Terms & Conditions

These Terms & Conditions (“Terms”) govern your access to and use of services provided by Arthapradan Advisors LLP (“Firm,” “we,” “us,” or “our”).

By accessing our website, engaging our services, submitting documentation, or entering into any engagement (written, verbal, digital, or implied), you agree to be legally bound by these Terms.

If you do not agree, you must discontinue use of our services immediately.


Nature Of Business

Arthapradan Advisors LLP is a financial advisory and business solutions firm providing professional consulting, facilitation, and structuring services in the following areas:

Funding & Credit Facilitation Services

We assist in structuring, documentation, and facilitation for:

  • Home Loans
  • Loan Against Property / Assets
  • Personal Loans
  • Education Loans
  • Vehicle Loans
  • Gold Loans
  • Working Capital Loans
  • Supply Chain Financing
  • Collateral-Free Business Loans
  • Machinery Loans
  • Non-Fund Based Facilities (Letter of Credit, Bank Guarantee, etc.)

Important Clarification:

We are not a bank, NBFC, or financial institution unless separately registered and disclosed. We act as an advisor and facilitator between clients and lending institutions.

All lending decisions are solely at the discretion of the respective financial institution.

Wealth Management & Advisory Services

We provide advisory and structuring support in:

  • Investment Planning
  • Wealth Protection
  • Retirement & Long-Term Planning
  • Portfolio Review & Rebalancing

Market Risk Disclaimer:

All investments are subject to market risk. We do not guarantee capital protection, fixed returns, or performance outcomes unless explicitly documented under a regulated product.

Accounting & Advisory Services

Services include:

  • Accounting & Bookkeeping
  • Accounts Outsourcing
  • Taxation & Compliance
  • Virtual CFO Services

We provide professional assistance; however, statutory responsibility remains with the client.

Engagement Structure

Engagement may occur through:

  • Formal signed agreements
  • Email confirmation
  • Proposal acceptance
  • Fee payment
  • Verbal confirmation followed by execution

Each engagement may have a separate scope document. In case of conflict, the specific engagement agreement shall prevail over these general Terms.


NO GUARANTEE POLICY

Arthapradan Advisors LLP does NOT guarantee:

  • Loan approval
  • Interest rate approval
  • Sanction timelines
  • Disbursement timelines
  • Investment returns
  • Tax savings outcomes
  • Regulatory approvals

All such outcomes depend on:

  • Lender policies
  • Market conditions
  • Regulatory changes
  • Client eligibility
  • Accuracy of client documentation

CLIENT REPRESENTATIONS & WARRANTIES

The Client represents and warrants that:

  • All information provided is true, complete, and accurate.
  • Documents submitted are genuine and legally valid.
  • No material information has been concealed.
  • Funds sought are for lawful purposes.
  • The client is not involved in illegal, fraudulent, money laundering, or prohibited activities.

Any misrepresentation gives us the right to immediately terminate services without refund and report to the appropriate authorities if required.


FEES, CHARGES & PAYMENT TERMS

Fees may include:

  • Advisory fees
  • Arrangement fees
  • Success-based fees
  • Retainer fees
  • Professional service fees
  • Documentation fees
  • Consultation charges
Fee Structure
  • Fees may be fixed, hourly, milestone-based, or success-linked.
  • Written confirmation will define the applicable model.
Non-Refundability

Unless otherwise stated in writing:

  • Fees once paid are non-refundable.
  • Processing or advisory fees remain payable even if a loan is rejected.
Third-Party Charges

The client is responsible for:

  • Bank processing fees
  • Legal verification fees
  • Valuation charges
  • Government stamp duties
  • ROC filing fees
  • Statutory penalties

CONFLICT OF INTEREST DISCLOSURE

We may receive referral commissions, professional fees, or incentives from financial institutions or product providers.

Such arrangements do not compromise our advisory intent but may exist as part of standard industry practice.


CONFIDENTIALITY

We maintain strict confidentiality of client information, subject to:

  • Regulatory disclosures
  • Court orders
  • Law enforcement requirements
  • Credit bureau reporting
  • Financial institution due diligence

Data may be shared with:

  • Banks / NBFCs
  • Chartered Accountants
  • Legal professionals
  • Valuers
  • Regulatory bodies

Strictly for service execution.


DATA PROTECTION

By engaging us, you consent to:

  • Collection of financial and personal data
  • Storage in digital or physical format
  • Sharing with lenders and service providers
  • KYC and AML compliance checks

We are not liable for breaches arising from third-party systems beyond our control.


LIMITATION OF LIABILITY

To the maximum extent permitted by law:

  • We shall not be liable for indirect, incidental, special, or consequential damages.
  • We are not responsible for business losses, opportunity losses, loss of profits, or reputational damage.
  • Our total liability shall not exceed the fees paid for the specific service giving rise to the claim.

INDEMNITY

The Client agrees to indemnify and hold harmless Arthapradan Advisors LLP from:

  • Misrepresentation by the client
  • Fraudulent documentation
  • Non-compliance penalties
  • Tax liabilities arising from incorrect data
  • Regulatory violations
  • Legal claims arising from client's business operations

REGULATORY RESPONSIBILITY

Clients are solely responsible for compliance with:

  • Income Tax Act
  • GST laws
  • Companies Act
  • RBI Guidelines
  • SEBI Regulations
  • FEMA regulations
  • Any other applicable law

We provide advisory support but are not responsible for enforcement failures due to client non-cooperation.


TERMINATION

We may terminate services if:

  • Fees remain unpaid
  • Client provides false information
  • Client engages in illegal activity
  • There is non-cooperation
  • There is reputational risk

Clients may terminate as per engagement terms, but professional fees for work completed remain payable.


FORCE MAJEURE

We shall not be liable for delays caused by:

  • Regulatory changes
  • Government restrictions
  • Natural disasters
  • Bank strikes
  • System failures
  • Pandemic-related disruptions

INTELLECTUAL PROPERTY

All methodologies, templates, reports, and materials remain the intellectual property of Arthapradan Advisors LLP unless expressly transferred.


NON-SOLICITATION

Clients agree not to directly hire or engage our employees or associates during the engagement and for 12 months thereafter without written consent.


DISPUTE RESOLUTION

Any dispute shall:

  • First be resolved amicably.
  • Failing which, referred to arbitration under the Arbitration and Conciliation Act, 1996.
  • Arbitration seat: [Insert City, e.g., Mumbai].

Courts in [Insert Jurisdiction] shall have exclusive jurisdiction.


SEVERABILITY

If any provision is found invalid, the remaining provisions shall remain enforceable.


MODIFICATION OF TERMS

We reserve the right to update these Terms at any time. Continued use of services implies acceptance of revised Terms.


ENTIRE AGREEMENT

These Terms constitute the entire understanding unless superseded by a separate signed engagement agreement.


CONTACT INFORMATION

Address: 37A, Ground Floor, Panchratna, Mama Parmanand Marg, Opera House, Mumbai - 400004.

Email: info@arthapradan.com

Phone Number: +91 93242 95378

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