Welcome to Sanchayan Financial Services (“Company,” “we,” “our,” or “us”). These Terms of Use (“Terms”) govern your access to and use of our website, mobile applications, financial products, and related services (collectively, the “Services”). By using our Services, you agree to these Terms. If you do not agree, you should stop using the Services immediately.

1. Eligibility
You must be at least 18 years of age (or the legal age of majority in your jurisdiction) to use our Services.
By using the Services, you confirm that you are legally capable of entering into binding agreements.

2. Nature of Services
Sanchayan Financial Services provides financial solutions including but not limited to [loans, investment facilitation, advisory, and payment-related services — update as per actual offerings].
The information provided on our platforms is for general purposes only and should not be considered as personalized financial, investment, or tax advice.

3. Account Registration
Some Services may require you to create an account. You agree to provide accurate and complete information during registration.
You are responsible for safeguarding your login details and for all activities carried out through your account.

4. Acceptable Use
You agree not to:
Use the Services for illegal, fraudulent, or unauthorized purposes.
Attempt to gain unauthorized access to our systems or customer data.
Upload or distribute harmful, misleading, or defamatory content.

5. Fees and Charges
Certain Services may involve fees, commissions, or charges. These will be disclosed prior to the transaction.
By using such Services, you authorize us (and any authorized payment processors) to charge the applicable amounts.

6. Intellectual Property
All trademarks, content, logos, and materials made available through our Services are owned by Sanchayan Financial Services or its licensors.
You may not copy, reproduce, or exploit our intellectual property without prior written consent.

7. Third-Party Services
Our Services may integrate or link to third-party platforms (such as payment gateways, credit bureaus, or financial partners).
We are not responsible for their content, practices, or policies.

8. Disclaimers
Our Services are provided on an “as is” and “as available” basis.
We do not guarantee accuracy, completeness, or suitability of any financial information provided.
Past performance of financial products does not guarantee future outcomes.

9. Limitation of Liability
To the fullest extent permitted by law, Sanchayan Financial Services shall not be liable for any indirect, incidental, or consequential damages resulting from your use of our Services.

10. Indemnification
You agree to indemnify and hold harmless Sanchayan Financial Services, its officers, employees, and partners from any claims, damages, or expenses arising out of your use of the Services or violation of these Terms.

11. Privacy
Your use of our Services is also subject to our Privacy Policy, available at Privacy policy.

12. Suspension & Termination
We may suspend, restrict, or terminate your access to the Services at any time without prior notice, if we believe you have violated these Terms.
On termination, your right to access the Services will immediately cease.

13. Governing Law & Dispute Resolution
The jurisdiction for this service falls under the *Chandannagar Sub-Division, **Hooghly District, **West Bengal, **India*.

14. Changes to Terms
We may update these Terms from time to time. Updated Terms will be posted with a revised “Last Updated” date. Continued use of the Services indicates acceptance of the revised Terms.