Terms & Conditions

1. Introduction & Acceptance

Welcome to Akaal Advisory ("we", "us", "our", or "Company"). These Terms & Conditions ("Terms") govern your access to and use of our website, mobile applications, and services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must discontinue use of our services immediately.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of our services following the posting of revised Terms means that you accept and agree to the changes.

2. Eligibility & User Registration

Age and Legal Capacity

You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you are of legal age and have the legal capacity to enter into binding agreements.

User Account

To access certain features, you may need to create an account. You agree to provide accurate, complete, and current information during registration. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

Account Restrictions

• You may not use false or misleading information
• You cannot access or use another person's account
• You agree not to create multiple accounts without authorization
• We reserve the right to suspend or terminate accounts with false information

3. Loan Services & Lending Terms

Nature of Our Services

Akaal Advisory provides loan advisory services, guidance on loan options, and assistance with loan applications. We connect borrowers with lending institutions and financial partners. We are not a direct lender and do not provide financing ourselves.

Loan Information & Estimates

All loan information, interest rates, terms, and estimated monthly payments provided on our platform are for informational purposes only. Actual loan terms will vary based on:

• Your credit score and credit history
• Income and employment verification
• Assets and liabilities
• Lender's specific requirements and policies
• Current market conditions and interest rates

Accuracy of Information

You agree to provide accurate and complete information in your loan applications. False or misleading information may result in application rejection or loan cancellation. You are responsible for the accuracy of all information you provide.

4. Intellectual Property Rights

All content on our website, including text, graphics, images, logos, and videos, is the intellectual property of Akaal Advisory or licensed from third parties. You may view and print this content for personal, non-commercial use only.

Prohibited Uses

• You cannot copy, modify, or distribute our content without permission
• You cannot reverse engineer or decompile our software or applications
• You cannot remove copyright notices or proprietary markings
• You cannot sell or use our content for commercial purposes
• You cannot frame or inline our website

5. User Responsibilities & Conduct

Permitted Use

You agree to use our services only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict their use and enjoyment of our services.

Prohibited Conduct

You agree NOT to:

• Engage in any illegal activities or violate any applicable laws
• Harass, threaten, or intimidate other users or staff
• Transmit viruses, malware, or any harmful code
• Attempt to gain unauthorized access to our systems
• Spam or flood our services with unsolicited messages
• Engage in phishing, fraud, or scams
• Use our services for money laundering or terrorist financing
• Violate any intellectual property or privacy rights

6. Privacy & Data Protection

Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy to understand our privacy practices and how we handle your personal information.

Data Security

We implement industry-standard security measures to protect your personal and financial information. However, no security system is completely impenetrable. We cannot guarantee absolute security of your information.

Your Responsibilities

• Keep your login credentials confidential
• Do not share your passwords with anyone
• Log out of your account when using shared devices
• Report suspicious activity immediately

7. Limitation of Liability

Limitation of Damages

To the maximum extent permitted by law, Akaal Advisory shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business, arising out of or in connection with your use of our services, even if we have been advised of the possibility of such damages.

Maximum Liability

Our total liability to you shall not exceed the amount you paid to us in the 12 months preceding the claim, or $100, whichever is greater.

8. Indemnification

You agree to indemnify, defend, and hold harmless Akaal Advisory, its officers, directors, employees, and agents from any claims, damages, or legal expenses arising out of:

• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your infringement of any third-party rights
• Your misuse of our services
• Any content you provide or post on our platform

9. Third-Party Links & Content

Our website may contain links to third-party websites and services that are not operated by Akaal Advisory. We are not responsible for the content, accuracy, or practices of these external websites. Accessing third-party links is at your own risk.

No Endorsement

Inclusion of links does not constitute endorsement or recommendation of the linked services. We recommend reviewing the terms and privacy policies of any third-party services before providing your information.

10. Termination of Services

Termination by User

You may terminate your account at any time by contacting our support team with written notice.

Termination by Akaal Advisory

We reserve the right to suspend or terminate your account and access to our services immediately, with or without notice, if:

• You violate these Terms or any applicable law
• We detect fraudulent or suspicious activity
• You fail to pay any fees owed to us
• We discontinue the services or certain features

11. Dispute Resolution & Arbitration

Governing Law

These Terms are governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

Resolution Process

In the event of any dispute, you agree to first attempt to resolve the matter through informal negotiation with our support team. If the dispute cannot be resolved informally, it shall be subject to arbitration or litigation in the courts of Mumbai, India.

Severability Clause

If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions shall continue in full effect.

12. Modifications to Services

We reserve the right to modify, suspend, or discontinue our services (or any part thereof) at any time with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of our services.

13. Contact Us

If you have any questions about these Terms & Conditions, please contact us: