Terms and Condition
INTRODUCTION

These terms and conditions ("Terms") are entered into between you (“you” or “user”) and Shree Consultants & Shree Group Of Companies for accessing, registration and interacting with our website, mobile application and any other technology platform owned and operated by us (“Platform”).

This document / contract / understanding is an electronic record published in accordance with the provisions of the Information Technology Act, 2000 and rules made thereunder as applicable and the amended provisions pertaining to electronic records in various statutes as may be amended by the Information Technology Act, 2000 from time to time. This electronic record is generated by a computer system and does not require any physical or digital signatures.

By continuing to use or access of the Platform, you agree to be bound by these Terms. If you do not agree to these Terms, you are advised to not use or access the products on the Platform.

Your access of the Platform signifies your acceptance of these Terms. We reserve the right to modify these Terms at any time without notice, and your continued access of the Terms after any modifications will constitute your acceptance of such modifications.

DEFINITIONS

Capitalised terms not defined in the Terms shall mean as follows:

  • "Affiliate(s)" shall mean with respect to Shree Consultants & Shree Group Of Companies, any person directly or indirectly controlling, controlled by, or under direct or indirect common control of Shree Consultants & Shree Group Of Companies including its subsidiaries and associate companies.
  • "Agreement" means the Terms and privacy policy of Shree Consultants & Shree Group Of Companies including references to this Agreement as amended, novated, supplemented, varied or replaced from time to time.
  • "Content" means all text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code collectively.
  • "Force Majeure Event" means any event due to any cause beyond the reasonable control of Shree Consultants & Shree Group Of Companies, including, without limitation, unavailability of any communication system, breach or virus in the systems, fire, pandemic, flood, explosion, acts of god, civil commotion, riots, insurrection, war, acts of government.
  • “Shree Consultants & Shree Group Of Companies” or “we” or “us” or “our” shall mean Shree Consultants & Shree Group Of Companies, a non-banking finance company incorporated under the provisions of the Companies Act, 1956 with CIN U65990TN2020PTC139421, having its registered office at #141, 2nd floor, 8th Street, AVM Avenue, Virugambakkam, Chennai - 600092.“KYC” shall mean Know Your Customer.
  • “Person” shall mean any natural person, company, corporation, partnership, proprietorship, trust, union, association, government or any agency thereof or any other entity that may be treated as a person under applicable law.
  • "Platform" means the website, mobile application and any other technology platform owned and operated by Shree Consultants & Shree Group Of Companies.
  • “RBI” shall mean Reserve Bank of India.
  • "Service(s)"shall mean all services extended by the subsidiaries and group companies of Shree Consultants & Shree Group Of Companies through its Platform or otherwise.
  • “User” or “you” shall mean any natural or legal person who accesses or uses the Platform and in the event that a natural person is representing a business entity or a body corporate, reference to such terms shall include a reference to such business entity and / or body corporate as well and other promoters of such business entity and / or body corporate. All references to “you” shall include yourself and any other persons you are authorised to and required to provide consent for.
REPRESENTATION AND WARRANTIES

By accessing, logging in, browsing, or using the Platform, you hereby represent and warrant that:

  • You are a resident of India.
  • You are over 18 years of age.
  • You are duly authorized, either individually or as an authorized signatory of an entity.
  • You have the capacity to enter into a legally binding agreement.
  • You are not barred or legally prohibited from accessing or using the Platform.
  • You acknowledge and agree that we own all legal rights, titles and interests in and to the Services, including any intellectual property rights which subsist in the Services.
  • You understand that you do not have the right to use any of our trade names, trademarks, service marks, logos and domain names. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You will not copy or transmit any of the Services.
  • You hereby understand and acknowledge that the information requested from you is used for the various purposes as set out in our Privacy Policy as well as compliance with various laws, regulations and guidelines (including Reserve Bank of India (Know Your Customer (KYC)) Directions, 2016 and Prevention of Money Laundering Act, 2002) promulgated by the Government of India from time to time.
  • You will remain responsible for all actions taken through your system, username, and password.
  • The information provided by you is true and correct.
  • You shall keep us updated of any change in the information provided on the Platform.
  • You are not a politically exposed person under Prevention of Money Laundering Act, 2002 and Reserve Bank of India (Know Your Customer (KYC)) Directions, 2016.
PROPRIETARY RIGHTS

The software and hardware that support the Platform, as well as other Internet-related software necessary for accessing the Platform, are solely our property and/ or our authorised third-party service providers.

