Terms of Service (Terms & Conditions)
1. Introduction
These Terms of Service (“Terms”) govern your access to and use of the website, services, and communications provided by SJF Consultants Pvt. Ltd. (“SJF Consultants”, “we”, “our”, “us”).
By visiting our website, submitting enquiries, applying for financial products, or using any of our services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.
2. Company Information
Legal Name: SJF Consultants Private Limited
Constitution: Private Limited Company (Government of India)
GSTIN: 09ABNCS0694P1ZC
Registered Address:
Shop No. 05, First Floor, Sharma Market, Near Shiv Mandir,
Village Bhangel, Gejha Road, Noida, Gautam Buddha Nagar,
Uttar Pradesh, India – 201304
Phone: +91 7835052929
Email: info@sjfconsultants.com
3. Scope of Services
SJF Consultants provides financial facilitation and advisory services, including but not limited to:
- Credit Cards
- Personal Loans
- Business Loans
- Home Loans
- Auto Loans
- Loan Against Property
- Insurance Products
- Investment Products
- Financial guidance and consultation
We act as a facilitator / intermediary between customers and banks, NBFCs, insurance companies, and other financial institutions.
4. No Guarantee of Approval
Submission of an application or enquiry through SJF Consultants does not guarantee approval of any loan, credit card, insurance, or investment product.
Final approval, rejection, interest rates, limits, tenure, premiums, and terms are solely decided by the respective bank, NBFC, insurer, or financial institution based on their internal policies, eligibility criteria, and regulatory requirements.
SJF Consultants shall not be held responsible for rejection, delay, or modification of any application.
5. User Responsibilities
By using our services, you agree that:
- All information provided by you is true, accurate, and complete
- You will not submit false, misleading, or fraudulent information
- You will provide required documents promptly when requested
- You will use our website and services only for lawful purposes
- You will not misuse, hack, scrape, or attempt unauthorized access to our systems
Any misuse may result in suspension or termination of services.
6. Financial Advice Disclaimer
Any information, guidance, or assistance provided by SJF Consultants is of a general nature and should not be considered as professional financial, legal, or investment advice.
Users are advised to independently verify product details and consult qualified professionals before making financial decisions.
7. Fees & Charges
- Some services may involve processing fees, service charges, or commissions, either payable by the customer or paid to us by partner institutions.
- Any applicable fees will be communicated to you in advance.
- Fees paid to SJF Consultants are non-refundable unless expressly stated otherwise in writing.
8. Third-Party Services
Our services involve coordination with third-party institutions such as banks, NBFCs, insurance companies, credit bureaus, and technology providers.
We do not control and are not responsible for:
- Their internal decisions
- Their service quality
- Their data practices
- Their website availability or content
9. Intellectual Property Rights
All content on the website, including text, logos, designs, graphics, and trademarks, are the property of SJF Consultants Pvt. Ltd. and are protected by applicable intellectual property laws.
Unauthorized copying, reproduction, or distribution is strictly prohibited.
10. Advertising & Marketing
By submitting your contact details, you consent to receive:
- Calls, SMS, WhatsApp messages
- Emails and promotional communications
- Marketing and remarketing advertisements via Google Ads and Facebook (Meta) Ads
You may opt out of marketing communications at any time.
11. Limitation of Liability
To the maximum extent permitted by law, SJF Consultants shall not be liable for:
- Any direct or indirect financial loss
- Loss of opportunity, profit, or reputation
- Errors or omissions by third-party institutions
- Delays or failures beyond our control
Our liability, if any, shall be limited to the amount of fees paid by the user to SJF Consultants for the specific service.
12. Indemnification
You agree to indemnify and hold harmless SJF Consultants, its directors, employees, and partners from any claims, losses, damages, liabilities, or expenses arising from:
- Your misuse of services
- False information provided by you
- Violation of these Terms or applicable laws
13. Termination of Services
We reserve the right to suspend or terminate services without notice if:
- You breach these Terms
- Fraud or misrepresentation is suspected
- Required by law or regulatory authorities
14. Privacy & Data Protection
Your personal data is collected and processed in accordance with our Privacy Policy, which forms an integral part of these Terms.
15. Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India.
Any disputes shall be subject to the exclusive jurisdiction of courts located in Gautam Buddha Nagar (Noida), Uttar Pradesh.
16. Changes to Terms
We may revise these Terms from time to time. Updated Terms will be posted on our website with a revised effective date. Continued use of services constitutes acceptance of the revised Terms.
17. Contact Information
For any questions regarding these Terms, please contact:
SJF Consultants Pvt. Ltd.
📍 Shop No. 05, First Floor, Sharma Market, Near Shiv Mandir, Village Bhangel, Gejha Road, Noida, Uttar Pradesh – 201304, India
📞 Phone: +91 7835052929
📧 Email: info@sjfconsultants.com
Disclaimer: These Terms of Service are drafted for general business and legal protection purposes. Professional legal review is recommended for full compliance.
