Please read these terms carefully before using our website or services.
By accessing or using the Shanmukha Finance website (shanmukhafinance.com) or any associated services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services. We reserve the right to modify these terms at any time, and continued use constitutes acceptance of any changes.
Shanmukha Finance operates as a loan facilitation, advisory, referral, and customer support service provider. Our services include:
Shanmukha Finance is not a bank, NBFC, or registered lending institution. We do not directly lend money, hold gold collateral, set interest rates, determine loan eligibility, or make approval decisions. All lending functions remain exclusively with the respective financial institution.
Submission of any enquiry, application, or request through Shanmukha Finance does not guarantee:
All approval decisions, interest rates, valuations, documentation requirements, and loan terms are determined solely by the respective lending institution based on their internal policies and applicable regulations.
Use of our services is available to individuals who are at least 18 years of age and capable of entering into legally binding agreements under applicable Indian law. By using our services, you represent and warrant that you meet these requirements.
You agree to provide accurate, complete, and truthful information when submitting enquiries or communicating with our team. Providing false or misleading information may result in refusal of services and may have legal consequences under applicable laws.
You agree not to use our website or services to: violate any applicable laws or regulations; transmit fraudulent, misleading, or harmful information; attempt unauthorized access to our systems; distribute viruses, malware, or harmful content; or use our services for any unlawful purpose.
All content on this website including text, graphics, logos, images, and software is the property of Shanmukha Finance or its content suppliers and is protected by applicable intellectual property laws. Unauthorized reproduction, distribution, or use is prohibited.
Our website may contain links to third-party websites. Shanmukha Finance has no control over and assumes no responsibility for the content, privacy policies, or practices of third-party websites. We encourage users to review the terms and privacy policies of any website they visit.
To the maximum extent permitted by applicable law, Shanmukha Finance shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from use of this website or services, including but not limited to loan rejection, financial loss, data loss, or business interruption.
The Company's total liability for any claim arising from use of our services shall not exceed the facilitation fees, if any, paid to the Company for the specific service giving rise to such claim.
You agree to indemnify and hold harmless Shanmukha Finance, its officers, directors, employees, and agents from any claims, liabilities, damages, costs, or expenses (including legal fees) arising from your use of our services, violation of these terms, or violation of any applicable law.
These Terms and Conditions are governed by the laws of India. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts located in Hyderabad, Telangana, India.
We reserve the right to refuse, suspend, or terminate services to any user at our sole discretion without prior notice if we determine that a user has violated these terms or applicable laws.
For questions regarding these Terms and Conditions, contact us at info@shanmukhafinance.com or call 72229 44494.
Important: Shanmukha Finance acts as a facilitator, not a lender. All lending decisions, valuations, and terms are determined solely by the respective financial institution. Use of our services does not guarantee any specific financial outcome.