Your permission to access the Platform does not grant you any proprietary or ownership rights in the aforementioned software / hardware. You are prohibited from attempting to modify, translate, disassemble, reproduce, decompile, or reverse engineer the software / hardware underlying the Platform or creating any derivative products based on the software/hardware. You shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of the Platform and all charges related thereto.

OBLIGATIONS OF THE USER
  • Review of Terms:- It is your responsibility to thoroughly review these Terms on a periodic basis.
  • Use of Information and Materials.:- The Content contained on this Platform is provided for general information only and should not be used as a basis for making business / commercial decisions. You are advised to exercise due caution and / or seek independent financial advice before availing any facility or entering into any financial obligation based on the Content contained on this Platform.
  • Availability and Eligibility:- The information and data contained in this Platform does not constitute an offer to buy or sell or solicitation of an offer to buy or sell any services in any jurisdiction other than India.
LINKS TO THIRD-PARTY PLATFORMS

The Platform may contain links to third-party platforms. We do not control or endorse the content, privacy policies, or practices of such third-party platforms. You are advised to access such third party links at your own risk, and we shall not be responsible for any third-party platforms or the content, products, or services they offer. The content, accuracy, opinions expressed, and other links provided by other third‐ party sites are not verified, monitored, or endorsed by us in any manner. The Platform has been provided on an “as is” and “as available” basis. Accordingly, we encourage you to read and understand the terms and privacy policy of such third party platform upon being redirected from our Platform.

REGISTRATION

While registering on our Platform, you commit to furnishing accurate and comprehensive information. It is your responsibility to maintain the accuracy and completeness of this information. We reserve the right to suspend or terminate your account and deny access to the Platform (or any part of it) if there is suspicion or evidence of false or incomplete information provided by you.

CONTENT POSTED ON THE PLATFORM

You are solely responsible for the Content you post on the Platform. You must ensure that all your content complies with the Terms and Appliable Laws and does not infringe or violate any person's legal rights. You retain any and all of your rights to any content you submit, post or display on the Platform and you are responsible for protecting those rights. Shree Consultants & Shree Group Of Companies takes no responsibility and assumes no liability for content you or any third party (through you) posts on the Platform. We may review, edit, or delete the Content that violates these Terms or is offensive, illegal, or harmful. By posting Content on the Platform, you understand that it will become a public disclosure of such Content by you and you grant Shree Consultants & Shree Group Of Companies a worldwide, irrevocable, perpetual, non-exclusive license to use, copy, display, and distribute that Content.

USER CONDUCT

You acknowledge that all images, information, data, text, software, graphics, video, messages, or other Content, whether publicly posted or privately transmitted by you, are your sole responsibility. This means that you, and not Shree Consultants & Shree Group Of Companies, shall bear full responsibility for all Content uploaded or posted by users on the Platform. We do not exercise control over User-generated Content on the Platform and, therefore, cannot guarantee the accuracy, integrity, or quality of such Content. By using the Platform, you acknowledge the possibility of exposure to offensive, indecent, or objectionable Content uploaded.

In no event shall we be liable in any way for any Content, including but not limited to errors or omissions in any Content, or for any loss or damage of any kind resulting from the use of any User’s Content posted, sent, transmitted, or made available on or through the Platform.

You agree not to use the Platform to host, display, upload, modify, publish, transmit, update, or share information that:

  • Belongs to another person without proper authorization.
  • Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libelous, threatening, abusive, vulgar, tortious, invasive of another's privacy, hateful, racially or ethnically objectionable, disparaging, related to money laundering, gambling, or otherwise unlawful.
  • Relate to or harms minors in any manner.
  • Infringes or violates or misappropriates upon any patent, trademark, copyright, trade secrets, confidential information, or other proprietary rights.
  • Threatens the unity, integrity, defense, security, or sovereignty of India, friendly relations with foreign states, public order, or incites the commission of any cognizable offense.
  • Impersonates any person or entity, including but not limited to Shree Consultants & Shree Group Of Companies, its officials, directors, or employees, or falsely represents your affiliation with any person or entity.
  • Forges headers or manipulates identifiers to conceal the origin of Content transmitted through the Platform.
  • Uploads, posts, sends, transmits, or otherwise makes available any Content that you do not have the right to share under any law or contractual or fiduciary duty/relationships.
  • Distributes unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation.
  • Uploads, posts, sends, transmits, or otherwise makes available any material containing software viruses, malware, or any other computer code designed to disrupt or harm computer software, hardware, or telecommunications equipment.
  • Interferes with or disrupts the Platform or servers or networks connected to the Platform, or violates any network requirements, procedures, policies, or regulations.
  • Edits Content to wrongfully, illegally, or without consent, replace identities of individuals.
  • Intentionally or unintentionally violates any applicable local, state, national, or international laws, rules of any national or other securities exchange, or regulations with the force of law.
  • Collects or stores personal data about other users.
  • Uploads, posts, sends, transmits, or otherwise makes available any images or other Content of individuals without their knowledge or consent.
  • Engages in any reproduction, duplication, copying, selling, trading, reselling, or exploitation of any portion of the Platform, use of the Platform, or access to the Platform for commercial purposes.
  • Except for web browser software and applications formally approved by Shree Consultants & Shree Group Of Companies in writing, you agree not to use any software, program, or device to automate access to or data retrieval from the Platform.
  • You will not employ automated systems such as "robots," "spiders," "scrapers," or "offline readers" to access the Platform.
  • You shall not collect personally identifiable information, including account names, from the Platform or use it for commercial solicitation.
  • You shall refrain from indulging in the following acts while accessing the Platform:
    • Using the Platform for illegal or offensive purposes.
    • Attempting to compromise system integrity or security.
    • Overloading the infrastructure with excessive actions.
    • Uploading malicious software or viruses.
    • Impersonating others or engaging in fraudulent activities.
    • Interfering with the Platform's proper operation.
    • Bypassing access restrictions.
    • Attempting to reverse engineer or discover source code.
TERMINATION

