Address: Sohrab Hall, Pune, Maharashtra, India
Email: pansareamit45@gmail.com
1. Introduction
Welcome to Aarya Associate.
These Terms and Conditions (“Terms”) govern your use of our website and services, including all loan consultation, documentation, and financial assistance provided by Aarya Associate.
By accessing our website or availing our services, you agree to comply with these Terms. Please read them carefully before proceeding. If you do not agree with any part of these Terms, you should not use our services.
2. Nature of Our Business
Aarya Associate is a financial consultancy firm that helps customers apply for and secure different types of loans — such as Personal Loans, Home Loans, Mortgage Loans, Business Loans, and Doctor Loans — through various banks, NBFCs, and financial institutions.
We act strictly as a loan facilitator or intermediary, not as a direct lender.
All final decisions regarding loan approval, amount, tenure, and interest rate are made solely by the respective bank or lending partner.
3. Eligibility
To use our services, you must:
- Be 18 years or older
- Be an Indian citizen or resident
- Provide accurate, truthful, and verifiable information
- Have a valid PAN, Aadhaar, and income proof (as applicable)
Aarya Associate reserves the right to reject or discontinue services to any individual who fails to meet eligibility requirements or provides false information.
4. Services Offered
We provide assistance in the following areas:
- Loan consultation and eligibility checks
- Document collection and verification support
- Submitting loan applications to banks/NBFCs
- Follow-up and coordination until approval or disbursement
- Customer support and guidance throughout the loan process
Please note that Aarya Associate does not guarantee loan approval. The decision fully depends on the bank’s internal policy and credit assessment.
5. No Guarantee or Financial Advice
While we strive to connect you with the best possible loan options, we do not guarantee:
- Loan approval or sanction
- Specific loan amounts or interest rates
- Timely disbursement by the bank
Our role is to assist and guide you. All loan decisions rest entirely with the financial institutions we are partnered with.
Aarya Associate does not provide investment advice or any form of financial guarantee.
6. Client Responsibilities
You, as the client, agree to:
- Provide accurate, up-to-date, and complete information
- Submit authentic documents (PAN, Aadhaar, ITR, property papers, etc.)
- Respond promptly to any queries or requirements during the loan process
- Not misuse or misrepresent Aarya Associate’s name, logo, or services
If you provide false, incomplete, or misleading information, Aarya Associate holds the right to terminate services immediately and report the issue to the concerned authorities or partner institutions.
7. Service Fees and Payments
Depending on the type of loan or service, Aarya Associate may charge:
- Consultation fees, or
- Processing fees for documentation and application assistance
All fees, if applicable, will be informed clearly before service initiation.
Refund Policy:
Once the loan process has started or documents are submitted, fees are non-refundable, regardless of the loan approval status, as our work and effort are already invested in processing your application.
8. Data Collection and Confidentiality
We respect your privacy. All personal and financial information shared with us is handled with strict confidentiality and in accordance with our Privacy Policy.
Your data may be shared only with:
- Banks, NBFCs, or credit bureaus for loan verification and approval
- Government or legal authorities (if required by law)
Aarya Associate will never sell or misuse your data for any other purpose.
9. Communication and Contact
By using our services, you authorize Aarya Associate to contact you via:
- Phone calls, SMS, or WhatsApp messages
- Emails or online notifications
These communications may include loan updates, follow-ups, or promotional information about our services.
You can opt out of promotional communication anytime by emailing pansareamit45@gmail.com.
10. Limitation of Liability
Aarya Associate is a facilitator and not responsible for:
- Loan rejection or delay by the bank/NBFC
- Change in loan terms, interest rates, or approval conditions
- Financial losses, penalties, or damages arising from third-party actions
- Any technical issues or errors on the website
We take every effort to ensure accuracy but cannot be held liable for circumstances beyond our control — including delays, policy changes by lenders, or network errors.
11. Disclaimer
All services and content provided on our website are for informational purposes only.
While we make every effort to ensure accuracy, Aarya Associate does not guarantee the completeness or reliability of any information related to loan products, eligibility, or interest rates.
Loan terms and offers are subject to change without prior notice and are governed by the lender’s policies.
12. Fraud and Misrepresentation
If any client is found to:
- Submit fake documents,
- Provide false financial details, or
- Engage in any fraudulent activity,
Aarya Associate reserves the right to immediately terminate the service, forfeit any fees paid, and report the matter to law enforcement or the concerned financial institution.
13. Intellectual Property Rights
All materials on the Aarya Associate website, including text, graphics, logos, and design, are the intellectual property of Aarya Associate.
You may not copy, reproduce, or use our materials without prior written consent.
Any unauthorized use of our brand name or materials may result in legal action.
14. Third-Party Links
Our website may contain links to external websites or financial partners.
Aarya Associate is not responsible for the content, accuracy, or privacy practices of these external sites.
Visiting third-party links is at your own discretion and risk.
15. Termination of Services
Aarya Associate may suspend or terminate services at any time if:
- A client fails to comply with these Terms
- False information or documents are provided
- Misuse or disrespectful communication occurs
- Fraud or illegal activity is suspected
In such cases, no refund will be issued for any service fees paid.
16. Indemnification
You agree to indemnify and hold harmless Aarya Associate and its employees from any claims, losses, damages, or expenses arising from:
- Misuse of our services
- Breach of these Terms
- Violation of any law or rights of a third party
This clause ensures that any legal or financial consequences caused by your actions will not be borne by Aarya Associate.
17. Governing Law and Jurisdiction
These Terms and Conditions are governed by the laws of India.
In case of any dispute, the matter shall be subject to the exclusive jurisdiction of Pune courts only.
18. Changes to Terms and Conditions
Aarya Associate may update or modify these Terms at any time without prior notice.
Any changes will be posted on our website with an updated Effective Date.
It is your responsibility to review these Terms regularly.
19. Contact Information
For any queries, complaints, or clarifications regarding these Terms and Conditions, please contact:
Aarya Associate
📍 Sohrab Hall, Pune, Maharashtra, India
📧 Email: pansareamit45@gmail.com
📅 Effective Date: 11 October 2025
20. Acceptance of Terms
By visiting our website, filling out any loan application, or availing our services, you acknowledge that:
- You have read, understood, and agreed to these Terms and Conditions.
- You are providing accurate and truthful information.
- You understand that Aarya Associate acts as a facilitator and not as a lender.
Your continued use of our services indicates your acceptance of all the terms mentioned above.