BHAGWATI FINANCIAL SERVICES

— TERMS & CONDITIONS —

1. Introduction

Welcome to BHAGWATI FINANCIAL SERVICES (“Company”, “we”, “our”, or “us”), located at B203, 2nd Floor, Sachdev Complex, Opposite Post Office, Jangal Mangal Road, Bhandup West, Mumbai Suburban – 400078, India.

These Terms & Conditions (“Terms”) govern your access to and use of our services, including financial consultancy, advisory services, and communication via digital platforms such as WhatsApp Business API and Rich Communication Services (RCS).

By accessing or using our services, you agree to comply with and be legally bound by these Terms.

2. Definitions

  • “Services” means financial consultancy, advisory, communication, and related offerings.
  • “User” / “You” refers to any individual or entity accessing our services.
  • “Platform” refers to our website, communication systems, WhatsApp, and RCS channels.
  • “Content” means all information, data, text, and materials shared via our services.

3. Acceptance of Terms

By using the services of BHAGWATI FINANCIAL SERVICES, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, you must discontinue use immediately.

4. Description of Services

We provide financial-related services including but not limited to:

  • Loan consultancy
  • Investment guidance
  • Financial planning
  • Customer support via WhatsApp and RCS

We reserve the right to modify, suspend, or discontinue any service at any time without prior notice.

5. Eligibility

You must be at least 18 years of age and legally competent under Indian law to use our services. By using our services, you confirm that you meet these requirements.

6. Account Registration

Certain services may require registration. You agree to:

  • Provide accurate and complete information
  • Maintain confidentiality of your account
  • Notify us of unauthorized access

We reserve the right to suspend or terminate accounts with false or misleading information.

7. User Responsibilities

You agree not to:

  • Use services for unlawful purposes
  • Share misleading or fraudulent information
  • Violate any applicable Indian laws or regulations
  • Misuse communication platforms like WhatsApp or RCS

8. Payment & Billing Terms

  • Fees for services will be communicated clearly
  • Payments must be made on time
  • Delayed payments may result in service suspension

All payments are non-refundable unless explicitly stated.

9. Subscription Renewal & Termination

  • Subscriptions (if applicable) may auto-renew
  • Users may cancel services by contacting us
  • We reserve the right to terminate services for violations

10. Use of WhatsApp Official API & RCS

By interacting with BHAGWATI FINANCIAL SERVICES via WhatsApp or RCS, you:

  • Consent to receive transactional and service-related messages
  • Acknowledge compliance with Meta and telecom guidelines
  • Agree not to misuse communication channels

11. Message Delivery & Compliance Policy

We strive to ensure timely message delivery but do not guarantee:

  • Instant delivery
  • Delivery success due to network/operator limitations

Users must comply with all communication laws including TRAI regulations.

12. Intellectual Property Rights

All content, branding, logos, and materials belong to BHAGWATI FINANCIAL SERVICES and are protected under Indian intellectual property laws. Unauthorized use is strictly prohibited.

13. Confidentiality

We maintain strict confidentiality of user data and financial information, subject to legal obligations and regulatory requirements.

14. Disclaimer of Warranties

Services are provided “as is” without warranties of any kind. We do not guarantee:

  • Accuracy of financial outcomes
  • Continuous availability of services

15. Limitation of Liability

BHAGWATI FINANCIAL SERVICES shall not be liable for:

  • Indirect or consequential damages
  • Financial losses arising from decisions based on our advice

16. Indemnification

You agree to indemnify and hold harmless BHAGWATI FINANCIAL SERVICES from any claims, damages, or liabilities arising from your misuse of services.

17. Governing Law (India)

These Terms are governed by the laws of India. Any disputes shall fall under the jurisdiction of courts in Mumbai, Maharashtra.

18. Changes to Terms

We may update these Terms at any time. Continued use of services constitutes acceptance of updated Terms.

19. Contact Information

BHAGWATI FINANCIAL SERVICES
Address: B203, Sachdev Complex, Bhandup West, Mumbai – 400078
Phone: 9833388864
Email: sawantrmahesh@gmail.com

Get Started

Ready to secure your financial future? Reach out to us today.

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