Terms of using this website

1. About these terms

By using this website you agree to these terms. If you do not agree, please do not use the website. “We” and “us” mean Saini Finance Co., near BDO Office, Phoolpiara Road, Thandikhui, Sujanpur, Dist. Pathankot, Punjab 145023.

2. Information only — not an offer

Everything on this website is general information about the loans we offer. It is not an offer of credit, a loan approval, or financial advice. Rates, charges, amounts and tenure are confirmed individually, in writing, before you sign.

3. Enquiries and applications

• Our eligibility form prepares a WhatsApp message on your device. Sending it is an enquiry, not a loan application or agreement.
• Sending an enquiry does not guarantee approval or disbursal. Every application is assessed individually, and we may decline any application.
• Please give accurate, truthful information. Please do not send identity documents through the website — we will tell you what is needed and how to share it.

4. Your loan agreement comes first

If anything on this website differs from your signed loan agreement, the agreement applies. Read it fully before signing and ask us about anything that is not clear.

5. Accuracy

We keep this website accurate and up to date, but information such as timelines is indicative (“typically”) and may change. If something looks wrong, please tell us.

6. Other websites

Links to WhatsApp, Google Maps and Google reviews take you to services we do not control; their own terms and privacy policies apply.

7. Acceptable use

Do not misuse the website — for example, by sending false enquiries, attempting to disrupt it, or impersonating Saini Finance Co. or anyone else.

8. Content and brand

The Saini Finance Co. name, logo and the content of this website belong to us. Please do not copy or reuse them in a way that could mislead people about who they are dealing with.

9. Liability

To the extent the law allows, we are not responsible for losses arising from reliance on general website information in place of the terms confirmed with you in writing. Nothing in these terms limits any right you have under applicable law.

10. Governing law

These terms are governed by the laws of India.

11. Changes and contact

We may update these terms; the date above shows the latest version. Questions: contact@sainifinance.com or +91 62398 08350.