Terms & Conditions

1 Accepting these terms

By browsing this website, submitting a form, chatting with our bot, or engaging our team by phone, WhatsApp, or in person, you're agreeing to these terms. If any part of this doesn't sit right with you, please don't proceed with our services — and feel free to call us with questions before you do.

You confirm you're at least 18 years old and legally able to enter into a financial arrangement — we don't offer services to minors.

2 What we are (and aren't)

Prarvi Consultancy is a loan consultancy and facilitation service. We study your requirement, compare it against 30+ banks and NBFCs on our panel, shortlist realistic options, and manage the paperwork and coordination end-to-end.

We are not a bank, NBFC, or lender. We don't sanction loans, disburse funds, or set interest rates — those decisions belong entirely to the financial institution you're eventually matched with.

3 Using our services

• You can reach us through our website forms, chatbot, phone, WhatsApp, or by visiting our Vadodara or Ahmedabad office.
• Once you share your requirement, we assess it and, where a good fit exists, forward your case to the relevant lender(s) with your consent.
• From there, that lender's own application, verification, and approval process takes over — we support you through it, but we don't control its outcome or timeline.

4 Our zero-advance-fee promise

5 Fees, in full

Our initial consultation, loan comparison, and application support are free of charge to you. Where a service does involve a fee — for instance, a specific paid add-on we may introduce in future — we will always tell you the amount upfront, in writing, before you're charged anything. Any charges levied by the bank/NBFC itself (like their own processing fee, stamp duty, or legal charges) are set and collected by them, not by us, and are disclosed by the lender directly.

6 Your responsibilities

• Give us accurate, current information — an application built on incorrect details wastes everyone's time and can hurt your case with the lender.
• Provide genuine documents. We reserve the right to stop assisting with an application if we find submitted documents to be fraudulent.
• Don't use our website, chatbot, or forms to submit spam, malicious content, or attempt to interfere with how the site runs.

7 How we'll contact you

When you submit a form or start a chat with us, you're agreeing that we can contact you by phone call, SMS, WhatsApp, or email regarding that enquiry — including if your number is registered under NDNC/DND, since this is a response to a request you initiated (transactional communication), not unsolicited marketing. If you'd rather we stuck to one channel, just tell us and we'll note your preference.

8 Chatbot & AI-assisted tools

Our website chatbot and any AI-assisted features are there to make getting in touch faster and easier — they collect your enquiry details and give general, informational responses about our services. They are not a substitute for advice from a qualified advisor, and nothing generated by our chatbot constitutes a loan offer, approval, or financial advice. An actual human on our team reviews every lead before any application work begins.

9 Lender decisions & their own terms

We do not guarantee that any bank or NBFC will approve your application, nor do we guarantee any specific interest rate, loan amount, or processing time — these are decided solely by the lender based on their own credit policy. Once your application reaches a lender, you'll also be bound by that lender's own terms, conditions, and privacy policy, separate from ours.

10 Ownership of site content

The design, text, graphics, logo, and other content on this website belong to Prarvi Consultancy unless otherwise credited, and may not be copied or reused commercially without our written permission. You're welcome to share links to our pages.

11 Limitation of liability

We work carefully to give you accurate comparisons and honest guidance, but we can't be held responsible for a lender's decision, delay, or change in terms once your case is with them, or for losses arising from information you provided that turned out to be inaccurate. To the extent permitted by Indian law, our liability in connection with our services is limited to the fees you've actually paid us for that specific service, if any.

12 Suspending or ending access

We may pause or stop assisting with your enquiry if we find submitted information to be false, if you ask us to stop, or if continuing would put us or a lending partner at risk (for example, suspected fraud). You're free to stop engaging with our services at any point, for any reason.

13 Governing law & disputes

These terms are governed by the laws of India. If a disagreement comes up, we'd genuinely rather sort it out by talking — please contact us first. If it can't be resolved that way, courts in Vadodara, Gujarat will have jurisdiction.

14 Changes to these terms

We may update these terms as our services evolve or regulations change. The "Last updated" date at the top will always reflect the latest version, and material changes will be flagged prominently rather than left for you to notice on your own. Continuing to use our services after an update means you accept the revised terms.

15 Grievance redressal & contact

If something about your experience with us — an application, a communication, or anything covered in these terms — hasn't gone the way it should, tell us directly first: