Terms and Conditions

Welcome to Borrowers Consultancy. Please read these Terms and Conditions (“Terms”) carefully before using our website, services, or any content made available through www.borrowersconsultancy.com (“Website”).

By accessing or using our Website, you agree to be bound by these Terms. If you do not accept these Terms in full, you may not use the Website or any services offered herein.

1. About Borrowers Consultancy

Borrowers Consultancy is a private consultancy platform that provides borrowers with practical, legal, and procedural guidance related to loan management at various stages — including Pre-loan, Pre-NPA, and Post-NPA stages. We provide general advice, legal content, frequently asked questions (FAQs), and personalized consultations with subject matter experts.

2. No Legal Relationship or Representation

All information and consultation provided through this Website is for informational and educational purposes only. It does not create a lawyer-client, consultant-client, or advisor-borrower relationship.
We do not represent clients before banks, financial institutions, or courts.

Always consult your personal lawyer or financial advisor before taking any legal or financial decisions based on our content.

3. User Responsibilities

By using our Website, you agree:

To provide accurate and truthful information while submitting queries or forms
Not to misuse the Website or services for unlawful, fraudulent, or unethical purposes
Not to upload any harmful code, malware, or scripts
Not to impersonate another person or organization
Not to copy, reproduce, or resell any part of the Website or content without prior permission

We reserve the right to suspend or ban access for any user found violating these terms.

4. Intellectual Property

All materials on this Website including logos, text, design, FAQs, articles, and graphics are the exclusive intellectual property of Borrowers Consultancy unless otherwise credited. Unauthorized use, copying, or distribution is prohibited.

You may view, download, or print content for personal, non-commercial use only.

5. Consultations and Opinions

We may provide you with personalized guidance or opinions via forms, email, or online consultations. These are:

Based on the information provided by you
General in nature and not a substitute for professional legal advice
Non-binding and offered in good faith

We do not guarantee outcomes or results based on such advice.

6. Third-Party Links

Our Website may include references or links to third-party websites, tools, or documents (e.g., Acts, Rules, Court judgments). These are for convenience only. We do not control or endorse these websites and are not responsible for their content, privacy policies, or practices.

7. Disclaimer of Warranties

The Website and services are provided on an “as-is” and “as-available” basis.

We do not warrant:

That the Website will be error-free, secure, or uninterrupted
That the information provided is 100% accurate, up to date, or suitable for your individual needs
That using the Website will meet any specific legal or banking outcome

Use of the Website is at your own risk.

8. Limitation of Liability

Borrowers Consultancy, its consultants, experts, or affiliates shall not be liable for any direct, indirect, incidental, special, or consequential loss or damage resulting from:

Reliance on the content or consultation
Delay or failure in website performance
Technical issues or unauthorized access
Any action taken based on the Website content

9. Indemnification

You agree to indemnify and hold Borrowers Consultancy and its affiliates harmless from any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of:

Your use or misuse of the Website
Your violation of these Terms
Your violation of any third-party rights

10. Modification of Terms

We reserve the right to revise, update, or change these Terms at any time without prior notice. Updated terms will be posted on this page with the effective date.

Your continued use of the Website after changes constitutes your acceptance of the revised Terms.

11. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Any dispute arising out of these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts located in Kolkata, West Bengal.

12. Contact Us

For any queries, concerns, or feedback regarding these Terms & Conditions, please contact:

📧 Email: support@borrowersconsultancy.com
📞 Phone: +91 9831614802
🌐 Website: www.borrowersconsultancy.com