We reserve the right to permanently or temporarily terminate, suspend, or deny access to the Platform without notice or liability for violations of the Terms or the provision of Platform to you, is no longer commercially viable or feasible for us.

ACCESS

We reserve the right to withdraw or amend the Platform without notice. We shall not be responsible for interruptions or cessation of the Platform and the Services. We may restrict access to some parts of the Platform to Users from time to time for maintenance and other purposes. We make no warranties regarding, the access, speed, or availability of internet in general or the Platform in particular. The Platform is controlled from India, and users from other jurisdictions must comply with Indian laws.

Your responsibilities for accessing the Platform include:

  • Ensuring access to the Platform is appropriately arranged.
  • Ensuring that all individuals accessing the Platform through your internet connection or device are informed about and compliant with the Terms.
  • Providing accurate, current, and complete information when prompted for registration or other details to access the Platform's resources. Your usage of the Platform is subject to the accuracy and completeness of the information you provide. This information is also governed by our Privacy Policy, and you consent to our actions regarding your information in line with the Privacy Policy.
  • Acknowledging our right to disable any username, password, or identifier, whether chosen by you or provided by us, at our sole discretion, for any reason, including if, in our judgment, you have violated any provision of the Terms.
OWNERSHIP OF INTELLECTUAL PROPERTY RIGHTS

We and our authorised partners retain exclusive rights and ownership on the Platform content (except user content and third party owned content), and the features and functionality of the Platform. You may not use, copy, or reproduce these materials without prior written consent. All intellectual property rights are protected under applicable laws.

The Content on the Platform including but not limited to text, photographs, graphics, video and audio Content, financial data, news, research, recommendations, and opinions, is protected by copyright in favour of us under applicable copyright laws and is also safeguarded under general intellectual property law.

Third-party content appearing on the Platform is the property of their respective owners and we do not assert any rights in relation to the same. Such third-party content is used by us either on the basis permission from the third-party or pursuant fair use provisions.

WARRANTY DISCLAIMER

The Platform and its Content are provided "as is" and "as available." We disclaim all warranties, express or implied, regarding the accuracy, timeliness, or completeness of the Platform's Content. We are responsible for any errors, interruptions, or damages resulting from the access of the Platform.

The information provided are for general information purposes. We encourage that you seek advise of your advisors regarding any product you wish to apply for on the Platform. Decisions based on the information contained within the Platform are your sole responsibility.

We do not guarantee that:
  • The Platform's services will meet your requirements.
  • Products, services, information, or materials sourced or obtained through the Platform will meet your expectations.
  • Results obtained from the Platform will be accurate or reliable.
  • Products and services mentioned on the Platform are fit for a particular purpose.
  • We provide no guarantee against the possibility of data deletion, mis-delivery, or storage failure.
  • We do not endorse or guarantee third-party products or services advertised on the Platform. We shall not be responsible for transactions between you and our third-party providers.
  • Any identified defects will be corrected, that the Platform is free from viruses or other malicious, destructive or corrupting code, non- infringement of third-party rights, title, merchantability, data accuracy and completeness, satisfactory quality and /or fitness for a particular purpose.
INDEMNITY

We shall not be liable in case you breach any terms or conditions provided under the Privacy Policy or these Terms and will not be obligated to indemnify you for any direct or indirect losses accruing to you. You agree to indemnify, defend and hold harmless us, our affiliates, group companies and our directors, officers, employees, agents, third party service providers, and any other third party providing any service to us in relation to the Services whether directly or indirectly, from and against any and all losses, liabilities, claims, damages, costs and expenses (including legal fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by us that arise out of, result from, or may be payable by virtue of, any breach or non-performance of any terms of the Terms including any representation, warranty, covenant or agreement made or obligation to be performed by You pursuant to the Terms.

