Terms of Service

These Terms of Service ("Terms") govern your use of this website and any enquiry, application, or engagement for short-term business loans or private funding ("Services") provided by Venkateshwara Associates ("we", "us"), a Udyam-registered proprietary firm (Reg. No. UDYAM-TN-02-0334094) based in Chennai, Tamil Nadu, India.

1. Nature of Services

Venkateshwara Associates provides short-term, unsecured business loans and structured private funding directly to eligible businesses, based on our own internal credit assessment. Submitting an enquiry or application does not create any obligation on us to sanction a loan, and does not create any obligation on you until a written sanction letter and loan agreement are signed by both parties.

2. No Guaranteed Approval

All funding is subject to our internal due diligence, documentation review, and credit assessment. We do not guarantee approval of any application, and any indicative figures discussed before formal sanction are subject to change based on our assessment.

3. Fair Practice & No Advance-Fee Commitment

• All applicable interest rates, processing fees, and charges will be disclosed to you in writing before you sign any loan agreement.
• We do not require any advance or upfront payment as a condition to approve, sanction, or disburse a loan. Any legitimate processing fee is handled as part of the documented disbursal process, never collected separately in advance to "unlock" funds.
• We do not use coercive, unfair, or misleading practices to recover dues, and will communicate any repayment difficulty concerns through fair, documented channels.
• If you are contacted by anyone claiming to represent us and asking for an advance payment, app download, or personal banking credentials outside our official documented process, please do not respond and report it to us immediately using the contact details below.

4. Applicant Responsibilities

You agree to provide accurate and complete information and genuine documentation during the application process. Misrepresentation of business or financial information may result in rejection of your application or termination of an existing agreement.

5. Repayment

Repayment amounts, schedule, and consequences of delay/default will be set out clearly in your loan agreement. We encourage you to contact us as early as possible if you anticipate difficulty meeting a repayment.

6. Limitation of Liability

To the extent permitted by law, our liability in connection with the Services is limited to the terms set out in your specific loan agreement. We are not liable for losses arising from decisions you make based on indicative, non-final figures discussed prior to formal written sanction.

7. Grievance Redressal

If you have a concern or complaint about your application or an existing loan, please contact us first at venkateshwaraassociates.office@gmail.com or +91 98845 72881. We aim to acknowledge grievances promptly and resolve them within a reasonable time.

8. Intellectual Property

All content on this website is owned by Venkateshwara Associates unless otherwise noted, and may not be reproduced without permission.

9. Governing Law

These Terms, and any loan agreement entered into with us, are governed by the laws of India, with courts in Chennai, Tamil Nadu having jurisdiction.

10. Contact

Questions about these Terms can be sent to venkateshwaraassociates.office@gmail.com or +91 98845 72881.