1) Acceptance of Terms

Your access or use of the Services constitutes your acceptance of these Terms from that point forward. You should review, understand, and retain a copy of these Terms and the Privacy Policy for future reference.

2) Description of Services

Sanaya Grow Solutions provides loan advisory and facilitation services across India through partnerships with banks and non-banking financial companies (NBFCs). Based on information you provide, we help assess eligibility, compare options, and coordinate your application, documentation, and disbursal with lending partners.

3) Eligibility & User Obligations

• You must be of legal age and capable of entering into binding contracts.
• You agree to provide accurate, complete, and current information and to keep it updated.
• You are responsible for safeguarding login credentials and all activity under your account.
• You will use the Website and Services solely to explore/apply for loan products and not for any fraudulent, unlawful, or prohibited purpose.

4) Proprietary Rights

All rights, title, and interest in and to the Website, its content, design, trademarks, logos, software, and other intellectual property are owned by or licensed to Sanaya Grow Solutions. You will not copy, modify, distribute, reverse engineer, or create derivative works except as expressly permitted in writing.

5) Usage of the Website

• The Website is intended for personal, non-commercial use in connection with loan exploration and applications.
• You may not attempt to gain unauthorised access to any portion of the Website, servers, or systems, or introduce malware, scraping, or automated access beyond normal browser usage.
• We may suspend, restrict, or terminate access at our discretion for suspected violations or security concerns.

6) Our Role & Third-Party Partners

We are not a bank or NBFC. Loan decisions, pricing, documentation requirements, and timelines are determined by third-party lenders as per their internal policies and applicable law. Display or facilitation of third-party products does not imply endorsement or guarantee of approval. Your interaction with any third party is at your own risk. We are not responsible for the acts, omissions, errors, or representations of any third party.

7) Disclaimer of Warranty

The Website and Services are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, security, availability, or reliability. We do not warrant that results obtained from the Services will be accurate, timely, or meet your expectations.

8) Limitation of Liability

To the fullest extent permitted by law, Sanaya Grow Solutions (and its officers, directors, employees, affiliates, and service providers) shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, goodwill, or business interruption, arising out of or related to your use of or inability to use the Website or Services, even if advised of the possibility of such damages.

9) Indemnification

You agree to indemnify, defend, and hold harmless Sanaya Grow Solutions and its affiliates, officers, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your breach of these Terms, misuse of the Website/Services, or violation of any law or third-party right.

10) Modifications to Terms

We may update these Terms from time to time. Changes will be effective upon posting on this page with a revised “Last updated” date. Your continued use of the Website or Services after such changes constitutes acceptance of the updated Terms.

11) Assignment

You may not assign or transfer your rights or obligations under these Terms without prior written consent. We may assign our rights and obligations without notice in connection with any merger, acquisition, restructuring, or sale of assets.

12) Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will remain in full force and effect to the maximum extent permitted by law.

13) Governing Law & Jurisdiction

These Terms are governed by the laws of India, without regard to conflict-of-laws principles. You agree that the courts located in Mumbai, Maharashtra, India shall have exclusive jurisdiction over any dispute arising from or relating to these Terms or your use of the Services.

14) Entire Agreement

These Terms, together with the Privacy Policy and any additional terms referenced herein or presented at the time of using specific features, constitute the entire agreement between you and Sanaya Grow Solutions regarding the Services and supersede all prior understandings.

15) Feedback & Testimonials

We welcome your feedback. By submitting feedback or testimonials, you grant Sanaya Grow Solutions a non-exclusive, worldwide, royalty-free, perpetual licence to use, reproduce, and display such content (including your name, designation, and company name, if provided) for business promotion in any media. Please do not submit confidential or proprietary information in feedback.