LIMITATION OF LIABILITY

IN NO EVENT SHALL Shree Consultants & Shree Group Of Companies, ITS OFFICERS, DIRECTORS AND EMPLOYEES, OR ITS CONTRACTORS, AGENTS, LICENSORS, PARTNERS, OR SUPPLIERS BE LIABLE TO YOU FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, RELIANCE, OR EXEMPLARY DAMAGES (INCLUDING WITHOUT LIMITATION LOST BUSINESS OPPORTUNITIES, LOST REVENUES, OR LOSS OF ANTICIPATED PROFITS OR ANY OTHER PECUNIARY OR NON-PECUNIARY LOSS OR DAMAGE OF ANY NATURE WHATSOEVER, INCLUDING BUT NOT LIMITED TO ABUSE OR BREACH OF DATA), EVEN IF Shree Consultants & Shree Group Of Companies OR AN AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR RELATING TO (I) THESE TERMS, (II) THE PLATFORM, (III) YOUR USE OR INABILITY TO USE THE PLATFORM; OR (IV) ANY OTHER INTERACTIONS WITH ANOTHER USER IN CONNECTION WITH THE PLATFORM.

ASSIGNMENT

These Terms may not be transferred or assigned by you but may be assigned by us to any third party without restriction.

FORCE MAJEURE

We shall not be liable for any failure to perform any of its obligations under the Terms or provide the Services or any part thereof if the performance is prevented, hindered or delayed by a Force Majeure Event and in such case its obligations shall be suspended for so long as the Force Majeure Event continues.

GOVERNING LAW

The Terms shall be governed by the laws of India, regardless of your actual location. You agree to the exclusive jurisdiction of Chennai,Tamilnadu India.

Disputes under the Terms shall be resolved through arbitration governed by the Arbitration and Conciliation Act, 1996. The seat of arbitration shall be Chennai. The arbitration shall be conducted in English language, The arbitrator’s award is final, and costs for the arbitration shall be borne by the User.

NOTICES

All legal notices or demands to or upon us shall be made in writing and sent by courier, certified mail, or electronic email to the following entity and address: Registered Office: #141, 2nd floor, 8th Street, AVM Avenue, Virugambakkam, Chennai - 600092., or email at: connect@shreeconsultants.in. The notices shall be effective when they are received by us in any of the above-mentioned manner.

All legal notices or demands to or upon a User shall be effective if either delivered personally, sent by courier, certified mail, by email to the last-known correspondence address or email address provided by the User to us, or by posting such notice or demand on an area of the Platform that is publicly accessible without a charge. Notice to a User shall be deemed to be received by such User if and when, a) We are able to demonstrate that communication, whether in physical or electronic form, has been sent to such User, or b) immediately upon us posting such notice on an area of the Platform that is publicly accessible without charge.

ENTIRE AGREEMENT / SEVERABILITY

These Terms, along with the Privacy Policy, legal disclaimers, and other legal notices on the Platform, constitute the entire agreement between you and us.

If any provision is deemed invalid by a court of competent jurisdiction, it won't affect the validity of the remaining provisions, which remain in full force.

COOKIES

We use cookies on our website for analysis, offering financial tools and digital lending, providing unique content, and enhancing user experience.

USAGE OF PERSONAL INFORMATION

Your personal information provided to us through the Platform will only be used and protected in accordance with our Privacy Policy.

BREACH OF THE TERMS

These Terms of constitute a legally binding contract between you and Shree Consultants & Shree Group Of Companies. Please read them carefully and ensure you understand and agree to the Terms before accessing the Platform. If you have any questions or concerns, please contact us at connect@shreeconsultants.in Without prejudice to Shree Consultants & Shree Group OfCompanies’ other rights under these Terms, if you breach these Terms in any way or if Shree Consultants & Shree Group Of Companies suspects that you have breached the Terms in any way, then Shree Consultants & Shree Group Of Companies shall be entitled to take such action as it may deem necessary.

GRIEVANCE REDRESSAL

Any grievances which you may have shall be taken into consideration in accordance with our grievance redressal mechanism policy which can be sent to connect@shreeconsultants.in

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